Compare credit card interest rates

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 23 Jan 2019

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With so many credit cards available in Australia, it can be overwhelming deciding what one is right for you.

It’s important to do a product comparison to make sure you’re getting the most value.

A simple way to do this is to use RateCity’s credit card comparison tool.

Things to consider when comparing credit cards

To help you figure out what you’re after, consider the following things carefully when doing a credit card product comparison:

Interest rate

Interest rates vary significantly between cards. If you know you’ll struggle to pay the full balance of your credit card off on time every month, it might pay to pick a card with a low interest rate, instead of a high-rate card with lots of rewards.

Interest-free days

Most credit cards offer an interest free period of between 40 and 55 days. If you know you may need a little extra time to pay off your debt, looking for a card with more interest-free days may suit you.

Credit limit

Credit limits can start from just a few hundred dollars and run into the tens of thousands, sometimes even into the hundreds of thousands. Chose a credit card with a limit that works with your budget. Think about what you will use the card for; just to book the odd flight and a bit of online shopping, or will you be putting almost every purchase you make on it? If you struggle to pay back debt, choose a card with a sensible credit limit. You don’t want to get stung paying lots of interest.

Annual fee

There are many credit cards available with zero or very low annual fees. Usually these cards also have no or few rewards. If you don’t plan to use your credit card much, or only in emergencies, a credit card with no annual fee might work. However, if you plan to spend a lot on your credit card, it might be worth choosing a card with an annual fee, if the benefits of the card are worth more than that annually to you.

Rewards

When it comes to rewards, there is an almost endless list of benefits and perks offered by various credit cards. Look for a credit card that has benefits that you will use. For example, if you travel a lot, then look for a card offering frequent flyer points and complimentary travel insurance. Many cards also offer shopping perks, cashback rewards and entertainment perks. It’s worthwhile adding up the rewards to see if they’re worth more to you than the fees associated with the credit card.

What type of credit card will suit me best?

When doing a credit card product comparison, there are three main types of cards you’ll encounter:

Standard

If you don’t use your credit card too often, a standard card may suit you. It’s basic, in that it usually doesn’t offer any rewards. However, standard cards often have a lower interest rate and fees than gold and platinum cards.

Gold

This is a mid-level credit card that offers good rewards and a competitive interest rate. The fees are sometimes a little higher than standard credit cards, but it comes with many more features like extended warranties and rewards points every time you use your gold credit card.

Platinum

This is the credit card for high-rollers. It offers the most lucrative rewards and perks, but also usually comes with the highest fees and interest rates. It’s often the choice of card for people who travel a lot, as it offers excellent domestic and international travel perks.

For a full guide to help you make a credit card product comparison, RateCity has put together a handy credit cards guide.

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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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