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

Coles No Annual Fee Mastercard

4 reviews
$0 saved over 12 months

Bendigo Bank Low Rate Credit Card

4 reviews
$0 saved over 18 months

Rewards credit cards

Turn your credit card spend into fantastic rewards and adventures

18 reviews
points earned over 12 months

11 reviews
points earned over 12 months

0 reviews
points earned over 12 months

No annual fee credit cards

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

Coles No Annual Fee Mastercard

4 reviews
$0 saved over 12 months

Citi Simplicity Credit Card

8 reviews
$0 saved over 6 months

St.George Vertigo Credit Card

19 reviews
$0 saved over 28 months

Best Credit Cards March 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. 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

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.

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

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136 questions (showing the latest 10 Q&As)

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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