Find the Perfect Credit Card for You

Get personalised service, compare offers and apply for the credit card that serves you best. Have a question? Our site founder and credit card expert, Roland Bleyer, answers all questions. Get professional assistance like no other comparison site can deliver.

Purchase rate

Balance transfer

Annual fee

HSBC Platinum Credit Card – 0% Balance Transfer Offer

5 reviews
$0 saved over 22 months

0% Balance transfer credit cards

See how much a balance transfer could save you

HSBC Platinum Credit Card – 0% Balance Transfer Offer

5 reviews
$0 saved over 22 months

Citi Rewards Platinum Credit Card Balance Transfer

24 reviews
$0 saved over 26 months

St.George Vertigo Credit Card

19 reviews
$0 saved over 18 months

Frequent flyer credit cards

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

7 reviews
points earned over 12 months

8 reviews
points earned over 12 months

6 reviews
points earned over 12 months

No annual fee credit cards

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

Latitude 28° Global Platinum Mastercard

34 reviews
$0 saved over months

Virgin Money No Annual Fee Credit Card

15 reviews
$0 saved over 12 months

St.George No Annual Fee Credit Card

6 reviews
$0 saved over 12 months

Best Credit Cards December 2019

We are the credit card experts. We started online credit card comparison in Australia in 2005. We have seen sooooooo many offers come and go over the past 15 years. Our founder and expert still answers all the questions on the site, ensuring you get the best assistance possible. Let CreditCard.com.au guide you to find the right credit card for your needs.
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

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61 questions (showing the latest 10 Q&As)

ELONA

ELONA

22 November 2019
Hi again Ronald, Please advise what is exactly Balance Transfer rate? Some of the banks offer 0% on the certain amount of time, like 6 or 9 month, some have 1.5%. What we should know before choosing CC about those BT?
Elona

Elona

21 November 2019
Hi Roland, I am looking for my first CC to cover surgery for my dog and use the advantage of 0% interest to pay off my debt in 6 to 8 months. Not sure which one to choose? Shall I look for no purchase fee? Will really appreciate your advice. Oh yes, I check Bendigo Bank offers 15 month 0% and no BT fee, is that good?
Patricia Surace

Patricia Surace

21 November 2019
I would like a credit card that offers 0% balance transfer, qantas frequent flyer points and 0% on new purchases (for a period of time)..whats your best recommendation?
Chad

Chad

29 October 2019
Hi, Currently have home loan and CC with Westpac - All linked and pay CC in full each month. Also have Westpac Premier Advantage package ($395 annually / Provides discount on home loan interest rate and waiving of CC annual fee - Altitude Black Rewards). Avg spend on CC would be around $7k/month Due to fact Westpac doesn't support Apple Pay, i'm looking for an alternative card. I'm thinking having a rewards card will work ok and provide value as long as pts are uncapped and fee isn't too large. eg: NAB Rewards Platinum / Any others i should look closer at? Secondly - Is it possible to have something setup so that this new CC is paid in full each month from our Westpac home loan? Thanks in advance. BTW: Great website!!!! After your recommendation on
Chris Harold

Chris Harold

18 October 2019
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Chris Harold

Chris Harold

18 October 2019
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Chris Harold

Chris Harold

18 October 2019
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Roland

Roland

18 October 2019
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Chris Harold

Chris Harold

17 October 2019
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Chris Harold

Chris Harold

17 October 2019
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Uzz

Uzz

18 September 2019
Thanks a lot great answers i completely understand now.. I am interested in american express business credit card you told me yesterday i did visit their website i think they are bit strict with the policies you think i will be approved for that card?? Also in other cases can you tell me few other cards those are lenient and east to get approved? Thanks again roland
Uzz

Uzz

17 September 2019
Hi roland Thanks again for amazing information..but just one last thing i got confuse.. my current business name is more than one year old if i transfer same business name into PTY.LTD that means my time in business will start from zero again?
Uzz

Uzz

17 September 2019
Hi roland They all seem very nice cards as they all Coming with qantas points and i have to Travel overseas a lot for business purposes.. Last thing i wanted to know my plan is to register my business name as pty.ltd soon..so i make my business a private company will i have more and better options for credit card or will be same?
Uzz

Uzz

17 September 2019
Something between $3000 to $5000 snd yes i can make business purchasee through amex..
Uzz

Uzz

17 September 2019
Thanks for the last answer i am very satisfied the way you expalained.. The next question is..so i have business name only not company.. my last year turnover was $65000 and my income from my full time job was $60000 so combine $125000.. i have two credit cards with total limit of $20000 and my credit score is 660.. if i wanna credit card on my business name what credit card are the best options for me?? Thanks
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