RateCity.com.au
Advertisement

Search and compare the top credit cards

Find a credit card that best suits your needs. Compare interest rates, balance transfer rates, annual fees and more from Australia's leading lenders big and small. - Data last updated on 16 Jan 2018

Now showing 1 - 20 of 48 Search Credit Cards
Advertisement
Product Name Card
Purchase Rate
Interest Free Days
Annual Fee
Card limit
Late Payment Fee
Go To Site
ANZ Low Rate Platinum
Low Rate Platinum
Purchase Rate
11.49%
Interest Free Days
55
Expand for more details
ME Bank Frank Credit Card
Frank Credit Card
Purchase Rate
11.99%
Interest Free Days
55
Expand for more details
ANZ Low Rate
Low Rate
Purchase Rate
12.49%
Interest Free Days
55
Expand for more details
American Express Essential Credit Card
Essential Credit Card
Purchase Rate
14.99%
Interest Free Days
55
Expand for more details
ANZ Rewards
Rewards
Purchase Rate
18.79%
Interest Free Days
44
Expand for more details
ANZ Rewards Platinum
Rewards Platinum
Purchase Rate
18.79%
Interest Free Days
55
Expand for more details
ANZ Rewards Black
Rewards Black
Purchase Rate
18.79%
Interest Free Days
55
Expand for more details
St.George Bank Amplify Platinum (Amplify Rewards)
Amplify Platinum (Amplify Rewards)
Bonus Points Receive 60,000 Points
Purchase Rate
19.49%
Interest Free Days
55
Expand for more details
St.George Bank Amplify Signature (Amplify Rewards)
Amplify Signature (Amplify Rewards)
Bonus Points Receive 90,000 Points
Purchase Rate
19.49%
Interest Free Days
55
Expand for more details
ANZ First
First
Purchase Rate
19.74%
Interest Free Days
44
Expand for more details
ANZ Platinum
Platinum
Purchase Rate
19.74%
Interest Free Days
55
Expand for more details
ANZ Frequent Flyer
Frequent Flyer
Purchase Rate
19.99%
Interest Free Days
44
Expand for more details
ANZ Frequent Flyer Platinum
Frequent Flyer Platinum
Purchase Rate
19.99%
Interest Free Days
55
Expand for more details
Advertisement

Searching for the right credit card to suit your needs can be like finding a needle in a haystack. The choice is immense.

A good starting place is a comparison site such as RateCity, where every type of credit card feature is laid out before you. However, once you’re there, what features do you compare?

To search for the best credit card, consider what you want it to do; identify the features that appeal to you the most, such as:

  • Maximum interest-free days
  • No fees
  • Low interest rate
  • Balance transfer
  • Maximum credit limit
  • Rewards and special offers
  • Frequent flyer points

A credit card is more than just a mechanism for credit and cash advances. Most credit cards today offer a range of additional financial services that can add value to your spending.

Of course, the credit card you choose needs to fit in with your budget. If you’re a Qantas Frequent Flyer, for example, there are a number of credit cards that let you accumulate Qantas Points.

If you’re a low-income earner, a credit card with a low ongoing rate and no fees might appeal. And if you’re looking to consolidate your credit card debt, a good balance transfer deal might suit best.

Have a goal in mind so that you can narrow your search for the best credit card. Having done this, there are still a few key things to look during your credit card search.

Visa or Mastercard?

Does it matter whether your credit card is a Visa or Mastercard? Maybe the credit card that has the features you want may not be from the provider you like. But does it matter?

It’s worth knowing the difference between the two providers. Neither Visa nor Mastercard actually issue any credit cards themselves; they are both simply methods of payment (the technology).

The features of a credit card, such as the interest rates, rewards, annual fees and all other charges, are issued by your bank.

Visa supports contactless payment methods such as Android Pay, Apple Pay, Samsung Pay, Visa Checkout and Visa payWave for mobile.

Mastercard supports simple and secure transactions via connected devices using masterpass. This is a single system that lets you shop online or in-app without ever having to enter your personal details.

Both providers deliver technology that provides you with a simple and safe shopping experience that’s protected by state-of-the-art security features.

How do I choose a credit card?

The credit card you choose should not only be complementary to your budget and spending habits but also compatible with your method of shopping and lifestyle.

For example, a Visa credit card issued by a particular bank might not yet support Apple Pay, which is how you predominantly pay for goods and services.

Or a Mastercard issued by a credit union might not offer Velocity Points, and you’re a Virgin Australia frequent flyer.

When searching credit cards, analysing how you shop and pay bills will help you choose the right product.

Advertisement

FAQs

A credit card is a payment method which lets you pay for goods and services without using your own money. It’s essentially a short-term loan which lets you borrow the bank’s money to pay for things which you can pay back – potentially with interest – at a later date. Credit cards can also be used to withdraw money from an ATM, which is known as a cash advance. Because you’re borrowing money from a bank, credit cards charge you interest on the money you use (unless you repay the entire debt during the interest-free period). When you apply for a credit card, the bank gives you a credit limit which sets the maximum amount you can borrow using your card. Credit cards are one of the most popular methods of payments and can be a convenient way of paying for goods and services in store, online and all around the globe.

Compare your product with the big 4 banks, or add more products to compare