Credit Card Offers: Compare Credit Cards Australia

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Our credit cards comparison service is 100% free and provides you access to secure online credit card applications. Whether you are looking for low interest, balance transfer, no annual fee, rewards or a combination inbetween, we will have a credit card to suit.

Below are a selection of our most popular and recommended credit cards:

	Purchase Rate (p.a.)	Cash Rate (p.a.)	Balance Transfer	Interest Free Days	Annual Fee	Highlights / Comments
Citibank Clear Platinum Card	11.99% p.a.	21.74% p.a.	2.9% p.a. for 12 months	up to 55 days	$99	12 Month Balance Transfer Offer Introductory rate of 2.9% p.a. for 12 months on balance transfers with a low rate on purchases, currently 11.99%.	More Info
ANZ Platinum	0% p.a. for 6 months	21.49% p.a.	0% p.a. for 6 months	up to 55 days	$0*	0% Purchase and BT Offer Receive 0% p.a. on purchases and balance transfers for 6 months and no annual fee for the first year. This card also comes with a range of platinum benefits.	More Info
Westpac Low Rate Credit Card	0% p.a. for 6 months	21.49% p.a.	0% p.a. for 6 months	up to 55 days	$45	Low Rate Credit Card Introductory offer of 0% p.a. on purchases and balance transfers for the first 6 months	More Info
HSBC No Annual Fee Credit Card	17.99% p.a.	21.99% p.a.	0% p.a. for 6 months	up to 55 days	$0	No Annual Fee For Life! No Annual fee for the life of the card and a balance transfer rate of 0% p.a. for the first 6 months.	More Info
American Express Platinum Edge	0% p.a. for 6 months	20.74% p.a.	N/A	up to 55 days	$149	0% on Purchases + Bonus Rewards Get 0% p.a. on purchases for the first 6 months with up to 55 days interest free. Also receive 25,000 bonus reward points if you spend $500 in the first 2 months.	More Info
ANZ Low Rate MasterCard	0% for 3 months (reverts to 13.24% p.a.)	21.49% p.a.	0% for 3 months	up to 55 days	$58	Low Interest Credit Card Offer The ANZ low rate credit card special offer delivers 0% on purchases and balance transfers for 3 months.	More Info
Virgin High Flyer Credit Card	20.99% p.a.	20.99% p.a.	1.9% p.a. for 6 months	up to 44 days	$99	Bonus 15,000 Velocity Points Buy 1 get 1 free on flights. 4 Complimentary flights per year and receive a bonus 15,000 velocity points on your first purchase	More Info
NAB Low Rate	2.9% p.a. for the first 12 months	21.74% p.a.	4.99% p.a.for 6 months	up to 55 days	$49	Great Introductory Purchase Rate 2.9% p.a. for the first 12 months on purchases and a low ongoing rate of 13.49% p.a	More Info
Citibank Ready Credit	9.9% p.a. for 15 months	9.9% p.a. for 15 months	0.9% p.a. for 6 months	up to 55 days	$0	Special Introductory Offer A low and long life introductory rate of 9.9% for 15 months on purchases and cash advances with 0.9% p.a. on balance transfers for 6 months.	More Info

ANZ Low Rate The ANZ low rate credit card offers 0% on purchases and balance transfer for the first 3 monhts. Low going rate on purchases of 13.49% p.a. The low rate credit card with 0% for 3 months can make sense for a range of people. Any unpaid balane reverts to the purchase rate, currently 13,49% o.a. This is far better than a range of cards that revert to the high cash advance rate.

HSBC Credit Card The HSBC credit card offers no annual fee ever with 0% on balance transfer for 6 months. and up to 55 days interest free. Important Note: the 0% balance transfer attracts a 2% handling fee. Therefore the credit card balance transfer rate is basically 2%.

Low Interest Rate Credit Cards

Low interest rate credit cards focus on providing the lowest rate for purchases and balance transfers. 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 on your balance. Swapping to a low rate card can save a great deal in interest payments.

		ANZ Low Rate MasterCard
			Card Annual Fee	$58
			Interest rate	0% p.a. on purchases
			Balance Transfer	0% p.a. for 3 months

		Citibank Clear Platinum Credit Card
			Card Annual Fee	$99
			Interest rate	11.99%
			Balance transfer	2.9% p.a. for 12 months

Balance Transfer Credit Cards

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 none to very little interest for a period of time.

		Citibank Clear Platinum Credit Card
			Card Annual Fee	$99
			Interest rate	11.99%
			Balance transfer	2.9% p.a. for 12 months

		St. George Vertigo MasterCard
			Annual Fee	$55
			Card Interest rate	13.24%
			Balance transfer	2.99% for 6 months

No Annual Fee Credit Cards

No annual free credit cards typically have a higher level of standard interest than other cards, and are best used by people that pay off their balance every month. No annual fee offers generally don’t offer any rewards program. They can be great to have as a second card for emergency access to funds. You get the ability to access funds if you need to without the annual fee.

		Virgin No Annual Fee Credit Card
			Annual Fee	$0
			Interest rate	18.99% p.a. on purchases
			Balance transfer	2.9% p.a. for 9 months

		American Express Gold Ascent Card
			Annual Fee	$0
			Interest rate	20.49% p.a. on purchases
			Rewards program	$2 spent = 1 point

Rewards Credit Cards

Rewards credit cards generally charge a high level of interest. The annual fee is much higher than other types. They 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 think you will spend in a year. Check how many points you will receive and what you can get for those points. This is 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 costs then this type of card is for you.

		American Express Platinum Edge
			Annual Fee	$149
			Credit Interest rate	0% p.a. for 6 months
			Balance transfer	N/A
			Rewards program	Bonus 25,000 points

		Earth Platinum Credit Card
			Annual Fee	$250
			Credit Interest rate	20.99% p.a. on purchases
			Balance transfer	3.99% p.a. for 6 months
			Rewards program	$1 spent = 1.5 point

Frequent Flyer Credit Cards

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.

		Earth Platinum
			Annual Fee	$250
			Credit Interest rate	19.64% p.a. on purchases
			Balance transfer	3.99% p.a. for 6 months
			Rewards program	$1 spent = 1.5 point

		Qantas American Express Ultimate
			Annual Fee	$450
			Interest rate	20.49% p.a. on purchases
			Rewards program	$1 spent = 1.5 point

Debit Card Comparison 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.

NAB Visa Debit Card

St.George Visa Debit Card