Credit Cards

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

Credit Report        Credit Cards Information

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 credit 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 as an alternative to credit cards.

Need Help? If you would like further information and wish to speak to someone: Contact Us >>
Enquiry Line: +61 (0) 2 91916575

COMPANYISSUERAPRFEESCREDIT LIMITCHIP & PINCASH BACKCASH ADVANCESBALANCE TRANSFERNEW PURCHASEREBUILD CREDITMORE INFO
The Virgin No Annual Fee Credit Card
The Virgin No Annual Fee Credit Card		Visa Card18.99%p.a$0 p.a.VariesYesN/A20.99% p.a.2.9% p.a.
(6 months) 20.99% p.a		18.99%p.aNoThe Virgin No Annual Fee Credit Card
The Virgin No Annual Fee Credit Card allows you to enjoy all the advantages of having a card without having to pay an annual fee! This makes it a strong contender to other credit cards. 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 $25,000 p.a.

Vertigo MasterCard®
Vertigo MasterCard®		Mastercard13.24 % p.a$55 annual feeVariesNoN/A21.49% p.a. variable rate0.99% p.a. up to 12 months13.24 % p.a.NoVertigo MasterCard®
The Bank of Melbourne Vertigo MasterCard is designed to help cardholders reduce interest charges and make it easier to use a low interest credit card. With an ultra-low purchase interest rate and an extremely competitive balance transfer rate, there are plenty of ways for customers to save money. There is also the flexibility of being able to use the card anywhere where the MasterCard symbol is displayed, at millions of locations around the world. Add to this a low annual fee, and it’s easy to see how this card will quickly become a favourite.
DETAIL INFORMATION >>		Services

Services

1. Secure shopping
2. 24/7 Falcon® Fraud monitoring
3. Free Additional cardholder
4. Low annual fee
5. Up to 55 days Interest free period
6. Low balance transfer rate
7. Competitive interest rates


Advantages

Advantages

1. 0.99% p.a. on balance transfers for up to 12 months
2. Low variable purchase rate – just 13.24% p.a. (21.49% p.a. variable rate on cash advances)
3. Up to 55 days interest free on purchases when you pay the closing balance of your statement in full by the due date
4. Low annual fee - currently just $55
5. Special balance transfer rate available until February 29th 2012
6. 10-15 minute application form


Disadvantages

Disadvantages

1. Late Payment Fee - $9 applied for each late or missed payment
2. Card Replacement Fees - $15 per card within Australia
3. $45 per Emergency/Urgent Replacement Card.
4. Overlimit Fee - $9 applied once per statement period if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card account
5. Statement Copy Fee - $4.50 for requests via Phone Banking or Internet Banking

St. George Amplify Credit Card
St. George Amplify Credit Card		Visa Card18.49% p.a$79 p.a.Starting from $1,000NoN/A20.49% p.a0.99% p.a
(6 months)18.49%p.a.		18.49% p.aNoSt. 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

St. George Vertigo MasterCard
St. George Vertigo MasterCard		Mastercard13.24% p.a$55 p.aStarting from $500NoN/A21.49% p.a.0.99% p.a. for up to 12 months13.24% p.aNoSt. 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 13.24% p.a The low rate credit card for those who love to shop.
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
4. 0.99% p.a. on balance transfers for up to 12 months, must apply before April 11th 2012 for promotional balance transfer rate.


Disadvantages

Disadvantages

1. $55 annual fee
2. New purchase rate of 13.24% p.a

Virgin Money High Flyer Card
Virgin Money High Flyer Card		Visa Card20.99% p.a.$249 p.a.VariesYesN/A20.99% p.a.1.9% p.a. (6 Months) + 15,000 Velocity Points20.99% p.a.NoVirgin Money High Flyer Card
Receive a low balance transfer rate of 1.9% for the first 6 months with the Virgin High Flyer credit Card. Earn 15,000 bonus Velocity Points when you apply and spend by 31st March 2012. Receive this plus a host of other Platinum benefits all for the value for an annual card fee of $249.
DETAIL INFORMATION >>		Services

Services

A low balance transfer rate of 2.9% p.a. for the first 12 months


Advantages

Advantages

1. A low balance transfer rate of 1.9% p.a. for the first 6 months6, reverting to the cash advance rate after 6 months.
2. Earn 15,000 bonus Velocity Points^. Simply apply for a Virgin High Flyer Credit Card by 31 March 2012 and spend $5000 over the first
3 months. 3. You'll earn 1.25 Velocity Points3 per $1 spent, uncapped!
4. Buy a Virgin Australia domestic seat and we’ll give you a complimentary seat8 on the same flight up to 4 times every year! Just cover the credit card booking fees. Flights subject to availability, conditions apply.
5. Complimentary International Travel Insurance for you and your family.
6. Enjoy our highest level of service, with your very own personal concierge.
7. Enjoy up to 44 interest free days.
8. All this value for an annual Card fee of $249.
9. Plus a host of other Platinum benefits.


Disadvantages

Disadvantages

1. Annual Card fee of $249.
2. You must earn more than $40,000 a year

HSBC Platinum Credit Card
HSBC Platinum Credit Card		Visa Card19.99% p.a.$0variesYesN/A21.99% p.a0% p.a. (6 months)19.99% p.aNoHSBC Platinum Credit Card
As you step into the world of HSBC Platinum, awaiting you is a bouquet of privileges to enhance your Platinum experience. Each of these gives you the very best in its own realm of lifestyle - travel, health and wellness; making sure that you Never Settle For Less.
DETAIL INFORMATION >>		Services

Services

The Platinum side of life offers you a range of special privileges and offers just for you.
1. Concierge
2. Theatre and Films
3. Home Entertainment
4. Music and Events
5. Travel and Lifestyle Travel
 
More Platinum Benefits:
1. Rewards Plus Program
2. Instant Rewards
 
Prestigious Protection:
1. Extended Warranty Insurance
2. Guaranteed Pricing Scheme
3. Purchase Protection Insurance
4. Transit Accident Insurance
5. International Travel Insurance


Advantages

Advantages

1. 0%p.a. balance transfer for 6 months from non-HSBC credit and store cards (a 2% handling fee will apply)
2. $0 annual fee for the first year (a saving of $129)
3. Earn Rewards Points on every dollar you spend on purchases and choose your own rewards from travel to shopping to charity donations
4. Comprehensive insurance package including International Travel Insurance, Extended Warranty insurance and Purchase Protection Insurance
5. Up to 55 days interest-free on purchases (when you pay the full balance by the due date each month).
6. Priority 24-hour customer service
7. Visa Platinum Concierge and Airport Service


Disadvantages

Disadvantages

1. Additional statement charge – per statement - $8.00
2. Return Fee – per return - $15.00
3. Overlimit Arrangement Fee –payable when your informal request for a credit limit increase is agreed - $30.00
4. Late Payment Reminder Fee –payable on or after the day an amount is due for payment and has not been paid - $30.00

St. George Platinum Credit Card
St. George Platinum Credit Card		Visa Card15.74% p.a$89 p.aStarting from $8,000NoN/A21.24% p.a3.99% p.a
(6 months) 15.74% p.a		15.74% p.aNoSt. 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

The Virgin Flyer Credit Card
The Virgin Flyer Credit Card		Visa Card0%$99 p.aVariesYesN/A20.99% p.a.1.9% p.a. (9 months)0% p.a (6 months) 20.99% p.aNoThe 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. An impressive rate of 0% p.a. on balances transferred for 6 months6, reverting to the cash advance rate after 6 months.
2. As an added bonus, enjoy 0% p.a. on all purchases made on your account for 6 months6.
3. You'll earn 1 Velocity Point per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2 spent.
4. Buy a Virgin Australia domestic seat and we’ll give you a complimentary seat8 on the same flight up to 4 times every year! Just cover the credit card booking fees. Flights subject to availability, conditions apply.
5. Enjoy up to 44 interest free days1.
6. You'll get all this for just a $99 annual fee.


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 $35,000 p.a. for the Virgin Flyer Credit Card.
3. Additional Card Fee - $39

HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card		Visa Card20.99% p.a.$199 p.aFrom $6,000YesN/A21.99% p.a0% p.a. (6 months) 5.99% p.a.20.99% p.a.NoHSBC Platinum Qantas Credit Card
The new HSBC Platinum Qantas Credit Card gives you a great range of Qantas rewards and travel privileges. Enjoy everything from 2 Qantas Frequent Flyer points for every dollar spent overseas and at international online retailers, to complimentary invitations to the Qantas Club lounge - all in one card. Also for 6 months there is a 0% p.a. rate on balance tranfers from non-HSBC credit card and store cards (2% handling fee) plus you get 20,000 Bonus Points.
DETAIL INFORMATION >>		Services

Services

1. Extended Warranty Insurance
2. Guaranteed Pricing Scheme
3. Purchase Protection Insurance
4. Transit Accident Insurance


Advantages

Advantages

1. 20,000 bonus Qantas Frequent Flyer points
2. 0%p.a. balance transfer for 6 months from non-HSBC credit and store cards (a 2% handling fee will apply)
3. 2 Qantas Frequent Flyer points for every $1 spent on eligible purchases overseas (including international online retailers)
4. 1 Qantas Frequent Flyer point for every $1 spent on eligible purchases in Australia
5. 2 Complimentary invitations to the Qantas Club lounge every year
6. Complimentary membership to the Qantas Frequent Flyer Program (valued at $82.50) if you aren't already a member.
7. Comprehensive insurance package including International Travel Insurance, Extended Warranty insurance and Purchase Protection Insurance
8. Up to 55 days interest-free on purchases (when you pay the full balance by the due date each month).
9. Priority 24-hour customer service
10. Visa Platinum Concierge and Airport Service


Disadvantages

Disadvantages

1. You earn a gross minimum annual income of $60,000 per annum (before tax)

HSBC Credit Card
HSBC Credit Card		Visa Card17.99% p.a$0 p.a.VariesNoN/A21.99% p.a5.99% for first 6 months17.99% p.aNoHSBC Credit Card
As time passes, things change. But some things don't have to. That's why, for the life of your HSBC Credit Card, you'll never pay an annual fee. With the HSBC Credit Card, you'll love the passing of time. Plus, for a limited time only, take advantage of a 0%p.a. balance transfer* for 6 months from non HSBC credit and store cards. (*Offer ends 31 December 2011.)

DETAIL INFORMATION >>		Services

Services

1. 5.99% Balance transfer for the first 6 months when you transfer balances from non-HSBC credit and store cards
2. $0 Annual Fee for the life of the Credit Card
3. Low interest rate of just 17.99% p.a on purchases
4. Up to 55 days interest-free on purchases when you pay the full balance by the due date


Advantages

Advantages

1. 0%p.a. balance transfer for 6 months1 from non-HSBC credit and store cards (with a 2% handling fee).
2. No annual fee for the life of the card2.
3. Winner of Money Magazine's 2010 and 2011 'Best Transactor Credit Card'.
4. Up to 55 days interest-free on purchases3 (when you pay the full balance by the due date each month).
5. Special privileges at over 19,000 retailers in more than 160 countries and territories with the home&Away Privilege Program.
6. Free additional cardholders.
7. Interest free purchases of up to 5 years at over 1,000 participating retailers4 across Australia.


Disadvantages

Disadvantages

1. The $0 Annual Fee applies to the standard HSBC Credit Card only, and only applies while you remain an HSBC customer.
2. To be eligible for the introductory balance transfer rate, the balance transfer request must be made at the time of applying for the new HSBC Credit Card, or within 1 month of receiving the new card.
3. HSBC cardholders who have previously cancelled the same card type as the new card they are applying for may not be entitled to any promotional offers.
4. There are no interest-free days on cash advances and balance transfers.

News / Charts News and Charts

Australia’s Trade Surplus Soars To Record Highs
02 February 2012
Which Way to Pay
Australia’s currency is currently enjoying a five month high as its trade surplus reaches record highs thanks to coal and iron ore shipments in 2011.
Read More >>		Home Is Where The Heart Is – Protect It!
02 February 2012
Which Way to Pay
Finding the right cover to fully protect your home and its contents is an important financial decision that should not be taken too lightly.
Read More >>		Australian House Prices Fall Again
01 February 2012
Which Way to Pay
The Australian Bureau of Statistics released data that showed the price for houses fell 1 % in the December quarter and by 4.8 % in 2011.
Read More >>