Travel Rewards Credit Cards

Here’s what everybody ought to know about earning and redeeming reward points when using travel rewards credit cards.

Travel rewards credit cards are not very different from frequent flyer credit cards, and there are instances when people use these terms interchangeably. Travel rewards cards allow cardholders to earn and redeem points for travel rewards. The different ways you can accumulate and use your points will depend on which card you’re using and the rewards program it’s linked with. Extra features like complimentary travel insurance covers and access to a concierge service could also be on offer when using a travel card. A rewards card is only of value if the rewards and benefits offset the cost of the card, so you’ll need to compare your options to find the right one for you.

ANZ Rewards Platinum - Rewards Offer

Travel Rewards Credit Card

The ANZ Rewards Platinum credit card account offers up to 3 Reward Points for every $1 of eligible purchases with no limit on the number of points earned.

  • New accounts get 50,000 Reward Points after your first eligible purchase when you apply by
  • $149 p.a. annual fee
  • Earn up to 3 Reward Points for every $1 spent on everyday purchases using the ANZ Rewards American Express card® and 1.5 Reward Points per $1 spent on everyday purchases using the ANZ Rewards Visa card.

    Travel rewards credit card comparison

    Rates last updated September 2nd, 2015
    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 $5,000 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
    0% p.a. for 12 months (reverts to 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 $5,000 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.
    12.99% 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 25,000 Qantas Points after you spend $2,500 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 50,000 bonus Qantas Points when you meet the spend requirement, for months on balance transfers and annual fee for the first year.
    20.99% p.a. $299 p.a. 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
    Earn up to 3.00 reward points per dollar spent, plus enjoy up to 55 interest free days on purchases.
    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 25,000 Reward Points after you spend $2,500 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 October 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
    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
    Receive 75,000 bonus Qantas Points, earn 1.50 Qantas Points per dollar spent with up to 55 days interest-free on purchases.
    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
    Bankwest More 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
    American Express Platinum Card
    Receive 100,000 Membership Rewards Bonus Points when you spend $1,000 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
    BoQ Blue Visa Credit Card
    Earn 1.000 points per dollar spent with Q Rewards program.
    20.74% p.a. 0% p.a. for 9 months $0 p.a. annual fee for the first year ($60 p.a. thereafter) VISA/MC: 1 AMEX: 0 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 and 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

    Table of contents: Guide to travel rewards credit cards


    How can I earn points with a travel rewards credit card?

    Just how you earn reward points depends on where you use your card, and bear in mind that cash advances and balance transfers don’t earn reward points. When it comes to earning points, here’s how:

    • Use your card for everyday spending. You would stand to earn reward points every time you make an eligible purchase, and by using your card to pay your everyday purchases, you can earn reward points on a regular basis. Bear in mind, though, that you should aim to pay the account’s closing balance in full each month, failing which you could end up paying a fair amount as interest.
    • Shop with credit card loyalty partners. Most rewards credit cards give you a list of loyalty partners, shopping through whom gives you the ability to earn bonus points.
    • Introductory bonus points. A number of rewards credit cards offer bonus reward points to new cardholders, though sometimes you’ll need to spend a certain amount within a set period to claim them.

    What are my points worth?

    The reward points you will earn will depend on the card you use, with most regular rewards card offering one reward point for every dollar spent. While knowing how many points you earn per dollar spent is important, it’s also important that you translate them into dollar value.

    Consider this: If you take a return flight with Qantas from Melbourne to London you stand to earn around 21,000 frequent flyer points. On the other hand, if you spend an average of $400 per month using your card, it would take you around four and a half years to earn as many points.

    Taking the same example further, to upgrade from Economy to Premium Economy you would need 24,000 points, and you would take up to five years to earn these many points by spending around $400 per month. Upgrading to Business would require 60,000 points, and you can guess how long that would take.

    You should watch out for hidden costs in the form of surcharges, fees, and taxes, which can vary from one airport to the next. If you don’t use your points for a while, they might not be worth as much down the line, so it makes sense to redeem them periodically. Some reward programs come with expiry of reward points, so if you don’t use your points within a given time frame you stand to lose them completely.


    How can I check how many points I have?

    You can keep a track on the reward points you earn and redeem through your reward program’s website and over the phone, and you should be able to view your points balance on your credit card statements as well. Some reward programs come with apps for smartphones, making it easy to monitor your account on the go.


    How can I redeem my points?

    Credit card providers that offer travel rewards cards tend to give cardholders the ability to redeem their accumulated points online, through the rewards program’s website. These websites give you a clear indication of all the rewards currently on offer, and just how many points you need to get them. If you like a reward you see, you redeem your points and get it online. You would also have the option redeem your reward points for any given reward over the phone. Some reward programs give you the ability to claim rewards using a combination of points and cash.


    What can I redeem my points for?

    This will vary according to the card you’re using, but here are some of the standard rewards you can expect from most travel rewards cards:

    • Travel costs. You can use your reward points to book flight tickets, and you can also use them for flight upgrades. Some rewards cards allow you to transfer your points to your frequent flyer program account.
    • Holidays. You can redeem your points for holidays, which could include airfare, accommodation, and meals.
    • Merchandise. You would have the option to redeem your reward points for merchandise spread across categories like fashion, electronics, furniture, kitchen appliances, home entertainment and more.
    • Cashback. Certain rewards credit cards give you the option to use your points as cashback, where your points work in reducing your credit card’s outstanding balance.

    How can I compare travel cards?

    When you’re looking for a travel rewards credit card make sure you also take air miles credit cards and frequent flyer credit cards into account because the benefits on offer are essentially the same. Pay attention to the following aspects when you’re narrowing down on suitable options.

    Who are travel rewards cards best suited to?

    • Regular flyers. These cards work well for people who fly frequently, whether for business or pleasure. If you’re a member of a frequent flyer program, you can look for a card that allows you to transfer your reward points to your frequent flyer program account.
    • Holidaymakers and travellers. If you’re the kind of cardholder who likes to go on vacations from time to time, you can consider getting such a card to offset part of your travel costs with travel rewards.
    • Regular credit card users. If you use your credit card regularly, it makes sense to get a card that rewards your spending. Watch out for high interest rates, though, especially if you’re in the habit of keeping balances rolling over from one month to the next.

     

    Who are travel rewards cards not suited to?

    • Infrequent travellers. If you don’t travel much, you might want to consider getting a low rate no-frills card.
    • Impulse spenders. These cards tend to charge higher interest rates when compared to their no-frills counterparts, and using these cards for impulse purchases can have you paying a tidy sum in the form of interest, especially if you don’t pay your account’s closing balance in full each month.
    • Those with poor credit history. You stand little to no chance of getting a travel rewards card if you suffer from poor creditworthiness, and applying would only have affect your credit rating negatively.

     

    What should I look for when comparing travel rewards credit cards?

    Comparing travel rewards credit cards requires that you pay attention to several aspects, which include the following.

    • Partners. Rewards programs come with partners of two kinds. One kind allow you to earn bonus points when you use your card to pay for their products or services, and the other kind give you easy means to redeem your accumulated points.
    • Variety of rewards. Make sure the rewards on offer appeal to you. If you’re not a frequent traveller and the card only offers travel-related rewards, you may want to consider a program that also allows you to earn and redeem points for everyday items as well.
    • Air miles and frequent flyer schemes. Find out if a rewards program gives you the ability to earn air miles or if it allows you to transfer your points to your frequent flyer program account. Check if you’ll have to pay a joining or ongoing fee to be a part of any given frequent flyer program.
    • Bonus points and introductory incentives. Some cards offer bonus points to new cardholders, and some others give cardholders the ability to earn extra points during the initial period, so take advantage of these when you can.
    • Points per dollar. While this should give you some indication of how one card rates against another, converting points to dollar value gives you a better picture.
    • Extra benefits. Extra benefits can come in the form of complimentary insurance covers and access to a concierge service. Know that card providers make up for these added features by charging higher annual fees and higher interest rates, so establish if you’ll make use of such features at the onset.
    • Interest rate and fees. Don’t forget to compare the interest rate and the annual fee. If the cost of the card outweighs the benefits, it’s not of value.

    How do I use my travel rewards card?

    While travel rewards are a great way to receive benefits for your purchases, there are a few things you’ll need to keep in mind to ensure you’re making the most of your card:

    • Use your card often. The more you spend using your card, the more reward points you earn, so it makes sense to use your credit card as often as possible. You can use your card to pay for groceries, fuel, utility bills, phone bills, and more. However, only pay for what you can afford to pay off by the end of the month, otherwise the rewards points will pale in comparison to the added interest.
    • Loyalty matters. If you like a loyalty partner or more, it makes sense sticking with them, because you stand to earn reward points faster.
    • Honeymoon offers. Take advantage of your card’s introductory offers, because this can be a great way to earn a significant chunk of points from the get-go.
    • Additional cards. While additional cards linked to rewards cards earn points, bear in mind you remain liable for all purchases made using such cards.
    • Fly more frequently. With certain reward programs you can boost your points by flying more frequently. Buying tickets using your card could give you a significant number of points, and don’t be surprised if several short domestic trips result in more points than the points you earn for a long-haul international flight. Paying for your flight tickets using your card can also bring with it bonus points, travel perks, and a preferential interest rate.
    • Avoid cash advances and balance transfers. Both don’t earn reward points. With cash advances, you have to start paying interest from the word go, and you could have to pay additional cash advance fees. With balance transfers, if you don’t pay the transferred balance within the promotional period, you could end up paying a considerably high-interest rate later.

    What are the pros and cons of using a travel rewards credit card?

    Pros

    • Earn points as per spending. Keep paying your account’s outstanding balance in full each month, and make the most of earning points as per your spending.
    • Earn bonus points. When you use your card with your card provider’s affiliated partners, you stand to earn reward points faster.
    • Free flights. Frequent flyers can accumulate a large number of points in short spans of time by paying for their flight tickets using their rewards credit cards, and they can then redeem their points for flight tickets.
    • Complimentary travel insurance. A number of travel rewards credit cards come with complimentary travel insurance covers. Even if you have to pay an annual fee, buying these insurance covers separately would cost more.

    Cons

    • High-interest rate and fees. You can expect a travel rewards card to charge a high interest rate on purchases, which can be a problem if you don’t pay the outstanding balance in full every month. The annual fee would also be on the higher side.
    • Limitations. Most rewards travel cards pose restrictions on how you can earn points and what you can redeem them for. Pay close attention and work out whether it will benefit you before you sign up.
    • Points cap or expiry. If your points become capped or expire at a certain point, this can significantly limit your points earning ability. Read over the terms and conditions of your rewards program to confirm these details.

    Whether or not you can benefit by using a travel rewards credit card will depend on a number of factors including your ability to pay your account’s balance in full each month, the annual fee it charges, and specifics linked to its rewards program.

    If you feel you can make the most of such a card, take some time to establish just what you’re after, and since there are a number of such cards on offer in Australia, compare as many as possible before making a decision.


    Frequently asked questions

    If I use my travel rewards card overseas would I have to pay overseas transaction fees?

    Most Australian credit cards, when used overseas, charge cardholders overseas transaction fees, which can be a fixed amount or a percentage of the transaction amount.

    How easy is it to transfer my credit card’s reward points to my frequent flyer program account?

    You have to first check if this is possible with your credit card provider, and if it is, your card provider would tell you just what to do. The process should be easy and should not take long to complete.

    What is cashback?

    In reference to reward points, cashback refers to redeeming points to reduce your credit card’s outstanding balance. Some credit cards allow you to redeem points for cashback only to pay the card’s annual fees.

    Now you know everything there is to know about Travel Rewards Credit Cards!

    Go back to the top of this page, and start a comparison!

    Was this content helpful to you? No  Yes
    Back to top

    Read more on this topic

    • Page 1 of 2
    • 1
    • 2

    Ask a Question

    You are about to post a question on finder.com.au

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com.au is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
    Rates and fees mentioned in comments are correct at the time of publication.
    By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

    2 Responses to Travel Rewards Credit Cards

    1. Default Gravatar
      john | November 6, 2014

      hi. i want to travel overseas with a card with no foreign currency fees
      which one has that

      • Staff
        Elizabeth | November 6, 2014

        Hi John,

        Thanks for your question.

        You can compare a range of these cards on this page.

        I hope this has helped.

        Thanks,

        Elizabeth

    Credit Cards Comparison

    Rates last updated September 2nd, 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
    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 Platinum benefits 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
    Citi Rewards Credit Card - Platinum Card
    Consolidate your debt with a low balance transfer of 0% p.a. for 24 months and a long purchase rate offer plus a host of platinum privileges. Earn up to 1.25 Citibank Reward points for every $1 spend.
    20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. 21.74% p.a. Go to site More info
    Bank of Melbourne Vertigo Visa Credit Card
    One of the lowest rate balance transfer deals combined with a low on-going purchase rate.
    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

    * 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.

    Ask a question
    feedback