Compare Credit Cards

Your credit card answer awaits, whatever card you’re after you should start here

The credit card you’re using today may have seemed great when you first got it, but there are new credit cards entering the market all the time. These cards may have better interest rates or rewards program benefits, lower foreign transaction fees, no annual fees, or benefits such as complimentary travel insurance or complimentary domestic flights, so when it comes to credit cards, it pays to shop around.

St.George Vertigo Platinum

0% Balance Transfer Credit Card

The St.George Vertigo Platinum credit card offers a long term balance transfer offer for new applicants and a low ongoing interest rate on purchases.

  • $99 p.a. annual fee
  • 0% p.a. for 3 months (reverts to 12.74% p.a.) on purchases
  • 0% p.a. for 20 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free

Let’s simplify credit card comparison:

- Start comparing 320+ credit cards today -

  1. Select a tab heading that suits your interest
  2. Then click any table heading to sort the results by the features that are most important to you – easy, NOW you’re comparing!
    • If you want to read our review of the card, click “More info
    • If you would like to learn more about applying, click “Go to site

Below is a list of credit cards, it’s also a good place to start if you’re not entirely sure what kind of credit card you’re after.

Comparing tips: How can this table help me?

  1. If you are looking for a low budget card you might want to start off with selecting the Annual fee heading – this will sort the results according to the cards with low (to $0) annual fees.
  2. If you would like to reduce your debt through a Balance transfer - select this heading and the table will sort the cards that offer low (short and longer) balance transfer offers.
  3. If you’re after low or interest free purchases the Interest rate heading will sort the cards with low (to $0) interest rate / purchase rate cards.
  4. You might need to withdraw cash from your card, occasionally or frequently, in this case the Cash advance heading will sort your cards starting from the lowest rate possible.

Comparing Credit Cards

Rates last updated August 1st, 2015.

NAB Low Rate Credit Card

0% for 12 months purchase rate offer extended to 11 October 2015

April 19th, 2015

HSBC Platinum Credit Card

$0 Annual fee for life + 0% for 8 months on balance transfers offer extended until 31 July 2015

April 30th, 2015

Westpac Low Rate Card

Balance transfer offer now 0% for 18 months + 0% for 3 months on purchases

June 2nd, 2015

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee.
0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
NAB Low Rate Credit Card
A credit card which offers a low interest rate on purchases.
0% p.a. for 12 months (reverts to 13.99% p.a.) 4.99% p.a. for 6 months $59 p.a. 21.74% p.a. Go to site More info
Westpac Low Rate Card
A low interest credit card with a low annual fee with purchase and balance transfer offer.
0% p.a. for 3 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. 21.49% p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you spend $300 within the first 3 months and up to 2.00 points for every dollar you spend, together with a $0 annual fee. Offer ends on 30 September 2015.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
A platinum credit card with no annual fee for the first year and great balance transfer offer.
19.84% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($90 p.a. thereafter) 21.29% p.a. Go to site More info
ANZ Frequent Flyer Platinum American Express/Visa
Earn 50,000 bonus Qantas Points after you spend $3,000 on eligible purchases plus earn up to 1.50 Qantas Frequent Flyer points per $1 spent on purchases.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) 21.49% p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 3x Velocity Points in the first 3 months. 0% p.a. for 14 months on balance transfers.
20.74% p.a. 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) 20.99% p.a. Go to site More info
HSBC Platinum Credit Card
A HSBC Platinum card offer with a great balance transfer period and no annual fee for the life card.
19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
St.George Vertigo Visa
A low ongoing interest rate on purchases with a balance transfer offer.
0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
9.99% p.a. $0 p.a. 9.99% p.a. Go to site More info
BoQ Blue Visa Card
Receive a balance transfer offer with a low annual fee.
20.74% p.a. 0% p.a. for 9 months $0 p.a. annual fee for the first year ($60 p.a. thereafter) 21.74% p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
An introductory rate on balance transfers with a rewards program offer.
20.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $199 p.a. 21.74% p.a. Go to site More info
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with 1.000 Qantas Point earned per $1 spend. Also you can earn up to 7,500 extra Qantas Points on signup.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
A low interest rate offer on purchases balance transfers as a reduced flight offer up to four times a year.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. 20.99% p.a. Go to site More info
Westpac Low Rate Card - Exclusive Offer
Exclusive Offer to finder.com.au
A low rate balance transfer to consolidate your credit card debt. Exclusive offer to this website.
13.49% p.a. 0% p.a. for 20 months with 2.5% balance transfer fee $59 p.a. 21.49% p.a. Go to site More info

If you’re looking for debt relief with a balance transfer you can use this table to help you decide.

Comparing tips: How can this table help me?

  1. Add your Transfer amount, the debt amount you would like to transfer across - eg: $5,000 (this can be an estimated or rounded figure, but the closer the better)
  2. Fill in the Current interest rate – (you can, refer to a recent credit card statement for this figure, or by contacting your current bank, don’t stress if it’s not exact)
  3. Hit the “Calculate” button - Voila!
    Now you’ve just calculated your estimated Interest saved (refer to this column), money that can potentially be kept in your pocket or better yet – put towards an existing debt if you decide to balance transfer.

Credit cards with balance transfers

Rates last updated August 1st, 2015.

St.George Vertigo Platinum

Balance transfer offer period now 20 months (from 6 months) for 0% p.a.

February 9th, 2015

HSBC Platinum Credit Card

$0 Annual fee for life + 0% for 8 months on balance transfers offer extended until 31 July 2015

April 30th, 2015

Westpac Low Rate Card

Balance transfer offer now 0% for 18 months + 0% for 3 months on purchases

June 2nd, 2015

View latest updates

Jonathan Choi Jonathan
$
% p.a.
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual
fee
Interest
saved
St.George Vertigo Visa
Benefit from a low interest rate on your everyday purchases combined with a long term low interest rate balance transfer offer.
0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
St.George Vertigo Platinum
A low rate purchase card with a long term on balance transfer offer.
0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Take advantage of a 16 month balance transfer offer plus $0 p.a. annual fee for the first and the following years if you meet minimum require spend.
19.84% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Westpac Low Rate Card
A long term low rate balance transfer offer together with a low annual fee.
0% p.a. for 3 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offering 0% p.a. interest rate on balance transfers for 14 months. Earn 3x Velocity Points in the first 3 months
20.74% p.a. 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
Bank of Melbourne Vertigo Platinum
Low ongoing rate on purchases with a long term offer on balance transfers.
0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program.
19.99% p.a. 0% p.a. for 8 months $0 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
A long term balance transfer offer with the Citibank Rewards Platinum card. Earn extra points on overseas spend and includes travel insurance.
20.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $199 p.a. Go to site More info
NAB Premium Card
Enjoy a low interest rate on balance transfers with Platinum credit card advantages.
19.74% p.a. 0% p.a. for 15 months $90 p.a. Go to site More info

Learn more about Balance Transfer Credit Cards

No annual fee cards are great for those who are interested in a card with minimal fees attached. Consider these cards when you want to keep your costs down. What you might find helpful here is to think about the purpose of your card.

Comparing tips: How can this table help me?

  1. If you want to pay off an existing debt without the extra service fees you can click the balance transfer heading and the table will be sorted to display low (to 0%) interest balance transfer offers for you to compare.
  2. If you want to be flexible with making purchases you can select the interest rate heading to sort the table with lower interest cards that are combined with a no annual fee.

Keep this in mind: Some cards included in this list may only have a promotional offer for a no annual fee (these conditions will be highlighted). Though it’s worth comparing these options as the benefits of the cards might include features you might want to consider that other cards don’t.

No annual fee credit cards

Rates last updated August 1st, 2015.

HSBC Platinum Credit Card

$0 Annual fee for life + 0% for 8 months on balance transfers offer extended until 31 July 2015

April 30th, 2015

Virgin No Annual Fee Credit Card

Balance transfer offer period now 15 months for 0.9% p.a.

June 2nd, 2015

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
HSBC Platinum Credit Card
No annual fee for the life of the card. Earn points on everyday purchases and a balance transfer offer.
19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
American Express Velocity Escape Card
Earn Velocity points without paying an annual fee. 7,500 Velocity bonus points when you spend $300 in the first 3 months.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Take advantage of a 16 month balance transfer offer plus $0 p.a. annual fee for the first and the following years if you meet minimum require spend.
19.84% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($90 p.a. thereafter) 21.29% p.a. Go to site More info
American Express Qantas Discovery Card
Earn up to 7,500 bonus Qantas Frequent Flyer points, plus take advantage of the no annual fee offer. Earn 1.000 Qantas Frequent Flyer point per $1 spend.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
HSBC Credit Card
A no annual fee for the life of the credit card offer. Plus a low balance transfer offer. Also offers interest free finance at over 1,000 retailers across Australia.
17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% p.a. Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and no annual fee to pay.
9.99% p.a. $0 p.a. 9.99% p.a. Go to site More info
Coles No Annual Fee MasterCard
No annual fee and up to 62 interest free days. Earn 0.50 flybuys point per $1 you spend.
19.99% p.a. 0% p.a. for 6 months $0 p.a. 19.99% p.a. Go to site More info
BoQ Blue Visa Card
Receive a balance transfer offer with a low annual fee.
20.74% p.a. 0% p.a. for 9 months $0 p.a. annual fee for the first year ($60 p.a. thereafter) 21.74% p.a. Go to site More info
Bankwest Zero Platinum MasterCard
Complimentary travel insurance & 24/7 Concierge service and $0 Foreign Transaction fees. Plus enjoy a $0 annual fee.
17.99% p.a. 2.99% p.a. for 9 months $0 p.a. 21.99% p.a. Go to site More info
ANZ Frequent Flyer
Get 50,000 Qantas Points after you spend $3,000 on purchases within the first 3 months. Plus earn up to 1.00 Qantas Points per $1 spent on purchases.
19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) 21.49% p.a. Go to site More info
ANZ Platinum Credit Card
A low annual fee credit card with overseas travel and medical insurance.
19.74% p.a. 0% p.a. for 16 months with 2% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) 21.49% p.a. Go to site More info
Woolworths Money Everyday Platinum Credit Card
0% p.a. for 14 months on balance transfers and earn up to 3.00 rewards points per $1 spent with $0 annual fee and receive a $100 Gift Card, offer ends 31 August 2015.
19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) 21.99% p.a. Go to site More info
ANZ Frequent Flyer Black
Earn up to 50,000 Qantas points when you meet the minimum spend requirement and no annual fee in the first year. Conditions and minimum spend apply.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) 21.49% p.a. Go to site More info
Virgin No Annual Fee Credit Card
No annual fee credit card with $100 cashback and a long term low rate balance transfer offer of 0.9% p.a. for 15 months. Spend criteria applies for cashback offer.
18.99% p.a. 0.9% p.a. for 15 months $0 p.a. 20.99% p.a. Go to site More info
Citi Ready Credit - Fixed Payment Option
A special introductory Fixed Payment Option from rate for months, plus no annual fee.
*establishment fee of $99
8.99% p.a. for 48 months (reverts to 19.49% p.a.) $0 p.a. 19.49% p.a. Go to site More info
ANZ First Student Card Offer
A great card for students, with a no annual fee offer for the first year.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) 21.49% p.a. Go to site More info
Citi ReadyCredit
A long term balance transfer offer of 6.9% p.a. for 36 months with no annual fee.
19.49% p.a. 6.9% p.a. for 36 months $0 p.a. 19.49% p.a. Go to site More info

Learn more about No Annual Fee Credit Cards

Do you want to be rewarded for purchases you make on your credit card? These cards are linked to a rewards program and can see you earning points for every dollar you spend. These cards can offer lucrative rewards — but don’t forget to look at their costs as well. You can use the table to find the best rewards card for you.

Comparing tips: How can this table help me?

  1. To see the cards that will earn you the most points, click the points per $ spent heading to filter the table results and compare your options. Some of these card accounts come with two cards linked to the same account, usually a Visa or MasterCard and an American Express card, with both of these cards offering different earn rates.
  2. How much will it cost to use the rewards card? Click the annual fee heading and see. Remember to take into account the features of the card compared to what it will cost you.
  3. Rewards credit cards tend to have less competitive interest rates, so use the table to see how each card’s purchase rate compares. Click the interest rate p.a. heading to filter the table results and find your best card option.

Comparing cards with rewards

Rates last updated August 1st, 2015.

HSBC Platinum Credit Card

$0 Annual fee for life + 0% for 8 months on balance transfers offer extended until 31 July 2015

April 30th, 2015

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

Balance transfer offer changed now 0% for 14 months + half annual fee in the first year

June 10th, 2015

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Points per $ spent
ANZ Rewards Platinum
Earn points for every dollar spent on purchases plus a 50,000 Reward Points when you meet the minimum spend of $3,000 in the first three months and pay no annual fee for the first year.
18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) VISA/MC: 1.5 AMEX: 3 Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 3x Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 14 months
20.74% p.a. 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 Bonus Qantas Points Plus earn 2 points for international purchases including online spend. Including a low balance transfer offer of 0% p.a. for 6 months.
19.99% p.a. 0% p.a. for 6 months $199 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
ANZ Frequent Flyer Platinum American Express/Visa
Earn up to 1.50 Qantas Frequent Flyer points per $1 spent on purchases. Plus 50,000 Qantas Points when you spend $3,000 on purchases within the first 3 months and no annual fee offer in the first year. Conditions & minimum spend apply.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) VISA/MC: 0.5 AMEX: 1.5 Go to site More info
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with a low balance transfer offer of 0.99% p.a. for 6 months. Earn 1.00 Qantas Point per $1 spend.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
American Express Velocity Escape Card
Receive 7,500 Velocity bonus points when you spend $300 in the first 3 months, plus a $0 p.a. card fee.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
20,000 bonus Velocity points and half annual fee offer for the first year.
20.74% p.a. 1.9% p.a. for 12 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) VISA/MC: 1.25 AMEX: 0 Go to site More info
Coles Low Rate Mastercard
Enjoy a low annual fee credit card and a low interest rate.
11.99% p.a. 0% p.a. for 6 months $49 p.a. VISA/MC: 0.5 AMEX: 0 Go to site More info
ANZ Frequent Flyer
Get 50,000 Qantas Points after you spend $3,000 on purchases within the first 3 months and earn up to 1.00 points per $1 spent on purchases.
19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) VISA/MC: 0.5 AMEX: 1 Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards bonus points and a complimentary Virgin Australia flight each year. Plus a low balance transfer offer of 0.99% p.a. for 6 months.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $195 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
Citi Qantas Signature Credit Card
Earn up to 60,000 bonus Qantas Points when you meet the spend requirement, 0% p.a. for 6 months on balance transfers and $0 annual fee for the first year.
20.99% p.a. 0% p.a. for 6 months $0 p.a. annual fee for the first year ($299 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
Coles No Annual Fee MasterCard
No annual fee credit card with flybuys points on everyday purchases, plus enjoy up to 62 interest free days.
19.99% p.a. 0% p.a. for 6 months $0 p.a. VISA/MC: 0.5 AMEX: 0 Go to site More info
HSBC Platinum Credit Card
A low balance transfer offer of 0% p.a. for 8 months. Enjoy a no annual fee for the life of the card with high credit limits, prestige services including a personal concierge service and VISA Platinum rewards program.
19.99% p.a. 0% p.a. for 8 months $0 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
American Express Qantas Ultimate Card
Receive up to 50,000 extra Qantas Points. Plus earn 1.00 points per $1 spend.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $450 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
NAB Qantas Rewards Premium Card
A low balance transfer offer of 0% p.a. for 15 months as well as 40,000 bonus Qantas Points. Ability to earn 1.50 points per $1 spent on eligible purchases.
19.99% p.a. 0% p.a. for 15 months $250 p.a. VISA/MC: 0.5 AMEX: 1.5 Go to site More info
Bankwest Qantas Platinum MasterCard
Bonus 8,000 Qantas Points when you apply online. Plus earn 0.750 Qantas Points for every $1 spent.
20.49% p.a. 2.99% p.a. for 9 months $160 p.a. VISA/MC: 0.75 AMEX: 0 Go to site More info
St.George Amplify Signature
Earn 1.500 Qantas or Amplify Points per dollar spent on eligible purchases.
0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $279 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
NAB Velocity Rewards Premium Card
Receive 20,000 bonus reward points and a complimentary insurance. 0% p.a. on balance transfers for 15 months.
19.99% p.a. 0% p.a. for 15 months $150 p.a. VISA/MC: 0.5 AMEX: 1.5 Go to site More info
ANZ Rewards Black Credit Card

Pay no annual fee for the first year and receive 50,000 Reward Points when you spend $3,000 on purchases within the first 3 months. Offer ends 20 August 2015.

18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) VISA/MC: 2 AMEX: 3 Go to site More info
ANZ Rewards Credit Card
Apply for the ANZ Rewards Credit Card and get 50,000 Reward Points after you spend $3,000 on purchases within the first three months. Earn reward points on your purchases, redeemable for a huge selection of rewards including shopping vouchers, gift cards, and travel.
18.79% p.a. $0 p.a. annual fee for the first year ($89 p.a. thereafter) VISA/MC: 1.5 AMEX: 2 Go to site More info
Bankwest Qantas MasterCard
2,000 Qantas points offer and earn 0.500 Qantas Point per $1 spent on eligible purchases.
20.49% p.a. 2.99% p.a. for 9 months $100 p.a. VISA/MC: 0.5 AMEX: 0 Go to site More info
St.George Amplify Platinum
Choose between Amplify or Qantas rewards program. Uncapped points earning.
0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $99 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
Woolworths Money Everyday Platinum Credit Card
0% p.a. for 14 months on balance transfers and earn up to 3.00 rewards points per $1 spent with $0 annual fee and receive a $100 Gift Card, offer ends 31 August 2015.
19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
Westpac Altitude Black
Access a dedicated concierge & iPhone app, your own personal shopper and a range of complimentary travel and purchase insurances. Offers two reward programs which you can choose between Altitude or Qantas Rewards.
0% p.a. for 3 months (reverts to 20.24% p.a.) 0% p.a. for 20 months $395 p.a. VISA/MC: 1.25 AMEX: 3 Go to site More info
Woolworths Money Qantas Platinum Credit Card
Earn Qantas Points on your everyday shop and pay a reduced annual fee for the first year. Includes access to special discounts with associated partners.
20.49% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($139 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
Bankwest More Platinum Mastercard
Introductory 28,000 bonus points offer and a low interest rate on balance transfers.
19.99% p.a. 2.99% p.a. for 9 months $130 p.a. VISA/MC: 2 AMEX: 0 Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
ANZ Frequent Flyer Black
Earn up to 50,000 bonus Qantas Points when you meet the minimum spend requirement and no annual fee in the first year. Conditions and minimum spend apply.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) VISA/MC: 0.75 AMEX: 1.5 Go to site More info
Citi Rewards Credit Card - Signature
Get 60,000 reward points on your first eligible purchase. Convert them to Qantas Points.
20.99% p.a. 0% p.a. for 6 months with 1% balance transfer fee $299 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
Citi Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months with 2.5% balance transfer fee and a host of platinum privileges. Earn up to 1.250 Citibank Reward points for every $1 spend.
20.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $199 p.a. VISA/MC: 1.25 AMEX: 0 Go to site More info
Bankwest More Classic MasterCard
8,000 bonus More points offer and a long term balance transfer.
19.99% p.a. 2.99% p.a. for 9 months $70 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
Bankwest More Gold MasterCard
15,000 bonus points and a balance transfer offer of 2.99% p.a. for 9 months.
19.99% p.a. 2.99% p.a. for 9 months $120 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
Westpac Altitude Platinum Card
Redeem Altitude points for flights on any of the world's major airlines including free insurance and travel benefits. Also a low purchase rate offer of 0% p.a. for 3 months and a long term balance transfer.
0% p.a. for 3 months (reverts to 20.24% p.a.) 0% p.a. for 20 months $150 p.a. VISA/MC: 1 AMEX: 2 Go to site More info
American Express Platinum Card
Receive 80,000 Membership Rewards Bonus Points when you spend $500 on your card. You can transfer points to a choice of 9 leading airline rewards programs, including the Qantas Frequent Flyer program.
$1,200 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
Westpac Altitude Business Gold Credit Card
A complimentary travel insurance, purchase cover and no annual fee for the first year. Also receive a low purchase rate offer of 0% p.a. for 12 months.
0% p.a. for 12 months (reverts to 20.24% p.a.) $0 p.a. annual fee for the first year ($150 p.a. thereafter) VISA/MC: 1 AMEX: 2 Go to site More info
Emirates Citi World Card
Receive up to 40,000 bonus Skyward Miles and half price annual fee for the first year.
20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
Citi Prestige Card
Receive 70,000 bonus reward points on your first spend. Option to earn opt-in to the Qantas Rewards program and earn Qantas Points.
20.74% p.a. 0% p.a. for 6 months $700 p.a. 2 Go to site More info
David Jones American Express
Receive 30,000 Membership Rewards points, earn up to 3.00 rewards points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
20.74% p.a. $99 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
Bank of Melbourne Amplify Classic - Amplify Rewards
Earn Amplify points on purchases to redeem for gift cards, appliances, events and experiences, travel through Amplify Travel. Plus a low purchase rate offer of 0% p.a. for 3 months.
0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $79 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
Coles Rewards Platinum Mastercard
Earn 2.000 flybuys points for every $1 spent and no foreign transaction fees for online purchases and overseas trips, plus 62 interest-free days on purchases.
19.99% p.a. 0% p.a. for 6 months $89 p.a. VISA/MC: 2 AMEX: 0 Go to site More info

Learn more about rewards credit cards

A low interest rate card can help keep your repayments manageable, while a 0% interest card can give you an interest-free line of credit for a set amount of time. These type of cards can be a good low-cost option to consider, and by using the table you can find out just how competitive each card is.

Comparing tips: How can this table help me?

  1. The main feature of comparison with these cards will be the interest rate. What rate will you be charged on your purchases, and how long is the interest-free period for (if applicable)? You can find this out by clicking on the interest rate p.a. heading of the table.
  2. As these are low cost cards, it can also help to check what else it will cost you to own the card. Click the annual fee heading to filter the cards by their fee — do these cards charge much for their low interest rates?

Comparing low interest and 0% purchase credit cards

Rates last updated August 1st, 2015.

St.George Vertigo Platinum

Balance transfer offer period now 20 months (from 6 months) for 0% p.a.

February 9th, 2015

NAB Low Rate Credit Card

0% for 12 months purchase rate offer extended to 11 October 2015

April 19th, 2015

Westpac Low Rate Card

Balance transfer offer now 0% for 18 months + 0% for 3 months on purchases

June 2nd, 2015

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
NAB Low Rate Credit Card
A credit card which offers a low rate introductory offer on purchases and a low annual fee.
0% p.a. for 12 months (reverts to 13.99% p.a.) 4.99% p.a. for 6 months $59 p.a. 21.74% p.a. Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest free on purchases and a low annual fee.
0% p.a. for 3 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. 21.49% p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee.
0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
St.George Vertigo Visa
A low rate shopping credit card offering a low ongoing rate on purchases plus a low balance transfer offer.
0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
Coles Low Rate Mastercard
A low interest rate credit card along with a low annual fee.
11.99% p.a. 0% p.a. for 6 months $49 p.a. 19.99% p.a. Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
9.99% p.a. $0 p.a. 9.99% p.a. Go to site More info
Citi Clear Platinum Card
Enjoy the benefits of Visa Platinum, with a low annual fee and a great introductory offer on purchases and balance transfers.
0% p.a. for 9 months (reverts to 13.99% p.a.) 0% p.a. for 9 months $49 p.a. annual fee for the first year ($99 p.a. thereafter) 21.74% p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee.
0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
A low purchase rate offer from Bank of Melbourne. Also benefit with other features including a low ongoing purchase rate and low annual fee.
0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
ANZ Low Rate
Save with a low rate on balance transfers with a low annual fee and ongoing purchase rate.
13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. 21.74% p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
Platinum card features including overseas medical and travel insurance together with a low interest rate on purchases.
13.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. 21.74% p.a. Go to site More info
St.George No Annual Fee
0% on purchases for the first 3 months and $0 annual fees, plus the added bonus of 12 months on balance transfer.
0% p.a. for 3 months (reverts to 20.49% p.a.) 0% p.a. for 12 months $0 p.a. 20.49% p.a. Go to site More info
Bank of Melbourne Amplify Signature
Offers a low interest rate offer on purchases and balance transfers when you apply and be rewarded on your birthday every year.
0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $279 p.a. 20.74% p.a. Go to site More info
Westpac Low Rate Card - Exclusive Offer
Exclusive Offer to finder.com.au
A low interest rate on everyday purchases and an exclusive long term balance transfer rate offer.
13.49% p.a. 0% p.a. for 20 months with 2.5% balance transfer fee $59 p.a. 21.49% p.a. Go to site More info
BankSA Vertigo Visa
A low rate credit card, with a low purchase offer from BankSA.
0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info

Learn more about low interest credit cards

Let your credit card take you places. If you travel often, you can get a credit card that earns you frequent flyer points for different airlines. These cards are similar to rewards credit card but are instead tailored to travel rewards.

Comparing tips: How can this table help me?

Here’s a quick guide on using the table to compare your options:

  1. If you want to see which frequent flyer card is the most rewarding, you can look at a few things. Click the bonus points heading to see if you will earn any points when you sign up to the card, and click the per $ spent headings for the points earn rate of the cards.
  2. You can also use the table to see which of the frequent flyer cards is the most competitively priced. Select the interest rate p.a. heading of the table to see the rate you’ll be charged if you don’t repay your balance in full, and click the annual fee heading to see what you’ll pay each year to hold the card.

Credit cards that earn frequent flyer points

Rates last updated August 1st, 2015.

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

Balance transfer offer changed now 0% for 14 months + half annual fee in the first year

June 10th, 2015

View latest updates

Jonathan Choi Jonathan
Bonus Points Visa / MasterCard points per $ spent Amex points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Velocity Platinum Card
American Express Velocity Platinum Card
100,000 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $349 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
40,000 bonus points 1 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
1 0 20.74% p.a. 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum American Express/Visa
ANZ Frequent Flyer Platinum American Express/Visa
50,000 bonus points 0.5 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Woolworths Money Qantas Platinum Credit Card
Woolworths Money Qantas Platinum Credit Card
10,000 bonus points 1 0 20.49% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($139 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
7,500 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ Frequent Flyer
ANZ Frequent Flyer
50,000 bonus points 0.5 1 19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Citi Qantas Signature Credit Card
Citi Qantas Signature Credit Card
60,000 bonus points 1 0 20.99% p.a. 0% p.a. for 6 months $0 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
40,000 bonus points 0.5 1.5 19.99% p.a. 0% p.a. for 15 months $250 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
10,000 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $195 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
50,000 bonus points 0.75 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card
50,000 bonus points 2 3 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
50,000 bonus points 0 1 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $450 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
20,000 bonus points 1.25 0 20.74% p.a. 1.9% p.a. for 12 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
NAB Qantas Rewards Card
NAB Qantas Rewards Card
20,000 bonus points 0.5 1 19.99% p.a. 0% p.a. for 15 months $95 p.a. Go to site More info
St.George Amplify Signature
St.George Amplify Signature
1.5 0 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $279 p.a. Go to site More info
Bankwest Qantas Platinum MasterCard
Bankwest Qantas Platinum MasterCard
8,000 bonus points 0.75 0 20.49% p.a. 2.99% p.a. for 9 months $160 p.a. Go to site More info
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
20,000 bonus points 0.5 1.5 19.99% p.a. 0% p.a. for 15 months $150 p.a. Go to site More info
St.George Amplify Classic
St.George Amplify Classic
1 0 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $79 p.a. Go to site More info
American Express Platinum Card
American Express Platinum Card
80,000 bonus points 0 1 $1,200 p.a. Go to site More info
Bankwest Qantas Gold MasterCard
Bankwest Qantas Gold MasterCard
4,000 bonus points 0.5 0 20.49% p.a. 2.99% p.a. for 9 months $150 p.a. Go to site More info
St.George Amplify Platinum
St.George Amplify Platinum
1 0 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $99 p.a. Go to site More info
Citi Rewards Credit Card - Signature
Citi Rewards Credit Card - Signature
60,000 bonus points 1.5 0 20.99% p.a. 0% p.a. for 6 months with 1% balance transfer fee $299 p.a. Go to site More info
Bankwest More Platinum Mastercard
Bankwest More Platinum Mastercard
28,000 bonus points 2 0 19.99% p.a. 2.99% p.a. for 9 months $130 p.a. Go to site More info
Bankwest Qantas MasterCard
Bankwest Qantas MasterCard
2,000 bonus points 0.5 0 20.49% p.a. 2.99% p.a. for 9 months $100 p.a. Go to site More info
Westpac Altitude Platinum Card
Westpac Altitude Platinum Card
1 2 0% p.a. for 3 months (reverts to 20.24% p.a.) 0% p.a. for 20 months $150 p.a. Go to site More info
David Jones American Express
David Jones American Express
30,000 bonus points 0 1 20.74% p.a. $99 p.a. Go to site More info
NAB flybuys Rewards Card
NAB flybuys Rewards Card
10,000 bonus points 1 0 19.99% p.a. 0% p.a. for 15 months $95 p.a. Go to site More info

Learn more about frequent flyer credit cards

 

Below is a list of credit card offers that are exclusive to finder.com.au. These are offers that are specially unique to us – and us only.

Credit cards that are exclusive to finder.com.au

Rates last updated August 1st, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Westpac Low Rate Card - Exclusive Offer
Exclusive Offer to finder.com.au

Long term balance transfer offer with a low annual fee.

13.49% p.a. 0% p.a. for 20 months with 2.5% balance transfer fee $59 p.a. 21.49% p.a. Go to site More info

Factors to Consider when Comparing Credit Cards:

Factors to consider with a balance transfer comparison

If want to shift some stubborn credit card debt to a card with a balance transfer offer, there are some key points to consider:

  • Can I balance transfer from my existing card provider to this new provider? Credit card providers have a list of providers they won’t accept transfers from, so ensure you’re able to carry out a transfer before you go through the application process. Check out our up-to-date list here.
  • What interest rate applies to the balance transfer? The point of a balance transfer is to be able to pay off your credit card debt at a rate lower than you already have. Rates can go as low as 0% p.a. for shorter terms of six to nine months, and may increase as the offer length increases.
  • What interest rate applies once the balance transfer period ends? Once the balance transfer ends, your rate will either revert to the interest rate for purchases, or the usually higher cash advance rate. If you don’t think you’ll pay off your balance by the time the period ends, you’ll want to find out what rate you’ll be paying.
  • How long do you have before the balance transfer rate runs out? As mentioned, a key factor in determining what balance transfer is a good option is to find out how long you’ll need to pay off it off. Terms range from 6 months, 9, 12 and even up to 24 months. Use a credit card repayment calculator and input the rate you’ll get on your balance transfer offer, as well as how much you’re prepared to put towards your debt each month. This will show you how long it’ll take you to repay, and help you choose the right balance transfer length.
  • Is there an annual fee? An annual fee isn’t uncommon with credit cards, but make sure you’re not going to be charged a particularly large fee when transferring a balance, as this may outweigh some of the savings you’ll be making.
  • Is there a balance transfer fee? Fees for making a balance transfer are rare but can exist, so find out if these apply to any of the cards you’re thinking of applying for.
  • Is there a limited time in which you have to instigate a balance transfer with the new bank? Some cards require balance transfers to be made at the time of application in order to qualify for the promotional rates, and others may give you a window of time after you receive your card to request a transfer.

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Factors to consider with a rewards credit card comparison

The key points to consider when comparing different rewards credit cards are:

  • Don’t assume you’re getting something for nothing – One tip when it comes to rewards cards is to take into account every aspect of a card when comparing. Failing to do this may see you pay more for fewer benefits..
  • How do you earn your points? Points are earned when you spend on your card. Each card will earn points at a specific rate, such as 1 point per $1 spent. Some cards may come with both an American Express and Visa or MasterCard, each with different earn rates. For example you may earn 3 points per $1 spent with the American Express and 1 point per $1 spent with the MasterCard.
  • Is there an annual fee? You may be paying more in fees than you receive back in rewards. Estimate how much you’ll be spending each year, and the value of the rewards you’re likely to redeem your points for. This will help you decide if the rewards gathered outweigh the annual fees you pay.
  • What are you points worth? As mentioned above, it’s a good idea to translate the reward points of a card back into dollar value. The key to this is choosing a reward that you realistically would apply for. Say this is a $50 gift card which costs 6,750 points, and you earn 1 point per $1 spent, this means you’ve spent 135 points for every $1 received from the gift card. Carrying out these calculations on a number of cards will help you calculate what your points are worth.
  • How can you redeem your points? Rewards cards may have programs which are offered by the card provider themselves, or through an airline program, such as the Virgin Velocity or Qantas Frequent Flyer programs. There are many different rewards types available such as: travel rewards, where you can exchange points for part or all of an airfare; retail goods, where you can use your points to pay for things as diverse as clothing or technology; cashbacks, where you can a percentage of your spend back in cash rewards; and charities, where you can donate a percentage of your spend to a nominated charity.
  • Cap and expiry – Cards may have limits on how much you can earn in a year, after which you’ll either earn points at a slower rate, or cease to earn points altogether, so compare this. Check the expiry date on points too – if you plan to save up your points over several years an expiry date might see you lose your balance.
  • Interest free days and interest rates – A rewards card is just like any other credit card and you will be hit with interest charges if you do not pay off your balance in full each month, so compare these rates if you tend to carry a balance each month. If you don’t, compare the number of interest free days offered to ensure it suits you.

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Factors to consider with a no annual fee credit card comparison

The key points to consider when comparing different No Annual Fee credit cards are:

  • Is the provider compensating themselves in another way for waiving the annual fee? This is a difficult question to answer, but you can find out by looking at the features and benefits of a card with no annual fee. In some cases certain features or extras may be missing, so when comparing a card ensure the features you want haven’t been abandoned in favour of no annual fee.
  • Does an annual fee kick in after a certain time period? Some credit cards may have no annual fee for the first year, and then introduce it for subsequent years after this. Read carefully to see if this applies to the cards you’re comparing.
  • What is the interest rate? There’s a continuing theme in this guide – certain credit card features, regardless of the type of card, are always important to compare. The interest rate of a card without an annual fee should be compared. If you’ll be carrying a balance from month to month it may be a good idea to select a lower rate. If the no annual fee card you’re interested in has a high interest rate then consider if the savings made from no fees will be lost in interest charges.
  • How many interest free days do you get? You should still be able to get interest-free days even if there is no annual fee. Most cards will allow up to 55 days interest-free credit on purchases, although this varies. Note that you don’t actually get 55 days interest free on all your purchases – this is the maximum amount of time you get if your first transaction is on the first day of your new statement period.
  • Balance transfer offers –this is typically a popular hook to get new customers, however, if you do have a debt on another card and you can find a new provider offering a zero fee and a great balance transfer rate, it could be a good way to maximise savings. The new card provider will most likely be gambling on the possibility that you will not be able to pay off your transferred balance before the offer period expires and a much higher interest rate takes over. Make sure you check the fine print in this situation because the rate your balance transfer reverts to may not be the regular rate of interest; it may instead be the cash advance interest rate, which is usually around 20%. It’s your responsibility to check and ensure that you choose a balance transfer deal that is realistic. In other words, one that offers a long enough period of time to completely repay the debt.

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Factors to consider with a low interest credit card comparison

If you carry a balance from month to month and therefore want a card with a lower rate of interest, there’s still a checklist of features to compare.

  • What is the annual fee? You’ve come to this section looking for a card with a low interest rate, so you may be wondering why one of the more important ways to compare these cards is using the annual fee. There are many cards out there with similar interest rates and features, so one way to find out which card may help you save more is by comparing the annual fees.
  • What is the interest rate? Finding a card with a low interest rate is important if you’re going to be paying interest each month. As mentioned above, make sure you’re not going to be paying for this low rate with hefty annual fees.
  • Check whether the rates are introductory rates or ongoing – One way for card providers to hook new customers is through 0% interest deals, which are offered for a number of months. This may be good if you only plan to use the card for a short period of time, but find out what rate you’ll be paying once the deal ends.
  • Check whether the card has a rewards scheme – but evaluate these with a fine-toothed comb before going ahead, as you may lose out through higher fees.
  • Check for hidden fees and charges – read the fine print on the card provider’s website before you apply, as you may pay extra for ATM fees or when travelling overseas.

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Factors to consider with a student credit card comparison

Being a student can be difficult financially, and card providers know this. That’s why many card providers have credit cards which are marketed to students.

These cards may not specifically be named student credit cards, but will have lower income thresholds. If you’ve decided a student credit card might be useful and you’ve never had a credit card before, it’s important to get acquainted with how one works.

Once you’ve done this, you can follow these comparison steps:

  • What’s the annual fee? If you’re only going to use your credit card for emergency purchases and will pay off your balance before being charged interest, it’s important to find out what this fee will be, as it’ll be one of the biggest expenses that’ll come with having a credit card.
  • What’s the interest rate? If you won’t pay off your balance each month, you’ll be paying interest. This is one reason why it’s good to compare cards with lower interest rates.
  • Interest free days – Find out how many interest free days you’ll receive on the cards you’re comparing. If you’re going to be paying off your balance each month you might want a higher number of days each statement cycle. As mentioned above, if a credit card has 55 interest free days this doesn’t mean every purchase has 55 days without interest. What this refers to is that from the first day on your statement cycle you’ll have 55 days before your bill is due, after which you’ll have to make your minimum payment and start being charged interest.
  • Promotion fine print – Some of the credit cards marketed to students offer lower interest rates for purchases or balance transfers. As always, compare the rates that these deals will revert to once the promotion ends, and how long the promotional period is.

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Factors to consider with a business credit card comparison

A credit card can benefit small and large businesses alike. They can be compared by looking at the following factors:

  • What’s the purchase rate and fees? Finding out the interest rate of a credit card is important when your business is trying to manage expenses. If the business carries a balance it’s even more important to make sure the rate isn’t too high, and that the mixture of features and annual fees suit your business.
  • What are the interest free days? Conversely, if you pay off your statement before interest is charged each month then you might want to consider a card with a higher amount of interest free days. Some business cards over as little as 31 interest free days, while some offer up to 55 days. If you only need 30 interest free days per statement you may be able to save on fees, so factor this into your comparison.
  • Is there a rewards program? Many business credit cards offer a rewards program, and the same comparison tips from above apply: ensure the annual fees won’t outweigh the rewards you’ll earn, find out if there are any points caps per year and ensure the rewards offered are to your liking. If your business requires a large number of flights per year for example, it may be a good idea to find a program which allows you to exchange points for flights on your desired airline.

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Factors to consider with an overseas travel credit card comparison

With more and more Australians travelling overseas each year, overseas credit cards can be a popular choice. Keep the following in mind when comparing these cards:

  • What fees will I pay for making purchases overseas? Card providers charge a foreign transaction fee ranging between 1 – 3% per transaction when using your credit card overseas. When comparing a card which you’ll use overseas to make purchases, look for one that waives this fee.
  • What fees will I pay for making withdrawing money overseas? If you plan on using your credit card to withdraw money from ATMs overseas, there’s usually a flat rate fee of as much as $5, in addition to the foreign transaction fee. Again, if you plan to make many overseas cash withdrawals using your credit card, compare and find one which waives this fee.
  • What’s the annual fee? If a credit card waives the above fees but charges an expensive annual fee you may end up losing out in the end, so estimate how much you stand to save vs the annual fee.
  • Where will my card be accepted? MasterCard and Visa are accepted at millions of locations worldwide, whereas Diners Club and American Express are not as readily accepted. Compare the pros and cons of each type of card before deciding on what you’ll apply for.
  • What complimentary insurances will I receive? Many cards marketed to overseas travellers offer complimentary travel insurance. When comparing these cards, have an in-depth look at the policy booklets available online, and ensure you’ll be covered for the type of trip you’re going on, and for the amount you need.
  • What’s the interest rate and cash advance rate? As mentioned numerous times above, ensure these two rates are acceptable to you and the type of spending you’ll do.
  • Is there a rewards program? Some cards offer rewards programs in addition to lower transaction fees, so ensure if you’re looking for this kind of card, that you take into account annual fees and what kinds of rewards and airlines you can redeem rewards for.

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Factors to consider with a Gold and Platinum credit card comparison

If you’re ready to apply for a new gold or platinum credit card, there are also some specific ways to compare.

  • What are the travel insurances provided? Gold and platinum cards usually offer complimentary travel insurance when you use your card to pay for most or all of your travel expenses. When comparing cards, take a look at the individual policy booklets and ensure you’ll be covered for the type of trips you’ll be taking.
  • What are the annual fees? Gold and platinum cards are known to have higher fees than other cards. This isn’t a bad thing if you stand to make savings consistently using the features associated with these cards, explained below.
  • What extra features and benefits are included? Some gold, and most platinum cards offer a range of bonuses. These include around the clock concierge services, purchase insurance to replace items bought with the card, and even extended warranties. Some cards even offer complimentary domestic flights each year. Compare what’s offered on the cards you’re interested in and ensure you’ll use these extra features.
  • What are the interest rates and interest free days? Another important way to compare gold and platinum credit cards is through the interest rate offered. A lower rate can act as security if you overspend in a particular month, as can interest free days, so be sure to factor this into your comparison.
  • What rewards programs are offered? Most gold and platinum cards offer rewards programs. As noted above, ensure the annual fee charged on these cards isn’t so high that it makes your points useless.
  • What’s the maximum credit limit? If you plan to use your credit card for large spends, you may want to compare cards with higher maximum limits.

Click and compare gold and platinum credit cards

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Other Credit Card Comparisons:

Compare Australian credit cards and read up on relevant and valuable Australian credit card articles. If you’re new to credit cards or would like to find more information about particular credit cards, new and comprehensive credit card guides are listed.

  • Compare the Best Credit Cards* – Check out our comparison of the most popular credit card types.
  • Compare the Top 10 Credit Cards – This is the same credit card comparison table which features on the homepage.
  • Gold & Platinum Information – There are privileges that come with Gold & Platinum including a wide range of insurance and entertainment access, but you need to ask yourself whether it’s truly worth the cost.
  • Compare Debit Cards – Some of us either don’t trust ourselves with a credit card, or truly don’t need access to credit. They can make do with using their own savings, but would still like the purchase access that a credit card offers.
  • Compare Cashback Cards – Cashback credit cards a sub-category of reward program cards. In essence there are two types of ‘cashback’ offers – ‘cashback rewards’ and money back. This comparison is predominantly for ‘cashback rewards’ because they are the most popular and valuable on the Australian market.
  • No Fee Balance Transfer Credit Cards – find out how to transfer your balance to a new credit card without paying a balance transfer fee
  • Travel Services Credit Cards – Find credit cards that offers benefits for regular travellers
  • Interest Free Credit Cards – Credit cards that offers an interest free balance transfer period or purchase rate
  • Super Balance Transfer Credit cards – A credit card that features a phenomenal balance transfer offer, is targeted to attracting new customers. These are great offers if you are looking to consolidate and pay less credit card interest

In a recent survey, approximately 20% of Australians said they’ve used a credit card comparison site before making a credit card application. Just under 40% simply spoke to their bank representative when they needed a credit card.

There are a huge number of credit card providers in Australia – all vying for your business. This stiff competition is a great thing for consumers, but only through comparison can you discover which is has the best combination of competitive features, rates and fees for your situation.

If you’re ready to start your comparison journey and you know what kind of credit card you’re after, this guide will show you what factors are important to compare.

Where to next?

Check out more credit card comparison tips and guides to help you compare credit cards and choose a credit card that is right for you.

* The credit card offers compared on this page are chosen from a range of credit cards Credit Card Finder has access to track details from and is not representative of all the products available in the market. The use of terms ‘Best’ and ‘Top’ are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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26 Responses to Compare Credit Cards

  1. Default Gravatar
    Wolfie | July 17, 2015

    Does changing to a new credit card and transferring the balance reduce the interest rate?

    • Staff
      Jonathan | July 17, 2015

      Hi Wolfie, thanks for your inquiry!

      Changing to a new balance transfer credit card can reduce the interest rate that you are currently paying. Please refer to the following link for 0% balance transfer credit cards.

      Cheers,

      Jonathan

  2. Default Gravatar
    Chris | May 3, 2015

    Hi,

    I am under 457 visa can i apply for a card that states not for temporary resident?

    Many thanks

    Kind regards,
    Chris

    • Staff
      Jonathan | May 4, 2015

      Hi Chris, thanks for your inquiry!

      For more information on which lenders/ banks provide credit card services for 457 Visa holders please see this page.

      Cheers,

      Jonathan

  3. Default Gravatar
    Leah | April 24, 2015

    Considering a credit card; no other supplementary income – $1132 p/f. Child Support additional $399 a year. Low credit rating.

    Have looked at lenders page providing information in regards to lenders who do accept centrelink as a form of income but so far I am not getting the answers I’m looking for. Only looking for a low limit so not to overspend, easy to keep track of for emergencies.

    • Staff
      Jonathan | April 30, 2015

      Hi Leah, thanks for your inquiry!

      Generally with applying for a credit card, Centrelink benefits are handled on a case by case basis by banks/ lenders. The application requirements on each credit card provide an indicator to whether you are eligible to apply. For any further inquiries it is recommended to speak to the bank directly either through customer service centre or local branch. You may like to refer to the following link for more information on lenders who accept Centrelink benefits as a form of income and other loan options. Please also refer to this page for low interest rate credit cards.

      Cheers,

      Jonathan

  4. Default Gravatar
    Sean | April 13, 2015

    Can you suggest credit card providers who will issue cards to discharged bankrupts?

    • Staff
      Jonathan | April 14, 2015

      Hi Sean, thanks for your inquiry!

      Unfortunately there are no credit card products directly targeted to discharged bankrupts. After being discharged from bankruptcy it can be ideal to assess your current credit rating/ score by undergoing a credit repair process, more information on this process can be found on this page.

      Cheers,

      Jonathan

  5. Default Gravatar
    harry | March 11, 2015

    why do some credit cards have a fee of 1 to 2.5 balance transfer fee when others have nothing or is it hidden in fine print
    Regards

    • Staff
      Jonathan | March 11, 2015

      Hi Harry, thanks for your inquiry!

      The balance transfer fee is unique to a lender’s terms and policies. For a list of credit cards that do not have a balance transfer fee please see this page.

      Cheers,

      Jonathan

  6. Default Gravatar
    Brett | February 11, 2015

    im looking at getting credit card for my wife she nets 730 dollars a week which would be best card for her and what limit should she apply for

    • Staff
      Jonathan | February 11, 2015

      Hi Brett, thanks for your inquiry!

      There are a number of credit card categories that you can choose from including Balance transfer cards, No Annual Fee Credit Cards, Rewards cards and many more. Depending on the individual’s needs and potential benefits they are seeking the card type will vary. The compare credit card page on this page we have defined the different card types on the left hand side bar and in further detail down the page with factors to consider.

      Cheers,

      Jonathan

  7. Default Gravatar
    Alan | December 15, 2014

    which Visa or Master card gives the best reward points without any cap on points collected in a year or in a period of time?
    Also it must have a reasonable credit limit, we pay our cards every month.

    • Staff
      Elizabeth | December 15, 2014

      Hi Alan,

      Thanks for your question.

      You can compare cards with uncapped rewards points earning on this page, and cards with uncapped rewards points earning and no points expiry on this page. You can check the credit limit by clicking through to the individual review pages by clicking ‘more info’.

      I hope this has helped.

      Thanks,

      Elizabeth

  8. Default Gravatar
    LAC | December 8, 2014

    Would like a platinum card with reward program. Hate the annual fee. Current provider too expensive and too much fiddling with HSBC card, customer service hopeless. Any others suggested?

    • Staff
      Elizabeth | December 8, 2014

      Hi LAC,

      Thanks for your question.

      I can’t suggest a specific credit card for you, but you can compare a range of no annual fee credit cards with rewards programs on this page. Not too many platinum cards come with no annual fee, but you can compare platinum cards using the table on this page. Simply click the heading ‘annual fee’ to filter the table to show the lowest annual fee to the highest.

      I hope this has helped.

      Thanks,

      Elizabeth

  9. Default Gravatar
    Kate | June 24, 2014

    Hello,

    I am looking for a card with a low credit rate that has free international transactions and overseas withdrawls to change to same as my current GE Money 28 degrees card. I would rather not pay for annual fees but if this keeps the interest rate down I am happy to do so

    • Staff
      Shirley | June 27, 2014

      Hi Kate,

      Thanks for your question.

      You compare credit cards with no currency conversion fees on this page.

      Cheers,
      Shirley

  10. Default Gravatar
    Bill | January 8, 2014

    Does payment of a bill by credit card count as a purchase or a cash advance?

Credit Cards Comparison

Rates last updated August 1st, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee.
0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
NAB Low Rate Credit Card
Low ongoing interest rate on purchases and balance transfers.
0% p.a. for 12 months (reverts to 13.99% p.a.) 4.99% p.a. for 6 months $59 p.a. 21.74% p.a. Go to site More info
Westpac Low Rate Card
A low interest rate credit card with a low annual fee and balance transfer offer.
0% p.a. for 3 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. 21.49% p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you spend $300 within the first 3 months and up to 2.00 points for every dollar you spend, together with a $0 annual fee. Offer ends on 30 September 2015.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program.
19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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