Credit Card Comparison

Compare credit cards online within minutes with our free to use comparison of 170+ cards.

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Updated 20 Jan 2025   |   Rates updated regularly

Comparing of 176 credit cards

Featured
Citi Rewards 100,000 Bonus Citi Reward Points Offer

On Citi's website

Citi Rewards 100,000 Bonus Citi Reward Points Offer

Balance transfer

N/A

Purchase rate

22.49% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$99.00 for 1st year

Details

  • Receive 100,000 bonus Citi reward Points after spending $5,000 on eligible purchases within the initial 3 months from approval. Terms and Conditions apply.
  • Earn 1 Citi reward point per $1 spent on eligible transactions.
  • Comes with complimentary mobile phone insurance. See Terms and Conditions here.

This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.

Pros & cons

Pros
  • Get 100,000 bonus points when you meet the criteria. That's $400 when you pay with points!
  • Use your Citi Reward Points for a credit back on almost any purchase.
  • A reduced annual fee of $99 in the first year, increasing to $199 p.a. after that, making it more affordable to start.
  • Get 10% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.
  • Get $10 cashback every month until 31 October 2025 when you sign up for a Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
  • 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
  • Provides Purchase Protection Insurance and Extended Warranty Insurance for added security on your eligible purchases.
  • Get a maximum credit limit of up to $100,000, providing flexibility for larger expenses.
  • Supports Apple Pay, Google Pay and Samsung Pay.
Cons
  • No ongoing introductory balance transfer or purchase offer.
  • Rewards earning is capped at $10,000 in spending per statement period, which works well for moderate spending habits.
  • Each additional card costs $90 annually, with a limit of up to four cardholders.
Citi Rewards Card Balance Transfer and Purchase Offer

On Citi's website

Citi Rewards Card Balance Transfer and Purchase Offer

Balance transfer

15 months at 0% p.a.

Purchase rate

15 months at 0% p.a.

Interest-free days

Up to 44 days on purchases

Annual fee

$199.00 p.a. ongoing

Details

  • 0% p.a. for 15 months on purchases and balance transfers. Balance transfer reverts to cash advance rate.
  • Earn 1 Citi reward point per $1 spent on eligible transactions.
  • Use your Citi Reward Points for a credit back on almost any purchase.
  • Complimentary mobile phone insurance when you pay your monthly mobile plan bill with your Citi Rewards Credit Card. See Terms and Conditions here.

This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.

Pros & cons

Pros
  • 0% p.a. on balance transfers and purchases for the first 15 months.
  • Get 10% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.
  • Get $10 cashback every month until 31 October 2025 when you sign up for a Binge Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
  • 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
  • Provides Purchase Protection Insurance and Extended Warranty Insurance for added security on your eligible purchases.
  • Get a maximum credit limit of up to $100,000, providing flexibility for larger expenses.
  • Supports Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is a 2% BT fee.
  • Rewards earning is capped at $10,000 in spending per statement period, which works well for moderate spending habits.
  • Each additional card costs $90 annually, with a limit of up to four cardholders.
Citi Clear Credit Card

On Citi's website

Citi Clear Credit Card

2.8

Balance transfer

20 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Interest-free days

Up to 44 days on purchases

Annual fee

$99.00 p.a. ongoing

Details

  • 0% p.a. for 20 months on Balance Transfers with a 2% fee. Reverts to 22.24% p.a.
  • Has a low ongoing purchase rate, making it more affordable for everyday spending.
  • Includes complimentary insurance including Extended Warranty Insurance and Purchase Protection Insurance. See Terms and Conditions here.

This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.

Pros & cons

Pros
  • Long interest-free balance transfer period (20 months).
  • Add up to 4 cardholders for free, making it a great option for most families.
  • My Cashback offers are personalised and require no opt-in or registration.
  • 10% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2025.
  • Get $10 cashback every month until 31 October 2025 when you sign up for a Binge Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
  • 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
  • Get a credit limit ranging from a minimum of $2,000 to a maximum of $100,000.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • No rewards program, but this card is about simplicity.
  • High revert rate on balance transfers (22.24% p.a.).
  • Purchases have no interest-free days while there's a balance transfer.
Apply by 25 March 2025
American Express Platinum Business Card

American Express Platinum Business Card

4.2

Balance transfer

N/A

Purchase rate

N/A

Interest-free days

Up to 55 days on purchases

Annual fee

$875.00 for 1st year

Details

  • Get 250,000 bonus Membership Rewards points by applying before 25 March 2025, getting approved, and spending $12,000 on your card within the initial 3 months. Exclusive to New American Express Card Members.
  • Reduced first-year annual fee of $875 (regularly $1,750 per year).
  • Earn up to 2.25 pts per $1 spent.
  • Enjoy exclusive Platinum travel, experience, and dining privileges.

Pros & cons

Pros
  • The offer of 250,000 bonus Membership Rewards points when you meet the criteria.
  • Earn up to 2.25 pts per $1 spent and 1 point per $1 spent at the ATO.
  • Access to more than 1,400 lounges globally, including The Centurion® Lounge.
  • Gold status match at Marriott Bonvoy, Hilton Honors, and Premium status at Radisson Hotel Group.
  • Get the Amex Experiences App to access information on Platinum benefits, travel offers, events and recommended merchants.
  • Add up to 99 employee cards at no extra cost.
Cons
  • The annual fee of $1,750 p.a. after the initial year.
  • Since this is a charge card, the balance must be cleared every statement.
  • No balance transfer facility.
Apply by 8 April 2025
American Express Qantas Business Rewards Card

American Express Qantas Business Rewards Card

4.6

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Interest-free days

Up to 51 days on purchases

Annual fee

$450.00 p.a. ongoing

Details

  • Get 170,000 bonus Qantas Points with the American Express Qantas Business Rewards Card when applying by 8 April 2025, getting approved, and spending at least $6,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Earn 2 Qantas Points per $1 spent on Qantas products and services, up to 1.25 points per $1 spent on everyday spend, and 0.5 Qantas Points per $1 spent on government spend, utilities, and insurance.
  • Once a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent. *For Card Members who applied for the Card between July 1, 2023, and January 9, 2024, this change will take effect from July 10, 2024.

Pros & cons

Pros
  • Earn 130,000 bonus Qantas Points when you meet the criteria.
  • Two complimentary passes for the Qantas Club lounge every year.
  • A flexible Payment Option is available to spread costs over time for a portion of your balance.
  • Power up your business – Spend with Dell Technologies and get up to $100 credit.
Cons
  • The $450 p.a. annual fee.
  • Balance must be repaid in full each month.
  • No concierge service.
  • Lounge passes are valid for Qantas Club and not the international business lounges.
American Express Business Explorer Credit Card

American Express Business Explorer Credit Card

4.8

Balance transfer

N/A

Purchase rate

23.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$149.00 p.a. ongoing

Details

  • Earn 50,000 Bonus Membership Rewards Points when you apply online, are approved, and spend at least $3,000 within 3 months of approval. Exclusive to new American Express Card Members.
  • Includes 2 Centurion Lounge passes per year at Sydney and Melbourne airports.
  • Receive complimentary travel insurance when you book your return flight with your card.

Pros & cons

Pros
  • Earn up to 2 points per $1 spent on eligible purchases.
  • Earn 1 point per $1 spend on ATO and government transactions.
  • Use your points to pay off transactions, utilities, annual fee and more.
  • Redeem your rewards for flights, hotel reservations, or car rentals.
  • Transfer points to Virgin Australia, Air New Zealand and Hilton Honors.
  • Shop with your points at Apple, Ikea, JB Hi-Fi and more.
  • No fee for up to 99 employee cards.
  • Up to 55 interest-free days.
  • With the Amex App, you can Monitor business spend and activity 24x7.
  • Manage your account anytime and anywhere with Live Chat Service
Cons
  • There is an annual fee of $149.
  • A 3% foreign transaction fee is in effect.
  • There is no balance transfer offer.
  • Cash advances are blocked, which might be inconvenient for some.
American Express Gold Business Card

American Express Gold Business Card

3.5

Balance transfer

N/A

Purchase rate

N/A

Interest-free days

Up to 51 days on purchases

Annual fee

$169.00 p.a. ongoing

Details

  • Get 75,000 bonus Membership Reward points upon application approval and spending $1,000 on your card within the initial 2 months. Exclusive to New American Express Card Members.
  • Earn up to 1.5 Membership Rewards points for every $1 spent.
  • Experience enhanced flexibility with no pre-set spending limit.
  • Benefit from Travel Insurance covering up to $2.5 million in medical emergency expenses.

Pros & cons

Pros
  • Receive 75,000 bonus Membership Reward points when you meet the criteria.
  • Earn up to 1.5 Membership Rewards points for every $1 spent.
  • No cap on how many points you can earn.
  • No pre-set spending limit means more flexibility.
  • Spend with Dell Technologies to receive up to $75 credit until 31 December 2024.
  • Membership Rewards points can be transferred to a number of airlines, giving you options when booking travel.
Cons
  • The $119 fee for every additional card added.
  • Doesn't offer airport lounge access.
  • No access to concierge services.
Cape Mastercard Interest-Free Days Business Credit Card

On Cape's website

Cape Mastercard Interest-Free Days Business Credit Card

Balance transfer

N/A

Purchase rate

0% p.a. ongoing

Interest-free days

Up to 30 days on purchases

Annual fee

From $383.88 p.a. ongoing

Details

  • A 0% interest rate makes this charge card a smart choice for businesses managing monthly expenses.
  • No foreign transaction fees make it a great choice for international spending.
  • There is no fee for the first month.
  • Access generous credit limits of up to $500,000.

Pros & cons

Pros
  • Fast application process with approval in just 2 hours.
  • Add unlimited cardholders at no extra cost.
  • Seamlessly integrate with Xero for streamlined accounting.
  • Enjoy complimentary access to airport lounges worldwide.
Cons
  • Enjoy 30 days APR-free; thereafter, a standard 2.99% fee applies to revolving balances.
Bankwest Breeze Mastercard

On Bankwest's website

Bankwest Breeze Mastercard

3.7

Balance transfer

24 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$49.00 p.a. ongoing

Details

  • Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
  • An annual fee of $49 p.a., making it an affordable option.
  • Add up to 3 additional cardholders at no extra cost.

Pros & cons

Pros
  • 0% p.a. on balance transfers for 24 months.
  • Low ongoing interest rate of 12.99% p.a. on purchases.
  • Up to 55 interest-free days on purchases.
  • As low as a $1,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • No rewards program on this card.
  • The 3% BT fee.
  • There is a 2.95% foreign transaction fee.
Bankwest Zero Platinum Mastercard

On Bankwest's website

Bankwest Zero Platinum Mastercard

3.1

Balance transfer

6 months at 0% p.a.

Purchase rate

6 months at 0% p.a.

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 p.a. ongoing

Details

  • 0% p.a. for 6 months on purchases and balance transfers, with a 3% balance transfer fee. (Reverts to 18.99% p.a. thereafter.)
  • No foreign transaction fees, including when you're shopping at an overseas online store.
  • No annual fee to pay for the life of the card.
  • Put up to five eligible purchases on an interest-free payment plan with Easy Instalments.
  • Credit limits start from a minimum of $6,000.

Pros & cons

Pros
  • No annual fee makes this an option for occasional or backup use.
  • Interest-free purchases and balance transfers for 6 months.
  • No foreign transaction fees for foreign currency or overseas purchases.
  • Interest-free repayments for up to five eligible purchases with Easy Instalments.
  • Credit limits start from a minimum of $6,000.
  • Up to 55 days interest-free when you pay the statement balance in full.
  • Balance transfers revert to the purchase rate instead of the higher cash advance rate.
  • Use up to 95% of your credit limit for balance transfers.
Cons
  • There is a 3% fee on balance transfers, which can be added to the balance if desired.
  • You can't earn rewards points, but that's not unusual for a no annual fee card like this.
  • There is a $500 minimum balance transfer amount, although most people transfer more.
Bankwest Zero Mastercard

On Bankwest's website

Bankwest Zero Mastercard

2.9

Balance transfer

6 months at 0% p.a.

Purchase rate

6 months at 0% p.a.

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 p.a. ongoing

Details

  • No annual fee for the life of the card.
  • 0% p.a. for 6 months on purchases and transferred balances (with a 3% balance transfer fee). Returns to 18.99% p.a. thereafter.
  • Add up to 3 additional cardholders at no extra cost.

Pros & cons

Pros
  • The introductory balance transfer and purchase offers.
  • 18.99% p.a. interest rate on purchases is relatively low.
  • Up to 55 days interest-free on purchases.
  • As low as a $6,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons
  • Balance transfers incur a 3% one-off fee.
  • You cannot earn credit card points on this card.
Bankwest Breeze Platinum Mastercard

On Bankwest's website

Bankwest Breeze Platinum Mastercard

3.8

Balance transfer

24 months at 0% p.a.

Purchase rate

12.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$59.00 p.a. ongoing

Details

  • Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
  • No foreign transaction fees.
  • Plus, complimentary overseas travel insurance for you and your family.

Pros & cons

Pros
  • 0% p.a. on balance transfers for 24 months.
  • Low ongoing interest rate of 12.99% p.a. on purchases.
  • Low annual fee of $59 p.a.
  • Add up to 3 additional cardholders at no extra cost.
  • Up to 55 interest-free days on purchases.
  • As low as a $6,000 credit limit.
  • Temporarily lock your card anytime using the Bankwest App.
  • Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • No rewards program on this card.
  • There is a 3% BT fee.
  • Cash advance rate is 21.99% p.a.
Virgin Money Anytime Rewards Credit Card (Balance transfer offer)

On Virgin Money's website

Virgin Money Anytime Rewards Credit Card (Balance transfer offer)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$149.00 p.a. ongoing

Details

  • 0% p.a. interest for 24 months on balance transfers (1% transfer fee applies). Reverts to cash advance rate of 20.99% p.a.
  • Earn 1 Virgin Money Point for every $1 you spend.
  • There is no limit to the points you can earn.

Pros & cons

Pros
  • You can also earn additional points when you spend at The ICONIC, Menulog and more.
  • Redeem points for cashback, gift cards, Velocity Frequent Flyer transfers, partner hotel stays, or to pay off purchases.
  • Visa Platinum Concierge Service offers the convenience of a personal assistant at your fingertips
  • Visa Platinum Benefits give you priority access to Australia’s top concerts, shows, and sports events before pre-sales and public release.
  • Up to 55 interest-free days.
  • The credit limit starts at $6,000.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is a 1% BT fee.
  • The ongoing annual fee of $149 p.a.
  • Does not include complimentary international travel insurance.
  • Cash advance rate is 20.99% p.a.
Apply by 30 April 2025
Westpac Low Rate Credit Card (Balance transfer offer)

On Westpac's website

Westpac Low Rate Credit Card (Balance transfer offer)

4.4

Balance transfer

26 months at 0% p.a.

Purchase rate

13.74% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$59.00 p.a. ongoing

Details

  • Get a 0% interest rate on balance transfers for 26 months with a 2% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • A low 13.74% p.a. interest rate on purchases helps keep costs manageable.
  • Split purchases over $100 into 4 payments over 6 weeks with PartPay, making it easier to manage larger expenses.

Pros & cons

Pros
  • 0% for 26 months on balance transfers gives you plenty of time to pay off your balance without interest.
  • The $59 p.a. annual fee keeps costs low, with no fee in the first year if you're already with Westpac.
  • Start with a credit limit as low as $500, helping you manage your spending.
  • Supports Apple Pay, Google Pay, and Samsung Pay.
Cons
  • A 2% balance transfer fee applies.
  • No complimentary travel insurance, which is typical for a low-rate card.
Apply by 30 April 2025
St.George Amplify Signature Credit Card (Amplify)

On St.George's website

St.George Amplify Signature Credit Card (Amplify)

3.5

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$199.00 for 1st year

Details

  • Earn 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.

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