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

3% International Transaction Fees

$0.95 BPAY Fee

Regular Bonus Point Offers

High Points Earn Rate

Uncapped Annual Points Accrual

$450 annual Qantas Travel Credit

High Annual Fee ($450)

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% p.a on purchases for 15 months if you apply by 25 February 2021

$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

Entry-level credit limit of $500 minimum

High Balance Transfer Rate (5.99%)

0% p.a on Balance Transfers for 24 months

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

One additional cardholder at no extra cost

3% Foreign 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

No annual fee

0% p.a. balance transfers for 12 months when you apply by 31 March 2021

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

2.5% International Transaction Fee

Relatively high 19.99% interest rate

Earn 2 flybuys Points per $1 on eligible spend

$0 Annual Fee

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

Relatively high $99 Annual Fee

$30 Late Payment Fee

0% interest for a set period with eligible partners

$5.95 Monthly Fee when outstanding balance is greater than $10

$25 Establishment Fee

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

100,000 Bonus Points on offer

Earn 1.25 Awards Points per $1

International Travel Insurance included

$349 Annual Fee

3% International Transaction Fee

0% p.a. for 17 months on purchases and $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

Uncapped points earn rate

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

No Annual Fee

0% p.a. for 12 months on balance transfers

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

Up to 150,000 bonus Membership Rewards points on offer

$400 Travel Credit each year

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

Low Interest Rate of 12.49% p.a. on purchases

$0 Annual Account Fee in First Year, $58 in subsequent years

0% on Balance Transfers for 25 months

3% Foreign Transaction Fee