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Credit Cards
131 listings
GO MasterCard
- Specifications
- Pros & Cons
- Categories: No Annual Fee Credit Cards and Rewards Credit Cards
- Minimum Credit Limit : $1,000
- Maximum Credit Limit : $25,000
- Rewards Program: GO Rewards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
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%)
Latitude 28 Degrees Global Platinum Mastercard
- Specifications
- Pros & Cons
- Categories: No Annual Fee Credit Cards and Frequent Flyer & Travel Credit Cards
- Benefits: No Foreign Transaction Fee
- Minimum Credit Limit : $6,000
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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
One of the most popular travel cards in Australia, this card has no annual fee and no foreign transaction fees.
Skye Mastercard
- Specifications
- Pros & Cons
- Category: Low Rate Credit Cards
- Benefits: No Foreign Transaction Fee
- Minimum Credit Limit : $1,000
- Maximum Credit Limit : $50,000
- Minimum Income : $25,000
- Contactless Payments: Apple Pay
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
Latitude Gem Visa
- Specifications
- Pros & Cons
- Category: Low Rate Credit Cards
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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
Qantas Premier Platinum
- Specifications
- Pros & Cons
- Categories: Frequent Flyer & Travel Credit Cards and Rewards Credit Cards
- Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Minimum Income : $35,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple 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
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
Sign-Up Bonus Points120,000
Qantas American Express Ultimate
- Specifications
- Pros & Cons
- Categories: Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
- Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit : $3,000
- Minimum Income : $65,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple 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.
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
Sign-Up Bonus Points55,000
Coles Low Rate MasterCard
- Specifications
- Pros & Cons
- Categories: Low Rate Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
- Benefits: Introductory Interest Rate
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $60,000
- Minimum Income : $25,000
- Rewards Program: flybuys
- Points Earn Rates : 0.5 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
- Introductory Rate : 0% p.a. for the first 12 months
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
Coles Rewards Mastercard
- Specifications
- Pros & Cons
- Categories: Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
- Benefits: No Foreign Transaction Fee and Sign-Up Bonus Points Offer
- Rewards Program: flybuys and Velocity Frequent Flyer
- Points Earn Rates : 2 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
- Sign-Up Bonus : Receive 120,000 Bonus Points when you spend $3,000 in the first 90 days from approval
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
Sign-Up Bonus Points120,000
- Award Winner 2020
Qantas American Express Discovery
- Specifications
- Pros & Cons
- Categories: No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
- Minimum Credit Limit : $2,000
- Minimum Income : $35,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 0.75 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
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)
ING Orange One
- Specifications
- Pros & Cons
- Categories: Low Rate Credit Cards and No Annual Fee Credit Cards
- Benefits: No Foreign Transaction Fee
- Minimum Credit Limit : $1,000
- Maximum Credit Limit : $30,000
- Contactless Payments: Apple Pay
No Annual Fee
Set up instalment payments for a reduced rate
Accessible $1,000 minimum credit limit
"No International Transaction Fee" is conditional
Citibank Citi Rewards Platinum
- Specifications
- Pros & Cons
- Categories: Balance Transfer Credit Cards and Rewards Credit Cards
- Benefits: Reduced 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 Program: Citi Rewards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple 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
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
Sign-Up Bonus Points120,000
Bankwest Zero Platinum MasterCard
- Specifications
- Pros & Cons
- Categories: No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards and Balance Transfer Credit Cards
- Benefits: Complimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit : $6,000
- Maximum Credit Limit : $50,000
- Minimum Income : $65,000
- Contactless Payments: Apple Pay and Google Pay
$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
American Express Essential
- Specifications
- Pros & Cons
- Categories: Low Rate Credit Cards, No Annual Fee Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $25,000
- Minimum Income : $40,000
- Rewards Program: American Express Membership Rewards
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases
Earn up to 1.25 Membership Rewards Points per $1
0% p.a. on Balance Transfers for the first 12 months
Smartphone Screen Insurance
Add up to 4 Additional Cards at no extra cost
3% Balance Transfer Fee
3% Currency Conversion Fee
BankWest Zero MasterCard
- Specifications
- Pros & Cons
- Categories: No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards and Balance Transfer Credit Cards
- Minimum Credit Limit : $1,000
- Maximum Credit Limit : $25,000
- Minimum Income : $20,000
- Contactless Payments: Apple Pay and Google Pay
No annual fee
Accessible $1,000 minimum credit limit
2.95% foreign transaction fee
David Jones American Express
- Specifications
- Pros & Cons
- Category: Rewards Credit Cards
- Benefits: Sign-Up Bonus Points Offer
- Minimum Credit Limit : $2,000
- Minimum Income : $40,000
- Rewards Program: American Express Membership Rewards and Qantas Frequent Flyer
- Points Earn Rates : 3 points per $1
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
- Sign-Up Bonus : Receive 40,000 Reward points or 20,000 Qantas Points when you apply online by 5th December 2019, are approved and spend $750 outside David Jones in the first three months of becoming a Card Member.
40,000 Reward Points or 20,000 Qantas Points on offer
Earn up to 3 Reward Points or 1.5 Qantas Points per dollar (1 Reward Point = 0.5 Qantas Points)
3% Currency Conversion Fee
$99 Annual Fee
Sign-Up Bonus Points40,000
Kogan Money Black Card
- Categories: No Annual Fee Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
- Minimum Credit Limit : $6,000
- Minimum Income : $35,000
- Points Earn Rates : 1 points per $1
- Sign-Up Bonus : Receive $300 in Kogan.com credit when you apply by 17 December 2019 and spend $3,000 in the first 90 days.
American Express Platinum
- Specifications
- Pros & Cons
- Categories: Frequent Flyer & Travel Credit Cards and Rewards Credit Cards
- Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Income : $100,000
- Rewards Program: American Express Membership Rewards
- Points Earn Rates : 2.25 points per $1
- Contactless Payments: Apple 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.
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
Sign-Up Bonus Points120,000
Coles No Annual Fee MasterCard
- Specifications
- Pros & Cons
- Categories: No Annual Fee Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
- Benefits: Introductory Interest Rate
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $60,000
- Minimum Income : $25,000
- Rewards Program: flybuys
- Points Earn Rates : 0.5 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
- Introductory Rate : 0% p.a. for the first 12 months
No annual fee
0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 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
Woolworths Everyday Platinum
- Specifications
- Pros & Cons
- Categories: Balance Transfer Credit Cards and Rewards Credit Cards
- Benefits: Reduced First Year Annual Fee
- Minimum Credit Limit : $6,000
- Minimum Income : $30,000
- Points Earn Rates : 3 points per $1
- Contactless Payments: Apple Pay
- Reduced First Year Annual Fee : $0
$10 off at Woolworths for 2,000 points (min. $667 spend)
10% off one shop at Woolworths each month
Regular promotions to waive the annual fee for the first year
Points earned are not the same as regular Woolworths Rewards points
Points cannot be converted to Qantas Frequent Flyer points
Westpac Altitude Black · includes 6 listings
- Specifications
- Pros & Cons
- Category: Rewards Credit Cards
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $3,000 to $15,000
- Maximum Credit Limit : $75,000
- Minimum Income : $75,000
- Rewards Program: Qantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
- Points Earn Rates : 0.75 to 3 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Reduced First Year Annual Fee : $250
Uncapped points earning
Lounge passes and travel insurance included
Annual fee is not inclusive of Velocity or QFF membership fee
$75,000 minimum income required
Sign-Up Bonus Points20,000 to 100,000
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