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Credit Cards

Category
Brand
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Rating
Card Type
Purchase RateAt least 8.99% p.a.
8.99% p.a.
Annual FeeAt most $1,750 p.a.
$1,750 p.a.
Interest Free Period
Benefits
Minimum Credit Limit At least $400
$400
Rewards Program
Points Earn Rate At least 0.5 points per $1
0.5 points per $1
Introductory Rate Period At least 6 months
6 months
Sign-Up Bonus PointsAt least 15,000
15,000
Reduced First Year Annual Fee
$0
Contactless Payments
112 listings
humm90 Mastercard
Low Rate Credit Cards

humm90 Mastercard

1.7 from 226 reviews
Purchase Rate23.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 80 days
  • 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
    1.8 (196)
  • Customer Service
    1.8 (199)
  • Rates and Fees
    1.9 (184)
  • Rewards
    1.6 (96)
  • Online Experience
    2.0 (183)
  • Application Process
    2.7 (159)
  • Foreign Transaction Fee 0%
  • 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 Cards

GO MasterCard

2.9 from 1,119 reviews
Purchase Rate19.95% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Pros & Cons
  • Review Summary
  • Specifications

  • 0% interest for a set period with eligible partners

  • Three repayment options to choose from

  • $8.95 Monthly Fee when outstanding balance is greater than $10

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

  • 3% International Transaction Fee

  • Transparency
    3.5 (622)
  • Customer Service
    3.5 (641)
  • Rates and Fees
    3.2 (633)
  • Rewards
    2.7 (244)
  • Online Experience
    3.5 (575)
  • Application Process
    4.0 (547)
  • Foreign Transaction Fee 3%
  • 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 Cards

Latitude Gem Visa

3.4 from 1,026 reviews
Purchase Rate19.95% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Pros & Cons
  • Review Summary
  • Specifications

  • 6 Months Interest Free on purchases over $250 with participating retailers

  • Three 0% Interest Payment Plans to choose from

  • No Annual Fee

  • Monthly Account Service fee of $8.95, applied to balances of $10 or more

  • 3% International Transaction Fee

  • Payment Handling Fees ($0.95 online, $2.50 in person)

  • High 24.99% p.a. Purchase Rate

  • Transparency
    3.6 (654)
  • Customer Service
    3.6 (671)
  • Rates and Fees
    3.4 (646)
  • Rewards
    2.6 (239)
  • Online Experience
    3.6 (624)
  • Application Process
    4.0 (583)
  • Foreign Transaction Fee 3%
  • 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
Kogan Money Black Card
No Annual Fee Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards

Kogan Money Black Card

1.6 from 47 reviews
Purchase Rate20.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
Latitude 28 Degrees Global Platinum Mastercard
No Annual Fee Credit Cards and Frequent Flyer & Travel Credit Cards

Latitude 28 Degrees Global Platinum Mastercard

3.8 from 1,756 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.

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What Is Peer-To-Peer Lending?

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Commonwealth Bank Platinum Awards
Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards

Commonwealth Bank Platinum Awards

2.9 from 35 reviews
Purchase Rate20.24% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points80,000

Qantas American Express Discovery
  • Award Winner 2020
No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards

Qantas American Express Discovery

4.3 from 52 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
Qantas American Express Ultimate
Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards

Qantas American Express Ultimate

3.8 from 69 reviews
Purchase Rate20.74% p.a.
Annual Fee$450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points100,000

Coles Rewards Mastercard
Balance Transfer Credit Cards and Rewards Credit Cards

Coles Rewards Mastercard

3.0 from 131 reviews
Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
ANZ Frequent Flyer Black
Frequent Flyer & Travel Credit Cards and Rewards Credit Cards

ANZ Frequent Flyer Black

2.4 from 16 reviews
Purchase Rate20.24% p.a.
Annual Fee$425 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

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

Bankwest Zero Platinum MasterCard

3.9 from 44 reviews
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
American Express Platinum
Frequent Flyer & Travel Credit Cards and Rewards Credit Cards

American Express Platinum

2.9 from 50 reviews
Annual Fee$1,450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points200,000

Latitude Infinity Rewards Visa
Rewards Credit Cards

Latitude Infinity Rewards Visa

4.2 from 58 reviews
Purchase Rate20.69% p.a.
Annual Fee$69 p.a.
Interest Free Period 55 days
Qantas Premier Platinum
Frequent Flyer & Travel Credit Cards and Rewards Credit Cards

Qantas Premier Platinum

1.9 from 63 reviews
Purchase Rate19.99% p.a.
Annual Fee$299 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

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

Coles No Annual Fee MasterCard

3.1 from 171 reviews
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days

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Westpac Altitude Black
Balance Transfer Credit Cards and Rewards Credit Cards

Westpac Altitude Black

 · includes 6 listings
2.9 from 78 reviews
Purchase Rate20.24 to 20.49% p.a.
Annual Fee$199 p.a. and $250 p.a.

Sign-Up Bonus Points90,000 to 150,000

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

ME Bank Frank Credit Card

2.8 from 12 reviews
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
American Express Essential
Low Rate Credit Cards, No Annual Fee Credit Cards and Rewards Credit Cards

American Express Essential

2.4 from 122 reviews
Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
American Express Explorer
Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards

American Express Explorer

4.0 from 15 reviews
Purchase Rate20.74% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

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

ING Orange One

2.9 from 28 reviews
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 45 days
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