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Compare and Apply for Credit Cards in Australia

Australia's leading credit card comparison website

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 is 100% Australian owned and operated. If you have any questions about the products listed here on our site, please don't hesitate to contact us.

Our credit card comparison service is 100% free with no hidden costs. Our aim is to help you compare credit cards to help you find the best offer and provide you access to secure online credit card applications. When you click on the apply buttons you will be sent to the bank or issuer site directly to complete the application, where full terms and conditions will be displayed. We don't collect any of your personal information at any point. 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.

A Selection of Our Most Popular Credit Cards

Interest
Rate (p.a.) Cash
Rate (p.a.) Balance
Transfer Annual
Fee
 

Citibank Clear Platinum
Citibank Clear Platinum

Triple Zero Value Offer!

0% p.a. on purchases, cash advances and balance transfers for the first 6 months + half annual fee first year! (Purchase rate changing to 12.99% from 1 Oct)

0%
for 6 months
0%
for 6 months
0%
for 6 months
$49
Apply More Info

ANZ Low Rate
ANZ Low Rate

0% Balance Transfers Rate

Pay 0% p.a. for 9 months on balance transfers with a low annual fee of $58.

13.14%
p.a.
21.49%
p.a.
0%
for 9 months
$58
Apply More Info

Bank of Queensland Low Rate
BOQ Low Rate

0% for 9 balance transfer

Excellent 9 month BT offer for this low rate card, with up to 55 days interest free

13.49%
p.a.
21.49%
p.a.
0%
for 9 months
$55
Apply More Info

HSBC Credit Card
HSBC Credit Card

$0 Annual Fee + 0% BT for 6 Mths

Pay no interest on balance transfers for the first 6 months and pay no annual fee, ever!

17.99%
p.a.
21.99%
p.a.
0%
for 6 months
$0
Apply More Info

Westpac Low Rate
Westpac Low Rate

0% purchase offer

Pay 0% on purchases for the first 6 months with a low purchase rate of 13.49% p.a. and low annual fee of $45.

0%
for 6 months
21.34%
p.a.
3.99%
for 6 months
$45
Apply More Info

Bankwest Zero Classic
Bankwest Zero

No Annual Fee ever

The Bankwest Zero card has no annual fee, 55 days interest free on purchases - good for occasional card users

17.99%
p.a.
21.99%
p.a.
0%
for 6 months
$0
Apply More Info

Virgin Australia Velocity Flyer
Virgin Australia Velocity Flyer

0% Balance Transfer

Great 0% p.a. on balance transfers for the first 8 months. Receive up to 1 Velocity Point per $1 spent up to $1,500.

20.99%
p.a.
20.99%
p.a.
0%
for 8 months
$64*
Apply More Info

ANZ Low Rate Credit Card
ANZ Platinum

9 month balance transfer offer

ANZ Platinum credit card has no annual fee if spending $20K each year, alongside free travel insurance and more.

19.39%
p.a.
20.99%
p.a.
0%
for 9 months
$0
first year - save $87
Apply More Info

CBA Low Fee
Commbank Low Fee

0% on purchases

The CBA Low Fee card offers 0% on purchases for 5 months for a successful online application and very low annual fee - great low cost card

0%
for 5 months
21.24%
p.a.
5.99%
for 5 months
$24^
Apply More Info

Bankwest Qantas Platinum
Bankwest Qantas Platinum

8,000 Qantas points

A low cost platinum card with no international transaction fees + earn 1 Qantas point per $1 spent

19.49%
p.a.
21.99%
p.a.
0%
for 6 months
$140
Apply More Info

Citibank Ready Credit
Citibank Ready Credit

5.9% for 24 months

The Citibank Ready Credit product acts as a line of available credit that can be used like a flexible loan with credit card flexibility

18.99%
p.a.
18.99%
p.a.
5.9%
for 24 months
$0
Apply More Info

Low Interest 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.

See all low rate cards

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.

See all balance transfer cards

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.

See all rewards cards

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.

See all frequent flyer cards

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.

See all no annual fee cards

Debit Cards

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.

See all debit cards

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