About Us

Who We Are

At CreditCard.com.au, we bring together the latest credit card offers, so you can compare the options and find the best credit card for your needs. Why? Quite simply, we want you to find the best credit card for you.

Using our wealth of experience in the industry, we make it easy for you to search for credit cards by comparing their fees and features side-by-side. No need to search multiple sites, sifting through endless ads, out-of-date information and unsuitable options – at CreditCard.com.au, you have everything you need on one site.

Presenting you with credit cards across all major categories, CreditCard.com.au allows you to search for particular types of cards and specific types of offers. You can also search by credit provider or by category, while checking out how much you could save by switching.

At CreditCard.com.au, you can join more than 100,000 Australians in using our site to find a better credit card deal. Providing credit card comparison on more than 30 leading brands from across Australia, this is the place to find the credit card that best suits you.

We know you are an individual. We know you have specific needs. We even understand those needs will change over time. So, whenever you need a new credit card, we are here to help.

More About CreditCard.com.au

CreditCard.com.au is wholly owned by CreditCard.com.au Pty Ltd. As Australia’s premier credit card and consumer finance information resource, CreditCard.com.au is designed to help Australians find and compare credit cards.

Based in Sydney, CreditCard.com.au is 100% Australian owned and operated. With a full understanding of what Australian consumers want and need, we have become an authority in the Australian credit card market, backed by a strong belief that credit cards are a core personal finance product.

Since 2005, we have helped Aussies find and compare credit cards by providing them with a wide range of credit card options. But that’s not all. We believe knowledge underpins the best financial decisions. Which is why we have worked to help Aussie cardholders become better informed.

Using our extensive knowledge of the credit card industry, we have created credit card reviews to help consumers better understand what’s on offer. We have also created guides that outline what to look for in a credit card, empowering visitors to make better-informed financial decisions.

By visiting our website, Australian consumers can find and compare credit card offers online, to then apply directly for the card. Only presenting the latest credit card offers, we eliminate the hassle of searching multiple sites, while reducing the need to filter unsuitable and obsolete offers.

More About Our Team

Australia’s pioneering credit card comparison guru, Roland B Bleyer founded CreditCard.com.au in order to deliver the best credit card offers to Australian consumers. With more than a decade in the industry, Roland has presented thousands of offers over the years, and was responsible for more credit card applications than anyone else, before many of the current players were even in the market.

Dedicated to providing the best range of credit card deals, Roland was the sole editor for CreditCard.com.au for over 15 years. Using his extensive knowledge of the industry, he utilises a comprehensive method of credit card comparison to position all credit cards on this site according to fees, features and extras. This allows potential cardholders to search the range quickly, easily and efficiently, to find the best credit card for their needs.

In 2021, CreditCard.com.au hired money-geek Pauline Hatch. Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Previously a freelance writer and journalist, Pauline was a monthly feature reporter for Your Investment Property magazine, and you’ll often find her running conferences or coaching teams about putting the ‘fun and wow’ back into business leadership.

As a credit card expert, she’s also our resident media spokesperson who’s happy to talk, anytime. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger.

Important Info

CreditCard.com.au is operated by CreditCard.com.au Pty Ltd, ABN 76 646 638 146, Authorised Credit Representative (ACR) no. 528318, AFCA 80717

What We Do

At CreditCard.com.au, we love credit card comparison. We believe that comparing credit cards – and knowing what to look for – is the only way you can find the right credit card for you. That’s why we make it super easy to compare credit cards side-by-side, while providing all the essential knowledge you need to find, compare and apply.

How It Works

What’s the catch? With something this great, there is bound to be a catch, right? Nope. We provide our service to visitors to our site 100% free of charge.

What you get is a wide range of credit card offers, so you can compare them in detail without wasting your time checking out multiple sites and potentially out-of-date info.

In return, we may be paid a small commission by credit card providers when a credit card application is made via the site, or when an applicant is approved. In addition, we sell banner sponsorship opportunities throughout the site, providing space in which credit card providers and other relevant advertisers can showcase their products.

Unlike many of our competitors, we are not paid more money by credit card providers to position certain cards higher in our tables. To make it fair to you, we use a system of merit to position each card according to the key features and special offers available.

Our method of rating each card depends on:

• Interest rates applied to purchases, balance transfers and cash advances.
• The value of introductory interest rates on purchases, balance transfers and cash advances.
• The interest rate that will apply once the introductory offer expires.
• Annual fees that apply as standard, and on introductory offers.
• The merit of all special offers e.g. ‘bonus’ rewards points.
• Standard features, such as the number of interest free days or credit limit available.
• The earning potential of rewards points and relative value of the points earned per dollar spent.
• Any extra benefits, such as instant discounts or complimentary services e.g. free travel insurance and personal concierge service.
• Market acceptance of credit cards and the weight of the transaction premiums/penalties charged by traders.

How We Can Help

Why is finding the right credit card for you so important? While there are plenty of enticing credit card offers out there, not all of them will be right for you. If you apply for a credit card simply because you like the look of a particular offer, you may not be happy in the long term.

Finding the right credit card means first thinking about what you need from a credit card, and then checking out what’s on offer. With our guides, we can help you work out what you need. With our credit card comparison tables and credit card reviews, we can help you find what you need. It’s that easy.

Helping you to avoid cards that aren’t right for you, we can help you find the card that saves you money, the card that rewards your spending, the card that provides the features you find most valuable. This is about more than credit card offers, this is about finding the right fit for you.

Want to learn more about credit cards?

As with so many things in life, when it comes to credit cards, knowledge is power. At CreditCard.com.au, we want to arm you with the knowledge you need to find the best credit card offers, the best credit card features and the best credit card rewards.

If you want to learn more, you can sign up for our newsletter. Helping you to stay in the loop with all things ‘credit card’, signing up for our newsletter will provide you with all the latest news on what’s happening in the market, including exclusive offers, limited time deals, and updates on when providers change their credit card offers.

Our credit card blog provides another way you can stay informed, delivering helpful insight involving credit card tips, credit card offers and how to make credit cards work for you. Further info can be found throughout the site on credit card providers, credit card features and credit card reviews.

Got questions?

If you’ve got a question about credit cards, we aim to answer it. Spend some time in our free credit card edu section to find in-depth information about the different types of credit cards available, how they work, and who they work best for.

You can also find the answers to frequently asked questions at the bottom of many of the site’s pages. If you can’t find the info you’re looking for, you can ‘Ask a Question’ by clicking the button at the bottom of the page.

Want to review a credit card?

We’re not the only credit card experts here. Using the cards on a day-to-day basis, you as a cardholder hold valuable information on the cards in your wallet. Which is why we provide the opportunity for visitors to the site to add their review of their own personal credit card.

If you’d like to leave a review for a credit card so other potential cardholders can work out whether that card is right for them, we make it easy. All you need to do is visit the card’s page on our site, scroll down and click on ‘Add Your Review’.

Get Started

Time to get into it? Before you start your credit card comparison, it’s a good idea to know what to look for. If you don’t have time to read our other handy guides, this two-minute read can provide a good grounding to help you understand what you need and what to look for.

Do you need to transfer a balance from an existing card? A balance transfer offer could help you save on interest over an introductory period, allowing you to pay down more of what you owe. Be aware of how long the intro period lasts and the interest rate any unpaid balance transfers will revert to.

Do you pay off your balance in full each month? Credit cards that offer rewards and features tend to charge higher rates of interest. If you don’t clear your balance by the due date each month, the interest you pay on that balance may negate the value of the rewards and features you receive. A low rate credit card, or clearing your balance each month may be a better option.

Further info on how credit card interest works can be found here, and how interest free days work here.

How often will you use your credit card? If you plan on using your credit card regularly and making the most of the features on offer, you may find value in feature-packed cards, even if they have a higher annual fee. However, if you only plan on using your card occasionally, a card with a low or no annual fee may offer better value.

How much will you spend on your card month-to-month? The amount you spend on your card can affect the value you receive from it. If you are a big spender – and you clear your balance each month – you may get real value from a rewards card. To work out if a card has value in this case, weigh up how much you are paying in annual fees against the value of rewards you receive.

Will you use your card to buy from merchants overseas? If you travel overseas frequently, or you buy from international retailers on a regular basis, you may want to apply for a credit card with lower fees on international transactions. A range of credit cards don’t charge foreign exchange fees, and some charge no overseas ATM fees.

Are you looking for a short term reward or long term benefit? Some people chop and change credit cards regularly. This allows them to find the best deal, take advantage of it, and then move on to the next deal. If this is the case, a card’s introductory offer would typically be of the highest importance.

However, if you are looking for a credit card that benefits you over the long term, it’s a good idea to look beyond any available offer, to see what else the card provides – and costs. In either case, all potential cardholders should read the small print on the card before applying.