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COMPARE AUSTRALIAN CREDIT CARDS
COMPARE 250+ CREDIT CARDS FROM 79 BANKS AND BRANDS. FROM LOW RATE AND NO ANNUAL
FEE CARDS TO 0% BALANCE TRANSFER AND BONUS POINTS. GET THE BEST OFFER FOR YOUR
NEEDS AND APPLY ONLINE.
CARD OF THE DAY
PRODUCT
Purchase rate
Balance transfer
Annual fee
Your savings
Go to offer
HSBC PLATINUM CREDIT CARD – 0% BALANCE TRANSFER OFFER
5 reviews
Long 0% Balance Transfer + Reduced annual fee first year
Reduced annual fee of $29 in the first year, $129 thereafter. Complimentary
domestic (inc rental car cover) & international travel insurance. 2 lounge
passes per year.
$1,920 saved over 36 months
Reduced annual fee of $29 in the first year, $129 thereafter. Complimentary
domestic (inc rental car cover) & international travel insurance. 2 lounge
passes per year.
19.99%
p.a
100%
PURCHASE RATE
19.99% p.a.
19.99% Complete (success)
0%
36 months
0%
reverts to 21.99% p.a. No BT fee
BALANCE TRANSFER
0% 36 months
0% Complete (success)
reverts to 21.99% p.a.No fee
$29
first year
39.2%
then $129 p.a.
ANNUAL FEE
$29 first year
129% Complete (success)
then $129 p.a.
$1,920
saved over 36 months
50% Complete (success)
Read more
save card more info
save card
POPULAR FEATURES
People use credit cards for different purposes. What features are you looking
for?
* Balance transfers
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* 0% purchases
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See all Features
POPULAR FEATURES
* 0% Foreign Fees
* 0% on Purchase Offers
* Business
* Bonus Point Special Offers
* Low and 0% Balance Transfer
* Low Interest Rate
* No Annual Fee
* Qantas and Frequent Flyer
* Rewards
* 0% Foreign Fees
* 0% on Purchase Offers
* Business
* Bonus Point Special Offers
* Low and 0% Balance Transfer
* Low Interest Rate
* No Annual Fee
* Qantas and Frequent Flyer
* Rewards
0% Foreign Fees
0% on Purchase Offers
Business
Bonus Point Special Offers
Low and 0% Balance Transfer
Low Interest Rate
No Annual Fee
Qantas and Frequent Flyer
Rewards
0% BALANCE TRANSFER CREDIT CARDS
See how much a balance transfer could save you
Filter your savings
MY TRANSFER AMOUNT
MY TRANSFER AMOUNT
$0$30000000
MY INTEREST RATE
0.00%25.00%000
MY ANNUAL FEE
$0$500000
Product
Purchase rate
Balance transfer
Annual fee
Your savings
Go to offer
HSBC PLATINUM CREDIT CARD – 0% BALANCE TRANSFER OFFER
5 reviews
Long 0% Balance Transfer + Reduced annual fee first year
Reduced annual fee of $29 in the first year, $129 thereafter. Complimentary
domestic (inc rental car cover) & international travel insurance. 2 lounge
passes per year.
$1,920 saved over 36 months
Reduced annual fee of $29 in the first year, $129 thereafter. Complimentary
domestic (inc rental car cover) & international travel insurance. 2 lounge
passes per year.
19.99%
p.a
100%
PURCHASE RATE
19.99% p.a.
19.99% Complete (success)
0%
36 months
0%
reverts to 21.99% p.a. No BT fee
BALANCE TRANSFER
0% 36 months
0% Complete (success)
reverts to 21.99% p.a.No fee
$29
first year
39.2%
then $129 p.a.
ANNUAL FEE
$29 first year
129% Complete (success)
then $129 p.a.
$1,920
saved over 36 months
50% Complete (success)
Go to offer
save card more info
save card
Apply by 30 Nov 21
Go to offer
ST.GEORGE VERTIGO CREDIT CARD
19 reviews
0% on balance transfers for 30 months
No balance transfer fee. No annual fee for the first year, $55 p.a. thereafter.
Enjoy low ongoing purchase rate, up to 55 days interest free on purchases plus
free additional card holder.
0% ON BALANCE TRANSFERS FOR 30 MONTHS
$1,745 saved over 30 months
Enjoy 0% on balance transfers for 30 months, no BT fee. No annual fee for the
first year, $55 p.a. thereafter. Low ongoing purchase rate, up to 55 days
interest free on purchases plus free additional card holder. Apply by 30 Nov 21
13.99%
p.a
100%
PURCHASE RATE
13.99% p.a.
13.99% Complete (success)
0%
30 months
0%
reverts to 21.49% p.a. No BT fee
BALANCE TRANSFER
0% 30 months
0% Complete (success)
reverts to 21.49% p.a.No fee
$0
first year
75.73%
then $55 p.a.
ANNUAL FEE
$0 first year
55% Complete (success)
then $55 p.a.
$1,745
saved over 30 months
50% Complete (success)
Go to offer
save card more info
save card
Apply by 31 Aug 21
Go to offer
CITI REWARDS CREDIT CARD – BALANCE TRANSFER OFFER
6 reviews
Credit limit up to $100k
0% balance transfer for 30 months. Transfer from non-Citi personal loans, store
and/or credit cards. Great for debt consolidation. Citi Reward program. Overseas
travel insurance.
TRANSFER PERSONAL LOANS, STORE AND CREDIT CARDS
$1,696 saved over 30 months
Citi are the only issuer in Australia that accept personal loan debt as part or
all of the balance transfer e.g. car loans. Transfer from non-Citi issued
personal loans, store and/or credit cards. Apply by 31 Aug 21
21.49%
p.a
100%
PURCHASE RATE
21.49% p.a.
21.49% Complete (success)
0%
30 months
0%
reverts to 22.24% p.a. No BT fee
BALANCE TRANSFER
0% 30 months
0% Complete (success)
reverts to 22.24% p.a.No fee
$49
first year
34.13%
then $149 p.a.
ANNUAL FEE
$49 first year
149% Complete (success)
then $149 p.a.
$1,696
saved over 30 months
50% Complete (success)
Go to offer
save card more info
save card
See all Balance Transfer cards
REWARDS CREDIT CARDS
Turn your credit card spend into fantastic rewards and adventures
Filter your points
MY MONTHLY CARD SPEND
MY AVERAGE MONTHLY SPEND
$0$30000000
Product
$1 earn rate
Bonus points
Annual fee
Your points
Go to offer
ANZ REWARDS BLACK CREDIT CARD
1 review
180,000 bonus Reward Points
Worth $800 in eGift cards when you spend $2,000 on eligible purchases in the
first 3 months. Save $375 on card costs with $0 annual fee in the first year.
Get complimentary international travel insurance
180,000 BONUS REWARD POINTS
300,000 points earned over 12 months
Worth $800 in eGift cards when you spend $2,000 on eligible purchases in the
first 3 months. Save $375 on card costs with $0 annual fee in the first year.
Get complimentary international travel insurance
2 pts
ANZ
80%
Capped at $5000, then 1 pt per $1 spent
EARN RATE PER $1
2 points
16.77% Complete (success)
ANZ Rewards
Capped at $5000, then 1 pt per $1 spent
180,000
points
93.65%
BONUS POINTS
180,000
points
16.77% Complete (success)
ANZ Rewards
$0
first year
15.24%
then $375 p.a.
ANNUAL FEE
$0
first year
16.77% Complete (success)
then $375 p.a.
ANZ Rewards
300,000 pts
over 12 months spend
50% Complete (success)
Go to offer
save card more info
save card
Go to offer
NAB QANTAS REWARDS SIGNATURE CREDIT CARD
5 reviews
Up to 110,000 Bonus Qantas Points
Min. spend applies. Reduced annual fee for the first year. Earn 1 Qantas Point
per $1 spent up to $5,000. 6 complimentary insurances when you meet eligibility
criteria including International Travel Insurances.
170,000 points earned over 12 months
Earn up to 110,000 Bonus Qantas Points (90,000 when you spend $3,000 within 60
days and 20,000 when you keep your card open for over 12 months). Reduced annual
fee for the first year. Earn 1 Qantas Point per $1 spent up to $5,000. Get
international travel insurance.
1 pt
Qantas
80%
Capped at $5000, then 0.5 pts per $1 up to $20,000
EARN RATE PER $1
1 point
16.77% Complete (success)
Qantas Frequent Flyer
Capped at $5000, then 0.5 pts per $1 up to $20,000
110,000
points
90%
BONUS POINTS
110,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$295
first year
6.97%
then $395 p.a.
ANNUAL FEE
$295
first year
16.77% Complete (success)
then $395 p.a.
Qantas Frequent Flyer
170,000 pts
over 12 months spend
50% Complete (success)
Go to offer
save card more info
save card
Apply by 30 Nov 21
Go to offer
ST.GEORGE VERTIGO CREDIT CARD – CASHBACK OFFER
1 review
$300 cashback
When you spend $4,000 on eligible purchases within 120 days of new card
approval. New cards only, Eligibility criteria and T&Cs apply. Eligible with
Apple Pay, Google Pay and Samsung Pay.
$300 CASHBACK
points earned over 12 months
Get $300 cashback when you spend $4,000 on eligible purchases within 120 days of
new card approval.
N/A
0%
EARN RATE PER $1
N/A
16.77% Complete (success)
N/A
0%
BONUS POINTS
N/A
-1% Complete (success)
$0
first year
75.73%
then $55 p.a.
ANNUAL FEE
$0
first year
16.77% Complete (success)
then $55 p.a.
pts
over 12 months spend
50% Complete (success)
Go to offer
save card more info
save card
See all Rewards cards
NO ANNUAL FEE CREDIT CARDS
Stop paying an annual fee but still get access to rewards and more
Filter your savings
TOP 3 FROM NO ANNUAL FEE CALCULATE YOUR SAVINGS
FILTER
MY TRANSFER AMOUNT
$0$30000000
MY INTEREST RATE
0.00%25.00%000
MY ANNUAL FEE
$0$700000
MY TRANSFER AMOUNT
$0$30000000
MY INTEREST RATE
0.00%25.00%000
MY ANNUAL FEE
MY CURRENT ANNUAL CARD FEE
$0$500000
Product
Purchase rate
Balance transfer
Annual fee
Your savings
Apply by 27 Oct 21
Go to offer
AMERICAN EXPRESS LOW RATE CREDIT CARD
2 reviews
Low purchase rate + $100 back
Min. spend applies. Pay no annual fee and get up to 4 additional cards at no
extra cost. Plus purchase protection, refund protection and fraud guarantee.
LOW PURCHASE RATE + $100 BACK
$0 saved over months
Low purchase rate of 8.99% p.a. and $0 annual fee. Plus, get $100 back when you
apply online, are approved by 27 October 2021, and spend $1,000 on your new card
by 31 December 2021. Purchase protection, refund protection and fraud
guarantee.. Apply by 27 Oct 21
8.99%
p.a
100%
PURCHASE RATE
8.99% p.a.
8.99% Complete (success)
N/A
0%
BALANCE TRANSFER
N/A
p.a.
86.77% Complete (success)
$0
p.a.
100%
ANNUAL FEE
$0 p.a.
0% Complete (success)
$
saved over months
50% Complete (success)
Go to offer
save card more info
save card
Go to offer
NAB LOW RATE CREDIT CARD
26 reviews
0% on balance transfers for 32 months
Enjoy 0% p.a. on balance transfers for 32 months (no BT fee) plus $0 annual fee
for the first year ($59 thereafter). New members only. Low purchase rate of
12.99%
0% ON BALANCE TRANSFERS FOR 32 MONTHS
$1,817 saved over 32 months
Low purchase rate of 12.99% p.a. No annual fee for the first year and get a free
additional cardholder.
12.99%
p.a
100%
PURCHASE RATE
12.99% p.a.
12.99% Complete (success)
0%
32 months
0%
reverts to 21.74% p.a. No BT fee
BALANCE TRANSFER
0% 32 months
0% Complete (success)
reverts to 21.74% p.a.No fee
$0
first year
69.68%
then $59 p.a.
ANNUAL FEE
$0 first year
59% Complete (success)
then $59 p.a.
$1,817
saved over 32 months
50% Complete (success)
Go to offer
save card more info
save card
Apply by 30 Sep 21
Go to offer
COLES NO ANNUAL FEE MASTERCARD
4 reviews
$100 off & 0% p.a. balance transfer offer
Get $100 off your Coles Supermarket shop when you spend $1500 or more on
eligible retail purchases within 60 days of approval. Get 0% p.a. on balance
transfers for 12 months (no BT fee). Collect 1 Flybuys Point for every eligible
$2 you spend.
NO ANNUAL FEE EVER
$887 saved over 12 months
Get $100 off your Coles Supermarket shop when you spend you spend $1500 or more
within 60 days of approval. Collect 1 Flybuys Point per $2 on eligible spend
when you use this card. Save on interest and fees with 0% p.a. on balance
transfers for 12 months and no annual fee ever. Apply by 30 Sep 21
19.99%
p.a
100%
PURCHASE RATE
19.99% p.a.
19.99% Complete (success)
0%
12 months
0%
reverts to 19.99% p.a. No BT fee
BALANCE TRANSFER
0% 12 months
0% Complete (success)
reverts to 19.99% p.a.No fee
$0
p.a.
100%
ANNUAL FEE
$0 p.a.
0% Complete (success)
$887
saved over 12 months
50% Complete (success)
Go to offer
save card more info
save card
See all No Annual Fee cards
POPULAR BANKS & BRANDS
Compare to find your next credit card
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BEST CREDIT CARDS AUGUST 2021
We are the credit card experts. We started online credit card comparison in
Australia in 2005. We have seen sooooooo many offers come and go over the past
15 years. Let CreditCard.com.au guide you to find the right credit card for your
needs.
> Roland Bleyer founder “I have extensive knowledge about credit cards in
> Australia and am known as a credit card expert. I have been featured on tv and
> in various publications. “
NOTES FROM THE CREDITCARD.COM.AU FOUNDER
I receive streams of questions every day from people just like you wanting to
know more about credit cards or how to use them better. The truth is that only a
small percentage of the population actually understand credit cards and how to
get the best out of them. Knowledge is power and frankly its difficult to cut
through all the sales hype and really work out what card would be best for your
personal situation. That’s why I have just created Credit Card EDU. An online
place where you can study a range of credit card topics anytime on mobile,
tablet or desktop. Please let me know what you think and congratulations if you
pass the final exam and receive your certificate.
THINGS TO THINK ABOUT
For a range of people coming to this site their purpose will be very clear. Many
will look for a balance transfer offer where they can move current debt to a new
bank and pay a low rate. Others will be simply looking for the lowest purchase
rate, others are sick of paying an annual fee and will look at for a no annual
fee offer. Though seeming very straight forward in the beginning, it still makes
sense to step back and review your own situation and uses for your credit card
or range of them. On top of this you need to regularly review your card(s) and
see if your needs, features and/or competitor offers have changed dramatically
whereby it makes sense to switch.
Many people put credit cards in the too hard basket. How much time have you
spent over the past 12 months reviewing your financial products and where they
sit in the market? We just take what we have and just use them how we need to at
the time. If you could save hundreds, even thousands of dollars a year how much
time would you be willing to put in?
LOOKING FOR THE RIGHT CREDIT CARD
There are core questions that you need to answer before you start comparing
credit cards. Firstly, do you pay off your balance in full each month? This is
of critical importance, there is no sense earning reward points on a high
interest credit card, when your interest payments alone far outstrip any of the
benefits.
Secondly, how much are you likely to spend on average over a monthly period? It
is important to get a clear understanding how you are going to use your card.
Monthly spends are an important factor when looking at rewards or frequent flyer
cards. You need to assess your spend, say $20,000 a year, then look at what
actual rewards (not points) you would get from various cards based on your
spend.
Thirdly, what sort of credit card deals or bonuses would be most useful for me?
Banks are fighting for business more and more. These days you can get great
deals on bonus points, no annual fee and 0% credit card rates. This varies all
the time so it’s a good idea to review the market over a period of time, rather
than just jumping into things. Though if an offer is right for you or too good
to be true then it probably won’t last very long. Great offers come to market
and sometimes leave as quickly as they came. Though the market appears to
becoming more stable with offers typically staying around for a number of months
before they expire.
Lastly, there are a multitude of special features on cards. What credit card
features could you use on a regular basis? Many people don’t even know what kind
of features they could expect. Here is a list of some main features that could
be of interest: 0% intro period on purchases or balance transfers, domestic and
overseas travel insurance inc car rental excess cover, airport lounge passes,
free nights in hotels, various reward point earning, concierge and complimentary
flights. Travelers seem to benefit most from credit cards and they usually will
have more to think about over people that are not interested in those types of
features.
Bottom line is that it’s hard to find a credit card that will suit all your
needs. I love to travel and have 3 cards that I use personally at this point in
time for different reasons. You need to make sure that you are getting more
benefit out of your card or cards than you are paying for. Credit cards can be a
great financial tool when used correctly or miserable if you rack up high debt
that you can never pay off. Thanks for visiting my site and best of luck with
finding the right credit card for your needs. If you have any questions, reach
out and I will try and answer them as best as I can.
Have a look at this handy Credit Card Guide from Mate. If you want to have read
a concise guide on credit card basics. Then this is the one for you. Being smart
with financial products requires clear understanding of how they operate.
PHOTO SOURCE: SHUTTERSTOCK
USE CREDIT CARDS WISELY
We receive streams of questions every day from people just like you wanting to
know more about credit cards or how to use them better. The truth is that only a
small percentage of the population actually understand credit cards and how to
get the best out of them. Knowledge is power and frankly its difficult to cut
through all the sales hype and really work out what card would be best for your
personal situation.
WHAT TO LOOK FOR IN A CREDIT CARD
Looking at how you use your card will tell you what features in a credit card
that works best for you.
I MAKE PAYMENTS BEFORE IT IS DUE OR ON TIME
If you pay off your balance in full each billing cycle. This gives you access to
interest free days on most cards. Paying off your card each month will also
assist you in avoiding interest. If you are this type of credit card user. Then
the interest rate should not be a concern. You should be looking at cards that
will earn rewards on your spent. Look at features that you will use e.g.
overseas travel insurance. Map out your average monthly spend to see what
rewards card could be right for you.
I HAVE A CURRENT DEBT
If you currently have credit card debt. Then a balance transfer could be an
option for you.
Firstly, what is a balance transfer? You currently have credit card debt. You
are approved for a new balance transfer credit card. Your new bank makes a
payment on your behalf off your old card. The debt is transferred from your old
card to your new card.You receive a special interest rate, typically 0% for up
to 2 years.
Some key points are that a balance transfer must be between different banks e.g.
Commbank to Westpac. You can only transfer your own debt – not your partners or
family. The simple online application process takes around 10-15 mins. You must
have good credit to get approved for a new balance transfer credit card.
I ONLY USE MY CARD OCCASIONALLY
If you are not spending much on your credit card or use it very infrequently.
Then it's likely that a no annual fee or low annual fee product could suit.
These cards tend to have interest rates around 20%. So if you do hold a balance
this is still a concern. Though if you do pay off your balance in full each
billing cycle. Then not paying an annual fee can work in your favour.
I MAKE A LOT OF PURCHASES OVERSEAS AND ONLINE
Australian’s spend over one million dollars a day just on credit card foreign
fees. If you like to travel or spend online in overseas currencies. Then you
should look at a card that offers no foreign fees on purchases. An important
point is to also understand what exchange rate the card is using. Source: RBA
RECENTLY ASKED QUESTIONS
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Roland B Bleyer
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160 QUESTIONS (SHOWING THE LATEST 10 Q&AS)
160 questions (Displaying latest Q&A)
JAMES
29 June 2021
How many Qantas points are Altitude points worth?
ROLAND
29 June 2021
Hi James, thanks for your question and sorry to be the bearer of bad news, but
Altitude and Qantas points are non-transferable. Altitude points can only be
converted to Velocity Points, Air New Zealand Airpoints, Singapore Airlines
Krisflyer Miles and Asia Miles. You can compare Qantas credit cards here if
you’d like a direct earn card.
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MY TRANSFER AMOUNT $5000
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