Best Credit Cards

Brand
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Rating
Card Type
Purchase Rate
8.99% p.a.
Annual Fee
$1,750 p.a.
Interest Free Period
Benefits
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Minimum Credit Limit
$500
Rewards Program
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Points Earn Rate
0.5 points per $1
Introductory Rate Period
6 months
Sign-Up Bonus Points
8,000
Reduced First Year Annual Fee
$0
Contactless Payments

Latitude 28 Degrees Global Platinum Mastercard

Latitude 28 Degrees Global Platinum Mastercard

3.6  (1,878)
 Summary
  • Purchase Rate21.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
melir
melir18 posts
 
Terrible financial productWe couldn’t make repayments while overseas. It was not possible to contact this company while overseas. There are so many issues with this product. Please don’t use it and don’t let your kids use it. Show details
Qantas American Express Discovery

Qantas American Express Discovery

4.1  (57)
 Summary
  • Purchase Rate20.74% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 44 days
WalterWhite
WalterWhite
 
Latitude Infinity Rewards Visa

Latitude Infinity Rewards Visa

4.0  (65)
 Summary
  • Purchase Rate23.95% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Anne Porter
Anne Porter
 
Bankwest Zero Platinum MasterCard

Bankwest Zero Platinum MasterCard

3.8  (51)
 Summary
  • Purchase Rate17.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Cambo
CamboNSW9 posts
  Verified
Latitude Gem Visa

Latitude Gem Visa

3.2  (1,103)
 Summary
  • Purchase Rate23.95% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
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K V.
K V.91 posts
 
Commonwealth Bank Low Fee

Commonwealth Bank Low Fee

3.8  (49)
 Summary
  • Purchase Rate19.74% p.a.
  • Annual Fee$29 p.a.
  • Interest Free Period 55 days
Mayur
Mayur6 posts
 
Commonwealth Bank Awards

Commonwealth Bank Awards

3.5  (88)
 Summary
  • Purchase Rate20.24% p.a.
  • Annual Fee$59 p.a.
  • Interest Free Period 55 days
Stu R.
Stu R.2 posts
 
Max freeIve Maxed out my limit. Soo paying the upmost in interest possible and they have the audacity to let me spend past the limit and then charge me per transaction there past a further $10 for no apparent reason. No extra workload on their behalf but considerably more detriment just for me (like it was a punishment). Far king are souls. Lone sharcs Show details
Stu R.
Stu R.  
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Westpac Low Rate

Westpac Low Rate

3.6  (61)
 Summary
  • Purchase Rate13.74% p.a.
  • Annual Fee$59 p.a.
  • Interest Free Period 55 days
Azadeh S.
Azadeh S.VIC2 posts
 
Qantas American Express Ultimate

Qantas American Express Ultimate

3.4  (85)
 Summary
  • Purchase Rate20.74% p.a.
  • Annual Fee$450 p.a.
  • Interest Free Period 44 days
  • Sign-Up Bonus Points100,000
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Dan
DanCaulfield31 posts
 
Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.1  (181)
 Summary
  • Purchase Rate19.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
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N G.
N G.NSW2 posts
 
What a mistake this was signing up to a coles MastercardDo not get this product. How hard can it be to close and pay an account? Thrash app, thrash customer service. All round just terrible Show details
Commonwealth Bank Diamond Awards

Commonwealth Bank Diamond Awards

3.4  (43)
 Summary
  • Purchase Rate20.24% p.a.
  • Annual Fee$349 p.a.
  • Interest Free Period 55 days
  • Sign-Up Bonus Points100,000
SmallBusinessOwner
SmallBusinessOwner
 
GO MasterCard

GO MasterCard

2.8  (1,179)
 Summary
  • Purchase Rate23.95% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
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Jo-Anne Irwin
Jo-Anne IrwinQLD2 posts
 
A Credit Card for you to be happy withI've had my Go Latitude Mastercard now for over 7 months and have not been happier with the interest rate, the 6 month interest free terms on items over $250 and the customer service which include bonus offers. I have had many cards over the years but honestly this one is very good. Hope you agree. Just try it. Show details
Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

2.7  (181)
 Summary
  • Purchase Rate18.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Valerio
Valerio
 
Choice a better credit card next timeApplied for the card to get rewards , card approved 20 days before i got it at home. Had no chance to obtain points since the short time from approval to get it in my possess.
Unclear communications and provedures. App low functions. Show details
ANZ Platinum

ANZ Platinum

3.3  (29)
 Summary
  • Purchase Rate20.24% p.a.
  • Annual Fee$87 p.a.
  • Interest Free Period 55 days
kevin
kevin2 posts
 
ANZ Low Rate

ANZ Low Rate

3.1  (37)
 Summary
  • Purchase Rate12.49% p.a.
  • Annual Fee$58 p.a.
  • Interest Free Period 55 days
Lazy guy
Lazy guyVIC48 posts
 
Cannot increase above $1000I had been with ANZ credit card for long time, no bad credit. always paid balance in full within 2 or 3 weeks. I applied westpac and nab credit cards and got approved much much higher. ANZ won't increase and I got really upset and closed anz credit card. why should i pay yearly fee if cannot increase beyond 1k? Ridiculous system. Show details
Commonwealth Bank Low Rate

Commonwealth Bank Low Rate

4.2  (13)
 Summary
  • Purchase Rate13.24% p.a.
  • Annual Fee$59 p.a.
  • Interest Free Period 55 days
Modasser
ModasserNSW9 posts
 
CBA made me pay ATO my due amount which i was planning to pay after 6 months. And then declined my credit applicationCBA made me pay ATO my due amount which i was planning pay after 6 months. And then declined my credit application.
Why you asked me to pay ATO if you were going to decline my application ? Show details
Latitude Low Rate Mastercard

Latitude Low Rate Mastercard

2.9  (52)
 Summary
  • Purchase Rate9.89% p.a.
  • Annual Fee$69 p.a.
  • Interest Free Period 55 days
Gecko1968
Gecko1968Canberra5 posts
 
Hopeless customer serviceEverything is fine until you have a problem or need to speak to someone. Then, good luck with the overseas call centre. Show details
American Express Explorer

American Express Explorer

3.5  (20)
 Summary
  • Purchase Rate20.74% p.a.
  • Annual Fee$395 p.a.
  • Interest Free Period 55 days
  • Sign-Up Bonus Points50,000
Cassandra
CassandraNSW28 posts
 
Dreadful application process and third party referral for credit scoreRefers you to third party credit agent then you have to apply to getvyour credit score also then offers to subscribe at your own. Avoid Show details
BankWest Zero MasterCard Classic

BankWest Zero MasterCard Classic

2.8  (53)
 Summary
  • Purchase Rate17.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Venkatesa
VenkatesaNSW3 posts
 
American Express Platinum Edge

American Express Platinum Edge

2.6  (66)
 Summary
  • Purchase Rate20.74% p.a.
  • Annual Fee$195 p.a.
  • Interest Free Period 55 days
Wally
Wally14 posts
 
Commonwealth Bank Platinum Awards

Commonwealth Bank Platinum Awards

2.8  (37)
 Summary
  • Purchase Rate20.24% p.a.
  • Annual Fee$249 p.a.
  • Interest Free Period 55 days
  • Sign-Up Bonus Points80,000
Modasser
ModasserNSW9 posts
 
CBA made me pay ATO my due amount which i was planning to pay after 6 months. And then declined my credit applicationCBA made me pay ATO my due amount which i was planning to pay after 6 months. And then declined my credit application. Show details
David Jones American Express

David Jones American Express

2.5  (79)
 Summary
  • Purchase Rate20.74% p.a.
  • Annual Fee$99 p.a.
  • Interest Free Period 44 days
  • Sign-Up Bonus Points15,000
Shaju
ShajuNew South Wales3 posts
 
Coles Rewards Mastercard

Coles Rewards Mastercard

2.3  (222)
 Summary
  • Purchase Rate19.99% p.a.
  • Annual Fee$99 p.a.
  • Interest Free Period 55 days
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Kim
Kim3 posts
 
UnprofessionalSubpar fraud service. They have no fraud team. My card was scammed for $500 worth of gaming products sent to a foreign country. Annnd -THEY BLAMED ME. Yeah.
Customer service is a joke.
Do yourself a favour and use a real bank Show details
humm90 Mastercard

humm90 Mastercard

2.3  (504)
 Summary
  • Purchase Rate24.99% p.a.
  • Annual Fee$99 p.a.
  • Interest Free Period 110 days
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Steven B
Steven B2 posts
 
LiarsIf I could give zero I would. Requested account closure to acquire a personal loan. Paid the account out in full and it took them over 10 business days to finally close my account which resulted in my personal loan falling through. Customer service provided no help and instead would just lie to me about the status of my account closure. Show details
humm90
humm90   DM   
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American Express Platinum

American Express Platinum

2.5  (69)
 Summary
  • Annual Fee$1,450 p.a.
  • Interest Free Period 44 days
  • Sign-Up Bonus Points200,000
Marco L.
Marco L.3 posts
 
Kogan Money Black Card

Kogan Money Black Card

2.3  (133)
 Summary
  • Purchase Rate20.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
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WestyGardener
WestyGardener3 posts
 
reward points are a scamKogan points are useless. I have been back and forth with Kogan support for a few days. it wont let me purchase a single item on kogan.com with my reward points. They told me I can only purchase items with a tile for reward points purchase. the only problem is there isn't a single item I have seen on the site with this tile. What a scam. Show details
ANZ First

ANZ First

2.6  (40)
 Summary
  • Purchase Rate20.24% p.a.
  • Annual Fee$30 p.a.
  • Interest Free Period 55 days
adam
adam
 
Terrible customer servicesWell after almost three months applying ,going backwards and forwards and wasting alot of time
I was told my application declined ,even though I am in very strong financial position
I think the poor spoken bank rep has got some information calculations wrong .but I won't bother correcting them as I will seek to apply somewhere else Show details
American Express Essential

American Express Essential

2.2  (141)
 Summary
  • Purchase Rate14.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Kumar
KumarNSW
 
Amex supporting fraud company kiwi.com who cheats lot of customersI booked flight ticket with kiwi.com, it cancelled flight with out giving any refund. When I contacted amex as I have buyer protection policy. I didn't get any response from amex. Show details
ING Orange One

ING Orange One

2.6  (38)
 Summary
  • Purchase Rate11.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 45 days
Rambler 101
Rambler 10113 posts
 
LOOK FOR OTHER OPTIONSING: REJECTS long standing loyal customer, with impeccable record of credit card repayments. ING DISREGARDS customer's personal assets and extensive Savings and Retirement accounts incomes and balances, deeming customer unacceptable.
Don't bother applying, look elsewhere and save yourself from the unpleasant experience of an ING rejection! Show details
NAB Low Rate

NAB Low Rate

3.0  (19)
 Summary
  • Purchase Rate12.99% p.a.
  • Annual Fee$59 p.a.
  • Interest Free Period 55 days
Romit
RomitNSW14 posts
  Verified
No BT available. You will be declined & refused appI applied for NAB credit card because of Balance Transfer (BT) and low rate card.
But got refused even I’ve good job and bank balance.

Simply they will throw out many advertisements and encourage you to open bank account but simply they will refuse your credit card and spoil your rating.

Such a cheap and pathetic bank…
Please don’t trust them. Show details

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