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Credit Cards
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- Credit Card Comparison Made Easy
- Before You Apply For A Credit Card Read The Fine Print!
Compare the best Credit Cards below
Find all the features listed to make the best choice possible.
 0% Purchase Rate for 3 months ~ 0% Balance Transfer rate for 3 months ~ Low Annual Fee ~ Up to 3 free additional cardholders. |
 Balance Transfer rate reverts to 20.99% after 3 months. |
0% p.a.on Purchases & Balance Transfers for 3 months. Offer valid until 13th March 2012.
0% p.a. for the first 3 months, then 19.24% p.a thereafter
0% p.a.on Purchases & Balance Transfers for 3 months. Offer valid until 13th March 2012.
There is a $30 annual fee for this card.
0% p.a.on Purchases & Balance Transfers for 3 months. Offer valid until 13th March 2012.
You receive up to 44 Interest-free days on purchases with this card.
0% p.a.on Purchases & Balance Transfers for 3 months. Offer valid until 13th March 2012.
0% Balance Transfer rate for 3 months; 20.99% thereafter
0% p.a.on Purchases & Balance Transfers for 3 months. Offer valid until 13th March 2012.
| 0% Intro Rate and low ongoing Interest Rate 13.24% ~ 0% on Balance Transfers for first 3 months ~ 3 free additional cardholders. |
Balance Transfer rate reverts to 13.24% after 3 months. |
0% p.a. for first 3 months on Purchases and Balance Transfers. Offer ends 13th March 2012.
0% p.a. for the first 3 months, then 13.24% ongoing.
0% p.a. for first 3 months on Purchases and Balance Transfers. Offer ends 13th March 2012.
There is a $58 annual fee for this card.
0% p.a. for first 3 months on Purchases and Balance Transfers. Offer ends 13th March 2012.
You receive up to 55 Interest-free days on purchases with this card.
0% p.a. for first 3 months on Purchases and Balance Transfers. Offer ends 13th March 2012.
0% for the first 3 months; thereafter 13.24% p.a.
0% p.a. for first 3 months on Purchases and Balance Transfers. Offer ends 13th March 2012.
| 0% Introductory Rates for 4 months~1.25 points per $1 spent on purchases~ Comp travel insurance~ Half-price Annual Fee 1st year. |
After 4 months Balance Transfer Rate is 21.49% and Purchase Rate 20.74% |
0% p.a. Introductory rate for first 4 months on Purchases & Balance Transfers half-price annual fee
0% p.a. for the first 4 months, then 20.74 p.a. thereafter.
0% p.a. Introductory rate for first 4 months on Purchases & Balance Transfers half-price annual fee
Pay half-price annual fee (currently $74) in the first year
0% p.a. Introductory rate for first 4 months on Purchases & Balance Transfers half-price annual fee
You receive up to 55 Interest-free days on purchases with this card.
0% p.a. Introductory rate for first 4 months on Purchases & Balance Transfers half-price annual fee
0% p.a. for 4 months; 21.49% thereafter.
0% p.a. Introductory rate for first 4 months on Purchases & Balance Transfers half-price annual fee
| 1 Citibank Reward pt per $1 spent ~ 4 additional cards @ $15 each ~ Access to Citibank Dining Program & Comp Purchase Insurance |
Purchase Rate is 20.99% p.a.~No Balance Transfer offer |
1 reward point per $1 spent on all purchases!
The Purchase Rate of this card is 20.99%
1 reward point per $1 spent on all purchases!
There is a $89 annual fee for this card.
1 reward point per $1 spent on all purchases!
You receive up to 55 Interest-free days on purchases with this card.
1 reward point per $1 spent on all purchases!
| Low Variable Rate 13.24% p.a.on purchases~ 0.99% p.a. on Balance Transfers for 12 months~ Low Annual Fee $55~ 1 extra cardholder. |
No Rewards Program or Privileges |
Low Variable Rate of 13.24% p.a.on purchases.
The Purchase Rate of this card is 13.24%
Low Variable Rate of 13.24% p.a.on purchases.
There is a $55 annual fee for this card.
Low Variable Rate of 13.24% p.a.on purchases.
You receive up to 55 Interest-free days on purchases with this card.
Low Variable Rate of 13.24% p.a.on purchases.
0.99% p.a.for twelve months; thereafter reverts to 21.49%
Low Variable Rate of 13.24% p.a.on purchases.
| 0.99% Balance Transfer for 6 months~Amplify Rewards points on everyday purchases ~ Or earn Qantas Frequent Flyer points instead. |
Balance Transfer Rate reverts to 20.74% after 6 months |
0.99% Balance Transfer Rate for 6 months.
The Purchase Rate of this card is 18.74%
0.99% Balance Transfer Rate for 6 months.
There is a $79 annual fee for this card.
0.99% Balance Transfer Rate for 6 months.
You receive up to 55 Interest-free days on purchases with this card.
0.99% Balance Transfer Rate for 6 months.
0.99% for 6 months; thereafter reverts to 20.74%
0.99% Balance Transfer Rate for 6 months.
| Low Interest Rate~3.99% p.a for 6 months on Balance Transfers~Complimentary Insurance~Low Annual Fee for Platinum card |
After 6 months the Balance Transfer Rate reverts to 21.49%. |
3.99% p.a on Balance Transfers for up to 6 months.
The Purchase Rate of this card is 15.99%
3.99% p.a on Balance Transfers for up to 6 months.
There is a $89 annual fee for this card.
3.99% p.a on Balance Transfers for up to 6 months.
You receive up to 55 Interest-free days on purchases with this card.
3.99% p.a on Balance Transfers for up to 6 months.
3.99% p.a. for 6 months on Balance Transfers requested at card application.
3.99% p.a on Balance Transfers for up to 6 months.
| No Annual Fee EVER ~ 2.9% p.a. Balance Transfer Rate for 6 months ~ Low Purchase Rate 18.99% p.a ~ Choice of colours!
|
Balance Transfer Rate reverts to 20.99% p.a.after 6 months. |
No Annual Fee ever!
You receive up to 44 Interest-free days on purchases with this card.
No Annual Fee ever!
| Low Balance Transfer Rate 1.9% p.a.for 9 months~20,000 bonus reward points~Complimentary travel insurance & other Privileges. |
Annual Fee $199 ~ Balance Transfer Rate reverts to 21.74% p.a after 9 months. |
1.9% p.a.Balance Transfer for 9 months. Until 31 March 2012.
The Purchase Rate of this card is 20.99%
1.9% p.a.Balance Transfer for 9 months. Until 31 March 2012.
There is a $199 annual fee for this card.
1.9% p.a.Balance Transfer for 9 months. Until 31 March 2012.
You receive up to 55 Interest-free days on purchases with this card.
1.9% p.a.Balance Transfer for 9 months. Until 31 March 2012.
1.9% p.a. for 9 months; thereafter reverts to 21.74 p.a
1.9% p.a.Balance Transfer for 9 months. Until 31 March 2012.
| Low Introductory 9.99% rate and Ongoing Interest rate 13.29% ~ Low Rate Balance Transfer offer 2.99%~ Low Annual Fee. |
No Rewards scheme |
Low 2.99% p.a. Balance Transfer Rate for the first 12 months. apply before 31 Jan 2012.
9.99% p.a. for the first 12 months, then 13.29 p.a. thereafter
Low 2.99% p.a. Balance Transfer Rate for the first 12 months. apply before 31 Jan 2012.
There is a $49 annual fee for this card.
Low 2.99% p.a. Balance Transfer Rate for the first 12 months. apply before 31 Jan 2012.
You receive up to 55 Interest-free days on purchases with this card.
Low 2.99% p.a. Balance Transfer Rate for the first 12 months. apply before 31 Jan 2012.
Low 2.99% p.a. on balance transfers for the first 12 months; thereafter 13.29%.
Low 2.99% p.a. Balance Transfer Rate for the first 12 months. apply before 31 Jan 2012.
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Credit Card Comparison in Australia
In Australia, credit cards are an essential part of the way we pay for goods and services, with practically every adult resident holding one.
It is a very competitive market and that's why credit card comparison before you apply for your card or sign any paperwork, is essential.
Aussie Credit Card Products
Australian banks and financial institutions offer many different credit card products - each suited to a particular lifestyle or budget, from personal cards to business cards, from frequent users to others who just use their card a few times per year. Even those with a poor credit rating are catered for.
We advise you to compare credit cards thoroughly, bearing in mind your own spending habits and identifying which features are most important to you and your lifestyle.
Different Types Of Aussie Credit Cards
Right here on LowerBills you will find Aussie credit cards in the following categories:
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Low Interest Rate cards
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Balance Transfer Cards
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No Annual Fee Cards
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Business Credit Cards
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Prepaid Debit cards
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Co-branded Cards
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Rewards Cards
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Frequent Flyer Cards
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Gold and Platinum Credit Cards
Card Issuing Companies in Australia
Australia has over 30 card issuing companies.
Some of the best known are American Express, ANZ Bank, Aussie, Bank of Queensland, Citibank, Commonwealth Bank, Credit Union Australia, HSBC Australia, Macquarie Bank, Qantas AMEX, St. George Bank, Suncorp Bank, Virgin Money and Woolworths.
Factors to Consider with Credit Card Comparison
When you compare credit cards the following factors need to be taken into account:
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Interest Rates
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Introductory or "honeymoon" rates
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Interest Free Periods
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Annual Fees
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Cash Advance Rates
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Balance Transfer Rate ( if applicable)
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Rewards Programs
Consider which factors are MOST important to you - to do this you must consider how you will use your credit card and make your repayments.
Then you can do a credit card comparison based upon the most important factors.
Many cards are only available to those customers with good credit ratings, so check eligibility criteria before applying.
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