Compare 250+ Australian Credit Cards

Use our easy comparison tool to find your best credit card! Read full, authentic reviews by a finance expert, ask a question, and apply online. Start below!

Cards on this page last checked 12:00 am - 1 March 2024

Purchase rate

Balance transfer

Annual fee

St.George Vertigo Credit Card

22 reviews
$0 saved over 28 months

Compare Balance Transfer credit cards

A balance transfer can help you deal with credit card debt by waiving the interest for a period. Use 'calculate your savings' to input your debt, current interest rates and fees to see how much you could save.

St.George Vertigo Credit Card

22 reviews
$0 saved over 28 months

Bankwest Zero Platinum Mastercard

12 reviews
$0 saved over 28 months

NAB Low Rate Credit Card – Balance Transfer Offer

27 reviews
$0 saved over 28 months

Rewards credit cards

Earn rewards points and redeem them for freebies, flights and fun! Use ‘calculate your rewards’ to input your spending and see how many points you could earn each year.

32 reviews
points earned over 12 months

13 reviews
points earned over 12 months

9 reviews
points earned over 12 months

No annual fee credit cards

The benefits of a credit card without the expense of an annual fee. Use ‘calculate your savings’ to compare your current card costs against the top no-annual-fee cards.

Bankwest Zero Platinum Mastercard

12 reviews
$0 saved over 28 months

Coles No Annual Fee Mastercard

18 reviews
$0 saved over 99 months

Virgin Money No Annual Fee Credit Card

20 reviews
$0 saved over 12 months

The top credit cards at your fingertips, updated with March's new deals

We love credit cards. The points, the perks, the freebies, saving thousands on home loans and paying down debt - it’s all up for grabs when you use credit cards well. Creditcard.com.au has been the go-to site for easily comparing credit cards since 2015. We want to help you choose the credit card that suits you best!
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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274 questions (showing the latest 10 Q&As)

Margaret Thomas

Margaret Thomas

29 December 2023
What is the criteria for obtaining a velocity credit card
Cynthia

Cynthia

20 December 2023
Hi Pauline My name is Cynthia Could I please ask you a question. I would like to to do balance transfer to pay off my Amex credit card. However Amex doesn’t accept that Could you please give me an advice please Cuz the interest rate is too high so i want to payy off amex card Thank you
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