Credit Card Comparison

Compare and apply for your new credit card online within minutes with our free to use comparison of 170+ cards.

Verified by David Boyd   |   Updated 28 May 2024

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Comparing credit cards

American Express Explorer Credit Card

On website

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$395.00 p.a. ongoing

Highlights

  • Obtain 50,000 Bonus Membership Rewards Points upon application approval and spending $4,000 on your new Card within the initial 3 months. T&Cs apply. Exclusive to New Amex Card Members.
  • Enjoy a $400 Travel Credit annually for flights, hotels, and car rentals when booked online using this card.
  • Benefit from complimentary domestic and international travel insurance coverage.

Pros

  • The 50,000 bonus Membership Rewards Points when approved and reach spend requirement within the first 3 months.
  • Receive a $400 travel credit every year.
  • Earn 2 Membership Rewards points per $1 spent on purchases except for government bodies in Australia where you will earn 1 point per $1 spent (uncapped).
  • Get two complimentary entries per year to The Centurion® Lounge.

Cons

  • The $395 p.a. annual fee.
Bankwest Zero Platinum Mastercard

On website

Balance transfer

28 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Annual fee waived.
  • 0% p.a. interest for 28 months on transferred balances (with a 3% balance transfer fee). Returns to 14.99% p.a. thereafter.
  • No charges for foreign transactions.
  • Offer valid for new customers within a specified timeframe. Additional fees and terms and conditions apply.

Pros

  • No annual fee to pay — ever.
  • Very long interest-free balance transfer offer.
  • No fees on purchases in a foreign currency.

Cons

  • There is a 3% fee on balance transfers.
  • You can't earn rewards points.
American Express Essential® Rewards Credit Card

On website

Apply by 23 July 2024

American Express Essential® Rewards Credit Card

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$108.00 p.a. ongoing

Highlights

  • Get up to 80,000 Membership Rewards points. Within your initial 120 days upon applying by 23 July 2024, and getting approved for American Express Essential® Rewards Credit Card, you can accumulate 20,000 Membership Rewards points for every 30 days when you spend $1,000 on eligible purchases using your Card during the first 120 days. T&Cs apply. New American Express Card Members only.
  • You can earn up to 5 points on your first 10,000 points per month.
  • A modest $9 monthly fee is applicable.

Pros

  • Earn 5 points on eligible restaurants and food delivery, 3 points on selected streaming services, 2 points at selected retailers, and 1 point everywhere else.
  • Enjoy up to 15% back through MyAmexShop
  • Get up to 4 Additional Cards at no extra charge.
  • Comes with Smartphone screen insurance, retail insurance, and Fraud Protection.

Cons

  • Accelerated earn rate is capped.
  • The monthly fee adds up to $108 annually.
  • Doesn't come with travel insurance.
Bankwest Breeze Mastercard

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

12 months at 0% p.a.

Annual fee

$49.00 p.a. ongoing

Highlights

  • Benefit from 0% p.a. interest on balance transfers for 12 months (with a 2% BT fee, then 12.99% p.a.).
  • 0% p.a. for 12 months on purchases (returning to 12.99% p.a.).
  • Enjoy up to 55 interest-free days on purchases.
  • Exclusive offer for new customers for a limited time. Additional charges, as well as terms and conditions, apply.

Pros

  • 0% p.a. on balance transfers for 12 months.
  • 0% p.a. for 12 months on purchases.
  • Up to 55 interest-free days on purchases.

Cons

  • There are no rewards on this card.
  • There is a 2% BT fee.
American Express Platinum Card

On website

Apply by 25 June 2024

American Express Platinum Card

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$1,450.00 p.a. ongoing

Highlights

  • Acquire 150,000 Bonus Membership Rewards Points by applying before 25 June 2024, getting approved, and spending $5,000 on your new Card within the initial 3 months. T&Cs apply. Exclusive to New Amex Card Members.
  • Utilize a $450 Platinum Travel Credit annually for flight, hotel, or car rental bookings.
  • Indulge in up to $400 per calendar year when dining at a curated selection of over 1,400 hand-picked restaurants, both domestically and internationally. Terms and Conditions apply.

Pros

  • Receive 150,000 Bonus Membership Rewards Points when you meet the criteria.
  • Receive a $450 Platinum Travel Credit each year.
  • Enjoy up to $400 Global Dining Credit per calendar year.
  • Access to more than 1,400 lounges globally, including The Centurion® Lounge.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.

Cons

  • The annual fee of $1,450.
Citi Rewards 100,000 Bonus Citi Reward Points Offer

On website

Citi Rewards 100,000 Bonus Citi Reward Points Offer

Balance transfer

N/A

Purchase rate

21.49% p.a. ongoing

Annual fee

$99.00 for 1st year

Highlights

  • Receive 100,000 bonus Citi reward Points after spending $5,000 on eligible purchases within the initial 90 days from approval. Terms and Conditions apply.
  • The initial year presents a discounted annual fee of $99 ($199 p.a. thereafter).
  • Comes with complimentary mobile phone Insurance

Pros

  • Earn 100,000 bonus points when you meet the criteria.
  • Discounted annual fee.
  • You can pay or shop using your Citi reward points.
  • Complimentary VIP membership for one year with Wrapd.

Cons

  • No ongoing introductory balance transfer or purchase offer.
American Express Velocity Platinum Credit Card

On website

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$375.00 p.a. ongoing

Highlights

  • Get 60,000 bonus Velocity Points upon applying by 26 June 2024, getting approved, and making $3,000 in eligible purchases with your new Card within the initial 3 months. Offer valid for new Amex Card Members exclusively.
  • Receive a complimentary Virgin Australia return Economy domestic flight between specified cities annually following your first Card spend each year.
  • Benefit from 2 complimentary Virgin Australia lounge passes each year at selected domestic airports.

Pros

  • Receive 60,000 bonus Velocity Points when you meet the criteria.
  • Complimentary Virgin Australia return Economy domestic flight between selected cities each year after your first Card spend each anniversary year.
  • Enjoy 2 complimentary Virgin Australia lounge passes each anniversary year at selected domestic airports.
  • Receive 100 Velocity Frequent Flyer Status Credits, when you spend a minimum of $50,000 within your card membership year.
  • Complimentary domestic and international travel insurance.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.
  • Add up to 4 additional cardholders for free.

Cons

  • The interest rates applied to balances carried over is on the high end.
  • There is no balance transfer offer on this card.
Citi Clear Credit Card

On website

Citi Clear Credit Card

Balance transfer

28 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • Benefit from 0% p.a. for 28 months on Balance Transfers (with a 2% Balance Transfer fee). Rate reverts to cash advance rate.
  • Enjoy a low ongoing variable purchase rate of 14.99% p.a.
  • Add up to 4 supplementary cardholders at zero additional expense.

Pros

  • Low ongoing variable purchase rate of 14.99% p.a.
  • Includes complimentary insurance.
  • Up to 55 days interest-free on retail purchases.
  • Enjoy 10% off (up to $250) Limited Time LUX Exclusive hotel offers until 1 March 2025.

Cons

  • There is no rewards program on this card.
  • The annual fee of $99.
Bankwest Zero Mastercard

On website

Balance transfer

28 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Avoid annual fees for the duration of card ownership.
  • 0% p.a. for 28 months on transferred balances (with a 3% balance transfer fee). Returns to 14.99% p.a. thereafter.
  • Enjoy up to 55 days interest-free on purchases.
  • Offer exclusive to new customers for a limited time. Additional fees and charges, as well as terms and conditions, apply.

Pros

  • There is no annual fee for as long as you keep the card.
  • The current balance transfer offer is extremely competitive.
  • Interest on purchases is comparatively low.

Cons

  • Balance transfers incur a one-off fee.
  • You cannot earn credit card points.
American Express Platinum Edge Credit Card

On website

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • No annual fee in the initial year, saving you $195.
  • Accrue 3 Membership Rewards points for every $1 spent at major supermarkets and petrol stations.
  • Access $200 allocated for annual travel expenses, applicable towards eligible flights, hotels, or car rentals when booked through American Express Travel.

Pros

  • $0 annual fee in the first year, saving you $195.
  • Receive $200 to spend on eligible domestic and international flights, hotels, or car hire with American Express Travel.
  • Smartphone Screen Cover for smartphone screen repairs up to $500.

Cons

  • The ongoing purchase rate of 23.99%.
Bankwest Breeze Platinum Mastercard

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

12 months at 0% p.a.

Annual fee

$69.00 p.a. ongoing

Highlights

  • Experience 0% p.a. interest on balance transfers for 12 months (with a 2% BT fee, then 12.99% p.a.).
  • 0% p.a. for 12 months on purchases (reverting to 12.99% p.a.).
  • Benefit from up to 55 interest-free days.
  • Offer exclusively for new customers within a specified period. Additional charges, along with terms and conditions, apply.

Pros

  • 0% p.a. on balance transfers for 12 months.
  • 0% p.a. for 12 months on purchases.
  • No foreign transaction fees. Plus, complimentary overseas travel insurance for you and your family.

Cons

  • There is no rewards program on this card.
  • There is a 2% BT fee.
The Qantas American Express Premium Card

On website

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$249.00 p.a. ongoing

Highlights

  • Obtain 20,000 bonus Qantas Points upon online application approval and spending $3,000 within 3 months. Exclusive to New Amex Card Members.
  • Enjoy 2 complimentary Qantas Club invitations annually (conditions apply).
  • Benefit from complimentary domestic and international travel insurance coverage.

Pros

  • 20,000 bonus Qantas points for signing up and hitting the spending target.
  • Earn points on your everyday spend. Also earns points at a reduced rate on government spend.
  • Give up to 4 of your friends and family a card — at no extra cost — to earn more points.
  • $450 Qantas Travel Credit, which is fairly easy to trigger with your first Qantas purchase each year.
  • Comes with complimentary card purchase cover and travel insurance.

Cons

  • There is an annual fee of $249.
  • The purchase rate is quite high, but can be avoided with responsible use.
  • No balance transfer facility.
Qantas American Express Discovery Credit Card

On website

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Acquire 1.75 Qantas Points on eligible Qantas products and services.
  • Earn 0.75 Qantas Point for every $1 spent on Card purchases, except for spending at government bodies in Australia, where you will earn 0.5 Qantas Points per $1 spent.
  • Enjoy no annual card fee.
  • Obtain up to 4 Additional Cards for family members or friends with no extra fee.

Pros

  • Ongoing $0 annual fee, a rarity among rewards credit cards.
  • Earn 0.75 Qantas points per $1 spent and 0.5 Qantas points per $1 for government spend.
  • No cap on the number of points you can earn.
  • Add up to 4 additional cards for family members or friends with no extra fee.
  • Complimentary Card Purchase Cover and Card Refund Cover.

Cons

  • There is a 3% foreign transaction fee.
  • Lacks complimentary travel insurance.
  • There is no access to a concierge service.
St.George Amplify Signature Credit Card (Amplify)

On website

Apply by 31 July 2024

St.George Amplify Signature Credit Card (Amplify)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$199.00 for 1st year

Highlights

  • Up to 150,000 Bonus Amplify Rewards Points earned upon spending $12,000 on eligible purchases within the first 12 months from card approval.
  • Initial card fee of $199 for the first year ($295 p.a. thereafter).
  • 0% p.a. interest for 24 months on balance transfers with a 1% balance transfer fee applied to transferred amounts.
  • Comes with complimentary overseas travel insurance coverage for up to 6 months.

Pros

  • The 150,000 bonus Amplify Rewards Points.
  • Save $96 with the $199 card fee for the first year.
  • Enjoy 2 complimentary Priority Pass lounge visits each year when you enroll in Priority Pass.
  • Comes with concierge services.

Cons

  • After the initial year, the annual fee is $295 p.a.
  • There is a 1% balance transfer fee.
Westpac Altitude Black Credit Card (Altitude)

On website

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$150.00 for 1st year

Highlights

  • Earn up to 150,000 bonus Altitude Points. Receive 100,000 Altitude bonus points by spending $6,000 on eligible purchases within 120 days of card approval. Additionally, get 50,000 points after your first eligible purchase in year 2. Exclusions apply.
  • Initial $150 p.a. annual fee ($295 p.a. thereafter), applicable to new cardholders only.
  • Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.

Pros

  • Earn up to 150,000 bonus Altitude Points when you meet the criteria.
  • Additional savings with the $150 first-year annual fee ($295 p.a. thereafter).
  • Earn 1.25 points per $1 spent on eligible purchases
  • Get 2 complimentary lounge passes each year with Priority Pass.

Cons

  • The high annual fee of $295 p.a. after the initial year.
Westpac Altitude Platinum Credit Card (Qantas)

On website

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$99.00 for 1st year

Highlights

  • Receive up to 80,000 bonus Qantas Points. Acquire 70,000 Qantas Points in the first year upon spending $4k+ on eligible purchases within the initial 90 days from new card approval, and an additional 10,000 points after your first eligible purchase in the second year..
  • Initial $99 p.a. annual fee followed by $175 p.a. thereafter (Plus a $75 Qantas Rewards opt-in annual fee).
  • Earn 0.5 Qantas points per $1 spent on eligible purchases.

Pros

  • Receive up to 80,000 bonus Qantas Points when you meet the criteria.
  • Additional savings with the $99 first-year annual fee ($175 p.a. thereafter).
  • Comes with complimentary insurance covers which include overseas medical and purchase security.

Cons

  • Only up to 45 days interest-free on purchases.
St.George Amplify Platinum Credit Card (Amplify)

On website

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$49.00 for 1st year

Highlights

  • Earn 100,000 bonus Amplify Points upon spending $3,000 on eligible purchases within 90 days from card approval, potentially valued at up to $450 in eGift cards. Exclusions apply.
  • 0% interest for 24 months on balance transfers with a 1% balance transfer fee, which then reverts to the cash advance rate of 21.49% p.a.
  • Enjoy a discounted annual fee of $49 p.a. for the first year ($124 p.a. annual fee thereafter).

Pros

  • The 100,000 bonus Amplify Points.
  • Earn uncapped Amplify Points per dollar on eligible purchases.
  • 0% p.a. for 24 months on balance transfers.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is a 1% balance transfer fee. Other cards offer 0% balance transfer free.
St.George Amplify Platinum Credit Card (Qantas)

On website

Apply by 31 July 2024

St.George Amplify Platinum Credit Card (Qantas)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$49.00 for 1st year

Highlights

  • Up to 70,000 bonus Qantas Points earned upon spending $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% p.a. interest for 24 months on balance transfers with a 1% balance transfer fee, which then reverts to the cash advance rate.
  • Earn 0.5 points per $1 spent (uncapped). Additionally, receive a complimentary Qantas membership fee, saving you $99.50!

Pros

  • The 70,000 bonus Qantas Points.
  • Discounted annual fee on the first year.
  • Complimentary travel and purchase insurance.

Cons

  • There is a 1% balance transfer fee.
  • Points earning rate of 0.5 points is lower than others.
NAB Qantas Rewards Premium Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Annual fee

$150.00 for 1st year

Highlights

  • Receive 70,000 bonus Qantas Points upon spending $2,000 within the initial 60 days.
  • First-year annual fee reduced to $150 p.a. from $250 p.a. (saving $100).
  • Earn 1 Qantas Point per $1.5 spent on everyday purchases up to $3,000 per statement period, and 1 Qantas Point per $3 spent thereafter (capped at $6,000).
  • Enjoy complimentary Qantas Frequent Flyer membership, saving $99.50.

Pros

  • The 70,000 bonus Qantas Points.
  • The discounted annual fee for the first year.
  • Free Qantas Frequent Flyer membership (a saving of $99.50).
  • Comes with a host of complimentary insurances when you make an eligible purchase.
  • Visa Premium Access and NAB Concierge Services 24/7.

Cons

  • Points earning capped at $6,000 spent per statement period.
  • Higher annual fee compared to other Qantas cards.
  • Interest rates are high, which is typical for most rewards-earning cards.
Bank of Melbourne Amplify Platinum Credit Card (Amplify)

On website

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$49.00 for 1st year

Highlights

  • Earn up to 100,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% for 24 months on balance transfers with a 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • $49 p.a. annual fee for the first year ($124 p.a. annual fee thereafter)

Pros

  • The 100,000 bonus Amplify Points.
  • 0% for 24 months on balance transfers.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is a 1% balance transfer fee. Other cards offer 0% balance transfer free.
Bank of Melbourne Amplify Platinum Credit Card (Qantas)

On website

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$99.00 for 1st year

Highlights

  • Receive up to 70,000 bonus Amplify Points. Acquire 60,000 Qantas Points in the first year upon spending $3k+ on eligible purchases within the initial 90 days from new card approval, and an additional 10,000 points after your first eligible purchase in the second year.
  • Benefit from 0% interest for 24 months on balance transfers with a 1% balance transfer fee, reverting to the cash advance rate of 21.49% p.a.
  • Pay an annual fee of $99 for the first year ($124 thereafter).
  • Earn 0.5 points per $1 spent (uncapped). Plus, get a complimentary Qantas membership fee. Saving you $99.50!


From 1 January 2022, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Bonus Qantas Points not included in the cap.


Pros

  • The 70,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Complimentary travel and purchase insurance.

Cons

  • There is a 1% balance transfer fee.
  • Points earning rate of 0.5 points is lower than others.
NAB Qantas Rewards Signature Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Annual fee

$295.00 for 1st year

Highlights

  • Gain up to 120,000 bonus Qantas Points. Acquire 90,000 bonus points upon spending $3,000 within the initial 60 days from account approval date and an additional 30,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.
  • Benefit from 0% on balance transfers for 12 months with a 3% Balance Transfer Fee.
  • First-year annual fee reduced to $295 p.a. from $395 p.a. (saving you $100).

Pros

  • Complimentary Qantas Frequent Flyer membership fee valued at $99.50.
  • Six complimentary insurances when you make an eligible purchase.
  • Earn 1 Qantas Point per $1 spent on everyday purchases up to $5,000 per statement period then 0.05 pts per $1 spent thereafter (capped at $20,000).

Cons

  • Annual fee of $395 p.a. is quite high.
Bendigo Bank Platinum Rewards Credit Card

On website

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$89.00 p.a. ongoing

Highlights

  • Receive 1.5 Bendigo rewards points for each $1 spent.
  • Enjoy up to 90 days of international travel insurance.
  • No charge for supplementary cardholders.

Pros

  • Earn 1.5 Bendigo Bank Rewards points for every dollar spent.
  • Up to 90 days of international travel insurance in any 12-month period.
  • Comes with an extended warranty on purchases.

Cons

  • No sign up bonus offer as of the moment.
  • No introductory balance transfer offer.
NAB Rewards Signature Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Annual fee

$145.00 for 1st year

Highlights

  • Earn up to 160,000 bonus Points. Obtain 120,000 bonus points upon spending $3,000 within the initial 60 days from the account approval date and an additional 40,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.
  • Benefit from a reduced annual card fee of $145 p.a. for your first year (reverts to $295 p.a. thereafter).
  • Accrue 2.5 points on purchases made in major department and hardware stores.
  • Gain 1.25 points for every $1 spent on everyday purchases.

Pros

  • Earn up to 160,000 bonus NAB Rewards Points when you meet the criteria.
  • The discounted $145 annual fee on the first year.
  • 0% p.a. on balance transfers for 12 months.
  • Includes international travel insurance.

Cons

  • Only 44 interest-free days.
  • There is a 3% balance transfer fee.
BankSA Amplify Signature Credit Card (Qantas)

On website

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$295.00 p.a. ongoing

Highlights

  • Receive up to 90,000 bonus Qantas Points upon spending $6,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • Enjoy 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee on transferred amounts.
  • Benefit from complimentary overseas travel insurance for up to 6 months.

Pros

  • The 90,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • There is a 1% balance transfer fee.
  • The annual fee of $295 p.a.
BankSA Amplify Platinum Credit Card (Qantas)

On website

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$99.00 for 1st year

Highlights

  • Receive up to 70,000 bonus Amplify Points. Acquire 60,000 Qantas Points in the first year upon spending $3k+ on eligible purchases within the initial 90 days from new card approval, and an additional 10,000 points after your first eligible purchase in the second year.
  • Enjoy 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee, reverting to the cash advance rate.
  • Earn 0.5 points per $1 spent (uncapped) and receive a complimentary Qantas membership fee, saving you $99.50!

Pros

  • The 70,000 bonus Qantas Points.
  • Discounted annual fee on the first year.
  • Complimentary travel and purchase insurances.

Cons

  • There is a 1% balance transfer fee.
  • Points earning rate of 0.5 points is lower than others.
BankSA Amplify Platinum Credit Card (Amplify)

On website

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$99.00 for 1st year

Highlights

  • Earn up to 100,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% for 24 months on balance transfers with a 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • $49 p.a. annual fee for the first year ($124 p.a. annual fee thereafter)

Pros

  • The 100,000 bonus Amplify Points.
  • 0% for 24 months on balance transfers.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is a 1% balance transfer fee. Other cards offer 0% balance transfer free.
Great Southern Bank Platinum Credit Card

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$149.00 p.a. ongoing

Highlights

  • Earn one Platinum Rewards Point for $1 you spend using your card.
  • Feel secure with complimentary Purchase protection insurance.
  • Enjoy up to 9 additional cards for no extra cost.

Pros

  • 90-day purchase protection.
  • Get up to 55 days interest-free on purchases
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is a 3.4% foreign exchange fee.
Qantas Premier Platinum Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$349.00 for 1st year

Highlights

  • Get up to 100,000 bonus Qantas Points. Get 70,000 bonus Qantas Points upon spending $3,000 or more on eligible purchases within 3 months from card approval. Plus, an extra 30,000 bonus points if you haven't earned Qantas Points with a credit card in the past 12 months. Terms and Conditions apply.
  • Benefit from 0% on Balance Transfer for 12 months with no Balance Transfer fee. Returns to Cash Advance rate thereafter. No interest-free days are applicable on retail purchases with an outstanding balance transfer.
  • Benefit from the reduced annual fee of $349 p.a. for the initial year. An ongoing annual fee of $399 p.a. is applicable in the 2nd year.

Pros

  • Earn up to 100,000 bonus Qantas Points when you meet the criteria.
  • 0% p.a. for 12 months on balance transfers.
  • Additional savings with the $349 first-year annual fee.
  • Comes with complimentary travel insurance.

Cons

  • The annual fee increases to $399 p.a. after the initial year.
Westpac Altitude Black Credit Card (Qantas)

On website

Apply by 31 July 2024

Westpac Altitude Black Credit Card (Qantas)

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$295.00 p.a. ongoing

Highlights

  • Earn up to 120,000 bonus Qantas Points. Obtain 90,000 points upon spending $6,000 in the initial 90 days from the account approval date. Additionally, receive 30,000 points after making your eligible purchase in the second year.
  • Earn 0.75 Qantas points per $1 spent.
  • Enjoy two (2) complimentary Qantas Club airport lounge passes annually.

Pros

  • Earn up to 120,000 bonus Qantas Points when you meet the criteria.
  • Get a free additional card holder.
  • Comes with complimentary travel insurance.

Cons

  • The $295 p.a. annual fee (plus a $75 Qantas opt-in fee).
Virgin Australia Velocity High Flyer Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

20.74% p.a. ongoing

Annual fee

$329.00 p.a. ongoing

Highlights

  • Up to 80,000 bonus Velocity Points upon spending $3,500 on eligible purchases within 4 months of card approval. Terms and conditions apply.
  • 0% p.a. interest for 12 months on balance transfers (no balance transfer fee applies). Reverts to cash advance rate of 20.99% p.a.
  • Receive an exclusive $129 Virgin Australia Gift Voucher annually. Terms and Conditions apply.

Pros

  • Earn up to 80,000 bonus Velocity Points when you meet the criteria.
  • Earn 1 Velocity Point per $1 spent on eligible transactions up to $8,000 and 0.5 points per $1 on spending thereafter.
  • Two single entry passes for Virgin Australia domestic lounges every year.
  • Flight voucher worth $129 each year.
  • Comes with International Travel Insurance and Extended Warranty Service.
  • Works with Apple Pay and Samsung Pay.

Cons

  • The ongoing annual fee of $329 p.a.
  • Earn rate is tiered, although the base tier is enough for more people.
  • Only up to 44 interest-free days on purchases.
  • There's an annual fee per additional card.
The Low Rate Credit Card from American Express

On website

Balance transfer

N/A

Purchase rate

10.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Benefit from a competitive 10.99% p.a. interest rate for purchases.
  • Enjoy a perpetual $0 annual fee with card ownership.
  • Access up to 55 days interest-free.

Pros

  • Benefit from a competitive 10.99% p.a. interest rate for purchases.
  • Enjoy a perpetual $0 annual fee with card ownership.
  • Access up to 55 days interest-free.

Cons

  • There are no rewards program for this card.
American Express Business Explorer Credit Card

On website

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Experience $0 Annual Card Fee (usually $149) in the first year when applying by July 23, 2024, and getting approved for the American Express® Business Explorer Credit Card. T&C’s apply. Exclusive to New American Express Card Members.
  • Benefit from two American Express Lounge passes per year at Sydney and Melbourne airports.
  • Receive Complimentary Travel Insurance when paying for your return trip with your Card.

Pros

  • $0 annual fee on the first year.
  • Earn up to 2 points per $1 spent.
  • No fee for up to 99 employee cards.
  • Up to 55 interest-free days.

Cons

  • Annual fee reverts to $149 after the initial year.
  • There is no balance transfer offer for this card.
  • Cash advances are blocked, which might be inconvenient for some.
American Express Platinum Business Card

On website

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$1,750.00 p.a. ongoing

Highlights

  • Obtain 350,000 bonus Membership Rewards points by applying before 25 June 2024, getting approved, and spending $12,000 on your card within the initial 3 months. Exclusive to New American Express Card Members.
  • Earn up to 2.25 pts per $1 spent.
  • Enjoy exclusive Platinum travel, experience, and dining privileges.

Pros

  • The offer of 350,000 bonus Membership Rewards points when you meet the criteria.
  • Earn up to 2.25 pts per $1 spent and 1 point per $1 spent at the ATO.
  • Access to more than 1,400 lounges globally, including The Centurion® Lounge.
  • Gold status match at Marriott Bonvoy, Hilton Honors, and Premium status at Radisson Hotel Group.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.

Cons

  • The annual fee of $1,750 p.a.
  • Since this is a charge card, the balance must be cleared every statement.
  • No balance transfer facility.
American Express Gold Business Card

On website

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$169.00 p.a. ongoing

Highlights

  • Acquire 75,000 bonus Membership Reward points upon application approval and spending $1,000 on your card within the initial 2 months. Exclusive to New American Express Card Members.
  • Earn up to 1.5 Membership Rewards points for every $1 spent.
  • Experience enhanced flexibility with no pre-set spending limit.
  • Benefit from Travel Insurance covering up to $2.5 million in medical emergency expenses.

Pros

  • Receive 75,000 bonus Membership Reward points when you meet the criteria.
  • Earn up to 1.5 Membership Rewards points for every $1 spent.
  • No cap on how many points you can earn.
  • No pre-set spending limit means more flexibility.
  • Spend with Dell Technologies to receive up to $75 credit until 31 December 2024.
  • Membership Rewards points can be transferred to a number of airlines, giving you options when booking travel.

Cons

  • The $119 fee for every additional card added.
  • Doesn't offer airport lounge access.
  • No access to concierge services.
American Express Qantas Business Rewards Card

On website

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$450.00 p.a. ongoing

Highlights

  • Obtain 170,000 bonus Qantas Points with the American Express Qantas Business Rewards Card when applying by 25 June 2024, getting approved, and spending at least $6,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Earn 2 Qantas Points per $1 spent on Qantas products and services, up to 1.25 points per $1 spent on everyday spend, and 0.5 Qantas Points per $1 spent on government spend, utilities, and insurance.
  • Once a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent. *For Card Members who applied for the Card between July 1, 2023, and January 9, 2024, this change will take effect from July 10, 2024.

Pros

  • Earn 170,000 bonus Qantas Points when you meet the criteria.
  • Two complimentary passes for the Qantas Club lounge every year.
  • A flexible Payment Option is available to spread costs over time for a portion of your balance.
  • Power up your business – Spend with Dell Technologies and get up to $100 credit.

Cons

  • The $450 p.a. annual fee.
  • Balance must be repaid in full each month.
  • No concierge service.
  • Lounge passes are valid for Qantas Club and not the international business lounges.
American Express Velocity Escape Card

On website

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Acquire Velocity Points while benefiting from a $0 annual card fee.
  • Points accrued on your card seamlessly transfer to your Velocity account monthly and are redeemable for various rewards such as flights, lodging, car rentals, gift cards, and beyond.
  • Earn 0.75 Velocity Points per $1 spent, except for transactions with Australian government entities, where you'll earn 0.5 Velocity Points per $1 spent.

Pros

  • No annual fee, but still earn points.
  • Earn 1.75 Velocity Points per $1 spent on purchases with Virgin Australia.
  • Get 0.5 points per $1 when paying tax to the ATO using the card.
  • 55 days interest-free on purchases when the previous balance has been cleared in full.

Cons

  • Doesn't come with complimentary travel insurance.
  • No complimentary lounge access.
  • No access to the concierge service.
  • There is no balance transfer offer for this card.
American Express Velocity Business Charge Card

On website

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$249.00 p.a. ongoing

Highlights

  • Get 100,000 Bonus Velocity Points upon applying by 27 August 2024, getting approval, and fulfilling the minimum spending requirement of $3,000 within 2 months of approval. Offer valid for New American Express Card Members exclusively.
  • Accumulate 2 points for every $1 spent on Virgin Australia services and up to 1 point per $1 spent on other transactions. Earn 0.5 points per $1 on ATO and government expenditures.
  • Benefit from 2 complimentary single-entry passes to the Virgin Australia Lounge at chosen domestic airports annually.

Pros

  • Receive 100,000 bonus Velocity Points when you meet the criteria.
  • Earn up to 2 Velocity Points per $1 spent.
  • No pre-set spending limit and up to 51 days to pay for purchases.

Cons

  • The annual fee of $249 p.a.
  • Each employee card costs $99.
ANZ Low Rate Credit Card

On website

Balance transfer

28 months at 0% p.a.

Purchase rate

13.74% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Enjoy 0% p.a. for 28 months on balance transfers with a 3% balance transfer fee (then reverts to 21.99% p.a.) Terms and Conditions apply.
  • First-year annual fee waived ($58 subsequently).
  • Continuous low rate of 13.74% p.a. on purchases.
  • Enjoy up to 55 days interest-free on purchases by settling your account completely each month.

Pros

  • Enjoy 0% p.a. on balance transfers up to 28 months.
  • $0 annual fee for the first year ($58 p.a. thereafter).
  • Take advantage of the low purchase interest rate of 13.74% p.a.
  • Add up to 3 additional cardholders at no extra cost.

Cons

  • No purchase or travel insurance included.
  • No rewards program.
ANZ Rewards Black Credit Card

On website

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$375.00 p.a. ongoing

Highlights

  • Get 180,000 bonus Reward Points and $150 cash back upon spending $3,000 on qualifying purchases within the initial 3 months of approval.
  • Accrue 2 Reward Points for every $1 spent on qualifying purchases, up to $5,000 per statement period.
  • Enjoy complimentary international travel insurance.

Pros

  • Receive 180,000 bonus ANZ Rewards points and earn a $150 cash back when you meet the criteria.
  • Earn 2 points per $1 spent on eligible purchases up to $5,000 per statement period.
  • There is no cap on the number of points you can earn.
  • Free international travel insurance and purchase protection insurance.

Cons

  • The $375 p.a. annual fee.
  • Doesn't come with lounge access.
  • No balance transfer offer.
ANZ Rewards Platinum Credit Card

On website

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$149.00 p.a. ongoing

Highlights

  • Obtain 100,000 bonus Reward Points and $50 cashback upon spending $2,000 on eligible purchases within the initial 3 months after approval.
  • Access a variety of complimentary insurances for both travel and purchases.
  • Accumulate ANZ Rewards Points on your everyday purchases.

Pros

  • 100,000 bonus Reward Points and a $50 cashback when you meet the criteria.
  • Earn 1.5 points per $1 spent up to $2,000 per statement period.
  • No cap on the total number of points you can earn.
  • Comes with complimentary insurance covers, including international travel insurance and purchase protection insurance.
  • ANZ Rewards points can be transferred to several airline partners, giving you booking flexibility.
  • Up to 55 days interest-free on purchases.

Cons

  • There is a $65 annual fee per additional cardholder.
  • The earn rate drops to 0.5 points per $1 after $2,000 per statement period.
  • No balance transfer offer.
  • No lounge access.
ANZ Platinum Credit Card

On website

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Receive $300 cashback upon spending $1,500 on eligible purchases within the initial 3 months after approval. Terms and Conditions apply.
  • Enjoy up to 55 days interest-free on purchases by paying your account in full each month.
  • No annual fee for the first year. Subsequently, a standard annual fee of $87 p.a. applies.

Pros

  • Earn a $300 cashback when you meet the spend criteria.
  • $0 annual fee in the first year, $87 p.a. thereafter (terms and conditions apply).
  • Comes with Personal Concierge service,
  • Complimentary insurance covers include international travel insurance, purchase protection insurance, and extended warranty insurance.

Cons

  • There is no rewards program on this card.
  • No balance transfer offer.
ANZ First Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Obtain $125 cashback upon spending $750 on eligible purchases within the initial 3 months after approval. Terms and Conditions apply.
  • Enjoy a $0 annual fee for the first year ($30 p.a. thereafter).
  • Benefit from up to 55 days interest-free on purchases by paying your account in full each month.

Pros

  • Earn a $125 cashback when you meet the criteria.
  • $0 first-year annual fee.
  • A low minimum credit limit of $1,000.

Cons

  • There are no ANZ Rewards or Qantas Points benefits.
  • There are cards with a lower ongoing purchase rate.
ANZ Business Black Credit Card

On website

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Get 100,000 bonus Reward Points upon spending $6,000 on eligible purchases within the initial 3 months after approval.
  • Save $300 with no Annual Card Fee and save $75 per card with no Rewards Fee for the first year on a new ANZ Business Black credit card (Terms and Conditions apply).
  • Earn 1.5 Reward Points per $1 spent on eligible purchases up to and including $10,000 per statement period.
  • Receive complimentary Unauthorized Transactions Insurance, International Travel Insurance, and Transit Accident Insurance for overseas travel.

Pros

  • Substantial sign-up bonus for new qualifying customers.
  • Earn 1 Point per $1 spent on eligible business purchases.
  • Tax payments to the ATO also earn points (at a reduced rate).
  • Points can be transferred to several different airline frequent flyer programs.
  • Comes with complimentary international travel insurance.
  • Also has extended warranty, fraud protection, purchase protection insurance, and transport accident insurance.
  • Cardholders have access to ANZ's concierge service.
  • Add unlimited cardholders for free to share the account with staff.
  • Works with Apple Pay, Google Pay, and Samsung Pay, making payments more convenient.
  • Get a data feed for Xero, MYOB, and QuickBooks, making accounting and bookkeeping more streamlined.

Cons

  • The card's ongoing annual fee is $300 p.a. after the first year's waiver.
  • Transactions made in a foreign currency or online attract a 3% fee.
  • No introductory offer on purchases and interest is charged at 20.24% p.a.
  • No balance transfer offer.
  • Earn rate drops after $10,000 spent per statement period.
ANZ Frequent Flyer Platinum Credit Card

On website

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$295.00 p.a. ongoing

Highlights

  • Receive a bonus of 75,000 Qantas points and a $100 back upon spending $2,500 on qualifying purchases within the initial 3 months of approval.
  • Get 0.75 Qantas Points for every $1 spent on eligible purchases (capped at $3,000), and thereafter, earn 0.5 Qantas Points per $1 spent in each statement period.
  • Enjoy a complimentary Qantas Frequent Flyer Membership.

Pros

  • 75,000 bonus Qantas Frequent Flyer points plus a $100 cashback.
  • Earn 0.75 points per $1 spent up to $3,000 per statement period.
  • Comes with a number of complimentary insurances, including international travel insurance.
  • Up to 55 days interest-free on purchases.

Cons

  • The annual fee of $295 p.a. is high.
  • Although uncapped, the earn rate drops to 0.5 points per $1 on any spend above $3,000 per statement period.
  • There is no balance transfer offer available.
  • It costs $65 p.a. per additional cardholder, which adds up.
ANZ Business 55 Interest Free Days Credit Card

On website

Balance transfer

N/A

Purchase rate

17.74% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • No annual fee for the initial year ($150 p.a. afterward).
  • Enjoy up to 55 days interest-free on purchases by paying your account in full monthly.
  • Benefit from complimentary additional cardholders.

Pros

  • Up to 55 days interest-free.
  • No annual fee for the first year.
  • Give employees a card each while maintaining control over their spending.
  • Integrates with popular accounting software for easier bookkeeping.
  • Works with most popular digital wallets.

Cons

  • No travel insurance or concierge services.
  • No rewards program or sign up bonus.
  • After the first year, there's an annual fee of $150 p.a.
  • The 3% foreign transaction fee.
ANZ Frequent Flyer Black Credit Card

On website

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$425.00 p.a. ongoing

Highlights

  • Receive up to 130,000 points. Obtain 100,000 bonus Qantas Points and $250 cashback to your new card upon spending $5,000 on qualifying purchases within the initial 3 months from approval. Additionally, earn an extra 30,000 bonus Qantas Points by maintaining your card for over 12 months. Terms and Conditions apply.
  • Earn 1 Qantas Point for every $1 spent on eligible purchases, up to $7,500 per statement period.
  • Enjoy 7 complimentary insurances, including International Travel Insurance.

Pros

  • Earn up to 130,000 bonus Qantas Points and $250 cashback when you meet the criteria.
  • 1 point per $1 spent up to $7,500 per statement period.
  • Earn an uncapped number of points.
  • Enjoy 2 complimentary Qantas Club lounge invitations each year.
  • Comes with complimentary international travel insurance.
  • Up to 55 days interest-free on purchases.

Cons

  • The annual fee of $425 p.a. is high.
  • Earn rate drops to 0.5 points per $1 spent above $7,500 per statement period.
  • No balance transfer offer.
ANZ Business Low Rate Credit Card

On website

ANZ Business Low Rate Credit Card

Balance transfer

N/A

Purchase rate

12.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • No annual fee for the initial year ($100 p.a. afterward).
  • Benefit from a low ongoing interest rate on purchases.
  • Enjoy unlimited complimentary additional cardholders.
  • Includes Unauthorized Transaction Insurance.

Pros

  • No annual fee for the first year.
  • Low-interest rate of 12.99% on purchases.
  • Comparatively lower cash advance rate at 14.49% p.a.
  • Includes Transit Accident Insurance.

Cons

  • There is no interest-free period on this card.
  • No rewards program or sign-up bonus.
  • After the first year, there's an annual fee of $100 p.a.
Bank of Melbourne Vertigo Visa

On website

Apply by 31 July 2024

Bank of Melbourne Vertigo Visa

Balance transfer

28 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Annual fee

$55.00 p.a. ongoing

Highlights

  • Enjoy 0% for 28 months on Balance Transfers with a 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • 13.99% p.a. low variable interest rate on purchases.
  • Low annual fee of $55 p.a.

Pros

  • 0% p.a. for 28 months on balance transfers with 1% balance transfer fee.
  • 13.99% p.a. low variable interest rate on purchases.
  • Low annual fee of $55 p.a.

Cons

  • Balance transfer rate reverts to 21.49% p.a. after 28 months.
  • There are no rewards program for this card.
BankSA Vertigo Credit Card

On website

Apply by 31 July 2024

BankSA Vertigo Credit Card

Balance transfer

28 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Annual fee

$55.00 p.a. ongoing

Highlights

  • Receive up to $400 cashback on your supermarket purchase or benefit from 0% interest for 28 months on Balance Transfers with a 1% balance transfer fee. Reverts to a cash advance rate of 21.49% p.a.
  • Enjoy a low variable interest rate of 13.99% p.a. on purchases.
  • 55 days interest-free on purchases.

Pros

  • Get 10% cashback on your supermarket shop or 0% p.a. for 28 months on balance transfers with a 1% balance transfer fee.
  • 13.99% p.a. low variable interest rate on purchases.
  • Up to 55 days interest-free on purchases.

Cons

  • Balance transfer rate reverts to 21.49% p.a. after 28 months.
  • There are no rewards program for this card.
BankSA Amplify Signature Credit Card (Amplify)

On website

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$199.00 for 1st year

Highlights

  • Earn up to 150,000 Bonus Amplify Rewards Points over 2 years when you spend $12,000 on eligible purchases within the first 12 months from card approval.
  • 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee on amounts transferred.
  • $199 p.a. annual fee for the first year ($295 p.a. annual fee thereafter)

Pros

  • The 150,000 bonus Amplify Rewards Points.
  • 0% p.a. for 24 months on balance transfers.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • There is a 1% balance transfer fee.
  • The annual fee reverts to $295 p.a. after the initial year.
Bendigo Bright Credit Card

On website

Balance transfer

N/A

Purchase rate

9.99% p.a. ongoing

Annual fee

$59.00 p.a. ongoing

Highlights

  • Ongoing interest rate remains low at 9.99% p.a.
  • Benefit from its continual low annual fee of $59 p.a.
  • No charges for extra cardholders.

Pros

  • Up to 55 days interest-free.
  • No fees for additional cardholders.
  • Compatible with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, and Samsung Pay,

Cons

  • You can't earn credit card rewards.
Bendigo Bank Qantas Platinum Credit Card

On website

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$149.00 p.a. ongoing

Highlights

  • Accrue 0.6 Qantas Points for every $1 spent.
  • Benefit from 180 days of thorough travel insurance.
  • Comes with an extended warranty for eligible purchases and 90-day purchase protection for items stolen or accidentally damaged (terms apply).

Pros

  • Earn 0.6 Qantas Points per $1 spent.
  • Free Qantas Frequent Flyer membership.
  • 180 days of comprehensive travel insurance.
  • Up to 55 days interest-free.

Cons

  • There is no introductory balance transfer offer or purchase rate offer.
  • The 20,000 cap on reward earnings per statement period.
  • ATO spend does not earn points.
Bendigo Ready Credit Card

On website

Bendigo Ready Credit Card

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • No annual fee charged annually.
  • Zero international transaction fees.
  • Enjoy up to 55 days interest-free.

Pros

  • No additional cardholder fee.
  • Get up to 90 consecutive days of international travel insurance.
  • Compatible with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, and Samsung Pay,

Cons

  • You can't earn credit card rewards.
Citi Simplicity Card

On website

Citi Simplicity Card

Balance transfer

6 months at 0% p.a.

Purchase rate

6 months at 0% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • No late fee. No annual fee.
  • Benefit from 0% interest on Purchases for 6 months. Returns to ongoing Purchase rate afterward.
  • Transfer your current balance at 0% for 6 months with a 0% balance transfer fee.
  • Obtain extra cards with a $0 annual fee (up to 4 additional cardholders aged at least 16 years).

Pros

  • The ongoing $0 annual fee.
  • No late payment fees.
  • Get 10% off on selected hotel offers from Luxury Escapes until 1 March 2025 (capped at $250).

Cons

  • Balance transfer reverts to cash advance rate of 22.24% p.a. after 6 months.
Coles Low Rate Mastercard

On website

Apply by 30 June 2024

Coles Low Rate Mastercard

Balance transfer

15 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Annual fee

$58.00 p.a. ongoing

Highlights

  • 0% per annum (p.a.) for balance transfers spanning 15 months. Afterward, it reverts to the cash advance rate of 19.99% p.a.
  • Enjoy a modest annual fee of $58 p.a.
  • Earn 1 Flybuys Point for every $2 spent at Coles Supermarkets.

Pros

  • 0% p.a. on balance transfers for 15 months.
  • Complimentary access to your 24/7 local concierge.
  • Interest-free for up to 55 days.

Cons

  • There is a 1.5% balance transfer fee.
  • You can only earn Flybuys points at Coles Supermarkets.
  • No interest-free days while you have a balance transfer.
Coles No Annual Fee Mastercard

On website

Apply by 30 June 2024

Coles No Annual Fee Mastercard

Balance transfer

N/A

Purchase rate

6 months at 0% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • Experience 0% p.a. interest on purchases for 6 months. Applicable to Retail Purchases (excluding Cash Advances). Reverts to standard purchase rate thereafter.
  • No annual fee, guaranteed.
  • Earn 1 Flybuys point per $2 spent on qualifying purchases.

Pros

  • 0% p.a. on purchases for 6 months.
  • No annual fee ever.
  • Complimentary access to your 24/7 local concierge.

Cons

  • Transactions made in a foreign currency incur a fee.
Coles Rewards Mastercard

On website

Apply by 30 June 2024

Coles Rewards Mastercard

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • Receive 50,000 Flybuys bonus points upon spending $3,000 or more on eligible purchases within 90 days of approval. Terms and Conditions apply.
  • Earn 2 points per $1 on eligible spend—this is in addition to the regular Flybuys Points earned from other partners.
  • Pay $0 in international transaction fees for purchases made online or overseas.

Pros

  • Get 50,000 Flybuys bonus points when you meet the criteria.
  • Collect 2 points per $1 on eligible spend – that’s on top of the usual flybuys points from other partners.
  • Access to the Coles concierge service.

Cons

  • The annual fee of $99 p.a.
  • No international travel insurance.
HSBC Platinum Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Utilize the 0% p.a. offer on balance transfers for 12 months alongside a 2% balance transfer fee.
  • Experience the inaugural year with no annual fee, followed by $149 annually thereafter.
  • Accrue 2 Reward Plus points per $1 spent on qualifying overseas purchases and 1 Reward Plus point per $1 spent on other eligible purchases.
  • Maintain a minimum credit limit of $6,000.

Pros

  • 0% p.a. on balance transfers for 12 months.
  • $0 annual fee for the first year.
  • Enjoy 2 airport lounge passes every year.
  • Benefit from HSBC Instant Savings with exclusive dining and shopping discounts.
  • Includes complimentary travel and purchase protection insurance.
  • Choice of points transfer partners (Asia Miles, KrisFlyer, Velocity Frequent Flyer).

Cons

  • The balance transfer rate reverts to 21.99% p.a. after 12 months.
  • 2% balance transfer fee.
  • The 10,000 points cap per statement period.
HSBC Platinum Qantas Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Accrue 1 Qantas Point per $1 spent, up to $1,000 monthly; thereafter, earn 0.5 Qantas Points. Point accumulation capped at 7,500 per statement period.
  • Enjoy 0% p.a. for 12 months on balance transfers, with no balance transfer fee. (Reverts to cash advance rate of 21.99% p.a.)
  • Includes complimentary travel insurance and purchase insurance.

Pros

  • Earn up to 1 Qantas Point per $1 spent.
  • Comes with complimentary travel insurance and purchase insurance.
  • You get complimentary Qantas Frequent Flyer membership for free.
  • Add additional cardholders for free.
  • Up to 55 interest-free days.

Cons

  • Qantas Points are capped at 7,500 per statement period.
  • Ongoing annual fee of $299 p.a.
  • Ongoing interest rates are high.
HSBC Star Alliance Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Accelerate your journey to Star Alliance Gold Status by spending $4,000 or more on qualifying purchases within the initial 90 days of account opening. Terms and Conditions apply.
  • Pay no annual fee in the inaugural year ($450 p.a. thereafter).
  • Gain 1 point per $1 spent, up to $3,000 per statement period; thereafter, earn 0.5 points.

Pros

  • $0 annual fee for the first year.
  • Enjoy 0% p.a. on balance transfers for 12 months with a 2% balance transfer fee.
  • Convert your Star Alliance points to frequent flyer points with 7 alliance member airlines.
  • Includes complimentary travel insurance and purchase protection insurance.

Cons

  • The annual fee reverts to $450 after the initial year.
  • You have to spend at least $60,000 annually to maintain Gold member status after the first year.
HSBC Premier World Mastercard (Reward Plus)

On website

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Exchange accumulated HSBC Premier Rewards Plus points into three airline programs: Velocity, Asia Miles, and KrisFlyer, at a conversion rate of 2 HSBC points to 1 air mile point.
  • Receive complimentary membership to Qantas Frequent Flyer if not already enrolled.
  • Benefit from complimentary insurance coverage, including Domestic and International Travel Insurance, Transport Accident Insurance, Extended Warranty Insurance, and Price Protection Insurance.

Pros

  • $0 annual credit card fee if you go with HSBC Rewards Plus.
  • $10,000 minimum credit limit.
  • Two rewards programs — HSBC Rewards Plus or HSBC Qantas Rewards — to choose from.
  • Earn HSBC Rewards Points on eligible local and international purchases.
  • Home & Away Privilege program.
  • Extensive complimentary insurance benefits for domestic and international travel.
  • Multiple additional cards.

Cons

  • To be eligible, you need a minimum of $500,000 in loans, $200,000 in savings and investments, or $500,000 combined of loans, savings and investments with HSBC in Australia.
  • Rewards Points capped at 10,000 per statement.
HSBC Low Rate Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • Enjoy 0% p.a. for 12 months on balance transfers with a 2% fee.
  • Benefit from a low ongoing purchase rate of 12.99% p.a.
  • Pay no overseas transaction fees and receive complimentary domestic travel insurance.

Pros

  • 0% p.a. for 12 months on balances transferred.
  • Low ongoing rate on purchases at just 12.99% p.a.
  • Enjoy complimentary domestic travel insurance.

Cons

  • Balance transfers revert to the high cash advance rate.
  • 25.99% p.a. charged on cash advances.
  • There is a 2% balance transfer fee.
  • No rewards program.
Kogan Money Black Credit Card

On website

Balance transfer

6 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Receive $300 Kogan.com Credit upon spending $3,000 on qualifying purchases within 90 days from card approval.
  • Enjoy no annual fees.
  • Benefit from 0% p.a. for 6 months on balance transfers with no balance transfer fee. Reverts to cash advance rate of 21.74% p.a.

Pros

  • Get a $300 sign up bonus in Kogan.com Credit when you meet the criteria.
  • $0 annual fee.
  • Earn 2 reward points per $1 on eligible purchases at Kogan.com and 1 reward point per $1 on other eligible purchases.
  • Uncapped rewards.

Cons

  • There is a 3.4% foreign currency fee.
  • The ongoing cash advance rate is 21.74% p.a.
Latitude 28° Global Platinum Mastercard®

On website

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • $0 yearly fee.
  • Zero currency conversion charges.
  • No foreign transaction fees for purchases during travel or online shopping.
  • Interest rate of 22.99% per annum on purchases and cash advances.

Pros

  • The $0 annual fee.
  • No currency conversion free or foreign transaction fee.
  • Enjoy up to 55 days interest-free on purchases.
  • Free Global Wi-Fi at more than 1 million hotspots worldwide.

Cons

  • A high purchase interest rate of 22.99% p.a.
  • There is no rewards program on this card.
  • In-person payment handling fees of $2.50 is expected to increase to $3.95.
Latitude Gem Visa

On website

Latitude Gem Visa

Balance transfer

N/A

Purchase rate

19.95% p.a. ongoing

Annual fee

$119.40 p.a. ongoing

Highlights

  • Utilize their interest-free payment options at numerous stores.
  • Immediate 6 months interest-free for purchases totaling $250 and above.
  • Rather than an annual fee, Latitude Gem Visa imposes a monthly fee equating to $119.40 annually.

Pros

  • 0% for 6 months on everyday purchases amounting to $250 and over.
  • The 0% on interest-free payment plans.
  • A $9.95 monthly account service fee will be waived if you make payments in full and keep a balance less than $10).

Cons

  • The standard cash advance rate of 25.90% p.a.
  • 3% foreign exchange fee.
  • Large late payment fee.
Latitude GO Mastercard

On website

Balance transfer

N/A

Purchase rate

25.9% p.a. ongoing

Annual fee

N/A

Highlights

  • Interest-free deals available from numerous online and in-store retailers.
  • No initial account setup fee and a maximum of 55 interest-free days.
  • A $8.95 monthly account maintenance fee for balances exceeding $10.

Pros

  • The 0% on interest-free payment plans.
  • Enjoy 6 months interest-free on everyday purchases over $250.
  • Up to 55 interest-free days.

Cons

  • High 25.90% p.a. interest rate on everyday purchases.
  • High late payment fee of $35.
  • A monthly account service fee instead of an annual fee.
NAB StraightUp Credit Card

On website

Balance transfer

N/A

Purchase rate

0% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Obtain the latest credit card from NAB - straightforward, affordable, and above all, interest-free!
  • No Use, No Pay. Should your NAB StraightUp credit card remain unused throughout the entire statement period, the monthly fee will be reimbursed. No unexpected charges!
  • Utilize your card for foreign currency transactions and relish in zero foreign transaction fees!
  • Consistent fixed minimum payments determined by your credit limit, providing you with assurance of monthly payment amounts.

Pros

  • Charges a monthly fee based on your selected credit limit.
  • The monthly fee will be reversed if you do not have any outstanding balance or purchase.
  • No interest charges or other fees, including foreign currency fees and late payment fees.

Cons

  • No rewards program for this card.
  • No balance transfers or cash advances.
NAB Low Rate Card

On website

Balance transfer

28 months at 0% p.a.

Purchase rate

13.49% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Experience 0% p.a. on balance transfers for 28 months with a 2% balance transfer fee. Reverting to a variable cash advance rate of 21.74% p.a. after the promotional period.
  • Initial $0 annual card fee for the first year ($59 p.a. thereafter).
  • Receive a response within 60 seconds.

Pros

  • 0% p.a. on balance transfers for 28 months.
  • A variable purchase rate of 13.49% p.a.
  • The waived annual fee for the first year.
  • Additional credit card is free.

Cons

  • There is a 2% balance transfer fee.
  • No rewards program for this card.
  • No insurance coverage.
NAB Low Fee Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

19.74% p.a. ongoing

Annual fee

$30.00 p.a. ongoing

Highlights

  • Receive $200 cashback when you spend $1,500 on purchases within 90 days from account opening.
  • Low $30 p.a. ongoing annual fee.
  • 12 months at 0% p.a. on balance transfers (3% balance transfer fee applies). Reverting to the variable cash advance rate of 21.74% p.a.

Pros

  • The opportunity to get a cashback $200.
  • 0% p.a. on balance transfers for 12 months.
  • Apply for an additional cardholder at no extra cost.

Cons

  • There is a 3% balance transfer fee.
  • Ongoing interest on purchases and cash advances is not low.
  • Doesn't earn rewards.
NAB Low Fee Platinum Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

19.74% p.a. ongoing

Annual fee

$90.00 p.a. ongoing

Highlights

  • Access the Platinum Concierge Service available 24/7.
  • Enjoy 12 months at 0% p.a. on balance transfers (a 3% balance transfer fee applies). Reverting to the variable cash advance rate of 21.74% p.a.
  • Access six complimentary insurances when making an eligible purchase.

Pros

  • 12 months at 0% p.a. on balance transfers (3% balance transfer fee applies). Reverts to variable cash advance rate of 21.74% p.a.
  • Low ongoing $90 annual fee.
  • Complimentary insurance including international travel insurance.
  • Access to the 24 /7 NAB Concierge Service.

Cons

  • There's a 3% fee on balance transfers.
  • You can't earn rewards points with this card.
  • Up to 44 days interest-free, which is shorter than the 55 days on many other cards.
NAB Rewards Business Signature Credit Card

On website

Balance transfer

N/A

Purchase rate

18.5% p.a. ongoing

Annual fee

$175.00 p.a. ongoing

Highlights

  • Receive 100,000 NAB Rewards Points upon spending $4,000 on everyday purchases within 60 days.
  • Triple the earning rate on overseas spending or purchases made at overseas stores and suppliers from Australia.
  • Double the earn rate on purchases made at partner departments and hardware stores.

Pros

  • Receive a generous 100,000 bonus NAB Rewards Points when you spend $4,000 on everyday business purchases within 60 days of opening your account.
  • Earn 1.25 NAB Rewards Points per $1 spent on eligible everyday business purchases, with no cap.
  • ATO payments earn NAB Rewards Points at the same rate as everyday purchases.
  • NAB Rewards Points can be transferred to several other airline rewards programs, making it easier to find an awards seat.
  • Up to 44 interest-free days on purchases, giving you more flexibility and breathing room with your business expenses.
  • Complimentary NAB Commercial Cards Unauthorised Transaction Insurance and NAB Commercial Cards Transit Accident Insurance.
  • Works with major digital wallets, including Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Additional cardholders don't come cheap.
  • Lacks complimentary international travel insurance.
  • No complimentary airline lounge passes.
NAB Qantas Business Signature Credit Card

On website

Balance transfer

N/A

Purchase rate

18.5% p.a. ongoing

Annual fee

$295.00 p.a. ongoing

Highlights

  • Obtain 150,000 bonus Qantas Points upon spending $4,000 on everyday purchases within 60 days.
  • Accrue 0.67 Qantas Points per $1 spent.
  • Include additional cardholders, each with personalized credit limits.

Pros

  • Earn 150,000 bonus Qantas points by spending $4,000 on eligible business purchases within 60 days of account opening.
  • Up to 44 interest-free days on business purchases.
  • Comes with access to Visa's global concierge service, complimentary unauthorised transaction insurance, and transport accident insurance.
  • Add multiple additional cardholders, each with individual credit limits.
  • Supports most digital wallets, including Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Lacks complimentary international travel insurance.
  • Points are capped at $50,000 per card per statement period.
NAB Rewards Platinum Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Annual fee

$45.00 for 1st year

Highlights

  • Earn up to 100,000 bonus points. Obtain 80,000 bonus points upon spending $1,000 in the initial 60 days from account approval date and an additional 20,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.
  • Benefit from a reduced first-year annual fee of $45 p.a. instead of $195 p.a. (saving you $150).
  • Accrue 2 points on purchases made at Webjet. 1 point on all other spend.

Pros

  • Earn 100,000 bonus Points when you meet the criteria.
  • The reduced first-year annual fee of $45 p.a.
  • No earning points cap.
  • Comes with complimentary insurances including international travel insurance

Cons

  • There is a 3% balance transfer fee.
NAB Low Rate Business Credit Card

On website

Balance transfer

N/A

Purchase rate

12 months at 0% p.a.

Annual fee

$0.00 for 1st year

Highlights

  • Enjoy 12 months at 0% p.a. on purchases. Reverting to the variable purchase rate of 13.25% p.a.
  • Benefit from a low ongoing 13.25% p.a. rate on purchases and cash advances.
  • No annual fee for the initial year.

Pros

  • The 0% special introductory interest rate offer on purchases.
  • $0 annual fee on the first year ($60 p.a. thereafter).
  • Low interest rate on cash advances and purchases.
  • Up to 55 days on business purchases.

Cons

  • No travel insurance.
  • Doesn't earn rewards points.
Qantas Premier Everyday Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • Receive a potential boost of 8,000 bonus Qantas Points upon successful application. Gain 2 bonus Qantas Points for every $1 spent on qualifying purchases within 4 months post-card approval. Applicable Terms and Conditions.
  • Enjoy a modest annual fee of $99.
  • Benefit from a 0% p.a. rate for 12 months on balance transfers, which then transitions to the Cash Advance Rate.

Pros

  • Earn up to 8,000 bonus Qantas Points when you meet the criteria.
  • The low annual fee of $99 p.a.
  • Earn 0.75 Qantas Points per $1 spent on domestic purchases up to $3,000 per statement period.
  • Comes with complimentary overseas travel insurance.

Cons

  • There is a 3% foreign transaction fee.
Qantas Premier Titanium Credit Card

On website

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$1,200.00 p.a. ongoing

Highlights

  • Acquire 150,000 bonus Qantas Points upon reaching a $5,000 expenditure within 90 days of card approval.
  • Experience a 20% bonus on Status Credits for Qantas operated and marketed flights.
  • Distinguish yourself with this metal card, setting you apart from conventional plastic cards.

Pros

  • A very substantial sign up bonus with a reasonable spending target.
  • Earn Status Credits when you buy eligible Qantas flights with the card.
  • A high Qantas Points earn rate.
  • Four Qantas airport lounge passes each year.
  • Comes with complimentary domestic and international travel insurance.
  • The physical card is made of metal.

Cons

  • The annual fee is on the high end.
  • No free additional cardholders.
  • Ongoing interest rates are typical of a rewards card.
Suncorp Clear Options Platinum Credit Card

On website

Balance transfer

9 months at 0% p.a.

Purchase rate

20.74% p.a. ongoing

Annual fee

$99.00 for 1st year

Highlights

  • 120,000 bonus Suncorp Credit Card Rewards Points for spending $3,000 on eligible transactions within the initial 90 days from approval.
  • 0% p.a. interest for 9 months on balance transfers. Reverts to cash advance rate thereafter.
  • Acquire 1.25 Suncorp Rewards Points per $1 spent on eligible transactions.
  • Platinum privileges encompassing concierge service and a variety of insurance covers.

Pros

  • Receive 120,000 bonus Suncorp Credit Card Rewards Points when you meet the criteria.
  • Earn 1 Suncorp Rewards point per $1 spent (or 0.5 Qantas Point).
  • A reduced fee of $99 p.a. in the first year and $129 p.a. thereafter.
  • $6,000 to $100,000 credit limits.
  • Complimentary insurance, including international travel insurance.
  • Access to the concierge service.

Cons

  • There is a 3.4% international transaction fee if you transact overseas.
  • A $40 over-limit fee for exceeding the credit limit.
  • Longer interest-free balance transfers are available.
  • Suncorp Rewards points don't convert to airline points at 1:1.
Suncorp Clear Options Standard Credit Card

On website

Balance transfer

20 months at 0% p.a.

Purchase rate

12.74% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • The 12.74% p.a. ongoing interest rate applied to purchases is economical.
  • 0% p.a. interest for up to 20 months on balance transfers, returning to the 21.99% p.a. cash advance rate.
  • $0 for the first year annual fee, $55 afterward.

Pros

  • Enjoy the first year with no annual fee, saving you $55.
  • Introductory interest-free balance transfers for 20 months.
  • Low ongoing purchase interest rate.
  • Add up to 4 additional cardholders for no extra cost.

Cons

  • There is a 1% Balance Transfer fee.
  • No interest-free days.
  • Doesn't earn rewards.
  • Expensive foreign currency transaction fee.
Suncorp Clear Options Gold Credit Card

On website

Balance transfer

N/A

Purchase rate

20.5% p.a. ongoing

Annual fee

$120.00 p.a. ongoing

Highlights

  • Earn 1 Suncorp Rewards point per $1 spent on eligible transactions, up to $1,500 per statement period; thereafter, 0.5 points per $1.
  • Redeem earned points for vouchers, cashback, or transfer to airline partners.
  • Add up to four additional cardholders at no extra cost.

Pros

  • Earn 1 Suncorp Rewards point per $1 spent on eligible transactions.
  • Choice of airline transfer partners makes finding a rewards seat on your preferred travel dates easier.
  • Comes with a complimentary purchase cover on personal purchases and a guaranteed pricing scheme.
  • Get up to 55 interest-free days on retail purchases.
  • Access exclusive pre-sales, offers, and competitions with Visa Entertainment.

Cons

  • No sign up bonus for new customers.
  • Suncorp Rewards points do not convert to frequent flyer points at 1:1.
  • The ongoing purchase rate is at 20.5% p.a.
  • $40 over-limit fee.
  • 3.4% fee on international transactions.
Suncorp Clear Options Business Credit Card

On website

Balance transfer

N/A

Purchase rate

18.45% p.a. ongoing

Annual fee

$45.00 p.a. ongoing

Highlights

  • Low annual ongoing fee of $45 p.a., with the option to add up to 99 additional cardholders.
  • Select between earning Suncorp Rewards points or Qantas Points on eligible purchases.
  • Enjoy up to 55 days interest-free on purchases.

Pros

  • Earn 1 Suncorp Rewards point per $1 on eligible business spending.
  • Convert Suncorp Rewards points to Flybuys points, KrisFlyer Miles, or Velocity Points.
  • Possible to earn Qantas Points instead of Suncorp Rewards points.
  • Minimum credit limit of $2,000.
  • Up to 99 additional cardholders, but at a cost.
  • A competitive annual fee of $45 p.a.
  • Free monthly statements for active cards.

Cons

  • No sign up bonus for new customers.
  • Membership fees apply to the rewards program.
  • Suncorp Rewards points don't convert to frequent flyer points at 1:1.
  • Annual fee per additional cardholder, which can add up quickly.
  • Overseas and international transactions carry a fee of 3.40%.
  • $40 over limit fees.
St.George Vertigo Visa

On website

Apply by 31 July 2024

St.George Vertigo Visa

Balance transfer

28 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Annual fee

$55.00 p.a. ongoing

Highlights

  • Benefit from a 28-month 0% interest period on Balance Transfers, accompanied by a 1% balance transfer fee. Afterwards, it switches to a cash advance rate of 21.49% p.a.
  • Enjoy a low variable interest rate of 13.99% p.a. on purchases.
  • The annual fee remains low at $55 p.a.

Pros

  • 0% p.a. for 28 months on balance transfers with no balance transfer fee.
  • 13.99% p.a. low variable interest rate on purchases.
  • Low annual fee of $55 p.a.

Cons

  • Balance transfer rate reverts to 21.49% p.a. after 28 months.
  • There are no rewards program for this card.
St.George Amplify Business Credit Card

On website

Balance transfer

N/A

Purchase rate

19.49% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • $0 annual card fee for the first year ($89 p.a. thereafter).
  • Obtain up to 3 additional cards for employees at no additional cost.
  • Enjoy up to 55 interest-free days on purchases.

Pros

  • No annual card fee for the first year.
  • Choose between Amplify Rewards or Qantas Frequent Flyer rewards.
  • No cap on how many points can be earned from eligible spending.
  • Includes transit accident insurance and unauthorised transaction insurance.

Cons

  • The cash advance interest rate of 20.24% p.a.
  • Relatively few additional cardholders.
  • Additional cardholders are free.
St.George No Annual Fee Credit Card

On website

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • No annual fee requirement for the duration of card ownership.
  • Experience up to 55 days interest-free on purchases.
  • Benefit from a low minimum credit limit.

Pros

  • No annual fee for life.
  • Up to 55 days interest-free.
  • As low $500 credit limit.

Cons

  • No rewards program for this card.
  • Ongoing rates are not low.
St.George Amplify BusinessVantage Credit Card

On website

Balance transfer

N/A

Purchase rate

9.99% p.a. ongoing

Annual fee

$55.00 p.a. ongoing

Highlights

  • Benefit from a low rate of 9.99% p.a. on purchases and 17.15% p.a. on cash advances.
  • Obtain up to 99 additional cardholders, each with individual card limits.
  • Enjoy up to 55 days interest-free on purchases.

Pros

  • Competitive interest rates for purchases.
  • Complimentary insurance against unauthorized transactions.
  • Up to 55 days interest-free on purchases.
  • Add up to 99 additional cardholders.

Cons

  • The $55 p.a. annual card fee.
  • It's $55 p.a. per additional card.
  • No rewards program.
Virgin Money No Annual Fee Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

12 months at 0% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • $0 annual fee for the lifetime of the card.
  • Transfer balance at 0% p.a. for 12 months on balance transfers (reverts to 20.99% p.a.).
  • 0% p.a. for 12 months on purchases (reverts to 18.99% p.a.).

Pros

  • No annual fee ever.
  • 0% p.a. interest rate for up to 12 months on balance transfers and purchases.
  • Up to 4 additional cards, also with $0 annual fee.

Cons

  • The revert interest rates for balance transfers and purchases are relatively high.
Virgin Money Low Rate Credit Card

On website

Balance transfer

15 months at 0% p.a.

Purchase rate

11.99% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • 0% p.a. for 15 months on balance transfers with no balance transfer fee. Reverts to the cash advance rate at 21.69% p.a.
  • Low ongoing purchase rate of 11.99% p.a.
  • Up to 55 days interest-free on purchases.

Pros

  • 0% p.a. for 15 months on balance transfers.
  • No balance transfer fee.
  • Low ongoing interest rate on purchases at 11.99% p.a.
  • Compatible with Apple Pay and Samsung Pay.

Cons

  • If you want additional cardholders, it will cost $29 p.a. per cardholder.
  • Doesn't earn Velocity Points.
Westpac Low Rate Cashback Credit Card

On website

Balance transfer

N/A

Purchase rate

13.74% p.a. ongoing

Annual fee

$59.00 p.a. ongoing

Highlights

  • Get up to $350 cashback when you apply online by 31 July 2024. Receive a $50 cashback monthly for spending over $1,000 in the first 7 statement periods.
  • Enjoy a low ongoing 13.74% p.a. interest rate on purchases.
  • Annual fee of $59 p.a. applies.

Pros

  • Get up to $350 cashback when you meet the criteria.
  • Low 13.74% p.a. interest rate on purchases.
  • 55 days interest-free on purchases.
  • $500 minimum credit limit.

Cons

  • No rewards program although there is a cashback offer.
  • No complimentary travel insurance.
Westpac Altitude Business Gold Mastercard

On website

Westpac Altitude Business Gold Mastercard

Balance transfer

12 months at 4.99% p.a.

Purchase rate

20.24% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • $0 annual fee for the first year (reverts to $150 p.a. thereafter)
  • 4.99% p.a. for 12 months on balance transfers with no balance transfer fee on amounts transferred.
  • Includes complimentary overseas travel insurance.

Pros

  • $0 first-year annual fee.
  • 4.99% p.a. for 12 months on balance transfers.
  • Earn 1 Altitude Point per $1 spent on eligible transactions.
  • Add an additional cardholder at no extra cost.

Cons

  • The high interest of 20.24% p.a. on purchases
  • There is a 3% fee if you use your card overseas.
  • A cap of 20,000 points applies per each statement cycle.
Westpac Altitude Business Platinum Credit Card

On website

Westpac Altitude Business Platinum Credit Card

Balance transfer

12 months at 4.99% p.a.

Purchase rate

20.24% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • $0 annual card fee for the first year (usually $200 p.a.)
  • 4.99% p.a. for 12 months on balance transfers with no balance transfer fee on amounts transferred.
  • Includes complimentary cover for international travel insurance, along with an extended warranty and purchase protection.

Pros

  • Uncapped points.
  • Includes Personal Concierge Service.
  • Interstate Flight Inconvenience Insurance.
  • Extended Warranty Insurance

Cons

  • After the initial year, you will be charged a $200 p.a. annual fee.
  • No sign-up bonus offer.
Westpac Lite Mastercard

On website

Westpac Lite Mastercard

Balance transfer

N/A

Purchase rate

9.9% p.a. ongoing

Annual fee

$108.00 p.a. ongoing

Highlights

  • Low variable purchase rate of 9.90% p.a.
  • No foreign transaction fee when using your card overseas.
  • $108 p.a. annual fee.

Pros

  • Low-interest rate.
  • Up to 45 interest-free days on purchases.
  • Get an additional cardholder at no extra cost.

Cons

  • No rewards program.
  • No introductory balance transfer offer.
Westpac Low Fee Credit Card

On website

Westpac Low Fee Credit Card

Balance transfer

N/A

Purchase rate

19.74% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • $0 annual fee for the first year.
  • Enjoy up to 55 days interest-free on purchases.
  • Option to split purchases into 4 payments.

Pros

  • The $30 p.a. annual fee in succeeding years may be waived if you spend $5,000 or more a year.
  • Get up to 55 days interest-free on purchases.
  • The minimum credit limit is $500.

Cons

  • No rewards program.
Westpac BusinessChoice Everyday Mastercard

On website

Westpac BusinessChoice Everyday Mastercard

Balance transfer

N/A

Purchase rate

14.25% p.a. ongoing

Annual fee

$75.00 p.a. ongoing

Highlights

  • Low $75 annual card fee.
  • Low 14.25% p.a. variable interest rate on purchases and 19.96% p.a. variable interest rate on cash advances
  • Up to 55 interest-free days on purchases.

Pros

  • The annual fee for succeeding years will be waived if you spend $15,000 in 12 months.
  • Comes with Fraud Protection, Transit Accident Insurance, and Interstate Flight Inconvenience Insurance.
  • Compatible with Google Pay and Samsung Pay.

Cons

  • No sign-up bonus offer.
  • There is a 3% foreign transaction fee.
Australian Military Bank Low Rate Visa Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

11.99% p.a. ongoing

Annual fee

$49.00 p.a. ongoing

Highlights

  • Benefit from a competitive interest rate of 11.99% per annum for purchases.
  • Avail a 0% interest rate for the initial 12 months on Balance Transfers, coupled with a 0% balance transfer fee. Following this period, the rate reverts to the purchase rate of 11.99% per annum.
  • Additionally, seize up to 45 days of interest-free purchasing.

Pros

  • A low-interest rate on purchases.
  • Low annual fee.
  • You can get additional cardholders at no extra cost.

Cons

  • No rewards program.
Australian Mutual Bank Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

10.49% p.a. ongoing

Annual fee

$50.00 p.a. ongoing

Highlights

  • Benefit from a competitive 10.49% per annum interest rate on balance transfers and purchases.
  • Enjoy the added advantage of a minimal annual fee of $30.
  • Plus, seize up to 55 days of interest-free purchasing.

Pros

  • Low-interest rate.
  • Low annual fee.
  • Up to 55 interest-free days.

Cons

  • The cash advance rate is 15.49% p.a.
  • No rewards program or cardholder perks.
Australian Unity Low Rate Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

9.9% p.a. ongoing

Annual fee

$59.00 p.a. ongoing

Highlights

  • Leverage the enticing 9.90% per annum purchase rate.
  • Enjoy up to 45 days interest-free on purchases, enhancing your financial flexibility.
  • Additionally, secure up to 4 extra cards at no supplementary annual fees, extending the benefits to your loved ones.

Pros

  • Low interest rate applied to purchases.
  • Relatively cheap ongoing annual fee.
  • Add up to 4 additional cardholders for free.

Cons

  • No balance transfer offer.
  • You can't earn rewards with this card.
  • There's a 3% fee on purchases made in a foreign currency.
Auswide Bank Low Rate Visa Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

9.99% p.a. ongoing

Annual fee

$50.00 p.a. ongoing

Highlights

  • Acquire a favorable variable rate of 9.99% per annum on both purchases and cash advances.
  • Benefit from the option to waive the $50 annual fee if you're under 25 years old, maximizing your savings.
  • Plus, relish up to 55 days of interest-free purchasing, providing ample time for repayment.

Pros

  • 0% for 12 months on balance transfers.
  • Additional cards at no extra cost.
  • Compatible with Apply Pay and Google Pay,

Cons

  • There is no rewards program on this card.
  • Not compatible with Samsung Pay.
Bank Australia Low Rate Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

9.39% p.a. ongoing

Annual fee

$59.00 p.a. ongoing

Highlights

  • Enjoy the advantage of a competitive 9.39% p.a. interest rate for both purchases and cash advances.
  • Plus, benefit from an annual fee of only $59.00.
  • Your credit journey starts with a minimum credit limit of $1,000, ensuring accessibility and flexibility.

Pros

  • Low 9.39% p.a. interest rate on purchases.
  • Cash advances are also charged at the competitively low rate of 9.39% p.a.
  • Annual fee of $59 p.a.
  • Minimum credit limit of $1,000.

Cons

  • No interest-free days at all.
  • No balance transfer offer as of the moment.
Bank Australia Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

12.39% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Lifetime exemption from annual fees.
  • Maintain a fixed interest rate of 12.39% p.a. for purchases and cash advances.
  • Benefit from up to 55 days interest-free.

Pros

  • No annual fee.
  • A competitive 12.39% p.a interest rate on purchases.
  • Low 12.39% p.a. rate also applies to cash advances.
  • Up to 55 days interest free.
  • Works with Apple Pay, Google Pay, and other digital wallets.

Cons

  • No balance transfer offer available.
  • Doesn't earn rewards or have a welcome bonus.
Bank Australia Platinum Rewards Visa Credit Card

On website

Balance transfer

6 months at 0% p.a.

Purchase rate

18.24% p.a. ongoing

Annual fee

$189.00 p.a. ongoing

Highlights

  • Experience a comprehensive credit card offering Qantas Points alongside complimentary travel insurance.
  • Benefit from a 0% p.a. rate on balance transfers for 6 months. Afterward, it transitions to the variable interest rate on purchases, set at 18.24% p.a.
  • Enjoy up to 55 days interest-free.

Pros

  • 0% p.a. on balance transfer for 6 months.
  • Earn 0.75 Qantas Points for every $1 spent, plus 1 more for every $1 spent on Qantas products and services in Australia
  • Comes with complimentary overseas travel insurance.

Cons

  • There is a $59 p.a. additional card holder fee.
  • ATO spend does not earn Qantas points.
  • Much longer balance transfer offers are available.
Bank First Visa Classic Credit Card

On website

Balance transfer

N/A

Purchase rate

12.54% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • $0 annual fee per annum.
  • Experience up to 55 days interest-free on purchases.
  • Access exclusive offers on food, travel, entertainment, and more.

Pros

  • The competitive purchase rate and cash advance rate of 12.54% p.a.
  • $0 p.a. annual fee.
  • Enjoy up to 55 interest-free days on purchases.

Cons

  • There is no rewards program on this card.
Bank First Visa Platinum Credit Card

On website

Balance transfer

N/A

Purchase rate

9.59% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • An attractive interest rate of 9.59% per annum on purchases and balance transfers.
  • Includes complimentary travel insurance and concierge service.
  • Benefit from up to 55 days interest-free on purchases.

Pros

  • Enjoy 9.59% p.a. on purchases and balance transfers
  • Comes with complimentary travel insurance and concierge service.
  • Get special deals on food, travel, entertainment and more.

Cons

  • There is no rewards program on this card.
Bank of Heritage Isle Visa Credit Card

On website

Balance transfer

6 months at 0% p.a.

Purchase rate

10.76% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Interest rate of 10.76% remains consistent across purchases, cash advances, and balance transfers.
  • The initial annual fee of $30 is exempted for the inaugural year.
  • Supports Apple Pay, Google Pay, and Samsung Pay.

Pros

  • Annual fee of $30 waived in the first year.
  • Low ongoing interest rate on purchases, cash advances, and balance transfers.
  • Up to 55 days interest-free on purchases.

Cons

  • No interest-free period on balance transfers.
  • The Bank of Heritage Isle Visa is a low rate credit card and does not offer rewards or bonus points.

BOQ Platinum Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

$129.00 p.a. ongoing

Highlights

  • Receive a bonus of 150,000 Q Rewards points upon spending $3,000 on eligible transactions within the initial 90 days post-approval.
  • Benefit from a 0% p.a. rate on balance transfers for 14 months, with no associated balance transfer fee. The rate reverts to the cash advance rate of 21.74% p.a. after the promotional period.
  • Accrue 2 Q Rewards points for each dollar spent on eligible transactions.

Pros

  • Get up to 150,000 Q Rewards points when you meet the criteria.
  • 0% p.a. on balance transfers for 14 months with no balance transfer fee.
  • Get up to 4 additional cardholders at no extra cost.

Cons

  • The $129 p.a. annual fee.
BOQ Blue Visa Credit Card

On website

Balance transfer

20 months at 0% p.a.

Purchase rate

20.74% p.a. ongoing

Annual fee

$60.00 p.a. ongoing

Highlights

  • Benefit from a 0% p.a. rate for 20 months on Balance Transfers, accompanied by no balance transfer fee (reverting to cash advance fee thereafter).
  • Accrue points within the Q Rewards program.
  • Avail of the guaranteed pricing scheme for your purchases.
  • Enjoy up to 44 days on purchases.

Pros

  • Earn rewards points on every dollar spent with no cap.
  • 0% balance transfer for 20 months.
  • No balance transfer fees.

Cons

  • Interest-free period is relatively short, at 44 days.
  • $15 charge per additional card.
BOQ Low Rate Visa Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

12 months at 0% p.a.

Annual fee

$55.00 p.a. ongoing

Highlights

  • Benefit from 0% p.a. for 12 months on both purchases and balance transfers.
  • Access a low-rate credit card with an ongoing rate of 13.49% p.a.
  • Enjoy up to 55 days on purchases interest-free.

Pros

  • Low ongoing interest rates.
  • No fees on balance transfers.
  • Instalment Plans on large purchases.

Cons

  • No rewards points or cashback.
  • Additional cards come with a fee.
Bank of Sydney Platinum Credit Card

On website

Balance transfer

N/A

Purchase rate

6 months at 6.99% p.a.

Annual fee

$129.00 p.a. ongoing

Highlights

  • Receive $8 for every $1,000 spent on eligible purchases (with no cap).
  • Avail of a 6.99% p.a. rate for up to 6 months on purchases (reverting to 18.49% p.a. thereafter).
  • Enjoy a 55-day interest-free period on all purchases.

Pros

  • No limit on the cashback you can earn.
  • The introductory rate on purchases.
  • Comes with complimentary travel insurance for up to $20,000.
  • Includes transport accident insurance, extended warranty insurance, and purchase security insurance.

Cons

  • The annual fee is $129 p.a.
  • Will no longer be available for use from 25 May 2024.
Bank of us Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

9.99% p.a. ongoing

Annual fee

$39.00 p.a. ongoing

Highlights

  • Utilize the low-interest rate of 9.99% p.a. on purchases, cash advances, and balance transfers.
  • Pay no annual fee of $0 p.a. when you spend $8,000 every year instead of the usual $39 p.a.
  • Benefit from up to 58 days interest-free on your purchases.

Pros

  • Low ongoing interest rates.
  • The waived annual fee when you meet the spend criteria.
  • 58 days interest-free on purchases.

Cons

  • There is no sign up bonus for this card.
BankVic Qantas Visa Credit Card

On website

Balance transfer

6 months at 8.99% p.a.

Purchase rate

6 months at 8.99% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • Obtain 8.99% p.a. for 6 months on purchases and balance. Reverts to 18.95% p.a. after the promotional period.
  • Experience $0 p.a. annual fee.
  • Includes complimentary overseas travel insurance.

Pros

  • No annual fee.
  • Take advantage of the promotional rate on purchases and balance transfers.
  • Get up to 55 interest-free days on purchases.

Cons

  • There is no ongoing signup bonus promo for this card.
  • The attractive 8.99% introductory purchase interest rate reverts to an ongoing purchase rate of 18.95 after six months.
BankVic Low Rate Card

On website

Balance transfer

6 months at 8.99% p.a.

Purchase rate

6 months at 8.99% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • Transfer your balance to BankVic and lower your interest repayments.
  • Benefit from a low ongoing interest rate on carried-over balances.
  • Pay no annual fee for life.

Pros

  • No annual fee for as long as you hold the card.
  • Consolidate debt and reduce interest with a balance transfer.
  • Up to 44 days interest-free.
  • Low interest on cash advances and balances carried over.

Cons

  • No rewards program.
bcu Classic Credit Card

On website

Balance transfer

N/A

Purchase rate

11.95% p.a. ongoing

Annual fee

$45.00 p.a. ongoing

Highlights

  • Acquire a low variable interest rate of 11.95% p.a. on purchases.
  • Receive 24-hour fraud monitoring as part of the package.
  • Take advantage of up to 55 interest-free days.

Pros

  • Competitive interest rate on purchases.
  • Supports Visa payWave.
  • Low minimum credit limit of $500.
  • Get up to $20,000 credit limit.

Cons

  • There is no rewards program for this card.
bcu Rewards Credit Card

On website

Balance transfer

N/A

Purchase rate

13.05% p.a. ongoing

Annual fee

$89.00 p.a. ongoing

Highlights

  • Acquire a low variable interest rate of 13.05% p.a. for purchases.
  • Receive 0.66% cash back on every $1 spent on eligible transactions.
  • Take advantage of up to 55 interest-free days.

Pros

  • Competitive interest rate on purchases.
  • Earn cash back on eligible transactions.
  • Has 24-hour fraud monitoring and supports Visa payWave.

Cons

  • There is no sign-up bonus offer for this card right now.
Beyond Bank Low Rate Visa Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

11.99% p.a. ongoing

Annual fee

$49.00 p.a. ongoing

Highlights

  • Consolidate debt from other credit and store cards with no interest for 12 months.
  • Benefit from a low-interest rate on purchases and cash advances.
  • Enjoy a low ongoing annual fee.

Pros

  • Enjoy an 11.99% p.a. interest rate on purchases.
  • 0% for 12 months or 4.99% for 6 months on balance transfers.
  • Add up to 4 additional cardholders at no extra cost.
  • Get up to 62 days interest-free on purchases.

Cons

  • No rewards program
Border Bank Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

10.76% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Experience a low ongoing rate of 10.76% p.a. on purchases.
  • Pay no annual fee in the first year (then reverts to $30).
  • Compatible with Apple Pay, Samsung Pay, and Google Pay.

Pros

  • Low ongoing interest rate.
  • $0 annual fee on the first year.
  • Get up to 55 days interest-free period on purchases.

Cons

  • There is no rewards program on this card.
Central Murray CU AMIGO Credit Card

On website

Balance transfer

N/A

Purchase rate

12.99% p.a. ongoing

Annual fee

$59.00 p.a. ongoing

Highlights

  • Annual fee is only $59.
  • Benefit from a low-interest rate of 12.99% p.a. on balance transfers, cash advances, and purchases.
  • Get up to 55 days interest-free on purchases.

Pros

  • Credit limit from as little as $1,000.
  • Use Visa PayWave for transactions under $100.
  • Get an additional card at no extra cost.

Cons

  • No rewards program.
Coastline CU Visa Credit Card

On website

Balance transfer

6 months at 0% p.a.

Purchase rate

9.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Experience 0% for 6 months on Balance Transfers with a 0% balance transfer fee. Reverts to 9.99% p.a. after that.
  • Benefit from a 9.99% p.a. rate on purchases and cash advances.
  • Get up to 55 days interest-free.

Pros

  • The introductory balance transfer offer.
  • $0 annual fee
  • Up to 55 days interest-free.

Cons

  • No rewards program.
CommBank Neo

On website

Balance transfer

N/A

Purchase rate

0% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Zero interest, zero late fees.
  • Three credit limit options: $1,000, $2,000, or $3,000.
  • Monthly fee remains straightforward: $12, $18, or $22, corresponding to your chosen credit limit.

Pros

  • No interest, no late fees.
  • No foreign exchange or additional cardholder fees.
  • Cashback benefits for eligible cardholders.

Cons

  • No Awards points for this card.
  • Low credit limits.
  • No balance transfers.
Commonwealth Bank Low Rate Credit Card

On website

Balance transfer

N/A

Purchase rate

3 months at 0% p.a.

Annual fee

$59.00 p.a. ongoing

Highlights

  • Experience 0% p.a. on purchases for the initial 3 months + potential cashback of up to $240 upon fulfilling the criteria.
  • Annual fee of $72 p.a. remains.
  • Enjoy up to 55 days interest-free on purchases.

Pros

  • Earn cashback when you meet the criteria.
  • Enjoy 0% p.a. on purchases for 3 months.
  • Up to 55 days interest-free on purchases.

Cons

  • No rewards program.
  • There is a 3% international transaction fee.
Commonwealth Bank Low Fee Credit Card

On website

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Receive $200 cashback upon application by 1 March 2024, approval, and spending $500 or more monthly for the initial 4 months.
  • No annual fee if spending reaches at least $300 within your statement period.
  • Terms and Conditions apply. Enjoy up to 55 days interest-free.

Pros

  • Get $200 cashback when you meet the criteria.
  • No annual fee when you meet the spending criteria.
  • Up to 55 days interest-free.

Cons

  • There is no rewards program on this card.
  • No international travel insurance.
  • There's a $3 monthly fee if you do not spend at least $300 in your statement period.
Commonwealth Bank Awards Credit Card

On website

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$96.00 p.a. ongoing

Highlights

  • Accrue 1 Awards point for every $1 spent on eligible purchases, capped at $2,000 within a statement period.
  • Accumulated points remain valid indefinitely.
  • No extra cardholder fee is required.

Pros

  • Includes Complimentary Purchase Security and Extended Warranty insurance.
  • Enjoy up to 55 interest-free days on purchases.
  • Monthly fee is $8.

Cons

  • Relatively high purchase interest rate and cash advance interest rate.

Commonwealth Bank Business Platinum Awards Credit Card

On website

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

$300.00 p.a. ongoing

Highlights

  • Opt for either CommBank Awards points or Qantas Points (an annual fee of $30 applies).
  • Earn 1 Awards Point or 0.4 Qantas Points per dollar spent with your CommBank Awards Mastercard.
  • Get access to a unique collection of entertainment experiences and offers exclusively for Mastercard.

Pros

  • Earn up to 300,000 points a year. Terms and Conditions apply.
  • Transfer your earned points to other travel programs.
  • Includes Transit Accident Insurance and Unauthorised Transaction Insurance.

Cons

  • High annual fee.
  • The additional cardholder fee is $75.

Commonwealth Bank Business Awards Credit Card

On website

Balance transfer

5 months at 5.99% p.a.

Purchase rate

20.74% p.a. ongoing

Annual fee

$100.00 p.a. ongoing

Highlights

  • Select between earning CommBank Awards points or opting for Qantas Points with a $30 annual fee. Terms and Conditions apply.
  • Enjoy up to 55 days interest-free on purchases.
  • Accrue 1 Awards point for every dollar spent using your Awards Mastercard.

Pros

  • Get access to a unique collection of entertainment experiences through Priceless Sydney and Mastercard Privileges.
  • 24/7 emergency assistance overseas.
  • Includes Transit Accident Insurance and Unauthorised Transaction Insurance.

Cons

  • The additional cardholder fee is $75.
Community First Bank n0w Credit Card

On website

Balance transfer

N/A

Purchase rate

0% p.a. ongoing

Annual fee

N/A

Highlights

  • There is no interest charged on purchases or cash advances (though a cash advance fee is applicable).
  • You have the option to select from three credit limits, each associated with a distinct monthly fee.
  • The minimum repayment required is either 2.5% of your statement's closing balance or $20, whichever amount is higher.

Pros

  • No interest on purchases or cash advances.
  • Low monthly fee starting from $9.
  • No annual fee or late payment fee.

Cons

  • Repayments aren't in fixed instalments like with Afterpay.
  • There's a $3 cash advance fee (but no interest).
  • The maximum credit limit isn't very high, but some will see the benefit in that.
Community First Bank Low Rate Visa Credit Card

On website

Balance transfer

6 months at 0% p.a.

Purchase rate

8.99% p.a. ongoing

Annual fee

$40.00 p.a. ongoing

Highlights

  • Benefit from a competitive interest rate of 8.99% p.a. for both purchases and cash advances.
  • For the initial 6 months, enjoy a 0% rate on Balance Transfers with a corresponding 0% balance transfer fee. Afterwards, it reverts to the cash advance rate of 8.99% p.a.
  • An annual fee of $40 is applicable.

Pros

  • Low-interest rates.
  • Up to 55 interest-free days.
  • Limits are available from $500 to $15,000.

Cons

  • No rewards program.
Community First Bank McGrath Pink Visa Card

On website

Balance transfer

6 months at 0% p.a.

Purchase rate

8.99% p.a. ongoing

Annual fee

$40.00 p.a. ongoing

Highlights

  • 8.99% p.a. interest rate applies to purchases and cash advances.
  • Benefit from 0% p.a. on balance transfers for 6 months (0% BT fee); reverts to 8.99% p.a. thereafter.
  • An annual fee of $40 p.a. is charged.

Pros

  • Low-interest rates.
  • Half the annual fee is donated to the McGrath Foundation every year you hold the card.
  • Up to 55 interest-free days.
  • Support the McGrath Foundation that raises money for McGrath Breast Care Nurses each time you spend.

Cons

  • No rewards program.
Credit Union SA Visa Credit Card

On website

Balance transfer

6 months at 0% p.a.

Purchase rate

11.99% p.a. ongoing

Annual fee

$59.00 p.a. ongoing

Highlights

  • 11.99% p.a. interest rate applies to purchases and cash advances.
  • Benefit from a low annual fee of $59.
  • Enjoy 0% p.a. on balance transfers for 6 months, reverting to 11.99% thereafter.

Pros

  • Low-interest rates.
  • No cash advance fees.
  • Up to 55 days interest-free on purchases
  • Compatible with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, Samsung Pay and Visa payWave.

Cons

  • No rewards program.
Credit Union SA Education Community Credit Card

On website

Balance transfer

6 months at 0% p.a.

Purchase rate

6 months at 0% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • No annual fee.
  • 0% introductory rate on purchases, balance transfers, and cash advances.
  • Enjoy a competitive 11.49% interest rate.
  • Benefit from up to 55 days interest-free on purchases.

Pros

  • No annual fee.
  • Competitive interest rates.
  • Conveniently pay with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Cons

  • No rewards points scheme.
  • No sign up bonus.
Defence Bank Credit Card

On website

Balance transfer

6 months at 3.99% p.a.

Purchase rate

6 months at 3.99% p.a.

Annual fee

$45.00 p.a. ongoing

Highlights

  • 3.99% for half a year on balance transfers, purchases, and cash advances (reverting to 8.99% p.a. thereafter).
  • A favorable 8.99% p.a. continuous interest rate on purchases and cash advances.
  • Enjoy up to 55 days interest-free on purchases.

Pros

  • The low-interest rate for purchases and cash advances.
  • Even lower interest rate for the first 6 months on balance transfers, purchases, and cash advances.
  • Get an additional cardholder at no extra cost.
  • Compatible with digital wallets from Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Cons

  • No rewards program.
  • Basic card with no frills and perks.
Firefighters Mutual Bank Credit Card

On website

Balance transfer

6 months at 7.9% p.a.

Purchase rate

6 months at 7.9% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • Acquire an introductory rate of 7.90% p.a. on balance transfers and purchases (reverting to 11.50% p.a. thereafter).
  • No annual fee for life.
  • Experience up to 55 days interest-free.

Pros

  • $0 annual fee.
  • Introductory 6-month offer for purchases and cash advances at a low 7.90% p.a. interest rate.
  • Low ongoing rates of 11.50% p.a.
  • Additional cardholders at no extra cost.

Cons

  • No rewards program.
  • No overseas insurance coverage.
  • Cash advance fee is $4.50 per transaction.
  • International currency conversion fee is 2.90% in AUD value.
First Option Bank Low Rate Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

10.49% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Experience a low-interest rate of 10.49% p.a. on purchases.
  • Enjoy a waived first-year annual fee, saving $48.
  • Includes the Environmental Rewards program.

Pros

  • Low interest rate on purchases.
  • Up to 45 interest-free days.
  • Limits are available from $500 to $25,000.
  • Cards are Australian-made using recycled plastic.

Cons

  • The 17.99% p.a. interest rate on cash advances.
  • Shorter interest free period compared to most card issuers.
G&C Mutual Bank Low Rate Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

7.49% p.a. ongoing

Annual fee

$50.00 p.a. ongoing

Highlights

  • Benefit from a low 7.49% p.a. interest rate on purchases.
  • Enjoy a modest annual fee of $50 p.a.
  • Get up to 50 interest-free days.

Pros

  • Low-interest rate.
  • Low annual fee.
  • Up to 50 interest-free days.
  • Visa payWave, New Payment Platform (NPP) and BPAY enabled.

Cons

  • The cash advance rate is 15.49% p.a.
  • No rewards program.
  • No balance transfer offers at present.
G&C Mutual Bank Low Rate Business Credit Card

On website

Balance transfer

N/A

Purchase rate

12.49% p.a. ongoing

Annual fee

$50.00 p.a. ongoing

Highlights

  • Avail a low 12.49% p.a. interest rate on purchases and enjoy up to 50 interest-free days.
  • Benefit from a low annual fee of $50 p.a.
  • Add 5 additional cards at no extra cost.

Pros

  • Low ongoing interest rate.
  • Low annual fee.
  • Up to 50 interest-free days.

Cons

  • The cash advance rate is 19.49% p.a.
  • Doesn't earn rewards.
  • No balance transfer offer.
Geelong Bank AMIGO Credit Card

On website

Balance transfer

6 months at 4.99% p.a.

Purchase rate

11.99% p.a. ongoing

Annual fee

$49.00 p.a. ongoing

Highlights

  • Enjoy 4.99% p.a. for 6 months on balance transfers with no balance transfer fee, reverting to 11.99% p.a. thereafter.
  • Benefit from a low ongoing annual fee of $49 p.a.
  • Access a low rate of 11.99% p.a. on cash advances and purchases.

Pros

  • Credit limit from as little as $1,000.
  • Get an additional card at no extra cost.
  • Balance transfers at 4.99% p.a.
  • No balance transfer fee.
  • Use Visa PayWave for transactions under $100.

Cons

  • There is an annual fee.
  • No rewards program.
  • No sign up bonus for new customers.
  • International travel insurance cover is not available.
Goulburn Murray Credit Union AMIGO Credit Card

On website

Goulburn Murray Credit Union AMIGO Credit Card

Balance transfer

6 months at 5.49% p.a.

Purchase rate

12% p.a. ongoing

Annual fee

$49.00 p.a. ongoing

Highlights

  • Experience 5.49% p.a. for 6 months on balance transfers with a 0% balance transfer fee, reverting to 12% p.a. thereafter.
  • Benefit from a low annual fee of $49 p.a.
  • Enjoy a low ongoing interest rate of 12% p.a. on cash advances and purchases.

Pros

  • Credit limit from as little as $1,000.
  • Balance transfer rate of 5.49% p.a. for 6 with no balance transfer fee.
  • Get an additional card at no extra cost.
  • Use Visa PayWave for transactions under $100.

Cons

  • No rewards program.
  • No introductory offer on purchases.
  • Does not come with complimentary travel and other insurance covers.
Great Southern Bank Low Rate Credit Card

On website

Balance transfer

N/A

Purchase rate

11.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Benefit from a low purchase rate of 11.99% p.a.
  • Receive a first-year annual fee waiver; $49 p.a. thereafter.
  • Enjoy up to 9 additional cards at no extra cost.

Pros

  • Indulge convenience with contactless transactions: Apple Pay and Google Pay.
  • Save on interest with interest-free days up to 55 days on purchases.
  • Comes with fraud protection.

Cons

  • There is no rewards program on this card.
Greater Bank Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

9.95% p.a. ongoing

Annual fee

$49.00 p.a. ongoing

Highlights

  • Access a competitive variable interest rate of 9.95% p.a. on purchases and cash advances.
  • Benefit from a low annual fee of $49 p.a.
  • Enjoy up to 55 days interest-free on card purchases.

Pros

  • Low-interest rate.
  • Low annual fee.
  • The next year's annual fee is waived if you spend at least $12,000 in any year.

Cons

  • No rewards program.
  • Foreign currency conversion fee of 3%.
  • No introductory offer for balance transfers.
Heritage Classic Credit Card

On website

Balance transfer

N/A

Purchase rate

17.99% p.a. ongoing

Annual fee

$55.00 p.a. ongoing

Highlights

  • Minimum credit limit of $1,000.
  • Annual fee of $55 p.a. waived when you spend $25,000 or more.
  • Earn 1 Heritage Credit for every $1,300 spent per calendar month.

Pros

  • Competitive annual fee.
  • Waived annual fee if you meet the criteria.
  • Enjoy 55 interest-free days on purchases.

Cons

  • Other cards have better rewards points earn rate ratios.
  • No balance transfer option.
Heritage Platinum Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

17.99% p.a. ongoing

Annual fee

$125.00 p.a. ongoing

Highlights

  • Enjoy 0% p.a. for 12 months on balance transfers with no balance transfer fee on amounts transferred (reverting to 19.99% p.a. thereafter).
  • The annual fee of $125 p.a. is waived when you spend $35,000 or more.
  • Earn 3 Heritage Credits for every $1,500 spent per calendar month.

Pros

  • 0% p.a. for 12 months on balance transfers with no balance transfer fee on amounts transferred.
  • Includes International Travel Insurance, Interstate Flight Inconvenience Insurance, Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance, and Guaranteed Pricing Scheme.
  • Platinum-level concierge service, available round the clock.

Cons

  • Other cards offer a better rewards points earn rate ratio.
  • Ongoing interest rates are about average.
Heritage Gold Low Rate Credit Card

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

11.8% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • $0 p.a. annual fee.
  • Enjoy low interest of 11.80% p.a. on purchases.
  • Benefit from comparatively low cash advance rates at 11.80%, lower than the standard rate of many other cards.

Pros

  • No annual fee.
  • Low-interest rate.
  • 0% p.a. for 12 months on balance transfers with no balance transfer fee on amounts transferred (reverts to 11.80% p.a. thereafter).

Cons

  • No interest-free days.
  • Not entitled to participate in Heritage Rewards program.
Horizon Bank Visa Credit Card

On website

Balance transfer

5 months at 4.99% p.a.

Purchase rate

5 months at 4.99% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • Purchase and balance transfer offer of 4.99% p.a. for 5 months.
  • Benefit from low ongoing interest rates on purchases, balance transfers, and cash advances.
  • Enjoy a $0 annual fee with up to 55 interest-free days on purchases.

Pros

  • Special 5-month introductory rate on purchases and balance transfers.
  • The low ongoing rate on purchases and cash advances.
  • No annual fee for life.
  • Minimum credit limit of $500 to help keep your spending within control.

Cons

  • No rewards program on this card.
  • The card does not offer complimentary insurance cover.
Hume Value Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

11.95% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • $0 annual fee.
  • Benefit from a low-interest rate of 11.95% p.a. on purchases.
  • Enjoy up to 55 interest-free days.

Pros

  • No annual fee card.
  • The low ongoing interest rate on purchases.
  • Up to 55 days interest-free period on purchases.
  • Minimum credit limits range between $500 to $20,000.

Cons

  • There are no introductory rates at the moment.
Hume Clear Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

14.95% p.a. ongoing

Annual fee

$30.00 p.a. ongoing

Highlights

  • The $30 annual fee is waived upon spending over $8,000 a year.
  • Earn 1 reward point for every $1 spent.
  • Enjoy up to 55 interest-free days.
  • Credit limits range from as low as $500 to as high as $50,000.

Pros

  • Low annual fee with fee waivers for spending over $8,000.
  • 3 additional cardholders at no extra cost.
  • Earn cash redeemable loyalty points at the rate of 1 per $1 spent.
  • Get up to a $50,000 credit limit.

Cons

  • There are no introductory rates at the moment.
  • No special balance transfer offer at present.
  • Need to earn at least 400 points before you get money back in your account.
Illawarra CU Low Rate Mastercard

On website

Balance transfer

N/A

Purchase rate

8.99% p.a. ongoing

Annual fee

$50.00 p.a. ongoing

Highlights

  • Benefit from a low annual fee of just $50 p.a., waived in the first year.
  • Enjoy a low purchase rate of 8.99% p.a.
  • Get up to 45 days interest-free on purchases.

Pros

  • Compatible with Apple Pay, Google Pay, and Samsung pay.
  • Annual fee of $50 is waived in the first year.
  • Up to 45 days interest-free on purchases.
  • Credit limits range from $500 to $25,000.

Cons

  • No balance transfer offer at present.
  • There is a 3% overseas transaction fee.
IMB Low Rate Mastercard

On website

Balance transfer

12 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Annual fee

$37.00 for 1st year

Highlights

  • Take advantage of 0% for 12 months on balance transfers with no balance transfer fee. Reverts to the cash advance rate of 21.74% p.a.
  • Benefit from a discounted annual fee of $37 in the first year (reverting to $75 p.a. thereafter).
  • Enjoy a low retail purchase interest rate of 12.99% p.a.

Pros

  • Get a discounted annual fee of $37 for the first year.
  • Low interest rate on purchases.
  • 0% balance transfer for 12 months.
  • Includes complimentary purchase Cover Insurance and Guaranteed Pricing Scheme.

Cons

  • Balance transfer revert rate is at 21.74% p.a.

IMB Platinum Mastercard

On website

Balance transfer

24 months at 0% p.a.

Purchase rate

20.24% p.a. ongoing

Annual fee

$129.00 p.a. ongoing

Highlights

  • Experience 0% for 24 months on Balance Transfers with a 0% balance transfer fee. Reverts to the cash advance rate of 21.74% p.a.
  • Receive 20,000 rewards points when you spend $3,000 or more on eligible purchases within 3 months of approval.
  • Earn 1 reward point for every $1 spent on Eligible Transactions.

Pros

  • Enjoy 0% for 24 months on Balance Transfers with a 0% balance transfer fee.
  • Receive 20,000 bonus reward points when you meet the criteria.
  • Includes complimentary International Travel Insurance, Interstate Flight Inconvenience Insurance, Purchase Cover Insurance, and Guaranteed Pricing Scheme.

Cons

  • The ongoing annual fee of $129 p.a.
  • Ongoing rates on purchases are average.
ING Orange One Low Rate Credit Card

On website

Balance transfer

N/A

Purchase rate

11.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • No annual fee and a low 11.99% p.a. variable rate on purchases.
  • Add cardholder for $10 p.a.
  • Avoid ING international transaction fees by depositing at least $1,000 a month into your ING accounts (excluding Living Super and Orange One) and making 5+ settled card purchases.

Pros

  • No annual fee.
  • Competitively low interest rate of 11.99% p.a. on purchases and cash advances.
  • Variable 9.99% p.a. on instalments.
  • No international transaction fee.

Cons

  • Additional cardholder comes at a cost.
  • Minimum credit limit of $6,000.
ING Orange One Rewards Platinum Credit Card

On website

Balance transfer

N/A

Purchase rate

16.99% p.a. ongoing

Annual fee

$149.00 p.a. ongoing

Highlights

  • Receive up to $30 cashback on your monthly spend (up to $360 annually).
  • Enjoy a 16.99% p.a. variable rate on purchases.
  • Secure low interest rates with instalments.
  • Includes complimentary travel insurance. Terms, conditions, limits, and exclusions apply.

Pros

  • Get up to $30 cashback per month, up to $360 each year.
  • Relatively low interest rate of 16.99% p.a. on cash advances and purchases.
  • An instalment plan that helps lock up lower interest rate (9.99% p.a.).

Cons

  • Interest-free 45 days is lower than most cards offering up to 55 days.
  • You need an Orange Everyday account or open one to get this credit card.
  • A lot of requirements to become eligible for ATM fee rebates and foreign transaction fee waivers.
Macquarie Black Credit Card with Macquarie Rewards

On website

Balance transfer

N/A

Purchase rate

20.7% p.a. ongoing

Annual fee

$149.00 p.a. ongoing

Highlights

  • Earn 2 Macquarie Reward points per $1 spent.
  • Receive up to $54 in gift cards when you spend $5,000 per month.
  • Enjoy up to 4 free additional cardholders.

Pros

  • No international purchase fees.
  • Earn 2 Macquarie Reward points per $1 spent.
  • Macquarie Rewards points can be redeemed for virtual gift cards or as cashback.
  • $54 in gift cards when you spend $5,000 per month.
  • Up to 55 days interest-free on purchase.
  • Comes with complimentary overseas travel insurance and an extended warranty on purchases.
  • Compatible with Apple Pay and Google Pay.

Cons

  • The $149 p.a. annual fee.
  • Points can't be transferred to airline rewards programs.
  • Interest rates are about average for a rewards card, i.e. not very low.
Macquarie Visa Platinum Credit Card

On website

Balance transfer

N/A

Purchase rate

20.7% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • Earn up to $20 in gift cards when you spend $3,100 monthly. Terms and Conditions apply.
  • Earn 1.25 Macquarie Reward points per $1 spent.
  • Benefit from up to 4 free additional cardholders, with the option to add more at an additional cost.

Pros

  • No international purchase fees.
  • Up to 55 days interest-free on purchase.
  • Compatible with Apple Pay and Google Pay.

Cons

  • The $99 p.a. annual fee.
  • Samsung Pay is not supported.
  • Macquarie Rewards have no airline partners.
Macquarie Visa RateSaver Credit Card

On website

Balance transfer

N/A

Purchase rate

15.95% p.a. ongoing

Annual fee

$69.00 p.a. ongoing

Highlights

  • Benefit from a low standard interest rate of 15.95% p.a. on purchases and cash advances.
  • Enjoy up to 55 days interest-free on purchases.
  • Experience $0 international purchase fees.

Pros

  • Low ongoing interest rate.
  • Get up to 55 interest-free days on purchases.
  • Get up to 4 additional cardholders for free.

Cons

  • No rewards program.
  • Limited travel benefits since this is a no-frills card.
  • No overseas travel insurance cover.
Macquarie Credit Union Visa Credit Card

On website

Balance transfer

6 months at 6.95% p.a.

Purchase rate

12.99% p.a. ongoing

Annual fee

$30.00 p.a. ongoing

Highlights

  • Benefit from a low introductory rate for the first 6 months on balance transfers (reverting to 12.99% p.a. thereafter).
  • Enjoy a low annual fee of $30 p.a.
  • Get up to 55 interest-free days.

Pros

  • Low interest rates on purchases and cash advances.
  • Competitive annual fee.
  • Visa payWave is available for purchases under $100.

Cons

  • No rewards program.
  • Doesn't work with digital wallets.
ME Frank Credit Card

On website

Balance transfer

N/A

Purchase rate

13.49% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Benefit from one of the most competitive ongoing purchase interest rates at 13.49% p.a.
  • Cash advances are equally cost-effective, also at 13.49% p.a., accompanied by a $4 or 2% fee (whichever is greater).
  • The ideal annual fee: zero.

Pros

  • 13.49% p.a. interest rate on purchases and cash advances.
  • No annual fee for life.
  • Get up to 55 days interest-free on purchases.
  • Low foreign transaction fee.
  • Easily lock the card from the app if lost.

Cons

  • You will not earn rewards points on this card.
  • No interest-free balance transfers.
  • No complimentary insurance coverage.
MONEYME Freestyle Virtual Card

On website

Balance transfer

N/A

Purchase rate

From 18.24% p.a. ongoing

Annual fee

From $0.00 p.a. ongoing

Highlights

  • Use virtual card instantly once approved (typically within 60 mins)
  • Tap n Pay with up to 55 days interest free
  • Use credit to transfer money to anyone
  • Exclusive features
  • Thousands of 5-star customer reviews

Bank promo

  • Get MONEYME's lowest advertised rate EVER of 18.74% p.a.
  • Annual fee of $0 to $149 p.a. based on credit limit plus a monthly fee of $5 for balances over $20.

Pros

  • Available to use immediately after approval.
  • Money can be transferred to your bank account.
  • Get cashback at participating stores with Cashrewards.

Cons

  • The maximum credit limit is comparatively low.
  • Combination of annual and monthly fees can be quite expensive for the highest credit limit.
  • There is a 1.5% withdrawal fee.
Newcastle Permanent Value+ Credit Card

On website

Balance transfer

N/A

Purchase rate

11.99% p.a. ongoing

Annual fee

$49.00 p.a. ongoing

Highlights

  • Obtain a low-interest rate of 11.99% p.a. on purchases, cash advances, and balance transfers.
  • Enjoy up to 55 days interest-free on purchases.
  • Add up to 3 additional cards at no extra cost.

Pros

  • Low annual fee.
  • Competitive low interest rate.
  • Enjoy up to 55 days interest-free on purchases.
  • Get up to 3 additional cards at no extra cost.

Cons

  • There is a foreign currency conversion fee of 3%.
  • Doesn't have an interest-free balance transfer offer.
Northern Inland Credit Union Visa Classic Credit Card

On website

Northern Inland Credit Union Visa Classic Credit Card

Balance transfer

N/A

Purchase rate

14% p.a. ongoing

Annual fee

$40.00 p.a. ongoing

Highlights

  • $40 p.a. annual fee.
  • Enjoy up to 55 interest-free days on purchases.
  • A discounted Home Loan Reward Rate of 10.74% p.a. for length of their home loan.

Pros

  • Low ongoing annual fee.
  • Discounted 10.74% p.a. Home Loan Rewards Rate for length of home loan.
  • Up to 55 interest-free days on purchases.

Cons

  • There is no rewards program.
  • No balance transfer offer at the moment.
P&N Bank Classic Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

11.99% p.a. ongoing

Annual fee

$49.00 p.a. ongoing

Highlights

  • Annual fee remains low at $49 per annum.
  • Enjoy a competitive interest rate of 11.99% on balance transfers and purchases.
  • Benefit from up to 45 days with no interest charges.

Pros

  • The competitive annual fee.
  • Low-interest rates on purchases.
  • Quick and easy application process.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • No rewards program.
  • No introductory interest-free balance transfer offer.
  • Only up to 45 days interest-free (51 is more typical).
P&N Bank Platinum Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

11.99% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • Low-interest rate of 11.99% p.a. on balance transfers and purchases.
  • Up to 45 interest-free days.
  • Includes complimentary insurance cover.

Pros

  • Low ongoing interest rates.
  • Complimentary insurance plans.
  • Access to the 24 / 7 concierge service.

Cons

  • The annual fee is $99 p.a.
  • 45 interest-free days is not as long as what's available on some cards.
  • Doesn't have a rewards program.
  • No interest-free balance transfer offer.
People's Choice Low Rate Visa Credit Card

On website

Balance transfer

6 months at 2.99% p.a.

Purchase rate

6 months at 2.99% p.a.

Annual fee

$59.00 p.a. ongoing

Highlights

  • Avail a special rate of 2.99% per annum for 6 months on balance transfers.
  • Take advantage of a 2.99% per annum rate for 6 months on purchases.
  • Get up to 62 days with no interest charges on purchases.

Pros

  • 2.99% p.a. for 6 months on balance transfers, purchases and cash advances (reverts to 12.95% p.a. thereafter).
  • 62 days interest-free days on purchases, which is among the longest.
  • Supports Apple Pay, Google Pay, and Samsung Pay.

Cons

  • No rewards program or travel benefits.
  • Relatively high annual fee for a low rate credit card (but this may be waived if eligible).
Police Bank Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

10.76% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Enjoy a waived first-year annual fee, returning to $30 per annum thereafter.
  • Benefit from a competitive interest rate of 10.76% per annum on both cash advances and purchases.
  • Make the most of up to 55 days with no interest charges on purchases.

Pros

  • No annual fee for the first year.
  • Low interest on purchases and cash advances.
  • 55 interest-free days on purchases.

Cons

  • No rewards program.
  • Relatively higher cash advance fee at 3.8% p.a.
  • No introductory interest-free balance transfer offer.
Police Credit Union Extralite Credit Card

On website

Balance transfer

N/A

Purchase rate

13.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Experience a favorable 13.99% per annum interest rate on both purchases and cash advances.
  • Enjoy up to 44 days with no interest charges.
  • Avoid Visa transaction fees on Visa Credit purchases.
  • Pay zero annual fees as long as you maintain the card.

Pros

  • Low-interest rates on cash advances and purchases.
  • No annual fee for life.
  • Fraud protection service.
  • Credit limits from $1,000 to $50,000.

Cons

  • Cards with more interest-free days are available.
  • There is a foreign currency conversion fee of 3%.
  • No rewards program.
  • No interest-free balance transfer offer.
QBANK Bluey Visa Credit Card

On website

QBANK Bluey Visa Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

11.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Benefit from a 0% balance transfer offer for 12 months, returning to 11.99% per annum thereafter.
  • Enjoy the absence of an annual fee.
  • Take advantage of a competitive variable interest rate of 11.99% per annum on both purchases and cash advances.

Pros

  • Same low-interest rate on purchases and cash advances.
  • Balance transfer offer of 0% p.a. for 12 months
  • Up to 55 days interest-free.
  • Access to exclusive Visa offers and perks..

Cons

  • No rewards program.
  • Foreign currency conversion fee of 3.65%.
  • No complimentary travel insurance.
Qudos Bank Visa Platinum Credit Card

On website

Balance transfer

5 months at 4.99% p.a.

Purchase rate

5 months at 4.99% p.a.

Annual fee

$199.00 p.a. ongoing

Highlights

  • 4.99% p.a. for 5 months on balance transfers, and purchases. Reverts to 19.49% p.a.
  • Up to 55 interest-free days on purchases.
  • Earn 1 Qantas Point per $1 spent on eligible purchases.

Pros

  • Earn 1 Qantas Point for every $1 spent on eligible purchases.
  • Complimentary overseas travel insurance.
  • 24/7 worldwide Visa Premium Concierge Service.
  • Works with most of the major digital wallets.

Cons

  • The $199 p.a. annual fee.
  • There is a 3.65% foreign conversion fee.
Qudos Bank Visa Lifestyle Credit Card

On website

Balance transfer

5 months at 4.99% p.a.

Purchase rate

5 months at 4.99% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • Pay no annual fee for as long as you maintain the card.
  • Benefit from a 4.99% per annum rate on purchases and balance transfers for 5 months (12.84% per annum thereafter).
  • No additional card fees apply.

Pros

  • The introductory rate of 4.99% for 5 months on purchases, cash advances and balance transfers.
  • Low standard interest rates.
  • $0 fee for an additional cardholder.

Cons

  • No interest-free days on purchases.
  • Longer balance transfer offers are available.
  • Doesn't earn rewards or have any travel benefits.
Qudos Bank Lifestyle Plus Credit Card

On website

Balance transfer

5 months at 4.99% p.a.

Purchase rate

5 months at 4.99% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • $0 annual fee.
  • Enjoy 4.99% p.a. on purchases and balance transfers for 5 months (16.35% p.a. thereafter).
  • Up to 46 interest-free days.

Pros

  • Enjoy the absence of an annual fee.
  • Benefit from ongoing interest rates on purchases that are slightly below the average.
  • Receive special offers through Visa Entertainment.
  • Compatible with all major digital wallets, including Apple Pay and Google Pay.

Cons

  • No rewards program.
  • Interest-free days are limited to 46.
Queensland Country Bank Visa Credit Card

On website

Queensland Country Bank Visa Credit Card

Balance transfer

N/A

Purchase rate

14.45% p.a. ongoing

Annual fee

$39.00 p.a. ongoing

Highlights

  • Avail a modest $39 annual fee.
  • Benefit from the same low-interest rate of 14.45% per annum on both cash advances and purchases.
  • Enjoy the perk of free additional cardholders.

Pros

  • Low annual fee.
  • Additional cardholders at no extra cost.
  • Up to 55 days interest-free on purchases.
  • Access to Visa Entertainment exclusive offers.

Cons

  • No introductory balance transfer rate at the moment.
  • No rewards program.
  • No complimentary travel insurance.
ANZ Qantas Business Rewards Card

On website

ANZ Qantas Business Rewards Card

Balance transfer

N/A

Purchase rate

20.24% p.a. ongoing

Annual fee

$300.00 p.a. ongoing

Highlights

  • Get 130,000 bonus Reward Points upon spending $6,000 on eligible purchases within the initial 3 months after approval.
  • Earn 0.75 Reward Points per $1 spent on eligible purchases up to and including $15,000 per statement period. Earn 0.5 Qantas Points for every $1 over $15,000.
  • Receive complimentary Unauthorized Transactions Insurance, Domestic and International Travel Insurance.

Pros

  • Substantial sign-up bonus for new qualifying customers.
  • Earn up to 0.75 Point per $1 spent on eligible business purchases.
  • Tax payments to the ATO also earn points.
  • Points can be transferred to several different airline frequent flyer programs.
  • Comes with complimentary international travel insurance.
  • Also has unauthorised transaction insurance.
  • Cardholders have access to ANZ's concierge service.
  • Add unlimited cardholders for free to share the account with staff.
  • Works with Apple Pay, Google Pay, and Samsung Pay, making payments more convenient.
  • Get a data feed for Xero, MYOB, and QuickBooks, making accounting and bookkeeping more streamlined.

Cons

  • The card's ongoing annual fee is $300 p.a.
  • Transactions made in a foreign currency or online attract a 3% fee.
  • No introductory purchase offer and interest is charged at 20.24% p.a.
  • No balance transfer offer.
  • Earn rate drops after $15,000 spent per statement period.
Regional Australia Bank Your Choice Credit Card

On website

Regional Australia Bank Your Choice Credit Card

Balance transfer

N/A

Purchase rate

14.69% p.a. ongoing

Annual fee

$40.00 p.a. ongoing

Highlights

  • Enjoy a purchase rate of 11.69% p.a. if you have a Regional Australia Bank home loan (14.69% p.a. ongoing purchase rate).
  • Low annual fee of $40 p.a.
  • Up to 55 days interest-free on purchases.

Pros

  • Low annual fee (waived for Partnership Advantage Home Loan holders).
  • Discounted purchase and advance interest rates for home loan holders.
  • Additional cardholder at no extra cost.
  • Get up to 55 interest-free days on purchases.
  • Minimum credit limit of $500 for those who wish to keep spending on a tight leash.

Cons

  • No rewards program.
  • No overseas travel insurance and concierge services.
Regional Australia Bank Visa Platinum Rewards Credit Card

On website

Regional Australia Bank Visa Platinum Rewards Credit Card

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$195.00 p.a. ongoing

Highlights

  • No fees for additional cardholders, cash advances and late payments.
  • The annual fee is waived for Partnership Advantage Home Loan holders (usually $195 p.a.).
  • Earn 0.75 Qantas Points for every $1 you spend on eligible purchases ang get complimentary Qantas Frequent Flyer membership and 10,000 points a year.
  • Up to 45 days interest-free on purchases.

Pros

  • No fees for cash advances, late payments or additional cardholders.
  • Complimentary travel insurance
  • Visa Platinum Concierge Service.
  • Earn Qantas points for flights, travel upgrades and more.

Cons

  • The 19.99% p.a. interest rate on cash advances and purchases.
  • Interest free days limited to 45..
South West Slopes CU Visa Classic Credit Card

On website

Balance transfer

N/A

Purchase rate

13.45% p.a. ongoing

Annual fee

$30.00 p.a. ongoing

Highlights

  • Benefit from a low-interest rate of 13.45% per annum on both cash advances and purchases.
  • Enjoy a continuing annual fee of $30.
  • Get up to 55 interest-free days.

Pros

  • The low ongoing interest rates.
  • Low minimum credit limit of $500.
  • Up to 55 days interest-free period on purchases.
  • Minimum credit limits range between $500 to $20,000.

Cons

  • There are no introductory rates at the moment.
  • There is no balance transfer offer at the moment.
  • Doesn't earn rewards points.
Summerland Credit Union Low Rate Mastercard

On website

Balance transfer

9 months at 0% p.a.

Purchase rate

11.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Experience 0% per annum for 9 months on balance transfers with no balance transfer fee, returning to 11.99% per annum thereafter.
  • Benefit from a low 11.99% per annum interest rate on both purchases and cash advances.
  • Enjoy no annual fee for the first year, with an annual fee of $49 thereafter.

Pros

  • 0% p.a. for 9 months on balance transfers with no fee.
  • No annual fee for the first year.
  • Competitive purchase and cash advance rate.

Cons

  • There is a 3% foreign conversion fee.
  • Doesn't earn rewards points.
Teachers Mutual Bank Credit Card

On website

Balance transfer

6 months at 7.9% p.a.

Purchase rate

6 months at 7.9% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • Take advantage of an introductory rate of 7.90% per annum on both balance transfers and purchases, reverting to 11.50% per annum thereafter.
  • Benefit from a lifetime exemption from annual fees.
  • Credit limits ranging from $1,000 to $25,000 are available. Enjoy up to 55 days with no interest charges.

Pros

  • No annual fee for the life of the account.
  • Introductory offers on purchases and cash advances at 7.90% for 6 months.
  • Low ongoing rate for cash advances and purchases.
  • Additional cardholders at no extra cost.

Cons

  • No rewards program.
  • Introductory balance transfers are not interest-free.
UniBank Visa Credit Card

On website

Balance transfer

6 months at 7.9% p.a.

Purchase rate

6 months at 7.9% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • Get an introductory rate of 7.90% p.a. on balance transfers and purchases (reverts to 11.50% p.a.).
  • No annual fee for life and flexible credit limits from $1,000 to $25,000.
  • Enjoy up to 55 days interest-free days.

Pros

  • $0 annual fee.
  • Low ongoing rates of 11.50% p.a.
  • Introductory offers on purchases and balance transfers for 6 months at discounted rate of 7.90% p.a.
  • Additional cardholders at no extra cost.

Cons

  • No rewards program.
  • No other perks and privileges.
Unity Bank Visa Credit Card

On website

Balance transfer

6 months at 7.74% p.a.

Purchase rate

6 months at 7.74% p.a.

Annual fee

$0.00 for 1st year

Highlights

  • Take advantage of a rate of 7.74% for 6 months on both balance transfers and purchases, reverting to 13.49% thereafter.
  • Enjoy no first-year annual fee (reverting to $60 per annum in the following years).
  • Benefit from up to 55 interest-free days on purchases.

Pros

  • Low ongoing interest rates.
  • No annual fee for the first year.
  • You can link your card to Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is no introductory offer on balance transfers or purchases at the moment.
  • No rewards program.
Woolworths Everyday Platinum Credit Card

On website

Woolworths Everyday Platinum Credit Card

Balance transfer

14 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • 0% p.a. for 14 months on balance transfers with a 0% balance transfer fee, then reverts to 19.99% p.a.
  • No annual fee for the first year ($49 thereafter).
  • Earn up to 3 Credit Card points per $1 spent on eligible purchases.

Pros

  • 0% p.a. for 14 months on balance transfers with a 0% balance transfer fee.
  • No annual fee for the first year.
  • Points are automatically converted to Woolworths Shopping Cards.

Cons

  • The balance transfer revert rate is 19.99%
Woolworths Qantas Platinum Credit Card

On website

Woolworths Qantas Platinum Credit Card

Balance transfer

14 months at 0% p.a.

Purchase rate

20.49% p.a. ongoing

Annual fee

$99.00 for 1st year

Highlights

  • 0% p.a. for 14 months on balance transfers with 0% balance transfer fee. Reverts to 19.99% p.a.
  • $99 p.a annual fee for the first year ($169 p.a. thereafter)
  • Get 10% off your grocery shop once a month saving you up to $50 every month. Terms and Conditions apply.

Pros

  • 0% p.a. for 14 months on balance transfers with a 0% balance transfer fee.
  • The discounted annual fee for the first year.
  • Earn 1 Qantas Point for $1 spent at Woolworths and Woolworths Group Stores.
  • Earn 0.5 Qantas Points for every $1 spent on all other eligible purchases.

Cons

  • After the initial year, the annual fee increases to $169 p.a.
  • The balance transfer revert rate is 20.49%
Woolworths Team Bank Visa Credit Card

On website

Balance transfer

N/A

Purchase rate

13.45% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Provides a low ongoing interest rate of 13.45% per annum on balance transfers, cash advances, and purchases.
  • No annual fee is charged.
  • Enjoy up to 55 days interest-free on purchases.

Pros

  • Low ongoing interest rates.
  • No annual fee.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
  • No EFTPOS transaction fees.

Cons

  • No rewards program.
  • No complimentary insurance coverage.
  • No balance transfer offer.
Citi Rewards Card Balance Transfer and Purchase Offer

On website

Citi Rewards Card Balance Transfer and Purchase Offer

Balance transfer

12 months at 0% p.a.

Purchase rate

12 months at 0% p.a.

Annual fee

$199.00 p.a. ongoing

Highlights

  • 0% p.a. for 12 months on purchases and balance transfers. Balance transfer reverts to cash advance rate.
  • Complimentary VIP membership for one year with Wrapd.
  • Earn 1 Citi reward point for every $1 spent.

Pros

  • 0% p.a. on balance transfers and purchases for the first 12 months.
  • No balance transfer fee.
  • Earn 1 Citi reward point for every $1 spent.
  • Comes with complimentary mobile phone insurance

Cons

  • Balance transfer changes to a 22.24% p.a. cash advance rate after 12 months.
  • Annual fee is $199 p.a.
  • Fee for an additional card is $90.
Citi Premier $600 Cashback offer

On website

Citi Premier $600 Cashback offer

Balance transfer

6 months at 0% p.a.

Purchase rate

21.49% p.a. ongoing

Annual fee

$300.00 p.a. ongoing

Highlights

  • Get $600 cashback when you spend $2,000 on eligible purchases using Apple Pay within 3 months of approval. Terms and Conditions apply.
  • Enjoy 0% p.a. for 6 months on balance transfers.
  • Annual fee is $300 in the first year. Then $150 each subsequent year if you spend $48,000 on eligible purchases or cash advances in the previous year. Otherwise, it's $300 p.a.

Pros

  • Get $600 cashback when you meet the criteria.
  • Earn up to 2 Citi reward Points per $1 spent on eligible online transactions (capped).
  • Enjoy two free airport lounge visits annually with Priority Pass enrollment.
  • Includes complimentary mobile phone insurance.

Cons

  • Earned points are capped at 200,000 per year.
  • Earn 1 point per $1 on other eligible transactions.
  • Annual fee is $300.
Easy Street Low Rate Credit Card

On website

Easy Street Low Rate Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

8.99% p.a. ongoing

Annual fee

$40.00 p.a.

Highlights

  • 0% p.a. for 12 months on transferred balances, then reverts to 8.99% p.a.
  • Low ongoing interest rate of 8.99% on purchases and cash advances.
  • Annual fee is $40 p.a.

Pros

  • Competitive interest rates
  • Up to 55 days interest free
  • Minimum credit limit is $500

Cons

  • There is a 3% conversion fee on overseas transactions