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Credit Cards in Victoria Melbourne and Geelong

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Latitude 28 Degrees Global Platinum Mastercard
Purchase Rate21.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Mastercard
  • Benefits: No Foreign Transaction Fee
  • Minimum Credit Limit : $6,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 21.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • No Annual Fee

  • No International Transaction Fees

  • No Currency Conversion Fees

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

  • Website and app experience seen as sub-par


GO MasterCard
Purchase Rate22.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Mastercard
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $25,000
  • Rewards Program: GO Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Google Pay and Samsung Pay
  • Purchase Rate: 22.74% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • 0% interest for a set period (min. $300 purchases)

  • Three repayment options to choose from

  • $5.95 Monthly Fee

  • $25 Establishment Fee

  • High rate once the interest-free period ends (22.74%)


Latitude Gem Visa
Purchase Rate24.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Visa
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 24.99% p.a.
  • Annual Fee: $99 p.a.
  • Interest Free Period : 55 days
  • 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)

  • High 24.99% p.a. Purchase Rate


ING Orange One
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 45 days
  • Category: Services
  • Card Type: Visa
  • Benefits: No Foreign Transaction Fee
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $30,000
  • Contactless Payments: Apple Pay
  • Purchase Rate: 11.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 45 days
  • No Annual Fee

  • Set up instalment payments for a reduced rate

  • Accessible $1,000 minimum credit limit

  • "No International Transaction Fee" is conditional


BankWest Zero MasterCard
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Mastercard
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $20,000
  • Contactless Payments: Apple Pay and Google Pay
  • Purchase Rate: 17.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • No annual fee

  • Accessible $1,000 minimum credit limit

  • 2.95% foreign transaction fee


Coles Low Rate MasterCard
Purchase Rate12.99% p.a.
Annual Fee$58 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Mastercard
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $60,000
  • Minimum Income : $25,000
  • Rewards Program: flybuys
  • Points Earn Rates : 0.5 points per $1
  • Purchase Rate: 12.99% p.a.
  • Annual Fee: $58 p.a.
  • Interest Free Period : 55 days
  • 0% on Balance Transfers for 15 months

  • Low $58 Annual Fee

  • Low 12.99% p.a. Interest Rate on purcahes

  • flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1

  • 2.5% International Transaction Fee


David Jones American Express
Purchase Rate20.74% p.a.
Annual Fee$99 p.a.
Interest Free Period 44 days
  • Category: Services
  • Card Type: American Express
  • Minimum Credit Limit : $2,000
  • Minimum Income : $40,000
  • Rewards Program: American Express Membership Rewards and Qantas Frequent Flyer
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $99 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : 15,000 Membership Rewards Points or 7,500 Qantas Points when you spend $750 outside David Jones within the first 3 months.
  • Introductory Rate : 44 days Interest-free.
  • 15,000 Reward Points or 7,500 Qantas Points on offer

  • Earn up to 3 Reward Points or 1.5 Qantas Points per dollar (1 Reward Point = 0.5 Qantas Points)

  • 3% Currency Conversion Fee

  • $99 Annual Fee


Citibank Citi Rewards Platinum
Purchase Rate20.99% p.a.
Annual Fee$149 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Visa
  • Benefits: Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $100,000
  • Minimum Income : $35,000
  • Rewards Program: Citi Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 20.99% p.a.
  • Annual Fee: $149 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Receive up to 120,000 bonus points (80,000 points when you spend $3,000 in the first 90 days from approval and an additional 40,000 points on your first anniversary)
  • Reduced First Year Annual Fee : $49.00
  • 80,000 Bonus Points when you spend $3,000 in the first 90 days from approval & 40,000 Bonus Points on your first anniversary

  • 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 15 months

  • Reduced $49 Annual Fee in the first year

  • $149 Annual Fee after your first year

  • 3.4% International Transaction Fee


Coles Rewards Mastercard
Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Mastercard
  • Benefits: No Foreign Transaction Fee
  • Rewards Program: flybuys and Velocity Frequent Flyer
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $99 p.a.
  • Interest Free Period : 55 days
  • 50,000 Bonus Points when you apply by 30 September 2019 and spend $1,500 in the first 3 months

  • 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

  • 0% p.a. on balance transfers for 6 months

  • Relatively high $99 Annual Fee

  • $30 Late Payment Fee


Qantas American Express Discovery
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Category: Services
  • Card Type: American Express
  • Minimum Credit Limit : $2,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 44 days
  • No Annual Fee

  • No Points Earn Cap

  • 0.75 point-per-dollar rate is reasonable for a $0-annual fee card

  • Generally fewer sign-up bonus points compared to other cards

  • Low Interest-Free Period (44 Days)


Virgin Money No Annual Fee Visa
Purchase Rate18.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Category: Services
  • Card Type: Visa
  • Minimum Credit Limit : $2,000
  • Minimum Income : $25,000
  • Contactless Payments: Samsung Pay
  • Purchase Rate: 18.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 44 days
  • No Annual Fee

  • 6.9% p.a. on balance transfers for up to 36 months if you apply by 02 December 2019

  • 3.3% International Transaction Fee

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

  • Balance Transfer Rate at the end of the offer period reverts to the Cash Advance Rate of 20.99% p.a.


American Express Essential
Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: American Express
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $40,000
  • Rewards Program: American Express Membership Rewards
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 14.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • $0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases

  • Earn up to 1.25 Membership Rewards Points per $1

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

  • Smartphone Screen Insurance

  • Add up to 4 Additional Cards at no extra cost

  • 3% Balance Transfer Fee

  • 3% Currency Conversion Fee


Commonwealth Bank Awards
Purchase Rate20.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Mastercard
  • Minimum Credit Limit : $500
  • Rewards Program: CommBank Awards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.24% p.a.
  • Annual Fee: $59 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Receive 30,000 Bonus Awards Points when you apply by 31 October and spend $2,000 by 31 January 2020.
  • Entry-level credit limit of $500 minimum

  • Can earn either Commbank Awards points or Qantas Frequent Flyer points

  • 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

  • Switching to Qantas points program incurs an additional $30 annual fee


Qantas Premier Everyday
Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $4,000
  • Maximum Credit Limit : $30,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $49 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Earn up to 42,000 bonus Qantas points (7,000 points per month when you spend $1000 or more per month for the first 6 months)
  • Reduced First Year Annual Fee : $29.00
  • Up to 42,000 Bonus Qantas Points on offer

  • $29 Annual Fee for the first year

  • 0% p.a. on Balance Transfers for 12 months

  • Earn up to 1 Qantas Point per $1 spent

  • Complimentary Travel Insurance

  • 3% Foreign Transaction Fee

  • Minimum spend of $1,00 per month is required to receive 7,000 Bonus Qantas Points each month for 6 months


Coles No Annual Fee MasterCard
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Mastercard
  • Benefits: Cashback Offer
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $60,000
  • Minimum Income : $25,000
  • Rewards Program: flybuys
  • Points Earn Rates : 0.5 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Receive 20,000 bonus points when you apply by 30 September and spend $500 in the first 60 days from approval.
  • No annual fee

  • 20,000 Bonus Flybuys Points when you apply by 30 September 2019 and spend $500 in the first 60 days from card approval

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

  • 0% p.a. on balance transfers for 6 months

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

  • 2.5% International Transaction Fee

  • Relatively high 19.99% interest rate

  • Reviewers mention poor customer service should an issue arise


Qantas American Express Ultimate
Purchase Rate20.74% p.a.
Annual Fee$450 p.a.
Interest Free Period 44 days
  • Category: Services
  • Card Type: American Express
  • Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $3,000
  • Minimum Income : $65,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $450 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : Receive 55,000 bonus Qantas Points when you spend $3,000 within the first 3 months.
  • Regular Bonus Point Offers (currently 55,000)

  • High Points Earn Rate

  • Uncapped Annual Points Accrual

  • $450 yearly Qantas Travel Credit

  • Two complimentary Qantas Lounge invitations

  • High Annual Fee ($450)

  • Only 44 days Interest-Free Period

  • 1% Balance Transfer Establishment Fee

  • $65,000 minimum income requirement

  • Reviewers commonly complain that AmEx is not accepted everywhere


Woolworths Everyday Platinum
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Visa
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit : $6,000
  • Minimum Income : $30,000
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • Reduced First Year Annual Fee : $0.00
  • $10 off at Woolworths for 2,000 points (min. $667 spend)

  • 10% off one shop at Woolworths each month

  • Regular promotions to waive the annual fee for the first year

  • Points earned are not the same as regular Woolworths Rewards points

  • Points cannot be converted to Qantas Frequent Flyer points


Myer Visa Card
Purchase Rate20.69% p.a.
Annual Fee$69 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Visa
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit : $1,000
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Google Pay
  • Purchase Rate: 20.69% p.a.
  • Annual Fee: $69 p.a.
  • Interest Free Period : 55 days
  • Introductory Rate : Up to 55 days interest-free on purchases only.
  • Reduced First Year Annual Fee : $0.00
  • Uncapped Myer One credit earn rate

  • 6 months interest free on purchases of $250 or more at Myer

  • Combine with your existing Myer One membership for maximum rewards

  • Not that useful if you don't regularly shop at Myer

  • Not good for travelling (3% international transaction fee)


American Express Platinum
Purchase Rate-
Annual Fee$1,450 p.a.
Interest Free Period 44 days
  • Category: Services
  • Card Type: American Express
  • Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Income : $100,000
  • Rewards Program: American Express Membership Rewards
  • Points Earn Rates : 2.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Annual Fee: $1,450 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : Receive up to 150,000 Membership Rewards Points (50,000 points for each month you spend $1,500 in the first 3 months)
  • No pre-set spending limit

  • Card is made of metal

  • Access to over 1,200 airport lounges worldwide

  • 2.25 Membership Rewards points per $1 spent

  • $1,450 Annual Fee

  • Minimum required income of $100,000


Commonwealth Bank Diamond Awards
Purchase Rate20.24% p.a.
Annual Fee$349 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $15,000
  • Maximum Credit Limit : $50,000
  • Rewards Program: CommBank Awards
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.24% p.a.
  • Annual Fee: $349 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : 120,000 Bonus Awards Points when you apply by 31 October and spend $6,000 by 31 January 2020.
  • 120,000 Bonus Awards Points if you apply by 31 Oct 2019 and spend $6,000 by 31 Jan 2020

  • Earn 1.25 Awards Points per $1

  • International Travel Insurance included

  • Cashback offers with Mastercard Travelers Rewards

  • $349 Annual Fee

  • 3% International Transaction Fee

  • Minimum Credit Limit of $15,000


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