Credit Cards
Latest Articles
- Mounting Credit Card Debt In Australia - A Sign Of Problems To Come?
- Low Interest Balance Transfers For Life!
- Prepaid Australian Credit Cards Are Booming!
- Watch Out For Interest Rates Hikes On Credit Cards
- Cheaper To Use Your Credit Card In Australia Soon?
- Credit Card Comparison Made Easy
- Before You Apply For A Credit Card Read The Fine Print!
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% 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% 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% |

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 |

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 |

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 |

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%. |

No Annual Fee EVER ~ 2.9% p.a. Balance Transfer Rate for 6 months ~ Low Purchase Rate 18.99% p.a ~ Choice of colours!
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Balance Transfer Rate reverts to 20.99% p.a.after 6 months. |

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. |

Low Introductory 9.99% rate and Ongoing Interest rate 13.29% ~ Low Rate Balance Transfer offer 2.99%~ Low Annual Fee. |
No Rewards scheme |
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.





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.







