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Banking / Credit Cards / Credit Card Rates Comparison

Credit Card Comparison & Rates

Card Name Purchase Rate Max Free Days Introductory Purchase Rate Balance Transfer Rate Annual Fee Rewards Program Available? First Year Cost Comparison* Click on the column heading to sort
NAB Low Fee Card 19.74% 44 0%15 mths 0%15 mths $30 $30
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NAB Low Rate Card (0% p.a. on purchases and 0%p.a. on balance transfers for 15 months, with a one off 2% balance transfer fee) 13.99% 55 0%15 mths 0%15 mths $59 $59
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NAB Premium Card (0% p.a. on purchases and 0% p.a. on balance transfers for 15 months) 19.74% 44 0%15 mths 0%15 mths $90 $90
1300 881 922
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NAB Qantas Rewards Card (0%p.a. on purchases and 0%p.a. on BT for 15 months) 19.99% 44 0%15 mths 0%15 mths $95 $95
1300 881 922
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NAB flybuys Rewards Card (0% p.a. on purchases and 0%p.a. on BT for 15 months) 19.99% 44 0%15 mths 0%15 mths $95 $95
1300 881 922
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NAB Velocity Rewards Card (10,000 bonus Velocity Points and 0%p.a. on purchases and BT for 15 months) 19.99% 44 0%15 mths 0%15 mths $95 $95
1300 881 922
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NAB Velocity Rewards Premium Card (20,000 bonus Velocity Points and 0%p.a. on purchases and BT for 15 months) 19.99% 44 0%15 mths 0%15 mths $150 $150
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Citi Clear Platinum Credit Card (0%p.a. for 9 months on BT and purchases) Offer ends 31 August 2016 14.99% 55 0%9 mths 0%9 mths $99 $211
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NAB Qantas Rewards Premium Card (0% p.a. on purchases and 0%p.a. on BT for 15 months)) 19.99% 44 0%15 mths 0%15 mths $250 $250
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frank 9.99% 55 $0 $300
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Bank of Melbourne Vertigo Visa 13.24% 55 0.99%4 mths 0%18 mths $55 $330
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BankSA Vertigo Visa 13.24% 55 0.99%4 mths 0%18 mths $55 $330
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St.George Vertigo Visa 13.24% 55 0.99%4 mths 0%18 mths $55 $330
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Westpac Low Rate (0%p.a. for 18 months on BT with 2% BT fee) 13.49% 55 0.99%4 mths 0%18 mths $59 $339
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Citi Simplicity (low rate of 11.99% p.a. on purchases for up to 24 months) 19.99% 55 11.99%24 mths $0 $360
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Bank of Melbourne Vertigo Platinum 12.74% 55 0.99%4 mths 0%20 mths $99 $364
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BankSA Vertigo Platinum 12.74% 55 0.99%4 mths 0%20 mths $99 $364
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St.George Vertigo Platinum 12.74% 55 0.99%4 mths 0%20 mths $99 $364
1300 881 922
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St.George No Annual Fee 20.49% 55 0.99%4 mths 0%12 mths $0 $420
1300 881 922
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The American Express Essential™ Credit Card 14.99% 55 0%12 mths $0 $450
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“Sponsored” products are displayed first within the search results pages and can be re-sorted without this filter by de-selecting the “Show sponsored listings first” checkbox. For more information on how we’ve selected these “Sponsored” and “Featured” products click here.

*The First Year Cost Comparison is the total interest payable over one year on a monthly outstanding balance of $3,000 plus the credit card’s annual fee. Introductory purchase rate offers and balance transfer offers are taken into account where applicable.

**The Spend required is based on the approximate everyday spending needed to redeem a $100 gift card or a return flight from Sydney to Melbourne from the rewards program, given the credit card’s point earning capability. For rewards programs that do not have a set number of points to redeem flights, the approximate spend is based on a $300 travel voucher. Bonus point offers and point capping are not included in the calculation.

Credit Card Comparison

In a world that is increasingly reliant on plastic, credit cards are used for everything from groceries to bills and that little purchase over the internet. Naturally banks and lenders offer hundreds of Australian credit cards and a great deal more features, offers and deals. In the pursuit a perfect credit card it is wise to spare sometime for thorough research, reviewing and comparing. Research is the tool that arms you with the knowledge required to make informed comparisons. These comparisons will hopefully indicate the credit card most suitable to your own spending habits and financial circumstances.

Here at InfoChoice we have spent the time to bring you quick, helpful and detailed summaries of credit cards and their features. All that is left for you have to do is decide on what features are essentials and which needs are secondary. Then use our free comparison service to find the cards that you are looking for. Spend just minutes of your time today to potentially saving hundreds of dollars, simply by comparing and finding the best credit card for you.



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Although we cover a range of products, providers and services we don't cover every product, provider or service available in the market. The information and products contained on this website do not constitute recommendations or suggestions to purchase or apply for any particular product. Products included on this site may not suit your personal objectives, financial situation or needs. Please consider whether it is appropriate for your circumstances, before making a decision to purchase or apply for any product. If you are considering acquiring any financial product you should obtain and read the relevant Product Disclosure Statement or other offer document prior to making an investment decision.

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