Best Credit Cards

Compare the ¹best credit card offers in Australia for balance transfers, low rates, no fees and frequent flyer points.

Nilooka Dissanayake avatar
Written by   |  
Andrew Boyd avatar
Edited by   |  
David Boyd avatar
Verified by
Updated 13 Dec 2024   |   Rates updated regularly

Comparing of 12 of the best credit cards

Featured
Citi Rewards Card Balance Transfer and Purchase Offer

On Citi's website

Balance transfer

15 months at 0% p.a.

Purchase rate

15 months at 0% p.a.

Interest-free days

Up to 44 days on purchases

Annual fee

$199.00 p.a. ongoing

Details

  • 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.

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

Pros & cons

Pros
  • 0% p.a. on balance transfers and purchases for the first 15 months.
  • $10 monthly cashback with BINGE.
  • Receive Purchase Protection Insurance and Extended Warranty Insurance for eligible purchases.
  • Earn 1 Citi reward point for $1 spent.
  • 10% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.
Cons
  • There is a 2% BT fee.
  • Balance transfer changes to a 22.99% p.a. cash advance rate after 15 months.
  • Fee for an additional card is $90.
Citi Rewards 100,000 Bonus Citi Reward Points Offer

On Citi's website

Balance transfer

N/A

Purchase rate

22.49% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$99.00 for 1st year

Details

  • Receive 100,000 bonus Citi reward Points after spending $5,000 on eligible purchases within the initial 3 months 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.

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

Pros & cons

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 Clear Credit Card

On Citi's website

Balance transfer

24 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$49.00 for 1st year

Details

  • 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.
  • 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 insurance including Extended Warranty Insurance and Purchase Protection Insurance. See Terms and Conditions here.

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

Pros & cons

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.
  • 10% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 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.
Apply by 25 March 2025

Balance transfer

N/A

Purchase rate

N/A

Interest-free days

Up to 55 days on purchases

Annual fee

$875.00 for 1st year

Details

  • Get 250,000 bonus Membership Rewards points by applying before 25 March 2025, getting approved, and spending $12,000 on your card within the initial 3 months. Exclusive to New American Express Card Members.
  • Reduced first-year annual fee of $875 (regularly $1,750 per year).
  • Earn up to 2.25 pts per $1 spent.
  • Enjoy exclusive Platinum travel, experience, and dining privileges.

Pros & cons

Pros
  • The offer of 250,000 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.
  • Add up to 99 employee cards at no extra cost.
Cons
  • The annual fee of $1,750 p.a. after the initial year.
  • Since this is a charge card, the balance must be cleared every statement.
  • No balance transfer facility.
Bankwest Breeze Mastercard

On Bankwest's website

Balance transfer

24 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$49.00 p.a. ongoing

Details

  • Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
  • An annual fee of $49 p.a., making it an affordable option.
  • Add up to 3 additional cardholders at no extra cost.

Pros & cons

Pros
  • 0% p.a. on balance transfers for 24 months.
  • Low ongoing interest rate of 12.99% p.a. on purchases.
  • Up to 55 interest-free days on purchases.
  • As low as a $1,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • No rewards program on this card.
  • The 3% BT fee.
  • There is a 2.95% foreign transaction fee.
Bankwest Breeze Platinum Mastercard

On Bankwest's website

Balance transfer

24 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$59.00 p.a. ongoing

Details

  • Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
  • No foreign transaction fees.
  • Plus, complimentary overseas travel insurance for you and your family.

Pros & cons

Pros
  • 0% p.a. on balance transfers for 24 months.
  • Low ongoing interest rate of 12.99% p.a. on purchases.
  • Low annual fee of $59 p.a.
  • Add up to 3 additional cardholders at no extra cost.
  • Up to 55 interest-free days on purchases.
  • As low as a $6,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • No rewards program on this card.
  • There is a 3% BT fee.
  • Cash advance rate is 21.99% p.a.
Bankwest Zero Platinum Mastercard

On Bankwest's website

Balance transfer

6 months at 0% p.a.

Purchase rate

6 months at 0% p.a.

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 p.a. ongoing

Details

  • 0% p.a. for 6 months on purchases and balance transfers, with a 3% balance transfer fee. (Reverts to 18.99% p.a. thereafter.)
  • No foreign transaction fees, including when you're shopping at an overseas online store.
  • No annual fee to pay for the life of the card.
  • Put up to five eligible purchases on an interest-free payment plan with Easy Instalments.
  • Credit limits start from a minimum of $6,000.

Pros & cons

Pros
  • No annual fee makes this an option for occasional or backup use.
  • Interest-free purchases and balance transfers for 6 months.
  • No foreign transaction fees for foreign currency or overseas purchases.
  • Interest-free repayments for up to five eligible purchases with Easy Instalments.
  • Credit limits start from a minimum of $6,000.
  • Up to 55 days interest-free when you pay the statement balance in full.
  • Balance transfers revert to the purchase rate instead of the higher cash advance rate.
  • Use up to 95% of your credit limit for balance transfers.
Cons
  • There is a 3% fee on balance transfers, which can be added to the balance if desired.
  • You can't earn rewards points, but that's not unusual for a no annual fee card like this.
  • There is a $500 minimum balance transfer amount, although most people transfer more.
Bankwest Zero Mastercard

On Bankwest's website

Balance transfer

6 months at 0% p.a.

Purchase rate

6 months at 0% p.a.

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 p.a. ongoing

Details

  • No annual fee for the life of the card.
  • 0% p.a. for 6 months on purchases and transferred balances (with a 3% balance transfer fee). Returns to 18.99% p.a. thereafter.
  • Add up to 3 additional cardholders at no extra cost.

Pros & cons

Pros
  • The introductory balance transfer and purchase offers.
  • 18.99% p.a. interest rate on purchases is relatively low.
  • Up to 55 days interest-free on purchases.
  • As low as a $6,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons
  • Balance transfers incur a 3% one-off fee.
  • You cannot earn credit card points on this card.
Apply by 30 April 2025
Westpac Altitude Black Credit Card (Qantas)

On Westpac's website

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 45 days on purchases

Annual fee

$295.00 p.a. ongoing

Details

  • Receive up to 120,000 bonus Qantas Points. Get 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 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases at merchant partners like Woolworths, BP, and over 900 brands at Qantas Marketplace, helping you rack up points faster.
  • Redeem your earned points for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros & cons

Pros
  • Get up to 120,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Add 1 additional cardholder at no extra cost.
  • Includes fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.
ANZ Low Rate Credit Card

On ANZ's website

Balance transfer

28 months at 0% p.a.

Purchase rate

13.74% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 for 1st year

Details

  • 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 & cons

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 ANZ's website

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$375.00 p.a. ongoing

Details

  • 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 & cons

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.
Apply by 3 March 2025

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 p.a. ongoing

Details

  • Earn 10,000 Flybuys bonus points when you spend $3,000 on eligible purchases within 3 months from card approval. Terms and Conditions apply.
  • No annual fee ever.
  • Earn 1 Flybuys point per $2 spent on eligible purchases.

Pros & cons

Pros
  • Earn 10,000 Flybuy points when you meet the criteria.
  • Earn 0.5 points per $1 spent on domestic and international spending.
  • Get access to complimentary insurance.
  • Add up to 4 additional cardholders at no extra cost.
  • Instalment plans are available for large purchases.
  • Up to 55 interest-free days on purchases.
  • Includes Coles Shield for fraud protection.
  • Supports Apple Pay, Samsung Pay, and Google Pay.
  • Credit limit ranges from $1,000 - $100,000.
Cons
  • The ongoing interest rate of 20.74% p.a. on purchases is relatively high.
  • Transactions made in a foreign currency incur a 2.5% fee.

What is the best credit card in Australia?

Why settle for a card that’s only second best when you find the best credit card* for your wallet? Start researching and compare a selection of some of the best credit cards* on offer from major banks and small banks. This best credit card* comparison table includes balance transfer offers, low interest rates, no annual fees, rewards and frequent flyer programs.

When looking for the best credit card* on Credit Card Compare, it's important to understand the different types available and how they cater to various financial needs.

What type of credit card should you get?

When comparing to find the best credit card to suit your financial needs, it's important to understand the different types available since each has its own combination of features and benefits.

  • Balance transfer credit cards. Useful for consolidating and paying off existing credit card debt, with most offering 0% interest for a set period lasting up to 24 months or longer. Balance transfer fees may apply, and higher rates kick in after the offer period ends. Use our Balance Transfer Savings Calculator to see how much money you could save.
  • Frequent flyer credit cards. Suitable for frequent travellers or those who want to save up for flights and upgrades. most earn either Qantas Points or Velocity Points. These cards often come with additional benefits like airport lounge access and travel insurance, but annual fees and interest rates are typically higher (although there are no annual fee frequent flyer cards).
  • Low interest rate credit cards. Aimed at people who carry a balance from month to month. These cards have lower ongoing interest rates, reducing the cost of borrowing compared to standard credit cards.
  • No annual fee credit cards. Suitable if you want to save money, aren't particularly interested in high-end rewards since they typically offer fewer perks, and pay off your balance in full each month.
  • No interest credit cards. These basic no-frills cards are designed for first timers who are more used to BNPL services like Afterpay. Instead of interest, they typically charge a monthly fee instead. Great for those who want something that's very simple but will also report to credit agencies and help them build credit.
  • Premium credit cards. Gold, Platinum, and Black level credit cards cater to higher income earners and come with exclusive perks such as concierge services, luxury travel benefits, and higher earn rates for rewards points. Annual fees for these cards are higher, with the highest being for metal credit cards.
  • Rewards credit cards. Earn points on your everyday purchases, from a morning coffee to groceries. Points can be redeemed for rewards like cashback, gift cards, or for travel. Some rewards programs have transfer partners, including airlines and hotels, giving increased flexibility at the point of redemption. Annual fees and interest rates are higher with these cards.

Here’s how Credit Card Compare's expert chose their best credit card

David Boyd

With all of this advice in mind, here's Credit Card Compare co-founder David Boyd on how he chose the best credit card that suited him.

Even though I’m familiar with which cards offer the most generous rewards, standout sign-up bonuses, and useful perks, I always start by thinking about what I personally need from a credit card. Do I want a card that would be cost-effective in the long run? Do I want one that rewards everyday spending? If I do, what program do I want to earn points with?

Since I avoid carrying a balance, a competitive purchase rate wasn’t really a priority. Instead, my focus was on finding a card that rewarded my spending without unnecessarily high fees. No annual fee would be a nice bonus.

My regular expenses revolve around groceries, dining out, and some online shopping. With Coles being my go-to supermarket for groceries and household essentials, a card that could reward me for those purchases while keeping fees at bay seemed ideal.

I settled for the
Coles No Annual Fee Mastercard not only because it has no annual fee but because it earned Flybuys points. As someone who regularly shops at Coles, Flybuys offers a lot of upside potential. Those points can be redeemed for a wide range of options, but I prefer to transfer them over to Velocity Frequent Flyer for upgrades.

Expert insights: What is the best credit card this month?

While no single card is "the best" for everyone, here are some of the most popular credit cards based on clicks on our comparison tables.

  1. ANZ Rewards Black Credit Card. This card is a powerhouse for those who love earning rewards on their spending. Its sign up bonus is among the biggest, plus points can be converted to Velocity Points or KrisFlyer miles. It also includes complimentary insurances, adding extra value for globetrotters​.
  2. Westpac Altitude Black (Qantas or Velocity). Frequent flyers will love the bonus points on offer, with additional points if you continue to use the card after the first year. This card is geared toward those who travel often, offering Qantas or Velocity Points on everyday purchases​.
  3. Coles No Annual Fee Mastercard. If you want to earn rewards without paying an annual fee, this is a solid choice. You can earn Flybuys points at higher rates on eligible purchases at Coles and other partners, making it perfect for everyday grocery shoppers​.

What to consider when choosing a credit card

Ultimately, what's the "best" comes down to your personal financial situation and how you plan to use it. Whether you're a frequent flyer, a daily shopper, or someone who wants to maximise rewards, Australia has a variety of excellent credit card options to choose from in 2024. Be sure to consider what matters most to you — whether it's rewards, fees, or interest rates — before making your decision.

  • Interest rates. The interest rate impacts how much you'll pay in interest if you carry a balance on your card. Look for cards with competitive interest rates to save money. Some come with 0% on purchases for an introductory period.
  • Fees. Annual fees, late payment fees, balance transfer fees, and foreign transaction fees all add up. Choose a card with fees that align with your budget and your spending patterns.
  • Rewards and benefits. Evaluate the rewards structure of the credit card to determine if it aligns with your preferences. Consider whether you prefer cashback, travel rewards, points for specific retailers, or other benefits like insurance coverage and extended warranties. And would you prefer to earn points with an airline (Qantas or Virgin Australia) or points that can be transferred to several airline or hotel partners?
  • Credit limit. A card's credit limit dictates how much you can spend on the card. Particularly relevant if you want to spend a lot to maximise rewards or need to balance transfer a large amount of debt onto one card.
  • Eligibility criteria. Check the minimum income requirements, accepted residency status, and your credit report. Make sure you meet the criteria before applying to increase your chances of approval.

Help choosing the best credit card*

Learn more about selecting the best credit credit that aligns with your lifestyle, financial goals, and preferences.

  • FAQs

  • Why trust us

Which credit card has the highest acceptance across Australia?

Visa and Mastercard tend to enjoy the widest acceptance across retailers in Australia, mate. From shops to restaurants to paying for things online, you'll usually have no worries using them. Their broad coverage makes them a pretty reliable choice here.

Which credit card is best suited for international travel?

For travel overseas, cards that don't charge foreign transaction fees can save you a bit. Those that also chuck in some nice travel rewards like points for flights and hotels are usually tops as well. As Visa and Mastercard are typically accepted worldwide, they're also convenient options when venturing abroad.

Is it advisable to apply for a credit card through your current bank or explore options with other lenders?

Applying through your current bank could score some pre-approval perks, which is handy. But having a squiz at what other lenders are offering might uncover lower interest rates or better rewards that could work out better for you. Taking the time to compare could help you find the best fit.

What options exist for the most cost-effective credit card?

If keeping your costs down is key, target cards with competitive interest rates, low or no annual fees, and no nasty hidden charges. Knowing your spending patterns can help pick one that saves you the most on fees and interest.

What's the verdict: Rewards credit cards or frequent flyer credit cards?

Whether frequent flyer or generic rewards cards are best really depends on your spending and travel preferences. If you fly a specific airline all the time, their card can rack up extra miles. But a general rewards card gives you more flexibility in how you use your points.

Which is more advantageous: A credit card with a low interest rate or one with no annual fee?

This one comes down to how you'll use the card. If you expect to carry a balance, a low ongoing interest rate should be the priority to minimize what you pay. But if you pay it off each month, one without an annual fee can provide longer term savings.

What's the smarter choice: A credit card offering 0% on balance transfers or a personal loan?

For short term debt management, the 0% balance transfer card could work out cheaper as you avoid paying interest initially. But if it's a larger amount or you want longer to pay it down, a personal loan could allow you to consolidate debts and extend the repayment period.

How do no interest, flat monthly fee cards compare to buy now, pay later plans?

The predictable payment structure of no interest, flat monthly fee cards can make budgeting easier. But if short term flexibility is more valuable, buy now pay later options let you defer payments interest free, handy if cashflow varies.

What constitutes an excellent first-time credit card?

An ideal first card might have low fees, a reasonable credit limit, and education to help people new to credit learn the ropes. Extras like credit monitoring and incentives for responsible use provide great additional value.

How long does it take to get approved for a credit card?

The approval timeline for a credit card application can vary depending on the issuer's processing procedures. In some cases, you may receive an instant approval decision, while in others, it may take a few days to weeks for the issuer to review your application and make a decision.

Methodology

We considered the following attributes and associated metadata when ranking our comparison of the best credit cards.

  • Additional cardholders: If the card supports additional cardholders, how many, and the cost per additional cardholder.
  • Airport lounge access included: Whether the card comes with airport lounge passes or lounge network membership and any limitations on use.
  • Annual fee initial year: The first year’s annual card fee charge, which some cards waive. Lower is better or no annual fee at all.
  • Annual fee ongoing: If there is an ongoing annual fee and much is charged each subsequent year to keep the account open. Lower is better.
  • Apple Pay enabled: Support for Apple Pay, which is considered beneficial.
  • Balance transfer offer: If there is an introductory balance transfer offer and what its rate, period, and fee are. Lower rates for longer periods are considered better.
  • Cash advance rate: What the interest rate is on cash advances — and cash equivalent transactions classified as cash advances — and associated fees. Lower is better.
  • Card type: Whether the card runs on American Express, Mastercard, Visa, or other network. This can affect where the card can be used and surcharges.
  • Foreign exchange fee: If there is a fee incurred to convert foreign currency transactions whether made while overseas or from overseas stores and suppliers. Lower is better.
  • Interest-free period: The number of interest-free days available. Longer is better.
  • Introductory purchase rate: If there is an introductory purchase rate offer and what its rate and period are. Lower rates for longer periods are considered better.
  • Late payment fee: What the fee is when payments are late. Lower is better.
  • Maximum credit limit: The highest credit limit offered, if publicised by the bank.
  • Minimum credit limit: The lowest credit limit offered, if publicised by the bank.
  • Minimum income required: How much income is required as a minimum under the card's eligibility criteria. Lower thresholds increase accessibility to credit.
  • Purchase rate ongoing: How much interest is charged on balances that are carried over. Lower ongoing rates are considered better.
  • Rewards program: Whether the card earns rewards (points, cashback, etc. per dollar spent), the flexibility of rewards, and their value.
  • Samsung Pay enabled: Support for Samsung Pay, which is considered beneficial.
  • Sign-up bonus: Whether the card has a sign-up bonus of points, cashback, vouchers, etc. and its qualifying criteria. A sign-up bonus is considered beneficial.
  • Target market: Whether the card is designed for businesses or consumers.
  • Travel insurance: Whether the card comes with complimentary travel insurance, whether it covers domestic, overseas, or global travel, who it covers, and the level of protection.

Our rankings may not reflect what matters most to you. Be sure to compare key rates, fees, and features against your own financial priorities before deciding.

Sources

  1. Australian loyalty schemes: a Loyalty & Reward Co report for the ACCC — APO
  2. Credit scores and credit reports – Moneysmart
  3. Credit card balance transfers – Moneysmart
  4. Credit card debt-free repayment calculator — Credit Card Compare
  5. Credit card lending in Australia — APO
  6. Credit card minimum repayment only calculator — Credit Card Compare
  7. Developments in the card payments market — RBA
  8. Loans and credit cards – ASIC
  9. Managing debt – Moneysmart
  10. Number of credit cards in use in Australia — Statista
  11. Payments data – RBA
  12. Responsible lending — ASIC

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