Best Credit Cards

No Annual Fee

No International Transaction Fees

Reviewers complain about fees when paying off the card (e.g. $0.95 BPAY fee)

No Annual Fee

No Points Earn Cap

Generally fewer sign-up bonus points compared to other cards

Regular Bonus Point Offers (currently 55,000)

High Points Earn Rate

Uncapped Annual Points Accrual

$450 yearly Qantas Travel Credit

High Annual Fee ($450)

Only 44 days Interest-Free Period

1% Balance Transfer Establishment Fee

$65,000 minimum income requirement

6 Months Interest Free on purchases over $250 with participating retailers

$99 Annual Fee

3% International Transaction Fee

Payment Handling Fees ($0.95 online, $2.50 in person)

$0 Annual Fee in the first year and waived in subsequent years when you spend $1,000 or more on purchases or cash advances in the previous year

3% International Transaction Fee

$0 Annual Fee

No Foreign Transaction Fees

Complimentary Overseas Travel Insurance

120,000 Bonus Points when you apply by 31 January 2020 and spend $3,000 in the first 90 days from approval

No International Transaction Fee

Earn 2 flybuys Points per $1 on eligible spend

$10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points

Relatively high $99 Annual Fee

Entry-level credit limit of $500 minimum

High Balance Transfer Rate (5.99%)

Awards points earn rate capped at 50,000 per annum

Qantas points earn rate capped at 12,000 per annum

0% p.a on Balance Transfers for 16 months & No Balance Transfer Fee

Low $59 Annual Fee & Low Interest Rate of 13.74% p.a. on purchases

No annual fee

0% p.a. on purchases or balance transfers for 6 months when you apply by 31 March 2020

Low flybuys points earn rate of 1 Flybuy Point per $2

2.5% International Transaction Fee

Relatively high 19.99% interest rate

Earn 1.25 Awards Points per $1

International Travel Insurance included

$349 Annual Fee

3% International Transaction Fee

No Annual Fee

3.3% International Transaction Fee

You can't earn Velocity Points even though this card is issued by Virgin

Uncapped points earning

Annual fee is not inclusive of Velocity or QFF membership fee

0% p.a. on Balance Transfers for the first 18 months

$0 Annual Fee in the first year

Ongoing Annual Fee Waiver: $0 if you make $20,000 in eligible purchases on the card in 12 months

Complimentary Overseas Travel Insurance and Purchase Security Insurance

2% Balance Transfer Fee

3% International Transaction Fee

$69 Annual Fee

Low Interest Rate of 9.89% on purchases & up to 55 days interest free

Price Protection (buy now and if the price drops within 30 days, the difference will be refunded)

Purchase Protection (if an eligible purchase is accidentally damaged or stolen within 90 days, Latitude Financial Services will help repair or replace it)

3% International Transaction Fee

Receive 60,000 Bonus Points if you apply by 15 October 2019 and spend $3,000 on eligible purchases in the first 90 days from card approval

Uncapped points earn rate

$150 Annual Fee (additional $50 if you choose Velocity or Qantas)

75,000 bonus Velocity Points if you spend $2,500 on eligible purchases in the first 3 months of approval

Complimentary return domestic flight and two Virgin Australia lounge passes each year

No Overseas Transaction Fee on purchases

1.5 ANZ Reward Points per $1 on eligible purchases up to $2,000 per statement period

Complimentary Overseas Travel Insurance

High $225 Annual Fee

Reviewers mention the complimentary flight is difficult to book (must be booked 2 months prior to flying, also hard to find seats during peak times)

Low $30 Annual Fee (waived for full-time tertiary students)

0% p.a. on Balance Transfers for 18 months

2% Balance Transfer Fee

$400 Travel Credit each year

0% p.a. on Balance Transfers for the first 12 months

Two complimentary entries per year to the American Express Lounge at Sydney or Melbourne International Airports

Earn up to 2 Membership Rewards points per $1

$395 Annual Fee

Multiple Promotional Offers to choose from (see Details) if you apply by 31 January 2020

Points Earn Rate: 1 Citi Point per $1 spent

Linked Diners Club Card has No International Transaction Fees and 2 Citi Points per $1 spent earn rate

0% on Balance Transfers for either 12, 15 or 26 months

$149 or $199 Annual Fee after your first year

3.4% International Transaction Fee