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Best Credit Cards

Category
Brand
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Rating
Card Type
Purchase RateAt least 8.99% p.a.
8.99% p.a.
Annual FeeAt most $1,750.00 p.a.
$1,750.00 p.a.
Interest Free Period
Benefits
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Minimum Credit Limit At least $400.00
$400.00
Rewards Program
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Points Earn Rate At least 0.5 points per $1
0.5 points per $1
Introductory Rate Period At least 6 months
6 months
Sign-Up Bonus PointsAt least 15,000
15,000
Reduced First Year Annual Fee
$0.00
Contactless Payments
114 listings
Latitude 28 Degrees Global Platinum Mastercard
No Annual Fee Credit Cards and Frequent Flyer & Travel Credit Cards

Latitude 28 Degrees Global Platinum Mastercard

3.8 from 1,781 reviews
Purchase Rate21.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days

One of the most popular travel cards in Australia, this card has no annual fee and no foreign transaction fees.

  • Pros & Cons
  • Review Summary
  • Specifications
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
  • Transparency
    4.3 (1,064)
  • Customer Service
    4.3 (1,090)
  • Rates and Fees
    4.4 (1,105)
  • Rewards
    2.8 (201)
  • Online Experience
    4.2 (1,058)
  • Application Process
    4.5 (921)
  • Foreign Transaction Fee 0%
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit $6,000.00
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Qantas American Express Discovery
No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards

Qantas American Express Discovery

4.2 from 55 reviews
Purchase Rate20.74% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 44 days
  • Pros & Cons
  • Review Summary
  • Specifications
No Annual Fee
No Points Earn Cap
0.75 point-per-dollar rate is reasonable for a $0-annual fee card
  • Transparency
    4.3 (40)
  • Customer Service
    4.5 (38)
  • Rates and Fees
    4.3 (36)
  • Rewards
    4.1 (35)
  • Online Experience
    4.3 (36)
  • Application Process
    4.5 (37)
  • BenefitsTravel Credit
  • Minimum Credit Limit $2,000.00
  • Maximum Credit Limit $100,000.00
  • Minimum Income $35,000.00
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Latitude Infinity Rewards Visa
No Annual Fee Credit Cards

Latitude Infinity Rewards Visa

4.1 from 61 reviews
Purchase Rate20.69% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
  • Pros & Cons
  • Review Summary
  • Specifications
$0 Annual Fee
Up to 55 days interest free
3% International Transaction Fees
$0.95 BPAY Fee
  • Transparency
    4.1 (48)
  • Customer Service
    4.0 (53)
  • Rates and Fees
    3.9 (49)
  • Rewards
    4.1 (41)
  • Online Experience
    3.8 (49)
  • Application Process
    4.2 (36)
  • Foreign Transaction Fee 3%
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Commonwealth Bank Low Fee
Low Rate Credit Cards and Balance Transfer Credit Cards

Commonwealth Bank Low Fee

4.0 from 45 reviews
Purchase Rate19.74% p.a.
Annual Fee$29.00 p.a.
Interest Free Period 55 days
Qantas American Express Ultimate
Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards

Qantas American Express Ultimate

3.7 from 72 reviews
Purchase Rate20.74% p.a.
Annual Fee$450.00 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points100,000

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What you need to know about store finance credit cards

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Credit Card Awards 2020

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Latitude Gem Visa
Low Rate Credit Cards

Latitude Gem Visa

3.3 from 1,054 reviews
Purchase Rate19.95% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
Bankwest Zero Platinum MasterCard
No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards and Balance Transfer Credit Cards

Bankwest Zero Platinum MasterCard

3.9 from 44 reviews
Purchase Rate17.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
Commonwealth Bank Awards
Balance Transfer Credit Cards and Rewards Credit Cards

Commonwealth Bank Awards

3.5 from 86 reviews
Purchase Rate20.24% p.a.
Annual Fee$59.00 p.a.
Interest Free Period 55 days
Westpac Low Rate
Low Rate Credit Cards and Balance Transfer Credit Cards

Westpac Low Rate

3.6 from 60 reviews
Purchase Rate13.74% p.a.
Annual Fee$59.00 p.a.
Interest Free Period 55 days
Coles No Annual Fee MasterCard
No Annual Fee Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards

Coles No Annual Fee MasterCard

3.1 from 175 reviews
Purchase Rate19.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
Commonwealth Bank Diamond Awards
Frequent Flyer & Travel Credit Cards and Rewards Credit Cards

Commonwealth Bank Diamond Awards

3.5 from 42 reviews
Purchase Rate20.24% p.a.
Annual Fee$349.00 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points100,000

GO MasterCard
No Annual Fee Credit Cards

GO MasterCard

2.9 from 1,140 reviews
Purchase Rate19.95% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
Latitude Low Rate Mastercard
Low Rate Credit Cards

Latitude Low Rate Mastercard

3.3 from 41 reviews
Purchase Rate9.89% p.a.
Annual Fee$69.00 p.a.
Interest Free Period 55 days
Westpac Altitude Platinum
Balance Transfer Credit Cards and Rewards Credit Cards

Westpac Altitude Platinum

 · includes 8 listings
3.2 from 42 reviews
Purchase Rate20.24 to 20.49% p.a.
Annual Fee$49.00 p.a., $150.00 p.a. and $200.00 p.a.

Sign-Up Bonus Points15,000 to 80,000

Virgin Money No Annual Fee Visa
No Annual Fee Credit Cards and Balance Transfer Credit Cards

Virgin Money No Annual Fee Visa

2.8 from 170 reviews
Purchase Rate18.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days

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How to get in front of credit card debt with a credit card balance transfer.

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Westpac Altitude Black
Balance Transfer Credit Cards and Rewards Credit Cards

Westpac Altitude Black

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2.8 from 85 reviews
Purchase Rate20.24 to 20.49% p.a.
Annual Fee$199.00 p.a. and $250.00 p.a.

Sign-Up Bonus Points90,000 to 150,000

Coles Rewards Mastercard
Balance Transfer Credit Cards and Rewards Credit Cards

Coles Rewards Mastercard

2.8 from 153 reviews
Purchase Rate19.99% p.a.
Annual Fee$99.00 p.a.
Interest Free Period 55 days
ANZ Platinum
Balance Transfer Credit Cards

ANZ Platinum

3.4 from 27 reviews
Purchase Rate20.24% p.a.
Annual Fee$87.00 p.a.
Interest Free Period 55 days
Commonwealth Bank Low Rate
Low Rate Credit Cards and Balance Transfer Credit Cards

Commonwealth Bank Low Rate

4.4 from 12 reviews
Purchase Rate13.24% p.a.
Annual Fee$59.00 p.a.
Interest Free Period 55 days
American Express Explorer
Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards

American Express Explorer

3.8 from 18 reviews
Purchase Rate20.74% p.a.
Annual Fee$395.00 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

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