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109 listings

humm90 Mastercard

Low Rate Credit Cardshumm90 Mastercard

1.5 from 181 reviews
Purchase Rate23.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 80 days
  • Up to 110 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 (160)
  • Customer Service
    1.6 (163)
  • Rates and Fees
    1.7 (152)
  • Rewards
    1.3 (75)
  • Online Experience
    1.8 (150)
  • Application Process
    2.5 (130)
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit $1,000
  • Maximum Credit Limit $50,000
  • Minimum Income $25,000
  • Contactless PaymentsApple Pay
GO MasterCard

No Annual Fee Credit Cards and Rewards Credit CardsGO MasterCard

2.9 from 1,098 reviews
Purchase Rate22.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 0% interest for a set period with eligible partners

  • Three repayment options to choose from

  • $5.95 Monthly Fee when outstanding balance is greater than $10

  • $25 Establishment Fee

  • High rate once the interest-free period ends (22.74%)

  • 3% International Transaction Fee

  • Transparency
    3.6 (603)
  • Customer Service
    3.6 (623)
  • Rates and Fees
    3.3 (613)
  • Rewards
    2.8 (230)
  • Online Experience
    3.6 (558)
  • Application Process
    4.0 (531)
  • Minimum Credit Limit $1,000
  • Maximum Credit Limit $25,000
  • Rewards ProgramGO Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Latitude Gem Visa

Low Rate Credit CardsLatitude Gem Visa

3.4 from 1,019 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
    3.7 (647)
  • Customer Service
    3.7 (664)
  • Rates and Fees
    3.4 (642)
  • Rewards
    2.7 (236)
  • Online Experience
    3.6 (619)
  • Application Process
    4.1 (578)
  • Minimum Credit Limit $1,000
  • Introductory Rate 0% interest for 6 months on purchases over $250
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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 1,750 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
    4.4 (1,035)
  • Customer Service
    4.3 (1,060)
  • Rates and Fees
    4.5 (1,081)
  • Rewards
    2.9 (183)
  • Online Experience
    4.3 (1,030)
  • Application Process
    4.5 (904)
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit $6,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Kogan Money Black Card

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

1.5 from 31 reviews
Purchase Rate20.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Earn $500 Kogan.com Credit when you spend $4,000 on eligible purchases in the first 4 months from card approval

  • No Annual Fee

  • 0% p.a. for 18 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

  • 1.5% Balance Transfer Fee

  • Transparency
    1.5 (27)
  • Customer Service
    1.5 (27)
  • Rates and Fees
    2.2 (24)
  • Rewards
    2.2 (17)
  • Online Experience
    1.5 (28)
  • Application Process
    2.0 (26)
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Rewards ProgramKogan
  • Points Earn Rate 2 points per $1
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

4.3 from 52 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
    4.4 (37)
  • Customer Service
    4.7 (35)
  • Rates and Fees
    4.3 (36)
  • Rewards
    4.2 (33)
  • Online Experience
    4.4 (34)
  • Application Process
    4.6 (34)
  • BenefitsTravel Credit
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $100,000
  • 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
Qantas Premier Platinum

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

1.9 from 59 reviews
Purchase Rate19.99% p.a.
Annual Fee$299 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points100,000

  • Up to 100,000 Bonus Qantas Points & 75 Bonus Status Credits on offer if you apply by 24 February 2021

  • 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

  • $299 Annual Fee (reduced to $199 in your first year)

  • 3% International Transaction Fee

  • Transparency
    2.2 (53)
  • Customer Service
    2.2 (51)
  • Rates and Fees
    2.3 (46)
  • Rewards
    3.2 (39)
  • Online Experience
    2.1 (51)
  • Application Process
    2.8 (49)
  • 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 1.5 points per $1
  • Reduced First Year Annual Fee $199
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Coles Rewards Mastercard

Balance Transfer Credit Cards and Rewards Credit CardsColes Rewards Mastercard

3.2 from 121 reviews
Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Earn 2 flybuys Points per $1 on eligible spend

  • $0 Annual Fee

  • $10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points

  • 0% p.a. on balance transfers for 18 months

  • Relatively high $99 Annual Fee

  • $30 Late Payment Fee

  • 1.5% Balance Transfer Fee

  • Transparency
    3.4 (101)
  • Customer Service
    3.2 (105)
  • Rates and Fees
    3.5 (98)
  • Rewards
    4.0 (85)
  • Online Experience
    3.4 (97)
  • Application Process
    3.6 (89)
  • Minimum Credit Limit $2,000
  • Rewards Programflybuys
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
American Express Explorer

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsAmerican Express Explorer

4.2 from 14 reviews
Purchase Rate20.74% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points150,000

  • Up to 150,000 bonus Membership Rewards points on offer

  • $400 Travel Credit each year

  • Two complimentary entries per year to the American Express Lounge at Sydney or Melbourne International Airports

  • Earn up to 2 Membership Rewards points per $1

  • Complimentary Travel Insurance

  • $395 Annual Fee

  • 1% Balance Transfer Fee

  • Transparency
    4.2 (13)
  • Customer Service
    4.6 (12)
  • Rates and Fees
    3.5 (13)
  • Rewards
    4.0 (12)
  • Online Experience
    4.4 (13)
  • Application Process
    4.7 (11)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $65,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Westpac Altitude Black

Rewards Credit CardsWestpac Altitude Black · includes 6 listings

2.9 from 77 reviews
Purchase Rate20.24 to 20.49% p.a.
Annual Fee$199 p.a., $250 p.a. and $300 p.a.

Sign-Up Bonus Points120,000 to 150,000

  • 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

  • Transparency
    3.7 (43)
  • Customer Service
    3.6 (46)
  • Rates and Fees
    3.0 (45)
  • Rewards
    3.9 (43)
  • Online Experience
    3.6 (45)
  • Application Process
    3.6 (41)
  • BenefitsComplimentary 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 ProgramQantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
  • Points Earn Rate 0.75 to 3 points per $1
  • Contactless PaymentsApple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay
American Express Platinum

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

2.9 from 47 reviews
Annual Fee$1,450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points200,000

  • Up to 200,000 bonus Membership Points on offer (see Details)

  • No pre-set spending limit

  • Card is made of metal

  • 2.25 Membership Rewards points per $1 spent

  • $1,450 Annual Fee

  • Minimum required income of $100,000

  • Transparency
    3.2 (30)
  • Customer Service
    3.6 (31)
  • Rates and Fees
    2.4 (30)
  • Rewards
    3.0 (27)
  • Online Experience
    3.4 (29)
  • Application Process
    3.7 (25)
  • 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
ME Bank Frank Credit Card

Low Rate Credit Cards and No Annual Fee Credit CardsME Bank Frank Credit Card

3.0 from 11 reviews
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • $0 Annual Fee

  • 11.99% p.a. Variable Interest Rate

  • Accessible Minimum Credit Limit of $1,000

  • 1.5% International Transaction Fee

  • 0.8% Mastercard Cross-border Fee

  • No attached rewards program

  • Transparency
    3.2 (10)
  • Customer Service
    3.6 (10)
  • Rates and Fees
    4.5 (8)
  • Rewards
    1.3 (3)
  • Online Experience
    2.8 (9)
  • Application Process
    3.3 (8)
  • Minimum Credit Limit $1,000
  • Minimum Income $25,000
Qantas American Express Ultimate

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsQantas American Express Ultimate

3.9 from 68 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

  • High Points Earn Rate

  • Uncapped Annual Points Accrual

  • $450 annual Qantas Travel Credit

  • Two complimentary Qantas Lounge invitations

  • High Annual Fee ($450)

  • 1% Balance Transfer Establishment Fee

  • $65,000 minimum income requirement

  • Reviewers commonly complain that AmEx is not accepted everywhere

  • Transparency
    4.2 (38)
  • Customer Service
    4.5 (40)
  • Rates and Fees
    3.5 (40)
  • Rewards
    4.5 (39)
  • Online Experience
    4.2 (38)
  • Application Process
    4.4 (41)
  • 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, Google Pay and Samsung Pay
Coles No Annual Fee MasterCard

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

3.1 from 169 reviews
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • No annual fee

  • 0% p.a. balance transfers for 12 months when you apply by 31 March 2021

  • $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
    3.7 (106)
  • Customer Service
    3.6 (107)
  • Rates and Fees
    4.1 (105)
  • Rewards
    3.8 (90)
  • Online Experience
    3.5 (104)
  • Application Process
    4.1 (91)
  • 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
Coles Low Rate MasterCard

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

1.6 from 545 reviews
Purchase Rate12.99% p.a.
Annual Fee$58 p.a.
Interest Free Period 55 days
  • Low $58 Annual Fee

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

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

  • 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
    3.0 (59)
  • Customer Service
    2.5 (65)
  • Rates and Fees
    3.1 (61)
  • Rewards
    3.2 (41)
  • Online Experience
    2.7 (59)
  • Application Process
    3.4 (56)
  • 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
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 44 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 (31)
  • Customer Service
    4.1 (33)
  • Rates and Fees
    4.5 (31)
  • Rewards
    2.2 (9)
  • Online Experience
    4.2 (33)
  • Application Process
    4.4 (31)
  • 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
Latitude Infinity Rewards Visa

Rewards Credit CardsLatitude Infinity Rewards Visa

4.2 from 58 reviews
Purchase Rate20.69% p.a.
Annual Fee$69 p.a.
Interest Free Period 55 days
  • Earn 1 Latitude Infinity Rewards Point per $1 spent, uncapped

  • 3% International Transaction Fees

  • $0.95 BPAY Fee

  • $5,000 spend required to receive $50 gift voucher

  • Transparency
    4.2 (46)
  • Customer Service
    4.1 (51)
  • Rates and Fees
    4.0 (47)
  • Rewards
    4.3 (39)
  • Online Experience
    3.9 (47)
  • Application Process
    4.3 (34)
  • Rewards ProgramLatitude Infinity Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
David Jones American Express

Rewards Credit CardsDavid Jones American Express

2.7 from 69 reviews
Purchase Rate20.74% p.a.
Annual Fee$99 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points30,000

  • 30,000 Reward Points or 15,000 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

  • Transparency
    3.1 (22)
  • Customer Service
    3.3 (23)
  • Rates and Fees
    2.8 (23)
  • Rewards
    3.2 (23)
  • Online Experience
    3.3 (22)
  • Application Process
    3.6 (23)
  • BenefitsSign-Up Bonus Points Offer
  • Minimum Credit Limit $2,000
  • Minimum Income $40,000
  • Rewards ProgramAmerican Express Membership Rewards and Qantas Frequent Flyer
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple 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
  • 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
ANZ Frequent Flyer Black

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

2.6 from 13 reviews
Purchase Rate20.24% p.a.
Annual Fee$425 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • 120,000 Bonus Point & $200 Cash Back Offer

  • Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period

  • Complimentary Travel and Shopping Insurances

  • Two complimentary Qantas Club Lounge invitations every year

  • $425 Annual Fee

  • Points Earn Rate drops to 0.5 Qantas Points per $1 spent after the first $7,500 per statement period

  • 3% Foreign Transaction Fee

  • Minimum Credit Limit of $15,000 may be too high for you

  • Transparency
    3.1 (9)
  • Customer Service
    2.9 (10)
  • Rates and Fees
    2.3 (10)
  • Rewards
    3.4 (11)
  • Online Experience
    2.7 (10)
  • Application Process
    2.9 (8)
  • BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000
  • Minimum Income $75,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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