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Start with how you'll use it. Pay in full each month and you'll want rewards or frequent flyer points; carry a balance and a low interest or balance transfer card will usually save you more.

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Credit card comparison table with rates, fees, rewards and apply links.
Card	Name and rating	Annual fee	Purchase rate	Rewards program	Sign-up bonus	Interest-free days
	FeaturedLatitude Low Rate Mastercard - Balance Transfer Offer	$69	13.99% p.a.	—	—	Up to 55
	FeaturedQantas Money Platinum	$349	20.99% p.a.	Qantas Frequent Flyer	80,000 pts	Up to 44
	CommBank Corporate Charge Card	$40	No interestPay in full each month	—	—	Up to 31
Unity BankStandard •••• •••• •••• •••• Credit Card CompareVisa	Unity Bank Low Rate Visa Credit Card	$50	7.49% p.a.	—	—	Up to 50
Police Credit UnionStandard •••• •••• •••• •••• Credit Card CompareVisa	Police Credit Union SoLo Credit Card	$0	8.74% p.a.	—	—	Up to 0
	First Option Low-Rate Visa Credit Card	$48	10.49% p.a.	—	—	Up to 45
	American Express Low Rate Credit Card	$0	10.99% p.a.	—	—	Up to 55	60 second approval
	Hume Value Visa	$0	11.95% p.a.	—	—	Up to 55
	Police Credit Union Extralite Credit Card 1 review	$0	14.24% p.a.	—	—	Up to 44
HSBCStandard •••• •••• •••• •••• Credit Card CompareMastercard	HSBC Corporate or Purchasing Card	$40	No interestPay in full each month	—	—	Up to 55
	Police Bank Visa Credit Card 3 reviews	$30	10.76% p.a.	—	—	Up to 55
	Heritage Bank Gold Low Rate Credit Card 1 review	$0	11.80% p.a.	—	—	Up to 0
	QBANK Bluey Visa Credit Card	$0	12.49% p.a.	—	—	Up to 55
	Coastline Visa Credit Card	$25	9.99% p.a.	—	—	Up to 55
Police BankStandard •••• •••• •••• •••• Credit Card CompareVisa	Police Bank Student Credit Card	$0	10.76% p.a.	—	—	Up to 55
	Border Bank Visa Credit Card	$30	10.76% p.a.	—	—	Up to 55
	Credit Union SA Education Community Credit Card	$0	11.49% p.a.	—	—	Up to 55
	Credit Union SA Workplace Benefits Credit Card	$0	11.49% p.a.	—	—	Up to 55
MOVE BankStandard •••• •••• •••• •••• Credit Card CompareVisa	MOVE Bank Low Rate Credit Card	$0	8.99% p.a.	—	—	Up to 45
Bank of ChinaGold •••• •••• •••• •••• Credit Card CompareUnionPay	Bank of China Global UnionPay Card	$60	19.99% p.a.	Bank of China Rewards	—	Up to 50
	South West Slopes Bank Visa Classic Credit Card	$30	13.45% p.a.	—	—	Up to 55
Bank of ChinaStandard •••• •••• •••• •••• Credit Card CompareMastercard	Bank of China Great Wall International Mastercard Credit Card (Low Fee Card)	$20	19.99% p.a.	—	—	Up to 50
Bank of ChinaStandard •••• •••• •••• •••• Credit Card CompareMastercard	Bank of China Great Wall International MasterCard Credit Card (Student Card)	$20	19.99% p.a.	—	—	Up to 50
	Bank Australia Low Rate Visa Credit Card 2 reviews	$0	12.99% p.a.	—	—	Up to 0
	Bankwest Breeze Platinum Mastercard 8 reviews	$59	12.99% p.a.	—	—	Up to 55	60 second approval
	Bankwest Breeze Classic Mastercard 12 reviews	$49	12.99% p.a.	—	—	Up to 55	60 second approval
	Defence Bank Foundation Credit Card	$45	8.99% p.a.	—	—	Up to 55
	ING Orange One Low Rate	$48	12.99% p.a.	—	—	Up to 45
	Teachers Mutual Bank Credit Card 6 reviews	$0	11.50% p.a.	—	—	Up to 55
	humm90 Platinum Mastercard	$119	27.30% p.a.	—	—	Up to 110
	UniBank Credit Card	$0	11.50% p.a.	—	—	Up to 55
	Summerland Bank Low Rate Credit Card	$0	11.99% p.a.	—	—	Up to 55
	Australian Mutual Bank Credit Card	$0	11.50% p.a.	—	—	Up to 55
	Firefighters Mutual Bank Credit Card	$0	11.50% p.a.	—	—	Up to 55
	Health Professionals Bank Credit Card	$0	11.50% p.a.	—	—	Up to 55
	Bankwest Zero Platinum Mastercard 8 reviews	$0	18.99% p.a.	—	—	Up to 55	60 second approval
	National Seniors Credit Card	$50	9.99% p.a.	—	—	Up to 55
	Northern Inland Credit Union Visa Classic Credit Card	$40	14.00% p.a.	—	—	Up to 55
	Australian Military Bank Low Rate Visa Credit Card	$49	11.99% p.a.	—	—	Up to 55
	CommBank Corporate Low Rate Credit Card	$40	14.55% p.a.	—	—	Up to 55
RSL MoneyStandard •••• •••• •••• •••• Credit Card CompareVisa	RSL Money Low Rate Visa Credit Card	$49	11.99% p.a.	—	—	Up to 55
	ANZ Low Rate 96 reviews	$0	13.74% p.a.	—	—	Up to 55	60 second approval
	Beyond Bank Low Rate Visa Credit Card 4 reviews	$59	12.49% p.a.	—	—	Up to 62
	Qudos Bank Lifestyle Credit Card	$0	12.34% p.a.	—	—	Up to 0
	Queensland Country Bank Visa Credit Card	$39	14.74% p.a.	—	—	Up to 55
	Woolworths Team Bank Visa Credit Card	$24	13.45% p.a.	—	—	Up to 55
	Westpac Lite Card	$108	9.90% p.a.	—	—	Up to 45	60 second approval
	BankVic Low Rate Visa	$0	13.95% p.a.	—	—	Up to 44
	Qudos Bank Lifestyle Plus Credit Card	$0	15.85% p.a.	—	—	Up to 46
	Bank of us Visa Credit Card	$39	9.99% p.a.	—	—	Up to 58
	Community First Low Rate Blue Credit Card	$50	8.99% p.a.	—	—	Up to 55
	Community First Low Rate Pink Credit Card	$50	8.99% p.a.	—	—	Up to 55
	Greater Bank Visa Credit Card 6 reviews	$49	9.95% p.a.	—	—	Up to 55
	Bank Australia Visa Credit Card 5 reviews	$0	19.74% p.a.	—	—	Up to 55
	Bendigo Bank Ready Credit Card	$0	19.99% p.a.	—	—	Up to 55
	Credit Union SA Visa Credit Card	$59	11.99% p.a.	—	—	Up to 55
	Macquarie RateSaver Card	$69	15.95% p.a.	—	—	Up to 55
	Community First Low Rate Credit Card	$50	9.99% p.a.	—	—	Up to 55
	HSBC Low Rate Credit Card	$99	12.99% p.a.	—	—	Up to 55
	Horizon Bank Visa Credit Card	$49	12.95% p.a.	—	—	Up to 55
	CommBank Corporate Interest Free Days Card	$40	17.57% p.a.	—	—	Up to 55
	Greater Bank Business Visa Credit Card	$49	6.96% p.a.	—	—	Up to 55
	Great Southern Bank Low Rate Credit Card	$60	11.99% p.a.	—	—	Up to 55
Bank of QueenslandStandard •••• •••• •••• •••• Credit Card CompareVisa	BOQ Low Rate Visa Credit Card	$65	13.99% p.a.	—	—	Up to 55
	BCU Classic Credit Card 4 reviews	$45	11.95% p.a.	—	—	Up to 52
	Newcastle Permanent Value+ Credit Card 1 review	$49	11.99% p.a.	—	—	Up to 55
	Bankwest Zero Classic Mastercard 12 reviews	$0	18.99% p.a.	—	—	Up to 55	60 second approval
Commonwealth BankStandard •••• •••• •••• •••• Credit Card CompareMastercard	CommBank Interest-free Low Fee Credit Card	$10/mo	No interestA $10 monthly fee applies instead	—	—	Up to 0	60 second approval
	American Express Platinum Card 16 reviews	$1,450	No interestPay in full each month	American Express Membership Rewards	200,000 pts	Up to 44	60 second approval
	NAB Low Rate Credit Card 69 reviews	$0	13.99% p.a.	—	—	Up to 55	60 second approval
	People First Bank Visa Credit Card 5 reviews	$59	12.95% p.a.	—	—	Up to 62
	The Mutual Visa Credit Card	$49	12.49% p.a.	—	—	Up to 55
	P&N Bank Visa Classic Credit Card	$49	11.99% p.a.	—	—	Up to 45
	Zip Plus	$0	13.70% p.a.	Zip Rewards	—	Up to 0
	Bank of Melbourne Vertigo Card 10 reviews	$84	13.99% p.a.	—	—	Up to 55	60 second approval
	Westpac Low Rate Card 38 reviews	$84	13.74% p.a.	—	—	Up to 55	60 second approval
	St.George Vertigo Card 35 reviews	$84	13.99% p.a.	—	—	Up to 55	60 second approval
	BankSA Vertigo 6 reviews	$84	13.99% p.a.	—	—	Up to 55	60 second approval
	St.George Rainbow Vertigo Card	$84	13.99% p.a.	—	—	Up to 55	60 second approval
	Bank First Visa Platinum Credit Card	$99	11.49% p.a.	—	—	Up to 55
	Hume Clear Visa Credit Card	$30	14.95% p.a.	Hume Loyalty Program	—	Up to 55
	American Express Corporate Gold Card	$105	No interestPay in full each month	American Express Membership Rewards	75,000 pts	Up to 51
	American Express Qantas Corporate Gold Card	$105	No interestPay in full each month	American Express Membership Rewards	75,000 pts	Up to 51
Virgin MoneyStandard •••• •••• •••• •••• Credit Card CompareVisa	Virgin Money No Annual Fee Credit Card	$0	19.99% p.a.	—	—	Up to 55	Application
	Heritage Bank Business Visa Secured Credit Card	$45	10.65% p.a.	—	—	Up to 40
	Regional Australia Bank Your Choice Credit Card	$40	14.69% p.a.	—	—	Up to 55
	CommBank Business Low Rate Credit Card	$0	14.55% p.a.	—	—	Up to 0	60 second approval
	Westpac Low Rate Card - Cashback Offer	$59	13.74% p.a.	—	—	Up to 55	60 second approval
	Bank First Visa Classic Credit Card	$30	12.54% p.a.	—	—	Up to 55
Commonwealth BankStandard •••• •••• •••• •••• Credit Card CompareMastercard	CommBank Interest-Free Days Credit Card	$60	17.57% p.a.	—	—	Up to 55	60 second approval
Virgin MoneyStandard •••• •••• •••• •••• Credit Card CompareVisa	Virgin Money Low Rate Credit Card	$99	12.99% p.a.	—	—	Up to 55	Application
	MyCard Clear - Balance Transfer Offer	$149	14.99% p.a.	—	—	Up to 44
	American Express Platinum Business Card 6 reviews	$1,750	No interestPay in full each month	American Express Membership Rewards	350,000 pts	Up to 55	60 second approval
	Bankwest More Platinum Mastercard 5 reviews	$160	14.99% p.a.	Bankwest More Rewards Program	50,000 pts	Up to 44	60 second approval
	NAB Rewards Business Signature Card	$175	19.50% p.a.	NAB Rewards	200,000 pts	Up to 44	60 second approval
	Unity Bank Low Rate Business Credit Card	$50	12.49% p.a.	—	—	Up to 50
	G&C Mutual Bank Low Rate Business Credit Card	$50	12.49% p.a.	—	—	Up to 50
	Heritage Bank Business Visa Credit Card	$45	12.95% p.a.	—	—	Up to 40
	CommBank Neo Card	From $15/mo	No interestA $15 monthly fee applies instead	—	—	Up to 0	60 second approval
	American Express Qantas Corporate Card	$70	No interestPay in full each month	American Express Membership Rewards	50,000 pts	Up to 51
	American Express Corporate Card	$70	No interestPay in full each month	American Express Membership Rewards	50,000 pts	Up to 51
	Westpac Altitude Rewards Platinum 19 reviews	$99	23.98% p.a.	Westpac Altitude Rewards	100,000 pts	Up to 45	60 second approval
	CommBank Low Rate Credit Card 95 reviews	$72	13.99% p.a.	—	—	Up to 55	60 second approval
	MyCard Clear 15 reviews	$149	14.99% p.a.	—	—	Up to 44
	NAB Low Rate - Cashback Offer	$59	13.49% p.a.	—	—	Up to 55	60 second approval
	St.George Vertigo Card - Cashback Offer	$55	13.99% p.a.	—	—	Up to 55	60 second approval
	St.George Amplify Rewards Platinum	$99	23.98% p.a.	Amplify Rewards	100,000 pts	Up to 45	60 second approval
	Bendigo Bank Bright Credit Card	$59	11.99% p.a.	—	—	Up to 55
	Bank of Melbourne Vertigo Card - Cashback Offer	$55	13.99% p.a.	—	—	Up to 55	60 second approval
	BankSA Amplify Rewards Platinum	$99	23.98% p.a.	Amplify Rewards	100,000 pts	Up to 45	60 second approval
	Bank of Melbourne Amplify Rewards Platinum	$99	23.98% p.a.	Amplify Rewards	100,000 pts	Up to 45	60 second approval
	American Express Corporate Platinum Card	$800	No interestPay in full each month	American Express Membership Rewards	350,000 pts	Up to 51
	Macquarie Black Card	$249	20.70% p.a.	Macquarie Credit Card Rewards Program	—	Up to 55
	BankSA Vertigo - Cashback Offer	$55	13.99% p.a.	—	—	Up to 55	60 second approval
	Macquarie Platinum Card 2 reviews	$149	20.70% p.a.	Macquarie Credit Card Rewards Program	—	Up to 55
	Westpac Altitude Rewards Black 18 reviews	$200	23.98% p.a.	Westpac Altitude Rewards	200,000 pts	Up to 45	60 second approval
	Bankwest More World Mastercard 4 reviews	$270	14.99% p.a.	Bankwest More Rewards Program	50,000 pts	Up to 44	60 second approval
	St.George Amplify Rewards Signature 4 reviews	$199	23.98% p.a.	Amplify Rewards	200,000 pts	Up to 45	60 second approval
	NAB Low Rate Business Card	$0	13.99% p.a.	—	—	Up to 55	60 second approval
	BankSA Amplify Rewards Signature	$199	23.98% p.a.	Amplify Rewards	200,000 pts	Up to 45	60 second approval
	Bank of Melbourne Amplify Rewards Signature	$199	23.98% p.a.	Amplify Rewards	200,000 pts	Up to 45	60 second approval
	Bendigo Bank Business Credit Card	$48	13.99% p.a.	—	—	Up to 44
RevolutStandard •••• •••• •••• •••• Credit Card CompareVisa	Revolut Credit Card	$0	20.99% p.a.	RevPoints	—	Up to 44
	Westpac Low Fee Card	$0	20.99% p.a.	—	—	Up to 55	60 second approval
	NAB Rewards Platinum Card	$195	22.49% p.a.	NAB Rewards	100,000 pts	Up to 44	60 second approval
	St.George BusinessVantage Visa	$55	9.99% p.a.	—	—	Up to 55	60 second approval
	BankSA Amplify Business Credit Card	$0	19.49% p.a.	Amplify Rewards	—	Up to 55	60 second approval
	BankSA Visa Business Credit Card	$55	9.99% p.a.	—	—	Up to 55	60 second approval
	Hume Business Visa Residentially Secured Credit Card	$60	10.10% p.a.	Hume Loyalty Program	—	Up to 55
	Hume Business Visa Commercially Secured Credit Card	$60	10.60% p.a.	Hume Loyalty Program	—	Up to 55
	Bank of Melbourne Amplify Business Credit Card	$0	19.49% p.a.	Amplify Rewards	—	Up to 55	60 second approval
	Bank of Melbourne BusinessVantage Visa	$55	9.99% p.a.	—	—	Up to 55	60 second approval
	Summerland Bank Rewards Credit Card	$0	18.99% p.a.	Rewarder Rewards Program	—	Up to 55
Bank of ChinaStandard •••• •••• •••• •••• Credit Card CompareMastercard	Bank of China Great Wall International Mastercard Credit Card (Low Rate Card)	$40	19.99% p.a.	Bank of China Rewards	—	Up to 50
	ANZ Low Rate - Credit Back Offer	$58	13.74% p.a.	—	—	Up to 55	60 second approval
	Kogan Money Credit Card	$0	21.99% p.a.	Kogan Rewards Program	—	Up to 44
	MyCard Simplicity	$49	22.49% p.a.	—	—	Up to 44
	CommBank Low Fee Credit Card 85 reviews	$36	20.99% p.a.	—	—	Up to 55	60 second approval
	NAB Rewards Signature Card	$395	22.49% p.a.	NAB Rewards	110,000 pts	Up to 44	60 second approval
	Hume Business Visa Unsecured Credit Card	$60	13.60% p.a.	Hume Loyalty Program	—	Up to 55
David JonesStandard •••• •••• •••• •••• Credit Card CompareMastercard	David Jones Icon Credit Card	$0	25.74% p.a.	David Jones Credit Card Points	—	Up to 56	Application
	Coles Rewards Mastercard 75 reviews	$99	21.99% p.a.	Flybuys	40,000 pts	Up to 44
	ANZ Rewards Black Credit Card 1 review	$320	22.49% p.a.	ANZ Rewards Program	180,000 pts	Up to 44	60 second approval
	Latitude 28° Global Platinum Mastercard 47 reviews	$0	28.99% p.a.	Latitude Rewards	—	Up to 55
	NAB Low Fee Card 48 reviews	$49	22.49% p.a.	—	—	Up to 44	60 second approval
	ANZ Rewards Platinum	$94	22.49% p.a.	ANZ Rewards Program	125,000 pts	Up to 44	60 second approval
	Qantas Money Titanium	$1,200	20.99% p.a.	Qantas Frequent Flyer	150,000 pts	Up to 44
	Wizitcard	$19/mo	No interestA $19 monthly fee applies instead	—	—	Up to 0
Bank of ChinaGold •••• •••• •••• •••• Credit Card CompareMastercard	Bank of China Great Wall International Mastercard Credit Card (Gold Card)	$100	19.99% p.a.	Bank of China Rewards	—	Up to 50
	Westpac Altitude Business Gold Credit Card	$0	20.24% p.a.	Westpac Altitude Rewards	—	Up to 55	60 second approval
	ANZ Business Low Rate	$0	12.99% p.a.	—	—	Up to 0	60 second approval
	ING Orange One Rewards Platinum	$149	16.99% p.a.	—	—	Up to 45
	MyCard Prestige	$700	22.49% p.a.	MyCard Rewards	250,000 pts	Up to 44
	Coles No Annual Fee Mastercard 77 reviews	$0	21.99% p.a.	Flybuys	—	Up to 44
	American Express Explorer Credit Card 5 reviews	$395	23.99% p.a.	American Express Membership Rewards	75,000 pts	Up to 55	60 second approval
	ANZ First 80 reviews	$30	22.49% p.a.	—	—	Up to 55	60 second approval
	Bankwest More Classic Mastercard 7 reviews	$100	14.99% p.a.	Bankwest More Rewards Program	20,000 pts	Up to 44	60 second approval
	P&N Bank Visa Platinum Credit Card	$99	11.99% p.a.	—	—	Up to 45
	MyCard Prestige - Velocity Points Offer	$700	22.49% p.a.	MyCard Rewards	200,000 pts	Up to 44
	MyCard Premier	$300	22.49% p.a.	MyCard Rewards	150,000 pts	Up to 44
	Coles Low Rate Mastercard 18 reviews	$58	13.49% p.a.	Flybuys	—	Up to 55
CoastlineStandard •••• •••• •••• •••• Credit Card CompareVisa	Coastline Visa Business Credit Card	$120	14.05% p.a.	—	—	Up to 55
	St.George Amplify Business Credit Card	$0	19.49% p.a.	Amplify Rewards	—	Up to 55	60 second approval
	Westpac BusinessChoice Everyday Credit Card	$75	14.25% p.a.	—	—	Up to 55	60 second approval
	BOQ Specialist Platinum Credit Card	$0	13.99% p.a.	Qantas Frequent Flyer	—	Up to 55
	ANZ Platinum Credit Card 19 reviews	$0	22.49% p.a.	—	—	Up to 55	60 second approval
	Bendigo Bank Platinum Rewards Credit Card	$89	19.99% p.a.	Bendigo Rewards	—	Up to 55
	BankVic Qantas Visa Credit Card	$0	18.95% p.a.	Qantas Frequent Flyer	—	Up to 55
	American Express Qantas Corporate Platinum Card	$1,200	No interestPay in full each month	American Express Membership Rewards	350,000 pts	Up to 51
	American Express Business Gold Plus Card 2 reviews	$395	No interestPay in full each month	American Express Membership Rewards	200,000 pts	Up to 55	60 second approval
	American Express Velocity Business Card	$249	No interestPay in full each month	Velocity Frequent Flyer	150,000 pts	Up to 51	60 second approval
	HSBC Platinum Credit Card	$199	19.99% p.a.	HSBC Rewards Plus	—	Up to 55
	CommBank Smart Awards Credit Card	$228	20.99% p.a.	CommBank Awards Program	40,000 pts	Up to 44	60 second approval
	Latitude Gem Visa	$131	28.99% p.a.	—	—	Up to 55
	Westpac Altitude Business Platinum Credit Card	$200	20.24% p.a.	Westpac Altitude Rewards	—	Up to 55	60 second approval
	CommBank Business Interest-Free Days Credit Card	$60	17.57% p.a.	—	—	Up to 55	60 second approval
	HSBC Premier World Mastercard	$199	19.99% p.a.	HSBC Rewards Plus	—	Up to 55
David JonesGold •••• •••• •••• •••• Credit Card CompareMastercard	David Jones Premiere Credit Card	$99	24.99% p.a.	David Jones Rewards	—	Up to 55	Application
	MyCard Rewards - Velocity Points Offer	$199	22.49% p.a.	MyCard Rewards	80,000 pts	Up to 44
	Heritage Bank Classic Visa Credit Card 6 reviews	$55	17.99% p.a.	Heritage Credit Rewards	—	Up to 55
	ANZ Business Black	$300	20.24% p.a.	ANZ Rewards Program	150,000 pts	Up to 44	60 second approval
	BankSA Amplify Qantas Platinum	$175	23.98% p.a.	Qantas Frequent Flyer	100,000 pts	Up to 45	60 second approval
	St.George Amplify Qantas Platinum	$175	23.98% p.a.	Qantas Frequent Flyer	100,000 pts	Up to 45	60 second approval
	Westpac BusinessChoice Rewards Platinum Credit Card	$150	20.24% p.a.	Qantas Business Rewards	100,000 pts	Up to 55	60 second approval
	ANZ Business 55 Interest Free Days	$0	17.74% p.a.	—	—	Up to 55	60 second approval
	MyCard Premier - Velocity Points Offer	$300	22.49% p.a.	MyCard Rewards	100,000 pts	Up to 44
	Bankwest Qantas World Mastercard 1 review	$320	19.99% p.a.	Qantas Frequent Flyer	40,000 pts	Up to 44	60 second approval
	Bank of Melbourne Amplify Qantas Platinum 2 reviews	$175	23.98% p.a.	Qantas Frequent Flyer	100,000 pts	Up to 45	60 second approval
	Bankwest Qantas Platinum Mastercard 4 reviews	$199	19.99% p.a.	Qantas Frequent Flyer	40,000 pts	Up to 44	60 second approval
	Latitude GO Mastercard	$131	28.99% p.a.	—	—	Up to 55
	Westpac Altitude Qantas Platinum	$175	23.98% p.a.	Qantas Frequent Flyer	100,000 pts	Up to 45	60 second approval
WestpacPlatinum •••• •••• •••• •••• Credit Card CompareMastercard	Westpac Altitude Velocity Platinum	$175	23.98% p.a.	Velocity Frequent Flyer	100,000 pts	Up to 45	60 second approval
	Queensland Country Bank Visa My Rewards Credit Card	$89	14.74% p.a.	My Rewards	—	Up to 55
Bank of QueenslandPlatinum •••• •••• •••• •••• Credit Card CompareVisa	BOQ Platinum Visa Credit Card	$75	21.99% p.a.	Q Rewards	100,000 pts	Up to 44
	Qantas American Express Discovery Card 7 reviews	$0	23.99% p.a.	Qantas Frequent Flyer	—	Up to 44	60 second approval
	Heritage Bank Visa Platinum Credit Card 1 review	$125	17.99% p.a.	Heritage Credit Rewards	—	Up to 55
	American Express Qantas Business Rewards Card	$450	No interestPay in full each month	Qantas Business Rewards	150,000 pts	Up to 51	60 second approval
	MONEYME Cashback Rewards Credit Card	$149	26.99% p.a.	—	—	Up to 44
	BCU Rewards Credit Card	$89	13.05% p.a.	—	—	Up to 52
RevolutStandard •••• •••• •••• •••• Credit Card CompareVisa	Revolut Plus Credit Card	$72	20.99% p.a.	RevPoints	—	Up to 44
WestpacBlack •••• •••• •••• •••• Credit Card CompareMastercard	Westpac Altitude Velocity Black	$295	23.98% p.a.	Velocity Frequent Flyer	150,000 pts	Up to 45	60 second approval
	American Express Essential Rewards Credit Card	$108	23.99% p.a.	American Express Membership Rewards	30,000 pts	Up to 55	60 second approval
Virgin MoneySignature •••• •••• •••• •••• Credit Card CompareVisa	Virgin Australia Velocity High Flyer Credit Card	$349	21.99% p.a.	Velocity Frequent Flyer	100,000 pts	Up to 44	Application
Bank of QueenslandStandard •••• •••• •••• •••• Credit Card CompareVisa	BOQ Blue Visa Credit Card	$89	21.99% p.a.	Q Rewards	50,000 pts	Up to 44
RevolutStandard •••• •••• •••• •••• Credit Card CompareVisa	Revolut Premium Credit Card	$144	20.99% p.a.	RevPoints	—	Up to 44
	BankSA Amplify Qantas Signature 1 review	$295	23.98% p.a.	Qantas Frequent Flyer	150,000 pts	Up to 45	60 second approval
	American Express Velocity Escape Plus Card 1 review	$95	23.99% p.a.	Velocity Frequent Flyer	20,000 pts	Up to 55	60 second approval
	MyCard Rewards - Bonus Points Offer 17 reviews	$199	22.49% p.a.	MyCard Rewards	100,000 pts	Up to 44
	Westpac Altitude Qantas Black	$295	23.98% p.a.	Qantas Frequent Flyer	150,000 pts	Up to 45	60 second approval
	St.George Amplify Qantas Signature	$295	23.98% p.a.	Qantas Frequent Flyer	150,000 pts	Up to 45	60 second approval
	Bank of Melbourne Amplify Qantas Signature	$295	23.98% p.a.	Qantas Frequent Flyer	150,000 pts	Up to 45	60 second approval
	MyCard Rewards - Purchase and Balance Transfer Offer	$199	22.49% p.a.	MyCard Rewards	—	Up to 44
	CommBank Business Awards Credit Card 4 reviews	$100	20.74% p.a.	CommBank Awards Program	—	Up to 55	60 second approval
	Qantas American Express Ultimate Card 2 reviews	$450	23.99% p.a.	Qantas Frequent Flyer	50,000 pts	Up to 44	60 second approval
	ANZ Qantas Business Rewards	$300	20.24% p.a.	Qantas Business Rewards	150,000 pts	Up to 44	60 second approval
	NAB Qantas Business Signature Card	$295	19.50% p.a.	Qantas Business Rewards	150,000 pts	Up to 44	60 second approval
	ANZ Frequent Flyer Black	$370	22.49% p.a.	Qantas Frequent Flyer	80,000 pts	Up to 44	60 second approval
	CommBank Ultimate Awards Credit Card	$420	20.99% p.a.	CommBank Awards Program	60,000 pts	Up to 44	60 second approval
	Bendigo Bank Qantas Business Credit Card	$89	19.99% p.a.	Qantas Business Rewards	25,000 pts	Up to 55
Virgin MoneyPlatinum •••• •••• •••• •••• Credit Card CompareVisa	Virgin Money Anytime Rewards Credit Card	$169	21.99% p.a.	Virgin Money Rewards	60,000 pts	Up to 44	Application
	Queensland Country Bank Business Visa My Rewards Credit Card	$85	14.74% p.a.	Rewarder Rewards Program	—	Up to 55
	HSBC Corporate Card	Undisclosed	No interestPay in full each month	—	—	Up to 55
	MyCard Premier Qantas	$350	22.49% p.a.	Qantas Frequent Flyer	80,000 pts	Up to 44
	HSBC Platinum Qantas Credit Card 4 reviews	$399	19.99% p.a.	Qantas Frequent Flyer	—	Up to 55
	Qantas Money Everyday	$99	20.99% p.a.	Qantas Frequent Flyer	8,000 pts	Up to 44
	Qudos Bank Visa Platinum Credit Card	$189	18.99% p.a.	Qantas Frequent Flyer	—	Up to 55
	Great Southern Bank Platinum Credit Card	$144	19.99% p.a.	—	—	Up to 55
RevolutStandard •••• •••• •••• •••• Credit Card CompareVisa	Revolut Metal Credit Card	$348	20.99% p.a.	RevPoints	—	Up to 44
RevolutStandard •••• •••• •••• •••• Credit Card CompareVisa	Revolut Ultra Credit Card	$1,200	20.99% p.a.	RevPoints	—	Up to 44
	American Express Platinum Edge Credit Card 18 reviews	$0	23.99% p.a.	American Express Membership Rewards	—	Up to 55	60 second approval
	ANZ Frequent Flyer Platinum 34 reviews	$240	22.49% p.a.	Qantas Frequent Flyer	40,000 pts	Up to 44	60 second approval
	NAB Qantas Rewards Signature Card	$449	22.49% p.a.	Qantas Frequent Flyer	60,000 pts	Up to 44	60 second approval
	G&C Mutual Bank Platinum Visa Credit Card	$299	19.99% p.a.	Qantas Frequent Flyer	30,000 pts	Up to 50
	NAB Business Card	$108	16.50% p.a.	—	—	Up to 35	60 second approval
	Bank Australia Platinum Rewards Visa Credit Card 2 reviews	$189	20.24% p.a.	Qantas Frequent Flyer	—	Up to 55
	CommBank Awards Credit Card 127 reviews	$96	20.99% p.a.	CommBank Awards Program	—	Up to 44	60 second approval
	Qantas American Express Premium Card 3 reviews	$249	23.99% p.a.	Qantas Frequent Flyer	20,000 pts	Up to 44	60 second approval
Unity BankPlatinum •••• •••• •••• •••• Credit Card CompareVisa	Unity Bank Platinum Visa Credit Card	$299	19.99% p.a.	Qantas Frequent Flyer	30,000 pts	Up to 50
	Bendigo Bank Qantas Platinum Credit Card	$149	19.99% p.a.	Qantas Frequent Flyer	—	Up to 55
David JonesPlatinum •••• •••• •••• •••• Credit Card CompareMastercard	David Jones Prestige Credit Card	$295	24.99% p.a.	David Jones Rewards	—	Up to 55	Application
	American Express Velocity Platinum Card 8 reviews	$440	23.99% p.a.	Velocity Frequent Flyer	50,000 pts	Up to 55	60 second approval
	MyCard Prestige Qantas	$749	22.49% p.a.	Qantas Frequent Flyer	125,000 pts	Up to 44
	HSBC Star Alliance Credit Card	$499	19.99% p.a.	Star Alliance	—	Up to 55
	CommBank Business Platinum Awards Credit Card 13 reviews	$300	20.74% p.a.	CommBank Awards Program	—	Up to 55	60 second approval
	NAB Qantas Rewards Premium Card 18 reviews	$295	22.49% p.a.	Qantas Frequent Flyer	40,000 pts	Up to 44	60 second approval
HSBCStandard •••• •••• •••• •••• Credit Card CompareMastercard	HSBC Premier World Mastercard Qantas	$0	19.99% p.a.	Qantas Frequent Flyer	—	Up to 55
	BOQ Specialist Signature Credit Card	$400	20.50% p.a.	Qantas Frequent Flyer	20,000 pts	Up to 55
	ANNA Money Business Credit Card	$384	No interestPay in full each month	—	—	Up to 30
Virgin MoneyPlatinum •••• •••• •••• •••• Credit Card CompareVisa	Virgin Australia Velocity Flyer Credit Card	$169	21.99% p.a.	Velocity Frequent Flyer	—	Up to 44	Application
MyCardStandard •••• •••• •••• •••• Credit Card CompareMastercard	MyCard Rewards	$249	22.49% p.a.	MyCard Rewards	—	Up to 44
	NAB Purchasing and Corporate Card	Undisclosed	No interestPay in full each month	—	—	Up to 0

What's happening in October

By David BoydUpdated 13 October 2026

Market news
Card surcharge ban takes effect from 1 October 2026.
Australia implemented a ban on credit card surcharges from 1 October 2026. Banks have begun cutting rewards programs and free travel insurance in response to reduced interchange fee revenue.
Banks are removing perks like rewards and travel insurance from credit cards to offset lost income from the surcharge ban, which means cardholders may get less value from their annual fees (median $70 across the 251 cards we track).
Market news
NAB cuts credit card rewards points up to 50% ahead of RBA surcharge ban.
NAB has reduced rewards earn rates on its credit cards in advance of regulatory changes banning credit card surcharges. Other banks are expected to follow similar moves.
Banks are cutting rewards before a regulatory change bans surcharges, which means cardholders earning points on everyday purchases may see those benefits reduce across the market.
Market news
Major Australian banks increase fees and reduce rewards as card surcharge ban approaches.
Australia's big banks are hiking credit card fees and cutting rewards programmes ahead of planned restrictions on card surcharges. The changes reflect industry adjustment to regulatory pressure on merchant fees.
If you're paying an annual fee around the $70 median we're tracking across 251 cards, banks are now making those fees work harder as rewards programmes shrink and other charges increase.
Market news
ATO credit card payment ban delayed 12 months following business backlash.
The Australian Tax Office's planned ban on credit card payments, scheduled for October 2026, has been delayed for 12 months after widespread opposition from small businesses and government pressure.
Market news
Major credit card changes take effect in October.
Significant changes to credit card products and terms are coming into force in October. The specific nature of these changes affects cardholders' terms and conditions.
Changes arriving in October will alter the terms on cards you might already hold, so it's worth reviewing your current card's features and fees when the new rules take effect.
Market data
Australians owed $44.7 billion on credit and charge cards in August 2026
Of that, $21.6 billion was still accruing interest, up 0.6% on the month (seasonally adjusted, Reserve Bank of Australia).
More than half the credit card debt Australians carry is still collecting interest each month, suggesting many people are paying down balances slowly or carrying revolving debt.

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