Find and compare 20,000+ bonus point credit cards

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Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$80

$20

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Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$375

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$95

$20

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Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$295

$20

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Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$425

$20

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Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$95

$20

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Purchase Rate

21.49%

Interest Free Days

55

Annual Fee

$49

for 12 months then $149

$30

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$99

for 12 months then $129

$10

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Purchase Rate

20.70%

Interest Free Days

55

Annual Fee

$99

$35

More details

Purchase Rate

20.70%

Interest Free Days

55

Annual Fee

$149

$35

More details

Purchase Rate

20.70%

Interest Free Days

55

Annual Fee

$99

$35

More details

Purchase Rate

20.70%

Interest Free Days

55

Annual Fee

$149

$35

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$250

$15

More details

Purchase Rate

20.74%

Interest Free Days

55

Annual Fee

$395

$30

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Purchase Rate

20.74%

Interest Free Days

44

Annual Fee

$450

$30

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Purchase Rate

20.74%

Interest Free Days

55

Annual Fee

$375

$30

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Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$99

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$139

for 12 months then $279

$15

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$99

for 12 months then $129

$20

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$99

$15

More details

Purchase Rate

20.49%

Interest Free Days

45

Annual Fee

$250

$15

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$160

$25

More details

Purchase Rate

20.74%

Interest Free Days

55

Annual Fee

$64.5

for 12 months then $129

$30

More details

Purchase Rate

19.99%

Interest Free Days

55

Annual Fee

$49

$30

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$249

$20

More details

Purchase Rate

20.74%

Interest Free Days

44

Annual Fee

$295

$30

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$295

$15

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$295

for 12 months then $395

$15

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$195

$15

More details

Purchase Rate

20.74%

Interest Free Days

44

Annual Fee

$249

$30

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$279

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$99

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$279

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$139

for 12 months then $279

$15

More details

Purchase Rate

20.74%

Interest Free Days

44

Annual Fee

$289

$30

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$279

$15

More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$139

for 12 months then $279

$15

More details

Purchase Rate

20.49%

Interest Free Days

45

Annual Fee

$300

$15

More details

Purchase Rate

20.49%

Interest Free Days

45

Annual Fee

$99

for 12 months then $150

$15

More details

Purchase Rate

20.49%

Interest Free Days

45

Annual Fee

$99

for 12 months then $200

$15

More details

Purchase Rate

19.99%

Interest Free Days

44

Annual Fee

$270

$25

More details

Purchase Rate

20.49%

Interest Free Days

44

Annual Fee

$160

$25

More details

Purchase Rate

19.99%

Interest Free Days

55

Annual Fee

$0

for 12 months then $149

$12.5

More details

Purchase Rate

19.99%

Interest Free Days

55

Annual Fee

$199

for 12 months then $299

$30

More details

Purchase Rate

21.49%

Interest Free Days

55

Annual Fee

$395

$30

More details

Purchase Rate

21.49%

Interest Free Days

55

Annual Fee

$149

for 12 months then $299

$30

More details

Purchase Rate

19.99%

Interest Free Days

55

Annual Fee

$1200

$30

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$59

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$420

$20

More details

Learn more about credit cards

Credit card reward points are an incentive introduced by credit providers to encourage credit card spending. These points are normally awarded per dollar spent on the credit card. The amount of points per dollar can vary depending on the provider as well as the type of card. Premium and platinum cards tend to offer more points per dollar than entry-level reward cards, with some cards providing up to three points per dollar spent. It is important to consider how many points a card provides per dollar before applying.

Are there any credit cards that come with 20,000 bonus points?

Bonus points are common on reward cards. Bonus points are often awarded once a specific level of spending has been reached on the card within an allocated period of time.  These points are normally only awarded for the first year once the spending requirements have been met.

How do you find credit cards that come with 20,000 bonus points?

RateCity provides product information on many of Australia’s major banks and credit lenders. Credit card information and comparison tools can be found on the credit card page. For a full overview of the card, click through to the product page.

Why do credit cards offer bonus points?

Credit card providers offer bonus points to entice new credit card applications on rewards cards. In comparison to low-rate cards, these rewards cards often come with a higher interest rate as well as higher annual fees. Bonus points can be a way for lenders to distract consumers from these high annual fees and higher interest rates.

What are the pros and cons of credit card rewards?

Reward credit cards offer both positive and negative aspects. It is important to weigh up the pros and cons of using a reward credit card over a traditional low-rate card before applying. Reward credit cards incentivise spending; to make the most of your card it is important that you are spending a reasonable amount on the card every month and can pay it off within the interest-free period. The bonus points offered with reward cards are a great way for consumers to make the most of their cards with points redeemable for flights, upgrades and purchases.

It is important to look at both the annual fee and interest rate of the reward card before applying, as many reward cards come with annual fees and a higher interest rate. As bonus points are usually only offered during the first year, it is important to consider whether the card is worthwhile keeping in the long term. Unlike low-rate cards, reward cards are designed to benefit those who spend on the card every month. Annual fees are normally higher on reward cards, so it is important to make sure the value obtainable from the reward points is higher than the annual fee. Individuals who have a low credit card spend may be more suited to a low-rate card with a lower annual fee; choosing a reward card may put them at a loss after the first year.

Frequently asked questions

Can a pensioner get a credit card?

It is possible to get a credit card as a pensioner. There are some factors to keep in mind, including:

  • Annual income. Look for credit cards with minimum annual income requirements you can meet. 
  • Annual fees. If high fees are a concern for you, opt for a card with a low or $0 annual fee. 
  • Interest rate. Make sure you won’t have any nasty surprises on your credit card bill. Compare cards with a low interest rates to minimise risk.

How do you cancel a credit card?

It’s important to cancel your old cards to avoid any additional fees. Unless you’re doing a balance transfer, you’ll need to pay the outstanding balance before you cancel your credit card. If you’ve opted for a card with reward points, make sure you redeem or transfer the points before you close your account. To avoid any bounced payments and save yourself an admin headache, redirect all your direct debits to a new card or account. Once you’ve done all the preparation, call your bank or credit card provider to get the cancellation underway. Once you receive a confirmation letter, destroy your card and make sure the numbers aren’t legible.

How easy is it to get a credit card?

For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.

Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.

Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.

Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.

What's the best credit card for rewards?

There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice. 

Rewards credit cards can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward. 

What should you do when you lose your credit card?

Losing your credit card is a serious situation, and could land you in financial trouble. Here is a simple guide detailing what to do when you lose your credit card.

Lock you card – Contact your provider and inform them about your lost credit card. From here lock, block or cancel your card.

Keep track of transactions – Look out for unauthorised credit card transactions. Most banks protect against fraudulent transactions.

Address recurring charges – If your card is linked to recurring charges (gym membership, rent, utilities), contact those businesses.

Check credit rate – To ensure you’re not the victim of identity theft, check your credit rating a month or two after you lose your credit card.

Should I get a credit card?

Once you've compared credit card interest rates and deals and found the right card for you, the actual process of getting a credit card is quite straightforward. You can apply for a credit card online, over the phone or in person at a bank branch. 

How do you use credit cards?

A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.

Which credit card has the highest annual percentage rate?

The credit card market changes all the time, so the credit card with the highest annual percentage rate is also liable to change.

Keep in mind that credit card interest rates are expressed as a yearly rate, or annual percentage rate (APR). A low APR is generally good but also consider:

  • There can be different APR's for each feature of the card (e.g. purchases may have an APR of 14 per cent, while cash advances on same card could have an APR of 17 per cent.
  • Credit cards with a variable rate can change throughout the year, affecting your APR, so check the full details.
  • If you pay your balance in full every month, having the lowest APR is not as important as the other fees associated with the card. However, if you carry a balance from month to month, then you want the lowest APR possible.

How do you use a credit card?

Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.

What should you do if your credit card is compromised?

Credit card fraud is a serious problem. If your credit card is compromised and you’re wondering what to do, here are a few precautionary steps to take.

Contact you credit provider – Get in touch will your credit card provider. If you feel your card has been compromised, you should be able to lock or block it.

Monitor your accounts – Keep an eye on your credit card accounts. Any unauthorised transactions could be a sign your credit card has been compromised.

Check your credit rating – It’s also important to check your credit rating, to ensure you’re not a victim of identity theft or some other financial mischief.

How to get a credit card for the first time

A credit card can be a useful financial tool, provided you understand the risks and can meet repayment obligations.

If you’re a credit card first-timer, review your options. Think about what kind of credit card would suit your lifestyle, and compare providers by fees, perks and repayments.

Once you’ve selected a card, it’s time to apply. Credit card applications can generally be completed in store, online or over the phone.

When you apply for a credit card for the first time, you must meet age, residency and income requirements. As proof, you must also provide documentation such as bank account statements.

How to make a credit card online

If you’re wondering about how to make a credit card online application, here are some steps to follow:

  • Test the market. Many credit card options are available online. Compare providers by fees, interest and perks to ensure you’re getting the best deal.
  • Complete the application. Once you’ve selected a card, head to the provider’s website and complete the online credit card application form. Forms vary by providers.
  • Provide details. Most cards require you to meet age, residency, income and credit status condition, and you need to provide details like a bank account statement to prove this.
  • Review details. Ensure the information you’ve entered is correct.

How do you apply for a credit card?

You can apply for a credit card online, over the phone or in person at the bank. Once you’ve compared the current credit card offers, the application process is quick and easy. Before you get your application started, you’ll need to gather your personal information like proof of ID, payslips and bank statements, proof of employment and details of your income, assets and liabilities. To be eligible for a credit card, you’ll need to be an Australian citizen over 18 and earn a minimum of $15,000 each year. Once you’ve applied for a credit card, you should get a response fairly instantly. If your credit card application has been approved, you should receive a welcome pack with your new credit card within 10-15 days.

What is a balance transfer credit card?

A balance transfer credit card lets you transfer your debt balance from one credit card to another. A balance transfer credit card generally has a 0 per cent interest rate for a set period of time. When you roll your debt balance over to a new credit card, you’ll be able to take advantage of the interest-free period to pay your credit card debt off faster without accruing additional interest charges. If your application is approved, the provider will pay out your old credit card and transfer your debt balance over to the new card. 

How to pay a credit card

There are a few ways to pay a credit card bill. These include:

  • BPAY - allows you to safely make credit card payments online.
  • Direct debits - set up an automatic payment from your bank account to pay your credit card bill each month. You can choose how much you want to pay of your credit card bill when you set up the auto payments.
  • In a branch.
  • Via your credit card provider's app.

Where can I get a credit card?

Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.

The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.

Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.

Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.

Can I get a credit card on part-time/casual work?

Yes, as credit card providers look at your annual income amount as well as your occupation. Minimum income requirements tend to be between $30,000 – $40,000 for standard and rewards credit cards, however low income credit cards can have minimum income requirements as low as $15,000 per year.

How many numbers are on a credit card?

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 calculate credit card interest

Credit card interest can quickly turn a manageable balance into unmovable debt. So being able to understand how interest rates translate into dollars is an important skill to acquire.

The common mistake people make is focusing on the credit card’s annual percentage rate (APR), which often sits between 15 and 20 per cent. While the APR does provide a rough idea of how much interest you’ll pay, it’s not entirely accurate.

This is because you actually accrue interest on your balance daily, not annually. So, you need to work out your daily periodic rate (DPR). To do this, divide your card’s APR by the number of days in a year (e.g. 16.9 per cent divided by 365, or 0.05 per cent). You can then apply this figure to the daily balance on your credit card.

How is credit card interest charged?

Your credit card will be charged interest when you don’t pay off the balance on your credit card. Your card provider or bank charges you the individual interest rate that is associated with your card, which is usually between 10 and 20 per cent. 

The interest will be added onto your bill each month or billing period if you don’t pay off the balance, unless you are in an interest-free period.

You will be charged interest on anything that hasn’t been paid for inside the interest-free period. Usually you will receive a notice on your bill or statement saying you will be charged interest so you have some form of notice before you’re charged.