Top 10 Credit Cards Compared

Featured Credit Card Offer for 2011

The Virgin Flyer Credit Card offers a great offer on purchases, balance transfers and a very generous frequent flyer rewards point earn rate plus unique flight benefits including 2 for 1 Flights and a Free Flight on your First Spend.

• $99 annual fee
• 20.99% p.a. on purchases
• 1.9% p.a. for 9 months on balance transfers
• Cash Advance Rate of 20.99% p.a.
• 44 days interest free
• Minimum Income Requirement of $35,000 p.a.
• Velocity points can be redeemed for flights, car hire, accommodation gift cards and other goods

Read the Virgin Flyer Credit Card terms and conditions.

The comparison table on this page features Australia's top credit cards as chosen by Credit Card Finder^®.

They are rated by their annual fee, interest rates, rewards programs and bank reputation.

Top 10 Credit Card Comparison*

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Virgin Flyer Credit Card	Earn Velocity points than with 1 Velocity point for every $1 you spend on your Virgin Flyer Credit Card for the first $1500 per month followed by 1 point per $2 spent thereafter.	20.99%	1.9% for 9 months	$99	20.99%
	Citibank Clear Platinum Card	25% off selected shopping, travel & dining with 'Citibank World Privileges'. Free International Travel Insurance.	11.99%	2.9% for 12 months	$99	21.74%
	Bankwest Breeze MasterCard	A no-frills credit card offer from Bankwest with a great balance transfer offer and a low interest rate on purchases.	10.99%	4.99% for 12 months	$69	21.99%
	St George Vertigo	Competitive low interest rate for balance transfers and purchases from one of Australia's most respected banks.	13.24%	0.99% for 12 months	$55	21.49%
	Virgin No Annual Fee Credit Card	With no annual fee ever, great colours, low rates and awesome features look no further than the Virgin No Annual Fee Credit Card	18.99%	2.9% for 6 months	$0	20.99%
	Westpac Low Rate Card	A simple no frills credit card featuring a low ongoing rate on purchases, a low balance transfer offer for the first 6 months and a low annual fee	0% for 6 months (reverts to 13.49% )	0% for 6 months	$45	21.49%
	St.George Amplify	A rewards card that gives you choice on how you want to be rewarded. Choose between Amplify Rewards or Amplify Qantas rewards programs.	18.74%	0.99% for 6 months	$79	20.74%
	ANZ Frequent Flyer	Reach your desired destination sooner by earning 1 point per $1 spent on your AMEX and 1 points per $2 spent on your Visa	19.74%		$95	20.99%

What is the difference between the 'Top' and 'Best' Credit Cards?

This page is titled the 'top credit cards'. Credit Card Finder^® also features a 'best credit cards' page.

The difference is, this page sorts some of the top offers in Australia for easy and quick comparison. The best credit card page analyses the primary and most popular credit card types on the market, and a winner or 'best' card in each card type is given.

If you're after the best card in each category, view our best credit card comparison.

* 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. '˜Best and '˜Top' are ratings which are subject to our consideration and is not rated against all Australian credit cards. We recommend you take this information into account when comparing credit cards. Find out more about factors and influences are taken into account when rating credit cards here.

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Popular Credit Card Offers

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Citibank Clear Platinum Card	Competitive interest rate on purchases and balance transfers offer.	11.99%	2.9% for 12 months	$99	21.74%
	St George Vertigo	Take advantage of this great offer from St.George with a low rate on purchases and a low balance transfer offer.	13.24%	0.99% for 12 months	$55	21.49%
	ANZ Platinum Credit Card	An introductory interest rate offer on balance transfers and purchases, plus a $0 first year annual fee.	0% for 6 months (reverts to 19.24% )	0% for 6 months	$0 annual fee for the first year( $87 thereafter)	20.99%
	American Express Qantas Discovery Card	Earn Qantas Frequent Flyer points, plus take advantage of the no annual fee offer.	20.74%		$0	20.74%