Credit Cards

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

$99 Annual Fee

Establishment Fee for Interest Free Instalment Plans ranges from 3% - 5%

0% interest for a set period with eligible partners

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

$25 Establishment Fee

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

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

$99 Annual Fee

3% International Transaction Fee

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

No Annual Fee

No International Transaction Fees

Reviewers complain about fees when paying off the card (e.g. $0.95 BPAY fee)

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

3.4% International Transaction Fee

Reward points can only be redeemed for eligible purchases on Kogan.com, Kogan Mobile or Kogan Internet

No Annual Fee

No Points Earn Cap

Generally fewer sign-up bonus points compared to other cards

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

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

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

Relatively high $99 Annual Fee

$30 Late Payment Fee

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

$395 Annual Fee

Uncapped points earning

Annual fee is not inclusive of Velocity or QFF membership fee

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

No pre-set spending limit

Card is made of metal

$1,450 Annual Fee

$0 Annual Fee

11.99% p.a. Variable Interest Rate

1.5% International Transaction Fee

0.8% Mastercard Cross-border Fee

Regular Bonus Point Offers

High Points Earn Rate

Uncapped Annual Points Accrual

$450 annual Qantas Travel Credit

High Annual Fee ($450)

1% Balance Transfer Establishment Fee

$65,000 minimum income requirement

No annual fee

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

Low flybuys points earn rate of 1 Flybuy Point per $2

2.5% International Transaction Fee

Relatively high 19.99% interest rate

Low $58 Annual Fee

Low 12.99% p.a. Interest Rate on purchases

flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1

$0 Annual Fee

No Foreign Transaction Fees

Complimentary Overseas Travel Insurance

3% International Transaction Fees

$0.95 BPAY Fee

30,000 Reward Points or 15,000 Qantas Points on offer

3% Currency Conversion Fee

Entry-level credit limit of $500 minimum

High Balance Transfer Rate (5.99%)

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

$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