The Finder Credit Card Awards 2024 recognises Australia's best credit cards. Using 12 months of market data and a robust methodology, Finder's experts analyse the rates, fees, rewards and offer details for every personal and business credit card in our database to determine the best credit cards in 12 categories. This gives you a benchmark when you want to compare and find a new card.
The Virgin Australia Velocity Flyer Card consistently had a competitive balance transfer offer during the period of analysis. This included a 0% balance transfer interest rate for 24 months, with no balance transfer fee and no annual fee in the first year (then $129 per year). This card also accepts balance transfers from personal loans as well as cards, while many other credit cards only accept card debt.
Highly commended
This Bankwest credit card scored highly for the length of its 0% balance transfer offer and for its revert rate, currently 14.99%. Its ongoing $0 annual fee also gives people a way to save on account costs. But there was also a balance transfer fee during the period of analysis, which influenced the scoring.
The NAB Low Rate Card offered a very competitive long-term 0% balance transfer offer for the period analysed. A previous winner in this category, it also scored highly for its low purchase rate and relatively low annual fee.
The Bankwest Zero Platinum Mastercard won the 2024 Finder Award for Best Travel Credit Card. It still offers no foreign transaction fees and a competitive 14.99% purchase rate, but since awards judging the card has removed complimentary overseas travel insurance.
Highly commended
The Bendigo Bank Ready Credit Card scored highly for its 0% foreign transaction fees, complimentary travel insurance and ongoing $0 annual fee. As well as a 19.99% purchase rate and $5 overseas ATM withdrawal fee during the analysis period, it offers worldwide Mastercard acceptance.
The NAB StraightUp Card is a finalist in this category for the second year in a row, with 0% foreign transaction fees and a flat, monthly fee instead of interest charges. The monthly fee is also waived if there's no balance and no spending in a statement period, which makes it a low-cost alternative to both traditional credit cards and buy now pay later accounts.
The ANZ Frequent Flyer Black has been named the Best Frequent Flyer Credit Card – Qantas for the third year in a row. It consistently offered big bonus Qantas Points offers during the period of analysis. It also scored highly for its earn rate of 1 Qantas Point per $1 for the first $7,500 of eligible spending in each statement period and 0.5 points per $1 after that. Other benefits include Qantas Club lounge invitations each year and travel insurance.
Highly commended
The Qantas Premier Platinum offered competitive bonus Qantas Points offers during period of analysis for this award. It also scored highly for the Qantas Points earned per $1 spent and yearly Qantas Club lounge invitations. Other benefits include a Qantas companion flight offer each year and complimentary insurance.
The NAB Qantas Rewards Signature Card had a competitive bonus Qantas Points and reduced first-year annual fee offer during the period of analysis. It also scored well for its Qantas Point earn rates of between 0.5 and 1 Qantas Point per $1 on eligible spending.
The Virgin Australia Velocity High Flyer Card is the Best Frequent Flyer Credit Card – Velocity in the 2024 Finder Credit Card Awards. It scored highly for its bonus points offer during the period of analysis, as well as for its earn rate of 1 point per $1 on eligible purchases up to $8,000 per month, then 0.5 points per $1 spent. It also offers lounge passes, a yearly $129 Virgin Australia flight voucher and complimentary international travel insurance.
Highly commended
The Westpac Altitude Velocity Black had one of the biggest bonus Velocity Points offers during the analysis period for the 2024 Finder Credit Card Awards. It also offers 0.75 Velocity Points per $1 uncapped and lounge passes. Other perks include Economy X seat upgrades and complimentary travel insurance.
The American Express Velocity Platinum Credit Card has the highest Velocity Points earn rate in Australia, at 1.25 points per $1 spent. It also scored well for bonus points during the analysis period and offers up to 4 lounge passes per year. Other perks include a complimentary annual domestic flight and complimentary insurance.
Illawarra Credit Union has won the 2024 Finder Award for Best Low Rate Credit Card, after being a finalist in 2023. It scored highly for its Low Rate Credit Card's 8.99% interest rate on purchases and $0 first-year annual fee. The $50 annual fee that applies after the first year is also competitive with other low rate credit cards on the market in Australia. As a credit union, it's owned by members and can pass on profits in the form of competitive products – including the Illawarra Credit Union Low Rate Credit Card.
Highly commended
The Community First Low Rate Credit Card offers an 8.99% interest rate for purchases, a low $40 annual fee and up to 55 days interest-free for purchases when you pay the total amount listed on each statement by the due date. It was also a finalist in this category in 2023 and is another member-owned financial institution.
The MOVE Bank Low Rate Credit Card had strong scores for its 8.99% purchase rate and $0 first-year annual fee during the analysis period. Its $59 annual fee after the first year is also relatively low. Like the winner and other highly commended card in this category for 2024, MOVE Bank is member-owned.
The American Express Low Rate Credit Card has won the 2024 Finder Award for Best No Annual Fee Credit Card again. It has won this award every year since 2020, scoring highly for its $0 annual fee, low interest rate for purchases and interest-free days. It also offers $0 additional cardholder fees and access to Amex Offers.
Highly commended
The Heritage Bank Gold Low Rate Credit Card scored highly for its low 11.8% interest rate, which gives people another way to save on credit card costs. With an ongoing $0 annual fee, it was also a finalist in this category in 2023. But unlike the other finalists, it does not offer interest-free days.
The Hume Value Visa has been recognised as a finalist in this category for the third year in a row. As well as a $0 annual fee, it scores well for its low 11.95% interest rate for purchases and interest-free days.
The ANZ Rewards Black Credit Card has been recognised as the Best Rewards Credit Card in the 2024 Finder Credit Card Awards. It scored highly for its big bonus points offer during the analysis period and has a high earn rate of 2 points per $1 on eligible spending. It also offers complimentary travel insurance.
Highly commended
The Coles Rewards Mastercard scored well for its bonus points offers and earn rate. It earns 2 Flybuys points per $1 on eligible spending up to $3,000 in a statement period and 1 point per $1 after that. Its $99 annual fee is also competitive for a card in this category.
The St.George Amplify Signature has been recognised again in this category, with big bonus points and reduced first-year annual fee offers during the 12-month period we analysed. It also scored well for its earn rate of 1.5 points per $1 on all eligible spending.
The American Express Essential Credit Card is the winner of the 2024 Finder Award for Best No Annual Fee Rewards Credit Card, which it also won in 2023. This Amex card offers a $0 annual fee and 1.25 Membership Rewards Points per $1 on eligible spending. It also scored well for its purchase rate and interest-free days compared to other cards in this category. It offers complimentary smartphone screen cover and purchase insurance options.
Highly commended
The Coles No Annual Fee Mastercard has been recognised in this category for 2 years in a row. It scored highly for its bonus points offers during the 12-month period we analysed, as it is rare for cards in this category to offer bonus points. It also scored well for its earn rate of 1 Flybuys point per $2, which is equivalent of 0.5 points per $1 on eligible spending.
The Kogan Money Black Credit Card has an ongoing $0 annual fee and earns 1 point per $1 on most eligible spending. It also has a higher earn rate of 2 points per $1 for Kogan.com purchases. Each point is worth 1 cent and can be used to pay for eligible purchases at Kogan.com or for Kogan essential bills and plans.
The ANZ Business Black has been named the Best Business Rewards Credit Card in the 2024 Finder Credit Card Awards, a title it also won in 2023. It scored highly for its bonus points and $0 first-year annual fee offers during the 12-month period we analysed. It also earns a competitive 1.5 ANZ Rewards Points per $1 on eligible spending up to $10,000 per statement period, 1 point per $1 after that and 0.5 points per $1 for tax payments.
Highly commended
The NAB Rewards Business Signature Card scored highly for its big bonus points offers during the 12-month period we analysed and for its earn rate of 1.25 points per $1 on eligible spending (including ATO payments). It also offers double points at major department and hardware stores and triple points for Webjet and overseas spending.
The American Express Business Explorer scored well for its bonus points offers, earn rates and annual fee during the period of analysis for this award category. It also offers airport lounge passes, complimentary travel insurance and up to 99 cards for employees with no additional annual fees.
The NAB Qantas Business Signature Card has been named the Best Business Frequent Flyer Credit Card in the 2024 Finder Credit Card Awards – the second year in a row it has won. It scored highly for its big bonus Qantas Points offers during the 12-month period we analysed. It earns 0.66 Qantas Points per $1 on everyday business spending – including with the ATO – and 1 additional point per $1 for eligible Qantas spending. Its relatively high points cap of $50,000 per statement period and 18.5% purchase rate also scored well in this category.
Highly commended
The Bendigo Bank Qantas Business Credit Card is a finalist in this category for the second year in a row. It offers 0.6 Qantas Points per $1 on most eligible spending, 0.3 points per $1 for government charges and a relatively low $89 annual fee per card.
The Westpac BusinessChoice Rewards Platinum Mastercard is also a finalist for the second year in a row. It earns an equivalent 0.5 Qantas Points per $1 on most eligible spending and 0.33 points per $1 for ATO and other government payments. It also offers complimentary Qantas Business Rewards membership and international travel insurance.
The St.George BusinessVantage Visa has won the 2024 Finder Award for Best Low Interest Business Credit Card for a second year in a row. It scored highly for its 9.99% purchase rate and relatively low $55 annual fee per card. It also offers up to 55 days interest-free on purchases, business-reporting features and unauthorised transaction insurance.
Highly commended
The G&C Mutual Bank Low Rate Business Card scored highly for its low 12.49% purchase rate, $50 annual fee and up to 50 interest-free days. While not factored into the scoring, it also offers up to 5 cards linked to the account, which can be valuable for business owners who want to provide cards for employees.
The Heritage Bank Business Visa Credit Card has been recognised as a finalist in this category for the second year in a row, after also being highly commended in 2023. This year, it scored well for its 12.95% purchase rate, $45 annual fee and up to 40 days interest-free. While not factored into the scoring, it also offers data feeds with MYOB, Xero or Reckon.
The American Express Platinum Business Card has been named the Best Business Charge Card in the 2024 Finder Credit Card Awards. This high-end card scored highly for its big bonus points offers during the analysis period and its high rate of points per $1 spent. It offers 2.25 Membership Rewards points per $1 on most spending and 1 point per $1 with government bodies in Australia. It's also packed with perks including unlimited airport lounge access and international and domestic travel insurance.
Highly commended
The CommBank Corporate Charge Card offers tailored features for larger businesses and organisations. It scored highly for its annual fees, with a fee of $40 per cardholder for 1–49 cards, $32 each for 50–499 cards and $24 per card for more than 500 cardholders.
The HSBC Corporate Card offers custom features to larger organisations, including real-time reporting insights and zero corporate liability cover. It doesn't list specific card costs but scored well for offering up to 55 days interest-free before payment is due.
Our team of experts analysed 12 months of data for every credit card and charge card in our database. That's 270 credit cards from 82 credit card companies. We scored all eligible cards using methodology that factored in the rates, fees, offer details and other key features for each category to determine the Finder Credit Card Awards winners for 2024.
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