Compare Australian Credit Cards

Compare 250+ credit cards from 79 banks and brands. From low rate and no annual fee cards to 0% balance transfer and bonus points. Get the best offer for your needs and apply online.

Purchase rate

Balance transfer

Annual fee

HSBC Platinum Credit Card – 0% Balance Transfer Offer

9 reviews
$0 saved over 36 months

0% Balance transfer credit cards

See how much a balance transfer could save you

HSBC Platinum Credit Card – 0% Balance Transfer Offer

9 reviews
$0 saved over 36 months

St.George Vertigo Credit Card

20 reviews
$0 saved over 32 months

Citi Clear Credit Card

116 reviews
$0 saved over 36 months

Rewards credit cards

Turn your credit card spend into fantastic rewards and adventures

1 review
points earned over 12 months

26 reviews
points earned over 12 months

7 reviews
points earned over 12 months

No annual fee credit cards

Avoid annual fees but still get access to rewards and more

Citi Rewards Card – Purchases and Balance Transfer Offer

6 reviews
$0 saved over 14 months

Coles No Annual Fee Mastercard

6 reviews
$0 saved over 12 months

Virgin Money No Annual Fee Credit Card

19 reviews
$0 saved over 12 months

Best Credit Cards August 2022

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. Let CreditCard.com.au guide you to find the right credit card for your needs.
Pauline Pauline Hatch personal finance expert I am passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger.

Use credit cards wisely

We 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.

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. Source: RBA

Recently Asked Questions

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194 questions (showing the latest 10 Q&As)

Tayla

Tayla

3 August 2022
which card offers minimum repayment options
Judith O’Brien

Judith O’Brien

6 July 2022
Do you give rewards cards to a person on $35,450 a year who is a pensioner/ super ? Otherwise don’t send me anymore emails.
Kris

Kris

22 June 2022
Hi Need to get eye surgery and need approx $9000 thinking of card like carecredit with 48mth no interest period. Is this available Thanks
Richard Matale

Richard Matale

12 June 2022
Can I know more about the credit cards payment option please?
Harmeet

Harmeet

2 June 2022
Hi, I would like to get some information about my current finance loan for my motorbike
Kruger

Kruger

18 May 2022
Which card would you recommend based on your experience
Tim Coulson

Tim Coulson

16 May 2022
I'm looking for a credit card that allows me to transfer my points easily to as many airlines as possible.
Sab

Sab

5 May 2022
I am after getting my first credit card, and in that I'm looking to pay off a small loan and small purchases. Can you help me make an informed decision on who to look at applying with.
liam

liam

8 March 2022
after a credit card with no annual fee and 0% foreign trans fee
Ashish

Ashish

7 March 2022
Hi, my 22 year old son has moved out of home and is working as a casual, but an ongoing 40hrs/week. Looking to see if can can a no annual fee credit card to build a credit history. What do you suggest?
mannes

mannes

17 February 2022
which credit card has low interest for long term ?
Anne

Anne

23 January 2022
How long is a hospital stay for a shoulder reconstruction
Mohammed Kawchar

Mohammed Kawchar

18 October 2021
Does it support Bangladesh?
Anne-Maree Chaffer

Anne-Maree Chaffer

16 October 2021
HI there, i have been the victim of identity theft and am contacting this company because I have been advised by Illion that an enquiry for credit was made through this website which is now listed against my name. I did not make that enquiry for credit and it would appear as though the hacker who has accesses my details has used these to apply for numerous credit cards under my name. i would like to request that you send a notification to Illion to have that fraudulent enquiry removed from their records. Please advise if you require any supporting documentation to proceed with this request. Many thanks Anne-Maree Chaffer 0401042169
Sarah Carr

Sarah Carr

10 September 2021
Hi there, when making a purchase on finance, is there a way to bypass the credit check if im purchasing for my home as i work from home and have a ABN? Or is it no matter what you still have to do a credit check? Im only asking due to having something on my file but we're also needing an air con in the house before summer hits as i work from home too. Just curious is all. Thanku :)
Leeann Welch

Leeann Welch

9 September 2021
Is there a credit card that I could use to pay out a store card and if so is it worth applying and closing the store card or just using it as it offers interest free for some stores at times for up to 60 months.
phoebe mclaren

phoebe mclaren

20 August 2021
Hi, i am separating from my husband and have no credit history at all. is there a credit card that i can get. I have no bed debit but also no credit history. I was declined by my own bank ANZ due to no credit history
James

James

29 June 2021
How many Qantas points are Altitude points worth?
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