Credit Cards

No Annual Fee

No International Transaction Fees

Reviewers complain about fees when paying off the card (e.g. $0.95 BPAY fee)

0% interest for a set period (min. $300 purchases)

$5.95 Monthly Fee

$25 Establishment Fee

90 days Interest Free on everyday purchases

9, 12 or 15 month Interest Free Instalment Plans to choose from (minimum finance amounts apply)

No International Transaction Fees

$99 Annual Fee

Establishment Fee for Interest Free Instalment Plans ranges from 3% - 5%

6 Months Interest Free on purchases over $250 with participating retailers

$99 Annual Fee

3% International Transaction Fee

Payment Handling Fees ($0.95 online, $2.50 in person)

Up to 120,000 Bonus Qantas Points on offer if you apply by 26 February 2019

Earn up to 1.5 Qantas Points per $1 spent

0% p.a. on Balance Transfers for 18 months

$199 Annual Fee in your first year, $299 Annual Fee in subsequent years

3% International Transaction Fee

Earn $500 Kogan.com Credit when you apply and spend $500 in the first 30 days from approval

No Annual Fee

0% p.a. for 12 months on Balance Transfers

3.4% International Transaction Fee

No Annual Fee

No Points Earn Cap

Generally fewer sign-up bonus points compared to other cards

$0 Annual Fee

No Foreign Transaction Fees

Complimentary Overseas Travel Insurance

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

Relatively high $99 Annual Fee

0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020

Low $58 Annual Fee

flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1

No Annual Fee

Set up instalment payments for a reduced rate

Regular Bonus Point Offers (currently 55,000)

High Points Earn Rate

Uncapped Annual Points Accrual

$450 yearly Qantas Travel Credit

High Annual Fee ($450)

Only 44 days Interest-Free Period

1% Balance Transfer Establishment Fee

$65,000 minimum income requirement

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

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)

No annual fee

0% p.a. on purchases or balance transfers for 6 months when you apply by 31 March 2020

Low flybuys points earn rate of 1 Flybuy Point per $2

2.5% International Transaction Fee

Relatively high 19.99% interest rate

Entry-level credit limit of $500 minimum

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

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

$149 or $199 Annual Fee after your first year

3.4% International Transaction Fee

No annual fee

No pre-set spending limit

Card is made of metal

Access to over 1,200 airport lounges worldwide

$1,450 Annual Fee

0% p.a. Interest Rate on purchases for the first 12 months

0% p.a. on Balance Transfers for 12 months, 0% Balance Transfer Fee

Refunded $129 Annual Fee if you spend $6,000 or more on purchases each year

Earn up to 2 Rewards Plus Points per dollar

3% Overseas Exchange Fees

Earning Points capped at 10,000 per statement period

Up to 120,000 Bonus Rewards Points on offer

0% p.a. on Balance Transfers for 15 months

Earn up to 2 Citi Rewards Points per $1 spent

Linked Diners Club Card includes uncapped earn rate of 2 Points per $1 and No International Transaction Fees

High $199 Annual Fee in the first year & $395 for each subsequent year

1% Balance Transfer Fee

3.4% International Transaction Fee