Online Shopping Credit Cards

Updated 25 November 2021

Credit cards for shopping online are becoming more and more popular, so it’s important to understand what type of credit card works best for online transactions, and what to do if something should go wrong with an online transaction.

The digital economy has ushered in an era of online bargain hunters. Most have credit cards at the ready, but sadly they aren’t always the appropriate credit cards for use online. There are a few things to consider before whipping the plastic out from your wallet. There are surcharges to consider, and you will want to know the returns and delivery policy of any retailer you use. On top of that, many internet retailers are actually based overseas, which means you could be up for currency conversion fees, and then will add to your total purchase price – often enough to cancel out any discount you might be getting.The main recommendation we make is to choose a credit card that won’t charge international currency conversion fees, in fact, because this will save the majority of online shoppers money at some point. This type of credit card is usually a better deal than store cards or loyalty cards, but you might also want to choose one with decent rewards. Using a frequent flyer credit card and redeeming points online for merchandise can be unwise too, unless you’re sure that the points value of the product you’re choosing really adds up. So, which cards make the grade when you don’t want to get off the couch?
read moreclose

Average card rating for this category
331 reviews for 6 cards listed
CreditCard.com.au as seen on
  • 7News
  • 9News
  • Studio 10
  • The Sydney Morning Herald
  • News.com.au

NAB StraightUp Card

4 reviews
$0 saved over months

Westpac Low Rate Credit Card

305 reviews
$0 saved over 28 months

ANZ Rewards Travel Adventures Card

8 reviews
$0 saved over months

humm90 Mastercard

5 reviews
$0 saved over months

Bankwest Zero Credit Card

4 reviews
$0 saved over 34 months

Bankwest Breeze Platinum Credit Card

5 reviews
$0 saved over 15 months

Worry no more!

Enjoy the benefits using these cards for your online shopping.

Which perks suit online shoppers?

When it comes to shopping online and credit cards, you’re probably going to be interested in a card with these features:

  • Long interest free days on purchases (55+) so you get a bit of breathing room to pay if off each month without paying interest
  • A reasonable ongoing purchase rate, one below 15%
  • Extended warranty and purchase security
  • No international transaction fees
  • Bonus rewards points. This can be an offer when you signup, or bonus partners with online outlets where you will be happy to spend on the card

Why use a credit card and not a debit card?

Debit cards are definitely the right choice for anyone who can’t control the amount they might spend online, and the amount of debt you can get in to will be limited, but using a credit card can still be useful for both convenience and security. If there is a sale item you want to buy on the day, a credit card can help you get it and you can transfer the money back when you do have it in your bank account. Credit cards are also increasingly useful for transactions that might end up in a dispute too. Credit card companies have a strong interest in making sure transactions are processed and processed correctly, and because the funds might not be transferred instantly, any fraudulent or disputed transactions can often be stopped before money has moved between the banks. This makes a difference to you because disputes on credit cards are often resolved much more quickly and efficiently than if you had used a debit card and your bank account.

Using a PayPal account with your credit card is also touted as the most secure option for making and accepting payments online, especially when the sale is a private one via a site such as eBay or gumtree, and not through a major retailer.

Recently Asked Questions

Something you need to know? Ask a our credit card expert a question.

Ask a Question

You will be emailed a response in typically 1 business day. By submitting this question you agreee to our privacy policy.

Ask Pauline a Question

Hey there, we’re happy to help with any questions you have. We usually reply within a business day. So go on, ask away!

By submitting this question you agree to our privacy policy.

(showing the latest 10 Q&As)

Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.