Navigate credit card companies in Australia

Check out Finder's comprehensive database of over 80 credit card companies to find the best one for you.

At Finder, we do our best to compare the entire credit card market. This means we endeavour to list every bank and lender as well as every credit card available in Australia. Below, you can click through to each provider page where you can see all of their credit cards. If you're looking for a specific type of offer, you can find links to each of our guides here too.

Credit card providers

Credit cards by type and offer

Types of credit card companies in Australia

In Australia, you can get a credit card from a bank, credit union, co-operative, other financial provider or even a big-name brand such as Coles or Qantas.

Broadly speaking, there are 2 main ways a credit card company can be set up in Australia:

  1. Credit card issuers are financial organisations that are legally authorised to provide a credit facility. This includes most major banks and financial institutions in Australia, as well as their divisions or subsidiaries (which may have separate licences).
  2. A credit card brand can also partner with an issuer to offer credit cards under their name. For example, Coles, Virgin Money and Qantas Money credit cards have their own branding but are all issued by NAB.

Top 4 credit card issuers based on market share

If you're interested in the biggest banks or credit card companies, here are the 4 Australian credit card providers with the highest market capitalisation.

1. Commonwealth Bank

As well as being one of the Big Four banks in Australia, CommBank has the highest market capitalisation value at $193.04 billion. The Commonwealth Bank Group includes Bankwest, Colonial First State and CommSec (online stock broking). Commonwealth Bank credit cards include low-rate, low-fee, rewards, premium and business options.

2. NAB

Another of Australia's Big Four banks, NAB has over 8.5 million customers in Australia, New Zealand and across the world. Its market capitalisation is $99.32 billion. NAB credit cards include low-cost, rewards, premium, business and corporate options. It also issues Citi-branded credit cards, along with Coles, Qantas Money, Virgin Money, BOQ and other brands.

3. Westpac

Big Four Bank Westpac's credit card lending portfolio covers products from Westpac Banking Corporation, including St.George, Bank of Melbourne and BankSA. Its total market capitalisation is $82.46 billion. The range of Westpac credit cards include low rate, low fee, balance transfer and rewards options.

4. ANZ

Rounding out the Big Four banks on this list is ANZ, with a total market capitalisation of $79.89 billion. ANZ credit cards offer a mix of products, including rewards, frequent flyer, low-cost and premium cards for both personal and business use.

Want to know more about credit cards in Australia? Get up-to-date credit card statistics, including how many cards and how much debt Aussies owe.

Other factors to consider

  • The types of credit cards available. Ultimately, the right credit card company will offer a card with features you want. Keep in mind that even unfamiliar brands could offer you competitive rates, fees, rewards and perks.
  • Accessibility. If you want access to a branch, look for banks or brands with locations nearby. For mobile or phone banking, you could also check app store reviews or customer service ratings.
  • Rewards and other features. If you want a card that earns rewards, consider the value offered by different programs. And for other perks like complimentary travel insurance, check the requirements so you know you can get value from the card.
  • Fees. This includes the annual fee, foreign transaction fees, late payments, cash advances and any other charges on the bank or brands schedule of fees.
  • Other accounts. If you want to do all your banking with one provider, look at what other accounts are available and if there are any banking packages (such as if you get a mortgage and a credit card). Alternatively, the free Finder app lets you connect and view your accounts in one place.
  • Introductory offers. A new card with a 0% interest rate offer, bonus point, cashback or other perks can give you extra value when you sign-up.
  • Ethical values. If green banking is a priority for you, consider the investment details and any community support programs offered by the credit card company. You can usually find this information in the "About" and "Investor" sections of a bank or company's website.

Wondering what to do next? You could compare credit cards to get suggestions on cards that fit your goals, check out more credit card companies or compare some of the latest offers on Finder.

Frequently asked questions

Back to topSee our guide on how to apply for a credit card for more tips.

Back to top

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

24 Responses

    Default Gravatar
    vinNovember 5, 2024

    Hi

    Is there any card that can be used overseas but no fees charged.
    let me know

    thanks vin

    Default Gravatar
    DavidMay 25, 2024

    I need a credit card for the sole purpose of improving my credit score. I’m on a disability pension. Which one is the best

    Default Gravatar
    ChinnammaJanuary 10, 2024

    I am searching for a credit card(preferably Master card) with low fees or no fees to pay my regula r bill

    Default Gravatar
    robertDecember 25, 2023

    what credit card can i apply and if accepted use straight away

      AvatarFinder
      AmyDecember 27, 2023Finder

      Hi Robert,
      Some virtual credit cards can be set up and used after an application is approved. Keep in mind that you would need to meet the eligibility criteria and provide all the relevant details before you could get approval and set up an account. Finder’s guide to instant approval credit cards also has some options you can compare, as well as details on what to consider before you apply. I hope this helps.

    Default Gravatar
    MartinJuly 31, 2023

    best credit card for low annual fees and best in points earn for dollar spend

Go to site
Get matched with the right card for you