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Best Credit Cards

Category

Brand

Rating

Card Type

Benefits

Minimum Credit Limit

A$400 to A$15,000

Rewards Program

Points Earn Rate

1 to 1.25 points per $1

Contactless Payments

Rates & Fees

Purchase Rate
9.90 to 20.24% p.a.
Annual Fee
At most A$349 p.a.
Interest Free Period

Introductory Offers

Sign-Up Bonus Points
80,000 to 100,000
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8 listings

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
  • Pros & Cons
  • Review Summary
  • Specifications

  • $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
  • Pros & Cons
  • Review Summary
  • Specifications

  • 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 and Qantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google 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

Sign-Up Bonus Points100,000

  • Pros & Cons
  • Review Summary
  • Specifications

  • 100,000 Bonus Points on offer

  • 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 and Sign-Up Bonus Points Offer
  • 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
  • Sign-Up Bonus Receive 100,000 Bonus Points when you apply by 28 Oct 2020 and spend $5,000 within 90 days from activation.
Commonwealth Bank Low Rate
  • Award Winner 2020

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

4.4 from 12 reviews
Purchase Rate13.24% p.a.
Annual FeeA$59 p.a.
Interest Free Period 55 days
  • Pros & Cons
  • Review Summary
  • Specifications

  • Low purchase interest rate of 13.24%

  • Accessible minimum credit limit of $500

  • $59 Annual Fee

  • 3% International Transaction Fee

  • No attached rewards program

  • 5.99% p.a. on Balance Transfers for 5 months, reverting to the high Cash Advance Rate of 21.24% thereafter

  • Transparency
    4.3 (7)
  • Rewards
    2.7 (3)
  • Online Experience
    4.3 (7)
  • Customer Service
    4.6 (7)
  • Rates and Fees
    4.4 (7)
  • Application Process
    4.5 (8)
  • BenefitsCashback Offer
  • Minimum Credit Limit A$500
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Commonwealth Bank Platinum Awards

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsCommonwealth Bank Platinum Awards

3.0 from 34 reviews
Purchase Rate20.24% p.a.
Annual FeeA$249 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points80,000

  • Pros & Cons
  • Review Summary
  • Specifications

  • 80,000 Bonus Awards Points when you apply by 28 October 2020 and spend $4,000 on eligible purchases within 90 days from activation.

  • Earn 1 Awards point for every $1 spent

  • International Travel Insurance included

  • $249 Annual Fee

  • 3% International Transaction Fee

  • Points are capped at 150,000 points per year

  • Transparency
    3.7 (21)
  • Rewards
    2.8 (17)
  • Online Experience
    4.0 (21)
  • Customer Service
    4.0 (21)
  • Rates and Fees
    2.8 (21)
  • Application Process
    4.0 (15)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$50,000
  • 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 80,000 Bonus Awards Points when you apply by 28 October 2020 and spend $4,000 within 90 days.
Commonwealth Bank Commbank Essentials

Low Rate Credit CardsCommonwealth Bank Commbank Essentials

5.0 from 1 review
Purchase Rate9.90% p.a.
Annual FeeA$60 p.a.
Interest Free Period 55 days
  • Pros & Cons
  • Review Summary
  • Specifications

  • 9.90% p.a Interest Rate on Purchases

  • Accessible Minimum Credit Limit of $400

  • $5 Monthly Fee ($2 if you choose online statements and set up automatic payments using AutoPay)

  • 3% International Transaction Fee

  • Maximum Credit Limit of $3,000 may be too low for you

  • Transparency
    4.0 (1)
  • Online Experience
    5.0 (1)
  • Customer Service
    4.0 (1)
  • Rates and Fees
    3.0 (1)
  • Application Process
    5.0 (1)
  • Minimum Credit Limit A$400
  • Maximum Credit Limit A$3,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Commonwealth Bank Low Fee Gold

Credit CardsCommonwealth Bank Low Fee Gold

3.7 from 3 reviews
Purchase Rate19.74% p.a.
Annual FeeA$89 p.a.
Interest Free Period 55 days
  • Pros & Cons
  • Review Summary
  • Specifications

  • $0 Annual Fee in the first year and subsequent years when you spend $10,000

  • No International Transaction Fees

  • Included International Travel Insurance

  • Complimentary Extended Warranty and Purchase Security Insurance

  • No attached rewards program

  • Transparency
    4.5 (2)
  • Online Experience
    5.0 (2)
  • Customer Service
    4.5 (2)
  • Rates and Fees
    3.5 (2)
  • Application Process
    4.0 (1)
  • BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit A$4,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Introductory Rate 0% p.a. for the first 15 months
  • Reduced First Year Annual Fee A$0
Commonwealth Bank Low Rate Gold

Low Rate Credit CardsCommonwealth Bank Low Rate Gold

3.4 from 8 reviews
Purchase Rate13.24% p.a.
Annual FeeA$89 p.a.
Interest Free Period 55 days
  • Pros & Cons
  • Review Summary
  • Specifications

  • Relatively low 13.24% purchase interest rate

  • Included International Travel Insurance

  • 3% International Transaction Fee

  • No attached rewards program

  • Transparency
    3.2 (5)
  • Rewards
    2.0 (1)
  • Online Experience
    4.4 (5)
  • Customer Service
    3.6 (5)
  • Rates and Fees
    3.4 (5)
  • Application Process
    3.4 (5)
  • BenefitsComplimentary Travel Insurance and Introductory Interest Rate
  • Minimum Credit Limit A$4,000
  • Maximum Credit Limit A$50,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay