Compare the best credit cards^ from a range of lenders

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 22 May 2018

Now showing 1 - 20 of 48 Compare Credit Cards
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Platinum Credit Card
Balance Transfer0% p.a. balance transfer for 22 months (with a 2% balance transfer fee). $0 first year annual fee
Purchase Rate
19.99%
Interest Free Days
55
Annual Fee
$0
Card limit
No set max
Compare
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Virgin Australia Velocity Flyer Card (Balance Transfer & Points Offer)
Balance TransferEarn 3 bonus Velocity Points on top of your standard earn rate for each eligible $1 spent per month in the first 3 months and 0% p.a. on balance transfers for 18 months when you apply by 30 April 2018
Purchase Rate
20.74%
Interest Free Days
44
Annual Fee
$64for 12 months then $129
Card limit
$30,000
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Vertigo Platinum
Balance TransferOnline only - 0% p.a. for 24 months on balance transfers requested at card application (1% BT Fee Applies). Rate then switches to applicable variable cash advance rate. $0 annual card fee for the first year (saving you $99).
Purchase Rate
12.74%
Interest Free Days
55
Annual Fee
$0for 12 months then $99
Card limit
$80,000
Compare
Low Rate Platinum
Balance Transfer0% p.a. on balance transfers for the first 15 months. No Balance Transfer Fee.
Purchase Rate
11.49%
Interest Free Days
55
Annual Fee
$99
Card limit
No set max
Compare
Gold Low Rate
Purchase Rate
11.8%
Interest Free Days
0
Annual Fee
Card limit
No set max
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Frank Credit Card
Purchase Rate
11.99%
Interest Free Days
55
Annual Fee
Card limit
$15,000
Compare
Low Rate Mastercard
Special$0 annual fee for the first year when you apply by 30 June 2018
Purchase Rate
11.99%
Interest Free Days
55
Annual Fee
$0for 12 months then $45
Card limit
No set max
Compare
Low Rate Platinum Mastercard
Purchase Rate
11.99%
Interest Free Days
55
Annual Fee
$89
Card limit
No set max
Compare
Low Rate First Mastercard (ages < 25)
Purchase Rate
11.99%
Interest Free Days
55
Annual Fee
$29
Card limit
No set max
Compare
Low Rate Card
CashbackReceive $100 cashback when you apply by 30 April 2018. Offer applies when you spend $500 per month for the first 3 months.
Purchase Rate
11.99%
Interest Free Days
44
Annual Fee
$49
Card limit
$30,000
Compare
Low Rate
Balance Transfer0% p.a. on balance transfers for the first 15 months. No Balance Transfer Fee.
Purchase Rate
12.49%
Interest Free Days
55
Annual Fee
$58
Card limit
No set max
Compare
Vertigo Platinum
Balance TransferOnline only - 0% p.a. for 24 months on balance transfers requested at card application (1% BT Fee Applies). Rate then switches to applicable variable cash advance rate. $0 annual card fee for the first year (saving you $99).
Purchase Rate
12.74%
Interest Free Days
55
Annual Fee
$0for 12 months then $99
Card limit
$80,000
Compare
Standard Card
Purchase Rate
12.74%
Interest Free Days
0
Annual Fee
$55
Card limit
$20,000
Compare
Low Rate Credit Card
Balance Transfer0% p.a. balance transfer for 20 months (with a 2% balance transfer fee)
Purchase Rate
13.25%
Interest Free Days
55
Annual Fee
$79
Card limit
No set max
Compare
Low Rate Card
Balance TransferExclusive online special: 0% p.a. on balance transfers for 26 months (2% BT fee applies) then reverts to variable cash advance rate. Offer ends 11 June 2018.
Purchase Rate
13.49%
Interest Free Days
55
Annual Fee
$0for 12 months then $59
Card limit
$25,000
Compare
Low Rate Card
Balance Transfer0% p.a. on balance transfers for 6 months
Purchase Rate
0%for 6 months then 13.99%
Interest Free Days
55
Annual Fee
$59
Card limit
No set max
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%
Interest Free Days
55
Annual Fee
$100
Card limit
No set max
Compare
Platinum
Purchase Rate
17.99%
Interest Free Days
55
Annual Fee
$125
Card limit
No set max
Compare
Rewards Platinum
Bonus PointsReceive 65,000 Bonus Rewards Points
Purchase Rate
18.79%
Interest Free Days
55
Annual Fee
$0for 12 months then $95
Card limit
No set max
Compare
Rewards
Bonus PointsReceive 25,000 Bonus Rewards Points
Purchase Rate
18.79%
Interest Free Days
44
Annual Fee
$0for 12 months then $80
Card limit
No set max
Compare
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There is no one-size-fits-all credit card, so if you’re thinking about getting one, it’s important to do some research to choose one that will give you the most benefits in the long term.

Here are some of the key factors to consider when comparing credit cards.

Your spending habits

The way you plan to use your credit card will influence which type of credit card is best for you. Typically, credit card usage falls into one of the two categories:

  • Paying off the balance in full each month – Whether you spend a lot or a little on your credit card, if you plan to pay off the balance in full in each month, you may not be so concerned with finding a low-interest credit card. In this instance, you may want to look for a card that offers rewards and benefits for spending instead.
  • Making some payments each month – If you’ll need your credit card for expenses but probably won’t be able to pay it off each month, you may want to choose a card with a low interest rate so you minimise the amount of interest charges you accrue.

Compare credit card interest rates

Once you’ve considered your spending habits, you’ll be in a good position to choose which type of interest rate card is going to suit you. There are some common types of interest rates for most credit cards:

  • Low interest rate – The draw of these types of cards is that they have a relatively low interest rate, but they usually don’t come with many other rewards or benefits. They also typically come with an annual fee.
  • Standard interest rate – These credit cards generally have a higher interest rate, but also come with other benefits such as the ability to earn rewards for spending, cashback, or waive an annual fee.
  • Introductory offer – Some cards offer a low interest rate or interest-free period for a specified timeframe after you sign up. Keep in mind that the interest rate can rise steeply after the introductory period expires.

Compare credit card rewards

If you’re comfortable with the interest rate, you may want to consider a credit card with a rewards program. Some of the perks you may be able to receive for spending include:

  • Travel rewards – Frequent flyer miles to put towards flight upgrades, airport lounge access, travel insurance, accommodation, etc.
  • Merchandise – Points to put towards items such as electronics, appliances and event tickets.
  • Cashback – Points you can redeem for cash, usually credited back to your account.
  • Gift cards – Department store vouchers, fuel vouchers and the like.
  • Events – Exclusive access to pre-sale tickets, discounted tickets, VIP event access, etc.

Compare credit card fees

Aside from the interest rate, many credit cards come with a number of fees. Some of the common fees to consider include:

Annual fee – Annual fees can range from $0 to well into the hundreds. Make sure to weigh up whether the benefits and other perks of the card are worth the cost.

Cash advance fee – When you withdraw money at an ATM, you might have to pay a fee and a higher interest rate on that transaction amount.

Late payment fee – If you don’t make your minimum repayment on time each month, you may be charged a late payment fee.

Overseas fees – There are a number of fees associated with overseas spending, such as currency conversion fees, foreign transaction fees and foreign ATM charges.

There are other fees out there as well, so it’s always advisable to read the fine print before committing to a credit card.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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