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Best Credit Cards

Category

Brand

Rating

Card Type

Purchase Rate

At least 9.90% p.a.

Annual Fee

At most $349 p.a.

Interest Free Period

Benefits

Minimum Credit Limit

At least $400

Rewards Program

Points Earn Rate

At least 1 points per $1

Sign-Up Bonus Points

At least 80,000

Contactless Payments

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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 Fee$29 p.a.
Interest Free Period 55 days
  • Pros & Cons
  • Review Summary
  • Specifications

  • 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

  • Minimum credit limit of $500

  • 3% International Transaction Fee

  • No attached rewards program

  • Transparency
    4.4 (36)
  • Customer Service
    4.3 (36)
  • Rates and Fees
    3.9 (36)
  • Rewards
    3.1 (12)
  • Online Experience
    4.4 (36)
  • Application Process
    4.4 (30)
  • BenefitsIntroductory Interest Rate and Reduced First Year Annual Fee
  • Minimum Credit Limit $500
  • Maximum Credit Limit $50,000
  • Minimum Income $15,000
  • Introductory Rate 0% p.a. for the first 15 months
  • Reduced First Year Annual Fee $0
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Commonwealth Bank Awards

Balance Transfer Credit Cards and Rewards Credit CardsCommonwealth Bank Awards

3.5 from 85 reviews
Purchase Rate20.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Pros & Cons
  • Review Summary
  • Specifications

  • Entry-level credit limit of $500 minimum

  • Low $59 Annual Fee

  • High Balance Transfer Rate (5.99%)

  • Awards points earn rate capped at 50,000 per annum

  • Transparency
    4.1 (49)
  • Customer Service
    4.3 (49)
  • Rates and Fees
    3.6 (49)
  • Rewards
    4.1 (37)
  • Online Experience
    4.4 (48)
  • Application Process
    4.2 (39)
  • Minimum Credit Limit $500
  • Rewards ProgramCommBank Awards
  • 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 Fee$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)
  • Customer Service
    4.3 (30)
  • Rates and Fees
    3.3 (31)
  • Rewards
    3.4 (28)
  • Online Experience
    4.3 (29)
  • Application Process
    4.1 (24)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000
  • Maximum Credit Limit $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
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 Fee$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)
  • Customer Service
    4.6 (7)
  • Rates and Fees
    4.4 (7)
  • Rewards
    2.7 (3)
  • Online Experience
    4.3 (7)
  • Application Process
    4.5 (8)
  • BenefitsCashback Offer
  • Minimum Credit Limit $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

2.9 from 35 reviews
Purchase Rate20.24% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points80,000

  • Pros & Cons
  • Review Summary
  • Specifications

  • 80,000 Bonus Awards Points on offer

  • 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
    3.5 (22)
  • Customer Service
    3.9 (22)
  • Rates and Fees
    2.7 (22)
  • Rewards
    2.9 (18)
  • Online Experience
    4.0 (22)
  • Application Process
    4.0 (16)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $50,000
  • Minimum Income $50,000
  • Rewards ProgramCommBank Awards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Commonwealth Bank Commbank Essentials

Low Rate Credit CardsCommonwealth Bank Commbank Essentials

5.0 from 1 review
Purchase Rate9.90% p.a.
Annual Fee$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)
  • Customer Service
    4.0 (1)
  • Rates and Fees
    3.0 (1)
  • Online Experience
    5.0 (1)
  • Application Process
    5.0 (1)
  • Minimum Credit Limit $400
  • Maximum Credit Limit $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 Fee$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

  • 0% p.a. on purchases for 15 months

  • Complimentary Extended Warranty and Purchase Security Insurance

  • No attached rewards program

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

Low Rate Credit CardsCommonwealth Bank Low Rate Gold

3.1 from 9 reviews
Purchase Rate13.24% p.a.
Annual Fee$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 and $89 Annual Fee

  • Transparency
    2.8 (6)
  • Customer Service
    3.6 (5)
  • Rates and Fees
    3.0 (6)
  • Rewards
    2.0 (1)
  • Online Experience
    3.8 (6)
  • Application Process
    3.4 (5)
  • BenefitsComplimentary Travel Insurance and Introductory Interest Rate
  • Minimum Credit Limit $4,000
  • Maximum Credit Limit $50,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay