Why Use CreditCard.com.au?

Welcome to creditcard.com.au and thanks for visiting us, we hope you find the information you’re looking for.

CreditCard.com.au has been the leading online credit card comparison site for the past number of years. Over 100,000 Australians have used CreditCard.com.au to find a better credit card deal. We provide credit card comparison for over 30 leading brands from across Australia and provide independent scores on credit cards and allow for custom reviews from the general public.

If this is your first time and you want to stay in the loop with that’s happening in the market, sign up for our newsletter to receive news, exclusive offers, limited time deals, and updates when the banks change their credit card offers.

Questions on credit cards?

Do you have a question or want to learn more about different types of credit cards? Our resource page is a great place to find out more about a large variety of credit card related questions.

Each of the main pages on this site has a list of frequently asked questions and an ‘Ask a Question’ box near the bottom of the page. If you have a question about a particular credit card please check the bottom of that product’s page. Or if you’d prefer, ask a general question here.

Want to review a credit card?

If you would like to review a particular credit card you can do so by visiting that credit card’s page and clicking ‘Add your review’ (below the Pro’s & Con’s section).

How it works

happy couple using creditcard.com.au
Our service is 100% free of fees for users of our site. For many cards on the site, we are paid a small commission from banks or financial institutions when someone completes an application or is approved for an application. Additionally we sell banner sponsorship opportunities throughout the site which produces a good source of income. We can not be paid more money to position a product higher in our tables, unlike many of our competitors. We place products higher based on the key features and special offers that are available for that product at the time.

Things to think about when comparing cards

While there is no specific card that is best for every person, we rate them all on an overall basis in relation to the current offers in market. It is very important when considering a credit card to take your own personal circumstances into consideration. Some suggested questions to think about might be:

  • Do I pay my balance off every month in full? If you don’t, card providers will not give you any interest free days and means that the overall purchase interest rate could be most important to you. To learn more about how credit card interest works click here, to learn more about interest free days, visit our interest free days guide.
  • How much will I spend on a monthly basis on my credit card? This has a massive effect on what type of card to apply for. The more you spend, the more that rewards programs could be of interest. But only likely to be of financial benefit if you pay off your balance each month and don’t get hit with interest charges. (See above question for more on that). With rewards programs its important to decide what rewards are most important to you and how much you actually have to spend to get them. Be realistic about your spending.
  • How often will I use my credit card? Some people don’t use their card much at all and may just be used in emergency. For these people, a no annual fee card may be best. Be aware that some may not offer interest free days, so even if used occasionally will accrue interest from day one.
  • Will I be using my credit card to purchase overseas in other currencies? Many credit cards charge up to 3% on overseas purchases and that’s before any interest. A range of credit cards don’t charge foreign exchange fees and some charge no ATM fees.
  • If looking to balance transfer to another card, what will the interest rate be after the introductory period expires? Many special balance transfer offers revert to the cash advance rate of the credit card which is typically over 20%. If you don’t pay your balance off before the intro period, then you could end up paying a higher interest rate than you were before. Note also that balance transfers can only be made to a different provider, therefore Citibank debt can go to ANZ or Commbank. Though in some cases it isn’t as clear. Virgin credit cards are issued by Citibank therefore you cannot transfer Citibank debt to Virgin or vice versa. To understand more about that see here.

Use our CardMatch tool

We created a custom tool to help users search for their perfect credit card from the selection we have available. Be aware it does not feature all the credit cards in Australia, but a large selection of credit cards that we have access to track for advertisers and other cards that we feel have strength in the market. In August 2013 this was over 130 different cards from over 30 card issuers. If you have any suggestions for more please contact us.

Use our cardmatch tool to quickly drill down and find information on a range of similar products. If you already have a credit card, you may be able to select this (if we feature it) and compare the rates on it against other similar offers in market.

Who is behind CreditCard.com.au?

CreditCard.com.au is the brain child of Australia’s pioneering credit card comparison guru, Roland B Bleyer. He has over 15 years full time experience and has seen thousands of offers change over the years. While many of the current players were not even in market, Roland was responsible for more credit card applications than any one else. Until 2021, Roland was the only editor for CreditCard.com.au able to rate cards on this site. He knows the in’s and out’s of fees and used a detailed method to score products, these are listed below.

Detailed Method to Score Products:

  • Interest rates applying to purchases, balance transfer and cash advance rates.
  • Value of introductory interest rates on the above.
  • What interest rates these introductory offers move to once the period expires.
  • Annual fees, both standard and introductory offers.
  • The merit of all special offers e.g. ‘bonus’ reward points.
  • Standard features such as the interest free days or credit limit available.
  • Rewards points earning capability and relative value of the points earned per dollar spent.
  • Extra benefits such as instant discounts or complimentary services e.g. free travel insurance, concierge etc.
  • Market acceptance of credit cards and weight of the transaction premiums/penalties charged by traders.
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