Search and compare some of the best credit cards^

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 24 Jul 2018

Now showing 1 - 20 of 23 Search Credit Cards

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Promoted
Qantas Discovery Card
Balance Transfer0% p.a. on balance transfers for the first 12 months. A one-off credit establishment fee of 1% applies.
Purchase Rate
20.74%
Interest Free Days
44
Annual Fee
Card limit
$25,000
Compare
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%
Interest Free Days
55
Annual Fee
$129
Card limit
$30,000
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%
Interest Free Days
55
Annual Fee
$49
for 12 months then $149
Card limit
$100,000
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%
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
Standard Card
Purchase Rate
12.74%
Interest Free Days
0
Annual Fee
$55
Card limit
$20,000
Compare
Low Rate Credit Card
Purchase Rate
13.25%
Interest Free Days
55
Annual Fee
$79
Card limit
No set max
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
Balance Transfer0% p.a. on balance transfers for the first 18 months
Purchase Rate
19.74%
Interest Free Days
55
Annual Fee
$0
for 12 months then $87
Card limit
No set max
Compare
First
Balance Transfer0% p.a. on balance transfers for the first 18 months
Purchase Rate
19.74%
Interest Free Days
44
Annual Fee
$30
Card limit
No set max
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%
Interest Free Days
55
Annual Fee
$0
for 12 months then $49
Card limit
No set max
Compare
Platinum Credit Card
Purchase Rate
19.99%
Interest Free Days
55
Annual Fee
$0
for 12 months then $129
Card limit
No set max
Compare
Qantas Rewards Signature Card
Purchase Rate
19.99%
Interest Free Days
44
Annual Fee
$295
for 12 months then $395
Card limit
No set max
Compare
Simplicity
Balance Transfer0% p.a. for 15 months on balance transfers and 5% cashback of up to $1,000 spend in the first 90 days (max $50 cashback) when you apply by 31 July 2018
Purchase Rate
19.99%
Interest Free Days
55
Annual Fee
Card limit
$100,000
Compare
Virgin Australia Velocity High Flyer Card
Bonus PointsEarn up to 80,000 bonus Velocity Points when you apply by 2 September 2018. Offer applies if you spend $3,000 or more every month on eligible transactions for the first 5 months.
Purchase Rate
20.74%
Interest Free Days
44
Annual Fee
$289
Card limit
$50,000
Compare
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 2 September 2018.
Purchase Rate
20.74%
Interest Free Days
44
Annual Fee
$64
for 12 months then $129
Card limit
$30,000
Compare
Virgin Australia Velocity Flyer Card (Purchase & Balance Transfer Offer)
Purchase Offers0% p.a. for 14 months on purchases when you apply by 2 September 2018.
Purchase Rate
0%
for 14 months then 20.74%
Interest Free Days
44
Annual Fee
$129
Card limit
$30,000
Compare
Qantas Ultimate Card
Bonus PointsReceive 55,000 bonus Qantas Points when you apply online, are approved and spend $3,000 on your new Card within the first 3 months of Card membership.
Purchase Rate
20.74%
Interest Free Days
44
Annual Fee
$450
Card limit
$50,000
Compare
Velocity Platinum Card
Bonus PointsReceive 50,000 bonus Velocity Points when you apply online and spend $3,000 within the first 3 months. 0% p.a. on balance transfers for 12 months
Purchase Rate
20.74%
Interest Free Days
55
Annual Fee
$375
Card limit
$50,000
Compare
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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:

  • Maximum interest-free days
  • No fees
  • Low interest rate
  • Balance transfer
  • Maximum credit limit
  • Rewards and special offers
  • Frequent flyer points

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 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.

Visa or Mastercard?

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.

How do I choose a credit card?

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.

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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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