Bread Crumb Trail

Credit Cards

Compare Credit Cards

Compare the leading credit card offers quickly and easily. Find long 0% balance transfer periods, low purchase rates, low annual fees or low interest rates for life.

Card Issuer Balance Transfers Purchases Std APR p.a Annual Fee Apply
Rate Duration Rate Duration
6 months 0% on Balance Transfers
& 11.49%p.a standard rate
0% 6 mths N/A N/A
11.49%
$99 - $50 off in 1st year = $49
6 months 0% on Balance Transfers
& 13.24%p.a standard rate
0% 6 mths N/A N/A
13.24%
$58 p.a.
6 months 0% on Balance Transfers
& Earn reward points simply for paying off your balance!
0% 6 mths N/A N/A
14.24%
$79 p.a.
6 months 0% on Balance Transfers
& No Annual Fee for life of the Card.
$50 FREE for purchasing on your card!!
0% 6 mths N/A N/A
16.99%
Free For Life
6 months 0% on Balance Transfers
& 12 months 11.99% on Purchases.
15.49%p.a standard rate.
0% 6 mths 11.99% 12 mths
15.49%
$65 p.a.
6 months 0% on Balance Transfers
& No annual fee.
0% 6 mths N/A N/A
20.24%
Free For Life
12 months 1.9% on Balance Transfers
& a low 12.24%p.a standard rate
NO INTEREST FREE DAYS WITH THIS CARD
1.90% 12 mths N/A N/A
12.24%
$39 p.a.
12 months 1.9% on Balance Transfers
& 19.75%p.a standard rate
1.90% 12 mths N/A N/A
19.75%
$99 p.a.
12 months 1.9% on Balance Transfers
& 19.99%p.a standard rate
1.90% 12 mths N/A N/A
19.99%
$63 p.a.
9 months 1.99% Balance Transfers
& 10.75%p.a standard rate
1.99% 9 mths N/A N/A
10.75%
$59 p.a.
9 months 3.99% Balance Transfers
& No Annual Fee EVER!
3.99% 9 mths N/A N/A
16.99%
Free For Life
6 months 2.99% on Balance Transfers
& 12.49%p.a standard rate
2.99% 6 mths N/A N/A
12.49%
$55 p.a.
6 months 2.9% Balance Transfers
& 16.95%p.a standard rate
2.90% 6 mths N/A N/A
16.95%
Free For Life
6 months 2.99% on Balance Transfers
& Purchases
2.99% 6 mths 2.99% 6 mths
12.99%
$49 p.a.
12 months 2.9% on Balance Transfers
& 13.24%p.a standard rate
*Apply by 25 September 2010!*
2.90% 12 mths N/A N/A
13.24%
$58 p.a.
12 months 2.9% on Balance Transfers
& 14.24%p.a standard rate
*Apply by 25 September 2010!*
2.90% 12 mths N/A N/A
14.24%
$79 p.a.
3.9% on Balance Transfers for Life
& 19.99%p.a standard rate
3.90% For Life N/A N/A
19.99%
$205 p.a.
6 months 0.99% on Balance Transfers
& earn Qantas Airmiles or Amplify Reward points
0.99% 6 mths N/A N/A
18.49%
$79 p.a.
9 months 1.99% on Balance Transfers
& 5 months 0% on Purchases
1.99% 9 mths 0% 5 mths
19.34%
No Annual Fee in 1st Yr, then $30
Get 1.99% p.a. for up to 9 months on new Balance Transfers
1.99% 9 mths N/A N/A
13.24%
$45 p.a.
12 months 1.9% on Balance Transfers
& up to $25,000 Credit Limit
1.90% 12 mths N/A N/A
20.74%
$149 p.a.
12 months 3.99% on Balance Transfers only
3.99% 12 mths N/A N/A
12.99%
$49 p.a.
6 months 3.99% Balance Transfers
& 15.74%p.a standard rate
3.99% 6 mths N/A N/A
15.74%
$89 p.a.
6 months 0.99% on Balance Transfers
& Earn Qantas Reward Points
0.99% 6 mths N/A N/A
19.64%
$75 p.a.
6 months 0.99% on Balance Transfers
& Earn Qantas Reward Points
0.99% 6 mths N/A N/A
19.64%
$125 p.a.
6 months 0.99% on Balance Transfers
& Earn Qantas Reward Points
0.99% 6 mths N/A N/A
19.64%
No Annual Fee in 1st Yr, then $250
5 months 5.99% Balance Transfers
& No Annual Fee if you spend $1000+p.a
5.99% 5 mths N/A N/A
19.99%
$24, or Free if you spend $1000+p.a
5 months 5.99% Balance Transfers
& 20.49%p.a standard rate
5.99% 5 mths N/A N/A
20.49%
$144 p.a.
5 months 5.99% Balance Transfers
& 20.49%p.a standard rate
5.99% 5 mths N/A N/A
20.49%
$280 p.a.
5 months 5.99% Balance Transfers
& 20.49%p.a standard rate
5.99% 5 mths N/A N/A
20.49%
$89 p.a.
6 months 7.99% on Balance Transfers
& 18.99%p.a standard rate
7.99% 6 mths N/A N/A
18.99%
$87 p.a.
6 months 7.99% on Balance Transfers
& 18.99%p.a standard rate
7.99% 6 mths N/A N/A
18.99%
$30 p.a.
9 months 1.99% on Balance Transfers
& Complimentary Travel + Purchases Insurance
1.99% 9 mths N/A N/A
19.34%
No Annual Fee in 1st Yr, then $90
9 months 1.99% on Balance Transfers
& Earn Altitude Reward Points
1.99% 9 mths N/A N/A
19.64%
$100 p.a.
9 months 1.99% on Balance Transfers
& Earn Altitude Reward Points
1.99% 9 mths N/A N/A
19.64%
$150 p.a.
15,000 Altitude Points FREE & 9 months 1.99% on Balance Transfers
1.99% 9 mths N/A N/A
19.64%
$295 p.a.
9 months 4.99% on Purchases only
N/A N/A 4.99% 9 mths
12.99%
$49 p.a.
$0 annual account fee for the first year (saving you $49).
N/A N/A N/A N/A
12.99%
No Annual Fee in 1st Yr, then $49

Introductory Offer

Balance Transfer Rate:
0% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
11.49% p.a.
Balance Transfers:
11.49% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$99 - $50 off in 1st year = $49

Standard Features

Credit Limit:
$20,000
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $50,000.pa
  • You have not applied and been declined for another Citibank product in the last 9 months
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Introductory Offer

Balance Transfer Rate:
0% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
13.24% p.a.
Balance Transfers:
13.24% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
$58 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
0% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
14.24% p.a.
Balance Transfers:
14.24% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
$79 p.a.

Standard Features

Credit Limit:
$15,000
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
0% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
16.99% p.a.
Balance Transfers:
N/A
Cash Advance:
20.75% p.a.
Annual Fee:
Free For Life

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have a Income of over $20,000.pa

Introductory Offer

Balance Transfer Rate:
0% p.a. 6 mths
Purchase Rate:
11.99% p.a. 12 mths

Standard Rates

Purchases:
15.49% p.a.
Balance Transfers:
15.49% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$65 p.a.

Standard Features

Credit Limit:
$20,000
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $20,000.pa
  • You have not applied and been declined for another Citibank product in the last 9 months
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Introductory Offer

Balance Transfer Rate:
0% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
20.24% p.a.
Balance Transfers:
20.24% p.a.
Cash Advance:
21.99% p.a.
Annual Fee:
Free For Life

Standard Features

Interest Free Days:
Up to 62 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Introductory Offer

Balance Transfer Rate:
1.90% p.a. 12 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
12.24% p.a.
Balance Transfers:
12.24% p.a.
Cash Advance:
17.99% p.a.
Annual Fee:
$39 p.a.

Standard Features

Credit Limit:
$20,000
Interest Free Days:
Up to 0 days
Online Banking:
Yes

Approval Criteria

  • Are at least 18 years of age
  • Have a good credit rating
  • Earn taxable income of $20,000 per year or more
  • Are a permanent Australian resident
  • If you are an existing Suncorp credit cardholder, you must have held your current account for at least 9 months before you can apply for another Suncorp credit card.

Introductory Offer

Balance Transfer Rate:
1.90% p.a. 12 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.75% p.a.
Balance Transfers:
19.75% p.a.
Cash Advance:
19.75% p.a.
Annual Fee:
$99 p.a.

Standard Features

Credit Limit:
$60,000
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • Are at least 18 years of age
  • Have a good credit rating
  • Earn taxable income of $35,000 per year or more
  • Are a permanent Australian resident
  • If you are an existing Suncorp credit cardholder, you must have held your current account for at least 9 months before you can apply for another Suncorp credit card.

Introductory Offer

Balance Transfer Rate:
1.90% p.a. 12 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.99% p.a.
Balance Transfers:
19.99% p.a.
Cash Advance:
19.99% p.a.
Annual Fee:
$63 p.a.

Standard Features

Credit Limit:
$7,500
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • Are at least 18 years of age
  • Have a good credit rating
  • Earn taxable income of $20,000 per year or more
  • Are a permanent Australian resident
  • If you are an existing Suncorp credit cardholder, you must have held your current account for at least 9 months before you can apply for another Suncorp credit card.

Introductory Offer

Balance Transfer Rate:
1.99% p.a. 9 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
10.75% p.a.
Balance Transfers:
10.75% p.a.
Cash Advance:
21.74% p.a.
Annual Fee:
$59 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • & have an Earned Taxable Income of over $20,000.pa

Introductory Offer

Balance Transfer Rate:
3.99% p.a. 9 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
16.99% p.a.
Balance Transfers:
16.99% p.a.
Cash Advance:
16.99% p.a.
Annual Fee:
Free For Life

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • & have an Earned Taxable Income of over $20,000.pa

Introductory Offer

Balance Transfer Rate:
2.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
12.49% p.a.
Balance Transfers:
12.49% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$55 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Introductory Offer

Balance Transfer Rate:
2.90% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
16.95% p.a.
Balance Transfers:
16.95% p.a.
Cash Advance:
20.99% p.a.
Annual Fee:
Free For Life

Standard Features

Credit Limit:
$2,000 - $10,000
Interest Free Days:
Up to 44 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have an annual Income of $20000 p.a. or more.

Introductory Offer

Balance Transfer Rate:
2.99% p.a. 6 mths
Purchase Rate:
2.99% p.a. 6 mths

Standard Rates

Purchases:
12.99% p.a.
Balance Transfers:
12.99% p.a.
Cash Advance:
19.79% p.a.
Annual Fee:
$49 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa
  • If you are NOT permanent resident/citizen of Australia you must have an Income of over $50,000.pa

Introductory Offer

Balance Transfer Rate:
2.90% p.a. 12 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
13.24% p.a.
Balance Transfers:
13.24% p.a.
Cash Advance:
20.74% p.a.
Annual Fee:
$58 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
2.90% p.a. 12 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
14.24% p.a.
Balance Transfers:
14.24% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
$79 p.a.

Standard Features

Credit Limit:
$15,000
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
3.90% p.a. For Life
Purchase Rate:
N/A

Standard Rates

Purchases:
19.99% p.a.
Balance Transfers:
19.99% p.a.
Cash Advance:
19.99% p.a.
Annual Fee:
$205 p.a.

Standard Features

Credit Limit:
$100,000
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • Are at least 18 years of age
  • Have a good credit rating
  • Earn taxable income of $50,000 per year or more
  • Are a permanent Australian resident
  • If you are an existing Suncorp credit cardholder, you must have held your current account for at least 9 months before you can apply for another Suncorp credit card.

Introductory Offer

Balance Transfer Rate:
0.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
18.49% p.a.
Balance Transfers:
18.49% p.a.
Cash Advance:
20.49% p.a.
Annual Fee:
$79 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Introductory Offer

Balance Transfer Rate:
1.99% p.a. 9 mths
Purchase Rate:
0% p.a. 5 mths

Standard Rates

Purchases:
19.34% p.a.
Balance Transfers:
19.34% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
No Annual Fee in 1st Yr, then $30

Standard Features

Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
1.99% p.a. 9 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
13.24% p.a.
Balance Transfers:
13.24% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$45 p.a.

Standard Features

Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
1.90% p.a. 12 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
20.74% p.a.
Balance Transfers:
20.74% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$149 p.a.

Standard Features

Credit Limit:
$60,000
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $35,000.pa
  • You have not applied and been declined for another Citibank product in the last 9 months
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Introductory Offer

Balance Transfer Rate:
3.99% p.a. 12 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
12.99% p.a.
Balance Transfers:
12.99% p.a.
Cash Advance:
19.79% p.a.
Annual Fee:
$49 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa
  • If you are NOT permanent resident/citizen of Australia you must have an Income of over $50,000.pa

Introductory Offer

Balance Transfer Rate:
3.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
15.74% p.a.
Balance Transfers:
15.74% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$89 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Introductory Offer

Balance Transfer Rate:
0.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.64% p.a.
Balance Transfers:
19.64% p.a.
Cash Advance:
21.14% p.a.
Annual Fee:
$75 p.a.

Standard Features

Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
0.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.64% p.a.
Balance Transfers:
19.64% p.a.
Cash Advance:
21.14% p.a.
Annual Fee:
$125 p.a.

Standard Features

Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
0.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.64% p.a.
Balance Transfers:
19.64% p.a.
Cash Advance:
21.14% p.a.
Annual Fee:
No Annual Fee in 1st Yr, then $250

Standard Features

Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 5 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.99% p.a.
Balance Transfers:
21.49% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
$24, or Free if you spend $1000+p.a

Standard Features

Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 5 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
20.49% p.a.
Balance Transfers:
21.49% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
$144 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $50,000.pa

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 5 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
20.49% p.a.
Balance Transfers:
21.49% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
$280 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $50,000.pa

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 5 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
20.49% p.a.
Balance Transfers:
21.49% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
$89 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
7.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
18.99% p.a.
Balance Transfers:
18.99% p.a.
Cash Advance:
20.74% p.a.
Annual Fee:
$87 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $50,000.pa

Introductory Offer

Balance Transfer Rate:
7.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
18.99% p.a.
Balance Transfers:
18.99% p.a.
Cash Advance:
20.74% p.a.
Annual Fee:
$30 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 44 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
1.99% p.a. 9 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.34% p.a.
Balance Transfers:
19.34% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
No Annual Fee in 1st Yr, then $90

Standard Features

Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
1.99% p.a. 9 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.64% p.a.
Balance Transfers:
19.64% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$100 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are aged 18 years or over
  • You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
  • You earn a minimum income of $15,000p.a

Introductory Offer

Balance Transfer Rate:
1.99% p.a. 9 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.64% p.a.
Balance Transfers:
19.64% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$150 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are aged 18 years or over
  • You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
  • You earn a minimum income of $50,000p.a

Introductory Offer

Balance Transfer Rate:
1.99% p.a. 9 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.64% p.a.
Balance Transfers:
19.64% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$295 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are aged 18 years or over
  • You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
  • You earn a minimum income of $65,000p.a

Introductory Offer

Balance Transfer Rate:
N/A
Purchase Rate:
4.99% p.a. 9 mths

Standard Rates

Purchases:
12.99% p.a.
Balance Transfers:
12.99% p.a.
Cash Advance:
19.79% p.a.
Annual Fee:
$49 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa
  • If you are NOT permanent resident/citizen of Australia you must have an Income of over $50,000.pa

Introductory Offer

Balance Transfer Rate:
N/A
Purchase Rate:
N/A

Standard Rates

Purchases:
12.99% p.a.
Balance Transfers:
12.99% p.a.
Cash Advance:
19.79% p.a.
Annual Fee:
No Annual Fee in 1st Yr, then $49

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa
  • If you are NOT permanent resident/citizen of Australia you must have an Income of over $50,000.pa

Card Issuer Cash Back Rate Cash Back Paid Payment Method Apply
Intro Duration Ongoing
5% Cashback for 1st 3 months, 1% Thereafter
5% 3 mths 1%
Monthly
Deposit on Card
5% off your petrol at BP
& 0.5% Cash Back elsewhere
N/A N/A 0.50%
Monthly
Deposit on Card

Introductory Offer

Balance Transfer Rate:
N/A
Purchase Rate:
N/A

Standard Rates

Purchases:
20.49% p.a.
Balance Transfers:
20.49% p.a.
Cash Advance:
20.49% p.a.
Annual Fee:
$99 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $40,000 p.a. or more.
  • You are a permanent resident/citizen of Australia.
  • If self-employed, you have been working for more than one year

Introductory Offer

Balance Transfer Rate:
1.90% p.a. 12 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
20.89% p.a.
Balance Transfers:
20.89% p.a.
Cash Advance:
20.89% p.a.
Annual Fee:
$79 p.a.

Standard Features

Credit Limit:
$25,000
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $20,000.pa
  • You have not applied and been declined for another Citibank product in the last 9 months
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Card Issuer Rewards Apply
Apply by 31st October 2010 and get 16,000 Qantas Frequent Flyer Points FREE
Frequently Flyer Visa Card = 1 Qantas Points for every $2 spent Frequently Flyer Amex Card = 1 Qantas Point for every $1 spent
5 months 5.99% Balance Transfers
& 20.49%p.a standard rate
$1 spent = 1 reward point - Use your rewards for travel, hotels, shopping and even donations to charities Convert two Commonwealth Awards points to one Qantas or Velocity Frequent Flyer point. Conditions apply. Exchange your Commonwealth Awards points for funds to repay your credit card. Conditions apply.
6 months 0.99% on Balance Transfers
& earn Qantas Airmiles or Amplify Reward points
$1 spent = 2 Amplify Points (until June 30th when this drops to 1 Amplify point). $1 spent = 1 Qantas Frequent Flyer point (until June 30th when this changes to $2 spent = 1 Qantas FF point).
9 months 1.99% on Balance Transfers
& Earn Altitude Reward Points
$1 = 1 Altitude Points with Mastercard $1 = 2 Altitude Points with Amex *Subject to terms and conditions*
5% off your petrol at BP
& 0.5% Cash Back elsewhere
5% back on the first $600 you spend per month at BP 0.5% back everywhere else you spent (excluding non-BP petrol stations) Up to 55 days interest-free on retail purchases MasterCard Worldwide acceptance Access to Citibank World Privileges with up to 25% off shopping, dining and travel worldwide

Introductory Offer

Balance Transfer Rate:
N/A
Purchase Rate:
N/A

Standard Rates

Purchases:
19.49% p.a.
Balance Transfers:
19.49% p.a.
Cash Advance:
20.74% p.a.
Annual Fee:
$95 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 44 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa
  • If you are NOT a permanent resident/citizen of Australia you must have an Income of over $50,000.pa

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 5 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
20.49% p.a.
Balance Transfers:
21.49% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
$89 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa

Introductory Offer

Balance Transfer Rate:
0.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
18.49% p.a.
Balance Transfers:
18.49% p.a.
Cash Advance:
20.49% p.a.
Annual Fee:
$79 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Introductory Offer

Balance Transfer Rate:
1.99% p.a. 9 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.64% p.a.
Balance Transfers:
19.64% p.a.
Cash Advance:
21.24% p.a.
Annual Fee:
$100 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are aged 18 years or over
  • You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
  • You earn a minimum income of $15,000p.a

Introductory Offer

Balance Transfer Rate:
1.90% p.a. 12 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
20.89% p.a.
Balance Transfers:
20.89% p.a.
Cash Advance:
20.89% p.a.
Annual Fee:
$79 p.a.

Standard Features

Credit Limit:
$25,000
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $20,000.pa
  • You have not applied and been declined for another Citibank product in the last 9 months
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Latest Credit Card News RSS Feed

Credit card signatures 'should be more thoroughly checked'
Retailers should be vigilant in checking the signature on credit cards, one theft victim has noted. A credit card theft victim has called for retail employees to check the signatures on ...
Read More >
Thu 2nd Sep, 2010
ATO 'to invest in credit card payment services'
New credit card, phone and online payment services will shortly be revealed by the Australian Tax Office. The Australian Tax Office (ATO) is set to invest in new credit card, phone and ...
Read More >
Thu 2nd Sep, 2010
BOQ credit card holders can access 3,500 ATMs after new partnership
Bank of Queensland customers will now be able to access more fee-free ATMs following an agreement. The Bank of Queensland (BOQ) debit and credit card holders can now access 3,500 ATMs ...
Read More >
Wed 1st Sep, 2010
ANZ iPhone app follows mobile credit card service
The new ANZ app will allow people to transfer money to a third party without knowing their bank account number. ANZ has launched an Apple iPhone banking app shortly after its trial ...
Read More >
Tue 31st Aug, 2010
How to beat credit card and home loan fees
There are many ways in which consumers can avoid paying bank fees, one publication has noted. Credit cards, home loans, transaction accounts and other products are all affected by bank ...
Read More >
Tue 31st Aug, 2010
Credit card security code launched by Commonwealth Bank
A new security code system has been launched by the Commonwealth Bank to provide additional protection for online shoppers. The Commonwealth Bank has launched a new security code which ...
Read More >
Tue 31st Aug, 2010
Thousands of ANZ credit card machines 'stopped working after glitch'
A technical glitch resulted in thousands of ANZ credit card and Eftpos machines failing to work. Thousands of ANZ credit card and Eftpos machines stopped working after a technical ...
Read More >
Fri 27th Aug, 2010

Credit Cards Explained

  • What are Credit Cards?
Credit cards have become a very useful and widely used tool for paying for goods and services on credit, then paying the bill at a later date. If used efficiently, credit cards can provide users with a method for spreading the cost of purchases over a longer period of time, and as long as the full outstanding balance is paid within the interest free period, you will never have to pay interest, so the only charge will be the annual fee.
  • How can they benefit my credit history?
Another significant advantage to credit cards is that they help to give you a credit history, which can then be analysed by future credit providers to give them an idea of how trust-worthy you are. An example of this is when you apply for a home-loan.

For this reason it is important to think of a credit card as a temporary loan, or financial back-up, as opposed to a source of finance, as you could end up damaging your credit history, therefore making it more difficult to get approved for future credit.
  • How can I avoid paying any interest/charges?
The key to using credit cards is always make at least the minimum payment at the end of the billing period. This will cause you to incur interest payments but will help you to avoid being penalised. Failure to make a payment on-time also results in a charge being applied to your balance.
  • What types of credit cards are available?
There are several types of credit cards, designed to suit different sets of requirements. If you are a regular credit card user and always pay off your balance in full, it is worth considering a cash-back credit card, or a reward credit card. These cards give you something back for your spending, allowing you to get more for spending more. These cards are most effective when the user makes most day-to-day and large purchases on their credit card, then pay off the balance in full on time.
  • What are the main credit card terms I should be aware of?
There are certain elements that most credit cards provide. Below is a description of the most common terms with an explanation of what they mean.
  • 0% Purchases
Many credit cards offer a 0% purchases introductory periods. This is the amount of time you can use your card for making purchases without having to pay interest. It is important to remain aware of when the introductory period ends, and what the typical rate will be once this period ends.
  • 0% Balance Transfers
Many Credit card providers also offer a 0% period for balance transfers. This can be used to move an existing balance held on another credit card and you will not pay any interest on this balance until the introductory period expires. This cam be very useful for people that want to pay off credit card debt without having to pay high fees.
  • Annual Fee
This is a charge applied by the credit card providers on a yearly basis. The amount will be added to your balance, so make sure you pay it off when your bill is due to avoid paying interest. Some cards come with no annual fee, but before being attracted by this benefit make sure the card covers the features you require because some elements may have been sacrificed as a result.
  • Interest Free Days
Most credit cards come with interest free days, usually ranging between 44 and 55 days. This is the period in which you have to pay off your balance to avoid paying any interest.
  • APR
This is the Annual Percentage Rate that your balance will be subject to, rather than a flat monthly fee.