Credit card comparison Australia

Compare 250+ cards — rates, points, fees and offers updated daily.

Compare these credit card brands & more

1 - 10 of 255
Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Qantas Premier Platinum
Qantas Premier Platinum image
Qantas Frequent Flyer
Purchase rate p.a.
20.99%
Bonus points
80,000
Points per $ spent
1
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 12 months with 2% balance transfer fee, then 21.99%
Annual fee
$349 first year ($399 after)
Go to siteMore Info
Limited time offer: Earn up to 80,000 bonus Qantas Points and a $100 Qantas Hotels and Holidays voucher on eligible spend. Plus, save with a reduced first-year annual fee and 0% balance transfer offer.
Qantas American Express Ultimate Card
Qantas American Express Ultimate Card image
Finder Award
Qantas Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
100,000
Points per $ spent
1.25
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$450
Go to siteMore Info
Limited time offer: Get a yearly $450 Travel Credit and 100,000 bonus Qantas Points when you spend $5,000 on eligible purchases in the first 3 months.
American Express Velocity Platinum Card
American Express Velocity Platinum Card image
Velocity Frequent Flyer
Purchase rate p.a.
23.99%
Bonus points
100,000
Points per $ spent
1.25
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$440
Go to siteMore Info
Limited time offer: Enjoy 100,000 bonus Velocity Points, up to 100 bonus Status Credits and up to 2.25 Velocity Points per $1 spent. Plus, a return domestic flight each year.
Bankwest Breeze Platinum Mastercard
Bankwest Breeze Platinum Mastercard image
Finder Award
Purchase rate p.a.
12.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months with 3% balance transfer fee, then 12.99%
Annual fee
$59
Go to siteMore Info
Get 0% p.a. interest on balance transfers for 24 months (with a 3% BT fee). Plus 0% foreign fees and complimentary overseas travel insurance.
St.George Vertigo Card
St.George Vertigo Card image
Finder Award
Purchase rate p.a.
13.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months with 1% balance transfer fee, then 21.99%
Annual fee
$55
Go to siteMore Info
Get a 0% p.a. interest rate on balance transfers for 24 months (with a one-time 1% balance transfer fee).
Kogan Money Credit Card - Purchase Rate Offer
Kogan Money Credit Card - Purchase Rate Offer image
Kogan Rewards Program
Purchase rate p.a.
9.99% for 9 months, then 21.99%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$0
Go to siteMore Info
Save with 9.99% p.a. on purchases for the first 9 months, plus, an ongoing $0 annual fee.
Westpac Low Rate Card
Westpac Low Rate Card image
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 26 months with 2% balance transfer fee, then 21.99%
Annual fee
$59
Go to siteMore Info
Save with a 0% p.a. interest rate on balance transfers for 26 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.
ANZ Rewards Black Credit Card
ANZ Rewards Black Credit Card image
Finder Award
ANZ Rewards Program
Purchase rate p.a.
20.99%
Bonus points
180,000
Points per $ spent
2
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$375
Go to siteMore Info
Get 180,000 bonus ANZ Reward Points (worth $800+ in digital gift cards) and $150 back when you spend $3,000 in the first 3 months.
NAB Low Rate Credit Card
NAB Low Rate Credit Card image
Purchase rate p.a.
13.49%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months with 3% balance transfer fee, then 21.74%
Annual fee
$59
Go to siteMore Info
Get a 0% p.a. interest rate on balance transfers for the first 24 months (with a 3% BT fee).
Bankwest Breeze Classic Mastercard
Bankwest Breeze Classic Mastercard image
Purchase rate p.a.
12.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months with 3% balance transfer fee, then 12.99%
Annual fee
$49
Go to siteMore Info
Save with 0% p.a. on balance transfers for 24 months (with a 3% BT fee).
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Find some of the terms in this table confusing? Jump down to our glossary to learn about key features and how to compare credit cards.

What is a credit card?

A credit card lets you spend money that you can pay back over time, usually with interest.

Unlike a debit card – where you need money in the bank – a credit card gives you a set amount you can spend (or borrow), known as your credit limit. You also get regular statements (usually monthly) and need to make repayments by the due date on them.

In Australia, you must be at least 18 years old to apply for a credit card in your name.

Want more details? Check out Finder's guide to how credit cards work.

Sarah Megginson's headshot
Our expert says

"When comparing credit cards, decide what's most important to you. Is it a low interest rate? Low annual fee? Bonus frequent flyer points? Maybe a balance transfer deal? For instance, I pay my balance in full each month, so I ignore the interest rates and don’t look at balance transfer offers. Instead, I aim to find cards with a great points earning rate. Knowing exactly what you want, makes it easier to find the right card for you."

Head of editorial

What types of credit cards are there?

There are 5 main types of credit cards. Every card is slightly different, so you should compare credit cards to find the best credit card that has the features that matter to you.

Card typePrincipal useProsCons
Pay off existing debt with no / low interest
Save money on interest and pay down debt faster
Minimal perks and no interest-free days on new purchases
Earn points on your spending
Get rewarded for money you’d spend anyway
High interest rates & annual fees
Credit without an upfront cost
Costs nothing if you pay it off in full or don’t use it at all
Minimal perks and higher interest rates
Pay off purchases over time while paying less interest
Saves you money if you carry a balance from month to month
Minimal perks
Managing cash flow and separating spending
Offer distinct features for business (like accounting feeds)
Stricter eligibility requirements

How to compare credit cards

Here's a breakdown of features and charges you should look at when doing a credit card comparison.

  1. Find the right type of card. Want Qantas Points? Get a frequent flyer card that lets you earn points when you spend. Need a simple, cheap card for everyday spending? Look at low rate or no annual fee cards.
  2. Look at the purchase rate. Credit cards charge high interest rates. But only if you don't pay the card off on time.
  3. Don't forget the annual fee. Most cards charge a yearly fee. It can be as low as $50 or as high as $400 for a fancy card with lots of perks and benefits. There are some cards with annual fees that cost over $1,000!
  4. Count your interest free days. One of the best features of a credit card, interest-free days let you buy something today and pay no interest for up to 55 days. How it actually works in practice is a little complicated though.
  5. Look at all the perks and benefits the card offers. Some credit cards give you reward or frequent flyer points, purchase protection or complimentary travel insurance, cashback on your spending or other rewards. The more perks a card offers the higher the annual fee. So if you don't use them, you're wasting money.

Credit cards 101

There are lots of confusing terms in credit card land. Here's a quick explainer:

  • Balance transfer rate. The interest rate you'll pay if you transfer a balance from one card to another. Most introductory offers are for 0% p.a. on your balance, but you may pay a one-time fee.
  • Cash advances. Try not to withdraw cash from an ATM or use your card to gamble or buy foreign currencies. These transactions are considered cash advances and they come with a fee plus a higher interest rate (which you get charged immediately).
  • Credit card network. The payment system that processes all your credit card transactions. In Australia most cards are either Visa, Mastercard or American Express.
  • Foreign transaction fees. This is the fee you'll be charged on purchases made in a foreign currency overseas or online. Some cards have 0% foreign fees.
  • Minimum repayment. You can repay all your card spending each month. Or you can pay it off slowly (and get charged interest). The minimum repayment is the lowest amount you must pay by the due date. Miss this, and you'll get charged a fee.

Finder survey: How old are Australians when they get their first credit card?

Response
18-2231.63%
23-2728.21%
I’ve never had a credit card14.73%
28-3212.94%
33-408%
41-502.7%
50+1.8%
Source: Finder survey by Pure Profile of 1113 Australians, December 2023
Angel Zhong's headshot
Expert insight: Why credit card records matter

"Maintaining these records helps you track your spending, verify transactions, and catch any errors or fraudulent activities promptly. They are also useful for budgeting, filing taxes, and providing proof of purchase or payment if disputes arise. Keeping organised and accessible records of your statements, whether in digital or paper form, ensures you have a comprehensive financial history that can be referenced whenever necessary."

Professor, RMIT

Pros & cons of credit cards

Pros

  • Flexibility. If you have a big purchase to make, a credit card can be a financial "buffer" – letting you buy it and then repay it over time. If it’s used wisely, it can be interest free.
  • Convenience. Credit cards allow you to buy what you need, when you need it. You can use them to shop in-store, online and overseas, with security features to protect against fraud.
  • Rewards. Everyone loves perks. A credit card can help you get frequent flyer points, cashback on your groceries, flight upgrades or even gift cards.

Cons

  • Debt. Credit card interest adds up quickly if you don't pay your balance on time, which could cost you hundreds (or thousands) of dollars and take a long time to pay back.
  • Can be expensive. The average interest rate for an Australian credit card is around 20%, RBA stats show. In comparison, the average interest rate for a variable rate personal loan is 14.41%.
  • Sneaky fees and surcharges. Some businesses add a surcharge to credit card payments, which can be 1–2% of the total purchase cost.

Bottom line? Credit cards have a mix of great perks and understandable risks. A good rule of thumb is to compare credit cards to ensure you get one with the features you need, while having a plan for paying it off and using the benefits.

What's happening in credit cards in January 2025?

EXPERTREVIEW

By Finder's money editor, Richard Whitten.

Australians spent $429 billion on their credit cards in the last 12 months, according to the latest figures. The average credit card balance is $3,348 per card.

Most of us are paying off our card balances on time. The average balance accruing interest (meaning cards that aren't paid off in full before interest charges kick in) is $1,578. Back in late 2019, by contrast, the average unpaid card balance was over $3,000.

In January Finder announced its 2025 Credit Card Award winners. The awards recognised the top credit cards in 15 categories from a total list of 262 Australian credit cards.

Did you know? Finder research shows the average Australian with a credit card could save $222 over 32 months by switching cards.

Have questions about credit cards? We have answers

Why you can trust our credit card experts

helpObsessed with perks - we nerd out over points, rates & prizes - our editors spend hours (ok, days) crunching 250+ cards every single month. We even give them a simple score out of 10 if you just want the easy life.
freeNo two cards the same - different cards are great for different things (and some are just junk). That's why we track and score every type of card from balance tranfers to rewards, cashback to low interest - so you don't waste a cent.
independentNo BS - We're not owned by a bank, we don't have a call centre. Our only mission is to match you with the card of your dreams. Whether it's your first card, or you're a points ninja - we got you.


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To make sure you get accurate and helpful information, this guide has been edited by Sarah Megginson as part of our fact-checking process.
Richard Whitten's headshot
Editor

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for over 7 years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification. See full bio

Richard's expertise
Richard has written 582 Finder guides across topics including:
  • Home loans
  • Property
  • Personal finance
  • Money-saving tips
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Co-written by

Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

Amy's expertise
Amy has written 557 Finder guides across topics including:
  • Credit cards
  • Frequent flyer
  • Credit score
  • BNPL
  • Money management
  • Sustainability

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123 Responses

    Default Gravatar
    CesarDecember 2, 2024

    Looking for small amount credit card

      AvatarFinder
      RichardDecember 3, 2024Finder

      Hello Cesar,

      You might want to look at a low rate credit card. Many of these cards are available with credit limits as low as $500 or $1,000.

    Default Gravatar
    GARDENNovember 30, 2024

    How to benefit when my primary physical address business and operation are in South Africa

      AvatarFinder
      AngusDecember 2, 2024Finder

      Hi, Cards offered from Australia won’t be available for South Africa – you’ll need to look elsewhere.

    Default Gravatar
    DouglasNovember 17, 2024

    What amount is given with good credit score of 887

      AvatarFinder
      RichardNovember 18, 2024Finder

      Hi Douglas,

      It really depends on multiple factors, not just your credit score. Your income, monthly spending and other debts you have all affect your approved credit limit.

    Default Gravatar
    DanielleOctober 5, 2024

    A card that dosnt have large fees

    Default Gravatar
    DennisSeptember 5, 2024

    Hi, i have an existing “FPO” on my ready credit card, and i paid half way off of the contract term. And now they are offering me another “FPO” on the amount that i have already paid off. I wanted to take it, because the interest is low and i need some money. How the payment should be, is it going to combine or separate payment? Thank you.

      AvatarFinder
      SarahSeptember 9, 2024Finder

      Hi Dennis,

      Yes, they would set up a brand new flexible payment option on your account, and you’ll have two seperate payment plans set up.

      Hope this helps!

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