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Credit Card Comparison

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Card Name Purchase Rate Free Days Introductory Rate Balance Transfer Rate Annual Fee Rewards Program Available? First Year Cost Comparison* Click on the column heading to sort
Bankwest Zero Gold MasterCard 16.99% 55 5.99%12 mths $0 $510 Details
Bankwest Zero Platinum MasterCard 16.99% 55 5.99%12 mths $0 $510 Details
Bankwest Zero MasterCard 16.99% 55 5.99%12 mths $0 $510 Details
mecu VISA Credit Card 13.49% 55 $0 $405 Details
Virgin No Annual Fee Credit Card 16.95% 44 2.9%6 mths $0 $509 Details
Commonwealth Bank Low Fee Credit Card 19.99% 55 5.99%5 mths $24 $624 Details
ANZ First Visa Card 18.99% 44 2.9%12 mths $30 $600 Details
NAB Standard Card 19.49% 44 4.99%6 mths $30 $615 Details
Westpac 55 Day 19.64% 55 0% 1.99%9 mths $30 $619 Details
Members Equity Bank MasterCard 11.99% 44 $39 $399 Details
Westpac Low Rate 13.24% 55 1.99%9 mths $45 $442 Details
Aussie MasterCard 12.99% 55 2.99%6 mths 2.99%6 mths $49 $289 Details
NAB Low Rate Visa Card 13.24% 55 4.99%6 mths $49 $446 Details
St.George Vertigo MasterCard 12.49% 55 2.99%6 mths $55 $430 Details
ANZ Low Rate MasterCard 13.24% 55 2.9%12 mths $58 $455 Details
Bankwest Lite MasterCard 10.75% 55 5.99%12 mths 5.99%12 mths $59 $239 Details
Suncorp Clear Options Plus 19.99% 55 1.9%12 mths $63 $663 Details
Citibank Clear Card 15.49% 55 11.99%12 mths 0%6 mths $65 $425 Details
NAB Qantas Card 19.99% 44 4.99%6 mths $65 $665 Details
Velocity NAB Standard Card 19.99% 44 4.99%6 mths $65 $665 Details

Planning on Getting a Cash Advance?
If your card allows you to get a cash advance, the rate of interest that will apply may be higher than the rate that applies to purchases. Compare the Cash Advance Rate for various cards on the ‘Other Fees’ tab.

Sponsored Credit Card Listings
InfoChoice displays Credit Cards from providers that sponsor our site first and with a “SPONSORED” indicator in the left most column. To re-sort the credit card comparison list without this filter - simply  de-select the “Show sponsored listings first” checkbox.

Notes to the Table
* The First Year Cost Comparison is the total interest payable plus each credit card's annual fee. The interest is based on a monthly outstanding balance of $3,000. If the credit card has an introductory rate period this will be taken into account. If your search called for credit cards with a balance transfer offer, then the Cost Comparison will instead be based on the credit card balance transfer rate and then the usual credit card purchase rate for the rest of the year.

** For credit cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For credit card rewards programs that have monthly caps, we assume you stay under that cap and for products with two credit cards, we assume spending is with the highest earning credit card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

American Express® is a registered trademark of American Express Company.
Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.