Visa Credit Cards
Compare Visa credit card rates, fees, and features to discover the most suitable card.
By Andrew Boyd | Verified by David Boyd | Updated 11 Sep 2024
As seen on
Comparing Visa credit cards
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
Cons
On website
Balance transfer
28 months at 0.99% p.a.
Purchase rate
13.99% p.a. ongoing
Annual fee
$55.00 p.a. ongoing
Highlights
- Benefit from a 28-month 0.99% interest period on Balance Transfers, with no balance transfer fee. Afterward, it switches to a cash advance rate of 21.99% 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
Cons
On website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Annual fee
$295.00 p.a. ongoing
Highlights
- Receive up to 80,000 bonus Qantas Points upon spending $6,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- Earn 0.75 Qantas points per $1 spent on eligible transactions.
- Benefit from complimentary overseas travel insurance for up to 6 months.
Pros
Cons
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
Cons
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
Cons
On website
St.George Amplify Signature Credit Card (Amplify)
Balance transfer
N/A
Purchase rate
20.99% 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).
- Comes with complimentary overseas travel insurance coverage for up to 6 months.
Pros
Cons
On website
Balance transfer
28 months at 0.99% p.a.
Purchase rate
13.99% p.a. ongoing
Annual fee
$55.00 p.a. ongoing
Highlights
- Receive up to $500 cashback on your supermarket purchase or benefit from 0.99% interest for 28 months on Balance Transfers with a 1% balance transfer fee. Reverts to a cash advance rate of 21.99% p.a.
- Enjoy a low variable interest rate of 13.99% p.a. on purchases.
- 55 days interest-free on purchases.
Pros
Cons
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
Cons
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
Cons
On website
Balance transfer
28 months at 0.99% p.a.
Purchase rate
13.99% p.a. ongoing
Annual fee
$55.00 p.a. ongoing
Highlights
- Receive up to $500 cashback on your supermarket purchase or benefit from 0.99% interest for 28 months on Balance Transfers with no balance transfer fee. Reverts to a cash advance rate of 21.99% p.a.
- 13.99% p.a. low variable interest rate on purchases.
- Low annual fee of $55 p.a.
Pros
Cons
On website
Balance transfer
N/A
Purchase rate
20.99% 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
Cons
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 52 interest-free days.
Pros
Cons
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 52 interest-free days.
Pros
Cons
On website
Balance transfer
12 months at 0% p.a.
Purchase rate
20.74% p.a. ongoing
Annual fee
$65.00 for 1st year
Highlights
- Receive a bonus of 100,000 Q Rewards points upon spending $4,500 on eligible transactions within the initial 90 days post-approval.
- Benefit from a 0% p.a. rate on balance transfers for 12 months, with 1% 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
Cons
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.
- Comes with complimentary Qantas Frequent Flyer membership
- Includes complimentary overseas travel insurance.
Pros
Cons
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
Cons
On website
Balance transfer
N/A
Purchase rate
12.99% p.a. ongoing
Annual fee
$59.00 p.a. ongoing
Highlights
- Enjoy the advantage of a competitive 12.99% 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
Cons
On website
Balance transfer
N/A
Purchase rate
0% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
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
Cons
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. ongoing
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
Cons
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
Cons
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
Cons
On website
Balance transfer
N/A
Purchase rate
20.7% p.a. ongoing
Annual fee
$149.00 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
Cons
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
Cons
On website
Balance transfer
N/A
Purchase rate
20.7% p.a. ongoing
Annual fee
$249.00 p.a. ongoing
Highlights
- Earn 2 Macquarie Reward points per $1 spent.
- Receive up to $94 in gift cards when you spend $10,000 per month.
- Enjoy up to 4 free additional cardholders.
Pros
Cons
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
Cons
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, reverting 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
Cons
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
Cons
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
Cons
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. if you have one of their home loans.
Pros
Cons
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.
