Compare Credit Cards

Your credit card comparison checklist awaits, no matter what kind of card you’re after…

It’s important to compare different credit cards so you know you’re getting the best deal possible. Learn how to do this 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.

Westpac 55 Day Platinum Card

Platinum Credit Cards with 0% Purchase Offer

A platinum credit card with no annual fee and privileges including complimentary international travel insurance. Also benefit from the introductory offer on purchases.

  • $0 p.a. annual fee
  • 0% p.a. for 12 months (reverts to 19.95% p.a.) on purchases
  • 3.99% p.a. for 6 months with 1% balance transfer fee on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $30,000 p.a.

Credit Card Comparison:

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Westpac 55 Day Platinum Card
Westpac 55 Day Platinum Card
Exclusive Offer to Credit Card Finder. 0% p.a. for 12 months on Purchases
$0 annual fee with platinum benefits including a platinum concierge service, overseas travel insurance, extended warranty cover and purchase security cover.
0% p.a. for 12 months (reverts to 19.95% p.a.) 3.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. 21.49% p.a. Apply
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ANZ Low Rate
ANZ Low Rate
Offering a low balance transfer and a low interest on-going purchase rate and a competitive annual fee. 13.49% p.a. 0% p.a. for 16 months $58 p.a. 21.74% p.a. Apply
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St.George Vertigo Visa
St.George Vertigo Visa
A low ongoing interest rate on purchases with a long balance transfer offer. 13.24% p.a. 0% p.a. for 14 months $55 p.a. 21.49% p.a. Apply
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HSBC Platinum Credit Card
HSBC Platinum Credit Card
A HSBC Platinum card offer with a long balance transfer period and bonus points offer. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Apply
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Bankwest Breeze MasterCard
Bankwest Breeze MasterCard
A low interest offer on purchases and balance transfers for new applicants. 12.24% p.a. 0% p.a. for 13 months $59 p.a. 21.99% p.a. Apply
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The Low Rate Credit Card from American Express
The Low Rate Credit Card from American Express
A uniquely designed card that offers a balance transfer offer and a competitive low rate on purchases.. 11.99% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $65 p.a. Apply
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ANZ Platinum Credit Card
ANZ Platinum Credit Card
Take advantage of this offer from ANZ with a low rate on balances transferred and a low annual fee offer. 19.74% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) 21.49% p.a. Apply
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HSBC Credit Card
HSBC Credit Card
A no annual fee for the life of the credit card offer. Plus a low balance transfer offer. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% p.a. Apply
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Coles No Annual Fee MasterCard
Coles No Annual Fee MasterCard
No annual fee ever and up to 62 interest free days. Earn 0.50 flybuys point per $1 you spend. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 17.99% p.a. Apply
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HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
20,000 Bonus Qantas Frequent Flyer points offer when you apply by 31 August 2014 Earn 1.00 points per $1 spent on eligible purchases. 19.99% p.a. 0% p.a. for 6 months $199 p.a. 21.99% p.a. Apply
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American Express Qantas Discovery Card
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with 1.00 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. Apply
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ANZ Rewards Credit Card
ANZ Rewards Credit Card
Get 50,000 bonus Rewards points on your first eligible purchase. Earn rewards 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) (which includes a $34 annual account Fee and a $55 Rewards Program services fee) 20.99% p.a. Apply
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Commonwealth Bank Low Rate Credit Card
Commonwealth Bank Low Rate Credit Card
Get up to 10 months at 0% p.a. on purchases with a low ongoing purchase rate. 0% p.a. for 10 months (reverts to 13.49% p.a.)* 5.99% p.a. for 5 months $78 p.a. ($48 for qualifying customers) 21.24% p.a. Apply
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Citibank ReadyCredit - 0 for 6 Balance Transfer
Citibank ReadyCredit - 0 for 6 Balance Transfer
Exclusive to Credit Card Finder A short term balance transfer offer and no annual fee ever. 19.49% p.a. 0% p.a. for 6 months $0 p.a. 19.49% p.a. Apply
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Commonwealth Bank Low Fee Credit Card
Commonwealth Bank Low Fee Credit Card
A credit card with a low interest rate. You could get up to 10 months at 0% p.a. interest on purchases. when you apply by 15 September 2014. 0% p.a. for 10 months (reverts to 19.74% p.a.) 5.99% p.a. for 5 months $24 p.a. ($0 for qualifying customers) 21.24% p.a. Apply
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American Express Platinum Rewards Credit Card
American Express Platinum Rewards Credit Card
No annual fee for the first year, a balance transfer offer and up to 55 days interest free. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($80 p.a. thereafter) Apply
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Commonwealth Bank Gold Awards Credit Card
Commonwealth Bank Gold Awards Credit Card
A low interest rate offer on balance transfer and purchases. Complimentary comprehensive travel insurance, 90 day purchase security cover and extended warranty on purchases. 0% p.a. for 10 months (reverts to 20.24% p.a.) 5.99% p.a. for 5 months $144 p.a. ($114 for qualifying customers) 21.24% p.a. Apply
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28 Degrees MasterCard
28 Degrees MasterCard
No annual fee card, great for online and international purchases. Avoid paying international transaction fees. 20.99% p.a. 4.99% p.a. for 6 months $0 p.a. 20.99% p.a. Apply
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American Express Velocity Escape Card
American Express Velocity Escape Card
A no annual fee credit card attached to the Velocity Frequent Flyer program. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Apply
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Citibank Qantas Signature Credit Card
Citibank Qantas Signature Credit Card
50,000 Bonus Qantas Points offer when you apply by 31 July 2014 20.99% p.a. 0% p.a. for 6 months $299 p.a. 21.74% p.a. Apply
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Citibank Clear Platinum Card
Citibank Clear Platinum Card
A long term balance transfer offer and a reduced annual fee for the first year. Also included are complimentary insurances and access to Citibank Dining Program. 12.99% p.a. 0% p.a. for 12 months $49 p.a. annual fee for the first year ($99 p.a. thereafter) 21.74% p.a. Apply
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bankmecu Visa credit card
bankmecu Visa credit card
Take advantage of this card from bankmecu that offers no annual fee and 55 days interest free. 13.14% p.a. $0 p.a. 13.14% p.a. Apply
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American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
Receive up to 50,000 extra Qantas Points. Plus earn 1.00 points per $1 spend. Also offering a low interest rate of 0.99% p.a. for 6 months on balance transfers. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $450 p.a. Apply
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bankmecu Low Rate Visa credit card
bankmecu Low Rate Visa credit card
Enjoy a competitively low rate and low annual fee from bankmecu. 10.14% p.a. $59 p.a. 10.14% p.a. Apply
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Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
An introductory offer on balance transfers, plus earn 1.00 Velocity Point per $1 spent up to $1,500 per month, then 0.50 Velocity Point for every $1. 20.74% p.a. 0% p.a. for 14 months $129 p.a. 20.99% p.a. Apply
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Citibank Rewards Credit Card - Signature
Citibank Rewards Credit Card - Signature
Get 60,000 bonus points on your first eligible purchase and get free wine every time you dine with the Citibank Dining Program. 20.99% p.a. 2.9% p.a. for 6 months with 1% balance transfer fee $299 p.a. 21.74% p.a. Apply
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ANZ First Visa Credit Card
ANZ First Visa Credit Card
A basic credit card with a low annual fee and long term balance transfer to consolidate your debts. 19.74% p.a. 0% p.a. for 16 months $30 p.a. 21.49% p.a. Apply
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Bank of Melbourne Vertigo Visa Credit Card
Bank of Melbourne Vertigo Visa Credit Card
Benefit from a low interest rate on your everyday purchases combined with a low balance transfer deal. 13.24% p.a. 0% p.a. for 14 months $55 p.a. 21.49% p.a. Apply
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Citibank Clear Platinum Card
Citibank Clear Platinum Card
A rare Platinum credit card with a low balance transfer and low annual fee offer. 0% p.a. for 6 months (reverts to 12.99% p.a.) 0% p.a. for 6 months $49 p.a. annual fee for the first year ($99 p.a. thereafter) 0% p.a. for 6 months (reverts to 21.74% p.a.) Apply
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Citibank Rewards Credit Card - Platinum Card
Citibank Rewards Credit Card - Platinum Card
An introductory rate on balance transfers that reverts to the low on-going purchase rate at the end of the balance transfer period. 20.99% p.a. 0% p.a. for 24 months with 3% balance transfer fee $199 p.a. 21.74% p.a. Apply
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American Express Qantas Premium Card
American Express Qantas Premium Card
Receive up to 30,000 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 $249 p.a. Apply
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Citibank ReadyCredit
Citibank ReadyCredit
Long term balance transfer offer with no annual fee. 19.49% p.a. 5.9% p.a. for 24 months $0 p.a. 19.49% p.a. Apply
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American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
Receive a complimentary flight per year and travel insurance. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $195 p.a. Apply
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Citibank Ready Credit - Fixed Payment Option
Citibank Ready Credit - Fixed Payment Option
A special introductory Fixed Payment Option from 8.99% p.a. rate for 48 months, plus no annual fee. 8.99% p.a. for 48 months (reverts to 19.49% p.a.) $0 p.a. Apply
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Virgin Australia Velocity High Flyer Card
Virgin Australia Velocity High Flyer Card
Earn uncapped 1.25 Velocity Points per $1 spent, Plus a low balance transfer offer. 20.74% p.a. 1.9% p.a. for 12 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) 20.99% p.a. Apply
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ANZ Frequent Flyer Platinum American Express/Visa
ANZ Frequent Flyer Platinum American Express/Visa
An excellent dual credit card offer with an AMEX for greater points earning and VISA for global acceptance. Get 50,000 bonus Qantas Points once you spend $1500 on eligible purchases within 3 months. 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) (which includes a $240 annual account fee and a $55 Rewards Program services fee) 21.49% p.a. Apply
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American Express Gold Business Card
American Express Gold Business Card
Keep track of your business expenses with a dedicated business credit card. Your account details can be uploaded in to MYOB, Excel or Quicken to help with BAS reporting. Plus earn 1.00 reward point per $1 spend $169 p.a. Apply
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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 versus 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.

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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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  • Credit cards with Personal Liability Cover

    Personal liability coverage is something that each person should look into having, and signing up for a credit card that offers complimentary coverage can help to save you money on outside policies as well as help keep you covered in the event that you are required to use your insurance benefits.

  • Credit cards with overseas medical emergency expenses cover

    Having a credit card that provides coverage for overseas emergency medical expenses can be beneficial, especially if you are a frequent traveler. You can save on any medical costs that may occur from emergencies whilst travelling abroad, and not have to pay out of your pocket for these expenses. Ensure that you are comparing your options and know the ins and outs of the coverage options from your credit card provider.

  • International Credit Cards

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10 Responses to Compare Credit Cards

  1. 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

  2. Default Gravatar
    Bill | January 8, 2014

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

  3. Default Gravatar
    Pat | April 11, 2013

    Looking for new credit card.
    Card always paid off by due date so interest rate not a big issue, neither is balance transfers.
    I do not like paying annual fees/plus extra for additional cards. I do like reward programmes but I guess if it means big annual fees I would be best forgoing these.
    HBSC card sound good, but do you compare Credit union also? They seem pretty good to me. So many out there and find it hard to compare all.

    • Staff
      Jacob | April 11, 2013

      Hi Pat. Thanks for your question. Yes, there are a number of cards on the market, but with the information you’ve supplied, we may be able to help you in your comparison. So, Credit Union Credit Cards can be compared here. Generally speaking, you’ll be hard pressed to find a frequent flyer credit card or rewards credit card that does not charge an annual fee, but there are cards out there that fit this description – see our frequent flyer comparison table for more information. Nearly all of the cards listed will allow you to add an additional cardholder to the account, however, some will charge an additional fee for this. You can find information about supplementary credit cards in the fees and charges table at the bottom of each card’s review and application page. Hope this helps – let us know if you need more information. Jacob.

  4. Default Gravatar
    desiree | April 2, 2013

    Where do I find the fees and charges pertaining to a cc bal transfer please?
    Have checked the ANZ links but the print doesn’t seem to be ‘finer’ enough.
    Basically what cost is involved in transferring.
    Cheers

    • Staff
      Jacob | April 3, 2013

      Hi Desiree. Thanks for your question. Currently, ANZ does not charge a fee for processing a balance transfer. When you transfer a balance and don’t spend on the card, the only cost will be the card’s annual fee (if applicable) and the promotional balance transfer rate of interest. Jacob.

  5. Default Gravatar
    Paul | April 1, 2013

    I am heading overseas soon & am looking to take an extra credit card, with no fee for overseas transactions & no annual fee. I was thinking 28 degrees credit card? Is there a better one?

    • Staff
      Jacob | April 2, 2013

      Hi Paul. Thanks for your question.There are a number of credit cards on the market that are marketed as ‘travel friendly’, please refer to our travel credit card comparison pages to find out more information on the card that will suit your overseas spending. Jacob.

Credit Cards Comparison

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Westpac 55 Day Platinum Card
Westpac 55 Day Platinum Card
Exclusive Offer to Credit Card Finder. 0% p.a. for 12 months on Purchases
$0 annual fee with platinum benefits including a platinum concierge service, overseas travel insurance, extended warranty cover and purchase security cover.
0% p.a. for 12 months (reverts to 19.95% p.a.) 3.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. 21.49% p.a. Apply
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ANZ Platinum Credit Card
ANZ Platinum Credit Card
No annual fee for the first year and a balance transfer offer. 19.74% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) 21.49% p.a. Apply
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Coles No Annual Fee MasterCard
Coles No Annual Fee MasterCard
Enjoy a low interest rate plus a $0 annual fee. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 17.99% p.a. Apply
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HSBC Platinum Credit Card
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. Apply
More

* 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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