Credit Cards

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

$149 or $199 Annual Fee after your first year

3.4% International Transaction Fee

Up to 120,000 Bonus Rewards Points on offer

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

Earn up to 2 Citi Rewards Points per $1 spent

Linked Diners Club Card includes uncapped earn rate of 2 Points per $1 and No International Transaction Fees

High $199 Annual Fee in the first year & $395 for each subsequent year

1% Balance Transfer Fee

3.4% International Transaction Fee

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

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)

25,000 Bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval

1 Reward Point per $1 spent on eligible purchases up to $1,000 per statement period

3% Overseas Transaction Fee

No Annual Card Fee and No Late Payment Fee

0% p.a. Balance Transfers for 6 months

3.4% International Transaction Fee

0% p.a. on Balance Transfers for the first 18 months

$0 Annual Fee in the first year

Ongoing Annual Fee Waiver: $0 if you make $20,000 in eligible purchases on the card in 12 months

Complimentary Overseas Travel Insurance and Purchase Security Insurance

2% Balance Transfer Fee

3% International Transaction Fee

0.75 points per $1 for the first $3,000 each statement period

Travel insurance and shopping insurance available

Points earn rate reduced to 0.5 after $3,000 per statement period

Low $30 Annual Fee (waived for full-time tertiary students)

0% p.a. on Balance Transfers for 18 months

2% Balance Transfer Fee

100,000 Bonus Qantas Points and $200 cashback on 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

Low Interest Rate of 12.49% p.a. on purchases

Low Annual Fee of $58

0% on Balance Transfers for 15 months & No Balance Transfer Fee

3% Foreign Transaction Fee

Up to 150,000 Bonus Qantas Points on offer

$49 Annual Fee in your first year

Earn up to 1 Qantas Point per $1 spent

0% p.a. on Balance Transfers for 15 months, 0% Balance Transfer Fee

$444 Annual Fee after your first year

Minimum Credit Limit of $15,000

50,000 Bonus Reward Points and $50 back to your new ANZ Rewards Platinum on offer

Earn 1.5 Reward Points per $1 spen on eligible purchases up to $2,000 per statement period

$95 Annual Fee

3% Foreign Transaction Fee

25,000 bonus Qantas Points when you spend $1,000 in the first 3 months

Low points earn rate (0.5 per $1 up to $500, 0.25 above $500 per statement period)

100,000 bonus Reward Points and $100 back to your new ANZ Rewards Black on offer

Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period (1 Reward Point per $1 thereafter)

$375 Annual Fee

3% Foreign Transaction Fee

No Annual Fee in your first year

0% p.a. for 9 months on purchases and balance transfers

Low Purchase Rate of 14.99% p.a.

$99 Annual Fee after your first year

3.4% International Transaction Fee

150,000 Bonus Points on offer

Earn up to 3 Points for every $1 spent

Unlimited Airport Lounge Access and Complimentary Airport Transfer Service

Complimentary International Travel Insurance and Complimentary Hotel Stay

0% p.a. on Balance Transfers for 6 months

$700 Annual Fee

3.4% International Transaction Fee

Balance Transfer Rate reverts to high Cash Advance Rate after 6 months

Up to 60,000 Bonus Skywards Miles on offer

Earn up to 1.5 Skywards Miles per dollar

5 Complimentary Insurances including International Travel Insurance

Two Complimentary Lounge Passes and Airport Transfers each year

0% p.a. on Balance Transfers for 9 months

$299 Annual Fee ($149 in your first year)

3.4% International Transaction Fee

Up to 70,000 bonus Qantas Points on offer

Earn up to 1.5 Qantas Points per $1 spent

0% p.a. on Balance Transfers for 6 months

Complimentary Airport Transfers, Hotel Stay and Unlimited Lounge Access

Complimentary Insurances including International Travel Insurance, Purchase Cover Insurance and Extended Warranty Insurance

$749 Annual Fee

3.4% International Transaction Fee

Balance Transfer Rate reverts to high Cash Advance Rate after 6 months