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Best Credit Cards
131 listings
Latitude 28 Degrees Global Platinum Mastercard
- Specifications
- Pros & Cons
- Categories: No Annual Fee Credit Cards and Frequent Flyer & Travel Credit Cards
- Benefits: No Foreign Transaction Fee
- Minimum Credit Limit : $6,000
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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
One of the most popular travel cards in Australia, this card has no annual fee and no foreign transaction fees.
- Award Winner 2020
Qantas American Express Discovery
- Specifications
- Pros & Cons
- Categories: No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
- 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
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)
Qantas American Express Ultimate
- Specifications
- Pros & Cons
- Categories: Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
- 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
- Sign-Up Bonus : Receive 55,000 bonus Qantas Points when you apply online and 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
Sign-Up Bonus Points55,000
Commonwealth Bank Low Fee
- Specifications
- Pros & Cons
- Categories: Low Rate Credit Cards and Balance Transfer Credit Cards
- Benefits: Reduced First Year Annual Fee
- Minimum Credit Limit : $500
- Maximum Credit Limit : $50,000
- Minimum Income : $15,000
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Reduced First Year Annual Fee : $0
$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
Minimum credit limit of $500
3% International Transaction Fee
No attached rewards program
Bankwest Zero Platinum MasterCard
- Specifications
- Pros & Cons
- Categories: No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards and Balance Transfer Credit Cards
- Benefits: Complimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit : $6,000
- Maximum Credit Limit : $50,000
- Minimum Income : $65,000
- Contactless Payments: Apple Pay and Google Pay
$0 Annual Fee
No Foreign Transaction Fees
Complimentary Overseas Travel Insurance
2.99% p.a. on Balance Transfers for the first 9 months
No attached rewards program
Latitude Gem Visa
- Specifications
- Pros & Cons
- Category: Low Rate Credit Cards
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
6 Months Interest Free on purchases over $250 with participating retailers
Three 0% Interest Payment Plans to choose from
$99 Annual Fee
3% International Transaction Fee
Payment Handling Fees ($0.95 online, $2.50 in person)
High 24.99% p.a. Purchase Rate
Coles Rewards Mastercard
- Specifications
- Pros & Cons
- Categories: Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
- Benefits: No Foreign Transaction Fee and Sign-Up Bonus Points Offer
- Rewards Program: flybuys and Velocity Frequent Flyer
- Points Earn Rates : 2 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
- Sign-Up Bonus : Receive 120,000 Bonus Points when you spend $3,000 in the first 90 days from approval
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
0% p.a. on balance transfers for 14 months
Relatively high $99 Annual Fee
$30 Late Payment Fee
Sign-Up Bonus Points120,000
Commonwealth Bank Awards
- Specifications
- Pros & Cons
- Categories: Balance Transfer Credit Cards and Rewards Credit Cards
- 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
- Sign-Up Bonus : Receive 30,000 Bonus Awards Points when you apply by 29 February 2020 and spend $2,000 within 90 days.
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
Sign-Up Bonus Points30,000
Westpac Low Rate
- Specifications
- Pros & Cons
- Categories: Low Rate Credit Cards and Balance Transfer Credit Cards
- Minimum Credit Limit : $500
- Maximum Credit Limit : $25,000
- Minimum Income : $15,000
- Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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
One additional cardholder at no extra cost
3% Foreign Transaction Fee
Coles No Annual Fee MasterCard
- Specifications
- Pros & Cons
- Categories: No Annual Fee Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
- Benefits: Introductory Interest Rate
- 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
- Introductory Rate : 0% p.a. for the first 12 months
No annual fee
0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020
$10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points
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
Commonwealth Bank Diamond Awards
- Specifications
- Pros & Cons
- Categories: Frequent Flyer & Travel Credit Cards and Rewards Credit Cards
- Benefits: Complimentary Travel Insurance
- 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
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
ANZ Platinum
- Specifications
- Pros & Cons
- Category: Balance Transfer Credit Cards
- Benefits: Complimentary Travel Insurance and Reduced First Year Annual Fee
- Minimum Credit Limit : $6,000
- Minimum Income : $35,000
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Reduced First Year Annual Fee : $0
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
Add up to 9 Additional Cardholders at no additional cost
2% Balance Transfer Fee
3% International Transaction Fee
No attached rewards program
Virgin Money No Annual Fee Visa
- Specifications
- Pros & Cons
- Categories: No Annual Fee Credit Cards and Balance Transfer Credit Cards
- Minimum Credit Limit : $2,000
- Minimum Income : $25,000
- Contactless Payments: Samsung Pay
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.
Westpac Altitude Black · includes 6 listings
- Specifications
- Pros & Cons
- Category: Rewards Credit Cards
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $3,000 to $15,000
- Maximum Credit Limit : $75,000
- Minimum Income : $75,000
- Rewards Program: Qantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
- Points Earn Rates : 0.75 to 3 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Reduced First Year Annual Fee : $250
Uncapped points earning
Lounge passes and travel insurance included
Annual fee is not inclusive of Velocity or QFF membership fee
$75,000 minimum income required
Sign-Up Bonus Points20,000 to 100,000
ANZ Rewards Travel Adventures
- Specifications
- Pros & Cons
- Categories: Frequent Flyer & Travel Credit Cards and Rewards Credit Cards
- Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit : $6,000
- Minimum Income : $35,000
- Rewards Program: ANZ Rewards and Velocity Frequent Flyer
- Points Earn Rates : 1.5 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Sign-Up Bonus : 75,000 bonus Velocity Frequent Flyer Points when you spend $2,500 on eligible purchases in the first 3 months of approval.
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
Complimentary Extended Warranty Insurance and Purchase Security 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)
Lower earn rate of 0.5 ANZ Reward Points per $1 after the first $2,000 per statement period
Sign-Up Bonus Points75,000
Westpac Altitude Platinum · includes 8 listings
- Specifications
- Pros & Cons
- Category: Rewards Credit Cards
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $3,000 to $6,000
- Rewards Program: Qantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
- Points Earn Rates : 0.5 to 2 points per $1
- Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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
Complimentary Insurance covers, including Overseas Travel, Purchase Security and Transit Accident Insurance
$150 Annual Fee (additional $50 if you choose Velocity or Qantas)
3% Foreign Transaction Fee
Sign-Up Bonus Points15,000 to 80,000
Latitude Low Rate Mastercard
- Specifications
- Pros & Cons
- Category: Low Rate Credit Cards
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
$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)
Extended Warranty (1 year extra warranty on eligible purchases that have an existing one-to-two-year manufacturer's warranty)
3% International Transaction Fee
Payment Handling Fees ($0.95 online including BPAY, $2.50 in person)
ANZ First
- Specifications
- Pros & Cons
- Category: Balance Transfer Credit Cards
- Minimum Credit Limit : $1,000
- Minimum Income : $15,000
- Rewards Program: ANZ Rewards
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Low $30 Annual Fee (waived for full-time tertiary students)
0% p.a. on Balance Transfers for 18 months
Low minimum credit limit of $1,000 ($500 for students)
2% Balance Transfer Fee
3% Foreign Transaction Fee
American Express Platinum
- Specifications
- Pros & Cons
- Categories: Frequent Flyer & Travel Credit Cards and Rewards Credit Cards
- 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
- Sign-Up Bonus : Receive a welcome bonus of 120,000 Membership Rewards points when 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
Sign-Up Bonus Points120,000
Citibank Citi Rewards Platinum
- Specifications
- Pros & Cons
- Categories: Balance Transfer Credit Cards and Rewards Credit Cards
- 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
- 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
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
Reduced $0 or $49 Annual Fee in your first year
$149 or $199 Annual Fee after your first year
3.4% International Transaction Fee
1% or 1.5% Balance Transfer Fee may apply depending on which sign-up offer you choose
Sign-Up Bonus Points120,000
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