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We compare 200+ Australian credit cards

Established in 2005, our service is 100% free and Australian owned and operated.
Compare and apply for your new credit card. Financial licensed and secured for peace of mind.

A visual comparison experience

The more full the circle or bar, the better that feature is compared to other cards.
Compare faster and more easily than ever before with Australia's most advanced credit card comparison site.

0% Balance transfer credit cards

See how much a balance transfer could save you

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Westpac Low Rate credit card

Westpac Low Rate credit card

304 reviews

Apply by 2 Apr 19

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$0 saved over 24 months
Your savings
$ saved over 24 months
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Citi Rewards Platinum Credit Card

Citi Rewards Platinum Credit Card

22 reviews
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$0 saved over 26 months
Your savings
$ saved over 26 months
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Virgin Australia Velocity Flyer Credit Card

Virgin Australia Velocity Flyer Credit Card

57 reviews

Apply by 30 Apr 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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10 reviews

Apply by 31 Mar 19

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points earned over 12 months
1 point
16.77% Complete (success)
Qantas Frequent Flyer
120,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$425
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
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3 reviews

Apply by 14 Apr 19

More info
points earned over 12 months
1.25 points
16.77% Complete (success)
Qantas Frequent Flyer
100,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$450
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
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17 reviews

Apply by 31 Mar 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
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No annual fee credit cards

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

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28 Degrees Platinum Mastercard

28 Degrees Platinum Mastercard

29 reviews
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$0 saved over months
Your savings
$ saved over months
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Qantas American Express Discovery Credit Card

Qantas American Express Discovery Credit Card

1 review
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$0 saved over 12 months
Your savings
$ saved over 12 months
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Citi Simplicity Credit Card

Citi Simplicity Credit Card

4 reviews
More info
$0 saved over 6 months
Your savings
$ saved over 6 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

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