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Credit Cards
Latest Articles
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- 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% 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% 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. |
| 0.99% 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 |
| An introductory rate of 6.9% p.a. for 6 months on balances transferred. |
| 0.99% p.a. on Balance Transfers for up to 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%. |
| 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. |
Top 10: Find the Best Credit Card in Australia
The best Australian credit card will depend on what YOU want to use it for, how financially responsible YOU are and what features suit YOUR lifestyle and spending habits. It will have the features that match up closest to YOUR needs.
There will not be a single card that can please everybody, but the good news is …you only need to please yourself!
Important Considerations
Think about how you will use your credit card and how you will pay off the debt each month.
Will you pay off the balance in full each month or only make a minimum payment?
Will you pay for as much as possible with it, including at grocery stores and gas stations?
Will you just use it for major purchases?
Will you only use it online – to book flights for example?
Do you have a current account with an Aussie bank that you can link to your Australian credit card account, for easy and timely payment each month?
Do you want to transfer a high interest debt over to a low interest card?
Do you want to withdraw cash from an ATM using your card?
These are just some factors you will want to consider before you even start searching for the best credit cards for you.
Best Credit Card Deals
LowerBills gathers the information on the best credit card deals to help with your comparison and then we present the Top 10 collection above.
Bear in mind that there are no perfect cards…we are just presenting a few of the best ones. Look for both the positives and the negatives of each card.
Helping Australian Credit Card Hunters
The offers presented in our Top 10 credit cards list have a combination of low interest rates, great rewards programmes, low annual fees, great balance transfer deals and long interest-free periods – all the top features that Australian credit card hunters are usually looking for,
Whether you want to make a large purchase, transfer a higher rate balance or use your Australian credit card for everyday use you should find something that suits you.
The Lower Bills Promise
We can't promise you'll be approved but we can promise to provide you with the right information so that you apply for the best credit cards possible!
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.
