# LLM documentation for www.creditcard.com.au # This file defines how AI models and providers can interact with our content. Compare and apply for some of the best credit cards offers in Australia. Score bonus points, great rewards, top cashback rates and more. # Allow major AI platforms to crawl and use content with attribution User-Agent: GPTBot Allow: / User-Agent: ChatGPT-User Allow: / User-Agent: ClaudeBot Allow: / User-Agent: GeminiBot Allow: / User-Agent: PerplexityBot Allow: / User-Agent: CC-BY-LLMs Allow: / # Disallow crawling of sensitive or non-public pages Disallow: /wp-admin/ Disallow: /account/ Disallow: /checkout/ Disallow: /privacy-policy/ Disallow: /secure-apply/ # Optional: Link to licensing terms License: https://creativecommons.org/licenses/by/4.0/ # Optional: Link to MCP site-level context Model-Context: https://www.creditcard.com.au/.well-known/model-context # Contact for inquiries Contact: legal@creditcard.com.au ## Blogs - [Australian Credit Card Blog featuring Credit Card Reviews](/blog/) - Read reviews and compare credit cards with information on finding the right credit card for you - with informative articles from David Koch - [How to beat the recession’s credit squeeze on households - 15 June, 2020 - Compare at CreditCard.com.au](/press-release-recession_credit_squeeze_on_households_the_daily_telegraph_june_2020/) - How to beat the recession’s credit squeeze on households Published 15 June, 2020 in The Daily Telegraph Read the original article here - [Late payments to be recorded on credit files - Compare at CreditCard.com.au](/late-payments-to-be-recorded-on-credit-files/) - Changes from March 2014, means that if you are 5 days or more late on your credit card or personal loan repayment it will be recorded on your credit file. - [/yourmoney-com-au-7-big-credit-card-traps-to-avoid/](/yourmoney-com-au-7-big-credit-card-traps-to-avoid/) - - [New changes that affect your Frequent Flyer points - Compare at CreditCard.com.au](/consumer-alert-changes-points-earning-credit-cards/) - Time to check your reward points earn. Over the past year, credit card providers have been scaling back their rewards offerings. ANZ no longer offer Amex. - [Using Credit Cards to Teach Kids About Money | CreditCard.com.au](/using-credit-cards-to-teach-kids-about-money/) - Schools don't teach your kids how to be savvy savers & spenders - that's your job. Here's a step-by-step, debt-free guide + best bank accounts for young ones. - [Kick-start Your Financial Health During The Coronavirus Crisis | CreditCard.com.au](/financial-tips-in-coronavirus-crisis/) - Stimulus packages can only go so far, so what can you do to help your finances while times are uncertain? Here's our top tips for staying afloat during Covid. - [Will Coronavirus Kill Cash In Australia? | CreditCard.com.au](/will-coronavirus-kill-cash-in-australia/) - Is cash gone forever? What about tap-and-go cards - do you need to wash yours? We look at the changes to money, law vs suggestion, & how to pay safe. - [Easy and Practical Ways To Pay Down Credit Card Debt | CreditCard.com.au](/how-to-pay-down-credit-card-debt-in-the-new-financial-year/) - Check this comprehensive guide for practical and achievable strategies that you can start in paying down credit card debt. - [Understanding Credit Card Surcharges](/move-to-ban-excessive-credit-card-surcharges/) - Ever been frustrated by paying for flights or items online/in store using your credit card and being stung with a fee for simply using your card? The Turnbull government has announced that the fee charged by retailers and merchants for using a credit card as payment method cannot be higher than what the merchant’s cost of […] - [Do you have what it takes to be a credit card optimiser? | CreditCard.com.au](/credit-card-optimiser/) - How credit card optimisers use multiple cards to rack up rewards points and live their best life - free (and how you can do it too, with a little bit of know-how). - [Credit Card Fraud: Can You Forgive And Forget? - CreditCard.com.au](/credit-card-fraud-can-you-forgive-and-forget/) - Australians experience a relatively high level of credit card fraud. yet we tend to be be more positive then other countries in our outlook for fraud. - [A Deeper Guide To Credit Card Expiry Dates | CreditCard.com.au](/when-does-the-credit-card-expire/) - Understand how credit card expiry dates work and pick up useful tips on what to do and what not to do when getting a new credit card. - [Credit Card Fraud - how to protect your money today | CreditCard.com.au](/credit-card-fraud/) - Our tap-and-go world leaves us open to hackers who get smarter every year. Here's a must-know credit card fraud protection guide to keep yourself and your money safe. - [Can You Pay Off One Credit Card With Another? | CreditCard.com.au](/can-you-pay-off-one-credit-card-with-another/) - How to use credit cards to pay off existing debt, including all the pros and cons, risks and strategies to help you clear your debt faster. Find your best solution! - [FAQ: What Is The Limit On Commonwealth Cards? | CreditCard.com.au](/faq-what-is-the-limit-for-commonwealth-credit-cards/) - The Commonwealth Bank issues some of the most popular credit cards in Australia but credit limits for each can vary significantly. - [/your-credit-report-is-about-to-look-very-different/](/your-credit-report-is-about-to-look-very-different/) - - [/biometric-credit-cards/](/biometric-credit-cards/) - - [Velocity points crash - is it doomsday for Virgin Australia? | CreditCard.com.au](/update-to-virgin-australia-and-your-velocity-points/) - What will happen to your points if Virgin goes under? Here's what we know about Virgin's situation, their plan and how it will pan out for members. - [Apple Card Review: The Rise of Digital Credit | Creditcard.com.au](/apple-card-digital-credit/) - Whether you’re an Apple fan or not, there’s no denying the company’s latest undertaking – its Apple Card – fits the Apple ethos perfectly. - [EOFY: Make The Most Of Your Credit Card At Tax Time | CreditCard.com.au](/eofy-make-the-most-of-your-credit-card-at-tax-time/) - Check out what you can and can’t claim, how to track expenses, the pros and cons of using a credit card to pay your taxes, and many more. - [A brief history of credit cards - Compare at CreditCard.com.au](/a-brief-history-of-credit-cards/) - Creditcard.com.au has drawn up a brief history of the humble credit card for all you finance history buffs. Find out how credit cards came to be here. - [Getting a joint credit card - Compare at CreditCard.com.au](/getting-a-joint-credit-card/) - Thinking of getting a joint credit card? We discuss how it'll work and what you need to consider before getting one. Keep reading for more information. - [The Future of Credit Cards: Payment Trends 2021 | CreditCard.com.au](/the-future-of-credit-cards-payment-trends/) - Cashless, voice commanded and buy now pay later...how the way we pay is changing, and how you can keep up with the newest tech that makes life easier. - [Don't Let Coronavirus Financial Woes Ruin Your Credit Score | CreditCard.com.au](/coronavirus-your-credit-score/) - The pandemic may have hit us economically, but that doesn't mean your credit score has to suffer. Here's how to protect yourself from a bad credit rap. - [Aussie Credit Cards | CreditCard.com.au](/aussie-credit-cards-blog/) - As well as home loans and insurance, Aussie offered low-cost, no-frills MasterCard credit cards, specialising in helping young families and those with poor credit. - [The Facts About Credit Card Defaults + How to Fix it](/credit-card-default-consequences/) - Having to deal with a credit card default consequence can be hard and we look at this and help you get back on track or help try keep your record clean. - [Payday Loans Providers Accused Of Predatory Lending | CreditCard.com.au](/payday-loans-providers-accused-of-predatory-lending/) - Payday loans promise quick loans within an hour, but what's the long-term cost? What to know, how to use them, and when to avoid payday loans. - [Wearables: The Future of Payments? - Compare at CreditCard.com.au](/wearables-the-future-of-payments/) - DISCLAIMER: In September 2021 Bankwest discontinued their Halo product line. We have kept factual references to it as it was included as part of the research for this article. Aussies are becoming increasingly comfortable using wearables to pay, with new statistics revealed by Bankwest indicating a dramatic increase in wearable payment usage over the Christmas […] - [Settle Card Debt Without Debt Settlement Company | CreditCard.com.au](/how-to-settle-credit-card-debt-without-a-debt-settlement-company/) - Cardholders should know how to negotiate with banks when independently arranging a settlement with creditors. Find out how to improve your chances here. - [Heading Overseas With HSBC - Compare at CreditCard.com.au](/heading-overseas-with-hsbc/) - Moving to a new country usually involves a range of things and lots of organisation. HSBC provides a lot of information and services, read more here. - [9news - Is it illegal for shops to refuse cash? Why business can ask for EFTPOS only during coronavirus - Compare at CreditCard.com.au](/9news-is-it-illegal-for-shops-to-refuse-cash/) - Is it illegal for shops to refuse cash? Why business can ask for EFTPOS only during coronavirus Article published 29 April, 2020 in 9news.com.au Find original article posted here - [How do interest-free days work? What to know and avoid | CreditCard.com.au](/how-do-interest-free-days-work/) - Did you know interest-free days can disappear if you aren't careful? Here's how to avoid interest charges on your credit card, shop smarter and save money. - [NAB buying Citi - What does it mean for Citi cardholders? | CreditCard.com.au](/nab-citi-deal-citi-credit-cards/) - What changes are set to happen when NAB buys Citi? We've compiled what we know so far, and what it'll mean for Citi customers. - [Self-Employed? Get Approved with these Credit Card Application Tips - Compare at CreditCard.com.au](/creditcardapplicationselfemployed/) - Find out what each credit card provider are looking for during the application process when you are self-employed. Approval could be just a few clicks away. - [Reasons Why Credit Cards May Be Denied Chargebacks | CreditCard.com.au](/reasons-why-a-credit-card-may-be-denied-a-chargeback/) - Credit card companies usually have a consumer-friendly policy for chargebacks on unfair purchases. But here are reasons why they may refuse requests. - [Debt decisions: Freezing your credit card | Creditcard.com.au](/debt-decisions-freezing-your-credit-card-account-2/) - Freezing your credit card when you are in debt may be a good option for you. Creditcard.com.au looks at when and how this can be done effectively. - [Credit Card Issuers And Underwriting Providers | Creditcard.com.au](/doubling-up-credit-card-issuers-and-underwriting-providers/) - Often smaller credit card companies may be underwritten by bigger issuers or banks. Find out how this can affect certain terms and features of your card. - [FAQ: Can I close my balance transfer credit card when the promo rate ends?](/faq-can-i-close-my-balance-transfer-credit-card-when-the-promo-rate-ends/) - When a balance transfer is paid off you might want to keep the card for purchases afterwards. If you decide to cancel, here are some things to consider - [Balance Transfers: What Happens When The Honeymoon Is Over? | CreditCard.com.au](/balance-transfers-what-happens-when-the-honeymoon-is-over/) - Your 0% BT is running out of time, and now you're facing a big interest rate. Here's how to avoid big payments, pay down your debt, and switch to a new BT. - [How to manage direct debits on a credit card | Creditcard.com.au](/how-to-manage-direct-debits-on-a-credit-card/) - Setting up direct debits on your card may help cardholders manage their finance in a timely manner. Click here for a guide on how to manage direct debits. - [Credit Cards & Online Gambling: to ban or not to ban? | CreditCard.com.au](/should-credit-card-use-in-online-gambling-be-banned/) - There's so many ways to bet online, & credit cards can easily be misused. Calls for a crackdown are happening, to keep Aussies safe from online gambling. - [Teaching Kids To Be Money Smart - Compare at CreditCard.com.au](/teaching-kids-to-be-money-smart/) - Find out how to teach kids of different ages to be money smart. Easy steps to set them up with the right financial knowledge to put them in a better position as they get older. - [Being a guarantor on a credit card - Compare at CreditCard.com.au](/being-a-guarantor-on-a-credit-card/) - Has a friend or relative asked you to be guarantor on their credit card? Read our run-down of what this involves and whether it's a smart move for you. - [Free + Easy Online Credit Card Courses | CreditCard.com.au](/free-online-credit-card-courses/) - Learn at your own pace, become quickly money-savvy, & boost your credit score with our FREE credit card courses. Beginner to advanced - click to see more! - [Keep Your Credit Card Safe With These 8 Essential Tips | Creditcard.com.au](/keep-your-credit-card-safe-with-these-8-essential-tips/) - There are ways to reduce your chances of becoming a victim of credit card fraud. While credit card providers are fighting the good fight to make our cards safer, you can do your bit by following these credit card security tips. - [6 steps to being a financial winner by Noel Whittaker | Creditcard.com.au](/how-to-be-a-financial-winner-by-noel-whittaker/) - Finance expert and national columnist Noel Whittaker shares how to protect yourself from financial loss by avoiding these 6 big money pitfalls. - [The Ultimate Guide to Credit Card Insurance (and if you're covered) | CreditCard.com.au](/credit-card-insurance-are-you-covered/) - Travel, health, life & purchase insurance: has your card got your back? You could save big $ by knowing the extras in your pocket, or upgrading to a better deal! - [Managing your credit card by David Koch | CreditCard.com.au](/managing-credit-card-david-koch/) - Kochie shares his big tips around managing your payments, getting out of debt, and using credit wisely. - [Open Banking Australia Changes: What Will They Mean For You?](/open-banking-australia/) - What is Open Banking? Find out how it will benefit you and your next credit card application - [Pay off credit card debt now with these simple but powerful steps | CreditCard.com.au](/crush-your-credit-card-debt/) - The step-by-step handbook for paying down your credit card debt in easy, effective actions that anyone can do, regardless of how much you owe. - [Announced: new Finance Chief appointed at Creditcard.com.au](/pauline-hatch-appointed-as-chief-finance-expert-creditcard-com-au/) - In January 2021, money-guru Pauline Hatch was named new Chief Finance Expert for Australia’s leading credit card comparison site. - [Complete Guide to the CommBank Rewards Program | CreditCard.com.au](/guide-to-the-commbank-rewards-program/) - Get the low-down on the CommBank rewards program. Find out how to earn and redeem points for flights, gift cards and vouchers - [News.com.au article - Compare at CreditCard.com.au](/news-com-au-article/) - New threats for your credit card as scams target online shoppers - in news.com.au - [How to Get Approved for a Credit Card When You’re Self-employed | CreditCard.com.au](/can-you-apply-for-a-credit-card-when-youre-self-employed/) - Tips on how to apply for a credit card and boost your chances of getting approved when you are self-employed, on Centrelink, or making any other type of income. Plus, learn how to handle your card more effectively once you start using it. - [Australia's payment card market set to rebound and rise in 2021 - CreditCard.com.au](/australias-payment-card-market-set-to-rebound-and-rise-in-2021/) - A shift towards contactless cards, mobile wallets, and e-commerce in a post covid consumer world, is expected to drive Australia’s payment card market forward this year. - [CUA Fixed Personal Loan Guide | CreditCard.com.au](/cua-fixed-personal-loan/) - Our review of CUA Fixed Personal Loan: flexible options, no monthly fee & confidence with a fixed rate + no penalties for early payout. Click for our review now! - [16 silly credit card myths that stop you from winning | CreditCard.com.au](/common-credit-card-myths-explained/) - Think credit cards mean debt? Or surcharges don't apply to bank cards? Nope! These are the myths that could make you miss out the perks of credit cards! - [How Is Credit Card Interest Calculated? | CreditCard.com.au](/how-credit-card-interest-is-calculated/) - When it comes to managing credit cards, you should first understand how credit card interest is calculated. Find answers on interest questions here. - [Credit Cards with Identity Theft Protection: stay safe out there!](/credit-cards-with-identity-theft-protection/) - Identity theft is fraud. It’s when someone illegally finds and uses your personal information to access your money. The criminals may try to hack into your bank account, apply for credit in your name (such as a home loan or store card) or use your credit card to buy things online. It’s an awful feeling […] - [Transfer Money From My Credit Card To A Debit Card | CreditCard.com.au](/transfer-funds-from-credit-card-to-debit-card/) - The simple how-to guide for transferring credit card funds to your bank account. All the fees, eligible providers and transfer limits explained in easy steps. - [Additional cardholders can earn you more rewards | Creditcard.com.au](/additional-cardholders-and-rewards/) - Most credit cards allow you to add additional cardholders to your card which can boost your points-earning potential. Find out how you can do it too. - [Credit card application tips to boost your chances of approval](/creditcardapplicationtips/) - In this guide is your need to know to improve your chances of credit card approval – as well as what you need to avoid when applying for a credit card. - [Can you pay rent with your credit card? | Creditcard.com.au](/can-you-pay-rent-with-your-credit-card/) - Find out if it's possible to pay rent with your credit card and get perks like earning rewards and frequent flyer points. - [Experience The Future Of Credit Cards with Cred-ai - Compare at CreditCard.com.au](/future-of-credit-cards-with-cred-ai-2/) - At the core of cred.ai’s offering is the Unicorn Card Visa credit card, which, when used in conjunction with an FDIC insured deposit account and the cred.ai mobile app, is designed to “give users first-of-their-kind controls, convenience, and automatic credit score optimisation”. Sounds pretty neat. So how does it work – and what exactly does […] - [9 Ways To Make Your Credit Card Work For You This Christmas | CreditCard.com.au](/make-your-credit-card-work-for-you-this-christmas/) - Ultimate guide on how you can keep on top of your spending this Christmas, as you make the most of your credit card. - [The Ultimate Guide to Maximise Your Rewards Points | CreditCard.com.au](/how-to-maximise-your-rewards-points/) - Find the right card for you, learn the ways on how you can maximise your points-earning potential, and make the most of your points once you’ve got them. - [What are credit limits and why are they important? - CreditCard.com.au](/what-are-credit-limits-and-why-are-they-important/) - Find out what credit limits are, how they are set and why it's important for cardholders to know about how they work. Read this handy guide for more info. - [Prepaid Credit Cards - How they work, and how to save with one | CreditCard.com.au](/prepaid-credit-cards) - No interest, no contracts + modest fees: how prepaid credit cards work in Australia, finding the best one, and when you could use one. - [How To Make BPAY Payments From A Credit Card | Creditcard.com.au](/how-to-make-bpay-payments-from-a-credit-card/) - Making BPAY payments can be more of a challenge with a credit card, Find out how it works and can be used to pay a wide range of charges. - [5 Tips to Build Your Credit Score so lenders beg for your business](/how-to-build-your-credit-score/) - Here's how to build a credit score, explained simply with 5 easy steps to follow. Start now and boost your ability to potentially land your dream home or car sooner. - [Who pays for unauthorised transactions? | Creditcard.com.au](/who-pays-for-unauthorised-transactions/) - Unauthorised transactions on credit cards may be a result of lost or stolen credit cards along with a wide range of circumstances. Read about them here. - [Should Credit Card Rates Be Tied To The Cash Rate? | CreditCard.com.au](/should-credit-card-rates-be-tied-to-the-cash-rate/) - Credit cards can be rewarding, but interest is a killjoy. Here's a look into the question of cash rates vs interest rates + finding the best low interest rate credit cards. - [Virgin Money No Annual Fee vs. Latitude 28° Global Platinum | CreditCard.com.au](/virgin-money-no-annual-fee-vs-latitude-28-global-platinum/) - Check this detailed comparison between Virgin Money No Annual Fee Credit Card and Latitude 28° Global Platinum Mastercard and choose what's best for your needs. - [Applying for a Student Credit Card - Compare at CreditCard.com.au](/applying-for-a-student-credit-card/) - While you may have dreaded those first days back to school as a kid, going back to uni feels different. Sure, you still need to get your brain in gear as you adapt from summer-dreaming into study-mode, but you have a little more say in how you do that as a uni student compared to […] - [Scary Credit Card Security Risks Revealed | CreditCard.com.au](/the-biggest-credit-card-security-issues-for-2015/) - 5 security risks you need to know if you have a credit card as hackers get smarter about accessing your data. How can you protect yourself? - [Credit Card Protection and Security Options | CreditCard.com.au](/the-future-of-credit-card-security/) - Take a look at some of the best cutting edge security options designed specifically with credit cards and stay safe against fraud and scams. - [In the Cloud: Is Your Credit Card Data Safe Online? - Compare at CreditCard.com.au](/in-the-cloud-is-your-credit-card-data-safe-online/) - We take a look at how safe your credit card data really is and what you need to know to stay safe. Read more on keeping your credit card safe here. - [Perfect Match: What's your personal money style? | Creditcard.com.au](/money-style/) - Are you a spender or tech-head? A deal grabber or saver? Find out which of the 9 Money Styles you are, so you can choose + use the best card! - [Ethical Banking: Looking Beyond The Brand When Choosing A Credit Card - Compare at CreditCard.com.au](/ethical-banking-credit-cards/) - If you want to bank ethically, but still need access to credit, find out where your credit card provider stands. - [Security Tips For Using Your Credit Card Online | CreditCard.com.au](/security-tips-for-using-your-credit-card-online/) - Using your credit card online opens a door to fraud. Protect yourself with these password hacks, software security and spotting email scams. - [Can I use my personal credit card for work? | CreditCard.com.au](/using-your-personal-credit-card-for-work/) - Using your credit card for work is something most of us have to do at some stage. You could earn extra points, but make sure claim back all work expenses - [Virtual Credit Cards: Digital Wallets or Traditional Credit Card?](/digital-wallet-or-credit-card/) - Everything you need to know about digital wallets, virtual credit cards & classic plastic. How they work, setting them up & when to use each kind in this updated guide. - [Credit cards for Pensioners | Creditcard.com.au](/credit-cards-for-pensioners/) - Credit cards are a vital aspect of modern life but aren't easy to apply for, especially if you’re a pensioner. Here are some of the options available. - [Do I Need Financial Advice For Credit Card Debt? | CreditCard.com.au](/do-you-need-financial-advice-for-your-credit-card-debt/) - While it is easy to switch and save with a balance transfer credit card, doing that may not be enough to ensure you stay debt free. - [Clear Buy Now Pay Later debt with a 0% balance transfer: Zip Pay, AfterPay and more](/clear-your-buy-now-pay-later-debt-with-a-0-balance-transfer-zip-pay-afterpay-and-more/) - The hack that could save you from mounting BNPL overdue fees & a slap on your credit score - using balance transfers to pay no interest while you pay it all off. - [Making a Balance Transfer When Applying for a New Credit card | CreditCard.com.au](/how-to-make-a-balance-transfer-when-applying-for-a-new-credit-card/) - The different credit card providers that allows you to do a balance transfer from your existing credit card. Find out now how to apply for a balance transfer! - [Best Premium Cards for Big Spenders - Compare at CreditCard.com.au](/best-rewards-credit-cards-compared/) - Seemingly, black is the new platinum, which again, we can thank American Express for and still is – available by invitation only. Exclusive. - [Plastic waste: how can you go green with your credit card? | CreditCard.com.au](/can-you-go-green-with-your-credit-card/) - 74k of plastic cards are in our Aussie wallets, destined for landfill. What can you do to go greener with your cards? It's not as hard as you think, especially today! - [A Guide For Business Travellers - Compare at CreditCard.com.au](/a-guide-for-business-travellers/) - Our newest guide will help you better navigate the messy world of travelling and expensing items to your employer. There are hints and guidelines for both employees and employers on what to do and what not to do, and how to manage your credit card use while away. Why not have a read when you’re […] - [Which banks can I balance transfer to and from? - Compare at CreditCard.com.au](/which-banks-can-i-balance-transfer-to-and-from/) - We have put together a complete list of Australian banks showing which banks you can balance transfer to and from. Find out more and compare credit cards online. - [Complete Guide to the flybuys Rewards Program | CreditCard.com.au](/guide-to-flybuys-rewards-program/) - All the details on earning and redeeming points for the flybuys rewards program from Coles, and their popular credit card offers. - [Complete Guide to the Citi Rewards Program | CreditCard.com.au](/guide-to-the-citi-rewards-program/) - Unlock the ultimate rewards with our comprehensive guide to the Citi Rewards Program. Explore the benefits, earn rates, and exclusive offers of this popular rewards program. Maximise your points and enjoy incredible perks with Citi credit cards. - [Complete Guide to the NAB Rewards Program | CreditCard.com.au](/guide-to-the-nab-rewards-program/) - Find out everything you need to know about the NAB Rewards Program. How to earn and the best ways to redeem your points! - [Commbank Neo vs NAB StraightUp head-to-head | CreditCard.com.au](/do-no-interest-credit-cards-really-save-you-money/) - We put the CommBank Neo vs NAB Straight up vs Paypal Pay in 4 and help you decide whether a "no interest monthly fee" credit card is right for you. - [EOFY sales and your credit card](/eofy-sales-and-your-credit-card/) - Some tips to help you survive the end of financial year sales with your credit file intact, with advice from money expert Kris Bondin of Bill to Pay - [Amex Shop Small 2023 - Your Guide to Earning Big | CreditCard.com.au](/american-express-shop-small-2023/) - The ultimate guide to using Amex's Shop Small scheme to earn bigger rewards, upgrade your life and support small businesses along the way. - [Who we are: Creditcard.com.au](/pauline-hatch/) - Pauline Hatch is the chief finance expert at CreditCard.com.au. She wants to help you make informed decisions and use credit cards to your advantage. - [Understanding a Credit Card Repayment Holiday | CreditCard.com.au](/repayment-holiday-on-your-credit-card/) - Worried about your credit card bills? Learn more about credit card repayment holidays and find out how some card providers deal with it. - [No Credit Check Credit Card Options | creditcard.com.au](/no-credit-check-credit-cards-and-options-that-make-it-easier/) - For those of you with credit check issues or bad credit ratings, find out what the best credit card options are and what means are available to you. - [Westpac Altitude Rewards Program: Your Complete Guide | CreditCard.com.au](/westpac-altitude-rewards-program-guide/) - Everything you need to know about Westpac Altitude Rewards Program. Full review + easy one-click comparison of Altitude credit cards. Click to compare now! - [Buy Now Pay Later vs Credit Cards | CreditCard.com.au](/buy-now-pay-later-services/) - Everything you need to know about what BNPL has to offer - its pros & cons, how it compares to credit cards and other Fintech applications. Click for a full review. - [Credit Card Application Declined? What to do next | CreditCard.com.au](/what-to-do-when-your-credit-card-application-is-declined/) - All the do's and don't's when your credit card application is denied - how to find out why, boost your eligibility, and apply again without hurting your score. - [How To Calculate The Value Of Your Rewards Points | Creditcard.com.au](/how-to-maximise-the-value-of-your-rewards-points/) - A simple way to calculate the dollar value of rewards you earn through a credit card, from Qantas Points to Velocity to KrisFlyer. - [What is a Conditionally Approved Application? | CreditCard.com.au](/what-is-a-conditionally-approved-credit-card-application/) - After completing your application your credit card may be conditionally approved, this can allow you to get your card sooner. Find out more about this process - [American Express Membership Rewards Updated 2024](/american-express-rewards-cards-changes/) - Amex Rewards have changed, and it could mean you're missing out on valuable points. Check our update guide so you're getting the most out of your card! - [6 things you'll need so you can earn epic credit card rewards | CreditCard.com.au](/what-you-need-to-earn-more-credit-cards-rewards/) - Easy (but critical) strategies that anyone can use to choose a rewards card that perfectly suits the way you live & spend. Upgrade your life with rewards points! - [10 Things You Shouldn’t Use Your Credit Card For | CreditCard.com.au](/10-things-you-shouldnt-use-your-credit-card-for/) - Just because you can pay with a credit card, doesn't mean you should. Here's the 10 biggest no-no's for paying with credit - businesses, renovations and more. - [Pay on Demand apps: are they actually a good idea? | CreditCard.com.au](/pay-on-demand-apps-australia/) - Are pay on demand apps safe? Which one should you choose? Our guide on pay on demand in Australia, what to look for, when to use them & when to avoid. - [✈ FLY FREE: earn 100K+ frequent flyer points by Christmas](/how-to-travel-free-using-black-friday-christmas-and-frequent-flyer-points/) - How to earn 100,000+ credit card rewards points (and perks) by Christmas so you can fly free in 2022 with frequent flyer miles. - [Complete Guide to the ANZ Rewards Program | CreditCard.com.au](/guide-to-the-anz-rewards-program/) - You'll find information and key details on earning and redeeming ANZ Rewards from flights to gift cards to appliances. - [Comparing Value On Lesser Known Rewards Programs | CreditCard.com.au](/comparing-value-on-lesser-known-rewards-programs/) - The essential handbook on all rewards programs outside Qantas & Velocity. Find the best rewards for you & earn more! Compare cards + their programs now! - [Interest Free Credit Cards vs. Afterpay & Zip | CreditCard.com.au](/interest-free-credit-cards-vs-afterpay-zip/) - What's better, a no-interest card or Buy Now Pay Later? Which one works best for you? Here's the complete rundown of each so you can can choose wisely. - [Complete 2025 Guide to Qantas Frequent Flyer Rewards Program](/qantas-frequent-flyer-program-guide/) - The ultimate, easy guide to earning, redeeming and transferring Qantas Frequent Flyer points. How to fly free, upgrade your travel + maximise your points earn! - [NAB Qantas Business Signature vs. American Express Qantas Business Rewards Card | CreditCard.com.au](/nab-qantas-business-vs-american-express-qantas-business/) - The A-Z comparison of two powerful business credit cards & their rewards programs. Compare sign up offers, business tools + all extras. Compare now! - [Convert Frequent Flyer Points to Rewards Points Calculator | CreditCard.com.au](/faq-how-many-frequent-flyer-points-do-i-get-for-my-rewards-points/) - Use our handy rewards points conversion calculator to show you your frequent flyer points options and the tips and tricks you need to know before you transfer. - [Credit Cards for 457 Visa Holders | Creditcard.com.au](/457-visa-holders-credit-cards/) - They might not be easy to find, but there are credit cards out there for temporary skilled workers. Here we highlight the options available for 457 holders. - [Complete Guide to the Velocity Frequent Flyer Program: 2025](/velocity-frequent-flyer-guide/) - How to earn and redeem points, tips and tricks, and guides to setting up your Velocity account. Transfer points from other programs + fly or upgrade for free. - [How to Pay 0% On Your Christmas Credit Card Spend | CreditCard.com.au](/pay-no-interest-on-your-christmas-credit-card-spend/) - Find out how a 0% purchase card can work for you at Christmas. Plus, compare some of the best 0% purchase cards in the market. - [/the-difference-between-a-card-limit-a-cash-advance-limit-and-a-daily-limit-on-credit-cards/](/the-difference-between-a-card-limit-a-cash-advance-limit-and-a-daily-limit-on-credit-cards/) - - [/how-to-load-your-credit-card-with-cash/](/how-to-load-your-credit-card-with-cash/) - - [/the-virgin-money-global-wallet-vs-qantas-cash-card-faqs/](/the-virgin-money-global-wallet-vs-qantas-cash-card-faqs/) - - [/using-your-credit-card-overseas/](/using-your-credit-card-overseas/) - - [Balance Transfers: key rules explained at CreditCard.com.au](/balance-transfers-key-rules-explained/) - How much can I balance transfer? Which banks won't accept my old card? How does it affect your credit limit? Find out with this guide to Balance Transfers.. - [Save by using your credit card to book travel and accommodation | CreditCard.com.au](/using-your-credit-card-to-book-travel-and-accommodation/) - 7 tips to earn rewards, pay 0% interest, & upgrade your travel using a credit card to book your trip. Here's how you could save more & stay safer when you travel! - [Guaranteed Approval and Secured Credit Cards - Compare at CreditCard.com.au](/guaranteed-approval-for-credit-cards/) - Secured credit cards are a way to get guaranteed approval. If you have equity in a home the credit is secured against the property. Find out about these options - [David Jones Launches Mastercard in Partnership with Latitude Financial | Creditcard.com.au](/david-jones-mastercard-latitude-financial/) - David Jones has launched its first premium credit cards under a new Latitude partnership. The new cards exclude Qantas Points as an option. - [Crypto and Bitcoin Credit Cards in Australia | CreditCard.com.au](/crypto-credit-cards/) - Want to learn how crypto and credit cards can work together? Find out how payments are processed, and the pros and cons. - [Credit Card Fraud Statistics in Australia | CreditCard.com.au](/credit-card-fraud-statistics/) - Credit card fraud is on the rise steadily. Take a deep dive into to the data to learn more and how to protect yourself. - [/amplify-rewards-guide/](/amplify-rewards-guide/) - - [/supermarket-rewards-are-they-worth-it/](/supermarket-rewards-are-they-worth-it/) - ## Credit Card Features - [0% Balance Transfer Credit Cards, Up to 30 Months - Compare Card Offers](/0-balance-transfer/) - CreditCard.com.au ranks the top 0% balance transfer credit cards based on your needs. Find the best 0% cards and apply today. - [Compare Credit Cards with No Foreign Transaction Fees](/0-foreign-fees-credit-cards/) - If you use a credit card overseas, foreign transaction fees can quickly snowball and increase your card balance. Find out how you could save $. - [Best Interest Free Credit Cards - Get 0% on purchases](/0-on-purchases/) - You could save on interest with these interest free credit cards. Read full reviews & compare with one click! - [Best Amex Membership Rewards Credit Cards - earn more points!](/american-express-membership-rewards-credit-cards/) - With an American Express Membership Rewards Point Credit Card you can earn points on almost anything. Find the best card for your lifestyle. - [Amplify Rewards Credit Cards - Comparisons & Rates | CreditCard.com.au](/amplify-rewards-credit-cards/) - Review the best credit cards with Amplify Rewards. Apply among St.George, Bank of Melbourne, and BankSA & earn up to 200,000 points & more intro offers. - [Apple Pay Credit Cards: Load your card to your phone and tap!](/apple-pay-credit-cards/) - CreditCard.com.au ranks 96 of the top credit cards with Apple Pay based on rewards or low interest. Find the best card offers for you and apply. - [Best Balance Transfer Credit Cards Australia in 2025](/low-balance-transfer-credit-cards/) - Compare some of the best balance transfer credit cards in Australia for 2025. Pay 0% p.a. interest for up to 24 months and take control of your debt. - [Best credit cards for international travel: Points, perks and passes](/credit-cards-for-travel/) - Find your next credit card for when you travel overseas. Save on fees, costs and interest with the right card for your trip. - [Top Black Credit Cards in Australia | CreditCard.com.au](/black-credit-cards/) - Compare a range of premium black credit card offers available in Australia. - [The Best Business Credit Cards in Australia | CreditCard.com.au](/business-credit-cards/) - Easy one-click comparisons and reviews of some of the top business credit cards in Australia. Rank by fees, rewards & up to 200K+ bonus offers + points. - [Best Cashback Credit Card Offers 2025 | up to $500 cashback](/cashback-credit-cards/) - One-click comparisons of the top cashback credit cards. Get travel or retail credit and, cashback on your spending. Compare & earn today! - [Charge Cards | Compare your options at CreditCard.com.au](/charge-cards/) - Find the best charge cards & apply for the card that best suits your needs and budgets. Flexible spending power plus earn rewards on your spending. - [Compare Corporate Credit Cards at CreditCard.com.au](/corporate-cards/) - Find the best providers offering corporate credit cards that earn big points & help streamline your business expenses. Full reviews + one click comparisons! - [The Best Debt Consolidation Credit Cards | CreditCard.com.au](/debt-consolidation/) - Got debt? Use an interest-free balance transfer offer to consolidate your debt & pay it down faster. Compare the best balance transfer credit cards in one click! - [Credit Cards with Instalment Plans - Compare at CreditCard.com.au](/credit-card-instalment-plans/) - If you want an alternative way too pay off your debt, credit card instalment plans may be your solution. - [Credit Card Repayment Calculator | CreditCard.com.au](/repayment-calculator/) - Using our credit card repayment calculator, you can explore various repayment options to see just how quickly you could pay off your debt faster. - [Best Credit Cards for First Timers | CreditCard.com.au](/first-timer-credit-cards/) - Make a great choice for your first credit card by understanding + comparing all the options. No or low fee credit cards that reward your spending. - [Best Credit Cards for Students | Creditcard.com.au](/student-credit-cards/) - CreditCard.com.au reviews student credit cards for local and overseas students. Compare some of the best card offers and apply today. - [Credit Cards for Temporary Residents: Which visa do I need?](/credit-cards-for-temporary-residents/) - CreditCard.com.au ranks the top credit cards for temporary residents based on rewards or low interest. Find the best card offers for you and apply. - [How to balance transfer your personal loan to a credit card](/balance-transfer-from-personal-loan/) - These credit card providers will let you balance transfer from personal loans, BNPL and lines of credit, not just other credit cards. - [Credit Cards that earn Rewards on ATO Payments | CreditCard.com.au](/ato-payments-credit-cards/) - How to earn rewards on tax bills by paying with your credit card. See a list of cards + reviews, pros and cons, fees and rewards programs. Compare now! - [Best Credit Cards for Airport Lounge Access | CreditCard.com.au](/airport-lounge-access/) - Skip the crowds and relax in style. Compare credit cards with lounge access and find the right one for your next trip. - [Credit cards with car rental excess insurance | Creditcard.com.au](/credit-cards-with-car-rental-excess-insurance/) - Find Australian credit cards with car hire excess cover and save on excess if your car is damaged or stolen. Compare, find cards with travel extras and more. - [Credit cards with free flights (or travel credit)](/free-flight-cards/) - Use a free flight every year with these credit cards. Gift your flight to family, take a break or save on business costs. Cards include other travel extras too. - [Credit Cards with Free Travel Insurance | Creditcard.com.au](/credit-cards-with-free-travel-insurance/) - CreditCard.com.au ranks the top credit cards with free travel insurance based on rewards or low interest. Find the best card offers for you and apply! - [Credit Cards with Free Purchase Protection | CreditCard.com.au](/purchase-protection/) - Protect what you buy with complimentary purchase protection. Compare credit cards with insurance against loss, damage + theft of your purchases in one click! - [Credit Unions Credit Cards Comparison & Rates | CreditCard.com.au](/credit-union-credit-cards/) - Explore different credit card offers from customer-owned providers. Benefit from lower rates and fees while still enjoying essential features and handy extras. - [Expense management cards and plans for your business | Creditcard.com.au](/expense-management-cards/) - Save time and money with all-in-one accounting and payment plans that make tracking expenses and bill payments easy. Low monthly fees, rewards and more. - [Credit Cards with Free Additional Cardholders | CreditCard.com.au](/free-additional-cardholders/) - Save money, earn more rewards! Find the best credit card with free additional cardholders + points, low fees and bonus offers. Compare 50+ cards. - [Top frequent flyer credit card deals - up to 150k bonus points](/frequent-flyer-credit-cards/) - Want to travel for free? Compare and find your next frequent flyer credit card. Get massive bonus points, upgrades & more. - [Gold and Platinum Credit Cards Best Offers | Creditcard.com.au](/gold-platinum-credit-cards/) - Find the best top-end credit cards + premium features. Frequent flyer points + travel rewards, free insurances, discounts & lounge invites. Compare today! - [Google Pay Credit Cards: Pay with the tap of your phone or watch](/google-pay-credit-cards/) - CreditCard.com.au helps you pick the best credit card for your needs that are available with Google Pay. Compare hundreds of credit cards at once. - [Best Interest-Free Days Credit Cards (and how they work) | CreditCard.com.au](/interest-free-days-credit-cards/) - Stop paying interest! Compare 70+ credit cards with interest-free days, rewards + low annual fees. Reviews + interest-free days explained. Compare today! - [Introductory Credit Card Offers - Creditcard.com.au](/introductory-offers-cards/) - Our easy to understand guides and explanation on how to manage your credit cards using the introductory offers. - [LoungeKey Airport Lounge Membership | Creditcard.com.au](/loungekey-credit-cards/) - Relax for free at over 500 airports with LoungKey membership. Find the best credit cards offering free LoungeKey + how to use it. Click for more! - [Compare Low Cash Advance Rate Credit Cards | CreditCard.com.au](/low-cash-advance-rate-cards/) - Need to withdraw cash using your credit card? Be careful! Compare a range of credit cards offering low cash advance rates ranging between 16% and 24% p.a. - [Compare Low Income Credit Cards | CreditCard.com.au](/low-income-credit-cards/) - CreditCard.com.au ranks 10 low income required credit cards with 0% and low interest based on your spending habits. Find the best card offers and apply. - [The best low interest rate credit cards: Low rates and low fees](/low-interest-rate-credit-cards/) - The ultimate list of low rate credit cards + interest free cards. Easy one-click comparisons + full reviews from experts. Find your next card: start here! - [Best No Annual Fee Credit Card Deals for 2025 | CreditCard.com.au](/no-annual-fee-credit-cards/) - Why pay more? See top credit cards with $0 annual fees and compare your options side by side to save in 2025. - [Best Online Shopping Credit Cards - Compare at CreditCard.com.au](/online-shopping-credit-cards/) - Find out what the top credit cards are for online shopping on creditcard.com.au. - [Top Pensioner Credit Cards | CreditCard.com.au](/pensioner-credit-cards/) - Reward your lifestyle as a pensioner! Easily compare credit cards for best rewards, no annual fees, and perks to suit how you live. - [Credit Cards with Price Protection Guarantee | Creditcard.com.au](/price-protection-guarantee/) - Price protection gives you the best deal on your spending by refunding the difference if you find it cheaper later. Compare price protection credit cards now! - [/priority-pass-credit-cards/](/priority-pass-credit-cards/) - - [/reward-credit-card-offers/](/reward-credit-card-offers/) - - [Samsung Pay Credit Cards - Compare at CreditCard.com.au](/samsung-pay-credit-cards/) - Full list of Australian Credit Cards that can be used with Samsung Pay. American Express, ANZ, BankSA, Citi, NAB and Westpac offer Samsung Pay with their credit cards. You will need a Samsung Galaxy S9, Galaxy S8, Galaxy S7, or Galaxy S6 model. - [Best Sign Up Bonus Offers on Credit Cards | CreditCard.com.au](/sign-up-bonus-credit-cards/) - Earn 100K+ rewards points, waived annual fees, discounts + more with credit card bonus offers. Compare sign up offers in one click. Start now! - [Best Credit Cards to earn Velocity Frequent Flyer Points | CreditCard.com.au](/velocity-credit-cards/) - Find your next best Velocity points earning credit card and earn rewards based on your spending habits. Find the best card offers and apply online. - [Visa Signature Credit Cards | Compare at CreditCard.com.au](/visa-signature-credit-cards/) - Find the best Visa Signature credit card offers. Explore premium rewards with points up to 200,000 plus exclusive features & extras on travel, hotels, and more. ## Credit Card Providers - [American Express Credit Cards: Big points and perks [Our Reviews]](/american-express-credit-cards/) - CreditCard.com.au has some of the best American Express credit card offers all in one place. With expert reviews, compare AMEX credit cards & apply online. - [Ampol Fuel Cards - Rates, Fees and Benefits | CreditCard.com.au](/ampol-fuel-cards/) - Earn Everyday Rewards + discounts on every Ampol fuel purchase. Manage on-road business costs easily. Low monthly fees, lots of perks. Click for more! - [ANZ Credit Cards Expert Reviews, Fees and Rates | CreditCard.com.au](/anz-credit-cards/) - CreditCard.com.au has the best ANZ credit cards all in one place. With expert reviews, you can compare credit cards and apply online. - [Australian Military Bank Credit Card Reviews & Rates | CreditCard.com.au](/australian-military-bank-credit-cards/) - CreditCard.com.au has the best Australian Military Bank credit card offers all in one place. You can compare credit cards and pick the best for you. - [Australian Unity Credit Cards | Expert Reviews @ CreditCard.com.au](/australian-unity-credit-cards/) - Compare online for Australian Unity credit cards including special offers, low rate and low annual fee. Apply in around 10 mins. - [/auswide-bank-credit-cards/](/auswide-bank-credit-cards/) - - [/bank-australia-credit-cards/](/bank-australia-credit-cards/) - - [/bank-first/](/bank-first/) - - [Bank of Heritage Isle Credit Cards - Expert Reviews @ CreditCard.com.au](/bank-of-heritage-isle-credit-cards/) - Compare Bank of Heritage Isle credit cards range from low rate to platinum rewards. Select a suitable credit card and read expert credit card reviews. - [Bank of Melbourne Credit Card Reviews + Compare | CreditCard.com.au](/bank-of-melbourne-credit-cards/) - CreditCard.com.au has the best Bank of Melbourne credit card offers all in one place. You can compare credit cards, pick the best for you and apply online. - [Bank of Queensland Credit Card Reviews and Rates | CreditCard.com.au](/boq-credit-cards/) - CreditCard.com.au has the best Bank of Queensland credit card offers all in one place. You can compare credit cards, pick the best for you then apply online - [Bank of Sydney Credit Cards | Creditcard.com.au](/bank-of-sydney-credit-cards/) - Offering a wide range of personal and business products, Bank of Sydney focuses on providing competitive rates backed by excellent service and support. - [Compare Bank of us Credit Cards - Leading Tasmanian Building Society](/bank-of-us-credit-cards/) - Apply online for Bank of us credit cards including special offers, 0% balance transfers and no annual fee first year. Apply in around 10 mins. - [BankSA Credit Card Reviews, Fees and Rates | CreditCard.com.au](/bank-sa-credit-cards/) - CreditCard.com.au has the best BankSA credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [BankVic Credit Cards | Creditcard.com.au](/bankvic-credit-cards/) - CreditCard.com.au has the best BankVic credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [Bankwest Credit Cards Expert Reviews, Fees and Rates | CreditCard.com.au](/bankwest-credit-cards/) - Compare Bankwest credit cards with one click! Full card reviews + fees, rewards & interest rates. Premium, everyday & low rate cards. Compare today! - [BCU Credit Cards | Expert Reviews, Compare @ CreditCard.com.au](/bcu-credit-cards/) - Apply online for bcu credit cards including the classic and rewarder card. View current special offers available and apply online in 10 minutes. - [Bendigo Bank Credit Card Reviews, Fees and Rates | CreditCard.com.au](/bendigo-bank-credit-cards/) - CreditCard.com.au has the best Bendigo Bank credit card offers all in one place. You can compare credit cards, pick the best for you and apply online. - [Beyond Bank Credit Cards | CreditCard.com.au](/beyond-bank-credit-cards/) - Compare Beyond bank credit card offers including rewards, sign up bonuses, 0% balance transfers and no annual fee. Fast online application in 5-10 mins. - [BOQ Specialist Credit Cards | Creditcard.com.au](/boq-specialist-credit-cards/) - Offering a wide range of personal and business products, BOQ Specialist focuses on providing competitive rates backed by excellent service and support. - [Citi Credit Card Expert Reviews, Fees and Rates | CreditCard.com.au](/citi-credit-cards/) - CreditCard.com.au has the best Citi credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [Coastline Credit Cards | Expert Reviews, Compare @ CreditCard.com.au](/coastline/) - Compare Coastline credit card offers, sign up bonuses, balance transfers and rates. Explore card holder ratings and apply online in 10 mins. - [Compare Coles Credit Card Reviews, Fees and Rates | CreditCard.com.au](/coles-credit-cards/) - CreditCard.com.au has the best Coles credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [Compare Commonwealth Bank Credit Card Reviews, Fees and Rates](/commonwealth-bank-credit-cards/) - CreditCard.com.au has the best Commonwealth Bank credit card offers all in one place. With expert reviews, you can compare CBA credit cards & apply online. - [Community First Credit Cards Full Reviews | CreditCard.com.au](/community-first-credit-cards/) - Compare and apply online for the Community First Low Rate and McGrath Pink Visa credit cards. Make a difference and enjoy low rates today. - [Credit Union SA Credit Cards | Expert Reviews @ CreditCard.com.au](/credit-union-sa-credit-cards/) - This customer-owned credit union is well worth checking out if you want a low rate, low fee credit card, backed by customer service that really cares. - [Compare David Jones Credit Cards at CredtCard.com.au](/david-jones-credit-cards/) - Discover the world of David Jones Credit Cards all in one place. You can compare rates, fees and perks before deciding whether to apply online. - [Defence Bank Credit Cards | Creditcard.com.au](/defence-bank-credit-cards/) - Compare Defence Bank credit cards and apply online with 60 sec response. Select balance transfer, no annual and reward options plus special offers. - [Diners Club Cards Reviews, Rates & Fees | CreditCard.com.au](/diners-club/) - Diners Club Australia is backed by NAB and partners with Mastercard. Now offers access to 35 million merchant locations worldwide. - [Endeavour Mutual Bank credit cards | Expert Reviews @ CreditCard.com.au](/endeavour-mutual-bank-credit-cards/) - Endeavour Mutual Bank has everything from home loans and insurance, to personal loans and credit cards, retaining a strong focus on great service and great value. - [Best fuel cards for your business - Compare at CreditCard.com.au](/fuel-cards/) - Discounts on fuel + perks. Fuel cards make petrol-buying easy no matter how many vehicles in your fleet. Click to compare! - [G&C Mutual Bank Credit Cards | Creditcard.com.au](/gc-mutual-bank-credit-cards/) - G&C Mutual Bank offers great features, rewards and competitive interest rates across their credit cards. Compare Platinum and Low Rate credit card. - [Great Southern Bank Credit Cards - Expert Reviews & Comparison](/great-southern-bank-credit-cards/) - Apply online for Great Southern Bank credit cards. Find out about the features of each. Discover the best option for your credit card needs. Click for more! - [Greater Bank Credit Card Reviews, Fees and Rates | CreditCard.com.au](/greater-bank-credit-cards/) - CreditCard.com.au has the best Greater Bank credit card offers all in one place. You can compare credit cards, pick the best for you and apply online. - [Heritage Credit Card Reviews, Fees and Rates | CreditCard.com.au](/heritage-credit-cards/) - CreditCard.com.au has the best Heritage credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [Horizon Bank Cards | Review, Compare & Apply](/horizon-credit-union-credit-cards/) - Horizon Bank is set up to benefit its members. Offering home loans, insurance and credit cards. Read expert reviews. - [HSBC Credit Card Reviews, Fees and Rates | CreditCard.com.au](/hsbc-credit-cards/) - CreditCard.com.au has the best HSBC credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [Hume Bank Credit Cards | Creditcard.com.au](/hume-bank-credit-cards/) - Hume Bank offers a wide range of personal and business banking products, covering everything from home loans and insurance, to credit cards. - [humm Credit Card Reviews, Fees and Rates | CreditCard.com.au](/humm-credit-cards/) - CreditCard.com.au has the best humm credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [IMB credit cards | Expert Reviews, Compare @ CreditCard.com.au](/imb-credit-cards/) - Compare IMB credit cards. Apply online for IMB credit card offers including low rate and rewards programs. Start saving money today. - [ING Credit Card Reviews, Fees and Rates | CreditCard.com.au](/ing-credit-cards/) - CreditCard.com.au has the best ING credit cards all in one place. You can easily compare credit cards, pick the best for you and apply online. - [Jetstar Credit Card Reviews, Fees and Rates | CreditCard.com.au](/jetstar-credit-cards/) - CreditCard.com.au has the best Jetstar credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [Latitude Financial Credit Card Reviews and Rates | CreditCard.com.au](/latitude-credit-cards/) - CreditCard.com.au has the best Latitude Financial credit card offers all in one place. Compare credit cards, pick the best for you and apply online. - [Macquarie Bank Credit Card Reviews and Rates | CreditCard.com.au](/macquarie-bank-credit-cards/) - CreditCard.com.au has the best Macquarie Bank credit card offers all in one place. Compare credit cards, pick the best for you and apply online. - [Macquarie Credit Union Cards | Review, Compare & Apply](/macquarie-credit-union-credit-cards/) - Macquarie Credit Union offers a comprehensive range of financial products and services to its 6,000 members, including home loans and credit cards. - [Mastercard Credit Cards | Creditcard.com.au](/mastercard-credit-cards/) - The best Mastercard credit cards. Visit CreditCard.com.au to compare annual fees, rewards, exclusive offers and so much more. - [ME Bank Credit Card Reviews, Fees and Rates | CreditCard.com.au](/me-bank-credit-cards/) - CreditCard.com.au has the review of the discontinued ME Bank credit card offer all in one place. You can easily compare credit cards, pick the best for you and apply online. - [/moneyme-credit-cards/](/moneyme-credit-cards/) - - [NAB Credit Cards: Expert reviews, fees and rates](/nab-credit-cards/) - CreditCard.com.au has the best NAB credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [Newcastle Permanent Credit Cards - Compare at CreditCard.com.au](/newcastle-permanent-credit-cards/) - With Newcastle Permanent you not only benefit from low rates and fees on your credit card, you can also enjoy the fact that your building society is a strong believer in giving back to the community - [Northern Inland Credit Union Cards | CreditCard.com.au](/northern-inland-credit-union-credit-cards/) - Northern Inland Credit Union offers a full suite of financial solutions including everyday and savings accounts, credit cards, personal and car loans. - [P&N Bank Credit Cards | Expert Reviews, Compare @ CreditCard.com.au](/pnbank-credit-cards/) - P&N Bank is serving customers in WA and offers a low rate credit card with the option of a Classic or Platinum Card. - [People's Choice Credit Union Cards | Review, Compare & Apply](/peoples-choice-credit-union-credit-cards/) - Membership to People's Choice Credit Union is open to any resident of Australia and available for just $2. Then you can apply for a credit card. - [/police-bank-credit-cards/](/police-bank-credit-cards/) - - [Police Credit Union Cards Expert Review | CreditCard.com.au](/police-credit-union-credit-cards/) - Police Credit Union enjoys strong links to the community, supporting and sponsoring initiatives and projects that help build stronger communities for all. - [Best Qantas Credit Cards - Compare points offers | CreditCard.com.au](/qantas-credit-cards/) - Earn Qantas Points every day plus up to 120,000+ bonus sign up points. Get free flights, upgrades, merchandise + lounge access & insurance. Click to compare! - [Qantas Money Credit Card Reviews, Fees and Rates | CreditCard.com.au](/qantas-money/) - CreditCard.com.au has the best Qantas Money credit card offers all in one place. You can compare credit cards, pick the best for you and apply online. - [QBANK Credit Card Reviews, Fees and Rates | CreditCard.com.au](/qbank-credit-cards/) - CreditCard.com.au has the best QBANK credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [Qudos Bank Credit Card Reviews, Fees and Rates | CreditCard.com.au](/qudos-bank-credit-cards/) - CreditCard.com.au has the best Qudos Bank credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [Compare Queensland Country Bank Cards | Review & Compare](/queensland-country-bank-credit-cards/) - Queensland Country Bank credit card range may not be extensive, it does offer cardholders valuable features. Keeping annual fees and interest low. - [Regional Australia Bank Credit Card Reviews, Fees and Rates | CreditCard.com.au](/regional-australia-bank-credit-cards/) - CreditCard.com.au has the best Regional Australia Bank credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [SERVICE ONE Credit Card Reviews, Fees and Rates | CreditCard.com.au](/service-one-credit-cards/) - CreditCard.com.au has the best SERVICE ONE credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [/south-west-slopes-credit-union-credit-cards/](/south-west-slopes-credit-union-credit-cards/) - - [/st-george-credit-cards/](/st-george-credit-cards/) - - [/suncorp-credit-cards/](/suncorp-credit-cards/) - - [Sydney Mutual Bank Credit Cards | Expert Reviews, Compare @ CreditCard.com.au](/scu-credit-cards/) - Compare online for Sydney Mutual Bank credit cards including special offers, low rate and low annual fee. Read expert reviews and apply in around 10 mins. - [Teachers Mutual Bank Credit Card Reviews, Fees and Rates | CreditCard.com.au](/teachers-mutual-bank-credit-cards/) - CreditCard.com.au has the best Teachers Mutual credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [Unity Bank Credit Card Reviews, Fees and Rates | CreditCard.com.au](/unity-bank-credit-cards/) - CreditCard.com.au has the best Unity Bank credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [Virgin Money Credit Card Expert Reviews and Rates | CreditCard.com.au](/virgin-money-credit-cards/) - CreditCard.com.au compares the Virgin Money credit card offers all in one place. You can compare credit cards, pick the best for you and apply online. - [Visa Credit Card Expert Reviews, Fees and Rates | CreditCard.com.au](/visa-credit-cards/) - CreditCard.com.au has the best Visa credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [Westpac Credit Card Expert Reviews, Fees and Rates: Compare away!](/westpac-credit-cards/) - CreditCard.com.au has the best Westpac credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. - [Woolworths Credit Card Reviews, Fees and Rates | CreditCard.com.au](/woolworths-credit-cards/) - CreditCard.com.au has the best Woolworths credit card offers all in one place. You can compare credit cards, pick the best for you and apply online. - [Woolworths Team Bank Credit Card Reviews, Fees and Rates | CreditCard.com.au](/wtb-credit-cards/) - CreditCard.com.au has the best Woolworths Team Bank credit card offers all in one place. You can easily compare credit cards, pick the best for you and apply online. ## Credit Card Reviews - [American Express Business Explorer Credit Card] | (https://www.creditcard.com.au/creditcard/american-express-business-explorer-credit-card/) - Transfer your points to a choice of over 10 airline partner programs – Asia Miles™, Emirates Skywards, Etihad Guest, Malaysian Airlines Enrich, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club, THAI Royal Orchid Plus and Air New Zealand Airpoints™. You can also use your points to pay charges on your statement with Select + Pay with points. - [American Express E Credit Card] | (https://www.creditcard.com.au/creditcard/american-express-essential/) - The American Express E Credit Card lets you earn up to 1.25 points per $1 spent and features a $0 annual fee. Enjoy 18.99% p.a. on purchases. You can transfer your points to a choice of 10 airline rewards partner programs or redeem online for gift cards, travel, experiences, shopping and more. The American Express E credit card also comes with Smartphone Screen Cover for up to $500 for screen repairs to your smartphone when you pay for your phone or contract with your card. - [American Express Essential Rewards] | (https://www.creditcard.com.au/creditcard/american-express-essential-rewards/) - - [American Express Explorer Credit Card] | (https://www.creditcard.com.au/creditcard/american-express-explorer-credit-card/) - Enjoy 75,000 Bonus Membership Rewards Points when you apply via the link on this page by 01 July 2025, are approved, and spend $4,000 on eligible purchases within the first 3 months. T&Cs apply. New Card Members only. Enjoy great travel benefits including $400 Annual Travel Credit, complimentary airport lounge access, up to US$100 hotel credit and a room upgrade (when available) at selected hotels in The Hotel Collection and a range of complimentary insurances plus, Smartphone Screen Cover. Points can be transferred to over 10 airline rewards partner programs. - [American Express Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/american-express-essential-2/) - The American Express Low Rate Credit Card is low cost card that comes with $0 annual fee and a purchase rate of 10.99% p.a. Get up to 55 days interest free on purchases when you don’t carry a balance on your credit card and up to 4 additional cards at no extra cost. Extra benefits include 24/7 Global Card Support, Emergency Card replacement, and Card Purchase and Card Refund Covers. The American Express Low Rate Credit Card is eligible for use with Apple Pay, Samsung Pay and Google Pay. - [American Express Platinum Business Card] | (https://www.creditcard.com.au/creditcard/americanexpress-business-platinum-credit-card-2/) - The American Express Platinum Business Card offers 300,000 Membership Rewards Bonus Points when you apply via the link on this page by 4 November 2025, are approved, and spend $12,000 on eligible purchases within the first 3 months. This welcome offer is available to new American Express Card Members only. This card has flexible spending power and no immediate interest charges, which should help you, as a business owner, to make the most of the cash flow you have and meet any regular payments as and when they fall due. This account can accommodate a lot of employees too, as you’re allowed to add up to 99 Employee Card Members under the same business account. Purchases are also covered under the Card’s Refund and Purchase Cover policy. If you time your purchases right (towards the beginning of the statement period) you can also take advantage of up to 55 cash flow days and earn points for using the card. Points can help with everything from flights and hotel room upgrades to late check-outs and VIP treatment. Statements from this account are already GST itemised, to make tax time easier, and one other nice feature of this card is that if you have points saved up and aren’t planning any travel, or don’t have cash at hand you can choose to redeem them against the statement amount and reduce the balance owing on the card. This Platinum charge card comes with access Travel Inconvenience Cover, Priority Pass Membership, Best Fare Guarantee, and Platinum Travel Insurance. If you’re booking business flights, there is a choice of over 10 leading airlines to transfer points across including Qantas Frequent Flyer. - [American Express Platinum Charge Card] | (https://www.creditcard.com.au/creditcard/american-express-platinum-charge-credit-card-2/) - Receive 200,000 Bonus Membership Rewards Points when you apply online by 8 July 2025, are approved, and spend $5,000 on eligible purchases on your new card within the first three months. T&Cs apply. Apart from a better than usual earn rate on points per $1 spent, you can transfer points to over 10 different airlines when you are looking to book flights, and you get a price guarantee on Business and First class airfares worldwide. Travel will be a lot more comfortable when you and a guest are allowed entry on a priority pass to over 1,400 different airport lounges in over 650 cities across 140 countries and counting, offered comprehensive overseas travel insurance and Priority rewards with thousands of hotels in different countries around the world. Receive a $450 Platinum Travel Credit each year, which can be redeemed for eligible flights, hotels, or car hire. - [American Express Platinum Edge Credit Card] | (https://www.creditcard.com.au/creditcard/american-express-platinum-edge-credit-card-2/) - If you are looking for a seriously good rewards credit card, it would be difficult to go past the American Express Platinum Edge card. Card members will receive a $200 Travel Credit and enjoy other premium benefits for $0 annual fee in the first year. This card allows you to earn 3 points per dollar spent at major supermarkets and petrol stations. Use the card to earn points on everyday purchases, such as food, petrol, and utilities, as well as on travel. It's easy to redeem points with the card's over 10 airline partners, on flights, or on over 1500 other travel, lifestyle, and entertainment rewards. Platinum perks include access to a 24-hour Global Card Support, where you can check on your account, report your card lost or stolen, or redeem points. Card members can also enjoy a wide range of complimentary insurances, an online fraud protection guarantee, and supplementary cards to allow you and your family to earn points even faster. Card Members can register their Frequent Flyer or Frequent Guest account numbers with American Express and transfer to the following over 10 airlines: Emirates Skywards, Etihad Guest, Virgin Atlantic Flying Club, Singapore Airlines KrisFlyer, Air New Zealand Airpoints™, THAI Royal Orchid Plus, Malaysia Airlines Enrich, Cathay Pacific Asia Miles™, Hawaiian Miles and Qatar Avios Privilege Club. - [American Express Qantas Business Rewards Card] | (https://www.creditcard.com.au/creditcard/qantas-americanexpress-business-card/) - The American Express® Qantas Business Rewards Card has a special offer of 150,000 bonus Qantas Points plus $225 annual fee the first year, saving $225 when you apply by 1 July 2025, are approved, and spend $6,000 on eligible purchases on your Card in the first 3 months from approval. Receive TRIPLE Qantas Points for your business on eligible Qantas flights. That’s on top of the 2 Qantas Points per $1 earned when you use your Card to pay for flights. Earn 1.25 Qantas Points per $1 spent on everything else, except for utilities, insurance (with the exception of American Express) and government bodies where you’ll earn 0.5 Qantas Points per $1 spent. Receive complimentary Qantas Business Rewards membership (saving $89.50), which gives your business access to savings of 10% on the base fare of eligible Qantas flights, 20% off Qantas Club membership, and more. Receive two domestic Qantas Club lounge passes per year and complimentary Domestic and International Travel Insurance cover for you, your partner and employees when you use your Card to pay for your travel arrangements. *This is actually a charge Card with flexible spending power and no interest charges. All you need to do is pay off your balance in full each month. - [American Express Velocity Business Charge Card] | (https://www.creditcard.com.au/creditcard/american-express-velocity-business/) - * This is a charge card, so it has flexible spending power and no interest charges, so you can make the most of your cash flow. - [American Express Velocity Escape Plus Card] | (https://www.creditcard.com.au/creditcard/american-express-velocity-escape-credit-card/) - - [American Express Velocity Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/american-express-velocity-platinum-credit-card/) - An excellent travel rewards credit card, the American Express Velocity Platinum allows you to earn more points so you can escape to your favourite destination sooner. Along with a range of Platinum travel perks, you can also enjoy a great introductory offer. - [American Express® Business Gold Plus Card] | (https://www.creditcard.com.au/creditcard/american-express-gold-business/) - - [Ampol Fuel Card] | (https://www.creditcard.com.au/creditcard/ampol-fuel-card/) - - [ANZ Business 55 Interest Free Days] | (https://www.creditcard.com.au/creditcard/anz-business-one-visa-interest-free-days-card/) - The ANZ Business 55 Interest Free Days card gives your business breathing space around repayments, with up to 55 days interest free on purchases. You don’t miss out on any of the standard business credit card features you’d expect either. You’ll still have the option to set credit limits for additional cardholders, insurances, easy to follow single statements and the convenience of Visa access. Terms & Conditions 1. Complimentary credit card insurance covers provided are part of a Group Policy issued by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the Group Policy as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Commercial Cards Terms and Conditions (PDF1.5MB) which may be amended from time to time. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objects, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. 2. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and Promotional Plans) in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Commercial Card Terms and Conditions. 3. ANZ will charge 3% of the value of any international transaction charged or credited to the credit card facility. 5. A fee will be charged for each cash advance, except where it is obtained through an ANZ ATM. The fee will be the greater of $1.50 and 1.50% of the cash advance amount plus any ATM operator fee. - [ANZ Business Black Credit Card] | (https://www.creditcard.com.au/creditcard/anz-business-black/) - Take your business places with the ANZ Business Black Credit Card offering uncapped rewards3 and benefits, including complimentary domestic travel insurance and international travel insurance. - [ANZ Business Low Rate] | (https://www.creditcard.com.au/creditcard/anz-business-low-rate/) - The ANZ Business Low Rate Credit Card helps keep your business costs under control with a low fee and low rate. Terms & Conditions Standard variable interest rate, fees and charges are subject to change. Visit anz.com for more information. 1. Complimentary credit card insurance covers provided are part of a Group Policy issued by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the Group Policy as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Commercial Cards Terms and Conditions which may be amended from time to time. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objects, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. 2. ANZ will charge 3% of the value of any international transaction charged or credited to the credit card facility. 5. A fee will be charged for each cash advance, except where it is obtained through an ANZ ATM. The fee will be the greater of $1.50 and 1.50% of the cash advance amount plus any ATM operator fee. - [ANZ First Credit Card] | (https://www.creditcard.com.au/creditcard/anz-first-credit-card/) - - [ANZ Frequent Flyer Black Credit Card] | (https://www.creditcard.com.au/creditcard/anz-frequent-flyer-black/) - - [ANZ Frequent Flyer Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/anz-frequent-flyer-platinum-credit-card/) - As a cardholder, you can enjoy free Qantas Frequent Flyer membership (a saving of $99.50), and the points you earn each month will be automatically credited to your account. Cardholders can also benefit from complimentary insurance covers for travel and shopping, Visa PayWave, worldwide emergency card replacement, up to 9 additional cardholders, a concierge booking service, and access to exclusive offers and privileges in travel, leisure, dining, and shopping around the world with Visa Offers + Perks. - [ANZ Low Rate Credit Card – 0% Balance Transfer] | (https://www.creditcard.com.au/creditcard/anz-low-rate/) - With a low on-going interest rate, this is a great choice as an everyday credit card. Cardholders can also enjoy worldwide emergency card replacement, up to 55 days interest free on purchases, 24/7 Falcon fraud monitoring and up to 3 free additional cardholders. - [ANZ Low Rate Credit Card – Cashback Offer] | (https://www.creditcard.com.au/creditcard/anz-low-rate-cashback/) - A good option if you're looking for a simple, everyday credit card with low ongoing costs and a low interest rate, the ANZ Low Rate card also comes with a bonus $250 back to your new ANZ Low Rate credit card when you spend $1,500 in the first 3 months from approval. You'll get up to 55 days interest-free on purchases and up to 3 free additional cardholders. - [ANZ Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/anz-platinum-credit-card/) - A great choice if you like to travel, the ANZ Platinum card offers complimentary international and domestic travel insurance plus rental vehicle excess cover in Australia. You will also get protected when shopping through purchase protection insurance and extended warranty insurance. You'll get access to a 24/7 Personal Concierge service, which can help with everything from booking flights to giving recommendations for your next holiday. Add up to 9 additional free cardholders, get access to exclusive entertainment packages with Visa Entertainment, worldwide emergency card replacement, and up to 55 days interest-free on purchases. Enjoy $100 back to your new ANZ Platinum credit card when you spend $2,000 on eligible purchases in the first 3 months from approval. No annual fee in the first year. No ongoing annual fee each subsequent year if you meet the $20,000 or more minimum annual spend requirement. New card. T&Cs, eligibility criteria, fees, and charges apply (including an annual fee of $0 in the first year, currently $87 thereafter) - [ANZ Qantas Business Rewards] | (https://www.creditcard.com.au/creditcard/anz-qantas-business-rewards/) - - [ANZ Rewards Black Credit Card] | (https://www.creditcard.com.au/creditcard/anz-rewards-black/) - This card offers a range of travel perks and more points earning power to help you reach the rewards you want quicker. Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period and 1 ANZ Reward Point per $1 spent on eligible purchases above $5,000 per statement period. Points can be redeemed for hundreds of different rewards, including merchandise, travel, shopping vouchers, and gift cards. If you don't have enough points for the reward you want, you can simply make up the difference with cash. This premium card will also give you access to complimentary International and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply). - [ANZ Rewards Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/anz-rewards-platinum-credit-card/) - Points can be redeemed for hundreds of different rewards, including merchandise, travel, shopping vouchers, and gift cards. If you don't have enough points for the reward you want, you can simrosply make up the difference with cash. Choosing the ANZ Rewards Platinum card will also give you complimentary insurance covers for travel and shopping, worldwide emergency card replacement, up to 9 additional cardholders, and access to Platinum Concierge and Visa Platinum privileges. *For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. - [Australian Military Bank Low Rate Visa Credit Card] | (https://www.creditcard.com.au/creditcard/australian-military-bank-low-rate-visa-credit-card/) - The Australian Military Bank Low Rate Visa Credit Card has up to 45 days interest free on purchases, a low annual fee of $49 and a competitive 11.99% p.a. on purchases. - [Australian Unity Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/australian-unity-low-rate-credit-card/) - The Australian Unity Low Rate Credit Card has up to 45 days interest free on purchases, a low annual fee of $59 and a competitive 9.90% p.a. on purchases. - [Auswide Bank Low Rate Visa Credit Card] | (https://www.creditcard.com.au/creditcard/auswide-bank-low-rate-visa-credit-card/) - The Auswide Bank Low Rate Visa Credit Card comes with an introductory offer of 0% on balance transfers for 12 months plus, a low $50 p.a. annual fee, which is waived if you are under 25 years old. The interest rate is 9.99% p.a. on purchases and cash advances. - [Bank Australia Low Rate Visa Credit Card] | (https://www.creditcard.com.au/creditcard/bankmecu-low-rate/) - Bank Australia Low Rate credit card features the bank’s lowest ongoing interest rate of 12.99% p.a. Annual fee is $59 plus, 0% on balance transfers for 6 months. - [Bank Australia Platinum Rewards Visa Card] | (https://www.creditcard.com.au/creditcard/bank-australia-platinum-rewards-credit-card/) - Bank Australia Platinum Rewards Visa credit card lets you earn Qantas Points on eligible purchases, as well as access to a whole range of exclusive Platinum benefits. Complimentary Qantas Frequent Flyer membership and an annual fee of $189. - [Bank Australia Visa Credit Card] | (https://www.creditcard.com.au/creditcard/bankmecu-no-annual-fee/) - The Bank Australia Visa credit card will really suit anyone looking for a no fuss, low cost credit card who doesn’t want to wade through pages and pages on rewards points and programs, different insurances and travel perks. If you just want a credit card you can rely on in an emergency, or as a convenient payment method then look no further than the Bank Australia Visa card. Added bonus of no annual fee and up to 55 interest free days. - [Bank First Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/victoria-teachers-bank-platinum-credit-card/) - The Bank First Visa Platinum credit card offers a low annual fee of $99, up to 55 days interest-free, and no monthly administration fees. Enjoy complimentary overseas travel insurance plus, Visa Platinum 24/7 Concierge Service. - [Bank First Visa Classic Credit Card] | (https://www.creditcard.com.au/creditcard/bank-first-visa-classic/) - The Bank First Visa Classic credit card offers a low interest rate of 12.54% p.a. on purchases and cash advances with a $0 annual fee ever. - [Bank of Heritage Isle Visa Credit Card] | (https://www.creditcard.com.au/creditcard/bank-of-heritage-isle-visa-credit-card/) - - [Bank of Melbourne Amplify Business Credit Card] | (https://www.creditcard.com.au/creditcard/bank-of-melbourne-amplify-2/) - With the Bank of Melbourne Amplify Business Credit Card you can choose to earn Amplify Points or Qantas Points. Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Bank of Melbourne Amplify Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/bank-of-melbourne-amplify-platinum/) - Enjoy great introductory offers with the Bank of Melbourne Amplify Platinum Credit Card. Earn up to 120,000 bonus Amplify Points when you spend $3k or more on eligible purchases within 90 days of card approval and if you keep your card for more than 12 months. Plus, take advantage of a discounted annual fee of $99 in the first year, $124 thereafter. Access to international and domestic travel insurance covers. New cards only. T&Cs apply. - [Bank of Melbourne Amplify Platinum Credit Card – Qantas] | (https://www.creditcard.com.au/creditcard/bank-of-melbourne-amplify-platinum-2/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. *From 1 January 2022, cardholders can earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Points are not included in the cap. - [Bank of Melbourne Amplify Signature Credit Card] | (https://www.creditcard.com.au/creditcard/bank-of-melbourne-amplify-signature/) - Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Bank of Melbourne Amplify Signature Credit Card – Qantas] | (https://www.creditcard.com.au/creditcard/bank-of-melbourne-amplify-signature-2/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. *From 1 January 2022, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points are not included in the cap. - [Bank of Melbourne BusinessVantage Credit Card] | (https://www.creditcard.com.au/creditcard/bank-of-melbourne-amplify-2-2/) - The Bank of Melbourne BusinessVantage Visa credit card has a low 9.99% p.a purchase rate and comes with a $55 annual fee per card. Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Bank of Melbourne No Annual Fee Credit Card] | (https://www.creditcard.com.au/creditcard/bank-of-melbourne-no-annual-fee/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the monthly payment balance listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Bank of Melbourne Vertigo Credit Card] | (https://www.creditcard.com.au/creditcard/bank-of-melbourne-vertigo-credit-card/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Bank of Melbourne Vertigo Credit Card – Cashback Offer] | (https://www.creditcard.com.au/creditcard/bank-of-melbourne-cashback-offer/) - Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Bank of Queensland Blue Credit Card] | (https://www.creditcard.com.au/creditcard/bank-of-queensland-blue/) - Bank of Queensland Blue gives you 0% p.a. on purchases and balance transfers for 6 months with a 1% BT fee plus earn 1 Point for every dollar spent with Q Rewards. You can also enjoy purchase cover insurance and cardholders can also benefit from up to 44 days interest-free on purchases if you pay your balance in full each month. - [Bank of Queensland Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/bank-of-queensland-low-rate-credit-card/) - BOQ Low Rate Visa Special Offer, if you sign up today you will get 0% p.a. on balance transfers for 18 months with 2% balance transfer fee. Cardholders can also benefit from up to 55 days interest-free on purchases. - [Bank of Queensland Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/bank-of-queensland-platinum-credit-card/) - Be rewarded with 100,000 bonus Q Rewards® Points when you apply for a new Bank of Queensland Platinum Credit Card, get approved, and spend at least $4,500 on eligible transactions in the first 90 days from card approval. You can earn 2 points for each dollar you spend, and points can be redeemed on the Q Rewards program, which allows you to fly on most major airlines anytime with Take Flight. Switch your current credit card debt to 0% pa. interest on balance transfers for up to 12 months with 1% BT fee with Platinum perks, take a look at the BOQ Platinum Visa. Balance transfers revert to the cash advance rate thereafter, currently 21.99%p.a. Get up to 44 days interest free on purchases. Benefits of the card also include a 24/7 Personal Concierge service, international travel insurance, purchase cover insurance, extended warranty, up to 44 days interest free on purchases, $1000 daily cash advance limit through ATMs, a guaranteed pricing scheme, and a priority customer service hotline. - [Bank of Sydney Platinum Mastercard] | (https://www.creditcard.com.au/creditcard/bank-of-sydney-platinum-mastercard/) - The Bank of Sydney Platinum Mastercard offers an introductory rate of 6.99% p.a. on purchases and 0% p.a. on balance transfers for 6 months. Plus, enjoy $8 cashback reward for every $1,000 spent on eligible purchases, uncapped. - [Bank of us Visa Credit Card] | (https://www.creditcard.com.au/creditcard/be-visa-credit-card/) - The Bank of us Visa credit card from Bank of us offers a low 9.99% p.a. on purchases and an annual fee of $39. Enjoy up to 58 days interest free on purchases. - [BankSA Amplify Business Credit Card] | (https://www.creditcard.com.au/creditcard/banksa-amplify-business/) - This business card lets you earn uncapped points and double points earn on international spending. $1 spent gets you 1 Amplify point or 0.5 Qantas point. $0 annual card fee for the first year. Annual fee is $89 thereafter. Add up to 3 additional cardholders. Includes Transit Accident Insurance and Unauthorised Transaction Insurance. Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [BankSA Amplify Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/banksa-amplify-platinum/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new balance transfers. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [BankSA Amplify Platinum Credit Card – Qantas] | (https://www.creditcard.com.au/creditcard/banksa-amplify-platinum-2/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. *From 1 January 2022, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Points are not included in the cap. - [BankSA Amplify Signature Credit Card] | (https://www.creditcard.com.au/creditcard/banksa-amplify-signature/) - Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [BankSA Amplify Signature Credit Card – Qantas] | (https://www.creditcard.com.au/creditcard/banksa-amplify-signature-2/) - Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. *From 1 January 2022, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points are not included in the cap. - [BankSA Business Visa Credit Card] | (https://www.creditcard.com.au/creditcard/banksa-business-visa/) - The BankSA Business credit card has a variable purchase rate of 9.99% p.a. (new cards only) and up to 55 days interest-free on purchases. Complimentary insurance against fraudulent use and unauthorised transactions. Low annual fee of $55 per card and up to 99 additional cardholders. Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [BankSA No Annual Fee Credit Card] | (https://www.creditcard.com.au/creditcard/banksa-no-annual-fee-credit-card/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [BankSA Vertigo Credit Card] | (https://www.creditcard.com.au/creditcard/banksa-vertigo-classic/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [BankSA Vertigo Credit Card – Cashback Offer] | (https://www.creditcard.com.au/creditcard/banksa-vertigo-cashback-offer/) - If you love shopping and want to save on your costs and expenses, consider applying for the BankSA Vertigo Credit Card cashback offer. Receive 10% cashback or up to $500 when you apply for a new BankSA Vertigo Credit Card, are approved, and shop using your new card at any eligible supermarkets & petrol outlets within 180 days from card approval. This is an everyday card with a low rate on purchases, and a low ongoing annual card fee. - [BankVic Low Rate Visa Credit Card] | (https://www.creditcard.com.au/creditcard/bankvic-visa-gold-credit-card-2/) - The BankVic Low Rate Visa credit card comes with a low interest rate and no annual fee. - [BankVic Qantas Visa Credit Card] | (https://www.creditcard.com.au/creditcard/bankvic-visa-gold-credit-card-3/) - The BankVic Qantas Visa Credit Card is available exclusively for TPAV and VAU members. - [Bankwest Breeze Mastercard] | (https://www.creditcard.com.au/creditcard/bankwest-breeze-classic-credit-card/) - - [Bankwest Breeze Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/bankwest-breeze-platinum-credit-card/) - - [Bankwest More Credit Card] | (https://www.creditcard.com.au/creditcard/bankwest-more-mastercard-offer/) - The Bankwest More Mastercard is an excellent choice if you want a rewards credit card that gives you more and it's easy to earn points as well. - [Bankwest More Platinum Mastercard] | (https://www.creditcard.com.au/creditcard/bankwest-more-platinum-credit-card-offer/) - When it comes to perks you get them in spades with this card. From WebJet vouchers and travel accident insurance to shopping vouchers and discounts from one of the Bankwest partner retailers you get the benefits that suit the traveller or non-traveller. This gives the advantage of being able to cash in points whenever you like for things you might need, including cashback. - [Bankwest More World Mastercard] | (https://www.creditcard.com.au/creditcard/bankwest-world-mastercard-credit-card/) - The Bankwest More World Mastercard is an excellent choice if you want a rewards credit card that gives you more. If you aren’t sure whether you want a bit of cash back, or vouchers for stores like David Jones, or you want to travel the world next year, then this card is for you because you can take your pick when you’re ready to decide. Earn 2.5 points per $1 spent on eligible purchases, uncapped. - [Bankwest Qantas Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/bankwest-qantas-platinum-credit-card-offer/) - You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Complimentary Qantas Frequent Flyer membership is available from Bankwest if you join at qantas.com/joinffbankwest. - [Bankwest Qantas World Credit Card] | (https://www.creditcard.com.au/creditcard/bankwest-qantas-gold-credit-card/) - - [Bankwest Zero Credit Card] | (https://www.creditcard.com.au/creditcard/zero-mastercard/) - - [Bankwest Zero Platinum Mastercard] | (https://www.creditcard.com.au/creditcard/zero-mastercard-platinum/) - As an introductory offer, new Bankwest Zero Mastercard customers can save on interest for new purchases and payments for existing debt with 0% p.a. rate on purchases and balance transfers for the first 6 months (a 3% balance transfer fee will apply), reverts to 18.99% p.a. Cardholders can also take advantage of up to 55 days interest free on purchases, 24/7 online account access, Mastercard PayPass, and no foreign fees on purchases. Other fees, T&Cs apply. - [bcu Classic Credit Card] | (https://www.creditcard.com.au/creditcard/bcu-classic-visa/) - The bcu Classic Credit Card offers very competitive interest rates, low annual fee and is accepted world wide. It has the real benefit of a low rate 11.95% p.a. on purchases. Enjoy up to 52 days interest-free on purchases (when you pay off your balance in full each month) and 24 hour fraud monitoring. Give bcu a chance and experience the difference. - [bcu Rewards Credit Card] | (https://www.creditcard.com.au/creditcard/bcu-rewards-credit-card/) - The BCU Rewards credit card has a great low interest rate of 13.05% p.a. on purchases and comes with the added bonus of cashback rewards. Receive 0.66% cashback for every eligible dollar spent. Up to 52 days interest-free on purchases and an annual fee of $89. - [Bendigo Bank Business Credit Card] | (https://www.creditcard.com.au/creditcard/bendigo-bank-business-credit-card/) - The Bendigo Bank Business Credit Card comes with a low 13.99% p.a. interest on purchases, monthly $4 account fee per card. Get up to 44 days interest free. - [Bendigo Bank Qantas Business Credit Card] | (https://www.creditcard.com.au/creditcard/bendigo-bank-qantas-platinum-credit-card-2/) - - [Bendigo Bank Qantas Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/bendigo-bank-qantas-platinum-credit-card/) - - [Bendigo Bright Credit Card] | (https://www.creditcard.com.au/creditcard/bendigo-bright-credit-card/) - - [Bendigo Platinum Rewards Credit Card] | (https://www.creditcard.com.au/creditcard/bendigo-bank-platinum-rewards-credit-card/) - - [Bendigo Ready Credit Card] | (https://www.creditcard.com.au/creditcard/bendigo-ready-credit-card/) - - [Beyond Bank Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/beyond-bank-low-rate/) - Beyond Low Rate Visa is the only credit card from Beyond Bank. It features a 0% for 12 months on balance transfers and a low 11.99%p.a. on purchases. - [BOQ Specialist Platinum Qantas Credit Card] | (https://www.creditcard.com.au/creditcard/boq-specialist-signature-qantas-credit-card-2/) - With BOQ Specialist Platinum Qantas Credit Card you can earn up to 1 Qantas points per $1 spent. Complimentary overseas travel insurance, access to Visa Concierge and Visa Front Line Access. - [BOQ Specialist Signature Qantas Credit Card] | (https://www.creditcard.com.au/creditcard/boq-specialist-signature-qantas-credit-card/) - With BOQ Specialist Signature Qantas Credit Card you can earn up to 1.5 Qantas points per $1 spent. Complimentary travel insurance and access to Visa Luxury Hotel Collection. - [Border Bank Visa Credit Card] | (https://www.creditcard.com.au/creditcard/border-bank-visa-credit-card/) - - [Caltex StarCard] | (https://www.creditcard.com.au/creditcard/caltex-starcard/) - - [Citi Clear Card – Cashback Offer] | (https://www.creditcard.com.au/creditcard/citi-clear-card-cashback-offer/) - On top of its low ongoing variable purchase rate, the Citi Clear Credit card boasts exciting introductory offers - $400 cashback, long 15-month 0% p.a. balance transfer, and a reduced first-year annual fee! Plus, new cardholders can enjoy exclusive perks, discounts, and a range of complimentary insurance covers. - [Citi Clear Credit Card] | (https://www.creditcard.com.au/creditcard/0-citibank-clear-platinum-credit-card-v1/) - Citi Clear credit card makes consolidating and paying off debt easier with a super-charged 24-month 0% p.a. balance transfer offer and low ongoing interest rate on purchases. Plus, you'll get bonus extras including complimentary insurance covers, Citi cashback offers and more. - [Citi Premier Card] | (https://www.creditcard.com.au/creditcard/citi-premier-card/) - Earn 2 Points per $1 spent on eligible international transactions as well as those purchases made online while earning 1 Point per $1 spent on eligible domestic transactions. Citi reward Points are capped at 150,000 per year. Earn more points with Citi PayAll Spend at 1 Point per $1 spent on all eligible everyday expenses, uncapped. Use your points either for shopping and receive a credit back or transfer your points to a variety of Airline and other Loyalty Programs. Get your Citi Premier Card now and enjoy a welcome bonus of 150,000 Citi reward Points plus other exciting introductory offers. - [Citi Premier Card – Velocity Offer] | (https://www.creditcard.com.au/creditcard/citi-premier-velocity-offer/) - - [Citi Premier Qantas Credit Card] | (https://www.creditcard.com.au/creditcard/citi-premier-qantas-credit-card/) - - [Citi Prestige Credit Card] | (https://www.creditcard.com.au/creditcard/citi-prestige-v1/) - You can earn 3 Points per $1 for all eligible International Spend and 3 Points per $1 for selected domestic purchases made and booked directly from a range of major: restaurants, hotel chains and airlines. For other Points earn rates, you can also receive 2 Points per $1 on selected domestic purchases made at major: petrol outlets, supermarkets and national retailers and 1 Point per $1 spent everywhere else on domestic Eligible Transactions. - [Citi Rewards Card – Purchases and Balance Transfer Offer] | (https://www.creditcard.com.au/creditcard/citi-rewards-credit-card/) - - [Citi Rewards Credit Card – Velocity Points Offer] | (https://www.creditcard.com.au/creditcard/citi-rewards-credit-card-velocity-points-offer/) - In addition to 90,000 bonus Velocity Points, this card offers great earning potential with 1 point for each dollar on eligible domestic spend (up to $10,000 per statement period) and eligible international spend (uncapped). Points can be redeemed for a wide range of items, including merchandise, travel, and entertainment. If Velocity Points are all that you're after, you can opt to transfer 2.5 Citi reward Points for 1 Velocity Point. When choosing the Citi Rewards card, you will also benefit from complimentary insurance covers and up to 44 days interest-free on purchases. - [Citi Simplicity Credit Card] | (https://www.creditcard.com.au/creditcard/citi-simplicity-no-annual-fee/) - Add to this premium card features like complimentary insurances; extended warranty, and purchase protection cover. Enjoy no annual fee for up to 4 additional cardholders. Perfect for a 2nd card for access to emergency funds when needed or a primary no-fee offering. Minimum credit limits of $2,000 and a maximum of $100,000. Right up with the most premium of cards. - [Coastline Visa Credit Card] | (https://www.creditcard.com.au/creditcard/coastline-cu-visa-credit-card/) - The Coastline Visa Credit Card gives you 0% p.a. on balance transfers for 6 months. $0 annual fee and up to 55 days interest free on purchases. Your Reward dollars accumulate at the rate of $1 for every $150 in purchases made on your Visa Credit Card. - [CoinJar Card] | (https://www.creditcard.com.au/creditcard/coinjar-card/) - - [Coles Low Rate Mastercard] | (https://www.creditcard.com.au/creditcard/coles-low-rate-mastercard-offer/) - Enjoy Coles Low Rate Mastercard's money-saving offers - low 13.49% p.a. on purchases , along with its great features, wrapped with a considerate annual fee of $58. Collect 1 point for every $2 you spend at Coles Supermarkets on your Coles Low Rate Mastercard. - [Coles No Annual Fee Mastercard] | (https://www.creditcard.com.au/creditcard/coles-no-annual-fee-0-offer/) - Why pay an annual fee when you don’t have to? Coles No Annual Fee Mastercard allows you to collect points with your shopping - 1 point for every eligible $2 you spend using your card. - [Coles Rewards Mastercard] | (https://www.creditcard.com.au/creditcard/coles-mastercard-no-foreign-fees-100-off/) - A Coles Rewards Mastercard lets you earn Flybuys points while enjoying extra savings. Get 10% off one Coles shop every month (up to $50 off) with a complimentary Coles Plus Saver membership, free until February 2026, when you apply by 30 June 2025, are approved, and sign up as a new Coles Plus Saver member (excludes existing members). Plus, benefit from no international transaction fees on purchases when shopping online or overseas. Credit criteria, fees, charges, and T&Cs apply. - [CommBank Business Awards Credit Card] | (https://www.creditcard.com.au/creditcard/commonwealth-bank-business-awards-credit-card/) - Commbank Business Awards Credit Card lets you earn points for every dollar spent to redeem on a wide range of gift cards, merchandise, cash back, flight and much more. Earn 1 Awards point for every dollar spent on your Mastercard accepted at over 43 million location worldwide. Make business purchases and not pay anything for up to 55 days, leaving money in the bank for longer. Get access to an unsecured credit limit of up to $50,000 with the option of one additional card holder. - [CommBank Business Platinum Awards Credit Card] | (https://www.creditcard.com.au/creditcard/commonwealth-bank-business-awards-credit-card-2/) - With the Commbank Business Platinum Awards Credit Card you make business purchases and get up to 55 days interest free on purchases. - [CommBank Neo] | (https://www.creditcard.com.au/creditcard/commbank-neo/) - - [CommBank Ultimate Awards Credit Card] | (https://www.creditcard.com.au/creditcard/commonwealth-bank-diamond-awards-credit-card-2/) - - [Commonwealth Bank Awards Credit Card] | (https://www.creditcard.com.au/creditcard/commonwealth-bank-awards-credit-card/) - With the Commonwealth Bank Awards credit card you earn 1 Award points per $1 spent with your Mastercard. - [Commonwealth Bank Business Interest-Free Days Credit Card] | (https://www.creditcard.com.au/creditcard/commonwealth-bank-low-rate-credit-card-2-2/) - The Commonwealth Bank Business Interest-Free Days Credit Card comes with Complimentary Transit Accident Insurance and Unauthorised Transaction Insurance. - [Commonwealth Bank Business Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/commonwealth-bank-low-rate-credit-card-2/) - The Commonwealth Bank Business Low Rate Credit Card comes with a low rate on purchases and no annual fee which could help you save on credit card costs. No interest free days apply on purchases. - [Commonwealth Bank Low Fee Credit Card] | (https://www.creditcard.com.au/creditcard/commonwealth-bank-low-fee-credit-card/) - While the card is called the Commonwealth Bank Low Fee Credit Card, it comes with a relatively high purchase rate of 20.99% p.a. plus a $3 monthly fee ($36 per year). The monthly fee will be waived for qualifying Commonwealth Bank customers spending $300 per statement period. With numerous no annual fee card options available in the market, you have to carefully compare your choices and question whether this card is really suitable for you. New cardholders can also enjoy up to $240 cashback, up to 55 days interest-free on purchases, one free additional cardholder, and secure cashless payments. - [Commonwealth Bank Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/commonwealth-bank-low-rate-credit-card/) - With a great ongoing purchase rate of 10.99% p.a. to 15.99% p.a. (reviewed periodically and may change upon review), the Commonwealth Bank Low Rate Credit Card is the ideal choice for saving money on interest. You can also enjoy a competitive monthly fee of $6. As a cardholder, you can also enjoy the convenience of Mastercard PayPass, up to 55 days interest free on purchases, secure internet shopping, one free additional cardholder, and access to special offers with Mastercard Applause. - [Community First Low Rate Blue Credit Card] | (https://www.creditcard.com.au/creditcard/mcgrath-pink-visa-card-2/) - Community First Low Rate Blue Credit Card is a low cost card that gives you an opportunity to give back to the community. It offers a low annual fee of $50, half of which will be donated to the Prostate Cancer Foundation of Australia each year that you hold the card. You can transfer your card balance and be eligible for 0% p.a. on balance transfers for 12 months with no balance transfer fee. Enjoy the same variable rate of 8.99% p.a. on retail purchases, cash advances, and balance transfers as well as other money-saving features including up to 55 days interest free on purchases and free Additional cardholder. Up to date security features including smart chip protection, payWave, Visa's Zero Liability policy and Verified by Visa. - [Community First Low Rate Pink Visa Credit Card] | (https://www.creditcard.com.au/creditcard/mcgrath-pink-visa-card/) - The McGrath Pink Visa is a credit card which enables you to support breast cancer research when you use it. Half the $50 annual fee is donated to the McGrath Foundation every year you keep the card. This card also features a low 8.99% p.a. purchase rate and cash advance rate. - [Community First Low Rate Visa Card] | (https://www.creditcard.com.au/creditcard/community-first-low-rate-visa/) - The Community First Low Rate Visa has a low rate of 8.99% p.a. on purchases and cash advances. Low $50 annual fee and up to 55 days interest-free on purchases. - [Community First n0w Credit Card] | (https://www.creditcard.com.au/creditcard/commfirst-n0w-credit-card/) - - [Credit Union SA Education Community Credit Card] | (https://www.creditcard.com.au/creditcard/credit-union-sa-visa-credit-card-2/) - Credit Union SA Education Community credit card gives you 0% p.a. for 6 months on balance transfers, purchases and cash advances. This rate reverts to a low 11.49% p.a. interest. after the 6 months. - [Credit Union SA Visa Credit Card] | (https://www.creditcard.com.au/creditcard/credit-union-sa-visa-credit-card/) - Credit Union SA Visa credit card gives you 0% pa on balance transfers for 6 months, after that you’ll still enjoy one of the lowest ongoing interest rates in Australia – currently 11.99% pa – with the same low rate applying for all purchases and cash advances. - [Crypto.com Visa Card] | (https://www.creditcard.com.au/creditcard/crypto-visa-card/) - - [David Jones Premiere Credit Card] | (https://www.creditcard.com.au/creditcard/david-jones-premiere-credit-card/) - Get $100 credit back when you spend $1500 within 90 days. Enjoy a low annual fee of $99 and earn points on every purchase: 2 points per $1 at David Jones, 3 points per $1 at select supermarkets and petrol stations, and 1 point per $1 everywhere else. Start saving today! - [David Jones Prestige Credit Card] | (https://www.creditcard.com.au/creditcard/david-jones-prestige-credit-card/) - - [Defence Bank Foundation Visa Credit Card] | (https://www.creditcard.com.au/creditcard/defence-bank-low-rate-true-blue-credit-card/) - - [Diners Club Business Card] | (https://www.creditcard.com.au/creditcard/diners-club-business-card/) - The Diners Club Business Card gives you the best of both worlds - Diners Club's benefits, with Mastercard's acceptance. Earn up to 1 point per $1 spent, with points pooling available. Redeem your points across 15 airlines, including Qantas, at 1 point : 1 QFF point. Get complimentary access to more than 1,000 airport lounges worldwide and Complimentary Travel Insurance. 51 days to pay for purchases. - [Diners Club Card] | (https://www.creditcard.com.au/creditcard/diners-club-personal-card/) - The Diners Club Card gives you Diners Club's benefits with the ability to earn 1 point per $1 spent. Redeem your points across 14 airlines and get complimentary access to 700 airport lounges worldwide. Enjoy complimentary Travel Insurance and Purchase Protection. - [Discontinued: American Express Business Card] | (https://www.creditcard.com.au/creditcard/american-express-business/) - * This is a Charge Card with no pre-set spending limit and no interest charges so you can make the most of your cash flow - [Discontinued: ANZ Business Rewards Options Credit Card] | (https://www.creditcard.com.au/creditcard/anz-business-one-rewards-card/) - Make running your business more rewarding with entertainment and gifts with the ANZ Business Rewards Options Credit Card. Terms & Conditions Standard variable interest rate, fees and charges are subject to change. Visit anz.com for more information. - [Discontinued: ANZ Frequent Flyer Credit Card] | (https://www.creditcard.com.au/creditcard/anz-frequent-flyer-credit-card/) - It's easy to earn and redeem points. Points earned each month are automatically credited to your Qantas Frequent Flyer account, allowing you to check how many points you have and what can be redeemed. Cardholders can also enjoy complimentary Qantas Frequent Flyer membership (a saving of $99.50), a competitive annual fee, and up to 55 days interest free on purchases. - [Discontinued: ANZ Rewards Credit Card] | (https://www.creditcard.com.au/creditcard/anz-rewards-credit-card/) - Points can be redeemed for a wide variety of rewards, including travel, merchandise, shopping vouchers, gift cards and more. Cardholders can also take advantage of a generously low annual fee, up to 55 days interest free on purchases, and worldwide emergency card replacement. - [Discontinued: ANZ Rewards Platinum – Velocity Offer Card] | (https://www.creditcard.com.au/creditcard/anz-rewards-platinum-velocity-offer-card/) - - [Discontinued: ANZ Rewards Travel Adventures Card] | (https://www.creditcard.com.au/creditcard/anz-rewards-travel-adventures-credit-card-2/) - Earn 1.5 Reward Points per $1 spent on eligible purchases up to $2,000 per statement period, then 0.5 Reward Points per $1 spent on eligible purchases above $2,000 per statement period. This card comes with complimentary International Travel Insurance, Domestic Travel Insurance, Rental Vehicle Excess In Australia Insurance, Purchase Protection Insurance and Extended Warranty Insurance. No overseas transaction fees on purchases. With Apple Pay, Google Pay and Samsung Pay, you can use your compatible device to tap and pay using your ANZ Rewards Travel Adventures card. - [Discontinued: Auswide Bank Platinum Rewards Mastercard] | (https://www.creditcard.com.au/creditcard/auswide-bank-low-rate-visa-credit-card-2/) - The Auswide Bank Platinum Rewards Mastercard comes offers Bonus 20,000 reward points when you spend $3,000 in the first 90 days plus 0% p.a. for 24 months on balance transfers (reverts to cash advance rate. Note that no interest free days apply to retail purchases while you have a balance transfer.) - [Discontinued: Bank of Melbourne Amplify Credit Card] | (https://www.creditcard.com.au/creditcard/bank-of-melbourne-amplify/) - Choose between two rewards programs, the Amplify Rewards program or the Amplify Qantas program. That means you can choose to earn shopping rewards, use points with different domestic and international airlines and travel partners, and bonus points with Amplify partners, or Qantas Points to be used with QFF partners. As a Visa card this card can also come enabled for Visa PayPass for purchases less than $100. Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Discontinued: Bank of Melbourne Vertigo Credit Card – Purchase Offer] | (https://www.creditcard.com.au/creditcard/bank-of-melbourne-vertigo-credit-card-purchase-offer/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Discontinued: Bank of Sydney Classic Mastercard] | (https://www.creditcard.com.au/creditcard/bank-of-sydney-platinum-mastercard-2/) - The Bank of Sydney Classic Mastercard offers an introductory rate of 6.99% p.a. on purchases and 0% p.a. on balance transfers for the first 6 months. - [Discontinued: BankSA Amplify Credit Card] | (https://www.creditcard.com.au/creditcard/banksa-amplify-credit-card/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Discontinued: BankSA Vertigo Credit Card – Purchase Offer] | (https://www.creditcard.com.au/creditcard/banksa-vertigo-credit-card-purchase-offer/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Discontinued: BankVic Visa Gold Credit Card] | (https://www.creditcard.com.au/creditcard/bankvic-visa-gold-credit-card/) - The BankVic Visa Gold Credit Card comes with a low annual fee and complimentary overseas travel insurance. - [Discontinued: Bankwest Business Large Rewards Mastercard] | (https://www.creditcard.com.au/creditcard/bankwest-business-large-rewards-mastercard/) - Get 28,000 bonus points on a new Bankwest Business Large Rewards Credit Card when you apply, are approved and spend at least $2,500 on eligible purchases within 3 months of card approval. The card comes with an earn rate of 1 point for every $1 spent on eligible purchases. Points earned can then be redeemed for gift cards, merchandise and other office essentials. The annual fee is $99 and you can add up to 3 additional cardholders at no cost. - [Discontinued: Bankwest Low Rate Business Mastercard] | (https://www.creditcard.com.au/creditcard/bankwest-low-rate-business-mastercard/) - The Bankwest Business Low Rate Credit Card has the same rate of 11.99% p.a. on purchases, balance transfers, and cash advances. The annual fee is $99 and you can add up to three additional cardholders. - [Discontinued: BDCU Alliance Bank Visa Credit Card] | (https://www.creditcard.com.au/creditcard/bdcu-alliance-bank-visa-credit-card/) - The BDCU Alliance Bank Visa Credit Card features a low rate and low annual fee. - [Discontinued: Bendigo Bank Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/bendigo-bank-basic-black-credit-card/) - The Bendigo Bank Low Rate Credit Card is a low interest credit card that’s designed for those who want to get the job done with a few frills. This card combines a low purchase rate and cash advance rate with a low annual fee, and still leaves you the chance to add a family member or your spouse as an additional cardholder. For those who pay their balance in full each month, there is also the interest-free period to take advantage of. With this card, you get up to 55 days to pay off purchases. The minimum for repayments is 3% of the balance due or $10, whichever is greater. ^ Ineligible purchases include cash advances, interest charges, credit fees and charges, disputed transactions, foreign exchange purchases, travelers cheques, credit card payments, gambling chip purchases, payments to the Australian Taxation Office, bill payments using BPAY® or utility bills paid over the counter at any financial institution or Post Office and any transactions, payments or purchases that are disputed, fraudulent, unauthorised, refunded or reimbursed. A direct debit will be classified as a cash advance if you have provided the debiting merchant with your BSB and account number. * Balance transfer limit Approved credit limitless all fees. - [Discontinued: Bendigo Bank Low Rate Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/bendigo-bank-red-credit-card/) - - [Discontinued: Citi Premier Card – Cashback Offer] | (https://www.creditcard.com.au/creditcard/citi-premier-cashback-offer/) - Get $600 cashback when you spend $2,000 on eligible purchases using Apple eligible transactions. Earn up to 2 Citi reward points per $1 spent on eligible transactions. Complimentary insurance covers, lounge passes, and other exclusive Citi perks. - [Discontinued: Citi Rewards – Flybuys offer] | (https://www.creditcard.com.au/creditcard/citi-rewards-flybuys-offer/) - - [Discontinued: Citi Rewards Card – Cashback Offer] | (https://www.creditcard.com.au/creditcard/citi-rewards-card-bonus-points-offer/) - - [Discontinued: Clear Options Gold Credit Card] | (https://www.creditcard.com.au/creditcard/suncorp-gold/) - The Suncorp Clear Options Gold card is a great choice as a rewards credit card, with a range of rewards on offer, and no points expiry. You can earn 1 Rewards point for every $1 spent (up to $1,500 per month) and 0.5 points for every $1 spent thereafter, and points can be redeemed for shopping vouchers, cash back, merchandise and travel. Choosing this card, you will also benefit from special offers from Visa Entertainment, generous credit limits (subject to circumstance), Visa PayWave, purchase cover, up to 55 days interest free on purchases, and online security with FraudShield. - [Discontinued: Commonwealth Bank Diamond Awards Credit Card] | (https://www.creditcard.com.au/creditcard/commonwealth-bank-diamond-awards-credit-card/) - Earn 1.25 Awards points for every dollar you spend on your Commonwealth Bank Diamond Awards Credit Card. You can also convert CommBank Awards points to Qantas Frequent Flyer points, for $30 per year. You can choose between 1 million Awards points per year or 400,000 Qantas Points per year. - [Discontinued: Commonwealth Bank Essentials Credit Card] | (https://www.creditcard.com.au/creditcard/commbank-essentials-credit-card/) - Enjoy a low rate on purchases of 9.90% p.a. and up to 55 days interest-free on purchases made using the Commonwealth Bank Essentials Credit Card. Get one additional cardholder for free. Pay a monthly fee of $5 ($60 p.a.) or $2 ($24 p.a. - when you choose online statements and set up automatic payments from a CommBank transaction account).hea - [Discontinued: Commonwealth Bank Low Fee Gold Credit Card] | (https://www.creditcard.com.au/creditcard/commonwealth-bank-low-fee-gold-credit-card/) - With the Commonwealth Bank Low Fee Gold Credit Card, you can enjoy Gold card perks at an annual fee of $89. $0 annual fee in the first year and subsequent years when you spend $10,000. You don't earn reward points with this card. As a cardholder, you can get access to local and international one-of-a-kind experiences, shopping, dining and hotel offers with MasterCard Priceless Cities. One free additional cardholder, up to 55 days interest free on purchases, secure online shopping, 24/7 fraud protection, and the convenience of Mastercard PayPass. - [Discontinued: Commonwealth Bank Low Rate Gold Credit Card] | (https://www.creditcard.com.au/creditcard/commonwealth-bank-low-rate-gold-credit-card/) - If you are looking for a competitively priced Gold card, take a look at the Commonwealth Bank Low Rate Gold Credit Card. You can enjoy a low purchase rate, making it the ideal choice for those who want to save on interest while still enjoying Gold card perks. As a cardholder, you can enjoy a range of complimentary insurances, including international travel insurance, extended warranty, and purchase security insurance. You can also take advantage of special entertainment offers from Mastercard Applause and Mastercard Moments. Other benefits include emergency overseas assistance, up to 55 days interest-free on purchases, one free additional cardholder, secure online shopping, and the convenience of Mastercard PayPass. - [Discontinued: Commonwealth Bank Platinum Awards Credit Card] | (https://www.creditcard.com.au/creditcard/commonwealth-bank-awards-platinum-credit-card/) - Earn 1 Awards point for every $1 spent using your Commonwealth Bank Platinum Awards Mastercard. For an annual fee of $30, you can choose to redeem for Qantas Frequent Flyer points instead of Awards points. You can choose to avail of either the 70,000 CommBank Awards Points or the 50,000 bonus Qantas Point once the minimum spends requirement is reached. Earn up to 150,000 Awards points a year (60,000 points per year if you have opted into Qantas Frequent Flyer Direct). - [Discontinued: Emirates Citi World Mastercard] | (https://www.creditcard.com.au/creditcard/emirates-citibank-world-card/) - - [DISCONTINUED: Frequent Flyer Diners Club + World Mastercard] | (https://www.creditcard.com.au/creditcard/diners-club-frequent-flyer-dual/) - This card is a charge card that has no pre-set spending limits and no interest charges, which means you can make the most of your cash flow. Diners Club is back with a Frequent Flyer offering that allows you to take advantage of the Qantas Frequent Flyer program and the convenience of Mastercard, with two cards in one package. The Diners Club card can be used wherever Diners Club cards are accepted including restaurants, hotels and retailers for maximum points, while the Mastercard (in conjunction with NAB) can be used wherever Mastercard is accepted – so the options are not as limited as they used to be. The main benefit of the Diners Club dual card is the points earning potential - you can earn 1.25 points per $1 spent on the Diners card and 0.5 points per $1 spent on the Mastercard with no overall points cap or expiry on points earned. The Diner's card also enables access to over 700 member lounges worldwide, complimentary membership to Regus Business world lounges, a broad range of free insurance including international travel insurance, interstate flight inconvenience insurance, transit accident insurance, extended warranty insurance, purchase cover insurance and a guaranteed pricing scheme. - [Discontinued: Great Southern Bank Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/great-southern-bank-platinum-credit-card/) - If you are looking for rewards, the Great Southern Bank Platinum Credit Card has it covered. You will earn 1 point for each dollar you spend, and points can be redeemed on more than 300 items. You can also choose from a range of electronic items, shopping vouchers for leading retailers, and cashback. Choosing the Great Southern Bank Platinum Credit Card, you can also benefit from up to 55 days interest free on purchases, no price guarantee, purchase protection and up to 9 additional cardholders (no charge). - [Discontinued: Macquarie Black Qantas Rewards Credit Card] | (https://www.creditcard.com.au/creditcard/macquarie-black-qantas-rewards-credit-card/) - With the Macquarie Black Credit Card with Qantas Rewards you can receive 20,000 bonus Qantas Points when you spend $2,000 on eligible purchases within 60 days of approval. - [Discontinued: Macquarie Credit Union Visa Credit Card] | (https://www.creditcard.com.au/creditcard/macquarie-credit-union-visa-credit-card/) - - [Discontinued: Macquarie Visa Platinum Qantas Credit Card] | (https://www.creditcard.com.au/creditcard/macquarie-rewards-platinum-qantas-credit-card/) - The Macquarie Visa Platinum card offers 1 Qantas Point per $1 spent on eligible purchases on up to $1,000 spend per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases for the remainder of that statement period. Get a number of other platinum benefits such as complimentary insurance and extended warranties, plus 4 free additional card holders. 20,000 bonus Qantas Points when you spend $2,000 within 60 days of approval. - [Discontinued: ME Frank Credit Card] | (https://www.creditcard.com.au/creditcard/me-bank-mastercard/) - - [Discontinued: NAB Low Fee Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/nab-premium-credit-card-exclusive-offer/) - - [Discontinued: NAB Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/nab-low-rate-card-purchase-offer/) - - [Discontinued: NAB StraightUp Card] | (https://www.creditcard.com.au/creditcard/nab-straightup-card/) - Your minimum payment is fixed based on your credit limit, giving you the certainty of what to pay each month. Put simply, if you have a $1,000 credit limit you'll need to pay at least $35 towards any balance owing by the due date each month ($10 monthly fee is included in your balance) If you have a $2,000 credit limit you'll need to pay at least $75 towards any balance owing by the due date each month ($20 monthly fee is included in your balance) If you have a $3,000 credit limit you'll need to pay at least $110 towards any balance owing by the due date each month ($30 monthly fee is included in your balance) - [Discontinued: Orange Credit Union Amigo Credit Card] | (https://www.creditcard.com.au/creditcard/orange-credit-union-amigo-credit-card/) - - [Discontinued: PayPal Rewards Credit Card] | (https://www.creditcard.com.au/creditcard/paypal-rewards-credit-card/) - - [Discontinued: St.George Amplify Credit Card] | (https://www.creditcard.com.au/creditcard/stgeorge-amplify-credit-card/) - With Amplify Rewards, you will earn 1 point for each dollar you spend, and you can earn bonus points when shopping with Amplify Rewards Bonus Partners. Amplify Rewards can be redeemed for entertainment, travel, merchandise, and shopping vouchers. Points can also be earned for a number of airlines, including Malaysian Airlines and Singapore Airlines. With Amplify Qantas, you will earn 1 point for each $2 you spend, and bonus points can be earned when shopping with Qantas partners. Qantas Points can be redeemed on over 3,000 products, experiences and vouchers, as well as on flights with Qantas and its partner airlines. Other benefits of choosing this card include one additional cardholder at no extra cost, and up to 55 days interest free on purchases. Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Discontinued: St.George Vertigo Credit Card – Purchase Offer] | (https://www.creditcard.com.au/creditcard/st-george-vertigo-credit-card-purchase-offer/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Discontinued: St.George Vertigo Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/st-george-vertigo-platinum/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Discontinued: St.George Vertigo Platinum Rainbow Credit Card] | (https://www.creditcard.com.au/creditcard/st-george-vertigo-platinum-2/) - St.George has come out with a limited rainbow design edition so you can show your support for the LGBTQI community. Comes with St George's lowest credit card purchase rate at 12.99% p.a. and comes with an annual card fee of $99. Get up to 3 additional cardholders at no extra cost. Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Discontinued: Virgin Australia Velocity Flyer – 0% Purchases and Balance Transfer] | (https://www.creditcard.com.au/creditcard/virgin-australia-velocity-flyer-special-offer/) - Cut your interest to 0% with great rewards. The Virgin Australia Velocity Flyer is for a limited time offer 0% p.a. on purchases for the first 14 months, (which reverts to the purchase rate of 20.74% p.a.) as well as 0% p.a. on balance transfers for 14 months, (which reverts to the cash advance rate). On top of this you also receive an exclusive $129 Virgin Australia Gift Voucher, each year. With the Virgin Australia Velocity Flyer credit card you earn 0.66 Velocity Points per $1 spent up to $1500 per month, then 0.5 Velocity Points thereafter. The points you earn can be redeemed for travel with Virgin Australia and other international partners. Additional features include 24/7 account access, FraudShield Protection, Transit Accident Insurance and Price Guarantee. Another great thing about this credit card is that you can transfer a personal loan balance. - [Discontinued: Westpac Low Fee Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/westpac-55-day-platinum-credit-card/) - No annual fee for life on people that apply for this product before the end of March! - [Discontinued: Woolworths Qantas Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/qantas-frequent-flyer/) - If you have been shopping around for a credit card which is just right for you, you will have noticed by now that you can often find a good points earning card or a low fee credit card, but there are very few which will do both. $99 annual fee for the first year, $169 thereafter. 0% p.a. on balance transfers for 14 months from card approval. - [Endeavour Mutual Bank Visa Credit Card] | (https://www.creditcard.com.au/creditcard/endeavour-mutual-bank-visa-credit-card/) - - [First Option Low-Rate Credit Card Review] | (https://www.creditcard.com.au/creditcard/first-option-bank-low-rate-credit-card/) - - [Frequent Flyer Diners Club] | (https://www.creditcard.com.au/creditcard/frequent-flyer-diners-club/) - This card is a charge card that has no pre-set spending limits and no interest charges, which means you can make the most of your cash flow. Up to 44 days to pay. Frequent Flyer Diners Club lets you earn 1 Qantas Frequent Flyer point per $1 spent. Enjoy the benefits of complimentary travel insurance and purchase protection. Free access to 700 airport lounges worldwide. Direct earn into your Qantas Frequent Flyer account. Annual fee of $95 + $55 Rewards fee. Supplementary cardholders is $50 per year. - [G&C Mutual Bank Low Rate Visa Credit Card] | (https://www.creditcard.com.au/creditcard/gc-mutual-bank-low-rate-visa-credit-card/) - - [G&C Mutual Bank Platinum Visa Credit Card] | (https://www.creditcard.com.au/creditcard/gc-mutual-bank-low-rate-visa-credit-card-2/) - - [Great Southern Bank Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/great-southern-bank-low-rate-credit-card/) - A simple low rate credit card with no annual fee in the first year. The Great Southern Bank Low Rate Credit card has the standard features you’d expect from a low rate credit card, including a low on-going purchase rate, up to 55 days interest free when you don’t carry a balance. With this card you’ll also be banking with a customer-owned financial institution. Pay an annual fee of only $49 (waived first year). - [Great Southern Bank Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/great-southern-bank-low-rate-credit-card-2/) - A simple low rate credit card with no annual fee in the first year. The Great Southern Bank Low Rate Credit card has the standard features you’d expect from a low rate credit card, including a low on-going purchase rate, up to 55 days interest free when you don’t carry a balance. With this card you’ll also be banking with a customer-owned financial institution. Pay an annual fee of only $49 (waived first year). - [Greater Bank Visa Credit Card] | (https://www.creditcard.com.au/creditcard/greater-bank-visa-credit-card/) - - [Heritage Bank Business Visa Credit Card] | (https://www.creditcard.com.au/creditcard/heritage-bank-business-credit-card/) - The Heritage Business Visa credit card gives business owners access to a credit card facility. Multiple cards are issued under one overall approved limit but with individual spend limits for each card. - [Heritage Bank Classic Credit Card] | (https://www.creditcard.com.au/creditcard/heritage-bank-classic-rewards-credit-card/) - The Heritage Classic card offers a Heritage Credit each month when a user spends over $1,300 each month. This is to reward customers for using their Heritage product. Customers can check their credits through their online banking system and redeem for gift cards, home wares, appliances and more. - [Heritage Bank Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/heritage-bank-gold-rewards-credit-card/) - The Heritage Bank Platinum card brings together the superior credit limit of a Platinum card alongside the Heritage Credits rewards program. With this card you earn 3 Heritage Credits for every $1,500 spent per calendar month. - [Heritage Gold Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/heritage-no-frills-gold/) - The Heritage Gold Low Rate card offers no-frills, in the same manner as the classic card but comes with no interest free days and no annual fee. - [Horizon Bank Visa Credit Card] | (https://www.creditcard.com.au/creditcard/horizon-credit-union-visa-credit-card/) - - [HSBC Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/hsbc-credit-card/) - HSBC Low Rate cardholders can benefit from complimentary domestic travel insurance and no overseas transaction fees. Perfect for those wanting to be covered locally when they travel. Cardholders can also benefit from competitive interest rates, up to 55 days interest-free on purchases, and access to numerous offers and discounts worldwide with HSBC’s home&Away program. - [HSBC Platinum Credit Card – 0% Balance Transfer Offer] | (https://www.creditcard.com.au/creditcard/hsbc-platinum-credit-card-2/) - - [HSBC Platinum Qantas Credit Card] | (https://www.creditcard.com.au/creditcard/hsbc-platinum-qantas-credit-card/) - As a cardholder you can enjoy complimentary membership to the Qantas Frequent Flyer program (saving you $99.50), up to 55 days interest-free on purchases, complimentary insurances and priority 24-hour customer service. The HSBC Platinum Qantas card comes with Domestic Travel Insurance, Purchase Protection, Extended Warranty, and International Travel Insurance. Other Platinum benefits include 24/7 Personal Concierge, entertainment offers and event invitations, extended warranty, and purchase protection. - [HSBC Premier World Mastercard] | (https://www.creditcard.com.au/creditcard/hsbc-platinum-qantas-credit-card-2/) - - [HSBC Star Alliance Credit Card] | (https://www.creditcard.com.au/creditcard/hsbc-star-alliance-credit-card/) - - [Hume Bank Business Visa Credit Card] | (https://www.creditcard.com.au/creditcard/hume-bank-business-visa-card/) - Hume Bank Business Visa Credit Card offers one of the lowest purchase interest rates in the market at 13.60% p.a. for an unsecured card. This is even lower for residentially and commercially secured cards at 10.10% p.a. and 10.60%p.a., respectively. - [Hume Bank Clear Visa Credit Card] | (https://www.creditcard.com.au/creditcard/hume-bank-value-visa-credit-card-2/) - - [Hume Bank Value Visa Credit Card] | (https://www.creditcard.com.au/creditcard/hume-bank-value-visa-credit-card/) - - [humm®90 Platinum Mastercard] | (https://www.creditcard.com.au/creditcard/humm90/) - - [IMB Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/imb-low-rate/) - The IMB Low Rate Mastercard offers 0% p.a. on balance transfers for 12 months. Reverts to cash advance rate. This card offers you the basic features with few frills, but there is still guaranteed pricing and purchase cover insurance, so you can buy on this card knowing your purchases are protected. When you do purchase something on this card, you will get 55 days to pay it off interest free, provided you don’t have a balance from the previous month on your card. - [IMB Platinum Rewards Mastercard] | (https://www.creditcard.com.au/creditcard/imb-platinum/) - The IMB Platinum Rewards Mastercard offers useful perks for travellers, as well as a very generous credit limit. As an added bonus, if you’re not sure about extras such as flight inconvenience insurance, guaranteed pricing and transit accident insurance or dubious about whether you want a credit card with a concierge service then you can try this card with relatively low risk. Bonus offer of 20,000 reward points when you spend $3,000 in the first 3 months. The IMB Platinum Rewards card offers platinum benefits alongside rewards points earning - 1 points per $1 spent, alongside extensive complimentary insurance and a platinum concierge service. - [ING Orange One Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/ing-orange-one-credit-card/) - The ING Orange One Low Rate credit card has no annual fee and a low 12.99% p.a. on purchases and cash advances. Eligible customers can earn a rebate on ING international transaction fees and ATM fees, and accounts with a credit limit higher than $6000 will be upgraded to a Platinum card with complimentary travel insurance. - [ING Orange One Rewards Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/ing-orange-one-platinum-credit-card/) - The ING Orange One Rewards Platinum Credit Card is available to existing eligible ING customers who apply. It has a $149 annual fee and you earn 1% cashback on your spend up to $30 per month. The card comes with a low 16.99% p.a. on purchases and cash advances. Receive complimentary international travel insurance for up to 40 consecutive days per trip. Conditions apply. - [Jetstar Credit Card] | (https://www.creditcard.com.au/creditcard/jetstar-mastercard-2/) - - [Kogan Money Black Credit Card] | (https://www.creditcard.com.au/creditcard/kogan-money-black-credit-card/) - - [Kogan Money Black Credit Card – Purchase Rate Offer] | (https://www.creditcard.com.au/creditcard/kogan-money-black-purchase-offer/) - - [Latitude 28° Global Platinum Mastercard] | (https://www.creditcard.com.au/creditcard/latitude-28-global-platinum-mastercard/) - The Latitude 28° Global Platinum Mastercard is ideal for those who frequently travel or shop overseas, offering a range of benefits to enhance your experience. For a limited time, you can choose from two exclusive offers when approved by 28 May 2025. - [Latitude Gem Visa Credit Card] | (https://www.creditcard.com.au/creditcard/gem-visa-credit-card/) - The Latitude Gem Visa card offers an almost unparalleled 6-month interest-free rate on purchases over $250. The rate reverts to 27.99% p.a. after the 6-month promo period. Receive up to 55 days of interest-free if you make purchases under $250. - [Latitude GO Mastercard] | (https://www.creditcard.com.au/creditcard/latitude-go-mastercard/) - The Latitude GO Mastercard offers great options for making interest free repayments on purchases over $250 for 6 months, plus gift cards and vouchers at selected participating stores. Apply in 10 minutes and receive a response in a minute and if approved, activate your card and start shopping conveniently through instant cardless payment with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, and Garmin Pay. Manage and track your payments with the Latitude App. - [Macquarie Black Credit Card] | (https://www.creditcard.com.au/creditcard/macquarie-black-credit-card/) - - [Macquarie RateSaver Card] | (https://www.creditcard.com.au/creditcard/macquarie-bank-low-rate/) - The Macquarie RateSaver credit card offers a low interest rate and simple features - designed as an everyday transactions card. Get up to 55 days interest free on purchases. Annual fee is $69 and up to 4 free additional cardholders. - [Macquarie Visa Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/macquarie-rewards-platinum-credit-card/) - The Macquarie Visa Platinum card offers 1.25 Macquarie Reward Points per $1 spent and a number of other platinum benefits such as free insurance and extended warranties, plus 4 free additional card holders. - [MONEYME Freestyle Virtual Card] | (https://www.creditcard.com.au/creditcard/moneyme-freestyle-virtual-mastercard/) - - [NAB Business Card] | (https://www.creditcard.com.au/creditcard/nab-business-card/) - - [NAB Low Fee Credit Card] | (https://www.creditcard.com.au/creditcard/nab-low-fee-credit-card/) - - [NAB Low Rate Business Credit Card] | (https://www.creditcard.com.au/creditcard/nab-low-rate-business/) - The NAB Low Rate Business Card lets you get 0% p.a. on purchases for the first 12 months. This reverts to a low interest rate of 13.25% p.a. on purchases and cash advances. Another great saving is you pay no annual fee the first year. The annual fee from the second year is $60. - [NAB Low Rate Credit Card – Balance Transfer Offer] | (https://www.creditcard.com.au/creditcard/nab-low-rate-card-2/) - - [NAB Low Rate Credit Card – Cashback Offer] | (https://www.creditcard.com.au/creditcard/nab-low-rate-card-2-2-2/) - - [NAB Qantas Business Signature Credit Card] | (https://www.creditcard.com.au/creditcard/nab-qantas-business-signature-credit-card/) - Get up to 200,000 bonus Qantas points. That's 150,000 bonus points when you apply by 30 September 2025 and spend $4,000 on everyday business purchases in the first 60 days and an additional 50,000 points if you keep your account open for over 12 months. Earn 0.67 Qantas Point for every $1 you spend on eligible business purchases. Annual card fee is $295 and have multiple cards with individual credit limits under a single facility. - [NAB Qantas Rewards Premium Credit Card] | (https://www.creditcard.com.au/creditcard/nab-qantas-platinum-credit-card/) - - [NAB Qantas Rewards Signature Credit Card] | (https://www.creditcard.com.au/creditcard/nab-qantas-rewards-signature-credit-card/) - - [NAB Rewards Business Signature Card] | (https://www.creditcard.com.au/creditcard/nab-rewards-business-signature-card/) - - [NAB Rewards Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/nab-rewards-platinum-credit-card/) - - [NAB Rewards Signature Credit Card] | (https://www.creditcard.com.au/creditcard/nab-rewards-signature-credit-card/) - - [Newcastle Permanent Value+ Credit Card] | (https://www.creditcard.com.au/creditcard/newcastle-permanent-value-credit-card/) - - [Northern Inland Credit Union Visa Classic Credit Card] | (https://www.creditcard.com.au/creditcard/northern-inland-credit-union-visa-classic-credit-card/) - - [P&N Bank Visa Classic Credit Card] | (https://www.creditcard.com.au/creditcard/pn-bank-visa-classic-credit-card/) - P&N Bank Visa Classic Credit Card comes with a low 11.99% p.a. on purchases and a low $49 annual fee. Get up to 45 days interest-free on purchases. - [P&N Bank Visa Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/pn-bank-visa-platinum-credit-card/) - The P&N Bank Platinum Credit Card features a low rate of 11.99% p.a. on purchases and comes with platinum benefits like Overseas travel insurance, Interstate flight insurance and Transport accident insurance. The annual fee is $99. - [People’s Choice Visa Credit Card] | (https://www.creditcard.com.au/creditcard/peoples-choice-visa-credit-card/) - - [Police Bank Visa Credit Card] | (https://www.creditcard.com.au/creditcard/police-bank-visa-credit-card/) - - [Police Credit Union extralite Credit Card] | (https://www.creditcard.com.au/creditcard/police-credit-union-extralite-credit-card/) - - [Qantas American Express Discovery Credit Card] | (https://www.creditcard.com.au/creditcard/american-express-qantas-discovery-credit-card-2/) - Earn 0.75 Qantas Points per $1 spent on card purchases, except for government body transactions in Australia where you will earn 0.5 Qantas Points per $1 spent. No points capping. Perfect for domestic or overseas travel, you can redeem your points for flights on Qantas or any of their partner airlines. Earn 1.75 additional Qantas Points per $1 spent on selected Qantas products and services in Australia. Plus, new Card Members can enjoy 0% p.a. interest on eligible purchases for 12 months when they apply online and are approved for a new card. Unlike other Qantas points-earning credit cards that can have high annual fees, with the Discovery credit card you will pay $0 annual fee. This product is available to Australian citizens, permanent residents, or holders of long term visas. Long term means at least 12 months and does not include student visas. - [Qantas American Express Premium Credit Card] | (https://www.creditcard.com.au/creditcard/american-express-qantas-premium-credit-card-2/) - Earn 20,000 bonus Qantas Points when you apply online, are approved and spend $3,000 on eligible purchases on your new Card within the first three months. This introductory offer is available to new American Express Card Members only, as well as Bank-issued American Express companion Card Members. $0 annual Card fee for up to 4 Additional Card Members so you can earn more Qantas Points. There is no points capping on this card, meaning that you will have all the time you need to save up for the flights you want. With this card you earn 1 Qantas Point for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent. Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia. Your points will be automatically transferred to your Qantas Frequent Flyer account each month, making it easy to redeem points for flights with Qantas and their partner airlines. Card members will also be able to enjoy a range of complimentary Travel Insurance covers, two Qantas Club invitations each year, free additional card members, Card Purchase and Card Refund Covers, an Online Fraud Protection Guarantee, Emergency Card Replacement, and 24/7 global customer support. - [Qantas American Express Ultimate Credit Card] | (https://www.creditcard.com.au/creditcard/american-express-qantas-ultimate-credit-card-2/) - - [Qantas Premier Everyday Card] | (https://www.creditcard.com.au/creditcard/qantas-premier-everyday-credit-card/) - The Qantas Premier Everyday Credit Card comes with a low annual fee of $99. Reverts to cash advance rate. - [Qantas Premier Platinum Card] | (https://www.creditcard.com.au/creditcard/qantas-premier-credit-card/) - Qantas Premier Platinum credit card is issued by NAB for Qantas Money. It gives you great travel benefits and for a limited time receive up to 90,000 bonus Qantas Points - 50,000 when you apply and spend $5,000 or more on eligible purchases within 3 months from card approval, plus an additional 40,000 if you haven’t earned Qantas Points with a credit card in the last 12 months. Relax with 2 single-entry lounge invitations per year to Qantas Club Domestic or Qantas Operated International Business Lounges, complete with complimentary food, beverages, and Wi-Fi. Travel with friends and family once a year and save up to 20% on selected domestic flights for you and up to 8 companions, booked directly through your dedicated concierge using your card. Enjoy 6 months interest-free on your first purchase of selected Qantas products and services, including Qantas flights, Qantas Gift Vouchers, and Qantas Marketplace. Enjoy complimentary travel insurance for travel booked using your card. There’s no cap on the number of Qantas Points you can earn every day – at home or overseas. - [Qantas Premier Titanium Card] | (https://www.creditcard.com.au/creditcard/qantas-premier-titanium-credit-card/) - The Qantas Premier Titanium Credit Card packed with features for an annual fee of $1,200. New cardholders can currently benefit from 150,000 bonus Qantas Points when they spend $5,000 on the card within 3 months from card approval. Get 20% bonus Status Credits on eligible flights, and 10% discount on Qantas flights twice a year. - [QBANK Bluey Visa Credit Card] | (https://www.creditcard.com.au/creditcard/qbank-bluey-visa-credit-card/) - - [Qudos Bank Lifestyle Credit Card] | (https://www.creditcard.com.au/creditcard/qbank-bluey-visa-credit-card-2-2/) - - [Qudos Bank Lifestyle Plus Credit Card] | (https://www.creditcard.com.au/creditcard/qbank-bluey-visa-credit-card-2-2-2/) - - [Qudos Bank Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/qbank-bluey-visa-credit-card-2/) - - [Queensland Country Visa Business Credit Card] | (https://www.creditcard.com.au/creditcard/queenslanders-credit-union-visa-credit-card-2/) - - [Queensland Country Visa Credit Card] | (https://www.creditcard.com.au/creditcard/queensland-country-visa-credit-card/) - The Queensland Country Visa Credit card has a great low interest rate on purchases and cash advances at 14.45% p.a. and a low annual fee of $39. - [Queenslanders Credit Union Visa Credit Card] | (https://www.creditcard.com.au/creditcard/queenslanders-credit-union-visa-credit-card/) - - [Regional Australia Bank Visa Platinum Rewards Credit Card] | (https://www.creditcard.com.au/creditcard/regional-australia-bank-visa-platinum-rewards-credit-card/) - - [Regional Australia Bank Your Choice Credit Card] | (https://www.creditcard.com.au/creditcard/regional-australia-bank-visa-platinum-rewards-credit-card-2/) - - [SERVICE ONE Visa Credit Card] | (https://www.creditcard.com.au/creditcard/service-one-visa-credit-card/) - - [Shell Fuel Card] | (https://www.creditcard.com.au/creditcard/shell-fuel-card/) - - [South West Slopes Credit Union Visa Classic Credit Card] | (https://www.creditcard.com.au/creditcard/south-west-slopes-credit-union-visa-classic-credit-card/) - - [St.George Amplify Business Rewards Credit Card] | (https://www.creditcard.com.au/creditcard/st-george-amplify-business-rewards-credit-card/) - St. George Amplify Business Credit Card has a current special offer of no annual fee for the first year. Earn uncapped points on business purchases including double points on international spending. Enjoy the flexibility of adding up to 3 additional cardholders. Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [St.George Amplify Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/stgeorge-amplify-platinum/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [St.George Amplify Platinum Credit Card – Qantas] | (https://www.creditcard.com.au/creditcard/stgeorge-amplify-platinum-2/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. *From 1 January 2022, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Points are not included in the cap. - [St.George Amplify Signature Credit Card] | (https://www.creditcard.com.au/creditcard/stgeorge-amplify-signature/) - This card is definitely worth considering with some great features for people that like to enjoy life. Earn 1.5 Amplify points for every dollar spent, a full suite of complimentary insurances, and that's just to start. Do you like to travel? Imagine getting 3pm checkouts, complimentary breakfast, automatic hotel room upgrades upon arrival (when available). Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [St.George Amplify Signature Credit Card – Qantas] | (https://www.creditcard.com.au/creditcard/stgeorge-amplify-signature-2/) - With Amplify Qantas, earn 0.75 points for each $1 you spend, and bonus points can be earned when shopping with Qantas partners. Qantas Points can be redeemed on over 3,000 products, experiences, and vouchers, as well as on flights with Qantas and its partner airlines. Enjoy two complimentary airport lounge passes each year. - [St.George BusinessVantage Credit Card] | (https://www.creditcard.com.au/creditcard/st-george-vertigo-credit-card-2/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [St.George No Annual Fee Credit Card] | (https://www.creditcard.com.au/creditcard/no-annual-fee-2/) - Having no annual fee to pay should really help to cut down on costs. If you choose this card, you can also benefit from its up to 3 additional cardholders at no extra cost, Visa card, online secure shopping, 24/7 Fraud monitoring, and a low minimum card limit. Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [St.George Vertigo Credit Card] | (https://www.creditcard.com.au/creditcard/st-george-vertigo-credit-card/) - Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. To be entitled to any interest-free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [St.George Vertigo Credit Card – Cashback Offer] | (https://www.creditcard.com.au/creditcard/st-george-vertigo-cashback/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [St.George Vertigo Rainbow Credit Card] | (https://www.creditcard.com.au/creditcard/st-george-vertigo-rainbow-credit-card/) - Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Suncorp Clear Options Business Credit Card] | (https://www.creditcard.com.au/creditcard/suncorp-business/) - The Suncorp Clear Options Business Credit Card offers the ability to earn 1 reward points per $1 spent. This card meets the needs of small to medium sized enterprises who want to streamline expense management and reduce paperwork by consolidating and paying most business expenses with one account. Up to 99 additional cards can be issued. - [Suncorp Clear Options Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/suncorp-platinum-credit-card/) - The Suncorp Clear Options Platinum card offers rewards 1.25 point earned per $1 spent alongside a platinum concierge, with the option to opt in to a Suncorp Qantas Frequent Flyer rewards scheme. With the Suncorp Platinum, you can enjoy the flexibility of higher credit levels as well as benefit from a great rewards system. The rewards points are convertible to Qantas Frequent Flyer points, and are uncapped and do not expire as long as the account is open. - [Suncorp Clear Options Standard Credit Card] | (https://www.creditcard.com.au/creditcard/standard/) - The Suncorp Clear Options Standard credit card is a great value, low rate card. The card comes with a 0% p.a. for 20 months on balance transfers with 1% BT fee. You can add up to four additional cardholders for no extra cost. - [Sydney Mutual Bank Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/scu-low-rate/) - Sydney Mutual Bank offers this low rate Visa credit card, accepted worldwide and with the option to have Visa PayWave enabled. The annual fee is lower than many other cards on the market at just $30. This card features a low purchase rate, and doesn’t include extras such as frequent flyer points and shopping rewards to keep the annual fee and interest rate down. - [Teachers Mutual Bank Credit Card] | (https://www.creditcard.com.au/creditcard/teachers-mutual-bank-credit-card/) - - [Unity Bank Visa Credit Card] | (https://www.creditcard.com.au/creditcard/unity-bank-visa-credit-card/) - - [Virgin Australia Velocity Flyer – 0% Balance Transfer] | (https://www.creditcard.com.au/creditcard/virgin-money-velocity-flyer-balance-transfer/) - If you are a frequent flyer with Virgin, you're sure to see the benefits of the Virgin Australia Velocity Flyer credit card, and if you sign up today you can also take advantage of 0% interest on balance transfers for the first 24 months. Plus, get an exclusive $129 Virgin Australia Gift Voucher, each year. Now that’s value. Earn 50,000 Velocity Points when you spend $1,500 on your card each month in the first 2 months. Points can be redeemed for travel with Virgin Australia and other international partners. Earn 0.66 Velocity Points per $1 spent up to $1,500 per month, then 0.5 Velocity Points thereafter. Other features of the card include 24/7 account access, FraudShield, Purchase Protection and Extended Warranty insurance covers. - [Virgin Australia Velocity Flyer Credit Card – Bonus Points] | (https://www.creditcard.com.au/creditcard/virgin-money-velocity-flyer-credit-card-2/) - Receive up to 50,000 bonus Velocity Points – 25,000 Points per month when you apply for a new card and spend $1,500 or more on eligible transactions in the first 2 months from card approval. If you sign up today you can also take advantage of 0% interest on balance transfers for the first 12 months with a 2% BT fee. - [Virgin Australia Velocity High Flyer Credit Card] | (https://www.creditcard.com.au/creditcard/virgin-australia-velocity-high-flyer-credit-card/) - As a new cardholder, you can benefit from Virgin Australia Velocity High Flyer Credit Card's excellent introductory offer - up to 80,000 bonus Velocity Points and 100 Bonus Status Credits, 40,000 points each month when you meet the minimum spend requirements within the first 2 months from card approval. The Virgin Australia Velocity High Flyer card also features special offers on Virgin products, 24/7 Visa Platinum Concierge, entertainment privileges with Visa Front Line Access, Visa Airport Meet & Assist, FraudShield, and Visa Zero Liability. - [Virgin Money Anytime Rewards Card] | (https://www.creditcard.com.au/creditcard/virgin-money-anytime-rewards-card/) - - [Virgin Money Anytime Rewards Card – Balance Transfer Offer] | (https://www.creditcard.com.au/creditcard/virgin-money-anytime-rewards-card-balance-transfer-offer/) - Power through debt with 0% p.a. on balance transfers for 24 months (with a 1% one-time fee). Earn points on your spending + pay a low annual fee. - [Virgin Money Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/virgin-australia-low-rate-credit-card/) - An obvious choice as a low rate credit card with 0% p.a. on balance transfers for the first 15 months with no balance transfer fee (reverts to cash advance rate). If you currently have credit card debt with another institution, you can take advantage of this great introductory offer. Other features include up to 55 days interest free on purchases, irregular transaction detection with FraudShield, Visa Zero Liability and 24/7 account access. - [Virgin Money No Annual Fee Credit Card] | (https://www.creditcard.com.au/creditcard/virgin-money-no-annual-fee-credit-card/) - - [Volopay Business Card] | (https://www.creditcard.com.au/creditcard/volopay-business-card/) - - [Westpac Altitude Black Credit Card] | (https://www.creditcard.com.au/creditcard/westpac-altitude-black/) - Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement (not the full closing balance) by the relevant payment due date. 1. Converting Altitude Points: You can redeem the points earned on your Altitude Black Altitude Rewards credit card for cashback or gift cards via the Altitude Rewards website. The estimated cashback and gift card value in above examples are based on current redemption rates as of 20th July 2020 and are subject to change without notification. All redemption of Altitude Rewards points are subject to availability and the Altitude Rewards Terms and Conditions linked above. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. - [Westpac Altitude Black Credit Card – Qantas] | (https://www.creditcard.com.au/creditcard/westpac-altitude-black-2/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement (not the full closing balance) by the relevant payment due date. Earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap. >Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. - [Westpac Altitude Business Gold Mastercard] | (https://www.creditcard.com.au/creditcard/westpac-altitude-business-gold/) - Westpac Altitude Business Gold Credit Card is currently offering $0 annual card fee for the first year, save $150. You can also use this card to take advantage of complimentary insurance covers for business, travel and purchases. There are a couple of convenience points to note with this card too. The 55 days interest free period on purchases can be a real help to a business dealing with minor cash flow issues. Business purchases will also earn Altitude points, until you reach the cap. For each statement cycle a points cap of 20,000 points applies. Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. - [Westpac Altitude Business Platinum credit card] | (https://www.creditcard.com.au/creditcard/westpac-altitude-business-platinum-2/) - With the Westpac Altitude Business Platinum, the $200 annual fee is waived in the first year. On top of that, you can earn up to 2 Altitude points per $1 spent with the exception of government purchases which you earn 0.5 Altitude points per $1. Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. - [Westpac Altitude Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/westpac-altitude-platinum-credit-card/) - Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. - [Westpac Altitude Platinum Credit Card – Qantas] | (https://www.creditcard.com.au/creditcard/westpac-altitude-platinum-credit-card-2/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. - [Westpac BusinessChoice Everyday Mastercard] | (https://www.creditcard.com.au/creditcard/westpac-businesschoice-everyday-credit-card/) - The Westpac BusinessChoice Everyday Mastercard is a business credit card with a lower interest rate on purchases of 14.25% p.a. and an annual fee of $75 per card. The card comes with a credit limit from $2,000 to $250,000 and you can set individual credit limits on up to 99 cards to keep better track of spending. Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. - [Westpac BusinessChoice Rewards Platinum Mastercard] | (https://www.creditcard.com.au/creditcard/westpac-businesschoice-rewards-platinum-credit-card/) - The Westpac BusinessChoice Rewards Platinum Credit Card lets you earn Qantas Points at an earn rate of 0.75 Qantas Points for every $1.50 you spend on eligible business purchases. For government payments, you earn 0.5 Qantas Points for every $1.50 you spend. It is important to note that cardholders may earn up to a maximum of 100,000 Qantas Points per month and will reset each month based on your statement date. Any bonus points you earn will not be counted as part of your monthly cap. Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. - [Westpac Flex Card] | (https://www.creditcard.com.au/creditcard/westpac-flex-card/) - - [Westpac Lite Mastercard®] | (https://www.creditcard.com.au/creditcard/westpac-lite-card/) - Featuring Westpac's lowest rate on credit card purchases of 9.90% p.a., the Westpac Lite Mastercard also comes with no foreign transaction fees or late payment fees. The credit card limit is between $1,000 to $20,000 and it charges a monthly fee of $9 which is $108 annually. Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. - [Westpac Low Fee Credit Card] | (https://www.creditcard.com.au/creditcard/westpac-55-day-classic-credit-card/) - Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date. Mastercard is a registered trademark, and the circles design and tap & go are trademarks of Mastercard International Incorporated. - [Westpac Low Rate Credit Card] | (https://www.creditcard.com.au/creditcard/westpac-low-rate-credit-card/) - As a cardholder, you can also benefit from up to 55 days interest-free on purchases and the convenience of contactless technology. With a low minimum income requirement of $30,000 a year, this card is a good fit for low income earners and those wanting a low-cost card. Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement (not the full closing balance) by the relevant payment due date. Mastercard is a registered trademark, and the circles design and tap & go are trademarks of Mastercard International Incorporated. - [Westpac Low Rate Credit Card – Cashback Offer] | (https://www.creditcard.com.au/creditcard/westpac-low-rate-cashback-offer/) - As a cardholder, you'll get up to 55 days interest-free on purchases and the convenience of contactless Tap&Go technology. With no minimum income requirement, this card is definitely appealing. Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement (not the full closing balance) by the relevant payment due date. - [Wise Travel Money Business Card] | (https://www.creditcard.com.au/creditcard/wise-travel-money-business-card/) - - [Wise Travel Money Card] | (https://www.creditcard.com.au/creditcard/wise-travel-money-card/) - - [Woolworths Everyday Platinum Credit Card] | (https://www.creditcard.com.au/creditcard/everyday-money/) - This truly is the Credit Card that gives back with 10% off your first Woolworths shop on selected dates every month, that's a saving of up to $50 every month or $600 annually. Plus, earn Credit Card points which automatically convert to Shopping Cards every 4 months, 4000 Credit Card points gives you a $20 Shopping Card. - [Woolworths Team Bank Visa Credit Card] | (https://www.creditcard.com.au/creditcard/wtb-visa-credit-card/) - Have a look at the Woolworths Team Bank Visa Credit Card. This low rate credit card is exclusive to anyone who works for Woolworths Group Limited, as well as family members. It has a $0 annual fee and offers low interest rates for purchases and cash advances. Purchases are granted up to 55 days of interest-free if you pay off the total amount you owe by the due date on each statement.