Australian Credit Card Comparison

To make your credit card comparison easier LowerBills sets out detailed information below on all the best Aussie credit cards available and lets you sort by different features.

 

Use our guides and articles to give you a better idea of how to compare credit cards effectively so you get the deal that best suits your spending and repayment habits.

 

Once you have selected the card you want, submit your online credit card application through LowerBills.
 


Asic Credit License No:401965

COSL Membership Number: M0009285
Compare the best Credit Cards below

Find all the features listed to make the best choice possible.

Sort By
    Product Image Product Name Purchase
    Rate
    Annual Fee Interest free Days Balance Transfer Cash Advance Rate
    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.
    0% p.a. for the first 3 months, then 19.39% p.a thereafter
    0% p.a.on Purchases & Balance Transfers for 3 months.
    There is a $30 annual fee for this card.
    0% p.a.on Purchases & Balance Transfers for 3 months.
    You receive up to 44 Interest-free days on purchases with this card.
    0% p.a.on Purchases & Balance Transfers for 3 months.
    0% Balance Transfer rate for 3 months; 20.99% thereafter
    0% p.a.on Purchases & Balance Transfers for 3 months.
    The cash advance rate is 20.99%
    0% p.a.on Purchases & Balance Transfers for 3 months.



    Product Image Product Name Purchase
    Rate
    Annual Fee Interest free Days Balance Transfer Cash Advance Rate
    0% Intro Rate and low ongoing Interest Rate 13.39% ~ 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 13.39% 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.
    The cash advance rate is 21.49%
    0% p.a. for first 3 months on Purchases and Balance Transfers. Offer ends 13th March 2012.



    Product Image Product Name Purchase
    Rate
    Annual Fee Interest free Days Balance Transfer Cash Advance Rate
    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
    The cash advance rate is 21.49%.
    0% p.a. Introductory rate for first 4 months on Purchases & Balance Transfers half-price annual fee



    Product Image Product Name Purchase
    Rate
    Annual Fee Interest free Days Balance Transfer Cash Advance Rate
    An introductory rate of 6.9% p.a. for 6 months on balances transferred.
    An earn rate of 1 point per $1 spent on all purchases.
    Purchase Rate of 20.99% p.a.
    An earn rate of 1 point per $1 spent on all purchases.
    Annual fee of $89.
    An earn rate of 1 point per $1 spent on all purchases.
    Enjoy up to 55 days interest-free on purchases.
    An earn rate of 1 point per $1 spent on all purchases.
    6.9% p.a. for 6 months, after the introductory period the rate will revert to the Cash Advance Rate.
    An earn rate of 1 point per $1 spent on all purchases.
    Cash Advance rate of 21.74% p.a.
    An earn rate of 1 point per $1 spent on all purchases.



    Product Image Product Name Purchase
    Rate
    Annual Fee Interest free Days Balance Transfer Cash Advance Rate
    0.99% p.a. on Balance Transfers for up to 6 months.
    Low variable purchase rate – just 13.24% p.a. ( 21.49% p.a. variable rate on cash advances)
    One of the lowest variable purchase rates around, just 13.24% p.a.
    Low variable purchase rate – just 13.24% p.a. ( 21.49% p.a. variable rate on cash advances)
    Annual fee of $55.
    Low variable purchase rate – just 13.24% p.a. ( 21.49% p.a. variable rate on cash advances)
    Enjoy 55 days interest-free on purchases.
    Low variable purchase rate – just 13.24% p.a. ( 21.49% p.a. variable rate on cash advances)
    0.99% p.a.for the first six months.
    Low variable purchase rate – just 13.24% p.a. ( 21.49% p.a. variable rate on cash advances)
    The cash advance rate is 21.49%
    Low variable purchase rate – just 13.24% p.a. ( 21.49% p.a. variable rate on cash advances)



    Product Image Product Name Purchase
    Rate
    Annual Fee Interest free Days Balance Transfer Cash Advance Rate
    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.
    The cash advance rate is 20.74%
    0.99% Balance Transfer Rate for 6 months.



    Product Image Product Name Purchase
    Rate
    Annual Fee Interest free Days Balance Transfer Cash Advance Rate
    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.
    The cash advance rate is 21.49%
    3.99% p.a on Balance Transfers for up to 6 months.



    Product Image Product Name Purchase
    Rate
    Annual Fee Interest free Days Balance Transfer Cash Advance Rate
    Competitive rate of 18.99% p.a. on purchases and absolutely low balance transfer rate of 2.9% p.a for the first 6 months.
    Enjoy all the advantages of owning a credit card without having to pay an annual fee.
    Competitive purchase rate of 18.99% p.a.
    Enjoy all the advantages of owning a credit card without having to pay an annual fee.
    $0 annual fee for the life of the card.
    Enjoy all the advantages of owning a credit card without having to pay an annual fee.
    Take advantage of the 44 days interest free on purchases.
    Enjoy all the advantages of owning a credit card without having to pay an annual fee.
    A low 2.9% p.a. balance transfer rate for the first 6 months, reverting to a cash advance rate after 6 months.
    Enjoy all the advantages of owning a credit card without having to pay an annual fee.
    Cash Advance rate of 20.99% p.a.
    Enjoy all the advantages of owning a credit card without having to pay an annual fee.



    Product Image Product Name Purchase
    Rate
    Annual Fee Interest free Days Balance Transfer Cash Advance Rate
    Low Balance Transfer Rate 1.9% p.a. for 15 months + 20,000 bonus points Annual Fee $199
    Low Balance Transfer Rate 1.9% p.a. for 15 months + 20,000 bonus points
    The Purchase Rate of this card is 20.99%
    Low Balance Transfer Rate 1.9% p.a. for 15 months + 20,000 bonus points
    There is a $199 annual fee for this card.
    Low Balance Transfer Rate 1.9% p.a. for 15 months + 20,000 bonus points
    You receive up to 55 Interest-free days on purchases with this card.
    Low Balance Transfer Rate 1.9% p.a. for 15 months + 20,000 bonus points
    1.9% p.a. for 15 months + 20,000 bonus points
    Low Balance Transfer Rate 1.9% p.a. for 15 months + 20,000 bonus points
    The cash advance rate is 21.74%
    Low Balance Transfer Rate 1.9% p.a. for 15 months + 20,000 bonus points



    Product Image Product Name Purchase
    Rate
    Annual Fee Interest free Days Balance Transfer Cash Advance Rate
    0% p.a. for 6 months on retail purchases, 11.99% p.a. thereafter.
    0% p.a. for 6 months on Balances Transferred.
    The Purchase Rate is a low 11.99%.
    0% p.a. for 6 months on Balances Transferred.
    Take advantage of 1/2 annual fee, only for $99!
    0% p.a. for 6 months on Balances Transferred.
    Up to 55 days interest-free
    0% p.a. for 6 months on Balances Transferred.
    0% p.a. for six months; thereafter the rate reverts to the cash advance rate currently at 21.74%.
    0% p.a. for 6 months on Balances Transferred.
    The Cash Advance rate is 21.74%.
    0% p.a. for 6 months on Balances Transferred.



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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:

  • Low Interest Rate cards

  • Balance Transfer Cards

  • No Annual Fee Cards

  • Business Credit Cards

  • Prepaid Debit cards

  • Co-branded Cards

  • Rewards Cards

  • Frequent Flyer Cards

  • 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:

  • Interest Rates

  • Introductory or "honeymoon" rates

  • Interest Free Periods

  • Annual Fees

  • Cash Advance Rates

  • Balance Transfer Rate ( if applicable)

  • 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.

 

Disclaimer: LowerBills.com.au is a third party reviewer of Australia's financial sector and has no direct affiliation or legal liability with Australian banks. While we make a modest attempt to be up to date and accurate on all published material, there is an inherent delay between the banks and us.


LowerBills.com.au collects information for many Australian credit card products; please note that this data represents only a limited group of credit cards available in the Australian market. We recommend you seek the advice of your own financial adviser before making a decision on a product from the information you have obtained from this website.

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