Visa Credit Cards

Listed on this page is a database of Australian credit cards which come with Visa as a third party payment processor.

There are few differences between MasterCard and Visa. They are the two most popular credit card payment processors, and anywhere MasterCard is accepted, so will Visa and vica-versa.

Best Visa Credit Card

The Citibank Clear Platinum Visa is a unique platinum credit card. It combines the benefits of a low ongoing purchase rate as well as an interest free balance transfer offer for the first 6 months. You also can enjoy a range of complimentary benefits include international travel insurance, extended warranty and purchase cover.

• $99 annual fee
• 11.49% p.a. on purchases
• 0% p.a. for 7 months on balance transfers
• Cash Advance Rate of 21.24%
• Minimum Income Requirement of $50,000 p.a.
• Get up to 25% off special offers through Citi World Privileges

Click here to read the Citibank Clear Platinum Visa Card terms and conditions

Visa 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)
Citibank Clear Platinum Visa Card	A low rate and fee for a Platinum card. 25% off a range of Citibank World Privileges, inc. shopping, dining and travel. Visa Platinum Privileges.	11.49%	21.24%	0% for 7 months	$99	55
ANZ Balance Visa	One of the better reward program credit cards in Australia. You gain reward points for every dollar you pay off your balance. Also a modest annual fee and low purchase rate.	14.24%	21.49%	0% for 6 months	$79	55
Virgin No Annual Fee Credit Card	With a fabulous ongoing purchase rate, freebies and a no annual fee for life you can’t go wrong with the eagerly anticipated brand new Virgin No Annual Fee Credit Card. Surprise your partner today with a free additional card.	16.95%	20.99%	2.9% for 6 months	$0	44
Westpac Low Rate Card	The Westpac Low Rate Visa is the perfect card for those who are after a simple credit card with a low ongoing interest rate, 55 days interest free and a low annual fee.	13.24%	21.24%	1.99% for 9 months	$45	55
ANZ First Visa Credit Card	The ANZ First Visa is the ideal everyday credit card to make purchaes, pay bills and withdraw cash with. It also has a surprisingly low annual fee.	18.99%	20.74%	7.99% for 6 months	$0 for the first year ($30 p.a. after)	44
ANZ Gold Visa Card	High levels of purchase security and insurance cover. Includes comprehensive travel insurance.	18.99%	20.74%	7.99% for 6 months	$87	55
ANZ Visa Debit Card	No credit history required. $3 a month for students, $6 otherwise.			0.00%% for	$$72	0
ANZ Frequent Flyer - Balance Transfer Option	Earn 1 Frequent Flyer point for every $1 spent on your American Express card, and 1 point for every $2 spent on your Visa. Uncapped Frequent Flyer earnings. Both cards linked to same account with one annual fee, credit limit and statement.	19.49%	20.74%	2.9% for 12 months	$95	44
ANZ Frequent Flyer Gold American Express/Visa	Offering a range of gold features to take advantage of including a high earn rate of up to 1.25 Frequent Flyer points for every $1 you spend.	19.49%	20.74%		$195	55
ANZ Frequent Flyer Platinum American Express/Visa	The ANZ Frequent Flyer Platinum Credit Card allows you to maximise your Qantas Frequent flyer points on everyday purchases at up to 1.5 points per $1 spend.	19.49%	20.74%		$295.00	55
BankSA Platinum Card	One of the cheapest low rate credit card available in South Australia.	15.74%	21.24%	3.99% for 6 months	$89	55
Citibank Clear Visa Card	A fairly competitive low interest rate credit card. Does not match up against other low rate cards, or the Clear Platinum.	11.99% for 12 months (reverts to 15.49%)	21.24%	0% for 6 months	$65	55
Citibank Silver Card	Features a free rewards program along with no point expiry.	20.74%	21.24%	2.9% for 12 months	$89	55
Citibank Gold Card	Free international travel insurance, purchase cover, access to Citibank World Privileges and a superior rewards program.	20.74%	21.24%	1.9% for 12 months	$149	55
Citibank Platinum Card	For high debt that needs a long time to be repaid, the 4.9% balance transfer for life can’t be beaten. Also a popular and prestigious Platinum card offer.	20.74%	21.24%	3.9% for life	$125 (First Year, Save $125)	55
Citibank CitiBusiness Gold	Finally a credit card that works as hard as you do on your business. Earn 1.25 reward points for every $1 you spend.	20.49%	20.99%	2.9% for 9 months	$74 for the first year (normally $149)	55
HSBC Gold Visa Card	*No first year annual fee, then $89. A generous rewards program, unique interest free period opportunities and complimentary travel insurance.	19.50%	21.99%	0% for 6 months	$89	55
NAB Standard Card	Free linking to your FlyBuys account. Additional cardholder complimentary.	19.49%	19.49%	4.99% for 6 months	$30	44
NAB Gold Card	Available as Visa or MasterCard. Complimentary overseas travel insurance.	19.49%	19.49%		$90	44
St George Platinum Card	Also a exceptionally low platinum card interest rate, and annual fee. Extensive travel insurance and benefits, and a 5 star Cannex credit card rating.	15.74%	21.24%	3.99% for 6 months	$89	55

Visa is the world's largest credit card payment processing company. Over 30 million retail outlets around the globe accept payments made with Visa cards. This article traces the history of the company and outlines the growth of Visa credit cards.

Visa is the largest payment processing company in the world. Operating across the globe, they are the one responsible for cardholders being able to make payments in over 30 million different merchant outlets with the same credit card. This is an overview of how Visa credit cards came to be so ubiquitous.

Company History

Visa is based in San Francisco, California. It started out as the Bank of America card in 1958. Visa quickly dominated the credit card market though aggressive marketing such as sending out unsolicited, pre-approved cards in the mail. By playing the role of a standard payments processor well they gained the widespread global acceptance which is now featured as their company slogan.

The role of a payments processor is vital, as it allows for a simpler and more efficient checkout mechanism for merchants. Without a central payment processor such as Visa, each retailer would have to maintain separate accounts and checkout machines for all kinds of credit cards issued by a variety of banks. Cardholders also stand to gain from the convenience of using the same card at multiple locations to pay for items in multiple local currencies.

Up until as recently as 2008 Visa was owned by a conglomerate of banks and other financial institutions that issued Visa credit cards. Now they are incorporated and listed in the New York stock exchange under their own name, and enjoy autonomy of operation. Visa in Australia

Prior to Visa's arrival the Australian credit card market was dominated by Bankcard, a local credit card offered by American banks. Visa started offering credit cards in association with Australian banks and credit unions in the 1980's, which is also the time their primary competitor, MasterCard entered the Australian market. These two giants proved to be too much competition for the then dominant Bankcard which, from the highest number of 5 million cardholders in the 80's, stopped operating altogether in 2006.

Visa later branched out by offering debit cards in the 1990s, which were in direct competition with an alternative to the EFTPOS system. Now most banks and credit unions offer both Visa credit cards and debit cards.

Depending on the service level required and earning levels of the customer, there are multiple credit cards ranging from Visa classic, to Visa Gold, Visa Platinum, and even the very high end Visa Infinity card which is an invitation only credit card for the highest net worth clients of a bank.

• ANZ First Visa Card - No Annual Fee Credit Card
• ANZ Balance Visa Card - Rewards Credit Card
• ANZ Rewards Visa Card -Rewards Credit Card
• ANZ Gold Rewards Visa Card - Rewards Credit Card
• ANZ Gold Visa Card - Prestige Card
• ANZ Frequent Flyer Visa Card - Rewards (Travel) Credit Card
• ANZ Frequent Flyer Gold Visa Card -Rewards (Travel) Credit Card
• Bank of South Australia 'Starts Low Stays Low' Visa Card- Low Interest Rate Card
• Bank of South Australia Gold Visa Card - Prestige Credit Card
• Bank of South Australia No Annual Fee Visa Card- No Annual Fee MasterCard
• Bank of Queensland Low Rate Visa Card - Low Interest Credit Card
• Bank of Queensland Blue Visa Card - No Annual Fee Credit Card
• Bendigo Basic Black Visa Card - Low Interest Credit Card
• Bendigo Red Visa Card - Credit Card
• Bendigo Bank Gold Visa Card - Rewards Credit Card
• Citibank Clear Visa Card - Low Interest Card
• Citibank Clear Platinum Visa Card - Low Interest Card
• Citibank Silver Visa Card - Rewards Credit Card
• Citibank Gold Visa Card - Rewards Credit Card
• Citibank Platinum Visa Card - Rewards Credit Card
• Citibank Personal Credit Visa Card - Balance Transfer Card
• Citibank 'ReadyCredit' Visa Card - Balance Transfer Card
• Community First Credit Union Visa Card - Low Interest Credit Card
• HSBC Low Rate Visa Card - Low Interest/No Fee Card
• HSBC Gold Visa Card - Rewards Credit Card
• HSBC Platinum Visa Card - Rewards Credit Card
• Macquarie Bank RateSaver Visa Card - Low Interest Credit Card
• Macquarie Bank Platinum Visa Card - Rewards Credit Card
• NAB Standard Visa Card - Rewards Credit Card
• NAB Gold Visa Card - Rewards Credit Card
• NAB Standard Visa Card - Rewards Credit Card
• NAB Velocity Visa Card (+American Express) - Rewards Credit Card
• NAB Velocity Gold Visa Card (+American Express) - Rewards Credit Card
• NAB Mini Visa Card - Credit Card
• NAB Standard Visa Card - Credit Card
• St George Gold Visa Card - Prestige Credit Card
• St George Platinum Visa Card - Prestige Credit Card
• St George 'Starts Low Stays Low' Visa Card - Low Interest Credit Card
• St George No Annual Fee Visa Card - No Annual Fee Credit Card
• Suncorp Clear Options Standard Visa Card - Low Interest Credit Card
• Suncorp Clear Options Plus Visa Card - Rewards Credit Card
• Suncorp Clear Options Gold Visa Card -Rewards Credit Card
• Westpac Low Rate MasterCard (+Visa) - Low Interest Credit Card
• Westpac '55 Day' Visa Card - Credit Card
• Westpac '55 Day' Gold Visa Card - Credit Card
• Westpac '55 Day' Platinum Visa Card - Credit Card
• Westpac Student Visa Card - Credit Card

• Visa Platinum – Learn about Visa Platinum Benefits, Rewards & Privileges

  Visa Platinum offers cardholders an enviable lifestyle. From entertainment offers, concierge and travel services to travel insurance and more, cardholders can enjoy many different perks. Read on to find out all about the benefits of being a Visa Platinum cardholder.



• Visa Entertainment

  Sometimes the best things in life really are free. With Visa Entertainment you gain access to premium events and special offers just by owning a Visa card. This program gives cardholders access to premium seating, pre sale tickets, and top notch experiences at your fingertips.



• Visa Gold Credit Card

  A gold card offers incremental features from a standard or a silver card. The Visa Gold card is no exception. Find out about the benefits available from holding a Visa Gold Credit Card.



• Visa Helps Students Gain Money Management Skills

  Credit card issuer Visa has struck a deal with the educational community of Australia to help youngsters manage their finances better. With the help of Financial Football, a fast-paced interactive game Visa hopes to engage students while teaching them money management skills.



• Visa Gold Rewards

  Having a gold card presupposes that with that card comes a variety of privileges. A gold card gives the user flexibility, convenience and benefits not afforded to those who use standard cards. Because gold card users are people of distinction, it is important to find just the right card that will satisfy their discerning palate.







Editor's Choice: Our Top Credit Cards




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)
HSBC Credit Card	Editor's Choice: 0% for 6 months Balance Transfer & No Annual Fee Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.	16.99%	20.75%	0% for 6 months	$0	55
Suncorp Clear Options Standard Visa Card	A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases.	12.24%	17.99%	1.9% for 12 months	$39	0