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121 listings

Latitude 28 Degrees Global Platinum Mastercard

No Annual Fee Credit Cards and Frequent Flyer & Travel Credit CardsLatitude 28 Degrees Global Platinum Mastercard

3.8 from 1,591 reviews
Purchase Rate21.99% p.a.
Annual FeeA$0 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.

  • 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
    4.4 (900)
  • Rewards
    3.0 (143)
  • Online Experience
    4.3 (887)
  • Customer Service
    4.4 (918)
  • Rates and Fees
    4.5 (937)
  • Application Process
    4.5 (786)
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit A$6,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Qantas American Express Discovery
  • Award Winner 2020

No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsQantas American Express Discovery

4.3 from 49 reviews
Purchase Rate20.74% p.a.
Annual FeeA$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)

  • Transparency
    4.5 (35)
  • Rewards
    4.4 (31)
  • Online Experience
    4.5 (32)
  • Customer Service
    4.8 (33)
  • Rates and Fees
    4.4 (34)
  • Application Process
    4.7 (32)
  • BenefitsTravel Credit
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$100,000
  • Minimum Income A$35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Qantas American Express Ultimate

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsQantas American Express Ultimate

4.0 from 65 reviews
Purchase Rate20.74% p.a.
Annual FeeA$450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points55,000

  • Regular Bonus Point Offers

  • 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

  • Transparency
    4.4 (36)
  • Rewards
    4.6 (37)
  • Online Experience
    4.3 (36)
  • Customer Service
    4.6 (38)
  • Rates and Fees
    3.6 (38)
  • Application Process
    4.4 (39)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit A$3,000
  • Minimum Income A$65,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 55,000 bonus Qantas Points when you apply online, are approved and spend $3,000 on your new Card within the first 3 months.
Latitude Gem Visa

Low Rate Credit CardsLatitude Gem Visa

3.4 from 785 reviews
Purchase Rate24.99% p.a.
Annual FeeA$99 p.a.
Interest Free Period 55 days
  • 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

  • Transparency
    3.7 (435)
  • Rewards
    2.8 (169)
  • Online Experience
    3.7 (423)
  • Customer Service
    3.7 (446)
  • Rates and Fees
    3.5 (436)
  • Application Process
    4.1 (397)
  • Minimum Credit Limit A$1,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Introductory Rate 0% interest for 6 months on purchases over $250
Commonwealth Bank Low Fee

Low Rate Credit Cards and Balance Transfer Credit CardsCommonwealth Bank Low Fee

4.0 from 45 reviews
Purchase Rate19.74% p.a.
Annual FeeA$29 p.a.
Interest Free Period 55 days
  • $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

  • Transparency
    4.4 (36)
  • Rewards
    3.1 (12)
  • Online Experience
    4.4 (36)
  • Customer Service
    4.3 (36)
  • Rates and Fees
    3.9 (36)
  • Application Process
    4.4 (30)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$500
  • Maximum Credit Limit A$50,000
  • Minimum Income A$15,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Reduced First Year Annual Fee A$0
Commonwealth Bank Awards

Balance Transfer Credit Cards and Rewards Credit CardsCommonwealth Bank Awards

3.5 from 84 reviews
Purchase Rate20.24% p.a.
Annual FeeA$59 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points30,000

  • Entry-level credit limit of $500 minimum

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

  • Low $59 Annual Fee

  • 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

  • Transparency
    4.1 (49)
  • Rewards
    4.1 (37)
  • Online Experience
    4.4 (48)
  • Customer Service
    4.3 (49)
  • Rates and Fees
    3.6 (49)
  • Application Process
    4.2 (39)
  • Minimum Credit Limit A$500
  • Rewards ProgramCommBank Awards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple 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.
Bankwest Zero Platinum MasterCard

No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards and Balance Transfer Credit CardsBankwest Zero Platinum MasterCard

3.9 from 42 reviews
Purchase Rate17.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • $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

  • Transparency
    4.5 (29)
  • Rewards
    2.4 (8)
  • Online Experience
    4.1 (31)
  • Customer Service
    4.0 (31)
  • Rates and Fees
    4.4 (29)
  • Application Process
    4.3 (29)
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit A$6,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$65,000
  • Contactless PaymentsApple Pay and Google Pay
Westpac Low Rate

Low Rate Credit Cards and Balance Transfer Credit CardsWestpac Low Rate

3.6 from 59 reviews
Purchase Rate13.74% p.a.
Annual FeeA$59 p.a.
Interest Free Period 55 days
  • 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

  • Transparency
    4.1 (39)
  • Rewards
    3.4 (21)
  • Online Experience
    4.3 (36)
  • Customer Service
    4.2 (40)
  • Rates and Fees
    3.8 (41)
  • Application Process
    4.2 (37)
  • Minimum Credit Limit A$500
  • Maximum Credit Limit A$25,000
  • Minimum Income A$15,000
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Latitude Low Rate Mastercard

Low Rate Credit CardsLatitude Low Rate Mastercard

4.4 from 22 reviews
Purchase Rate9.89% p.a.
Annual FeeA$69 p.a.
Interest Free Period 55 days
  • $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)

  • Transparency
    4.5 (19)
  • Rewards
    4.5 (4)
  • Online Experience
    4.4 (18)
  • Customer Service
    4.3 (19)
  • Rates and Fees
    4.3 (19)
  • Application Process
    4.7 (19)
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Coles Rewards Mastercard

Balance Transfer Credit Cards and Rewards Credit CardsColes Rewards Mastercard

3.4 from 108 reviews
Purchase Rate19.99% p.a.
Annual FeeA$99 p.a.
Interest Free Period 55 days
  • 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 18 months

  • Relatively high $99 Annual Fee

  • $30 Late Payment Fee

  • Transparency
    3.6 (88)
  • Rewards
    4.3 (75)
  • Online Experience
    3.6 (85)
  • Customer Service
    3.5 (91)
  • Rates and Fees
    3.7 (86)
  • Application Process
    3.8 (77)
  • Minimum Credit Limit A$2,000
  • Rewards Programflybuys
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
Coles No Annual Fee MasterCard

No Annual Fee Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsColes No Annual Fee MasterCard

3.2 from 160 reviews
Purchase Rate19.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • No annual fee

  • 0% p.a. balance transfers for 18 months when you apply by 31 August 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

  • Transparency
    3.9 (97)
  • Rewards
    4.0 (83)
  • Online Experience
    3.7 (96)
  • Customer Service
    3.8 (98)
  • Rates and Fees
    4.2 (97)
  • Application Process
    4.3 (84)
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$60,000
  • Minimum Income A$25,000
  • Rewards Programflybuys
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
Commonwealth Bank Diamond Awards

Frequent Flyer & Travel Credit Cards and Rewards Credit CardsCommonwealth Bank Diamond Awards

3.5 from 41 reviews
Purchase Rate20.24% p.a.
Annual FeeA$349 p.a.
Interest Free Period 55 days
  • 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

  • Transparency
    4.0 (28)
  • Rewards
    3.4 (27)
  • Online Experience
    4.3 (29)
  • Customer Service
    4.3 (30)
  • Rates and Fees
    3.2 (30)
  • Application Process
    4.1 (23)
  • BenefitsComplimentary Travel Insurance
  • Minimum Credit Limit A$15,000
  • Maximum Credit Limit A$50,000
  • Rewards ProgramCommBank Awards
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Virgin Money No Annual Fee Visa

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

2.9 from 164 reviews
Purchase Rate18.99% p.a.
Annual FeeA$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.

  • Transparency
    2.1 (16)
  • Rewards
    2.1 (11)
  • Online Experience
    2.0 (14)
  • Customer Service
    2.1 (16)
  • Rates and Fees
    2.7 (13)
  • Application Process
    2.4 (14)
  • Minimum Credit Limit A$2,000
  • Minimum Income A$25,000
  • Contactless PaymentsSamsung Pay
GO MasterCard

No Annual Fee Credit Cards and Rewards Credit CardsGO MasterCard

2.7 from 869 reviews
Purchase Rate22.74% p.a.
Annual FeeA$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%)

  • 3% International Transaction Fee

  • Transparency
    3.5 (411)
  • Rewards
    2.6 (151)
  • Online Experience
    3.6 (379)
  • Customer Service
    3.6 (425)
  • Rates and Fees
    3.2 (427)
  • Application Process
    4.0 (363)
  • Minimum Credit Limit A$1,000
  • Maximum Credit Limit A$25,000
  • Rewards ProgramGO Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
ANZ Platinum

Balance Transfer Credit CardsANZ Platinum

3.6 from 27 reviews
Purchase Rate20.24% p.a.
Annual FeeA$87 p.a.
Interest Free Period 55 days
  • 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

  • Transparency
    3.8 (15)
  • Rewards
    3.6 (5)
  • Online Experience
    3.9 (17)
  • Customer Service
    3.7 (17)
  • Rates and Fees
    3.5 (17)
  • Application Process
    3.8 (14)
  • BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit A$6,000
  • Minimum Income A$35,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Reduced First Year Annual Fee A$0
Westpac Altitude Black

Rewards Credit CardsWestpac Altitude Black · includes 6 listings

3.0 from 73 reviews
Purchase Rate20.24 to 20.49% p.a.
Annual FeeA$199 p.a., A$250 p.a. and A$300 p.a.
Interest Free Period At least 44 days

Sign-Up Bonus Points90,000 to 150,000

  • 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

  • Transparency
    3.9 (40)
  • Rewards
    4.0 (41)
  • Online Experience
    3.7 (42)
  • Customer Service
    3.8 (43)
  • Rates and Fees
    3.0 (43)
  • Application Process
    3.7 (39)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$3,000 to A$15,000
  • Maximum Credit Limit A$75,000
  • Minimum Income A$75,000
  • Rewards ProgramQantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
  • Points Earn Rate 0.75 to 3 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Westpac Altitude Platinum

Rewards Credit CardsWestpac Altitude Platinum · includes 8 listings

3.3 from 41 reviews
Purchase Rate20.24 to 20.49% p.a.
Annual FeeA$49 p.a., A$150 p.a. and A$200 p.a.
Interest Free Period At least 44 days

Sign-Up Bonus Points15,000 to 80,000

  • 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

  • Transparency
    3.9 (19)
  • Rewards
    3.8 (16)
  • Online Experience
    3.6 (19)
  • Customer Service
    3.9 (18)
  • Rates and Fees
    3.2 (20)
  • Application Process
    4.1 (18)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$3,000 to A$6,000
  • Rewards ProgramQantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
  • Points Earn Rate 0.5 to 2 points per $1
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
ANZ First

Balance Transfer Credit CardsANZ First

3.5 from 25 reviews
Purchase Rate20.24% p.a.
Annual FeeA$30 p.a.
Interest Free Period 55 days
  • 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

  • Transparency
    4.0 (6)
  • Rewards
    5.0 (1)
  • Online Experience
    3.9 (7)
  • Customer Service
    3.9 (7)
  • Rates and Fees
    4.0 (6)
  • Application Process
    4.7 (3)
  • Minimum Credit Limit A$1,000
  • Minimum Income A$15,000
  • Rewards ProgramANZ Rewards
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
American Express Explorer

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsAmerican Express Explorer

4.2 from 14 reviews
Purchase Rate20.74% p.a.
Annual FeeA$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

  • $400 Travel Credit each year

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

  • 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

  • Complimentary Travel Insurance

  • $395 Annual Fee

  • 1% Balance Transfer Fee

  • Transparency
    4.2 (13)
  • Rewards
    4.0 (12)
  • Online Experience
    4.4 (13)
  • Customer Service
    4.6 (12)
  • Rates and Fees
    3.5 (13)
  • Application Process
    4.7 (11)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit A$3,000
  • Minimum Income A$65,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 50,000 Membership Rewards Bonus Points when you spend $3,000 within the first 3 months.
ANZ Low Rate

Low Rate Credit Cards and Balance Transfer Credit CardsANZ Low Rate

3.2 from 36 reviews
Purchase Rate12.49% p.a.
Annual FeeA$58 p.a.
Interest Free Period 55 days
  • Low Interest Rate of 12.49% p.a. on purchases

  • Low Annual Fee of $58

  • 0% on Balance Transfers for 15 months & No Balance Transfer Fee

  • Up to 3 Additional Cardholders at no additional cost

  • 3% Foreign Transaction Fee

  • Balance Transfers revert to the high Cash Advance Rate of 20.24% at the end of the offer period

  • Transparency
    4.1 (12)
  • Rewards
    2.8 (4)
  • Online Experience
    4.3 (11)
  • Customer Service
    4.2 (12)
  • Rates and Fees
    4.2 (12)
  • Application Process
    4.1 (9)
  • Minimum Credit Limit A$1,000
  • Minimum Income A$15,000
  • Rewards ProgramANZ Rewards
  • Contactless PaymentsApple Pay and Google Pay
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