Top 10 Credit Cards Compared
Australias Top Credit Card Offer for 2010
The Virgin Flyer Credit Card is our top pick as it offers 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
- 6.9% p.a. for 6 months on balance transfers
- Cash Advance Rate of 20.99%
- Minimum Income Requirement of $50,000 p.a.
- Velocity points can be redeemed for flights, car hire, accommodation gift cards and other goods
Click here to 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*
| Credit Card | Card Details | Interest Rate (p.a.) | Cash Advance Rate (p.a.) | Balance Transfer Rate (p.a.) | Annual fee | Interest free days (up to) | |
|---|---|---|---|---|---|---|---|
 Virgin Flyer Credit Card |
There is no faster way to 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% | 20.99% | 6.9% for 6 months | $99 | 44 |   |
 HSBC Credit Card |
Pay $0 annual fee for life, enjoy up to 55 days interest free and get access to discount and benefits with the Home & Away Privilege Program | 16.99% | 20.75% | 0% for 6 months | $0 | 55 | |
 St George Vertigo |
Competitive 2.99% for 6 months (reverts to 12.49%) p.a. interest rate from one of Australia’s most respected banks. | 12.49% | 21.24% | 2.99% for 6 months | $55 | 55 | |
 Citibank Clear Platinum Visa Card |
25% off selected shopping, travel & dining with ‘Citibank World Privileges’. Free International Travel Insurance. | 11.49% | 21.24% | 0% for 7 months | $99 | 55 | |
 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 | 16.95% | 20.99% | 2.9% for 6 months | $0 | 44 | |
 Suncorp Clear Options Standard Visa Card |
Suncorp Clear Options Standard VISA is a great no-frills, low cost credit card which offers a low interest rate and great balance transfer options. | 12.24% | 17.99% | 1.9% for 12 months | $39 | 0 | |
 Suncorp Clear Options Platinum |
Suncorp Clear Options Platinum VISA features a special 3.9% p.a for life balance transfer rate and complimentary Personalised Rewards Program | 19.99% | 19.99% | 3.9% for life | $205 | 55 | |
 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 | 13.24% | 21.24% | 1.99% for 9 months | $45 | 55 | |
 Woolworths Everyday Money |
Apply by June 30 2010 and receive 0% p.a on purchases & balance transfers until 1st October 2010. | 19.49% | 20.99% | 0% for 6 months | $0 for the first year ($49 per year after that) | 55 | |
 Citibank Gold Card |
A great addition to any business with 1.9% p.a for 9 months on balance transfers, generous credit limits and complimentary rewards program where you earn 1 reward points for every $1 you spend on your card. | 20.74% | 21.24% | 1.9% for 12 months | $149 | 55 | |
 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. | 18.49% | 20.49% | 0.99% for 6 months | $79 | 55 | |
 Citibank Emirates Platinum Card |
A very generous travel rewards card. Earn 1.5 Skywards Miles per $1 spend plus a host of complimentary benefits and services. | 20.74% | 20.74% | 1.9% for 12 months | $229 | 55 | |
 ANZ Frequent Flyer – Balance Transfer Option |
Reach your desired destination sooner by earning 1 point per $1 spent on your AMEX and 1 points per $2 spent on your Visa | 19.49% | 20.74% | 2.9% for 12 months | $95 | 44 | |
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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