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Credit Card Rates Comparison

Looking for a great new credit card?

If you’re looking for a credit card, it’s important to ask yourself what you want from it and how you plan to use it. For example, do you want to pay minimum fees, or are you looking for a card with lots of rewards and lifestyle benefits?

If you’re looking for a better way to manage your day-to-day cash flow, we can help you find the right credit card to support your lifestyle and spending habits.

Narrow down your search in no time by using our comparison tables to check the rates, features and fees of different credit cards from a range of banks and credit unions.


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PLATINUM SPONSORED
'Sponsored' and 'Platinum Sponsored' product(s) are selected by InfoChoice, at its discretion, to promote to consumers, based on a range of factors including whether the product is likely to be of interest to our customers. However, our section of a 'Sponsored' or 'Platinum Sponsored' product should not be constituted as an endorsement of that product, or a representation that a product best suits your needs.
InfoChoice may receive a commission, referral fee or payment from a provider when you click on a link to a 'Sponsored' or 'Platinum Sponsored' product.

The American Express Explorer® Credit Card

  • 50,000 Membership Rewards points (T&Cs apply)
  • Enjoy $400 in travel credit each year
  • Up to 2 Membership Rewards points per $1 spent
View special offer
card logo
PLATINUM SPONSORED
'Sponsored' and 'Platinum Sponsored' product(s) are selected by InfoChoice, at its discretion, to promote to consumers, based on a range of factors including whether the product is likely to be of interest to our customers. However, our section of a 'Sponsored' or 'Platinum Sponsored' product should not be constituted as an endorsement of that product, or a representation that a product best suits your needs.
InfoChoice may receive a commission, referral fee or payment from a provider when you click on a link to a 'Sponsored' or 'Platinum Sponsored' product.

Coles No Annual Fee MasterCard

  • 0% Balance transfer for 6 months~
  • Earn 1 flybuys point for every $2 spent – everywhere^
  • No annual fee to pay, ever
View special offer
card logo
PLATINUM SPONSORED
'Sponsored' and 'Platinum Sponsored' product(s) are selected by InfoChoice, at its discretion, to promote to consumers, based on a range of factors including whether the product is likely to be of interest to our customers. However, our section of a 'Sponsored' or 'Platinum Sponsored' product should not be constituted as an endorsement of that product, or a representation that a product best suits your needs.
InfoChoice may receive a commission, referral fee or payment from a provider when you click on a link to a 'Sponsored' or 'Platinum Sponsored' product.

St.George Vertigo Platinum (Exclusive)

  • Offers 3% p.a. for 36 months on Balance Transfers
  • A Low annual fee of $99
  • New cards only. Conditions apply
View special offer
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
Westpac Low Rate (0%p.a. for 12 months on BT and 0%p.a. for 6 months on purchases) 13.49% 55 0%6 mths 0%12 mths $59 $261
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Bank of Melbourne No Annual Fee 20.49% 55 0%6 mths 0%12 mths $0 $307
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BankSA No Annual Fee Credit Card 20.49% 55 0%6 mths 0%12 mths $0 $307
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St.George No Annual Fee 20.49% 55 0%6 mths 0%12 mths $0 $307
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Bank of Melbourne Amplify 19.49% 55 0%6 mths 0%12 mths $79 $371
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BankSA Amplify Credit Card 19.49% 55 0%6 mths 0%12 mths $79 $371
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St.George Amplify 19.49% 55 0%6 mths 0%12 mths $79 $371
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Westpac 55 Day Platinum (0%p.a. for 12 months on BT and $0 Annual Fee for the First Year) 19.84% 55 0%6 mths 0%12 mths $90 $388
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ANZ Low Rate (0% p.a. first 16 months on balance transfers with a 2% Balance Transfer Fee. Reverts to standard balance transfer rate, currently 21.74% p.a.*) 12.49% 55 0%16 mths $58 $433
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Coles Low Rate MasterCard (Get $100 off a single Coles Supermarket shop if you apply and are approved for a Coles Credit Card between 1 May and 30 June 2017 and make a purchase within the first 30 days - New customers only) 12.99% 62 0%6 mths $49 $439
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ANZ Low Rate Platinum (0% p.a. first 16 months on balance transfers with a 2% Balance Transfer Fee. Reverts to standard balance transfer rate, currently 21.74% p.a.*) 11.49% 55 0%16 mths $99 $444
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Bankwest Breeze MasterCard 12.99% 55 0%21 mths $59 $449
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The American Express Essential® Credit Card 14.99% 55 0%12 mths $0 $450
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Bank of Melbourne Vertigo Visa 13.24% 55 0%14 mths $55 $452
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BankSA Vertigo Visa 13.24% 55 0%14 mths $55 $452
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St.George Vertigo Visa 13.24% 55 0%14 mths $55 $452
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Westpac Low Rate Exclusive 13.49% 55 0%24 mths $59 $464
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NAB Low Rate Card (0%p.a. on balance transfers for 18 months, with a one off 3% balance transfer fee) 13.99% 55 0%18 mths $59 $479
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Bank of Melbourne Vertigo Platinum 12.74% 55 0%20 mths $99 $481
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BankSA Vertigo Platinum 12.74% 55 0%14 mths $99 $481
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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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