Terms and Conditions

About this website

Credit Card Compare (ACL 425682 / ABN 28 158 551 743) is one of the leading credit card comparison website in Australia. This website is a great starting point for your research and comparison of credit cards. We never charge you for the service of this website.

General Disclaimers

The information on this website inclusive of articles, learning centre pages, blog posts should not be considered as constituting credit advice or assistance. The tools and calculators provided (and the results that they give) are for illustrative purposes only and should also not be taken as constituting credit advice or assistance.

This website does not provide credit, credit assistance for consumers in obtaining credit, nor does it provide credit advice for consumers to apply for any product in particular or from a certain bank. If you decide to apply for a product you should be aware that you will be dealing with the credit provider and not this website. If you need personal finance advice based on your personal circumstances you should seek independent advice from a qualified financial advisor.

Even if you meet the minimum criteria of a credit product, such information is intended only to be a guide. Applications may still get rejected by a credit provider (bank) even if you can answer yes to all the minimum criteria. The final decision regarding any application for a credit product is solely with the relevant credit provider and subject to their credit criteria and approval process.

Products on this Site

We are normally made aware of changes to product information and make every effort to ensure that the information on this website is updated accordingly. However, some changes may occur without us being notified and the information is presented without warranty. Ensure you check any information or the results of using any tool if you intend to rely on them. If you find any error or omission in relation to the information on this website or an error in the completeness or correctness of the results of tools then we would appreciate your feedback so that we can fix it.

Please also note that the range of products listed on this website include many from major banks, smaller banks, mutuals, building societies, credit unions and other credit card issuers and include products made available from advertisers. This website may not include all of the credit cards on the market in Australia.

Product information displayed on the site comes from a variety of sources, including directly from the financial institutions and from our own research. Editorial standards apply to copy written by Credit Card Compare for products listed in comparison tables. We make every reasonable effort to ensure that product information, published on this site, that is not supplied to us directly by advertisers, is accurate.

How Our Business Works

When a visitor clicks on the "application" link from one our credit card comparison tables or pages make sure you always read the small print on the credit card application before you apply.

Credit Card Compare is an affiliate of the banks and financial service providers listed on this website. As such we receive a commission from each financial service provider when credit cards are self-selected by consumers as a result of the outbound links on our site to the application form on the bank's website.

You must always carefully read the terms and conditions on the application form found on the bank's website before you apply for any credit card including details of interest rates and other charges. In the event that you decide to apply for a product selected via the website, the full documentation and other relevant details should be sent to you by the lender and not by Credit Card Compare. It is the responsibility of the bank or lender to provide all relevant documentation to you and we cannot accept any responsibility in the event that you do not receive the documentation requested or expected.

Sponsorships and Advertising

We do include advertising on our website which we describe on the site as “Promoted”, "Promotion" or shown in the form of standard graphical display banner advertising.

Products from advertisers that are sponsored on this site are labelled as “Promoted” or "Promotion". Generally these are products located outside of comparison tables and are labelled “Promoted” or "Promotion" with direct links to the relevant and specific page of the advertiser’s website. If any superscriptions are used in a promoted placement, the corresponding explanations will be given on the landing page of the advertiser’s website.

How Comparison Tables Work

The use of terms such as “Best Credit Cards” and "Top Credit Cards" are not product ratings and are indicating a product selection that is in no particular order. Such products do not reflect detailed analysis of a product's competitiveness and must not be construed as such by users of this website. The use of these terms for products may not apply in relation to your personal circumstances.

Instant Approval and 60 Second Response Credit Cards

When we talk about "Instant Approval" or "60 Second Response" on our site, we are saying that when a consumer applies for a credit card, the bank may give a conditional approval decision for a card immediately as soon as the application has been completed. As with any credit contract, the usual processes are followed and all the normal credit & income checks are completed. Approval will be confirmed or rejected by the credit provider based on these checks.

The most important thing we want to say is that when the green ‘Application’ button is clicked, a consumer is redirected to that bank’s website to complete the application. It is entirely up to the bank to give the approval decision. We don’t have any control over the response time or approval decision the bank gives. And remember, eligibility and credit criteria are at play when you apply for a credit card.

Privacy Policy

Credit Card Compare is an internet entity which functions as a bridge between potential credit card applicants and various credit card issuing banks and as such we consider privacy to be an important issue. We are committed to protecting your privacy and to delivering content and technology that gives you the most powerful and secure online experience. We are also committed to keep a good credit and a high ethic standard when doing our online business. Below is an outline of our Privacy Policy.

This Privacy Policy discloses the privacy practices for Credit Card Compare. The purpose of this Privacy Policy is to inform you, as a visitor to Credit Card Compare, what kinds of information we may gather about you when you visit the site, how we may use that information, whether we disclose it to anyone, and the choices you have regarding our use of, and your ability to correct, the information.

First, like most regular business sites on the Internet, we collect traffic data. Our servers collect basic technical information including visitor's domain name, referral data, and browser and platform type using cookies. This information is analysed in aggregate and may be used to improve the user experience on our web site and in our off-site advertising. Traffic information is only given out on a need to know basis and is at times shared with advertisers.

Second, outbound links to secure online applications take you to the bank's website where your application is made. During the online application process of a person applying for a credit card, it is the bank, not Credit Card Compare, which collects and stores any personal data, such as a visitor's name, email address, income, proof of identity, proof of income and search of a person's credit file. Credit Card Compare also does not give personal financial advice to individuals. All online applications with personal data are directly taken and stored on the credit card issuer's web servers.

The use of some tools and calculators on Credit Card Compare require users to enter limited personal data. Those data used to generate calculations are stored securely and are not disclosed to any third parties.

Persons who opt-into our mailing list may receive communication from Credit Card Compare and other websites that belong to Boyd Creative Pty Ltd. However, users can unsubscribe instantly at anytime.

We may run promotions and competitions from time to time. To enter visitors are required to enter their name and subscribe to our email newsletter. Persons participating in promotions can unsubscribe instantly at anytime.

Website Tools

By using our tools and inputting your email address we will send you the results (where applicable) from the tool you used. If you do not click on the provided link within a certain time frame we may send you a follow up email with the link from the results.


With respect to security: the banks and card issuers always use industry-standard encryption technologies when transferring and receiving consumer data. For more information, or if you have questions or concerns regarding our Privacy Policy, please send an e-mail to team [at] creditcardcompare.com.au.


We take a complaint seriously, and we'll do what we can to resolve it promptly. If you wish to make complaint about the service supplied by the Credit Card Compare website there is complaints process to follow. Go to our complaints page for more details on how to complain.

User Reviews

This website encourages people to write a genuine review of their credit card as a way to improve the self-selection process for other consumers. By writing a review you agree that:

We retain the right to remove reviews for any reason. The opinions expressed about credit cards are the reviewer's alone and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.