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

Bendigo Bank Low Rate Credit Card

3 reviews
$0 saved over 18 months

0% Balance transfer credit cards

See how much a balance transfer could save you

St.George Amplify Platinum Credit Card – Qantas

2 reviews
$0 saved over 22 months

Virgin Australia Velocity Flyer – 0% Balance Transfer

60 reviews
$0 saved over 22 months

Westpac Altitude Platinum Credit Card – Velocity

1 review
$0 saved over 20 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

11 reviews
points earned over 12 months

10 reviews
points earned over 12 months

No annual fee credit cards

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

Virgin Money No Annual Fee Credit Card

16 reviews
$0 saved over 12 months

Latitude 28° Global Platinum Mastercard

35 reviews
$0 saved over months

HSBC Platinum Qantas Credit Card

11 reviews
$0 saved over 12 months

Best Credit Cards February 2020

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.

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87 questions (showing the latest 10 Q&As)

Kelvin Ip

Kelvin Ip

12 February 2020
Hi. I'm currently in Melbourne and on 485 visa which expires in April 2020. I am in the process of applying for permanent residency and already submitted the application with the bridging visa granted. I was wondering which credit card I be eligible for? I went to nab and Commbank and they said I am not eligible.
Dmitry

Dmitry

11 February 2020
Hi, I am after a credit card with lower annual fee (cost) with a reward scheme on a cashback rather than Virgin or Quantas points. Is this something you could help me find?
Rochelle

Rochelle

1 February 2020
Hi there, I’m just after your opinion on the best credit card. My plan was to pay for our wedding (venue, dress, catering etc.) then use the points the book our honeymoon. Wedding is the start of May, honeymoon hopefully July (obviously not booked yet.) There’ll be multiple large transactions in short succession. I can pay these off immediately. I don’t want to have to keep the credit card after these payments are made and I’d like to avoid cancellation fees etc. I’m already a qantas frequent flyer and fly internationally for work yearly, so the points earned must be qantas to add to my existing. Your thoughts would be great. Kindest, Rochelle
Donna

Donna

31 January 2020
Hi I am trying to rebuild my credit as I went bankrupt which finishes this may I pay my bills on time and I have $9,600 in savings do I have a chance of being approved for a credit card
Katie

Katie

27 January 2020
I have bad credit can I use a guarantor to help me get a credit card
Jim

Jim

23 January 2020
Will your service be vetted by the ACCC? Does your service favour some above other providers due to financial reward to your company? Do you analyze ALL credit cards on the market?
Kylie

Kylie

21 January 2020
I'm needing a credit card or cash loan today with bad credit and bad score to travel home asap to a family emergency
Katie

Katie

18 January 2020
More info on having a guarantor so I can have a credit card please
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