The Best Credit Cards 2025

Updated 14 April 2025

We’ve analysed 225+ credit cards from 70+ banks and brands. We look at low rate cards and no annual fee cards to 0% p.a. balance transfer and bonus points. Get the best offer for your needs and apply online.

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Offers

Westpac Low Rate Credit Card

307 reviews

0% p.a. Balance Transfer

0% balance transfer offer for 24 months with 2% BT fee (reverts to cash advance rate). $59 annual fee, or free the first year if you're an existing Westpac customer. Free additional cardholder.

0% p.a. Balance Transfer

$0 saved over 24 months

0% balance transfer offer for 24 months with 2% BT fee (reverts to cash advance rate). $59 annual fee, or free the first year if you're an existing Westpac customer. Free additional cardholder.

13.74%

p.a

Purchase rate

13.74% p.a.

24 months

reverts to 21.99% p.a. 2% fee applies

Balance transfer

0% 24 months

reverts to 21.99% p.a.2% fee applies

$59

p.a.

Annual fee

$59 p.a.

saved over 24 months

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NAB Low Rate Credit Card – Cashback Offer

1 review

$400 cashback + 12 months 0% BT

Earn $400 cashback when you spend $5000 in the first 150 days. Pay 0% p.a. on a balance transfer for 12 months (with a 3% fee). $59 annual fee, discounts with Visa entertainment, low interest rate and low credit limit.

$400 cashback + 12 months 0% BT

$0 saved over 12 months

13.49%

p.a

Purchase rate

13.49% p.a.

12 months

reverts to 21.74% p.a. 0% fee applies

Balance transfer

0% 12 months

reverts to 21.74% p.a.0% fee applies

$59

p.a.

Annual fee

$59 p.a.

saved over 12 months

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American Express Platinum Charge Card

5 reviews

150,000 Bonus Membership Rewards Points

Minimum spend applies. New American Express Card Members only. Enjoy $450 Platinum Travel Credit each year. Access to over 1,400 airport lounges. Bonus points offer ends 6 May 2025.

150,000 Bonus Membership Rewards Points

points earned over 12 months

Receive 150,000 Bonus Membership Rewards Points, minimum spend applies. New American Express Card Members only. Enjoy $450 Platinum Travel Credit each year. Access to over 1,400 airport lounges. Bonus points offer ends 6 May 2025.

2.25 pts

Amex

Earn rate per $1

2.25 points

Amex Membership Rewards

150,000

points

Bonus points

150,000

points

$1,450

p.a.

Annual fee

$1,450

p.a.

pts

over 12 months spend

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American Express Qantas Business Rewards Card

9 reviews

150,000 bonus Qantas Points

Spend $6,000 on eligible purchases within 3 months of card approval. Offer ends 1 July 2025. No fee for Employee Cards (up to 99).

150,000 bonus Qantas Points

points earned over 12 months

Spend $6,000 on eligible purchases within 3 months of card approval. No fee for Employee Cards (up to 99).

1.25 pts

Qantas

Earn rate per $1

1.25 points

Qantas Frequent Flyer

150,000

points

Bonus points

150,000

points

$225

first year

then $450 p.a.

Annual fee

$225

first year

then $450 p.a.

pts

over 12 months spend

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St.George Vertigo Credit Card

24 reviews

0% on balance transfers for 24 months with 2% BT fee

A low-cost card overall with one of the longest balance transfer terms around. Includes a low annual fee, up to 55 days interest-free on purchases and a free additional cardholder.

0% on balance transfers for 24 months

$0 saved over 24 months

2% BT fee applies. Low ongoing purchase rate at 13.99% p.a. Up to 55 days interest-free on purchases plus free additional cardholder.

13.99%

p.a

Purchase rate

13.99% p.a.

24 months

reverts to 21.99% p.a. 2% fee applies

Balance transfer

0% 24 months

reverts to 21.99% p.a.2% fee applies

$55

p.a.

Annual fee

$55 p.a.

saved over 24 months

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Qantas American Express Ultimate Credit Card

14 reviews

50,000 bonus Qantas Points

Spend $5,000 within the first 3 months. Offer ends 1 July 2025. $450 Qantas Travel Credit to use on eligible domestic or international Qantas flights each year. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. T&Cs apply.

50,000 bonus Qantas Points

points earned over 12 months

Spend $5,000 within the first 3 months. $450 Annual Qantas Travel Credit. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. Add 4 additional Card Members for free.

1.25 pts

Qantas

Earn rate per $1

1.25 points

Qantas Frequent Flyer

50,000

points

Bonus points

50,000

points

$450

p.a.

Annual fee

$450

p.a.

pts

over 12 months spend

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Westpac Low Rate Credit Card – Cashback Offer

0 reviews

Up to $350 Cashback + Low purchase rate

$50 cashback for each month you spend $1,000 or more on eligible purchases in the first 7 months from card approval. Low ongoing purchase rate. Free additional cardholder.

Up to $350 Cashback + Low purchase rate

$0 saved over 12 months

$50 cashback for each month you spend $1,000 or more on eligible purchases in the first 7 months from card approval. Low ongoing purchase rate. Free additional cardholder.

13.74%

p.a

Purchase rate

13.74% p.a.

N/A

Balance transfer

N/A

p.a.

$59

p.a.

Annual fee

$59 p.a.

saved over 12 months

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Shell Fuel Card

5 reviews

8c/litre off fuel + no monthly fees

Enjoy 8 cents per litre off fuel purchases at Shell-branded sites and pay no monthly card fees for the first 6 months. New cards only. Plus, earn Flybuys points for transactions at any Shell Reddy Express site.

8c/litre off fuel + no monthly fees

$0 saved over 0 months

Enjoy 8 cents per litre off on fuel purchases at Shell-branded sites and pay no monthly card fees for the first 6 months. New cards only. Plus, earn Flybuys points for transactions at any Shell Reddy Express site.

N/A

Purchase rate

N/A

Balance transfer

N/A

p.a.

$30

p.a.

Annual fee

$30 p.a.

saved over 0 months

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Ampol Fuel Card

4 reviews

Up to 300k points + 8c per litre fuel discount

For a limited time, earn up to 300k bonus Everyday Rewards points (worth $1500 off a future shop) and save 8c per litre on all fuels for 12 months. Plus, you can earn up to 2 points per litre. Points can be converted to Qantas Points or redeemed for retail and office supplies.

Up to 300k points + 8c per litre fuel discount

$0 saved over 0 months

N/A

Purchase rate

N/A

Balance transfer

N/A

p.a.

$35.40

p.a.

Annual fee

$35.40 p.a.

saved over 0 months

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We’ve chosen the cards on this page based on the offers available to CreditCard.com.au. The credit cards on this page are not representative of the entire market. The use of terms 'Best' or 'Top' are not product ratings and are subject to our Terms and Conditions of Use. Read the provider's Product Disclosure Statement (PDS) and Target Market Determination (TMD) before applying.

Types of credit cards

There are different types of credit cards that one can choose from that are available on the market in Australia. These are:

Whether you’re just after a low rate or rewards feature, creditcard.com.au brings you the latest credit card offers above, so you can compare and find the best credit card that suits your needs.

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Sort by - Please select

0% p.a. Balance Transfer

Purchase rate

Balance transfer

Annual fee

$400 cashback + 12 months 0% BT

Purchase rate

Balance transfer

Annual fee

150,000 Bonus Membership Rewards Points

Earn rate per $1

Bonus points

Annual fee

150,000 bonus Qantas Points

Earn rate per $1

Bonus points

Annual fee

0% on balance transfers for 24 months

Purchase rate

Balance transfer

Annual fee

50,000 bonus Qantas Points

Earn rate per $1

Bonus points

Annual fee

Up to $350 Cashback + Low purchase rate

Purchase rate

Balance transfer

Annual fee

8c/litre off fuel + no monthly fees

Purchase rate

Balance transfer

Annual fee

Up to 300k points + 8c per litre fuel discount

Purchase rate

Balance transfer

Annual fee

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Types of credit cards