Credit Cards

Please see a full range of credit card offers in the table below. You can compare important factors like the issuer, rates, fees and so on. We provide a large selection of companies and card types so that you have more options to consider. There are many credit card offers available on the Australian market so a comparison table like this one can make the search that much easier!

You MUST apply through this site to guarantee any rate, spread, fee or margin listed

You might want extra features like the ability to earn air miles – or you might want a good rewards system. Check to see which cards offer the services you want. Please remember that you might need a good credit rating in order to get the card you want. If you are worried about your credit rating then you might like to consider some alternatives like Prepaid cards.

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COMPANY	ISSUER	APR	CREDIT LIMIT	CHIP & PIN	CASH BACK	CASH ADVANCES	BALANCE TRANSFER	NEW PURCHASE	REBUILD CREDIT	MORE INFO
The Virgin No Annual Fee Credit Card		16.95%	Ask on application	Yes	N/A	20.99% p.a.	2.9% p.a.	16.95% p.a.	No
The Virgin No Annual Fee Credit Card	The Virgin No Annual Fee Credit Card allows you to enjoy all the advantages of having a credit card without having to pay an annual fee! You can use your card at over 29 million locations around the world, anytime, anywhere. You must be over the age of 18 to apply. DETAIL INFORMATION >>									Services Services Access to all the great Virgin family offers Advantages Advantages 1. No Annual Fee. Ever. 2. A low 2.9% balance transfer rate for the first 6 months. 3. Great low purchase rate of 16.95% p.a. 4. Access to all the great Virgin family offers. 5. Enjoy up to 44 Interest free days Disadvantages Disadvantages 1. You must be at least 18 years of age to apply for a credit card. 2. Cash withdrawal limits 3. You must also earn at least $20,000 p.a.
The Virgin Flyer Credit Card		20.99%	Ask on application	Yes	N/A	20.99% p.a.	6.9% p.a.	20.99% p.a.	No
The Virgin Flyer Credit Card	Now every time you buy with Virgin you can fly on Virgin. Genius. Earn 1 Velocity Point per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2. DETAIL INFORMATION >>									Services Services Get access to all the great Virgin family offers. Advantages Advantages 1. Earn 1 Velocity Point per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2. 2. Buy a seat on Virgin Blue and get a second seat for FREE. 3. All you have to do is cover the credit card booking fees. 4. An impressive balance transfer rate of 6.9% p.a. for the first 6 months. 5. Get access to all the great Virgin family offers. 6. Enjoy up to 44 Interest free days. Disadvantages Disadvantages 1. Annual fee of $99 2. You must be at least 18 years of age to apply for a credit card. You must also earn at least $50,000 p.a. for the Virgin Flyer Credit Card. 3. Additional Card Fee - $39
St. George Vertigo MasterCard		12.49%	Starting from $500	No	N/A	21.24%	2.99%	12.49%	No
St. George Vertigo MasterCard	The St. George Vertigo Mastercard claims to be your low rate shopping card. You currently receive an ongoing variable interest rate on purchases which is currently 12.49%. DETAIL INFORMATION >>									Services Services 1. Up to 55 days interest free on purchases 2. Additional card for a friend or family member at no extra cost 3. Linked access to your St.George accounts 4. Credit limit starting at $500 5. Switch to eStatements and stop receiving paper statements. You can also view, print and save at least 2 years of statements online Advantages Advantages 1. The low rate credit card for those who love to shop 2. Calculate how much you could save with the Balance Transfer calculator. 3. Instant discounts and added extras with St.George Instant Benefits Disadvantages Disadvantages 1. $55 annual fee 2. New purchase rate of 12.49%
St. George Platinum Credit Card		15.74%	Starting from $8,000	No	N/A	21.24%	3.99%	15.74%	No
St. George Platinum Credit Card	The St. George Platinum low interest rate credit card is the ultimate card for shopping and travelling. It offers 15.74% on purchases and 3.99% balance transfers rate for up to 6 months. The Platinum annual fee is $89, with this you will receive complimentary shopping and travel insurances. DETAIL INFORMATION >>									Services Services 1. Overseas travel insurance covers you and your family for medical expenses, unexpected trip cancellation or delays, rental vehicle excess and much more. 2. Up to 3 free additional cards for your friends or family members 3. Linked access to your other St.George accounts 4. Higher credit limits - starting from $8,000 5. Switch to eStatements and stop receiving paper statements. You can also view, print and save at least 2 years of statements online Advantages Advantages 1. The ultimate credit card for shopping and travelling 2. 3.99% balance transfer rate for up to 6 months 3. Complimentary shopping and travel insurances 4. 24 x 7 Personal Concierge Service 5. Instant discounts and added extras with St.George Instant Benefits Disadvantages Disadvantages 1. Platinum annual fee of $89
St. George Amplify Credit Card		18.49%	Starting from $1,000	No	N/A	20.49%	0.99%	18.49%	No
St. George Amplify Credit Card	The St. George Amplify Credit Card is the rewards card that gives you choice. You can choose to link your card to either Amplify Rewards or Amplify Quantas. In addition to this you receive up to 55 days interest free on purchases and a 0.99% balance transfer rate up to 6 months. You can go online and calculate how much you can save with the balance transfer calculator. DETAIL INFORMATION >>									Services Services 1. Choice of Rewards - Link your card to either Amplify Rewards or Amplify Qantas 2. Additional card for your friend or family member 3. Linked Access to your St George accounts 4. Credit limit starting at $1000 5. Protection from fraud 6. Free, secure online shopping service Advantages Advantages 1. Earn points while you shop with your Amplify card 2. Choose to link your card to either Amplify Rewards or Amplify Qantas 3. 0.99% balance transfer rate for up to 6 months. 4. Up to 55 days Interest Free on Purchases. Disadvantages Disadvantages 1. Annual Fee is $79 2. The earning of Amplify points through the use of an Amplify Card is subject to the Amplify Rewards Terms and Conditions. 3. The earning of Qantas Frequent Flyer points through the use of an Amplify Card is subject to the Amplify Qantas Terms and Conditions
Commonwealth Bank Low Fee Card		19.24%	Starting from $500	Yes	N/A	20.74%	5.99%	12.49%	No
Commonwealth Bank Low Fee Card	The Commonwealth Bank Low Fee Credit Card offers no annual fee for Commonwealth Bank customers who hold a qualifying Commonwealth bank account or loan at the time of application and spend at least $1,000 (purchases and cash advances) or more per year. DETAIL INFORMATION >>									Services Services 1. Enhanced security chip protection 2. Secure Internet Shopping 3. Card Repayment Cover - CreditCard Plus (optional) Advantages Advantages 1. Free additional card. 2. Enhanced security chip protection. 3. Secure internet shopping. 4. Mastercard paypass. 5. Mastercard applause. 6. Secure sentinal (optional). 7. Card repayment cover (optional). Disadvantages Disadvantages 1. Cash advance Rate (p.a.) 20.74% p.a. 2. Late payment fee $25. 3. Additional cardholders cannot apply for a balance transfer. 4. Only six balance transfers per calendar year. 5. Does not offer a rewards program.
ANZ First Visa		18.99%	Starting from $1,000	Yes	N/A	20.74%	7.99%	18.99%	No
ANZ First Visa	The ANZ First Visa offers a simple, straight forward, low annual fee credit card. They offer you 7.99% p.a on balance transfers for the first 6 months and up to 44 days interest free credit on purchases, if you pat your account in full by the due date each month. DETAIL INFORMATION >>									Services Services 1. 7.99% p.a. on balances transferred for the first 6 months 2. Minimum credit limit $1,000 Advantages Advantages 1. 7.99% p.a. balance transfers for the first 6 months. 2. Up to 44 days interest free credit on purchases, if you pay your account in full by the due date each month. 3. Interest rate of 18.99% p.a. 4. Visa acceptance at over 24 million locations worldwide. Disadvantages Disadvantages 1. You must be over 18 years of age 2. You must have a good credit rating 3. you must be earning a minimum annual income of $15,000. If you are a non-permanent Australian resident you must earn a minimum of $50,000 4. There is an annual management fee of $30
ANZ Balance Visa Card		13.74%	Starting from $1,000	Yes	Yes	21.49%	0.00%	13.99%	No
ANZ Balance Visa Card	The ANZ Balance Visa rewards you for reducing your balance. You can receive cash back to your ANZ Balance Visa or redeem Rewards Points for Shopping Vouchers and Gift Cards from some of Australia’s leading retailers. Once you have been approved, you may expect to receive your rewards credit card within five business days. DETAIL INFORMATION >>									Services Services 1. Worldwide emergency credit card replacement. Advantages Advantages 1. Rewards credit card with low rate on purchases. 2. Be rewarded for reducing your balance on your rewards points credit card. 3. Have 24/7 Falcon™ around the clock monitoring for suspicious transactions on your ANZ Balance Visa credit card. 4. Earn one rewards point for every $1 you repay to your balance, including repayments to purchases, fees, interest, cash advances and repayments on balances transferred. 5. Set up auto-redemption so your chosen reward is automatically sent to you when you are eligible for it. 6. Rewards points never expire as long as your account remains open. 7. You can load your favourite images onot your rewards points credit card. Disadvantages Disadvantages 1. There is a total annual fee of $79. 2. Minimum credit limit of $1,000. 3. Rewards points are not earned on cashback transactions to your account.
ANZ Frequent Flyer Credit Card		19.49%	Starting from $1,000	No	N/A	20.74%	N/A	19.49%	No
ANZ Frequent Flyer Credit Card	The ANZ Frequent Flyer gives you all the benefits of two credit cards rolled into one credit card account. You can turn your everyday purchase and those occasional big purchase items into Quantas Frequent Flyer points. The Quantas Frequent Flyer points you earn are automatically credited to your Quantas Frequent Flyer account each month. DETAIL INFORMATION >>									Services Services 1. make it easier for you, your credit limit stays the same and is shared across your ANZ Frequent Flyer American Express and ANZ Frequent Flyer Visa. Transactions on either card will contribute towards your outstanding balance. Advantages Advantages 1. One Statement, One Credit Limit, One Total Annual Fee 2. Uncapped Qantas Frequent Flyer points earning. 3. You could maximise your Qantas Frequent Flyer points1 earning when using your ANZ Frequent Flyer American Express credit card. 4. Continue to see your points grow with the convenience of 29 million locations worldwide when using your ANZ Frequent Flyer Visa credit card. Disadvantages Disadvantages 1. Total annual fee is $95 2. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program services fee of $55 apply per additional cardholder on the account
Suncorp Bank Clear Options Platinum		19.99%	Up to $30,000	Yes	Yes	19.99%	3.9%	19.99%	No
Suncorp Bank Clear Options Platinum	The Suncorp Clear Options Platinum Credit Card offers you exclusive privileges and an extensive choice of rewards. This card is suitable for you if you would like to save on interest by consolidating your debts to one easy to manage account with a low promotional balance transfer rate of 3.9% for the life of the balance transferred. DETAIL INFORMATION >>									Services Services 1. Minimum Income Requirement $50,000 p.a. 2. Minimum Age 18 3. Additional Cardholders Up to 4 4. Additional Cardholder Minimum Age 16 5. Internet and phone banking Advantages Advantages 1. Personal 24 Hour Concierge Service 2. Complimentary Rewards Program 3. The option of earning Qantas Frequent Flyer points 4. Privileges and special offers 5. Complimentary Purchase Cover Insurance Disadvantages Disadvantages 1. Annual Fee $205 2. Additional Card Annual Fee $15
Aussie MasterCard		12.79%	$1,000 - $15,000	No	N/A	Dependent on offer	Dependent on offer	12.79%	No
Aussie MasterCard	The Aussie Mastercard gives you the option to choose from four different offers for an even better deal suited to you. You can choose to get your credit under control, make the most of their lowest rate, save $49 on your annual account fee or for the first nine months just pay 4.99% on purchases. The choice is yours! DETAIL INFORMATION >>									Services Services 1. Four different offers to choose from for an even better deal to get you started Offer 1 For the first 12 months pay just 3.99%p.a. on balance transfers², a more manageable way to repay credit card and store card debts Offer 2 For the first nine months, you’ll pay just 4.99%p.a. on purchases3 made on your Aussie MasterCard. Now that’s affordable. Offer 3 Get our lowest rate for the first six months: you’ll pay just 2.99%p.a on both credit card balance transfers and purchases Offer 4 That’s a saving of $49. If you pay off your card balance in full every month, this deal could be the biggest money-saver for you. Advantages Advantages 1. A low ongoing interest rate on purchases, currently 12.79%p.a. 2. Up to 55 days interest-free credit on purchases 3. A low annual fee of only $49. 4. 24/7 online account access or over the phone. 5. Fraud protection – and the confidence of knowing we’ll call you if we spot any suspicious use of your credit card. 6. Four special offers so that you can choose the one that suits you best. Disadvantages Disadvantages 1. Annual fee of $49 2. You must have a good credit rating be approved.
ANZ Rewards Credit Card		19.49%	From $1,000	Yes	N/A	20.74%	0.00%	19.49%	No
ANZ Rewards Credit Card	The ANZ Rewards Card give you the benefits of one shared account, one total annual fee, one monthly statement and one credit limit for two credit cards. The new ANZ Rewards American Express card works in conjunction with your ANZ rewards Visa card to help you earn the maximum Reward Points on this account. DETAIL INFORMATION >>									Services Services 1. Earn 2 Reward Points for every $1 spent on purchases using the ANZ Rewards American Express card. 2. Earn 1.5 Reward Points for every $1 spent on purchases using your ANZ Rewards Visa card. Advantages Advantages 1. Two cards. One account 2. Redeem for hundreds of different rewards 3. Earn Double Reward Points on purchases for the first 3 months if you apply by 1 June 2010 Disadvantages Disadvantages 1. Annual fee of $89 2. For additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 apply per additional cardholder on the account.
ANZ Gold Card		18.99%	Ask on application	Yes	N/A	20.74%	7.99%	18.99%	No
ANZ Gold Card	The ANZ Gold Card allows you to enjoy two tiers of insurance protection, overseas travel and medical insurance and 90-day purchase security insurance. This card is suitable for you if you wish to transfer balances with a low balance transfer rate of 7.99% for the first 6 months and have 24/7 Falcon around the clock monitoring for suspicious transactions on your card. DETAIL INFORMATION >>									Services Services ANZ Car Rental Cover at no additional charge Advantages Advantages 1. Enjoy the benefits of a gold card with two types of insurance protection 2. Transfer balances with a low balance transfer rate of 7.99% p.a. for the first 6 months 3. Have 24/7 Falcon™ around the clock monitoring for suspicious transactions on your ANZ Gold card. Disadvantages Disadvantages 1. Minimum income $50,000 2. Annual account fee $87 3. The balance transfer interest rate reverts to the standard variable interest rate applicable to purchases on your card after 6 months from the date the card is approved and any balances that remain unpaid at the end of this period will become subject to the standard variable rate for purchases.