7.90%
p.a
for up to 6 months, then 11.50%
55
$0
$10
13.45%
p.a
55
$0
$0
14.45%
p.a
55
$39
11.99%
p.a
55
$0
for 12 months then $49 thereafter
$0
special
Every time you spend money using your First Option Low-Rate Visa credit card you contribute 0.25% directly to funding biodiversity programs run by our program partners.10.49%
p.a
45
$0
for 12 months then $48 thereafter
$0
Bonus Points
180,000 extra ANZ Reward Points and $150 back to your new ANZ Rewards Black credit card when you spend $3,000 on eligible purchases in the first 3 months from approval.*20.49%
p.a
55
$375
$20
special
Get $250 back to your new card when you spend $1,500 on eligible purchases in the first 3 months from approval.13.74%
p.a
55
$58
$20
Bonus Points
Earn 40k Bonus Qantas Points With $4.5 k Spend in 3 Months ($49 p.a. to Earn Qantas Points). 0% p.a. for 12 months on balance transfers - reverts to cash advance rate. T&Cs apply.20.74%
p.a
55
$178
$30
Bonus Points
80,000 ANZ Reward Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $2,000 on eligible purchases in the first 3 months from approval.20.49%
p.a
55
$149
$20
Balance Transfer
0% p.a. for 28 months on balance transfers with 2% balance transfer fee and $0 annual fee in first year.*13.74%
p.a
55
$0
for 12 months then $58 thereafter
$20
Cashback
$100 back to your new ANZ First credit card when you spend $750 on eligible purchases in the first 3 months from approval, plus $0 annual fee in the first year. T&Cs apply.20.49%
p.a
55
$0
for 12 months then $30 thereafter
$20
Cashback
Earn $300 back to your new ANZ Platinum card when you spend $1,500 on eligible purchases in the first 3 months from approval.*20.49%
p.a
55
$0
for 12 months then $87 thereafter
$20
10.76%
p.a
55
$0
for 12 months then $30 thereafter
$10
Balance Transfer
0% balance transfer for 12 months12.49%
p.a
55
$0
$8
Bonus Points
60,000 bonus Qantas Points plus 0% p.a. interest on balance transfers for 24 months19.49%
p.a
55
$99
for 12 months then $124 thereafter
$15
Bonus Points
Earn 90,000 Bonus Qantas Points + 0% p.a. on balance transfers for 24 months.19.49%
p.a
55
$295
$15
Balance Transfer
100,000 bonus Amplify Points, $49 first year annual fee, and 0% p.a. on balance transfers for 24 months19.49%
p.a
55
$49
for 12 months then $124 thereafter
$15
Bonus Points
150,000 Amplify Points, $199 Annual Fee, and 0% balance transfers for 24 months19.49%
p.a
55
$199
for 12 months then $295 thereafter
$15
Balance Transfer
0% for 32m BT (1% fee)13.99%
p.a
55
$55
$15
20.74%
p.a
55
$0
$15
18.99%
p.a
55
$0
for 12 months then $79 thereafter
$0
Bonus Points
Receive 120,000 bonus Suncorp Credit Card Rewards Points when you spend $3,000 on Eligible Transactions in the first 90 days from approval.20.74%
p.a
55
$99
for 12 months then $129 thereafter
$30
0.00%
p.a
for up to 6 months, then 12.74%
$0
for 12 months then $55 thereafter
$30
7.90%
p.a
for up to 6 months, then 11.50%
55
$0
$10
Balance Transfer
Up to 80,000 bonus Velocity Points + Balance Transfer 0% p.a. for 12 months20.74%
p.a
44
$289
$30
Bonus Points
Earn up to 120,000 bonus Qantas Points.19.99%
p.a
45
$150
for 12 months then $295 thereafter
$15
Bonus Points
Earn 120,000 bonus Altitude Points and reduced first year annual card fee.19.99%
p.a
45
$49
for 12 months then $175 thereafter
$15
Bonus Points
Earn 70,000 bonus Qantas Points and a reduced first year annual card fee.19.99%
p.a
45
$99
for 12 months then $175 thereafter
$15
Bonus Points
Earn 150,000 bonus Altitude Points.19.99%
p.a
45
$150
for 12 months then $295 thereafter
$15
9.90%
p.a
45
$108
$0
Balance Transfer
0% for 28 months on balance plus $0 annual fee for the first year13.74%
p.a
55
$0
for 12 months then $59 thereafter
$15
8.99%
p.a
55
$40
$25
Balance Transfer
0% for 32m BT (0% fee)13.99%
p.a
55
$0
for 12 months then $55 thereafter
$15
Balance Transfer
0% p.a. on balance transfers for 12 months (3% BT fee applies).19.74%
p.a
44
$90
$15
19.99%
p.a
55
$349
for 12 months then $399 thereafter
$30
8.99%
p.a
for up to 6 months, then 18.95%
55
$0
$9
25.80%
p.a
110
$99
$35
19.99%
p.a
55
$149
$15
special
Use your virtual card instantly once approved (typically within 60 minutes). Tap n Pay with up to 55 days interest free, ability to transfer money to anyone, exclusive perks & much more.18.74%
p.a
55
$0
$15
Balance Transfer
0% p.a. on balance transfers for 6 months8.99%
p.a
55
$40
$25
special
No interest, No use No pay, No foreign fees0.00%
p.a
$0
Balance Transfer
3.99% p.a. 6 month introductory rate on balance transfers, purchases and cash advances.3.99%
p.a
for up to 6 months, then 8.99%
55
$45
$20
Bonus Points
100,000 Flybuys bonus points when you spend $5,000 on eligible purchases within 90 days from approval0.00%
p.a
for up to 6 months, then 21.49%
55
$199
$30
0.00%
p.a
$0
Bonus Points
Earn up to 120,000 bonus Velocity Points19.99%
p.a
45
$150
for 12 months then $295 thereafter
$15
Bonus Points
Earn 70,000 bonus Velocity Points and reduced first year annual card fee.19.99%
p.a
45
$99
for 12 months then $175 thereafter
$15
Bonus Points
You’ll get 80,000 bonus Velocity Points when you spend $5,000 on eligible purchases within 90 days from approval.21.49%
p.a
55
$99
for 12 months then $199 thereafter
$30
20.99%
p.a
55
$420
$20
0.00%
p.a
$0
$0
0.00%
p.a
$0
$0
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 and identify the features that appeal to you the most, such as:
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 annual 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.
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 Google 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.
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.
^The best credit card for you and your personal finances may not be the best credit card for someone else with different financial circumstances. Before selecting a credit card, it's worth looking at the interest rates, fees, features, benefits and special offers to make sure you're getting value that suits your needs. If you're not sure which credit card provider offers the best option for you, consider contacting a qualified financial adviser.
Promoted
Visa Credit Card
14.45%
p.a
$39
Promoted
Low Rate Card
11.99%
p.a
$0
for 12 months then $49 thereafter
Promoted
Teachers Credit Card
7.90%
p.a
for up to 6 months, then 11.50%
$0
Promoted
Visa Credit Card
13.45%
p.a
$0
