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Credit Cards
109 listings
Low Rate Credit Cardshumm90 Mastercard
- Pros & Cons
- Review Summary
- Specifications
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 Service1.6 (163)
- Rates and Fees1.7 (152)
- Rewards1.3 (75)
- Online Experience1.8 (150)
- Application Process2.5 (130)
- BenefitsNo Foreign Transaction Fee
- Minimum Credit Limit $1,000
- Maximum Credit Limit $50,000
- Minimum Income $25,000
- Contactless PaymentsApple Pay
No Annual Fee Credit Cards and Rewards Credit CardsGO MasterCard
- Pros & Cons
- Review Summary
- Specifications
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 Service3.6 (623)
- Rates and Fees3.3 (613)
- Rewards2.8 (230)
- Online Experience3.6 (558)
- Application Process4.0 (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
Low Rate Credit CardsLatitude Gem Visa
- Pros & Cons
- Review Summary
- Specifications
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 Service3.7 (664)
- Rates and Fees3.4 (642)
- Rewards2.7 (236)
- Online Experience3.6 (619)
- Application Process4.1 (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
No Annual Fee Credit Cards and Frequent Flyer & Travel Credit CardsLatitude 28 Degrees Global Platinum Mastercard
One of the most popular travel cards in Australia, this card has no annual fee and no foreign transaction fees.
- Pros & Cons
- Review Summary
- Specifications
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 Service4.3 (1,060)
- Rates and Fees4.5 (1,081)
- Rewards2.9 (183)
- Online Experience4.3 (1,030)
- Application Process4.5 (904)
- BenefitsNo Foreign Transaction Fee
- Minimum Credit Limit $6,000
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
No Annual Fee Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsKogan Money Black Card
- Pros & Cons
- Review Summary
- Specifications
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 Service1.5 (27)
- Rates and Fees2.2 (24)
- Rewards2.2 (17)
- Online Experience1.5 (28)
- Application Process2.0 (26)
- Minimum Credit Limit $6,000
- Minimum Income $35,000
- Rewards ProgramKogan
- Points Earn Rate 2 points per $1
- Award Winner 2020
No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsQantas American Express Discovery
- Pros & Cons
- Review Summary
- Specifications
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 Service4.7 (35)
- Rates and Fees4.3 (36)
- Rewards4.2 (33)
- Online Experience4.4 (34)
- Application Process4.6 (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
Frequent Flyer & Travel Credit Cards and Rewards Credit CardsQantas Premier Platinum
Sign-Up Bonus Points100,000
- Pros & Cons
- Review Summary
- Specifications
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 Service2.2 (51)
- Rates and Fees2.3 (46)
- Rewards3.2 (39)
- Online Experience2.1 (51)
- Application Process2.8 (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
Balance Transfer Credit Cards and Rewards Credit CardsColes Rewards Mastercard
- Pros & Cons
- Review Summary
- Specifications
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 Service3.2 (105)
- Rates and Fees3.5 (98)
- Rewards4.0 (85)
- Online Experience3.4 (97)
- Application Process3.6 (89)
- Minimum Credit Limit $2,000
- Rewards Programflybuys
- Points Earn Rate 2 points per $1
- Contactless PaymentsApple Pay and Samsung Pay
Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsAmerican Express Explorer
Sign-Up Bonus Points150,000
- Pros & Cons
- Review Summary
- Specifications
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 Service4.6 (12)
- Rates and Fees3.5 (13)
- Rewards4.0 (12)
- Online Experience4.4 (13)
- Application Process4.7 (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
Rewards Credit CardsWestpac Altitude Black · includes 6 listings
Sign-Up Bonus Points120,000 to 150,000
- Pros & Cons
- Review Summary
- Specifications
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 Service3.6 (46)
- Rates and Fees3.0 (45)
- Rewards3.9 (43)
- Online Experience3.6 (45)
- Application Process3.6 (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
Frequent Flyer & Travel Credit Cards and Rewards Credit CardsAmerican Express Platinum
Sign-Up Bonus Points200,000
- Pros & Cons
- Review Summary
- Specifications
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 Service3.6 (31)
- Rates and Fees2.4 (30)
- Rewards3.0 (27)
- Online Experience3.4 (29)
- Application Process3.7 (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
Low Rate Credit Cards and No Annual Fee Credit CardsME Bank Frank Credit Card
- Pros & Cons
- Review Summary
- Specifications
$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 Service3.6 (10)
- Rates and Fees4.5 (8)
- Rewards1.3 (3)
- Online Experience2.8 (9)
- Application Process3.3 (8)
- Minimum Credit Limit $1,000
- Minimum Income $25,000
Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsQantas American Express Ultimate
Sign-Up Bonus Points55,000
- Pros & Cons
- Review Summary
- Specifications
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 Service4.5 (40)
- Rates and Fees3.5 (40)
- Rewards4.5 (39)
- Online Experience4.2 (38)
- Application Process4.4 (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
No Annual Fee Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsColes No Annual Fee MasterCard
- Pros & Cons
- Review Summary
- Specifications
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 Service3.6 (107)
- Rates and Fees4.1 (105)
- Rewards3.8 (90)
- Online Experience3.5 (104)
- Application Process4.1 (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
Low Rate Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsColes Low Rate MasterCard
- Pros & Cons
- Review Summary
- Specifications
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 Service2.5 (65)
- Rates and Fees3.1 (61)
- Rewards3.2 (41)
- Online Experience2.7 (59)
- Application Process3.4 (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
No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards and Balance Transfer Credit CardsBankwest Zero Platinum MasterCard
- Pros & Cons
- Review Summary
- Specifications
$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 Service4.1 (33)
- Rates and Fees4.5 (31)
- Rewards2.2 (9)
- Online Experience4.2 (33)
- Application Process4.4 (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
Rewards Credit CardsLatitude Infinity Rewards Visa
- Pros & Cons
- Review Summary
- Specifications
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 Service4.1 (51)
- Rates and Fees4.0 (47)
- Rewards4.3 (39)
- Online Experience3.9 (47)
- Application Process4.3 (34)
- Rewards ProgramLatitude Infinity Rewards
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Rewards Credit CardsDavid Jones American Express
Sign-Up Bonus Points30,000
- Pros & Cons
- Review Summary
- Specifications
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 Service3.3 (23)
- Rates and Fees2.8 (23)
- Rewards3.2 (23)
- Online Experience3.3 (22)
- Application Process3.6 (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
Balance Transfer Credit Cards and Rewards Credit CardsCommonwealth Bank Awards
- Pros & Cons
- Review Summary
- Specifications
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 Service4.3 (49)
- Rates and Fees3.6 (49)
- Rewards4.1 (37)
- Online Experience4.4 (48)
- Application Process4.2 (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
Frequent Flyer & Travel Credit Cards and Rewards Credit CardsANZ Frequent Flyer Black
Sign-Up Bonus Points120,000
- Pros & Cons
- Review Summary
- Specifications
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 Service2.9 (10)
- Rates and Fees2.3 (10)
- Rewards3.4 (11)
- Online Experience2.7 (10)
- Application Process2.9 (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