Credit Card Comparison

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Verified by David Boyd   |   Updated 16 Oct 2024

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Comparing of 169 credit cards

Citi Rewards 100,000 Bonus Citi Reward Points Offer

On Citi's website

This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.

Featured

Citi Rewards 100,000 Bonus Citi Reward Points Offer

Balance transfer

N/A

Purchase rate

21.49% p.a. ongoing

Interest-free days

44 days

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 3 months 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. See Terms and Conditions here.

Pros

  • Earn 100,000 bonus points when you meet the criteria.
  • Discounted annual fee.
  • You can shop and use your points to receive a credit back.
  • 10% off Limited Time LUX Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.

Cons

  • No ongoing introductory balance transfer or purchase offer.
Citi Rewards Card Balance Transfer and Purchase Offer

On Citi's website

This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.

Citi Rewards Card Balance Transfer and Purchase Offer

Balance transfer

15 months at 0% p.a.

Purchase rate

15 months at 0% p.a.

Interest-free days

44 days

Annual fee

$199.00 p.a. ongoing

Highlights

  • 0% p.a. for 15 months on purchases and balance transfers. Balance transfer reverts to cash advance rate.
  • Complimentary mobile phone insurance when you pay your monthly mobile plan bill with your Citi Rewards Credit Card . See Terms and Conditions here.
  • Earn up to 1 Citi reward point for every $1 spent.

Pros

  • 0% p.a. on balance transfers and purchases for the first 15 months.
  • No balance transfer fee.
  • Earn up to 1 Citi reward point for every $1 spent.
  • 10% off Limited Time LUX Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.

Cons

  • Balance transfer changes to a 22.24% p.a. cash advance rate after 15 months.
  • Fee for an additional card is $90.
Citi Clear Credit Card

On Citi's website

This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.

Citi Clear Credit Card

Balance transfer

24 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$49.00 for 1st year

Highlights

  • Benefit from 0% p.a. for 24 months on Balance Transfers (with a 1.5% Balance Transfer fee). The rate reverts to the cash advance rate.
  • Get a discounted first-year annual fee of $49 ($99 p.a. thereafter)
  • Enjoy a low ongoing variable purchase rate of 14.99% p.a.
  • Access to complimentary insurances including Extended Warranty Insurance and Purchase Protection Insurance. See Terms and Conditions here.

Pros

  • Low ongoing variable purchase rate of 14.99% p.a.
  • Add up to 4 additional cardholders at $0 fee.
  • Up to 44 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.
  • After the initial year, the annual fee reverts to $99 p.a.
  • Interest will be charged on retail purchases while you have a balance transfer.
American Express Platinum Business Card

Apply by 5 November 2024

American Express Platinum Business Card

Balance transfer

N/A

Purchase rate

N/A

Interest-free days

55 days

Annual fee

$1,750.00 p.a. ongoing

Highlights

  • Get 350,000 bonus Membership Rewards points by applying before 5 November 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 Qantas Business Rewards Card

Apply by 14 January 2025

American Express Qantas Business Rewards Card

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Interest-free days

51 days

Annual fee

$450.00 p.a. ongoing

Highlights

  • Get 130,000 bonus Qantas Points with the American Express Qantas Business Rewards Card when applying by 14 January 2025, getting approved, and spending at least $3,000 within 2 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 130,000 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 Business Explorer Credit Card

American Express Business Explorer Credit Card

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$149.00 p.a. ongoing

Highlights

  • Earn 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend at least $3,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Benefit from two Centurion Lounge passes per year at Sydney and Melbourne airports.
  • Receive Complimentary Travel Insurance when paying for your return trip with your Card.

Pros

  • Earn up to 2 points per $1 spent.
  • No fee for up to 99 employee cards.
  • Up to 55 interest-free days.

Cons

  • The annual fee of $149.
  • There is no balance transfer offer for this card.
  • Cash advances are blocked, which might be inconvenient for some.
American Express Velocity Business Card

Apply by 6 November 2024

American Express Velocity Business Card

Balance transfer

N/A

Purchase rate

N/A

Interest-free days

51 days

Annual fee

$249.00 p.a. ongoing

Highlights

  • Get 150,000 Bonus Velocity Points upon applying by 6 November 2024, getting approval, and fulfilling the minimum spending requirement of $5,000 within 2 months of approval. Plus join the Virgin Australia Business Flyer program and enjoy a $250 Virgin Australia Business Flyer Travel Bank credit when you meet the eligibility criteria. The offer is 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 150,000 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.
Cape Mastercard Interest-Free Days Business Credit Card

On Cape's website

Cape Mastercard Interest-Free Days Business Credit Card

Balance transfer

N/A

Purchase rate

0% p.a. ongoing

Interest-free days

30 days

Annual fee

From $383.88 p.a. ongoing

Highlights

  • Enjoy 30 days of interest-free credit on all purchases.
  • No fee for the first month.
  • Access generous credit limits of up to $500,000.
  • Benefit from 0% foreign transaction fees on international spending.

Pros

  • Add unlimited cardholders at no extra cost.
  • Seamlessly integrate with Xero for streamlined accounting.
  • Quick and easy application process.
  • Enjoy complimentary access to airport lounges worldwide.

Cons

  • Enjoy 30 days APR-free; thereafter, a standard 2.99% fee applies to revolving balances.
Bankwest Breeze Mastercard

On Bankwest's website

Bankwest Breeze Mastercard

Balance transfer

12 months at 0% p.a.

Purchase rate

12 months at 0% p.a.

Interest-free days

55 days

Annual fee

$49.00 p.a. ongoing

Highlights

  • Get 0% p.a. interest on balance transfers for 12 months (2% BT fee applies, then 12.99% p.a.), plus 0% p.a. for 12 months on purchases (reverting to 12.99% p.a.).
  • Enjoy up to 55 interest-free days on purchases.
  • Available to new customers for a limited time. T&Cs and fees 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.
Bankwest Zero Platinum Mastercard

On Bankwest's website

Bankwest Zero Platinum Mastercard

Balance transfer

28 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Interest-free days

55 days

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.
Bankwest Zero Mastercard

On Bankwest's website

Bankwest Zero Mastercard

Balance transfer

28 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Interest-free days

55 days

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.
Bankwest Breeze Platinum Mastercard

On Bankwest's website

Bankwest Breeze Platinum Mastercard

Balance transfer

12 months at 0% p.a.

Purchase rate

12 months at 0% p.a.

Interest-free days

55 days

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.
St.George Amplify Signature Credit Card (Amplify)

On St.George's website

Apply by 30 November 2024

St.George Amplify Signature Credit Card (Amplify)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

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).
  • 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 no promotional balance transfer offer at the moment.
Westpac Altitude Black Credit Card (Altitude)

On Westpac's website

Apply by 30 November 2024

Westpac Altitude Black Credit Card (Altitude)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

45 days

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 Westpac's website

Apply by 30 November 2024

Westpac Altitude Platinum Credit Card (Qantas)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

45 days

Annual fee

$119.00 for 1st year

Highlights

  • Receive up to 80,000 bonus Qantas Points. Acquire 60,000 Qantas Points in the first year upon spending $4k+ on eligible purchases within the initial 90 days from new card approval, and an additional 20,000 points after your first eligible purchase in the second year..
  • Initial $119 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 $119 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.

Credit card types

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