Best Credit Cards


Search and compare the best credit cards in Australia at RateCity.

If you've just started to look into getting a new credit card you may have stumbled across one too many options - low rate, interest free, altitude, frequent flyer. With so many products to pick from it's no surprise that many people are unaware of the differences between each.

To save you the hassle, we have put together a quick guide to help you pick the best credit card for you.

Types of credit cards

No matter what bank or institution you get a credit card from, each card will have different features and will be intended to benefit a different type of spender. In most cases, the higher the rate and the more features a card has, the more suitable it will be for people who clock up large expenses. The same works vice-versa for lower rate cards; the lower the rate, the less features and services available.

For more information on this topic visit our page on how to choose the right credit card.

How do I find the best credit cards by value?

CANNEX star ratings are a point of reference to help you compare financial products based on their interest rates and features. For any credit card product to be awarded 5 stars they need to represent superior value for money. This has been calculated according to the following spending types:
  • Everyday Spender
  • Impulse Spender
  • Big Spender
  • Habitual Spender
If you find that you fall perfectly into one of these spending types then comparing products by star ratings could be an ideal way to help you find the best credit cards for you needs.

Things to consider when looking for the right card
  • Low interest rates
  • Maximum number of interest free days
  • Annual fees
  • Internet banking
  • Phone banking
  • BPay
  • Card brand (AMEX, Visa, Mastercard)
  • Minimum repayments required
  • Balance transfer facility
  • Balance transfer intro period
  • Balance transfer intro rate
  • Waiver for first year free
  • Rewards program available
  • Automatic payment facilties

Related Products

Company Product Annual Fees Max No Of Interest Free Days Interest Rate % Min Fee-min Pmt Not Paid-duedate Maximum Limit Apply
BankSA BankSA Platinum Visa Card 89 55 15.24 9 No Max Apply
St George Bank St George Bank Platinum Visa Cred Card 89 55 15.24 9 No Max Apply
Westpac Westpac Singapore Air Plat/Visa 125 45 18.74 9 No Max Apply
HSBC HSBC Visa Platinum 129 45 18.74 30 No Max Apply
Westpac Westpac 55 Day Platinum Visa 130 55 18.84 9 65000 Apply
Bank of Queensland Bank of Queensland Platinum Visa 199 55 19.49 30 30000 Apply
Macquarie Bank Macquarie Bank Visa Platinum Card 200 55 19.95 20 50000 Apply
Suncorp Bank Suncorp Bank Clear Options Platinum 205 55 19.99 30 30000 Apply
St George Bank St George Bank Private Bk Visa Platinum 225 55 19.99 9 250000 Apply
nab nab Qantas Platinum VISA 290 44 19.49 5 500000 Apply
ANZ ANZ Freq Flyer Visa Platinum 295 55 18.99 20 No Max Apply