Terms and Conditions
About this website
Credit Card Compare (ACL #395076) is one of the leading free-to-use credit card comparison website in Australia. This website is a starting point for your research and comparison of credit cards. We never charge you for the service of this website.
The information on this website inclusive of articles, learning centre pages, blog posts should not be considered as constituting credit advice or assistance. The tools and calculators provided (and the results that they give) are for illustrative purposes only and should also not be taken as constituting credit advice or assistance.
This website does not provide credit, credit assistance for consumers in obtaining credit, nor does it provide credit advice for consumers to apply for any product in particular or from a certain bank. If you decide to apply for a product you should be aware that you will be dealing with the credit provider and not this website. If you need personal finance advice based on your personal circumstances you should seek independent advice from a qualified financial advisor.
We are normally made aware of changes to product information and make every effort to ensure that the information on this website is updated accordingly. However, some changes may occur without us being notified and the information is presented without warranty. Ensure you check any information or the results of using any tool if you intend to rely on them. If you find any error or omission in relation to the information on this website or an error in the completeness or correctness of the results of tools then we would appreciate your feedback so that we can fix it.
Please also note that the products listed on this website include many from major banks, smaller banks, credit unions and other credit card issuers as well as those made available from advertisers. This website may not include all of the credit cards on the market in Australia.
When you click on the "apply" link from one our credit card comparison tables or pages make sure you always read the small print on the credit card application before you apply.
Credit Card Compare is an affiliate of the banks and financial service providers listed on this website. As such we receive a commission from each financial service provider when credit cards are self-selected by consumers as a result of the outbound links on our site to the application form on the bank's website.
Even if you meet the minimum criteria of a product such information is intended only to be a guide. Your application may still be rejected by the credit provider (bank) even if you can answer yes to all the minimum criteria. The final decision regarding any application for a credit product is solely with the relevant credit provider and subject to their approval criteria and process.
You must always carefully read the terms and conditions on the application form found on the bank's website before you apply for any credit card including details of interest rates and other charges. In the event that you decide to apply for a product selected via the website, the full documentation and other relevant details should be sent to you by the lender and not by Credit Card Compare. It is the responsibility of the bank or lender to provide all relevant documentation to you and we cannot accept any responsibility in the event that you do not receive the documentation requested or expected.
We do include advertising on our website which we describe on the site as “SPONSORED”, “ads by Google” or shown in the form of standard graphical display banner advertising.
Products from advertisers that are sponsored on this site are labelled as “SPONSORED”. Generally these are products located outside of comparison tables and are labelled “SPONSORED” with direct links to the relevant and specific page of the advertiser’s website. If any superscriptions are used in a sponsored placement, the corresponding explanations will be given on the landing page of the advertiser’s website.
The use “Popular Ratings” icons in comparison tables are a measure a product's popularity based on website visitor click activity and do not reflect detailed analysis of a product's competitiveness and must not be construed as such by users of this website. The use of popular ratings in comparison tables products may not by application to your personal circumstances.
The use of the term “Popular Credit Card” as labelled in comparison table listings cover products that receive the high click activity from visitors on this website. Such products do not reflect detailed analysis of a product's competitiveness and must not be construed as such by users of this website. The use of these terms for products may not apply in relation to your personal circumstances.
The use of terms such as “Best Credit Cards” and "Top Credit Cards" are not product ratings and are indicating a product selection that is in no particular order. Such products do not reflect detailed analysis of a product's competitiveness and must not be construed as such by users of this website. The use of these terms for products may not apply in relation to your personal circumstances.
The use of various background colours in comparison table listings are aesthetic only and are not indicative of products which have been assessed as the definitive best products in the market.
First, like most regular business sites on the Internet, we collect traffic data. Each time a visitor comes to our web site our servers collect basic technical information including visitor's domain name, referral data, and browser and platform type. This information is analysed in aggregate, and we never track specific sessions and paths people take on the web site. Traffic information is only given out on a need to know basis and is at times shared with advertisers.
Second, unlike most regular business sites on the internet, during the process of a person applying for a credit card, we do not collect or store any personal data, such as a visitor's name, address, date of birth, phone number, e-mail address, proof of income etc, because it contains direct links to on-line applications for all featured credit cards. Credit Card Compare also does not give personal financial advice to individuals. All online applications with personal data are directly taken and stored on the credit card issuer's web servers.
Use of tools such as Smart Search or Beat My Card require users to opt-into our mailing list and they may receive communication from Credit Card Compare and other websites that belong to Boyd Creative Pty Ltd. from time to time. However, users can unsubscribe instantly at anytime.
We may run promotions and competitions from time to time. To enter visitors are required to enter their name and subscribe to our email newsletter. Again, visitors can unsubscribe instantly at anytime.