Compare Credit Cards in Australia

Live offers across tracked providers in Australia — updated daily from the Giraffy database.

Live offers

50 live offers compared from 16 providers, from A$0 /year. Updated daily.

Kogan Money Credit Card Kogan Money

A$0 /year

  • Purchase Rate: 21.99% p.a.
  • Annual Fee: $0
  • Intro Offer: 0% balance transfers for 18 months
  • Rewards: Kogan Rewards — 1 pt per $1
  • 0% Balance Transfer Period: 18 months

Bankwest Zero Platinum Mastercard Bankwest

A$0 /year

  • Purchase Rate: 0% first 6 months, then standard rate
  • Annual Fee: $0
  • Intro Offer: 0% purchases for 6 months
  • Rewards: —
  • 0% Purchase Period: 6 months

St.George No Annual Fee Visa St.George Bank

A$0 /year

  • Purchase Rate: 13.99% p.a.
  • Annual Fee: Free
  • Intro Offer: 0% BT 15 months
  • Rewards: No annual fee

Bankwest Zero Mastercard Bankwest

A$0 /year

  • Purchase Rate: 14.99% p.a.
  • Annual Fee: Free
  • Intro Offer: 0% BT 12 months
  • Rewards: Best zero fee card

BOQ Visa Credit Card BOQ

A$0 /year

  • Purchase Rate: 19.74% p.a.
  • Annual Fee: Free
  • Intro Offer: 0% BT 12 months
  • Rewards: Regional bank card

Beyond Bank Low Rate Visa Beyond Bank

A$0 /year

  • Purchase Rate: 8.99% p.a.
  • Annual Fee: Free
  • Intro Offer: Ongoing low rate
  • Rewards: Lowest rate card

Heritage Bank Gold Visa Heritage Bank AU

A$0 /year

  • Purchase Rate: 17.99% p.a.
  • Annual Fee: Free
  • Intro Offer: Bonus reward pts
  • Rewards: Community bank

Bankwest Plan Bankwest

A$1 /month

  • Provider: Bankwest

Two options for first home buyers ANZ

A$3 /month

  • Provider: ANZ

Australian Government 5% Deposit Scheme ANZ

A$3 /month

  • Provider: ANZ

$3K cashback for eligible first home buyers ANZ

A$3 /month

  • Provider: ANZ

NAB StraightUp Card NAB

A$10 /month

  • Purchase Rate: 0%
  • Annual Fee: AUD 10
  • Intro Offer: No interest ever
  • Rewards: 0% interest flat

Monthly credit card fee $10.95 ($11.95 from 15 July 26) Latitude

A$10.95 /month

  • Provider: Latitude

Monthly credit card fee (currently $11.95, subject to change) Latitude

A$11.95 /month

  • Provider: Latitude

CommBank Neo Card CommBank

A$12 /month

  • Purchase Rate: 0%
  • Annual Fee: AUD 12
  • Intro Offer: No interest
  • Rewards: 0% interest card

No annual fee credit card Bankwest

A$35 /month

  • Rate: 0%
  • Provider: Bankwest
  • Annual Fee: credit card For everyday spend
  • Cover Type: Travel

Qantas Frequent Flyer credit card Bankwest

A$35 /month

  • Rate: 19.99%
  • Provider: Bankwest
  • Cover Type: Travel

Bankwest Qantas World Mastercard Bankwest

A$35 /month

  • Rate: 19.99%
  • Provider: Bankwest
  • Cover Type: Travel

ANZ Rewards Platinum Card ANZ

A$50 /month

  • Provider: ANZ

ANZ Low Rate ANZ

A$58 /year

  • Purchase Rate: Low rate — see anz.com.au
  • Annual Fee: $58 ($0 first year)
  • Intro Offer: 0% balance transfers for 26 months
  • Rewards: —
  • 0% Balance Transfer Period: 26 months

Latitude Low Rate Mastercard Latitude

A$69 /year

  • Purchase Rate: 13.99% p.a.
  • Annual Fee: $69
  • Intro Offer: 0% balance transfers for 24 months
  • Rewards: —
  • 0% Balance Transfer Period: 24 months

ANZ Platinum ANZ

A$87 /year

  • Purchase Rate: 20.99% p.a.
  • Annual Fee: $87 ($0 first year)
  • Intro Offer: $450 back on $4,500 spend
  • Rewards: —

ANZ Rewards Visa ANZ

A$95 /year

  • Purchase Rate: 19.99% p.a.
  • Annual Fee: AUD 95
  • Intro Offer: 75,000 bonus pts
  • Rewards: Rewards points

Latitude 28° Global Platinum Latitude

A$96 /year

  • Purchase Rate: 28.99% p.a.
  • Annual Fee: $96 ($0 first year)
  • Intro Offer: 0% balance transfers for 12 months
  • Rewards: Latitude Rewards
  • 0% Balance Transfer Period: 12 months

ANZ Rewards Black Card ANZ

A$100 /month

  • Provider: ANZ

humm90 Platinum Mastercard humm

A$119.40 /year

  • Purchase Rate: 27.3% p.a.
  • Annual Fee: $119.40
  • Intro Offer: Up to 110 days interest-free
  • Rewards: —

Up to 100,000 bonus Qantas Points and $150 cashback NAB

A$150 /month

  • Minutes: 15 mins
  • Provider: NAB

MyCard Rewards MyCard

A$199 /year

  • Purchase Rate: 0% for 15 months, then 22.49%
  • Annual Fee: $199
  • Intro Offer: 0% purchases & balance transfers for 15 months
  • Rewards: MyCard Rewards — 1 pt per $1
  • 0% Purchase Period: 15 months

Earn $220 back to your new ANZ First credit card ANZ

A$220 /month

  • Provider: ANZ

Monthly credit card fee will apply (currently $11.95, subject to change) Latitude

A$250 /month

  • Provider: Latitude

Enjoy $250 cashback NAB

A$250 /month

  • Provider: NAB

NAB Low Fee Card NAB

A$250 /month

  • Rate: 20.99%
  • Minutes: 13 mins
  • Provider: NAB
  • Annual Fee: and access to special offers

Up to 130,000 bonus Qantas Points and $250 cashback NAB

A$250 /month

  • Minutes: 19 mins
  • Provider: NAB

Westpac Altitude Rewards Black Westpac

A$295 /year

  • Purchase Rate: See westpac.com.au
  • Annual Fee: $295 ($200 first year)
  • Intro Offer: Up to 200,000 Altitude Points
  • Rewards: Altitude Points — up to 3 pts per $1 international, 2 pts everyday

Latitude Plan Latitude

A$300 /month

  • Rate: 0%
  • Provider: Latitude

0% interest for 6 months Latitude

A$300 /month

  • Rate: 0%
  • Provider: Latitude

Your Possibilities, Featured Latitude

A$300 /month

  • Rate: 0%
  • Provider: Latitude

0%for 24 months Balance Transfer Latitude

A$300 /month

  • Rate: 0%
  • Provider: Latitude

$300Latitude Rewards Latitude

A$300 /month

  • Provider: Latitude

$300credit back Latitude

A$300 /month

  • Provider: Latitude

ANZ Rewards Black ANZ

A$320 /year

  • Purchase Rate: 20.99% p.a.
  • Annual Fee: $320
  • Intro Offer: Up to 180,000 points + $100 back
  • Rewards: ANZ Rewards — up to 2 pts per $1

Qantas Money Platinum Qantas Money

A$399 /year

  • Purchase Rate: 20.99% p.a.
  • Annual Fee: $399 ($349 first year)
  • Intro Offer: Up to 120,000 bonus Qantas Points
  • Rewards: Qantas Points — up to 2 pts per $1

ANZ Plan ANZ

A$400 /month

  • Provider: ANZ

Earn $400 back to your new card ANZ

A$400 /month

  • Rate: 0%
  • Provider: ANZ
  • Annual Fee: in the first year. Superscript

$400 cashback NAB

A$400 /month

  • Provider: NAB

ANZ Platinum Credit Card ANZ

A$450 /month

  • Provider: ANZ
  • Annual Fee: in the first year. Superscript

Up to 100,000 bonus NAB Rewards Points NAB

A$450 /month

  • Minutes: 22 mins
  • Provider: NAB

Up to$500Latitude Rewards Latitude

A$500 /month

  • Provider: Latitude

American Express Platinum Edge Card American Express

Price on request

Macquarie Black Credit Card Macquarie Bank

Price on request

What is a credit card in Australia?

A credit card lets you borrow up to an approved limit to make purchases, repaying either in full each month to avoid interest or over time with interest applied. Australian cards fall into broad types: low-rate cards aimed at people who carry a balance, low-fee or no-fee cards for everyday use, and rewards cards that earn points such as Qantas or Velocity for travel and shopping. Choosing the right type depends heavily on whether you clear your balance each month.

How the Australian market works

Cards are issued by the major banks, smaller banks and specialist lenders, running on the Visa, Mastercard or American Express networks. Interest is charged on purchases only after any interest-free period lapses if you carry a balance. Since regulatory reforms, providers must assess applications on the basis that you could repay the full credit limit within three years, and interest-free days apply only when the previous statement balance was cleared in full. Rewards cards also earn fewer points than they once did after changes to interchange fees.

Benefits of a credit card

Interest-free purchases — Paying the closing balance in full each statement period lets you use the bank's money at no interest for up to around 55 days.

Rewards and perks — Rewards cards earn points, cashback or frequent-flyer miles, and many premium cards bundle complimentary travel insurance, airport lounge access or purchase protection.

Balance transfers — Introductory low or zero-rate balance-transfer offers can help consolidate and pay down existing card debt faster, provided you clear it before the promotional period ends.

How to choose a card

If you pay in full each month, prioritise rewards value and low annual fees; if you carry a balance, focus on the purchase interest rate instead of rewards. Weigh the annual fee against the perks you will actually use, check the points earn rate and any monthly caps, and read the terms on introductory offers, which usually revert to standard rates. Factor in whether the card charges foreign-transaction fees if you shop overseas or online with international retailers.

Leading providers in Australia

The comparison features ANZ, Westpac, Bankwest, Latitude, Qantas Money, Kogan Money, humm and MyCard. The big banks offer full ranges from low-rate to premium rewards cards, Qantas Money focuses on frequent-flyer earning for travellers, and Latitude and humm skew toward instalment and interest-free retail options. The right card depends on whether you value rewards, a low ongoing rate, minimal fees or a long interest-free balance-transfer window.

What it costs

Annual fees in this comparison range from A$0 on no-fee cards to A$500 for premium rewards cards, with the higher fees typically buying richer points earning, travel insurance and lounge access. Purchase interest rates on Australian cards are often around 20% or higher, so carrying a balance is expensive. Cash advances attract interest immediately with no interest-free period and usually a separate higher rate, so they are best avoided.

Protections and regulation

Credit cards are regulated by ASIC under the National Consumer Credit Protection Act, including responsible-lending and affordability rules. Issuers must belong to AFCA for disputes. Card schemes provide chargeback rights for faulty goods or fraud, giving you a way to recover money in some disputes, and providers must clearly disclose rates and fees in a standardised Key Facts Sheet so cards can be compared fairly.

Common questions

How do interest-free days work? — You only get them when you pay your full closing balance by the due date; if you carry any balance, interest applies to new purchases from the transaction date.

Are rewards worth the annual fee? — Only if the value of the points and perks you actually use each year exceeds the fee; otherwise a no-fee or low-rate card is usually better value.

The cheapest Credit Cards in Australia is A$0 /year from Kogan Money.

Credit Cards in Australia — FAQ

What credit score do I need to get approved for a credit card in Australia?

Minimum score requirements vary by card and issuer. In Australia, scores are reported by Equifax, Illion, or Experian. Premium rewards and travel cards typically require a good-to-excellent score, while secured or entry-level cards are available with lower or no credit history. Checking eligibility with a soft search won't affect your score.

Which credit card in Australia has no foreign transaction fee?

Giraffy tracks 5 credit cards across Kogan Money,Bankwest,St.George Bank,BOQ banks in Australia. Use the 'No Foreign Fees' filter on the card detail to find cards that don't charge for overseas spending — useful if you travel or shop in foreign currencies online.

How do balance transfers work, and are they worth it?

A balance transfer moves your existing credit card debt to a new card, often at 0% interest for an introductory period. You typically pay a one-off transfer fee (1–3%). If you can repay the balance before the 0% period ends, you save on interest — check the revert rate carefully.

What is a rewards or cashback credit card?

Rewards cards earn points, miles, or cashback on every purchase. Cashback is the simplest — a percentage of spending returned as cash. Points and miles can be worth more if redeemed for flights or hotels, but require more active management. Annual fees are often offset if you spend above a certain threshold.

Can I get a credit card with no annual fee?

Yes — several cards tracked by Giraffy in Australia charge no annual fee. They typically offer fewer perks than premium cards, but are the most cost-effective choice if you pay your balance in full each month and want a card purely for convenience or building credit history.

How does credit card interest work?

If you pay your full statement balance by the due date each month, you pay zero interest. Interest only applies to carried balances, cash advances, or missed payments. The representative APR shown on each card covers all standard purchase interest — compare APRs when choosing a card you might not always pay off in full.

What is the difference between a credit limit and an available balance?

Your credit limit is the maximum you're allowed to borrow at any time. Your available balance is what's left after deducting current transactions. Staying well below your limit — ideally under 30% — helps maintain a healthy credit utilisation ratio, which is a key factor in your credit score.