Compare and Apply for 250+ Australian Credit Cards

Read detailed CreditCard.com.au reviews and user ratings. Earn more rewards and save money on fees and interest. Compare and apply for your new credit card in minutes. Financial licensed and secured for peace of mind.

Purchase rate

Balance transfer

Annual fee

ANZ Low Rate Credit Card

ANZ Low Rate Credit Card

57 reviews
More info
$0 saved over 15 months
Your savings
$ saved over 15 months
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0% Balance transfer credit cards

See how much a balance transfer could save you

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Citi Rewards Platinum Credit Card

Citi Rewards Platinum Credit Card

24 reviews

Apply by 30 Nov 19

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$0 saved over 26 months
Your savings
$ saved over 26 months
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HSBC Platinum Credit Card – 0% Balance Transfer Offer

HSBC Platinum Credit Card – 0% Balance Transfer Offer

2 reviews

Apply by 30 Sep 19

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$0 saved over 22 months
Your savings
$ saved over 22 months
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Virgin Australia Velocity Flyer Credit Card

Virgin Australia Velocity Flyer Credit Card

61 reviews

Apply by 31 Aug 19

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$0 saved over 18 months
Your savings
$ saved over 18 months
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Frequent flyer credit cards

Earn frequent flyer points on your credit card spend with bonus points offers

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5 reviews
More info
points earned over 12 months
1 point
16.77% Complete (success)
Qantas Frequent Flyer
120,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$295
first year
16.77% Complete (success)
then $395 p.a.
Your points
$120,000 saved over 12 months
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10 reviews
More info
points earned over 12 months
1 point
16.77% Complete (success)
Qantas Frequent Flyer
100,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$425
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

11 reviews

Apply by 31 Dec 19

More info
points earned over 12 months
1 point
16.77% Complete (success)
Qantas Frequent Flyer
N/A
-1% Complete (success)
Qantas Frequent Flyer
$0
first year
16.77% Complete (success)
then $79 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

No annual fee credit cards

Stop paying an annual fee but still get access to rewards and more

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Latitude 28 Degrees Global Platinum Mastercard

Latitude 28 Degrees Global Platinum Mastercard

33 reviews
More info
$0 saved over months
Your savings
$ saved over months
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ME Frank Credit Card

ME Frank Credit Card

24 reviews
More info
$0 saved over months
Your savings
$ saved over months
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Virgin Money No Annual Fee Credit Card

Virgin Money No Annual Fee Credit Card

15 reviews

Apply by 31 Aug 19

More info
$0 saved over 36 months
Your savings
$ saved over 36 months
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Credit Card Experts

We are the credit card experts. Our founder started online credit card comparison in Australia in 2005. He still answers all the questions on the site. Let CreditCard.com.au guide you on your credit card journey.
Roland Roland Bleyer founder I have extensive knowledge about credit cards in Australia and am known as a credit card expert. I have been featured in 2019 on tv and in various publications. I personally answer all questions to help you select a better suited credit card.

Use credit cards wisely thanks to our free online courses

I receive streams of questions every day from people just like you wanting to know more about credit cards or how to use them better. The truth is that only a small percentage of the population actually understand credit cards and how to get the best out of them. Knowledge is power and frankly its difficult to cut through all the sales hype and really work out what card would be best for your personal situation. That’s why I created Credit Card EDU. An online place where you can study a range of credit card topics anytime on mobile, tablet or desktop. Please let me know what you think and congratulations if you pass the final exam and receive your certificate.

What to look for in a credit card

Looking at how you use your card will tell you what features in a credit card that works best for you.

If you pay off your balance in full each billing cycle. This gives you access to interest free days on most cards. Paying off your card each month will also assist you in avoiding interest. If you are this type of credit card user. Then the interest rate should not be a concern. You should be looking at cards that will earn rewards on your spent. Look at features that you will use e.g. overseas travel insurance. Map out your average monthly spend to see what rewards card could be right for you.

If you currently have credit card debt. Then a balance transfer could be an option for you.

Firstly, what is a balance transfer? You currently have credit card debt. You are approved for a new balance transfer credit card. Your new bank makes a payment on your behalf off your old card. The debt is transferred from your old card to your new card.You receive a special interest rate, typically 0% for up to 2 years.

Some key points are that a balance transfer must be between different banks e.g. Commbank to Westpac. You can only transfer your own debt – not your partners or family. The simple online application process takes around 10-15 mins. You must have good credit to get approved for a new balance transfer credit card.

If you are not spending much on your credit card or use it very infrequently. Then it's likely that a no annual fee or low annual fee product could suit. These cards tend to have interest rates around 20%. So if you do hold a balance this is still a concern. Though if you do pay off your balance in full each billing cycle. Then not paying an annual fee can work in your favour.

Australian’s spend over one million dollars a day just on credit card foreign fees. If you like to travel or spend online in overseas currencies. Then you should look at a card that offers no foreign fees on purchases. An important point is to also understand what exchange rate the card is using.

Recently Asked Questions

Something you need to know? Ask a our credit card expert a question.

Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

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31 questions (showing the latest 10 Q&As)

Chris Harold

Chris Harold

15 August 2019
This is a test
Jag

Jag

6 August 2019
Hi I’m CBA and need to pay my credit card $10k .I want to transfer it to other bank,Just wondering does BT effects the credit history? Thanks and please advise me a good option. Thanks again
chiragkumar patel

chiragkumar patel

12 July 2019
can i apply car loan on 500 credit score?
Shane

Shane

11 July 2019
Hi i need a balance tranfer from my credit card to another of 50k please
Lisa

Lisa

23 June 2019
Hi Roland,I am going overseas for a month and I wanted to apply for a credit card. I have never had one before so I am not sure which one to go for. Are you able to help with my inquiry?Kind Regards, Lisa
Jonathan Lewis

Jonathan Lewis

1 June 2019
Looking in some form of credit or fuel card I fill up a couple of times a week mainly home to work. Looking to keep all my car costs in one place and benefit from rewards or discount? What would you recommend
Rebecca ekyd

Rebecca ekyd

24 May 2019
Lost my card replacement needed
Tiffany

Tiffany

22 May 2019
I have a small business and looking at getting a credit card for my business. I am currently setup as a sole trader with ABN and registered gst Which product do you recommend for me please Abn 78009417122 Pet Waggin Pet Transport Thanks Tiffany 0424 617 149
John

John

22 May 2019
Hi roland, firstly thanku for your time,. Secondly I'm a property investor with many properties so most of my current quarterly large spending are on items such as rates, utilities and insurances. My quarterly spend overall would amount to at least $30000. So with most spending on government bodies (rates and utilities) which card would be best for collecting points or miles. Looking also for lounge access and whatever other freebies. We are planning to do a fair bit of international travel over the next few years Cheers
V

V

11 May 2019
Hi Roland, you mentioned that you used your mobile when you go online to pay each and every week while traveling to protect yourself against any frauds.Have you considered any possibilities that when arriving to a location to encounter issues with internet connection? If you are suggesting going to an internet cafe, consider that by logging at an internet cafe onto your personal financial account, you are already opening doors for your account to be compromised.For us having a debit card, we are putting in money to save for the travel and safeguard ourselves in carrying too much hardcash to be robbed. It is not us going away for just one or two days, it can be for months and we need to know that the money that we have there will see us through. Going away on holidays mean to enjoy ourselves instead of spending our time at internet cafes or constantly being reminded on going online to make payments. Please note that not everyone has that luxury and time to go online every week religiously.How can you expect anyone to religiously access their accounts to make payments while on holidays unless you are implying that you are one of those people traveling by fully packaged tours - luxury hotels and fully provided tours without any travel logistics to be concern about on a daily basis.
Ida

Ida

4 May 2019
I would like to apply for a lombardo credit card but having difficulty getting the link
Afaq Ahmad Khan

Afaq Ahmad Khan

16 April 2019
This is a test from home?
Roland

Roland

3 April 2019
hi there
Evan

Evan

31 March 2019
Can I get approval for credit even if I started a new job as a casual recently
Opulent

Opulent

27 March 2019
I am looking for applying a credit card.
Hassan

Hassan

25 March 2019
Hi RolandWell done on your website.Which credit card/s offer all the following:1. Complimentary car hire insurance in Australia and overseas. 2. Complimentary travel insurance. 3. Highest reward points.Thanks and regardsHassan
Christian verdugo

Christian verdugo

25 March 2019
Need to find out my credit score
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