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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.

Credit Cards

  • Popular Credit Cards
  • 0% Balance Transfers
  • 0% Purchases
  • Low Standard Rate
  • No Annual Fee Cards
  • Rewards Cards
  • Airmiles Credit Cards

Editors Choice - Citibank Clear Platinum - 6 months 0%

Get a market leading package including a fantastically low APR of only 11.99%p.a coupled with 6 months 0% on Balance Transfers, Purchases and Cash Advances...

More Info >

Popular Credit Cards for 0% Balance Transfers & Purchases

Card
Issuer
Balance Transfers
Purchases
Std APR p.a
Annual Fee
Apply
Citibank Clear Platinum
Get complimentary international travel insurance, purchase cover and extended warranty insurance
Rate 0%
Duration 6 mths
Rate 0%
Duration 6 mths
11.99%
$99 - $50 off in 1st year = $49
Apply >
More Info
HSBC Credit Card
No Annual Fee for life of the Card.
Rate 0%
Duration 6 mths
Rate N/A
Duration N/A
17.99%
Free For Life
Apply >
More Info
St.George Vertigo
Low ongoing rate and Balance Transfer offer
Rate 2.99%
Duration 6 mths
Rate N/A
Duration N/A
13.24%
No Annual Fee in 1st Yr, then $55
Apply >
More Info
Bank of Melbourne Vertigo
Low ongoing rate and Balance Transfer offer
Rate 2.99%
Duration 6 mths
Rate N/A
Duration N/A
13.24%
No Annual Fee in 1st Yr, then $55
Apply >
More Info
Bankwest Breeze Classic MasterCard
12 months extra warranty + If you find cheaper within 21 days, claim the difference.
Rate 0%
Duration 6 mths
Rate 0%
Duration 4 mths
11.99%
$59 p.a.
Apply >
More Info
NAB Premium Card
1% on balance transfers for 12 months if you apply by 2nd June 2013! Free Travel Insurance.
Rate 1%
Duration 12 mths
Rate N/A
Duration N/A
19.49%
$90 p.a.
Apply >
More Info
NAB Low Rate
Rate 4.99%
Duration 6 mths
Rate N/A
Duration N/A
13.99%
$59 p.a.
Apply >
More Info
Virgin Money Velocity Flyer Card (BT Offer)
Collect Velocity Flyer Points when you spend. Buy 1 seat and get 1 complimentary seat on up to 4 Virgin domestic flights per year.
Rate 0%
Duration 9 mths
Rate N/A
Duration N/A
20.99%
$129
Apply >
More Info
Westpac Low Rate Card
Rate 3.99%
Duration 6 mths
Rate N/A
Duration N/A
13.49%
$45 p.a.
Apply >
More Info
St.George Gold Card
Get complimentary overseas travel insurance, purchase cover, extended warranty, transit accident insurance.
Rate N/A
Duration N/A
Rate N/A
Duration N/A
15.99%
$79 p.a.
Apply >
More Info
Citibank Rewards Platinum
Get 1,000 points per month for 12 months when you spend on your card. Protect your purchases with Extended Warranty Insurance, Purchase Cover Insurance and Guaranteed Pricing Scheme.
Rate 1.50%
Duration 15 mths
Rate N/A
Duration N/A
20.99%
$199 p.a
Apply >
More Info
HSBC Platinum Qantas Card
Get 20,000 Free Qantas Frequent Flyer points & Qantas Lounge access and membership to the Qantas Frequent Flyer Program (valued at $82.50)
Rate 0%
Duration 6 mths
Rate N/A
Duration N/A
18.99%
$199
Apply >
More Info
Virgin Money Velocity Flyer Card (Points Offer)
Buy 1 seat and get 1 complimentary seat on up to 4 Virgin domestic flights per year (You still cover Booking Fees) & Earn up to 15,000 Velocity Points when you open and use your card!
Rate 2.90%
Duration 6 mths
Rate N/A
Duration N/A
20.99%
$129
Apply >
More Info
Westpac 55 Day Classic Card
Rate 3.99%
Duration 6 mths
Rate 0%
Duration 6 mths
19.59%
No Annual Fee in 1st Yr, then $30
Apply >
More Info
Westpac Earth
Get complimentary purchase cover and extended warranty insurance
Rate 0.99%
Duration 6 mths
Rate N/A
Duration N/A
19.99%
$75 p.a.
Apply >
More Info
Westpac Earth Platinum
Get complimentary international travel insurance, purchase cover, extended warranty insurance, and Qantas Frequent Flyer membership
Rate 0.99%
Duration 6 mths
Rate N/A
Duration N/A
19.99%
$125
Apply >
More Info
Westpac Altitude
Receive 10,000 bonus Altitude points when you first use either card for a purchase
Rate 3.99%
Duration 6 mths
Rate N/A
Duration N/A
19.99%
$100 p.a.
Apply >
More Info
Westpac Altitude Platinum
Receive 20,000 bonus Altitude points & Get complimentary international travel insurance, purchase cover and extended warranty insurance
Rate 3.99%
Duration 6 mths
Rate N/A
Duration N/A
19.99%
$295 p.a.
Apply >
More Info
Suncorp Gold Card
6 months 0% on Balance Transfers
& 20.25%p.a standard rate
Rate 0%
Duration 6 mths
Rate N/A
Duration N/A
20.25%
50% off No Annual Fee in 1st Yr, then $120
Apply >
More Info
Aussie Mastercard
Rate 5.99%
Duration 5 mths
Rate 2.99%
Duration 4 mths
12.49%
$49 p.a.
Apply >
More Info
Virgin Low Rate Card
One of the lowest ongoing interest rates around and a great low rate on balance transfers.
Rate 2.90%
Duration 9 mths
Rate N/A
Duration N/A
10.99%
$99
Apply >
More Info
Virgin No Annual Fee Card
Rate 2.90%
Duration 6 mths
Rate N/A
Duration N/A
18.99%
Free For Life
Apply >
More Info
Citibank Ready Credit
Rate 5.90%
Duration 24 mths
Rate 5.90%
Duration 18 mths
18.99%
$69 Establishment Fee - No Ongoing Fee
Apply >
More Info
St.George Amplify
Earn Qantas Airmiles or Amplify Reward points
Rate 0.99%
Duration 6 mths
Rate N/A
Duration N/A
18.74%
No Annual Fee in 1st Yr, then $79
Apply >
More Info
St.George Platinum
Rate 3.99%
Duration 6 mths
Rate N/A
Duration N/A
15.99%
No Annual Fee in 1st Yr, then $89
Apply >
More Info
Bankwest More Classic Card
Get BankWest More Rewards program or Qantas Frequent Flyer points
Rate 0%
Duration 6 mths
Rate N/A
Duration N/A
19.49%
$70 p.a.
Apply >
More Info
St.George No Annual Fee
20.49%p.a standard rate & No Annual Fee
Rate N/A
Duration N/A
Rate N/A
Duration N/A
20.49%
$0 p.a.
Apply >
More Info
Suncorp Standard Card
NO INTEREST FREE DAYS WITH THIS CARD!
Rate N/A
Duration N/A
Rate N/A
Duration N/A
12.74%
$27 in the 1st year, $55 thereafter
Apply >
More Info
Virgin Money Velocity High Flyer Card
Buy 1 seat and get 1 seat FREE on up to 4 Virgin domestic flights per year (You still cover Booking Fees) + Complimentary International Travel Insurance for you and your family
Rate 1.90%
Duration 6 mths
Rate N/A
Duration N/A
20.99%
$289
Apply >
More Info

Citibank Clear Platinum

Advice

Save $50 on your 1st years annual fee reducing the cost from $99 to $49! Also, get up to 4 additional card holders - annual fee of $19 each. Standard rate will change to 12.99% p.a. from 1 October.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 6 mths
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 11.99% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $99 - $50 off in 1st year = $49
Standard Features
Credit Limit: $20,000
Interest Free Days: Up to 55 days
On-Line Banking: No
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 $40,000.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

HSBC Credit Card

Advice

No Annual Fee for Life

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: N/A
Purchases: 17.99% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: Free For Life
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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

St.George Vertigo

Advice

Low ongoing rate and Balance Transfer offer

Introductory Offer
Balance Transfer Rate: 2.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.24% p.a.
Purchases: 13.24% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $55
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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 $15,000 or more per year

Bank of Melbourne Vertigo

Advice

Low ongoing rate and Balance Transfer offer

Introductory Offer
Balance Transfer Rate: 2.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.24% p.a.
Purchases: 13.24% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $55
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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 $15,000 or more per year

Bankwest Breeze Classic MasterCard

Advice

Please note this card offers a standard rate of 11.99%p.a - Australia's lowest MasterCard purchase rate! Australia's cheapest credit card, awarded by Money magazine 2012!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 4 mths
Annual Rates
Balance Transfers: 11.99% p.a.
Purchases: 11.99% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: $59 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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 Earned Taxable Income of over $20,000.pa

NAB Premium Card

Advice

Get 1% on Balance Transfers for 12 months if you apply by 2nd June 2013

Introductory Offer
Balance Transfer Rate: 1% p.a. for 12 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.49% p.a.
Purchases: 19.49% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $90 p.a.
Standard Features
Credit Limit: Minimum $5000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are NOT Self-employed
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You DO NOT have an RMB/RSD (Roadside Mailbox or Roadside Delivery) as the only form of street address
  • You have an Income of over $50,000 p.a

NAB Low Rate

Advice

The NAB Low Rate Card offers one of the lowest standard rates of any card in Australia!

Introductory Offer
Balance Transfer Rate: 4.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.99% p.a.
Purchases: 13.99% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $59 p.a.
Standard Features
Credit Limit: Minimum $500
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are NOT Self-employed
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You DO NOT have an RMB/RSD (Roadside Mailbox or Roadside Delivery)as the only form of street address

Virgin Money Velocity Flyer Card (BT Offer)

Advice

Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second complimentary seat on the flight, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 9 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.99% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $129
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Westpac Low Rate Card

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.49% p.a.
Purchases: 13.49% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $45 p.a.
Standard Features
Interest Free Days: Up to 55 days
On-Line 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

St.George Gold Card

Advice

Gold Includes: - High Credit Limits from $5,000 - Travel Insurance - Transit Accident Insurance - Purchase cover - Extended warranty on purchases

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 15.99% p.a.
Purchases: 15.99% p.a.
Cash Advance: 20.24% p.a.
Annual Fee: $79 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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

Citibank Rewards Platinum

Introductory Offer
Balance Transfer Rate: 1.50% p.a. for 15 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.74% p.a.
Purchases: 20.99% p.a.
Cash Advance: 21.74% p.a.
Annual Fee: $199 p.a
Standard Features
Credit Limit: $20,000
Interest Free Days: Up to 55 days
On-Line Banking: No
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 $40,000.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

HSBC Platinum Qantas Card

Advice

Receive a bonus 20,000 Qantas Frequent Flyer points. You can redeem those points for a Classic Award economy flight from Sydney to Melbourne (8,000 points plus $23.53 in surcharges, fees and taxes).

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 18.99% p.a.
Purchases: 18.99% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: $199
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line 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 $60,000.pa

Virgin Money Velocity Flyer Card (Points Offer)

Advice

Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second complimentary seat on the flight, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate: 2.90% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.99% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $129
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Westpac 55 Day Classic Card

Advice

For your loyalty, every year you spend at least $10,000 p.a. Westpac will waive the annual fee the following year!!

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: 1%
Purchase Rate: 0% p.a. for 6 mths
Annual Rates
Balance Transfers: 19.59% p.a.
Purchases: 19.59% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $30
Standard Features
Interest Free Days: Up to 55 days
On-Line 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

Westpac Earth

Advice

Get complimentary international travel insurance, purchase cover and extended warranty insurance. Also get 10,000 Bonus Qantas Frequent Flyer points on new Earth cards. Apply between 2 April – 1 July 2013.

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $75 p.a.
Standard Features
Interest Free Days: Up to 45 days
On-Line 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

Westpac Earth Platinum

Advice

Get complimentary international travel insurance, purchase cover and extended warranty insurance. Also get 20,000 Bonus Qantas Frequent Flyer points on new Earth Platinum cards. Apply between 2 April – 1 July 2013.

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $125
Standard Features
Interest Free Days: Up to 45 days
On-Line 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

Westpac Altitude

Advice

Receive 10,000 bonus Altitude points when you first use either card for a purchase!

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $100 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line 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

Westpac Altitude Platinum

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.59% p.a.
Annual Fee: $295 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line 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

Suncorp Gold Card

Advice

An additional annual fee of $19 will apply to join Suncorp Qantas Frequent Flyer program. $15 for an Additional Suncorp Clear Options Gold

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.25% p.a.
Purchases: 20.25% p.a.
Cash Advance: 20.75% p.a.
Annual Fee: 50% off No Annual Fee in 1st Yr, then $120
Standard Features
Credit Limit: $60,000
Interest Free Days: Up to 55 days
On-Line 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.

Aussie Mastercard

Advice

With the low rate Aussie MasterCard® they've done away with unnecessary extras like expensive rewards. You get a no-nonsense credit card with a great low rate on purchases.

Introductory Offer
Balance Transfer Rate: 5.99% p.a. for 5 mths
Balance Transfer Fee: N/A
Purchase Rate: 2.99% p.a. for 4 mths
Annual Rates
Balance Transfers: 12.49% p.a.
Purchases: 12.49% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $49 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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

Virgin Low Rate Card

Introductory Offer
Balance Transfer Rate: 2.90% p.a. for 9 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 21.69% p.a.
Purchases: 10.99% p.a.
Cash Advance: 21.69% p.a.
Annual Fee: $99
Standard Features
Credit Limit: $6,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $35000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Virgin No Annual Fee Card

Introductory Offer
Balance Transfer Rate: 2.90% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 18.99% 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
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $25000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Citibank Ready Credit

Advice

There is a $69 card activation fee charged on first spend. There are NO ANNUAL FEE or transaction, EFTPOS or cash advance fees with this card.

Introductory Offer
Balance Transfer Rate: 5.90% p.a. for 24 mths
Balance Transfer Fee: N/A
Purchase Rate: 5.90% p.a. for 18 mths
Annual Rates
Balance Transfers: 18.99% p.a.
Purchases: 18.99% p.a.
Cash Advance: 18.99% p.a.
Annual Fee: $69 Establishment Fee - No Ongoing Fee
Standard Features
Credit Limit: $25,000
Interest Free Days: Up to 0 days
On-Line Banking: No
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 are NOT an existing Citibank customer & have NOT made an application to Citibank within the last 9 months

St.George Amplify

Advice

You have a choice of St.George Amplify Reward Points or Qantas Reward Points

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 18.74% p.a.
Purchases: 18.74% p.a.
Cash Advance: 20.74% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $79
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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

St.George Platinum

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 15.99% p.a.
Purchases: 15.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $89
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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

Bankwest More Classic Card

Advice

Get 4,000 Qantas Frequent Flyer points after first use of your card!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.49% p.a.
Purchases: 19.49% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: $70 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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 Earned Taxable Income of over $15,000.pa

St.George No Annual Fee

Advice

You have no Interest Free days with this card. Interest is applied from the moment a purchase is made.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.49% p.a.
Purchases: 20.49% p.a.
Cash Advance: 20.49% p.a.
Annual Fee: $0 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 0 days
On-Line 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

Suncorp Standard Card

Advice

There is NO interest free days with this card. You start incurring interest at the rate of 12.74%p.a as soon as you make a purchase!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 12.74% p.a.
Purchases: 12.74% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: $27 in the 1st year, $55 thereafter
Standard Features
Credit Limit: $20,000
Interest Free Days: Up to 0 days
On-Line 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.

Virgin Money Velocity High Flyer Card

Advice

Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second seat on the flight for FREE, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate: 1.90% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.99% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $289
Standard Features
Credit Limit: $15,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $75,000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Credit Cards for Cash Back

Card
Issuer
Cash Back Rate
Cash Back Paid
Payment Method
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Reward Credit Cards

Card
Issuer
Rewards
Apply
Bankwest More Classic Card
Get BankWest More Rewards program or Qantas Frequent Flyer points
Get 4,000 Qantas Frequent Flyer points after first use of your card! ($1 spent = 1.5 Reward Points)
Apply >
More Info
Virgin Money Velocity High Flyer Card
Buy 1 seat and get 1 seat FREE on up to 4 Virgin domestic flights per year (You still cover Booking Fees) + Complimentary International Travel Insurance for you and your family
Earn 1.25 Velocity Points per $1 spent, uncapped! Redeem points for flights with Virgin Blue, Pacific Blue, V Australia and international partner airlines giving customers free flights to over 400 destinations. Plus a range of non flight redemption options such as car hire, accommodation gift cards and other goods. No blackout periods and points can be redeemed on any seat and any time. Take a friend for free when you fly on Virgin Blue (equates to 4 free one way flights per year) Fraudshield protection and Visa Zero Liability Insurance Optional CreditShield Edge Travel Accident Insurance and Concierge Great Customer Service
Apply >
More Info
HSBC Platinum Qantas Card
Get 20,000 Free Qantas Frequent Flyer points & Qantas Lounge access and membership to the Qantas Frequent Flyer Program (valued at $82.50)
Earn 2 Qantas Frequent Flyer points for every $1 spent on eligible purchases overseas Earn 1 Qantas Frequent Flyer point for every $1 spent on eligible purchases in Australia. Complimentary invitations to the Qantas Club lounge every year Complimentary membership to the Qantas Frequent Flyer Program (valued at $82.50) if you aren't already a member
Apply >
More Info
Amex Velocity Escape Card
Get 7,500 bonus Velocity Points when you apply, are approved, and spend $300 on your Card within the first 3 months.
Get 7,500 bonus Velocity Points when you apply, are approved, and spend $300 on your Card within the first 3 months. Earn 2 Velocity Points per dollar spent with Virgin Australia. Earn 1 Velocity Point per dollar spent on all other purchases.
Apply >
More Info
St.George Amplify
Earn Qantas Airmiles or Amplify Reward points
You have a choice of St.George Amplify Reward Points or Qantas Reward Points $1 spent = 1 Amplify Point $2 spent = 1 Qantas Frequent Flyer points
Apply >
More Info
Westpac Altitude
Receive 10,000 bonus Altitude points when you first use either card for a purchase
$1 = 1 Altitude Points with Mastercard $1 = 2 Altitude Points with Amex *Subject to terms and conditions*
Apply >
More Info

Bankwest More Classic Card

Advice

Get 4,000 Qantas Frequent Flyer points after first use of your card!

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.49% p.a.
Purchases: 19.49% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: $70 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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 Earned Taxable Income of over $15,000.pa

Virgin Money Velocity High Flyer Card

Advice

Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second seat on the flight for FREE, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate: 1.90% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.99% p.a.
Purchases: 20.99% p.a.
Cash Advance: 20.99% p.a.
Annual Fee: $289
Standard Features
Credit Limit: $15,000 - $100,000
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of $75,000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

HSBC Platinum Qantas Card

Advice

Receive a bonus 20,000 Qantas Frequent Flyer points. You can redeem those points for a Classic Award economy flight from Sydney to Melbourne (8,000 points plus $23.53 in surcharges, fees and taxes).

Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 18.99% p.a.
Purchases: 18.99% p.a.
Cash Advance: 21.99% p.a.
Annual Fee: $199
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line 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 $60,000.pa

Amex Velocity Escape Card

Advice

Get 7,500 bonus Velocity Points when you apply, are approved, and spend $300 on your Card within the first 3 months.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.74% p.a.
Purchases: 20.74% p.a.
Cash Advance: 20.74% p.a.
Annual Fee: Free For Life
Standard Features
Credit Limit: Unlimited
Interest Free Days: Up to 44 days
On-Line Banking: Yes
Approval Criteria
  • I am aged over 18
  • I am an Australian citizen or permanent resident or hold a current Business Long Stay Visa (subclass 457)
  • I have a personal gross (pre-tax) annual income of $40,000 or more
  • I have no history of bad debt or payment default
  • If self-employed, I have been trading for at least 18 months, or 12 months if I hold an existing American Express issued Card
  • If Self Employed you have been trading for at least 18 months or 12 months if you hold an existing American Express-issued Card.

St.George Amplify

Advice

You have a choice of St.George Amplify Reward Points or Qantas Reward Points

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 18.74% p.a.
Purchases: 18.74% p.a.
Cash Advance: 20.74% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $79
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 55 days
On-Line 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

Westpac Altitude

Advice

Receive 10,000 bonus Altitude points when you first use either card for a purchase!

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 mths
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $100 p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line 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

Credit Cards Explained

Credit Cards: Frequently Asked Questions

 

What are credit cards?

Credit cards are a useful and widely used facility allowing consumers for pay for goods and services on credit before paying the bill at a later date. For a modest annual fee, a credit card can help to spread the cost of purchases over a longer period of time. By paying off the balance regularly, little interest will be payable, making cards an efficient, convenient, and cheap payment device.

Why it my credit history? Why is it important?

Credit cards help to construct an individual’s credit history, which provides a record for future credit providers of the individual’s reliability in making repayments. This proves useful for a home loan application, for example. It is important, therefore, not to consider a credit card an endless source of finance. Repayment difficulties could damage your credit history, which would make it difficult to gain approval for future credit.

How can I avoid paying any interest / charges on my credit card?

Interest is avoided by paying off the credit card balance before the point at which interest applies. Penalty charges can be avoided by always making at least the minimum payment before the end of the billing period.

What types of credit card are available?

There are several types of credit cards, all designed to suit different sets of requirements, from those looking to pay less on existing debts, to those looking for rewards for spending, to those looking for exclusive benefits. Visit the separate credit card pages via the main ‘Credit Card’ tab above for more details about each card.

 

Credit Cards: An Express Guide

[Does one of these statements fit your credit card use? If not, e-mail us and tell us what's missing!]

"I’m looking for the cheapest way to consolidate my credit card debts and reduce my credit card balance":

For a small fee, a 0% balance transfer can help you to consolidate your existing credit card debts onto one card and reduce your debt with no interest. If you still have a credit card balance at the end of the 0% period, you can apply to transfer your balance again to another credit card supplier.

"I always seem to have a balance on my credit cards":

For those unable to clear their credit card balance each month, a low rate credit card ensures a consistently low rate of interest compared to the premium rates that follow introductory offers.

"I spend regularly on my credit card":

Regular credit card users could benefit from a reward credit card. Reward credit cards have loyalty schemes that offer incentives for spending. Accumulated points can go towards a range of products and services, including retail vouchers and airmiles. Regular credit card users could also benefit from a 0% purchases credit card, which allows payment for goods to be spread over a longer period of time.

"I spend thousands of dollars on my credit card every month":

While large spenders can also benefit from reward credit cards, those who enjoy a good status symbol can apply for a gold or platinum credit card, which offers generous credit limits and a host of incentives and loyalty bonuses. Alternatively, businesses and employers looking to save time and effort on their staff expenses could benefit from a business credit card.

"I travel overseas frequently. Are there any credit card benefits available?":

An airmiles credit card could be ideal for frequent flyers. Not only do airmiles credit cards tend to offer complimentary travel insurance, but some allow free or discounted entry to Frequent Flyer Clubs, allowing you to travel in comfort and style.

"I barely use my credit card, but I pay a small fortune just to own one":

Annual fees for credit cards can be wide and varied, depending on the type of card and the benefits that each card contains. If you are an infrequent credit card user, or would prefer to sacrifice some of the advantages for lower costs, why not consider a no annual fee credit card?

 

Credit Cards: Glossary

 

0% Balance Transfers

Many credit card providers offer an introductory period for 0% balance transfers. Existing debt from another credit card (or cards) can be transferred into a new account which will remain interest free until the introductory period expires. This is a useful feature for paying off credit card debts more affordably.

0% Purchases

Many credit cards offer an introductory period during which no interest is payable on purchases. It is important to note when this period ends and what the subsequent interest rate will be.

Annual Fee

This is a yearly charge applied by credit card providers which will be added to your balance. Some cards come with no annual fee, but other benefits are often sacrificed as a result.

APR

This is the Annual Percentage Rate (APR) that your balance is subject to, rather than a flat monthly fee.

Credit History

Credit history is a record of an individual's reliability in making repayments for past credit.

Interest Free Days

Most credit cards come with interest free days, usually ranging between 44 and 55 days. This is the period during which you have to pay off your balance to avoid paying any interest.

Latest Credit Card News RSS Feed

  • Protest over Jetstar credit card surcharges takes fight to HQ
    Customers petitioning against Jetstar’s credit card surcharges have delivered their protests to the company’s headquarters – in the form of ...
    Read More >
    Fri 12th Apr, 2013
  • Exceed minimum payment to improve credit card bills
    With Government debt projected to soar over the course of the current parliament, attention is being drawn once again to levels of personal debt, ...
    Read More >
    Tue 26th Mar, 2013
  • Debts climb as credit card users lose track of interest charges
    A stunning 40% of Australian credit card users are clueless about the interest rates they are paying, despite a growing mountain of debt.   ...
    Read More >
    Mon 4th Mar, 2013
  • Aussies pay twice as much for everyday goods
    Compare prices with other major Western economies, and it becomes evident how expensive regular consumables are for Australians.   If you're ...
    Read More >
    Thu 14th Feb, 2013
  • Aussies confident of a pay rise in 2013
    Australians are more confident about receiving a pay rise in 2013 than any other nation, according to a new report.   The new workmonitor ...
    Read More >
    Thu 7th Feb, 2013
  • Surge in debit and credit card activity during holiday season
    National Australia Bank has reported a surge in debit and credit card activity over the Christmas and New Year period.   The bank said that the ...
    Read More >
    Fri 1st Feb, 2013
  • Aussies ditch credit cards as appetite for debt falls
    Aussies are planning to take on less debt in 2013, as the appetite for credit falls to its lowest level since the depth of the global financial ...
    Read More >
    Tue 29th Jan, 2013
View Latest Credit Card News Archive >

 

Popular Brands

  • American Express Credit Cards
  • ANZ Credit Cards
  • Aussie Credit Cards
  • Bank of Queensland Credit Cards
  • BankSA Credit Cards
  • Bankwest Credit Cards
  • BOQ Credit Cards
  • Citibank Credit Cards
  • Coles Group Credit Cards
  • Commonwealth Bank Credit Cards
  • Community First Credit Cards
  • CUA Credit Cards
  • GE Money Credit Cards
  • Heritage Bank Credit Cards
  • HSBC Credit Cards
  • IMB Credit Cards
  • Intech Credit Cards
  • Lombard Credit Cards
  • Macquarie Credit Cards
  • ME Credit Cards
  • Mecu Credit Cards
  • MyState Financial Credit Cards
  • NAB Credit Cards
  • St.George Credit Cards
  • Suncorp Credit Cards
  • Virgin Money Credit Cards
  • Westpac Credit Cards
  • Wizard Credit Cards
  • Woolworths Credit Cards
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