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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
Kogan Money Black Card
- Specifications
- Pros & Cons
- 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
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
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
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
- 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)
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
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
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
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
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
Commonwealth Bank Awards
- Specifications
- Pros & Cons
- Categories: Balance Transfer Credit Cards and Rewards Credit Cards
- Minimum Credit Limit : $500
- Rewards Program: CommBank Awards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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
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
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
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
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
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
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
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
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
ANZ Rewards Travel Adventures
- Specifications
- Pros & Cons
- Categories: Frequent Flyer & Travel Credit Cards and Rewards Credit Cards
- Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit : $6,000
- Minimum Income : $35,000
- Rewards Program: ANZ Rewards and Velocity Frequent Flyer
- Points Earn Rates : 1.5 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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
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
Latitude Low Rate Mastercard
- Specifications
- Pros & Cons
- Category: Low Rate Credit Cards
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
$69 Annual Fee
Low Interest Rate of 9.89% on purchases & up to 55 days interest free
Price Protection (buy now and if the price drops within 30 days, the difference will be refunded)
Purchase Protection (if an eligible purchase is accidentally damaged or stolen within 90 days, Latitude Financial Services will help repair or replace it)
Extended Warranty (1 year extra warranty on eligible purchases that have an existing one-to-two-year manufacturer's warranty)
3% International Transaction Fee
Payment Handling Fees ($0.95 online including BPAY, $2.50 in person)
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
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
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