Visa credit cards – compare Australian cards that use the Visa network

You can get a Visa credit card from big banks like NAB, ANZ, St.George, Virgin Money, Suncorp, HSBC and more.

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Product Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
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 2% balance transfer fee, then 21.99%
Annual fee
$55
Get a 0% p.a. interest rate on balance transfers for 24 months (with a one-time 2% balance transfer fee).
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ANZ Platinum Credit Card
ANZ Platinum Credit Card image
Purchase rate p.a.
20.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
21.99% with 3% balance transfer fee
Annual fee
$0 first year ($87 after)
Get $100 back on your card when you spend $2,000 on eligible purchases in the first 3 months and a $0 first-year annual fee. Plus, complimentary overseas travel insurance.
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Virgin Money Anytime Rewards Credit Card
Virgin Money Rewards
Virgin Money Anytime Rewards Credit Card image
Purchase rate p.a.
19.99%
Bonus points
80,000
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 12 months with 0% balance transfer fee, then 20.99%
Annual fee
$149
Offers 80,000 bonus Virgin Money Points (worth $400 in gift cards) when you spend $3,000 or more on eligible purchases in the first 3 months.
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Kogan Money Credit Card - Balance Transfer Exclusive Offer
ExclusiveKogan Rewards Program
Kogan Money Credit Card - Balance Transfer Exclusive Offer image
Purchase rate p.a.
21.99%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 18 months with 2% balance transfer fee, then 22.74%
Annual fee
$0
Finder Exclusive: Save with 0% p.a. for the first 18 months on balance transfers (with a one-time 2% balance transfer fee).
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ANZ Rewards Black Credit Card
Finder AwardANZ Rewards Program
ANZ Rewards Black Credit Card image
Purchase rate p.a.
20.99%
Bonus points
160,000
Points per $ spent
2
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$375
Earn up to 160,000 bonus ANZ Rewards Points: 110,000 points + $100 back when you spend $5,000 in the first 3 months from approval, and 50,000 points when you keep your card open for 15 months.
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NAB Rewards Platinum Card
Most LovedNAB Rewards
NAB Rewards Platinum Card image
Purchase rate p.a.
20.99%
Bonus points
100,000
Points per $ spent
1
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 12 months with 3% balance transfer fee, then 21.74%
Annual fee
$195
Get up to 100,000 bonus NAB Rewards Points (worth $480 in eGift cards): 80,000 points when you spend $1,000 in the first 60 days and 20,000 after 12 months.
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Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Frequent Flyer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer image
Purchase rate p.a.
20.74%
Bonus points
N/A
Points per $ spent
0.66
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 24 months with 1% balance transfer fee, then 20.99%
Annual fee
$149
Get 0% p.a. on balance transfers for 24 months (with 1% BT fee) and $129 Virgin Australia Gift Voucher.
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Virgin Money Anytime Rewards Credit Card - Balance Transfer Offer
Virgin Money Rewards
Virgin Money Anytime Rewards Credit Card - Balance Transfer Offer image
Purchase rate p.a.
19.99%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months with 1% balance transfer fee, then 20.99%
Annual fee
$149
Save with a 0% balance transfer offer for 24 months (with a one-time 1% BT fee).
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St.George Vertigo Card - Cashback Offer
St.George Vertigo Card - Cashback Offer image
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.
6.99% for 12 months with 0% balance transfer fee, then 21.99%
Annual fee
$55
Get up to $500 cashback at eligible supermarkets and petrol stations in the first 180 days. Plus, a low interest rate for purchases.
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ANZ Low Rate - Credit Back Offer
ANZ Low Rate - Credit Back Offer 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.
21.99%
Annual fee
$58
Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.
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St.George Amplify Signature
Amplify Rewards
St.George Amplify Signature image
Purchase rate p.a.
20.99%
Bonus points
180,000
Points per $ spent
1.5
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$199 first year ($295 after)
Up to 180,000 bonus Amplify Points (130,000 points when you spend $12,000 in the first year of card approval & an extra 50,000 points after the first eligible spend the following year). Plus, a $199 first-year annual fee.
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ANZ Business Black
ANZ Rewards Program
ANZ Business Black image
Purchase rate p.a.
20.24%
Bonus points
150,000
Points per $ spent
1.5
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$375
ABN holders w/ $75k revenue. Earn up to 150,000 extra ANZ Reward Points when you meet the spend requirements (worth over $500 digital gift card) and 24/7 access to ANZ Global Business Concierge.
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NAB Rewards Platinum Card – Velocity Points
Most LovedVelocity Frequent Flyer
NAB Rewards Platinum Card – Velocity Points image
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 3% balance transfer fee, then 21.74%
Annual fee
$95 first year ($195 after)
Get up to 80,000 bonus Velocity Points: 60,000 points when you spend $1,000 in the first 60 days and 20,000 after 12 months. Ends 31 July 2025.
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ANZ Rewards Platinum
ANZ Rewards Program
ANZ Rewards Platinum image
Purchase rate p.a.
20.99%
Bonus points
100,000
Points per $ spent
1.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
21.99%
Annual fee
$149
Get 100,000 bonus ANZ Reward Points (worth $440 in eGift cards) and $50 back when you spend $2,000 on eligible purchases in the first 3 months.
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NAB Low Rate - Cashback Offer
Most Loved
NAB Low Rate - Cashback Offer 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 12 months with 3% balance transfer fee, then 21.74%
Annual fee
$59
Offers $400 cashback when you spend $5,000 on everyday purchases within the first 150 days.
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What are Visa credit cards?

Visa is an electronic payment network used by many banks and credit card companies.

Like Mastercard (and unlike American Express), Visa doesn't issue credit cards itself. You get a credit card issued by your bank or credit card company, and many of them use Visa's network.

But cards on the Visa network do benefit from Visa features, like Zero Liability protection, security and fraud protection, and contactless payment technology.

Tell me more about Visa

Visa was launched by Bank of America in 1958 as the BankAmericard credit card program. Eventually this program was licensed across the globe and was consolidated into the Visa corporation in 1976.

Today Visa operates in over 200 countries. In 2024 the Visa network processed 234 billion in transactions.

What benefits can I get with a Visa credit card?

  • 24/7 customer service. Visa offers a Global Customer Assistance Service so you can report lost and stolen cards from anywhere in the world.
  • Contactless and mobile payments. Visa credit cards in Australia offer tap-and-go payments, as well as insert or swipe options at the checkout. You also won't need to enter a PIN if your contactless card purchase is less than $200. Many Visa credit cards can also be added to digital wallets including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.
  • Visa Checkout. If you sign up to Visa Checkout, this service will securely save your payment and shipping information for online shopping with partnered merchants.
  • Visa Secure (formerly Verified by Visa). This security service adds an extra verification step for online transactions. As an example, you might be asked to enter an SMS code, confirm your date of birth or answer a security question before the payment is processed.
  • Visa Offers + Perks. A Visa card gives you access to exclusive discounts and deals with partnered brands such as Booking.com, THE ICONIC and Hertz. A Visa card also gives you access to limited-time ticket offers, movie competitions and other entertainment deals.
  • Complimentary insurance cover. Some Visa credit cards come with complimentary insurance covers, such as international travel insurance, purchase cover insurance, and extended warranty insurance.

Premium card benefits

The more premium Visa cards, such as Platinum, Signature and Infinite cards offer more perks and benefits:

  • Concierge service. A platinum Visa credit card (and other premium options) often gives you access to a 24/7 global concierge service. You can contact your concierge on 1800 639 607 within Australia for anything from booking restaurant reservations or scoring tickets to a concert to sending flowers to a loved one.
  • Visa Premium. If you have a Visa Platinum, Signature or Infinite credit card, you can enjoy exclusive travel and lifestyle benefits all around the world through this exclusive service.
  • Visa Offers + Perks. The higher end Visa cards also get more luxurious upgrades and special offers.

Which Australian banks use Visa?

  • Bank Australia
  • BankSA
  • Bank of Melbourne
  • BOQ
  • Greater Bank
  • Heritage Bank
  • ING
  • Kogan Money
  • Latitude Financial Services
  • Suncorp
  • Virgin Money

Should I go with Visa or Mastercard? Does it matter?

Both Visa and Mastercard offer 24/7 customer support, security and fraud monitoring features, zero liability protection for unauthorised transactions.

With Visa's contactless card payments you don't need to enter a PIN for transactions of $200 or less. With Mastercard you need to enter a PIN on transactions above $100.

Richard Whitten's headshot
Our expert says: Does the card network matter?

"While there are still a few places that don't accept American Express cards, there's really not much difference between a Visa or Mastercard credit card. Both offer very comparable fraud monitoring and protections. The real difference comes in the rates, rewards fees and features of a specific card. That's what you should look at first."

Money Editor

How can I compare Visa credit cards?

  • Annual fees. Most credit cards charge an annual fee. For this fee typically ranges from $50 to $400. There are also some Visa credit cards that have no annual fee, either for a promotional period or for the life of the card. You can weigh this cost against the card's features to help find one that's affordable for you.
  • Interest rates. If you don't always pay your balance in full, you should compare Visa cards by the standard purchase rate. Some Visa cards offer introductory 0% interest rates, which can help you save on interest costs.
  • Foreign transaction fees. Most credit cards charge a fee worth 2–3.5% of the total of any transactions you make overseas (or by shopping online) in a foreign currency.
  • Rewards. Some Visa credit cards come linked to rewards and frequent flyer programs, allowing you to earn points as you spend. If you're a regular spender and pay your balance in full, a rewards credit card can be a useful way to get more value from your Visa card.

Visa credit card frequently asked questions

Amy Bradney-George's headshot
Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise
Amy has written 543 Finder guides across topics including:
  • Credit cards
  • Frequent flyer
  • Credit score
  • BNPL
  • Money management
  • Sustainability
Richard Whitten's headshot
Co-written by

Money Editor

Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 609 Finder guides across topics including:
  • Home loans
  • Property
  • Personal finance
  • Money-saving tips
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61 Responses

    Default Gravatar
    DaveOctober 23, 2014

    I have an Australian Visa credit card issued through a Mutual Bank. If I use this card in the UK, what are the charges? Where do I find the currency rate for that particular day and is there a buying and selling price.

      AvatarFinder
      ElizabethOctober 24, 2014Finder

      Hi Dave,

      Thanks for the question.

      The charges depend on the particular card you have, but generally you will be charged a foreign currency conversion fee for purchases which is around 2-3% of the purchase amount. You may also be charged overseas ATM fees and other overseas charges, which you can find out from your Mutual Bank. Foreign exchange rates are usually listed by banks on their website.

      I hope this has helped.

      Thanks,

      Elizabeth

    Default Gravatar
    ToddOctober 18, 2014

    I own a relatively new construction company, with only 6 months trading history. I’m looking for the best deal to suit a new company, with the ability to have up to 8 credit cards (only need 3 currently). I’d like to have at 55 day interest free period on transactions. What can you recommend.

      AvatarFinder
      ElizabethOctober 20, 2014Finder

      Hi Todd,

      Thanks for your question.

      You can compare a range of business credit cards, charge cards and lines of credit. Currently, only the Commonwealth Bank credit cards in that table allow for up to 55 days interest-free, with the American Express cards offering up to 51 days interest-free and the Westpac cards offering 45 days interest-free. You can have a look at the individual cards to see the one that best suits your needs, with the reviews listing information regarding supplementary cardholders, etc. You also have the option of taking out a non-business credit card that offers up to 55-days interest-free and supplementary cardholders.

      I hope this has helped.

      Thanks,

      Elizabeth

    Default Gravatar
    NeilSeptember 16, 2014

    I am trying to make a payment to my Fiancée via Western Union… It failed last night and it failed again today

    VBV001 is the code I get..

    Can someone please explain???

      AvatarFinder
      ShirleySeptember 17, 2014Finder

      Hi Neil,

      Thanks for your question.

      Please get in touch with Western Union directly to troubleshoot the problem.

      Cheers,
      Shirley

    Default Gravatar
    JohJuly 25, 2014

    I am looking for a card that I can have multiple supplementary cards . I don’t mind being personally responsible for the debt or my company but I must have at least 15

      AvatarFinder
      ShirleyJuly 25, 2014Finder

      Hi Joh,

      Thanks for your question.

      According to our database the following cards that allow you to have more than 15 additional cardholder at no extra charge:
      -St.George Vertigo Visa
      -Bankwest Zero Platinum MasterCard
      -ANZ Balance Visa
      -Citibank Clear Platinum Card

      Cards outside of this may charge an fee for a additional cardholders over a certain threshold.

      Cheers,
      Shirley

    Default Gravatar
    graceMay 20, 2014

    Im looking bto buy tickets for Queen concerts I need either a visa credit or debit card asap please…

      AvatarFinder
      ShirleyMay 22, 2014Finder

      Hi Grace,

      Thanks for your question.

      Please compare our credit and debit cards and if you’ve found one you’d like to apply for, please click on the ‘apply now’ button to be safely redirected to the application page.

      Cheers,
      Shirley

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