Credit Card Offers: Compare Australian Credit Cards
Australia's leading credit card comparison web site

We provide our visitors with vital, unbiased information on leading credit cards in Australia. Unlike many other financial comparison sites, we specialise only in credit cards and have been online since 2005. Credit Card Offers Pty Ltd is 100% Australian owned and operated. If you have any questions please don't hesitate to contact us. Browse through our site to find the best credit card for your needs.
Our credit card comparison service is 100% free and provides you access to secure online credit applications. Whether you are looking for a low rate credit card, balance transfer deal, no annual fee or rewards card, Credit Card Offers will have something for you. Below are a selection of our most popular and recommended credit cards:
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Purchase Rate (p.a.) |
Cash Rate (p.a.) |
Balance Transfer |
Interest Free Days |
Annual Fee |
Card Highlights / Comments |
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Bankwest Lite Mastercard |
9.99% |
20.99% |
1.99% for 12 months |
up to 55 days |
$59 |

Low rate credit card
One of the lowest ongoing purchase rates around and 1.99% on balance transfers for 12 months. |

More Info |

Citibank Clear Platinum Visa |
11.49% |
20.99% |
0.99% for 6 months |
up to 55 days |
$49
first year (save $50) |

Low rate platinum credit card
Low interest credit card with platinum benefits and a limited time 50% off the annual fee. Minimum income of $50,000 a year required to apply for this card. |

More Info |
 St.George Vertigo MasterCard |
2.99% for 6 months
(normally 11.99%) |
20.74% |
2.99% for 6 months |
up to 55 days |
$55 |
The St. George Vertigo over the past years has consistently been the number 1 selected card on our site. |

More Info |

NAB Low Rate Visa Card |
0% for 6 months
(normally 12.24%) |
20.74% |
4.99% for 6 months |
up to 55 days |
$49 |
A good package with 4.99% p.a. on balance transfers for 6 months and 0% on purchases for 6 months. All this combined with a low ongoing interest rate on purchases and a competitive annual fee. |

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Aussie MasterCard |
2.99% for 6 months
(normally 12.29%) |
18.79% |
2.99% for 6 months |
up to 55 days |
$49 |
Special Offer: 2.99% p.a. on purchases for 6 months. Low rate, low annual fee, One of the most popular cards on our site. |

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Westpac Low Rate Card |
12.74% |
20.74% |
1.99% for 9 months |
up to 55 days |
$45 |
This card from the Westpac offers a 1.99% balance transfer for 9 months plus a low ongoing rate on purchases. |

More Info |

Citibank Clear Visa Card |
15.49% |
20.99% |
2.9% for 6 months |
up to 55 days |
$65 |
Citibank have removed the 0% balance transfer and left the purchase rate a bit higher than others which has lessened interest in this card. |

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HSBC Credit Card |
16.99% |
19.99% |
5.99% for 6 months |
up to 55 days |
$0 |
Limited offer from HSBC. Pay no annual fee for the life of the card and 5.99%p.a. on balance transfers for 6 months. |

More Info |

Bankwest Zero Platinum Credit Card |
15.99% |
15.99% |
1.99% for 12 months |
up to 55 days |
$0 |

No annual fee credit card
Platinum benefits with no annual fee! Special offer: 1.99% p.a. on balance transfers for 12 months. Strictly limited time. |

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Suncorp Platinum Credit Card |
19.99% |
19.99% |
3.9% for life |
up to 55 days |
$205 |

Balance transfer credit card
You can balance transfer non-Citibank or Suncorp debt to this product and pay only 3.9% for life. Wow! |

More Info |

Citibank Gold Visa Card |
20.49% |
20.99% |
2.9% for 12 months |
up to 55 days |
$149 |
Enjoy a low 2.9% p.a. on balance transfers for 12 months. |

More Info |

NAB Qantas Platinum Credit Card |
19.24% |
19.24% |
6.99% p.a. for 6 months |
up to 44 days |
$290 |

Qantas Frequent Flyer
A truly great offer from NAB, one account two cards. Earn $1 spent = 1.5 point on the American Express card. |

More Info |

Coles Group Source Card |
19.74% |
21.99% |
0% for 6 months |
up to 62 days |
$0 |
Pay no annual fee and earn points towards savings on fuel and FlyBuys points. |

More Info |
 Woolworths Everyday Money |
18.74% |
20.99% |
5.99% for 6 months |
up to 55 days |
$49
waived first year |
Special Offer: Bonus $50 shopping card if you apply by apply by 31 March 2010 and make 3 purchases by May 2010 (1). No annual fee for the first year. Earn reward points everywhere you shop and every 4 months, provided you have enough points, you’ll receive a shopping card. |

More Info |
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Bankwest Lite Credit Card
With the lowest ongoing MasterCard purchase rate at only 9.99%, the Bankwest Lite is equipped to outperform so many other cards in the market. Add to that a low rate on balance transfers of 1.99% for 12 months and you have a truly great credit card offer.
The Bankwest Lite MasterCard comes in 3 different offerings: Classic, Gold and Platinum. Platinum includes complimentry international travel insurance, 24/7 concierge service, extended warranty, purchase protection plus lots more. Complete a 1 simple application form and Bankwest and find out which version of the card you are eligible for.
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Citibank Platinum
Another exclusive credit offer: Save $125 off the annual card fee for the first year on the platinum credit card.
With the Citibank platinum credit card you get free access to both a Personal Concierge plus limited edition entertainment experiences through Citibank World Privileges.
Receive all the benefits you deserve with this leading platinum credit card. Please note that a minimum income of $50,000 p.a. is required to apply for this card. Don't you deserve the benefits of platinum with a 1/2 price annual fee?
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Low Rate Credit Card Offers
Low rate credit cards focus on providing the lowest interest rate for purchases. Low rate credit cards are best for people that don’t pay off their credit card balance every month. The more debt you have, the higher the importance of having the lowest interest rate.
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| NAB Low Rate Visa Card |

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Card Annual Fee |
$49 |
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Interest rate |
12.24% p.a. on purchases |
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Balance transfer |
4.99% p.a. for 6 months |
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| Bankwest Lite MasterCard |

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Card Annual Fee |
$59 |
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Interest rate |
9.99% p.a. on purchases |
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Balance transfer |
1.99% p.a. for 12 months |
Balance Transfer Credit Card Offers
Balance transfer credit cards are great for people that currently suffer high credit card debt. You can transfer the balance of your previous credit card(s) to a new provider. The new provider rewards you by charging no to very little interest for a period of time on the amount you successfully balance transfer.
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| NAB Low Rate Visa Card |

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Card Annual Fee |
$49 |
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Interest rate |
12.24% p.a. on purchases |
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Balance transfer |
4.99% p.a. for 6 months |
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| Suncorp Platinum Card |

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Card Annual Fee |
$205 |
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Interest rate |
19.99% p.a. on purchases |
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Balance transfer |
3.9% p.a. for life |
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Rewards program |
$1 spent = 1 point |
No Annual Fee Credit Card Offers
No annual free credit cards typically have a high level of standard interest and are best used by people that pay off their balance every month. No annual fee credit cards generally don’t offer any rewards program. They can be great to have as a second credit card for emergency access to funds. You get the ability to access funds if you need to without the annual credit card fee.
Rewards Credit Card Offers
All Rewards credit cards generally charge a high level of interest. Additionally the annual fee is much higher than other credit card types. Reward credit cards are best used by people that pay off their balance every month plus have a reasonably high spend on their card. When thinking about reward cards you should forecast how much you believe you will spend in a year. Check how many points you will receive on that amount and what you can get in rewards for those points. This is also a great way to compare reward cards as 1 point in one program can be totally different to 1 point in another. If the rewards outstrip the higher credit card costs then this type of card is for you.
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| Citibank Gold Credit Card |

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Annual Fee |
$149 |
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Credit Interest rate |
20.49% p.a. on purchases |
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Balance transfer |
2.9% p.a. for 12 months |
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Rewards program |
$1 spent = 1 point |
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| NAB Qantas Platinum Credit Card |

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Annual Fee |
$290 |
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Credit Interest rate |
19.24% p.a. on purchases |
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Balance transfer |
6.99% p.a. for 6 months |
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Rewards program |
$1 spent = 1.5 point |
Frequent Flyer Credit Card Offers
These are a type of rewards credit card whereby the main rewards are points that can be used for free tickets or upgrades on flights. Frequent flyer cards are best used by people that travel regularly and have a decent credit card spent every month. They typically attract the highest level of interest, therefore are best for people that pay off their balance each month.
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| NAB Qantas Platinum Credit Card |

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Annual Fee |
$290 |
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Credit Interest rate |
19.24% p.a. on purchases |
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Balance transfer |
6.99% p.a. for 6 months |
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Rewards program |
$1 spent = 1.5 point |
Debit Card Offers
Debit cards are issued through Visa or MasterCard meaning that they can be used anywhere that the respective credit cards are accepted. Instead of being charged interest you load your own money onto the cards and then use them as you would a credit card. They can be very convenient when travelling to replace carrying cash around. Additionally you don’t have to be over 18 to apply.
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