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

Citi Rewards Credit Card – Balance Transfer Offer

5 reviews
$0 saved over 30 months

0% Balance transfer credit cards

See how much a balance transfer could save you

Citi Rewards Credit Card – Balance Transfer Offer

5 reviews
$0 saved over 30 months

HSBC Platinum Credit Card – 0% Balance Transfer Offer

5 reviews
$0 saved over 36 months

Great Southern Bank Low Rate Credit Card

3 reviews
$0 saved over 25 months

Rewards credit cards

Turn your credit card spend into fantastic rewards and adventures

1 review
points earned over 12 months

13 reviews
points earned over 12 months

5 reviews
points earned over 12 months

No annual fee credit cards

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

Bankwest Zero Platinum Mastercard

9 reviews
$0 saved over 26 months

Virgin Money No Annual Fee Credit Card

17 reviews
$0 saved over 12 months

Westpac Low Rate Credit Card

305 reviews
$0 saved over 28 months

Best Credit Cards June 2021

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.
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 on tv and in various publications.

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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154 questions (showing the latest 10 Q&As)

Adrian B Haber

Adrian B Haber

6 June 2021
Can I get credit card. With no credit transfer
Warren Mclennan

Warren Mclennan

24 May 2021
I wish to stop all these bloody add you kept sending me
Robyn Whiteley

Robyn Whiteley

18 May 2021
Where do I get a credit card that had no annual fee
Antonio Pacitto

Antonio Pacitto

9 May 2021
Got bad credit score trying 2 get a credit card around $1000 is it possible cheerd
Tuck

Tuck

26 April 2021
I am Japanese who is relocating to Sydney and I am looking for a low annual fee but can be used for everyday usage (such as utility bill, food, petro, also potentially paying for our kids private school. We are bad /lazy at redemption etc and use CBA as main bank so preferred to be auto deduction.. Our closest supermarket is Woolie and gas station is Shell. We use Amazon and airline is Star alliance (ANA) or One-world (Qantas or Jal). Can you please recommend maybe 3 to 4 credit card that is suitable for us?
Jon

Jon

23 April 2021
Fraudulent credit card opened in my name I need a contact to rectify
Mikael

Mikael

14 April 2021
Hi there, I am looking for a personal credit card that will actually be used for business expenses and paid off by my company fortnightly. Ideally I would like the credit limit to be $3k and for it to also be a Qantas points card. However, my credit score is not that great at 479. I don't have any debt and a solid income. I haven't applied for a card since November 2019 either for fear of being declined again. What are the chances of getting something approved like this? Cheers, Mikael
Cathy Bruce

Cathy Bruce

3 April 2021
Do you have to spend a specific amount annually.,is it alright not to spend ant thing?
Bobby

Bobby

26 March 2021
I’ve never had a credit card, Im looking at getting one but I know I’m not going to use it. Just want it to be there without repaying anything. Do I need to use it if I get one? If I use it, I just need to pay it back?
Abi

Abi

26 February 2021
If any credit card application is rejected by bank, does it impact the credit score?
Abi

Abi

26 February 2021
I want to apply for credit card. I am looking for frequent flyer credit card. My visa is only 7 month left. I have good credit score of 769. Which credit card is applicable for me.
Williams

Williams

17 February 2021
I didn't pay amex for 2 months due to financial hardship and they uodated has default in my file my credit file. My question if i will clear amount and in my default it will show paid in full and after that can i get loan and credit card
Telia McNamara

Telia McNamara

13 February 2021
Hi Roland. We are after a credit card with low or no yearly fees, interest free days on purchases and low interest rates. We will be using this card for everyday use for groceries ect. We will be paying off fortnightly. We will be needing 2 cards. What would you recommend? Thanks Telia
Tyler D-W

Tyler D-W

3 February 2021
Hey again Roland, The HSBC card does look good, just curious if there’s something with a bit more points to be earned, or will that be a bit tougher getting the upper echelon cards as a first credit card?
Tyler D-W

Tyler D-W

2 February 2021
Hey Roland, looking for first credit card that's primary use is to make the most of frequent flyer points as well as grow credit rating. Monthly spend is around 1200-1500. It will be paid off monthly and won't be using any of balance transfer or such features. Which would you recommend?
Brett Tapscott

Brett Tapscott

15 January 2021
what does purchase rate mean? i am looking at transferring two Westpac Credit cards and one Boq Credit card which card will give me the best deal?
Seungjoon Baek

Seungjoon Baek

10 January 2021
Hi there. I couldn't pay my credit card bills in this corona time. my latitude account is same as this email. Plse let me know how it goes on. also Please recommend me the way to recover it. I can't pay whole at once but will try to recover slowly.
Susan

Susan

9 January 2021
Hi there, Just wondering if the 28 Degree Latitude card provides international travel insurance when used for purchasing flights tickets.
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