Credit Card Comparison

Top Australian Credit Cards* Compared. Apply now and save!

This guide will aim to provide you with all you need to know to do an online credit card comparison. When it comes to the task of comparing credit cards, it is really important that you do your research first and go through a process of elimination to find the right credit card for you. We have created a top credit cards* chart for each major card type, which will help you benchmark each offer against other top rating credit cards* available in the market.

Table of Contents: Guide to Credit Card Comparison

St.George Vertigo Visa

Credit Card Comparison: How does your credit card compare?

If you do your comparison, you will find the St.George Vertigo Credit Card to be one of the most competitive credit card offers currently available. It offers a low interest rate on purchases, and a competitive balance transfer offer.

  • $55 p.a. annual fee
  • 1% p.a. for 12 months (reverts to 13.24% p.a.) on purchases
  • 0% p.a. for 18 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free

Top Credit Cards* Comparison

A recent survey revealed that approximately 50% of Australians applied to their own bank for a new credit card, without checking any of the other offers available on the market and only 6% claimed to have done a credit card comparison. Australia is ahead of many countries in terms of available financial products but these figures are worrying because it shows a lack of understanding, which gets people in hot water when they rack up debt with huge interest costs simply because they didn’t shop around for better deals. There is a lot of value to be had by checking around to see what offers are available on the market as well as providing you with the essential factors that should form the basis of your comparison.

Many people don’t realise that new credit card offers come onto the market regularly and, as a result, they are still using their old credit cards that might have a significantly higher interest rate. Therefore, even if you aren’t necessarily on the market for a new card, you should still regularly do a credit card comparison. Australia has many providers competing for your business, so you should take advantage of this and make sure you stay current with all the offers on the market. The more information you have, the more money you will be able to save in the long term in interest costs and fees by switching to a better card.

Balance Transfer Credit Card Comparison

Rates last updated September 29th, 2016
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% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 18 months to help you manage your existing credit card balance with a reduced annual fee in the first year.
0% p.a. for 18 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
0% p.a. for 16 months 1% p.a. for 12 months (reverts to 19.84% p.a.) $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $149 p.a. Go to site More info
Westpac Low Rate Card
A no frills credit card with an introductory rate of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.49% p.a.) $59 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
0% p.a. for 20 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months with a one off 2% balance transfer fee 0% p.a. for 15 months (reverts to 13.99% p.a.) $59 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0% p.a. for 12 months 0% p.a. for 3 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a long term balance transfer plus a $100 cashback offer (spend criteria applies) and never pay an annual fee for this card.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months with a one off 2% balance transfer fee 0% p.a. for 15 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info

As with any credit card, before you sign up for a balance transfer you need to make sure that you do your research properly and conduct a credit card comparison. Australia has a lot of lenders that would be happy to gain you as a client which is why there are so many attractive balance transfer offers. After all, they don’t do anything for nothing and their ultimate goal in offering you such a great deal is to lure you away from the competition.

When comparing balance transfer credit cards, there are a few important factors you need to look at. One is, obviously, the interest rate you will be charged for the balance transfer. You will often find that the lower the rate, the less time you have to pay off your balance transfer before it reverts to the regular rate.

Next, you should compare how long the promotional interest rate is valid for. This factor can often be more important than the interest rate because if you can’t pay off your balance transfer in 6 months at 0% interest rate, for example, it will revert to the purchase rate so you wouldn’t have achieved anything. In this case, you are probably better off choosing a longer term offer, even if the interest is slightly higher.

Also make sure to check all the fees because some cards come with high fees and if you only have a small amount of outstanding debt, you might end up spending your savings from interest costs on the annual fee of the card.

Rewards Credit Card Comparison

Rates last updated September 29th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
ANZ Rewards Platinum
Earn points for every dollar spent on purchases plus a 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
2 1 50,000 bonus points $95 p.a. Go to site More info
Citi Qantas Signature Credit Card
Receive a 15% discount to help you get fast-tracked through immigration at over 280 international airports and access to Citibank World Privileges.
0 1 70,000 bonus points $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 18 months
0 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
0 1 $149 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
0 1 60,000 bonus points $199 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards bonus points when you meet the minimum spend requirement and a complimentary Virgin Australia flight each year. Enjoy a low balance transfer offer of 0% p.a. for 12 months.

1 0 10,000 bonus points $195 p.a. Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 100,000 bonus points $395 p.a. 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 0.66 $129 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
1 0 50,000 bonus points $349 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
1 $0 p.a. Go to site More info

If your goal is to benefit from a rewards programme, one thing you need to make sure is that you aren’t using your card simply to gain more points so you can get that “free” gift they are offering you. As we’ve stated before, lenders don’t do anything for nothing, so you had better believe that their rewards program is merely an enticement to get you to use your card more and, hopefully, be unable to pay off the full amount during the grace period. Remember that a bank’s revenue comes from interest and fees, so the more interest you pay, the happier they are.

However, if you are still interested in a rewards credit card comparison, Australia, you will find, has an extensive selection. Before you jump in feet first, here are some factors to consider beforehand. First of all, you need to know exactly how you can earn points, how many you can earn, the value of a point and what can you get in exchange for them. Additionally, make sure to find out if there is cap, meaning that you are restricted from over a certain number of points for a certain period of time.

No Annual Fee Credit Card Comparison

Rates last updated September 29th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive $200 back when you spend $500 in the first 3 months. Also enjoy a $0 annual fee for the first year.
19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with $0 annual fee for the life of the card.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 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% p.a. for 18 months with 2% balance transfer fee. Spend criteria applies for cashback offer.
18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. Go to site More info
Coles No Annual Fee MasterCard
Earn 10,000 bonus points, 1 flybuys point per $2 spent and enjoy no annual fee for the life of the card.
19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Enjoy platinum benefits offering complimentary insurances, 24/7 concierge, balance transfer offer of 0% p.a. for 16 months, purchase rate offer of 1% p.a. for 12 months with $0 annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 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
American Express Qantas Discovery Card
Earn up to 7,500 bonus Qantas Frequent Flyer points, plus take advantage of no annual fee for the life of the card. Earn 1 Qantas Frequent Flyer point per $1 spend.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info

While many lenders will tout their offer as being the *best, you need to understand that many lenders integrate into another pricing structure, so that you will still be paying the same fee but probably won’t realise it. This is why you need to pay special attention when doing your no annual fee credit card comparison. Australia has a wide range of offers when it comes to no annual fee credit cards, which is why you should do your due diligence properly.

You want to find out things like the length of the grace period for purchases. You should also compare interest rates on purchases and cash advances across the board. After all, your goal is to get the most competitive rates so you can keep your interest costs to a minimum.

Low Interest Credit Card Comparison

Rates last updated September 29th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
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.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. Up to 55 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
Newcastle Permanent Value+ Credit Card
Enjoy a competitive annual fee and interest rates on purchases, cash advances, and balance transfers.
11.49% p.a. $49 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Up to 44 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Save on your existing credit card interest with 0% for 18 months on balance transfers with a low annual fee and low ongoing purchase rate.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
A low rate credit card with 0% for 18 months on balance transfers and low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% for 20 months on balance transfers and 1% for 12 months if you apply by 29 September 2016.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info

When you conduct a low interest credit card comparison, there are a few factors you should consider, including the obvious rate and annual fees. First of all, you should employ a healthy dose of scepticism when you do your credit card comparison. Australia has many lenders and none of them are in the game to lose money. This means that you need to triple check everything to ensure you won’t have a nasty surprise that the low interest you are being offered is only valid for a few months, as an introductory bonus.

You also need to make sure you read all the fine print and ensure that there are no hidden costs. If you travel, you also want to make sure you can use the card abroad and what the fees are on foreign transactions.

There is no doubt that, if you want to save money in interest costs, you need analyse the aforementioned factors on a regular basis and make sure to conduct a credit card comparison. Australia has a wide selection of offers when it comes to credit cards, which means stiff competition and better deals for you, as long as you are aware of them and can take advantage.

The two types of credit card users:

People who know how to manage credit cards use them as a smoothing tool throughout the year. They pay off their card in full each month and never risk the costly side effects of paying interest rates. The tool helps them to acquire new products and services while they can save up the money during the time span given between expenditure and payment of the bill.

Others yet fall prey to the vicious cycle of spending and debt – they fail to even make the minimum monthly payments on their credit card bill and end up with massive debt that accumulates every time they use their card.

Is it actually possible to live without credit cards in this day and age?

This is a good question! If you look at it from a consumer angle then the answer to this question is probably no. On the other hand, you can live without a credit card – but to be honest, it is damn hard because more and more companies basically pressure you to pay your utility bills with a card or with the help of online banking.

Fail to abide by their demands and they whack you with an expensive surcharge because you still use ‘antiquated’ payment methods such as using a telephone or a branch. So while it is possible to live without a credit card, it is inconvenient and complicated in many circumstances, let alone dangerous because you might carry large amounts of cash around.

Types of credit cards:

Choosing form the vast pool of credit cards feels often like trying to find a needle in a haystack. These days there are so many credit card providers who try to wrestle for your attention it is hard to make an informed choice on a card without doing some research first.

To help you understand each card’s meaning, let’s take a look at the following overview of what are generally considered to be credit cards:

Credit cards: Credit cards are cards that lend you money to the amount of a set maximum credit. You are required to repay the money lent each month in full, otherwise you are legally bound to pay fees and penalties such as interest rates.

These cards also vary with many features given by lenders. You can choose between a no annual fee credit card, a low fee credit card, a rewards program credit card, a premium credit card, a balance transfer card and others yet.

Important Note: If you plan on using your credit card primarily as lending tool and not pay off your debt in full each month, then you should know that if your credit card repayment is below 5 per cent of the owed balance, it’ll be a massive 25 years before you actually pay off your card in full!

Affinity Cards: Affinity credit cards are cards offered by lenders in conjunction with a non-financial group. These groups could be airlines, or non-for profit organisation giving you special points such as Frequent Flyer points or vouchers and gifts.

Store Cards: Many Australian department stores offer consumers their own branded credit cards these days. Some of them might give you special offers or extended guarantees. A typical example is the buy now – pay later offers given by many stores.

You should however be very mindful of these cards because they often attract much higher interest rates than ‘traditional’ credit cards.

Charge Cards: A charge card has to be paid off in full each month. These cards usually have higher credit limits and are attractive for consumers who are budget-wise. Not paying these type of cards in full will be costly.

Typical charge card providers here in Australia are Diners Club and American Express

Debit Cards: Debit cards are probably used by pretty much every Australian old enough to have a savings account. Opposed to a credit card where you lend the money before paying it back, a debit card draws your own money from a checking or savings account.

The new ANZ Everyday VISA Debit Card is a great debit card for the young and the young at heart.

How to choose the right card:

Choosing the right card depends entirely on your financial needs. Generally you fall under two types of card users:

  1. The person intending to pay off the card balance each month,
  2. and the person not intending to do so.

What card to choose if you want to pay off the balance each month: If you fall under this category then you probably use your card as a convenience tool. The right type of card for you in that instance is one with an interest-free period such as a 55 days interest-free period.

Your money will accumulate interest as it sits in your account helping you to make money twice (by saving credit card interest) and (by earning interest accrued on all your savings).

What card is an option when you don’t want to pay off the balance of your card each month: If you bank on using the card without repaying all of your debt, then do not choose an interest-free card.

Instead you need to look for low-interest rate cards, or if your debt is already considerably high, a personal loan or balance card.

The cost of credit cards:

Every type of credit card comes with its own set of fees and charges. A smart good way to manage any credit card is to be mindful of the extra costs and avoid them wherever possible.

Late payment fees, high interest, high annual card fees, over-the-limit fees, cash advance fees are only a few charges to be mindful off. Read the terms and conditions and familiarise yourself with hidden card costs to avoid paying through the roof for a credit card.

How to apply for a credit card:

Getting a credit card is as easy as filling out an online form, visiting your bank branch or making a mailed application. These days you can apply for a credit card within minutes, during your lunch break.

The problem starts if you current credit rating is damaged or non-existent. You can check with Baycorp Advantage to find out about your current credit rating. It is advised that any Australian old enough to hold credit of some form should check their credit file at least once a year.

The credit file will tell you where you stand with lenders in regards to financial prowess and if you frequently get credit card applications refused, you need to find steps to fix your bad credit rating.

This page lists the available credit cards from merchants VISA and MasterCard. Use this list to perform a credit card comparison, finding the right credit card for you.

Choose a credit card from the lists below that suits your needs and begin saving money with your choice between credit cards that have lower interest rates, better rewards and balance transfer offers.

MasterCard Credit Cards Comparison

Rates last updated September 29th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ME Bank frank Credit Card
A low rate credit card that doesn't charge an annual fee.
11.99% p.a. $0 p.a. Go to site More info
ANZ Low Rate
Save with low interest rate on purchases and balance transfer offer.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Go to site More info
28 Degrees Platinum MasterCard
No annual fee to pay ever and up to 55 days interest-free on purchases.
21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Go to site More info
Emirates Citi World MasterCard
Enjoy up to 10% off Emirates flights on your first spend when you book before 31 December 2016. Also pay a reduced 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) Go to site More info
Commonwealth Bank Business Platinum Awards credit card
Earn up to 3 Awards points per dollar spent, enjoy complimentary insurances and $0 annual fee for the first year.
20.74% p.a. $0 p.a. annual fee for the first year ($300 p.a. thereafter) Go to site More info

Visa Credit Cards Comparison

Rates last updated September 29th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 70,000 bonus Qantas Points on eligible spend, plus enjoy a 0% p.a. for 6 months offer on balance transfers.
20.99% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive $200 back when you spend $500 in the first 3 months. Also enjoy a $0 annual fee for the first year.
19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offering 0% p.a. interest rate on balance transfers for 18 months. Earn bonus Velocity Points in the first 3 months.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Go to site More info
NAB Low Fee Card
Enjoy a low annual fee plus a low introductory offer of 0% p.a. for 15 months on purchases and balance transfers.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Go to site More info
Virgin No Annual Fee Credit Card
$0 annual fee credit card with $100 cashback and a long term low rate balance transfer offer of 0% p.a. for 18 months with 2% balance transfer fee. Spend criteria applies for cashback offer.
18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
More info
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149
More info
ANZ First Visa Credit Card - Exclusive Offer
ANZ First Visa Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

30
More info
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Credit Cards Comparison

Rates last updated September 29th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) 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.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 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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