The Finder Credit Card Awards 2025 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 15 categories. This gives you a benchmark when you want to compare and find a new card.
The St.George Vertigo Card won this year's balance transfer credit card award. This card combines a long 24-month balance transfer offer at 0%, with a low 1% balance transfer fee and a very competitive annual fee. This card won alongside the Bank of Melbourne and BankSA Vertigo Cards, which have identical details and features.
The Clear Card - Balance Transfer Offer from Citi is highly commended in the balance transfer category. This card also has a long 24-month 0% balance transfer offer.
ANZ's Rewards Black Credit Card took out the top spot in the rewards credit card category with its very compelling offer. The card's high earn rate (2 points per dollar spent), hefty 180,000 bonus points sign-up offer and other benefits made it a strong winner this year.
The NAB Rewards Signature Card received a highly commended placing in the reward category. It offers a stack of bonus points and a high earn rate when you spend with the card.
The Amplify Signature Card comes highly commended with a healthy amount of bonus points and a high earn rate. The discounted annual fee in the first year helps make this a compelling rewards card. St.George, Bank of Melbourne and BankSA all offer this card with identical features.
The Qantas American Express Ultimate Card won Finder's Qantas frequent flyer credit card award this year. The card gives eligible customers a solid 50,000 bonus Qantas Points on sign up, and adds extra value with its high earn rate and a $450 travel credit that offsets the annual fee.
The ANZ Frequent Flyer Black is a really strong offer and is highly commended. It offers a huge amount of bonus Qantas Points (although you won't get them all unless you hold the card for 12 months).
Westpac's Altitude Qantas Black has a slightly lower earn rate than other top cards. But it offers a really high 120,000 bonus Qantas Points and the annual fee is lower than the other winning cards.
Westpac's Altitude Velocity Black won this year's Velocity frequent flyer credit card award. You can earn up to 120,000 bonus Velocity Points with this card if you hold it for over a year.
The American Express Velocity Platinum Card is highly commended in this award category. It offers new customers 60,000 bonus Velocity Points when they spend $3,000 in the first 3 months and has a high earn rate, lounge access and many other benefits.
Citi's Premier Card - Velocity Points Offer has a high bonus points offer and an annual fee that's a touch lower than comparable cards. That's why it's highly commended in the Velocity frequent flyer category.
The Bankwest Breeze Platinum Mastercard is the winner of this year's travel credit card award. It offers a 0% foreign transaction fee, a low purchase rate plus complimentary travel insurance and a very competitive annual fee.
The Bendigo Bank Ready Credit Card finished highly commended with a card that offers both 0% foreign transaction fees and a $0 annual fee. That's a very strong offer.
Bankwest's Qantas Platinum Mastercard offers bonus Qantas Points, which is a nice benefit on a travel card. Of course, it also has 0% foreign transaction fees to save you money while spending overseas.
G&C Mutual Bank's Low Rate Visa Credit Card is the winner of this year's low rate credit card award. It has, you guessed it, a very low interest rate. Plus a low annual fee.
The Low Rate Credit Card from Illawarra Credit Union is highly commended in the low rate category. It has a competitive rate and a $0 annual fee for the first year.
The Kogan Money Credit Card has a $0 annual fee permanently, and it lets you earn points. That's what made it this year's no annual fee credit card winner.
The Heritage Bank Gold Low Rate Credit Card has a $0 annual fee for the life of the card and a low purchase rate. That's why it's highly commended in the no annual fee category.
The Kogan Money Credit Card also won the no annual fee rewards category this year. This card combines a $0 annual fee with the ability to earn Kogan Points on your spending.
The Coles No Annual Fee Mastercard is highly commended. It combines an ongoing $0 annual fee with 10,000 bonus Flybuys Points and the ability to earn points on spending.
The Qantas American Express Discovery Card finished highly commended in the no annual fee rewards category. This card has no annual fee and lets you earn Qantas Points on your spending.
NAB's Rewards Business Signature Card won the small business rewards credit card award this year. It offers a really generous amount of NAB Rewards Points and has a fairly low annual fee.
The American Express Business Explorer Credit Card came in highly commended in the small business rewards credit card category. It comes with bonus Membership Rewards Points, complimentary travel insurance and airport lounge access, with a low annual fee.
ANZ's Business Black card finished highly commended. This card offers 100,000 bonus ANZ Rewards Points and gives you access to the ANZ 24/7 Global Business Concierge service.
The NAB Qantas Business Signature Card won the business frequent flyer award at this year's Finder Awards. It comes with a massive 200,000 bonus Qantas Points and complimentary Qantas Business Rewards membership.
ANZ's Qantas Business Rewards Card finished highly commended. It offers plenty of perks and a stack of bonus Qantas Points, in exchange for a $375 annual fee.
The Amplify Signature Card comes highly commended with a healthy amount of bonus points and a high earn rate. The discounted annual fee in the first year helps make this a compelling rewards card. St.George, Bank of Melbourne and BankSA all offer this card with identical features.
The BusinessVantage Visa wins the low interest rate business credit card award this year. It has one of the lowest business credit card rates around, plus a very low annual fee. This card is offered with the same features by St.George, Bank of Melbourne and BankSA.
Heritage Bank's Business Visa Secured Credit Card is highly commended in the low interest rate business card category. It has a very competitive rate and the annual fee is about as low as you can get at just $45.
American Express's Qantas Business Rewards Card wins this year's business frequent flyer charge card award. It wins with a great combination of a high earn rate plus 130,000 bonus Qantas Points.
NAB's Purchasing and Corporate Card won the low rate business charge card award this year. It has a competitive purchase rate and comes with complimentary business liability insurance.
The Cape Mastercard Interest-Free Days Business Credit Card is the winner of the business foreign exchange charge card in 2025. It has 0% foreign currency conversion fees and $0 overseas ATM withdrawal fees.
Bankwest's Zero Platinum Mastercard is the winner of this year's no FX fees credit card award. It takes out the award thanks to its 0% foreign currency conversion fee plus its $0 annual fee and up to 55 days interest free.
Bendigo Bank's Ready Credit Card finished highly commended in the no FX fees credit card category. It's a solid no annual fee credit card with 0% foreign currency conversion fees.
The Westpac Lite Card received a highly commended placing. This card has no foreign transaction fees and a very low purchase rate, and a reasonable annual fee.
Finder's Product Awards methodology for credit cards
Finder's Credit Card Awards recognises market-leading credit cards, using our proprietary Finder Score ratings methodology, that compares 21 data points for each product, across value and features, for a total of 262 cards in our database, across 80 providers.
We aggregate the Finder Score for each award category over 12 months, to determine the average score for each product across all applicable categories.
Selection criteria
The products were included in the categories if they were currently available for new applications and met the following criteria:
Balance Transfer Credit Card: Has a valid balance transfer revert rate.
Travel Credit Card: Has a valid purchase rate.
Frequent Flyer Credit Card – Qantas: Has a valid purchase rate and accrues points on the Qantas Frequent Flyer program.
Frequent Flyer Credit Card – Velocity: Has a valid purchase rate and accrues points on the Velocity Frequent Flyer program.
Low Rate Credit Card: Not be a charge card or not charge any interest.
No Annual Fee Credit Card: Has a valid purchase rate greater than 0% and $0 annual fee.
No Foreign Transaction Fee Card: Has no foreign currency conversion fees.
Rewards Credit Card: Has a valid purchase rate and a valid rewards program.
No Annual Fee Rewards Credit Card: Has a valid rewards purchase rate, $0 annual fee and valid rewards program.
Small Business Rewards Credit Card: Is a valid business card, has a valid rewards purchase rate and a valid rewards program.
Business Frequent Flyer Credit Card: Is a valid business card, has a valid purchase rate and accrues points through Qantas Frequent Flyer, Qantas Business Rewards or Velocity Frequent Flyer.
Low Interest Business Credit Card: Is a valid business card and has an ongoing purchase rate.
Business Charge Card: Has no ongoing purchase interest rate and the account type is defined as "business".
Why you can trust our awards
Expert analysis
Our Credit Card Award winners are based on 100+ hours of data analysis of 21 data points across 262 products by our insights team and expert authors.
Comprehensive
We compared available products from 80 of Australia's credit card providers including the Big Four, small credit unions and independent brands.
Independent
Some winners may be partners but this never influences our decisions. All policies are based on a clear methodology and meet our editorial standards.
Piyush is an insights analyst at Finder and is responsible for developing the methodology for Finder's Product Awards. He holds an MBA from Macquarie University and a MSc in Banking and Finance from the University of London.
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 573 Finder guides across topics including:
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