Best credit cards in Australia
Cards ranked by category using CardIQ: a data-driven rating across fees, earn rates, rewards value and more. Rankings are generated algorithmically, with no human input, and update whenever product data changes.
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Best 0% purchase credit cards
Spread a big purchase over an interest-free period.
How we score this →#1
67Good
Credit Union SA Education Community Credit Card
- Intro purchase rate
- 0%
- 0% purchase period
- 6 months
- Purchase rate
- 11.49% p.a. (Very Low)
- Annual fee
- $0 (Below average for Standard cards)
#2
67Good
Credit Union SA Workplace Benefits Credit Card
- Intro purchase rate
- 0%
- 0% purchase period
- 6 months
- Purchase rate
- 11.49% p.a. (Very Low)
- Annual fee
- $0 (Below average for Standard cards)
#3
64Good
Bankwest Zero Platinum Mastercard
8 reviews
- Intro purchase rate
- 0%
- 0% purchase period
- 6 months
- Purchase rate
- 18.99% p.a. (Low)
- Annual fee
- $0 (Below average for Platinum cards)
Best 55 days interest-free credit cards
Up to 55 days interest-free on your purchases.
How we score this →#1
70Strong
humm90 Platinum Mastercard
- Interest-free days
- Up to 110 (Above average)
- Purchase rate
- 27.30% p.a. (Very High)
- Annual fee
- $119 (Below average for Platinum cards)
- Foreign transaction fee
- 0% (No foreign fee)
#2
66Good
Bankwest Breeze Platinum Mastercard
8 reviews
- Interest-free days
- Up to 55 (Above average)
- Purchase rate
- 12.99% p.a. (Very Low)
- Annual fee
- $59 (Below average for Platinum cards)
- Foreign transaction fee
- 0% (No foreign fee)
#3
65Good
Bank First Visa Platinum Credit Card
- Interest-free days
- Up to 55 (Above average)
- Purchase rate
- 11.49% p.a. (Very Low)
- Annual fee
- $99 (Below average for Platinum cards)
- Foreign transaction fee
- 0% (No foreign fee)
Best airport lounge credit cards
Relax before your flight with complimentary lounge access.
How we score this →#1
49Fair
American Express Platinum Card
16 reviews
- Rewards program
- American Express Membership Rewards
- Earn rate
- 2.25 pts per $1 (Very high)
- Sign-up bonus
- 200,000 pts
- Annual fee
- $1,450 (Above average for Platinum cards)
#2
48Fair
Westpac Altitude Rewards Black
18 reviews
- Rewards program
- Westpac Altitude Rewards
- Earn rate
- 1 pt per $1 (High)
- Sign-up bonus
- 200,000 pts
- Annual fee
- $200 (Average for Black cards)
#3
48Fair
St.George Amplify Rewards Signature
4 reviews
- Rewards program
- Amplify Rewards
- Earn rate
- 1 pt per $1 (High)
- Sign-up bonus
- 200,000 pts
- Annual fee
- $199 (Average for Signature cards)
Best balance transfer credit cards
Move existing debt to 0% and pay it down faster.
How we score this →#1
72Strong
Bankwest Breeze Classic Mastercard
12 reviews
- Transfer rate
- 0% (Interest-free)
- 0% period
- 24 months (Long)
- Transfer fee
- 3% (High)
- Annual fee
- $49 (Average for Standard cards)
- Est. BT saving
- $1,850 on a $5,000 balance (High saving)
#2
71Strong
Bankwest Breeze Platinum Mastercard
8 reviews
- Transfer rate
- 0% (Interest-free)
- 0% period
- 24 months (Long)
- Transfer fee
- 3% (High)
- Annual fee
- $59 (Below average for Platinum cards)
- Est. BT saving
- $1,850 on a $5,000 balance (High saving)
#3
71Strong
Heritage Bank Gold Low Rate Credit Card
1 review
- Transfer rate
- 0% (Interest-free)
- 0% period
- 12 months (Average length)
- Transfer fee
- 0% (No fee)
- Annual fee
- $0 (Below average for Gold cards)
- Est. BT saving
- $1,000 on a $5,000 balance (Good saving)
Best business credit cards
Manage business spending and earn points as you go.
How we score this →#1
52Fair
American Express Platinum Business Card
6 reviews
- Rewards program
- American Express Membership Rewards
- Earn rate
- 2.25 pts per $1 (Very high)
- Interest-free days
- Up to 55 (Above average)
- Annual fee
- $1,750 (Above average for Platinum cards)
#2
48Fair
St.George Amplify Business Credit Card
- Rewards program
- Amplify Rewards
- Earn rate
- 1 pt per $1 (Average)
- Interest-free days
- Up to 55 (Above average)
- Annual fee
- $0 (Above average for Standard cards)
#3
48Fair
BankSA Amplify Business Credit Card
- Rewards program
- Amplify Rewards
- Earn rate
- 1 pt per $1 (Average)
- Interest-free days
- Up to 55 (Above average)
- Annual fee
- $0 (Above average for Standard cards)
Best cashback credit cards
Earn cash back on your everyday spending.
How we score this →#1
87Excellent
St.George Vertigo Card - Cashback Offer
- Cashback offer
- $450 sign-up
- Interest-free days
- Up to 55 (Above average)
- Annual fee
- $55 (Average for Standard cards)
- Est. first-year cashback
- $450 at $3,000/mo spend (High)
#2
87Excellent
Bank of Melbourne Vertigo Card - Cashback Offer
- Cashback offer
- $450 sign-up
- Interest-free days
- Up to 55 (Above average)
- Annual fee
- $55 (Average for Standard cards)
- Est. first-year cashback
- $450 at $3,000/mo spend (High)
#3
87Excellent
BankSA Vertigo - Cashback Offer
- Cashback offer
- $450 sign-up
- Interest-free days
- Up to 55 (Above average)
- Annual fee
- $55 (Average for Standard cards)
- Est. first-year cashback
- $450 at $3,000/mo spend (High)
Best first timer credit cards
Low fees and rates to start your credit history.
How we score this →#1
81Strong
UniBank Credit Card
- Purchase rate
- 11.50% p.a. (Very Low)
- Interest-free days
- Up to 55 (Above average)
- Annual fee
- $0 (Below average for Standard cards)
#2
81Strong
American Express Low Rate Credit Card
- Purchase rate
- 10.99% p.a. (Very Low)
- Interest-free days
- Up to 55 (Above average)
- Annual fee
- $0 (Below average for Standard cards)
#3
81Strong
Credit Union SA Education Community Credit Card
- Purchase rate
- 11.49% p.a. (Very Low)
- Interest-free days
- Up to 55 (Above average)
- Annual fee
- $0 (Below average for Standard cards)
Best frequent flyer credit cards
Earn airline points on everyday spending and fly for less.
How we score this →#1
65Good
American Express Platinum Card
16 reviews
- Rewards program
- American Express Membership Rewards
- Earn rate
- 2.25 pts per $1 (Very high)
- Sign-up bonus
- 200,000 pts
- Annual fee
- $1,450 (Above average for Platinum cards)
- Est. annual rewards value
- $450 at $20,000 spend (Average)
- Fee break-even
- $64,445 annual spend (High spend required)
#2
65Good
American Express Platinum Business Card
6 reviews
- Rewards program
- American Express Membership Rewards
- Earn rate
- 2.25 pts per $1 (Very high)
- Sign-up bonus
- 350,000 pts
- Annual fee
- $1,750 (Above average for Platinum cards)
- Est. annual rewards value
- $450 at $20,000 spend (Average)
- Fee break-even
- $77,778 annual spend (High spend required)
#3
57Good
NAB Rewards Business Signature Card
- Rewards program
- NAB Rewards
- Earn rate
- 1.25 pts per $1 (Average)
- Sign-up bonus
- 200,000 pts
- Annual fee
- $175 (Below average for Signature cards)
- Est. annual rewards value
- $250 at $20,000 spend (Below average)
- Fee break-even
- $14,000 annual spend (High spend required)
Best low rate credit cards
A low ongoing rate for when you carry a balance.
How we score this →#1
83Strong
Police Credit UnionStandard
•••• •••• •••• ••••
Credit Card CompareVisa
Police Credit Union SoLo Credit Card
- Purchase rate
- 8.74% p.a. (Very Low)
- Interest-free days
- Up to 0
- Annual fee
- $0 (Below average for Standard cards)
- Est. monthly interest
- $36 on a $5,000 balance (Average)
#2
79Strong
American Express Low Rate Credit Card
- Purchase rate
- 10.99% p.a. (Very Low)
- Interest-free days
- Up to 55 (Above average)
- Annual fee
- $0 (Below average for Standard cards)
- Est. monthly interest
- $46 on a $5,000 balance (Average)
#3
78Strong
Teachers Mutual Bank Credit Card
6 reviews
- Purchase rate
- 11.50% p.a. (Very Low)
- Interest-free days
- Up to 55 (Above average)
- Annual fee
- $0 (Below average for Standard cards)
- Est. monthly interest
- $48 on a $5,000 balance (Average)
Best no annual fee credit cards
Skip the annual fee and cut your ongoing costs.
How we score this →#1
73Strong
Bankwest Zero Platinum Mastercard
8 reviews
- Annual fee
- $0 (Below average for Platinum cards)
- Purchase rate
- 18.99% p.a. (Low)
- Interest-free days
- Up to 55 (Above average)
- Foreign transaction fee
- 0% (No foreign fee)
#2
72Strong
Bendigo Bank Ready Credit Card
- Annual fee
- $0 (Below average for Standard cards)
- Purchase rate
- 19.99% p.a. (Average)
- Interest-free days
- Up to 55 (Above average)
- Foreign transaction fee
- 0% (No foreign fee)
#3
71Strong
Teachers Mutual Bank Credit Card
6 reviews
- Annual fee
- $0 (Below average for Standard cards)
- Purchase rate
- 11.50% p.a. (Very Low)
- Interest-free days
- Up to 55 (Above average)
- Foreign transaction fee
- 2.9% (Average)
Best no foreign fee credit cards
Skip foreign transaction fees on overseas and online spend.
How we score this →#1
80Strong
Bankwest Breeze Platinum Mastercard
8 reviews
- Foreign transaction fee
- 0% (No foreign fee)
- Annual fee
- $59 (Below average for Platinum cards)
- Purchase rate
- 12.99% p.a. (Very Low)
- Rewards program
- —
#2
79Strong
Bankwest Zero Platinum Mastercard
8 reviews
- Foreign transaction fee
- 0% (No foreign fee)
- Annual fee
- $0 (Below average for Platinum cards)
- Purchase rate
- 18.99% p.a. (Low)
- Rewards program
- —
#3
79Strong
Bendigo Bank Ready Credit Card
- Foreign transaction fee
- 0% (No foreign fee)
- Annual fee
- $0 (Below average for Standard cards)
- Purchase rate
- 19.99% p.a. (Average)
- Rewards program
- —
Best Qantas Points credit cards
Earn Qantas Points on everyday spending.
How we score this →#1
65Good
American Express Platinum Card
16 reviews
- Rewards program
- American Express Membership Rewards
- Earn rate
- 2.25 pts per $1 (Very high)
- Sign-up bonus
- 200,000 pts
- Annual fee
- $1,450 (Above average for Platinum cards)
#2
48Fair
Qantas Money Titanium
- Rewards program
- Qantas Frequent Flyer
- Earn rate
- 1.25 pts per $1 (Average)
- Sign-up bonus
- 150,000 pts
- Annual fee
- $1,200 (Above average for Standard cards)
#3
46Fair
American Express Qantas Business Rewards Card
- Rewards program
- Qantas Business Rewards
- Earn rate
- 1.25 pts per $1 (Average)
- Sign-up bonus
- 150,000 pts
- Annual fee
- $450 (Above average for Standard cards)
Best rewards credit cards
Earn flexible points to redeem your way.
How we score this →#1
70Strong
Bank of ChinaGold
•••• •••• •••• ••••
Credit Card CompareUnionPay
Bank of China Global UnionPay Card
- Rewards program
- Bank of China Rewards
- Earn rate
- 5 pts per $1 (Very high)
- Sign-up bonus
- —
- Annual fee
- $60 (Below average for Gold cards)
- Est. annual rewards value
- $500 at $20,000 spend (Average)
- Fee break-even
- $2,400 annual spend (Low spend required)
- Sign-up bonus value
- —
#2
58Good
American Express Platinum Card
16 reviews
- Rewards program
- American Express Membership Rewards
- Earn rate
- 2.25 pts per $1 (Very high)
- Sign-up bonus
- 200,000 pts
- Annual fee
- $1,450 (Above average for Platinum cards)
- Est. annual rewards value
- $450 at $20,000 spend (Average)
- Fee break-even
- $64,445 annual spend (High spend required)
- Sign-up bonus value
- ~$2,000 (Exceptionally high)
#3
58Good
American Express Platinum Business Card
6 reviews
- Rewards program
- American Express Membership Rewards
- Earn rate
- 2.25 pts per $1 (Very high)
- Sign-up bonus
- 350,000 pts
- Annual fee
- $1,750 (Above average for Platinum cards)
- Est. annual rewards value
- $450 at $20,000 spend (Average)
- Fee break-even
- $77,778 annual spend (High spend required)
- Sign-up bonus value
- ~$3,500 (Exceptionally high)
Best sign-up bonus credit cards
Kick-start your balance with a bonus offer.
How we score this →#1
73Strong
American Express Platinum Card
16 reviews
- Rewards program
- American Express Membership Rewards
- Sign-up bonus
- 200,000 pts
- Earn rate
- 2.25 pts per $1 (Very high)
- Annual fee
- $1,450 (Above average for Platinum cards)
#2
73Strong
American Express Platinum Business Card
6 reviews
- Rewards program
- American Express Membership Rewards
- Sign-up bonus
- 350,000 pts
- Earn rate
- 2.25 pts per $1 (Very high)
- Annual fee
- $1,750 (Above average for Platinum cards)
#3
67Good
NAB Rewards Business Signature Card
- Rewards program
- NAB Rewards
- Sign-up bonus
- 200,000 pts
- Earn rate
- 1.25 pts per $1 (Average)
- Annual fee
- $175 (Below average for Signature cards)
Best travel credit cards
Spend overseas without the fee sting.
How we score this →#1
70Strong
Bankwest More Platinum Mastercard
5 reviews
- Rewards program
- Bankwest More Rewards Program
- Earn rate
- 2 pts per $1 (Very high)
- Foreign transaction fee
- 0% (No foreign fee)
- Annual fee
- $160 (Average for Platinum cards)
#2
68Good
Bankwest More World Mastercard
4 reviews
- Rewards program
- Bankwest More Rewards Program
- Earn rate
- 2.5 pts per $1 (Very high)
- Foreign transaction fee
- 0% (No foreign fee)
- Annual fee
- $270 (Above average for Standard cards)
#3
65Good
Macquarie Black Card
- Rewards program
- Macquarie Credit Card Rewards Program
- Earn rate
- 2 pts per $1 (Very high)
- Foreign transaction fee
- 0% (No foreign fee)
- Annual fee
- $249 (Below average for Black cards)
Best Velocity Points credit cards
Earn Velocity Points on everyday spending.
How we score this →#1
65Good
American Express Platinum Card
16 reviews
- Rewards program
- American Express Membership Rewards
- Earn rate
- 2.25 pts per $1 (Very high)
- Sign-up bonus
- 200,000 pts
- Annual fee
- $1,450 (Above average for Platinum cards)
#2
65Good
American Express Platinum Business Card
6 reviews
- Rewards program
- American Express Membership Rewards
- Earn rate
- 2.25 pts per $1 (Very high)
- Sign-up bonus
- 350,000 pts
- Annual fee
- $1,750 (Above average for Platinum cards)
#3
57Good
NAB Rewards Business Signature Card
- Rewards program
- NAB Rewards
- Earn rate
- 1.25 pts per $1 (Average)
- Sign-up bonus
- 200,000 pts
- Annual fee
- $175 (Below average for Signature cards)
Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards