Compare 313 Credit Cards from 49 Banks.

Save up to $2,500* with Australia's best credit card comparison website.

Join tens of thousands of people who trust us each month to find a better card. In fact, you could save up to $2,500 * by switching to a cheaper deal using our website—that’s enough for a family holiday. It couldn’t be easier—switching cards doesn’t mean changing banks, or even your everyday bank account. Start comparing credit cards—it’s easy, fast and free.

Credit Card Offer Purchase Rate Balance Transfer Annual Fee
Credit Card Offer Purchase Rate Balance Transfer Annual Fee
NAB Low Rate Credit CardNAB Low Rate Credit Card

0% p.a. for 15 months on balance transfers. Fast 60 second instant approval process. Free additional card holder. Visa PayWave. Apply by 30 April 2014

13.99% 0% for 15 monthsthen 13.99% $59

St.George Vertigo MasterCardSt.George Vertigo MasterCard

0% p.a. for 14 months on balance transfers. No balance transfer fee. Low ongoing 13.24% p.a. on purchases. Get SMS or Email alerts when your card reaches a limit. Faster paying with MasterCard PayPass. Low $15,000 minimum income needed. 60 Second approval process. Apply by 20 June 2014.

13.24% 0% for 14 monthsthen 13.24% $55

ANZ Platinum Credit CardANZ Platinum Credit Card

0% p.a. for first 12 months then 19.74% p.a. ongoing on balance transfers. No annual fee for the 1st year (waived if annual spend exceeds $20,000 per year). Visa PayWave. Overseas travel + medical insurance. 60 second approval process. Apply by 30 June 2013.

19.74% 0% for 12 monthsthen 19.74% $0 1st year

Commonwealth Bank Low Rate Credit CardCommonwealth Bank Low Rate Credit Card

Pay less on CommBank’s most popular credit card. Enjoy up to $200 cash back and an ongoing interest rate of 12.99% p.a.* on purchases.

12.99% 5.99% for 5 monthsthen 21.24% $78 or $48 *

HSBC Credit CardHSBC Credit Card

No annual fee, ever. 0% on balance transfers for 6 months. Access to offers, discounts and benefits. Low minimum income of $20,000. Apply by 30 June 2014.

17.99% 0% for 6 monthsthen 21.99% $0

ANZ Low Rate MasterCardANZ Low Rate MasterCard

0% p.a. for first 12 months then 13.49% p.a. ongoing on balance transfers. Up to 55 days on purchases. Low minimum income needed. MasterCard PayPass. 60 second response to your application. Apply by 30 June 2013.

13.49% 0% for 12 monthsthen 13.49% $58

Citibank Clear Platinum Credit Card 12 MonthsCitibank Clear Platinum Credit Card 12 Months

0% p.a. for 12 months months on balances transferred. Plus 1/2 price annual fee for the 1st year. Platinum benefits: free wine every time you dine with the Citibank Dining Program, insurances, concierge service, purchase and extended warranty cover. Apply by 31 July 2014.

12.99% 0% for 12 monthsthen 21.74% $49 1st year

Qantas American Express Discovery Credit CardQantas American Express Discovery Credit Card

0.99% p.a. for 6 months on balance transfers and 7,500 QFF points. Earn 1 QFF point per $1 spent. No annual fee card. Complimentary purchase and refund protection. Apply before 30 April 2014.

20.74% 0.99% for 6 months$0

The Low Rate Credit Card from American ExpressThe Low Rate Credit Card from American Express

NEW: The American Express credit card made for shopping with a low 11.99% p.a. interest rate on purchases. Refund and Purchase Protection plus an Online Fraud Protection guarantee. Get 0.99% p.a. for 6 months on balance transfers with a 1% fee. Low $65 p.a. annual fee. Apply by 30 April 2014.

11.99% 0.99% for 6 monthsthen 11.99% $65


Tens of Thousands of People Each Month Can’t Be Wrong

Here’s why people love our website:

Save Money

People using our Beat My Card tool found they could save as much as $2,500 on average*.


Switching to a better card is fast. Make a considered choice during your lunch break at work.

Easy as

We’ve made it easy for you to compare credit cards and find what you want.


The data on our website is updated usually within hours of the banks updating their offers.


Clear presentation of rates and fees. And common sense general advice.


Smart easy to read comparison tables and clever calculators.

This is What We’re All About

It has been estimated that Australians have paid billions of dollars to the banks in unnecessary interest and fees. The picture isn’t any better when it comes to the millions of reward points and cash back dollars that have been missed out on simply because of an unreciprocated loyalty to the bank. It doesn’t have to be like this.

We have built from the ground up with the sole purpose of addressing these missed opportunities. Here you can compare the latest offers from a range of banks and building societies, get detailed insight into how competitive a deal really is and ultimately make a considered choice based on fact. This is a completely free service for all Australians with no hidden costs or fine print.

Apart from our credit card comparison tables, here are some other useful links to explore.

Tools: Would you like to know how long it would take to pay off what you owe to the bank? How about finding out how much you could save with a balance transfer? Or visualising just how costly it would be to only pay the minimum each month? Then our tools are just what you need.

The Credit Letter Blog: Who wants to read a blog about credit cards? That’s what we thought too! So, we are trying to do something different with our blog by giving away original consumer research, mind-bending data visualisations, insightful editorial and money hacks that will transform your finances. Sound good?

The Learning Centre: Managing your credit card spend is easier said than done for many people, which is why we are building out an educational resource where you can learn about everything from good money habits to getting out of and staying out of debt. It’s free too!

Today’s Credit Card Stats

  • 313credit cards are ready for comparison on this website
  • 16.80%is the average interest rate on purchases
  • $93is the average annual fee you can expect to pay
  • 1.73%is the average balance transfer rate available