??!

Credit Cards in Victoria Melbourne and Geelong

Go to first result

128 listings


ANZ Rewards
Purchase Rate20.24% p.a.
Annual Fee$80 p.a.
Interest Free Period 44 days
  • Category: Services
  • Card Type: Visa
  • Minimum Credit Limit : $1,000
  • Minimum Income : $15,000
  • Rewards Program: ANZ Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.24% p.a.
  • Annual Fee: $80 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : 25,000 bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval.
  • 25,000 Bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval

  • 1 Reward Point per $1 spent on eligible purchases up to $1,000 per statement period

  • Up to 55 interest free days on purchases

  • 3% Overseas Transaction Fee

  • Lower earn rate of 0.5 Reward Points per $1 after the first $1,000 per statement period


NAB Low Rate
Purchase Rate13.99% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Visa
  • Benefits: Introductory Interest Rate
  • Minimum Credit Limit : $500
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 13.99% p.a.
  • Annual Fee: $59 p.a.
  • Interest Free Period : 55 days
  • Introductory Rate : 0% p.a. on purchases for 6 months
  • $59 Annual Fee, 13.99% Standard Purchase Rate

  • 0% p.a. on Purchases and Balance Transfers for 6 months

  • Minimum Credit Limit of $500

  • Add an Additional Cardholder at no extra cost

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • Balance Transfer Rate at the end of the offer period reverts to the Cash Advance Rate of 21.74% p.a.


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


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


HSBC Platinum
Purchase Rate19.99% p.a.
Annual Fee$129 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Introductory Interest Rate
  • Minimum Credit Limit : $6,000
  • Minimum Income : $40,000
  • Rewards Program: HSBC Rewards Plus
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Google Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $129 p.a.
  • Interest Free Period : 55 days
  • Introductory Rate : 0% p.a. on interest on purchases for 12 months
  • 0% p.a. Interest Rate on purchases for the first 12 months

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

  • Refunded $129 Annual Fee if you spend $6,000 or more on purchases each year

  • Earn up to 2 Rewards Plus Points per dollar

  • Complimentary Insurances, including Domestic and International Travel Insurance

  • 3% Overseas Exchange Fees

  • Earning Points capped at 10,000 per statement period

  • Balance Transfers revert to the high Cash Advance Rate of 21.99% p.a.


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%)


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


ANZ Frequent Flyer Platinum
Purchase Rate19.99% p.a.
Annual Fee$295 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $295 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Receive 50,000 bonus Qantas Points when you spend $2,000 in the first 3 months.
  • 0.75 points per $1 for the first $3,000 each statement period

  • Travel insurance and shopping insurance available

  • 50,000 bonus Qantas Points and $100 back when you spend $2,000 in the first 3 months

  • Points earn rate reduced to 0.5 after $3,000 per statement period

  • $295 annual fee, plus $65 for additional cardholders


ANZ Frequent Flyer
Purchase Rate19.99% p.a.
Annual Fee$95 p.a.
Interest Free Period 44 days
  • Category: Services
  • Card Type: Visa
  • Minimum Credit Limit : $1,000
  • Minimum Income : $15,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.5 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $95 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : 25,000 bonus Qantas Points when you spend $1,000 on eligible purchases in the first 3 months from approval.
  • 25,000 bonus Qantas Points when you spend $1,000 in the first 3 months

  • Accessible $1,000 minimum credit limit

  • Low points earn rate (0.5 per $1 up to $500, 0.25 above $500 per statement period)

  • $65 additional cardholder fee


Qantas Premier Platinum
Purchase Rate19.99% p.a.
Annual Fee$149 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 : $6,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Google Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $149 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Receive up to 120,000 Qantas Points (20,000 points each month when you spend $1,500 each month for the first 6 months)
  • Reduced First Year Annual Fee : $199.00
  • Up to 120,000 Bonus Qantas Points on offer if you apply by 31 October 2019

  • Earn up to 1.5 Qantas Points per $1 spent

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

  • Complimentary Travel Insurance & Complimentary Lounge Invitations each year

  • $199 Annual Fee in your first year, $299 Annual Fee in subsequent years

  • 3% International Transaction Fee

  • Minimum spend of $1,500 per month is required to receive 20,000 Bonus Qantas Points each month for 6 months


Citibank Citi Rewards Signature
Purchase Rate20.99% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Maximum Credit Limit : $100,000
  • Minimum Income : $75,000
  • Rewards Program: Citi Rewards
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 20.99% p.a.
  • Annual Fee: $395 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Receive 120,000 Bonus Points when you spend $4,000 in the first 90 days from card approval
  • Reduced First Year Annual Fee : $199.00
  • Up to 120,000 Bonus Rewards Points on offer

  • 0% p.a. on Balance Transfers for 15 months

  • Earn up to 2 Citi Rewards Points per $1 spent

  • Linked Diners Club Card includes uncapped earn rate of 2 Points per $1 and No International Transaction Fees

  • Complimentary International Travel Insurance and Two Airport Lounge Passes each year

  • High $199 Annual Fee in the first year & $395 for each subsequent year

  • 1% Balance Transfer Fee

  • 3.4% International Transaction Fee

  • Minimum Credit Limit of $15,000


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)


Virgin Australia Velocity Flyer
Purchase Rate20.74% p.a.
Annual Fee$129 p.a.
Interest Free Period 44 days
  • Category: Services
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $15,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $75,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rates : 0.66 points per $1
  • Contactless Payments: Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $129 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : Earn up to 75,000 bonus Velocity Points (25,000 points each month when you spend $1,500 or more in the first 3 months).
  • Introductory Rate : 0% p.a. for up to 14 months on purchases.
  • Reduced First Year Annual Fee : $64.50
  • Multiple Promotional Offers to choose from (see Details below) if you apply by 02 December 2019

  • $129 Virgin Australia Gift Voucher each year

  • Earn Velocity Points at a rate of 0.66 points per $1 spent up to $1,500 per statement period

  • 3.3% International Transaction Fee

  • Earn Rate drops to 0.5 points per $1 spent after the first $1,500 per statement period


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


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


Woolworths Qantas Platinum
Purchase Rate20.49% p.a.
Annual Fee$169 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit : $6,000
  • Minimum Income : $30,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay and Google Pay
  • Purchase Rate: 20.49% p.a.
  • Annual Fee: $169 p.a.
  • Interest Free Period : 55 days
  • Reduced First Year Annual Fee : $99.00
  • Stack the QFF points earned with this card with normal Woolworths Rewards points

  • 0% balance transfer rate for 14 months

  • 10% off one shop at Woolworths each month

  • Relatively high ongoing annual fee ($169)


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


NAB Qantas Rewards Premium
Purchase Rate19.99% p.a.
Annual Fee$250 p.a.
Interest Free Period 44 days
  • Category: Services
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $250 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : Receive 30,000 Bonus Points when you spend $2,500 on everyday purchases within 60 days of account opening
  • 30,000 Bonus Qantas Points when you spend $2,500 on everyday purchases in the first 60 days of account opening

  • Points Earn Rate: 1 Qantas Point per $1.50 up to $3,000 per statement period

  • 0% on Balance Transfers for 6 months

  • Seven complimentary insurances including Overseas Travel Insurance

  • $250 Annual Fee

  • 3% International Transaction Fee

  • 2% Balance Transfer Fee

  • Points Earn Rate drops to 1 Qantas Point per $3 after the first $3,000 per statement period


NAB Rewards Platinum
Purchase Rate19.99% p.a.
Annual Fee$194 p.a.
Interest Free Period 44 days
  • Category: Services
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Rewards Program: NAB Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $194 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : Receive 60,000 Bonus Points when you spend $1,000 on everyday purchases within 60 days of account opening
  • Earn up to 3 Points per dollar (see Details), uncapped

  • 0% p.a. on Balance Transfers for 6 months

  • Seven complimentary insurances, including Overseas Travel Insurance

  • $195 Annual Fee

  • 2% Balance Transfer Fee

  • 3% International Transaction Fee


Macquarie Bank Visa Platinum
Purchase Rate20.7% p.a.
Annual Fee$199 p.a.
Interest Free Period 55 days
  • Category: Services
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee and Reduced First Year Annual Fee
  • Minimum Income : $50,000
  • Rewards Program: Macquarie Rewards
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay and Google Pay
  • Purchase Rate: 20.7% p.a.
  • Annual Fee: $199 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Receive 40,000 bonus points when you spend $2,000 on eligible purchases within 60 days of approval.
  • Reduced First Year Annual Fee : $99.00
  • 0% p.a. balance transfer for 14 months

  • No international transaction fees

  • Some Travel and Purchase insurances included

  • Need to spend ~$3,200 to receive a $20 gift card


Page 2 of 7