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

Bendigo Bank Low Rate Credit Card

4 reviews
$0 saved over 99 months

0% Balance transfer credit cards

See how much a balance transfer could save you

Citi Rewards Credit Card

5 reviews
$0 saved over 30 months

ANZ Low Rate Credit Card – 0% Balance Transfer

61 reviews
$0 saved over 25 months

HSBC Platinum Credit Card – 0% Balance Transfer Offer

4 reviews
$0 saved over 26 months

Frequent flyer credit cards

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

9 reviews
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

Citi Simplicity Credit Card

6 reviews
$0 saved over 6 months

Virgin Money No Annual Fee Credit Card

16 reviews
$0 saved over 12 months

Coles No Annual Fee Mastercard

3 reviews
$0 saved over 12 months

Best Credit Cards November 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 2020 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

Hi, I’m the site founder and I will personally answer your question within a business day.

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116 questions (showing the latest 10 Q&As)

Pauline

Pauline

16 November 2020
Can’t find where I log in to my 28 degree card site.
Charley

Charley

14 November 2020
Hi, I’m looking for a credit card with the following perks or tick most of it 1. Complimentary overseas travel insurance 2. Zero foreign transaction fee 3. In the case where big purchases are made, there’s a 0% instalment plan 4. Earns points for frequent flyer or similar sort I pay my card in full monthly for 98% of the time. Thank you 😊
Chris Harold

Chris Harold

13 November 2020
Testing home page, footer, logo
Roberta

Roberta

7 November 2020
What ID is required? Can I use my pay slips instead of logging onto my bank thru a non secure site transferred through?
Mrs H.L. Haycock

Mrs H.L. Haycock

8 October 2020
Sorry but I made a mess of previous email. I have recently moved into a Rest Home and used my Coles MasterCard more than usual and I wanted to know why I was now paying Interest on. Retail transactions which before I was not paying. Thank you.. Regards, Hilary🦉🦉🦉
David

David

11 September 2020
We have a Woolworths credit card we are looking to change from. We spend and pay off and never have fees owing each month as it gets paid off in large chunks. Not sure what a good option would be for something we are after.
Sahil

Sahil

26 August 2020
I was rejected for a credit card recently. Will this rejection be recorded on my credit file and directly affect my credit scores or it will be just recorded as hard enquiry (like just being recorded as credit card application)? Thanks
Liam

Liam

22 July 2020
Are there any credit cards available which accrue qantas points and dont have a yearly fee? Many Thanks
Kerryn Beeching

Kerryn Beeching

21 July 2020
I now live in London and have found a VERY old GE Money card in an old wallet. I'd like to find out whether there is any money still on it / available, please? I do still have an active Australian bank account (Westpac) if that makes any difference?! Thank you so much.
Anthony Waller

Anthony Waller

26 June 2020
I would like to speak to you about how you started this great site. Really it’s to pick your brain. I am not competing with you but am looking at starting something similar and yours are best I have found. I’m located in North Shore and have an office in the city.
Leah

Leah

8 June 2020
Hi Roland I was just filling out an application and uploading and now I can't get back into my application ? leah
Venise

Venise

18 May 2020
Can I link my GE money card with PAY PAL?
ROHIT

ROHIT

17 May 2020
Unable to sign up... No option to sign up. D
Nicole Piper

Nicole Piper

28 March 2020
In this time of uncertainty how likely are any of banks going to give you a 0% balance transfer or a lower interest rate.
Dianne

Dianne

24 March 2020
Hi Roland, I have a Credit Limit Increase application that states an OnLine Upload. when i key in the web address I get redirected to creditcard.com.au. How can i upload my application, thanks.
Daniel

Daniel

21 March 2020
Hi Can I pay off a personal loan with a 18 month interest free credit card.
Keith

Keith

29 February 2020
how do i activate my card
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?
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