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131 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 1,507 reviews
Purchase Rate21.99% p.a.
Annual Fee$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
    4.5 (832)
  • Rewards
    3.1 (131)
  • Online Experience
    4.4 (815)
  • Customer Service
    4.4 (846)
  • Rates and Fees
    4.5 (867)
  • Application Process
    4.5 (733)
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit $6,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
GO MasterCard

No Annual Fee Credit Cards and Rewards Credit CardsGO MasterCard

2.5 from 733 reviews
Purchase Rate22.74% p.a.
Annual Fee$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%)

  • Transparency
    3.4 (298)
  • Rewards
    2.5 (114)
  • Online Experience
    3.5 (283)
  • Customer Service
    3.5 (306)
  • Rates and Fees
    3.1 (312)
  • Application Process
    4.0 (262)
  • Minimum Credit Limit $1,000
  • Maximum Credit Limit $25,000
  • Rewards ProgramGO Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Skye Mastercard

Low Rate Credit CardsSkye Mastercard

1.5 from 49 reviews
Purchase Rate23.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 90 days
  • 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

  • Motion Code Technology

  • $99 Annual Fee

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

  • Payment Handling Fee - $0.95 charged each time a payment is made via BPAY

  • Transparency
    1.5 (41)
  • Rewards
    1.4 (17)
  • Online Experience
    1.8 (38)
  • Customer Service
    1.5 (40)
  • Rates and Fees
    1.7 (39)
  • Application Process
    2.4 (33)
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit $1,000
  • Maximum Credit Limit $50,000
  • Minimum Income $25,000
  • Contactless PaymentsApple Pay
Latitude Gem Visa

Low Rate Credit CardsLatitude Gem Visa

3.4 from 686 reviews
Purchase Rate24.99% p.a.
Annual Fee$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
    3.8 (351)
  • Rewards
    2.8 (130)
  • Online Experience
    3.8 (342)
  • Customer Service
    3.8 (358)
  • Rates and Fees
    3.5 (351)
  • Application Process
    4.1 (323)
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Qantas Premier Platinum

Frequent Flyer & Travel Credit Cards and Rewards Credit CardsQantas Premier Platinum

2.2 from 34 reviews
Purchase Rate19.99% p.a.
Annual Fee$149 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • 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

  • Complimentary Travel Insurance & Complimentary Lounge Invitations each year

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

  • 3% International Transaction Fee

  • Minimum spend of $1,500 per month is required to receive 20,000 Bonus Qantas Points each month for 6 months

  • Transparency
    2.5 (31)
  • Rewards
    3.3 (20)
  • Online Experience
    2.4 (30)
  • Customer Service
    2.5 (31)
  • Rates and Fees
    2.5 (25)
  • Application Process
    2.9 (27)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive up to 120,000 Qantas Points (20,000 points each month when you spend $1,500 each month for the first 6 months)
  • Reduced First Year Annual Fee $199
Kogan Money Black Card

No Annual Fee Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsKogan Money Black Card

1.0 from 13 reviews
Purchase Rate20.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 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

  • Complimentary Kogan First Membership

  • 3.4% International Transaction Fee

  • Reward points can only be redeemed for eligible purchases on Kogan.com, Kogan Mobile or Kogan Internet

  • Transparency
    1.1 (11)
  • Rewards
    1.2 (5)
  • Online Experience
    1.1 (10)
  • Customer Service
    1.1 (9)
  • Rates and Fees
    1.4 (8)
  • Application Process
    1.8 (9)
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Points Earn Rate 1 points per $1
  • Sign-Up Bonus Receive $500 in Kogan.com credit when you apply by 12 January 2020 and spend $500 in the first 30 days.
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

4.4 from 50 reviews
Purchase Rate20.74% p.a.
Annual Fee$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)
  • Minimum Credit Limit $2,000
  • Minimum Income $35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
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 41 reviews
Purchase Rate17.99% p.a.
Annual Fee$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 (28)
  • Rewards
    2.6 (7)
  • Online Experience
    4.2 (30)
  • Customer Service
    4.0 (30)
  • Rates and Fees
    4.5 (28)
  • Application Process
    4.3 (29)
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $50,000
  • Minimum Income $65,000
  • Contactless PaymentsApple Pay and Google Pay
Coles Rewards Mastercard

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsColes Rewards Mastercard

3.5 from 102 reviews
Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • 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

  • 0% p.a. on balance transfers for 14 months

  • Relatively high $99 Annual Fee

  • $30 Late Payment Fee

  • Transparency
    3.8 (83)
  • Rewards
    4.3 (73)
  • Online Experience
    3.8 (79)
  • Customer Service
    3.6 (85)
  • Rates and Fees
    3.8 (81)
  • Application Process
    4.0 (72)
  • BenefitsNo Foreign Transaction Fee and Sign-Up Bonus Points Offer
  • Rewards Programflybuys and Velocity Frequent Flyer
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Sign-Up Bonus Receive 100,000 Bonus Points when you spend $3,000 in the first 90 days from approval plus 20,000 Bonus Points after your first anniversary.
Coles Low Rate MasterCard

Low Rate Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsColes Low Rate MasterCard

1.6 from 536 reviews
Purchase Rate12.99% p.a.
Annual Fee$58 p.a.
Interest Free Period 55 days
  • 0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020

  • Low $58 Annual Fee

  • Low 12.99% p.a. Interest Rate on purcahes

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

  • 2.5% International Transaction Fee

  • Transparency
    3.2 (52)
  • Rewards
    3.4 (36)
  • Online Experience
    2.9 (54)
  • Customer Service
    2.6 (58)
  • Rates and Fees
    3.3 (54)
  • Application Process
    3.5 (52)
  • BenefitsIntroductory Interest Rate
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $60,000
  • Minimum Income $25,000
  • Rewards Programflybuys
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Introductory Rate 0% p.a. for the first 12 months
ING Orange One

Low Rate Credit Cards and No Annual Fee Credit CardsING Orange One

3.0 from 26 reviews
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 45 days
  • No Annual Fee

  • Set up instalment payments for a reduced rate

  • Accessible $1,000 minimum credit limit

  • "No International Transaction Fee" is conditional

  • Transparency
    3.5 (20)
  • Rewards
    2.7 (10)
  • Online Experience
    3.5 (19)
  • Customer Service
    3.5 (21)
  • Rates and Fees
    4.3 (19)
  • Application Process
    3.6 (17)
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit $1,000
  • Maximum Credit Limit $30,000
  • Contactless PaymentsApple 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 Fee$450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points55,000

  • Regular Bonus Point Offers (currently 55,000)

  • 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 $3,000
  • Minimum Income $65,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 55,000 bonus Qantas Points when you apply online and spend $3,000 within the first 3 months.
ANZ Rewards Travel Adventures

Frequent Flyer & Travel Credit Cards and Rewards Credit CardsANZ Rewards Travel Adventures

3.6 from 24 reviews
Purchase Rate20.24% p.a.
Annual Fee$225 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points75,000

  • 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

  • Complimentary Extended Warranty Insurance and Purchase Security 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)

  • Lower earn rate of 0.5 ANZ Reward Points per $1 after the first $2,000 per statement period

  • Transparency
    4.2 (20)
  • Rewards
    3.9 (19)
  • Online Experience
    3.9 (19)
  • Customer Service
    4.2 (19)
  • Rates and Fees
    3.6 (20)
  • Application Process
    4.0 (19)
  • BenefitsComplimentary Travel Insurance, No Foreign Transaction Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Rewards ProgramANZ Rewards and Velocity Frequent Flyer
  • Points Earn Rate 1.5 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus 75,000 bonus Velocity Frequent Flyer Points when you spend $2,500 on eligible purchases in the first 3 months of approval.
Coles No Annual Fee MasterCard

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

3.3 from 158 reviews
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • No annual fee

  • 0% p.a. on purchases or balance transfers for 6 months when you apply by 31 March 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 (95)
  • Rewards
    4.0 (81)
  • Online Experience
    3.8 (94)
  • Customer Service
    3.8 (96)
  • Rates and Fees
    4.3 (95)
  • Application Process
    4.3 (82)
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $60,000
  • Minimum Income $25,000
  • Rewards Programflybuys
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
Commonwealth Bank Awards

Balance Transfer Credit Cards and Rewards Credit CardsCommonwealth Bank Awards

3.5 from 83 reviews
Purchase Rate20.24% p.a.
Annual Fee$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

  • 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 (48)
  • Rewards
    4.1 (37)
  • Online Experience
    4.4 (48)
  • Customer Service
    4.3 (48)
  • Rates and Fees
    3.6 (49)
  • 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
  • Sign-Up Bonus Receive 30,000 Bonus Awards Points when you apply by 29 February 2020 and spend $2,000 within 90 days.
Citibank Citi Rewards Platinum

Balance Transfer Credit Cards and Rewards Credit CardsCitibank Citi Rewards Platinum

2.9 from 72 reviews
Purchase Rate21.49% p.a.
Annual Fee$149 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • 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

  • Reduced $0 or $49 Annual Fee in your first year

  • $149 or $199 Annual Fee after your first year

  • 3.4% International Transaction Fee

  • 1% or 1.5% Balance Transfer Fee may apply depending on which sign-up offer you choose

  • Transparency
    3.6 (38)
  • Rewards
    3.9 (35)
  • Online Experience
    3.7 (39)
  • Customer Service
    3.7 (39)
  • Rates and Fees
    3.5 (38)
  • Application Process
    3.8 (37)
  • BenefitsReduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $100,000
  • Minimum Income $35,000
  • Rewards ProgramCiti Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Sign-Up Bonus Receive up to 120,000 bonus points (80,000 points when you spend $3,000 in the first 90 days from approval and an additional 40,000 points on your first anniversary)
  • Reduced First Year Annual Fee $49
BankWest Zero MasterCard

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

3.0 from 47 reviews
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • No annual fee

  • Accessible $1,000 minimum credit limit

  • 2.95% foreign transaction fee

  • Transparency
    3.8 (20)
  • Rewards
    2.4 (7)
  • Online Experience
    3.5 (19)
  • Customer Service
    3.5 (20)
  • Rates and Fees
    3.9 (20)
  • Application Process
    4.1 (19)
  • Minimum Credit Limit $1,000
  • Maximum Credit Limit $25,000
  • Minimum Income $20,000
  • Contactless PaymentsApple Pay and Google Pay
American Express Platinum

Frequent Flyer & Travel Credit Cards and Rewards Credit CardsAmerican Express Platinum

3.1 from 39 reviews
Purchase Rate
Annual Fee$1,450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points120,000

  • No pre-set spending limit

  • Card is made of metal

  • Access to over 1,200 airport lounges worldwide

  • 2.25 Membership Rewards points per $1 spent

  • $1,450 Annual Fee

  • Minimum required income of $100,000

  • Transparency
    3.5 (23)
  • Rewards
    3.6 (20)
  • Online Experience
    3.6 (23)
  • Customer Service
    3.8 (24)
  • Rates and Fees
    2.7 (23)
  • Application Process
    4.0 (20)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Income $100,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 2.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive a welcome bonus of 120,000 Membership Rewards points when you spend $1,500 in the first 3 months.
HSBC Platinum

Balance Transfer Credit Cards and Rewards Credit CardsHSBC Platinum

2.8 from 31 reviews
Purchase Rate19.99% p.a.
Annual Fee$129 p.a.
Interest Free Period 55 days
  • 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

  • Complimentary Insurances, including Domestic and International Travel Insurance

  • 3% Overseas Exchange Fees

  • Earning Points capped at 10,000 per statement period

  • Balance Transfers revert to the high Cash Advance Rate of 21.99% p.a.

  • Transparency
    3.7 (19)
  • Rewards
    3.7 (13)
  • Online Experience
    3.2 (19)
  • Customer Service
    3.6 (19)
  • Rates and Fees
    4.0 (18)
  • Application Process
    3.6 (18)
  • BenefitsComplimentary Travel Insurance and Introductory Interest Rate
  • Minimum Credit Limit $6,000
  • Minimum Income $40,000
  • Rewards ProgramHSBC Rewards Plus
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Google Pay
  • Introductory Rate 0% p.a. on interest on purchases for 12 months
Citibank Citi Premier

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsCitibank Citi Premier

2.8 from 22 reviews
Purchase Rate21.49% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • 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

  • Complimentary International Travel Insurance and Two Airport Lounge Passes each year

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

  • 1% Balance Transfer Fee

  • 3.4% International Transaction Fee

  • Minimum Credit Limit of $15,000

  • Transparency
    4.1 (10)
  • Rewards
    3.9 (10)
  • Online Experience
    4.0 (10)
  • Customer Service
    4.0 (10)
  • Rates and Fees
    3.7 (10)
  • Application Process
    3.7 (9)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Maximum Credit Limit $100,000
  • Minimum Income $75,000
  • Rewards ProgramCiti Rewards
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Sign-Up Bonus Receive 120,000 Bonus Points when you spend $4,000 in the first 90 days from card approval
  • Reduced First Year Annual Fee $199
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