Credit Card Comparison

Compare credit cards by feature, drilling down to the details to find the right card for you. On this page, you can narrow your search by checking out what’s on offer with each type of card.

Choosing the right credit card means finding one that’s fit for purpose. For some, that will mean finding a card with an awesome balance transfer offer, for others, that will mean finding a card that rewards their spending and gives their points-earning a boost with bonus points. Whatever you’re looking for from your card, you can start by narrowing your search right here.

At CreditCard.com.au, we want to make the task of finding and comparing cards as easy for you as possible. While we may live and breathe credit cards, we know you probably don’t have the time for endless, and perhaps fruitless searches every time you want to apply for a new card. Which is why we created this site.

Not sure what you want from your card? Click on the features below to see what each one has to offer. We also offer handy info on what to look for, and what types of cardholder each feature might work well for. You will find a range of cards within each category, allowing you to see at a glance the essential info you need to know.

Similarly, if you know exactly the type of card you want, or the type of offer you need, you can go directly to that page from here and start comparing the options. Making the process even easier is our visual comparison tool, which shows at a glance how strong each card rates on the essentials. From annual fees to purchase rates, bonus points to earn rates, you’ll know exactly where you stand before you apply.

Use CreditCard.com.au to find the best credit card for you

Want to find a card that works for you? With CreditCard.com.au you can. Here, you can compare a wide range of credit cards side-by-side, taking in important features such as fees, interest and introductory offers. But that’s not all. You can also check out our guides and posts for essential info on all things credit card. Ready to get into it? Let’s go!

Recently Asked Questions

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74 questions (showing the latest 10 Q&As)

Linda Roohan

Linda Roohan

26 November 2024
I’m looking for the best credit card to gain emirates points
    Pauline - CreditCard.com.au

    Pauline

    2 December 2024
    Hi Linda, no cards in Australia directly earn Emirates points, but you can transfer other program points into Emirates Skywards Miles. For instance, you can redeem 4 Amex Membership Rewards for 3 Skywards Miles, 5 CommBank Awards points for 1 Skywards Mile and up to 15 Citi Rewards points for 1 Skywards Mile. Another option is to earn Qantas Points to directly redeem for flights, since Emirates is a partner airline with Qantas. You can read more about that on the Qantas website. I hope that helps!
Crystal

Crystal

9 September 2024
Hey Pauline, wondering if you can provide some guidance. My partner and I do not currently have credit cards (previously paid out) but we are looking into applying for one as a joint account to run all our everyday expenses through and pay off every month. Approx monthly spend would be 9-11k. Our main goal for this card is to make our money and daily expenses work for us with a card that has rewards we can benefit from, we are looking for something that provides more then or different rewards to just travel. Rewards that we can translate into everyday cost of living. We aren’t necessarily travellers and at the moment building a home so budgeting and maximising benefits for everyday living is our priority at the moment. Any suggestions you have would be greatly appreciated. Thanks
    Pauline - CreditCard.com.au

    Pauline

    13 September 2024
    Hi Crystal! Building a home, how exciting! I think you have a couple of options. You can look at Rewards cards that earn points in a non-frequent flyer program, like ANZ Rewards, Amex Membership Rewards, Altitude Rewards or Flybuys. If you’re shopping at Bunnings, you could compare which programs will give you the best redemption rate of points for Bunnings gift cards. Also look at cards with big bonus points. For example, Amex has some big bonuses and a flexible rewards program. Most programs will let you use your points to pay off purchases you’ve made. There’s a lot of possibility there! Read through our reviews to get a better understanding of how the card works and things to look out for, like fees for additional cardholders (very few cards do joint accounts). I hope that gives you somewhere to start! All the best Crystal 🙂
Chris

Chris

30 June 2024
How to renew my frequent flyer card
    Pauline - CreditCard.com.au

    Pauline

    5 July 2024
    Hi Chris, you can contact your card issuer directly to request a new card.
Damien

Damien

12 June 2024
Hi there I’d like to apply for a credit card without affecting my credit score. Firstly is this available? And if so can you recommend please? Thank you.
    Pauline - CreditCard.com.au

    Pauline

    19 June 2024
    Hi Damien, I wish there was a way to do this! But unfortunately, every time you apply for a card the lender will do a credit check, which is recorded on your credit history. Your best bet is to check your credit score (you can do that for free) and make sure you meet all the eligibility criteria first so you have the highest chance of being approved. Good luck!
Nijo

Nijo

25 April 2024
Hi Pauline, we’ve bought a new home in VIC region and would like to buy the house hold items as you know. We’re planning to get a credit card which suits the best of our needs. As for the very next couple of months we’re gonna spend a lot more on household items. May be the one with best cash back and with low interest and the best time to pay without the interest.
    Pauline - CreditCard.com.au

    Pauline

    2 May 2024
    Hello Nijo! Congrats on your new home. You could look at using a card with a 0% p.a. purchase offer, which means you won't pay any interest on items you buy during the promotional period. That can give you time to pay it off interest-free (which is very important! Try not to start paying interest). Or, you could look at cards that have instalment plan options, where you can nominate a purchase or amount and pay it off in interest-free instalments. Many credit cards have interest-free instalment plans, including ANZ, Amex and St.George. St.George also has a $400 cashback card if that's helpful. All the best!
keviin

keviin

12 July 2023
My wife & I have Qantas Mastercard & Amex Ultimate Cards. We are disappointed that both cards DO NOT ALLOW cover for PRE EXISTING MEDICAL CONDITIONS - NOT EVEN WITH SCREENING & EXTRA PREMIUM, despite paying fully for intended travel. I have found that CBA Smart card will consider such cover and we only need to NOTIFY THEM before travel to get the card benefits. No need to even pay for the travel using the card! Are there other similar or better cards?
    Pauline - CreditCard.com.au

    Pauline

    13 July 2023
    Hi Kevin, complimentary insurances can get quite tricky when it comes to pre-existing condition, as there’s a whole bunch of different exclusions applicable. There are a range of credit cards that offer complimentary insurance, and each underwriter will set their own exclusions and policies. When you have found a card you like, consider reading the PDS to see what’s included and what’s not. Hope this helps Kevin!
twinki

twinki

3 July 2023
please advice some options on credit cards with following features. earn flying points with airlines no foreign transaction fees rewards on daily spent lounge access once or twice a year low annual fees travel insurance Thanks
    Pauline - CreditCard.com.au

    Pauline

    4 July 2023
    Hi Twinki, you’ve got quite a list there. There are actually different credit card features that may not be a catch-all for the ones you want there to choose from. You’ll need to compare a range of cards with the features you want across a list of some of the frequent flyer, no foreign fees, rewards, access to airport lounges, no annual fees and with travel insurance credit cards that you can check and compare. You can use our short-list feature to save your favourites, and then compare the cards side by side. You can also read our reviews, take note of the features you want and then narrow it down to the one that suits your needs the best. Hopefully this helps - happy card hunting!
Shaun

Shaun

8 May 2023
I need to apply for credit card and would you able to help me
    Pauline - CreditCard.com.au

    Pauline

    9 May 2023
    Hi Shaun, please feel free to browse around our site and check out some of the cards we’ve listed based on the current features and promotions they offer. Make sure to read the review we’ve written on each of the cards and check that you meet the eligibility requirements before proceeding with your application. Hope this helps!
KK

KK

26 April 2023
Hi, I am looking for the best credit card with an interest free period, will allow 20k limit. low interest repayments and no fees on overseas purchases. Which card do you think is most suitable for this purpose? Not too fussed on rewards but that is a bonus.
    Pauline - CreditCard.com.au

    Pauline

    30 April 2023
    Hi KK, thanks for your message. It’s important to note that there isn't a single credit card that's objectively the "best" option, since different cards offer different benefits and cost savings depending on your specific needs and preferences. Anyhow, credit card issuers set credit limits based on various factors, such as your annual income, credit history, and ability to pay. With that, there are a few credit cards with interest free periods that also have no foreign transaction fees, which may be worth considering. As for repayments, the amount of interest and cash advance rates you'll be charged will depend on the card you choose. You can use our calculator to get an estimate of what your repayments might look like. While rewards aren't your main concern, some cards may offer additional rewards or bonuses that you may find appealing. Hope this helps!
Keren

Keren

13 April 2023
Hi I have had a Visa credit card with Latitude for years now and like millions of others, I have just received notification from Latitude that my personal information and driver's licence details have been stolen. I have just been to Services NSW today to have my driver's licence replaced and am almost sure that I will cancel my Latitude Visa card and take out another credit card. I am now retired and drawn a pension from my super and also receive a part Aust. Aged Pension (around $26,000 annual income), so I would need to apply where this income is OK. I would like some suggestions as to the best card to consider. By the way I always pay off my credit card each month in full, so I never have interest to pay. Once I decide on a new credit card is it then that I could go to Equifax (or similar) to have a credit ban placed against my name?
    Pauline - CreditCard.com.au

    Pauline

    14 April 2023
    Hi Keren! I’m sorry to hear you were caught up in the stolen data mess. Being a retiree can make it more difficult to be eligible for credit cards because banks like to see employment income. Your best bet is to look at low rate cards that have lower income eligibility and suit pensioners, which we’ve compiled here. Just check the eligibility criteria at the bottom of the card’s review page. And yes you can request a credit ban afterwards which will stop anyone being able to apply for a credit card or open an account in your name, but it won’t stop fraud unfortunately, meaning someone can still use your existing credit card if they get your details from online companies or the bank. At least credit card companies have insurances in place to refund stolen money. I hope everything gets sorted out for you Keren :)
Gagandeep

Gagandeep

21 March 2023
Apply for new credit card
    Pauline - CreditCard.com.au

    Pauline

    22 March 2023
    Hi Gagandeep, by clicking on a feature above, you’ll be taken to a list of cards we have available that have that feature. I suggest checking the card’s eligibility requirements, T&Cs, and its TMD before proceeding with your application. Good luck!
James

James

8 March 2023
I am an Australian citizen by birth and living overseas for past 5 years, working full time. I need an Australian credit card to help with purchases in Australia. What is the best way to go about this / best option for me? Don’t need anything fancy just low to no fee card if possible. I have excellent salary plus good savings. Thanks
    Pauline - CreditCard.com.au

    Pauline

    8 March 2023
    Hi James, this is a tricky question. You should definitely reach out to a few providers to check the requirements. Some providers will need you to provide an Australian address or workplace as part of the application process. To help guide you in your search for a low to no fee card, you can check out the available options for no annual fee cards. Additionally, you can also view the low interest cards that offer a competitive rate or balance transfer cards. Let us know how you go and whether the address requirements became an issue for you.
Kate

Kate

21 February 2023
Hi there, I’m looking to find a credit card that reports good behaviour. I paid off my Part 9 Debt agreement around 1 year ago, which was 3 years early. I am trying to improve my credit score as I am in a really good financial position now and would like to buy a home at the end of the year. Do you know of any providers that will actually look at my circumstances, rather than declining me due to the resolved debt agreement?
    Pauline - CreditCard.com.au

    Pauline

    22 February 2023
    Hi Kate! First of all, congrats on getting on top of your debt! That is amazing. Unfortunately though, your credit history follows you for a little while. For a Part 9 Debt, it’s 5 years. That means you may not be able to successfully apply for credit or a loan until it’s cleared. Keep an eye on your credit score using a free checker like this one on Finder’s app and remember that every declined loan application will stay on your record too. In the meantime, you can set up good habits that will build your credit score, like staying on top of bills and working on some savings. We have some other tips here. You could try talking to the bank you have a bank account with and see if they can help, but it’s likely they’ll have to run your eligibility through the same process since credit requires credit checks. Despite the bad news, I’m very glad to hear you’ve worked so hard to get debt-free. Well done Kate 👏
Darren Steven Newcastle

Darren Steven Newcastle

5 January 2023
Make payment without my international passport how can You help make this transition to my crypto wallet
    Pauline - CreditCard.com.au

    Pauline

    6 January 2023
    Hi Darren, CreditCard.com.au is an informational website. We don’t facilitate anything else. If you click a green “Go to Site” button you’ll be taken to a partners site and you’ll be interacting with them. Sorry we couldn’t be of more assistance!
Franklin Amos

Franklin Amos

5 January 2023
I am a pensioner can l apply for a credit card
    Pauline - CreditCard.com.au

    Pauline

    5 January 2023
    Hi Franklin, good question! We’ve written an in depth article that you can read for some of the requirements that credit card issuers typically look for when you apply for a credit card for pensioner. Hope this helps!
James Byrd

James Byrd

30 October 2022
Is there any bank in Australia that supports payment rings? I have had a Bankwast Halo ring for years and loved it. Now that Bankwest has ceased to support the system, I am looking for another bank credit card. I ty8pically spend between $2000 to $8000 per month on my Mastercard, paying it out in full before the due date each month. I would use the ring for morst of these payments.
    Pauline - CreditCard.com.au

    Pauline

    1 November 2022
    Hi James, great question! I checked this for you however the only bank to offer these were Bankwest, but this was discontinued in September 2021. I did some Googling but it turns out there’s no other providers here in Australia. Lots in the UK but their compatibility can’t be guaranteed with Aussie providers. You could perhaps investigate using a smartwatch instead that can be linked to Apple Pay, Google Pay and Samsung Pay. Let us know what you end up going with.
Rob

Rob

5 October 2022
Hi there, I’m looking to travel at the end of the year and I’m looking to get a credit card that can serve the needs of me and my family At the moment my income is 100,000 a year I have no bad debt and no debts whatsoever I’ll be travelling to Qatar tower for one month in Europe for a month and a half I’m looking for a card that can provide me with a few things listed below A card that has no or low international transaction fees, if there are international transaction fees I don’t mind paying them if the card overall value is good A card that I don’t have to pay off for at least 2 months as when I come back I’m planning to pay it off. I will be purchasing flights accomodation and basically everything for me, my brother and my girlfriend and will ask them to pay me for their share I would like as much bonus points as possible for signing up I’m looking to spent at least 30k on this trip so if I don’t get heaps of bonus points in the initial offer I would like to get them through purchases I would like travel insurance for me and insurance for the items I might buy there I would like a card that doesn’t cost me an arm and a leg in the first place Ideally I want a card that I can pay the minimum payments on for the time I’m there and pay full amounts after I’m open for two cards as well Let me know what suits me
    Pauline - CreditCard.com.au

    Pauline

    6 October 2022
    Hi Rob, first up thanks for stopping by and secondly, thanks for detailing all the information you need. We’re a purely informational website and can’t tell you what card will suit you. This will come down to the features you mentioned above, and which ones are deal breakers. When comparing credit cards, it might be worthwhile adding all your requirements into a spreadsheet and ranking what’s most important to you and then browsing through our site. Read through our reviews, other users' comments and then add the cards that match your criteria to your spreadsheet under the feature it has. You may find you have to trade-off certain elements, For example, a no foreign fee credit card with a huge bonus points offer might not have the added benefit of included insurances. This way you’ll be able to work out which card you want that ticks the boxes you need. Hope you have a safe and enjoyable trip away!
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