Find the best credit cards for you

Need a credit card for everyday spending, shopping overseas, or earning reward points? Compare the benefits and interest rates of different credit cards in one convenient place.

Popular credit card providers

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All credit cards

Promoted
Platinum Card (Suncorp Bank Rewards)
Bonus PointsTriple reward points for the first 6 months, 0% p.a. on balance transfers for 18 months
Purchase Rate
20.74%
Annual Fee
$129
Max Free Days
55
Late Payment Fee
$10
Compare
Promoted
Low Rate Mastercard
Purchase Rate
11.99%
Annual Fee
$45
Max Free Days
55
Late Payment Fee
$15
Compare
Promoted
Platinum (Balance Transfer Offer)
Balance Transfer0% p.a. for 26 months on balance transfers when you apply by 31 July 2018
Purchase Rate
20.99%
Annual Fee
$49
for 12 months then $149
Max Free Days
55
Late Payment Fee
$10
Compare
Low Rate Platinum Mastercard
Purchase Rate
11.99%
Annual Fee
$89
Max Free Days
55
Late Payment Fee
$15
Compare
Low Rate Card
CashbackReceive 10% cashback (capped at $100 total) on spend in the first 3 months from card approval when you apply by 2 September 2018.
Purchase Rate
11.99%
Annual Fee
$49
Max Free Days
44
Late Payment Fee
$10
Compare
Low Rate
Balance Transfer0% p.a. on balance transfers for the first 15 months. No Balance Transfer Fee.
Purchase Rate
12.49%
Annual Fee
$58
Max Free Days
55
Late Payment Fee
$20
Compare
Standard Card
Purchase Rate
12.74%
Annual Fee
$55
Max Free Days
0
Late Payment Fee
$10
Compare
Low Rate Credit Card
Purchase Rate
13.25%
Annual Fee
$79
Max Free Days
55
Late Payment Fee
$30
Compare
Low Rate Platinum
Balance Transfer0% p.a. on purchase interest rate for 9 months and 0% p.a. on balance transfers for 6 months
Purchase Rate
0%
for 9 months then 13.99%
Annual Fee
$100
Max Free Days
55
Late Payment Fee
$15
Compare
Low Rate Card
Balance Transfer0% p.a. on balance transfers for 6 months
Purchase Rate
0%
for 6 months then 13.99%
Annual Fee
$59
Max Free Days
55
Late Payment Fee
$15
Compare
Platinum
Balance Transfer0% p.a. on balance transfers for the first 18 months
Purchase Rate
19.74%
Annual Fee
$0
for 12 months then $87
Max Free Days
55
Late Payment Fee
$20
Compare
First
Balance Transfer0% p.a. on balance transfers for the first 18 months
Purchase Rate
19.74%
Annual Fee
$30
Max Free Days
44
Late Payment Fee
$20
Compare
Everyday Platinum Credit Card
Gift CardsSave up to $50 every month, with 10% off your first shop on selected dates when you apply by 30 September 2018. No annual fee for the first year, saving you $49. 0% p.a. for 14 months on balance transfers, from card approval, reverting to cash advance rate.
Purchase Rate
19.99%
Annual Fee
$0
for 12 months then $49
Max Free Days
55
Late Payment Fee
$35
Compare
Platinum Rewards Mastercard
Purchase Rate
19.99%
Annual Fee
$89
Max Free Days
55
Late Payment Fee
$15
Compare
Qantas Platinum Mastercard
Purchase Rate
19.99%
Annual Fee
$149
Max Free Days
55
Late Payment Fee
$15
Compare

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FAQs

The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers: Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14. The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid. Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.

How to find Australia’s top credit cards

The only way to find the top credit card for you is to carry out a comprehensive credit card comparison.

Here’s how to compare the top credit cards:

  • Ask how you plan to use your card – For everyday shopping? For major purchases only? For buying overseas or travel? To transfer an existing balance?
  • Compare interest rates – Remember that different rates may apply for credit card purchases, cash advances and balance transfers. Also, beware of introductory, promotional, or “honeymoon” rates.
  • Compare interest-free periods – See how long you’ll have to pay back your purchases before you’re charged credit card interest.
  • Compare credit card rewards and extras – Some credit cards reward programs may let you earn points on your everyday spending, while other cards offer extras such as travel insurance.
  • Compare fees and charges – Find out if there are any extra costs, such as annual fees, or charges for overseas purchases, and consider whether the credit card’s benefits would likely be worth these costs.

You can compare hundreds of different credit cards in Australia, so it’s important to consider what you want from your credit card to make sure you select the top credit card options for your personal finances.

The different types of credit cards

Of the wide range of card types available, some of the most popular credit card types include:

  • Low rate credit cards
  • Low fee credit cards
  • Balance transfer cards
  • Rewards credit cards
  • Frequent flyer cards

There's no shortage of cards to include in your credit card comparison. Your top credit card choice will ultimately depend on what you want to use your card for, and the perks you'll receive whenever you do.

While these are some of the main credit card categories to consider, there are also other variables to consider. For example, if you regularly use your credit card overseas, then this is something you should factor into your credit card comparison.

How to make a credit card comparison

Compare credit card interest rates

A credit card is effectively a flexible personal loan or line of credit – every time you spend money on a credit card, you’re borrowing money from the provider, and if you don't repay this amount on time, then you will be charged interest on your balance owing.

When you compare credit card rates, remember that your credit card’s interest rate (sometimes called annual percentage rate or APR) may not be the same. Some credit cards charge different interest rates for purchases, for cash advances, or for balance transfers.

When you carry out a credit card comparison, make sure you take into consideration any introductory rates that are on offer. Some companies will offer a low rate credit card as a promotion when you first open the account, whose “honeymoon rate” then reverts to a higher interest rate after the introductory period expires.

Compare credit card fees

If you’re looking for cheap credit cards, remember that it’s not just the interest rates you’ll need to look out for, but the fees as well. Credit cards that charge monthly or annual fees are often (but aren’t always) credit cards that also offer rewards.

Most of the time, there are some major trade-offs to make when choosing a credit card. If you want a card with a low interest rate because you don’t always pay your card off, then it’s unlikely this card will also offer rewards. You’ll also find that the credit cards that offer rewards, frequent flyer points or other perks generally come with higher rates and annual fees.

While you may not be able to “have it all” with the one credit card, if you choose your priorities wisely, you may be able to find some of the best credit card offers for you by making a credit card comparison.

Compare rewards credit cards

If you plan on using your credit card on a regular basis, then it might be worth considering a rewards credit card. Many of the biggest providers will give cashback on selected purchases, or allow you to earn points on your spending that can be used in selected stores.

To find the best credit card deals with rewards, consider how you plan to use your card and how closely this matches with the card’s rewards program. For example, if you regularly use your credit card at a local supermarket, you may want to consider a credit card that lets you earn points that can be redeemed at these shops.

One of the most popular types of rewards credit cards are those that offer frequent flyer points. Frequent flyer credit cards award points based on the amount you spend, which can then be built up and eventually spent on flights and upgrades with major airlines. If you make regular plane trips for work, to visit family, or because you love to travel, you may want to make a frequent flyer credit card comparison.

If you are interested in rewards credit cards, then be sure to read their terms and conditions. As with any financial product, it's a good idea to be fully aware of what you are signing up for well in advance. The best credit cards for points will offer rewards that suit your spending style without charging too much in fees.

Compare balance transfer credit cards

If you already have a credit card and you’re looking for a way to clear the outstanding balance owing, you may want to conduct a credit card comparison to find the best credit card balance transfer deals. Many balance transfer credit cards charge no interest on the balance you transfer from your old credit card for a limited time, so you can concentrate on clearing your debt without worrying about extra interest charges from building up. Just remember that you’ll still be charged interest on new purchases.

Choosing your next credit card

No matter what you want from your credit card, it's important to carry out an interest rate comparison and see which credit card options are out there. If you need more information on what's available, then be sure to read the RateCity Credit Cards Guide for more insight into different credit card types, as well as handy tips to help find the top credit cards for your specific requirements.

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