top 5 credit cards
1
St George Vertigo Mastercard
- Low 10.99% p.a. on purchases*
- 0% p.a balance transfer for up to 6 months**
- Awarded Australia's Cheapest Credit Card. Money Magazine 2008
- $45 annual fee
- Up to 55 days interest free days on purchases*
Visit St George for more details and full terms & conditions
Review all St George Credit Cards
2
ANZ Balance Visa
- 13.99% p.a. interest rate on purchases
- 1 Reward Point for every $1 you repay to your balance
- Choose how you would like to be rewarded - Cashback, Shopping Vouchers or Gift Cards
- Choose how often you would like to be rewarded - every 3, 6 or 12 months
- Get a response to your application within 60 seconds!
3
Citibank Clear Card
- 11.99%p.a. ongoing on purchases
- 0% for 6 months on Balance Transfers
- Up to 55 days interest free credit on purchases
- Low annual fees for primary and additional cardholders
- Generous credit limit up to $20,000
4
Commonwealth Bank Low Rate Credit Card
- 13.24% p.a. on purchases
- 18.99% p.a. on cash advances
- Balance transfer rate of 5.99% p.a. for 5 months
- Up to 55 days interest free credit on purchases
- $48 annual fee and free additional card
Visit the Commonwealth Bank for more details and full terms & conditions
5
Aussie MasterCard
- 11.99% p.a. on purchases
- 15.99% p.a. on cash advances
- Up to 55 days interest free credit on purchases
- An annual credit card fee of only $49
latest credit cards news
Reward programs can help you buy more for less
16 May 2008
Credit cards with a reward program are an excellent financial tool for those who can control their expenditure... read full story
No annual fee credit cards can help infrequent users
14 May 2008
Credit cards with no annual fee are not particularly common, but there are a few such credit cards on the market... read full story
Overview of our best balance transfer credit cards
12 May 2008
Credit cards often offer generous balance transfer deals to tempt customers these days, but sometimes this may be hiding an otherwise inferior card... read full story
Which card will help the budget most?
9 May 2008
Credit cards can be an excellent way to improve your budgeting ability, but which is the right one depends on your budgeting goals... read full story
Interest free days: How to use them effectively
8 May 2008
Credit cards mostly come with some number of interest free days on purchases, usually 55 days but occasionally 44 days or even no interest free period at all... read full story
St. George Vertigo MasterCard is a debt buster!
6 May 2008
Credit cards from St. George are regularly excellent value, but the St. George Vertigo MasterCard is an especially effective tool for debt management... read full story
Be careful with cash advance credit cards
6 May 2008
Credit cards can offer excellent interest rates on credit for purchases but they will often charge an exorbitant amount for cash... read full story
Advantages of gold and platinum credit cards
5 May 2008
Credit cards can help you with budgeting or extra spending with reward points, but the extensive reward programs and benefits of gold and platinum credit cards leave other cards in the dust... read full story
Using your credit card to save and spend
2 May 2008
Credit cards can be responsible for household debt quite easily if used as a line of credit, but credit cards can also help families to save more and live better if used correctly... read full story
Balance transfer credit cards to help with debt reduction
30 April 2008
Credit cards can get you into debt quickly if you're not careful, but with a clever swap of the credit cards you use for one with an interest free balance transfer period you can get yourself out of debt almost as easily... read full story
Low Interest Credit Cards (Low APR)
low rate credit cards are best if you are looking to purchase items and only make the minimum repayment on the card. If you leave an outstanding balance that will incur interest each month, you want to ensure you have the lowest rate possible. Consider the difference between a card with 9% and 18% interest rates, with a $3000 outstanding balance, you will incur over $20 more interest per month on the high rate card. This is a popular option for people who will make regular repayments on a purchase, but can avoid applying for a personal loan often with a higher interest rate.
Reward Program Credit Cards
Rewards are a great way to earn bonuses and get some money back from the banks. Usually rewards cards have higher interest rates, higher annual fees, or reward program fees. You should only opt for a rewards card if you plan to spend a lot of money on the card, but pay the balance to zero each month (before incurring interest). If you know you can pay off your balance each month, then a rewards card could be right for you.
Gold & Platinum Credit Cards
The Gold and Platinum credit cards generally come with a few more expenses in terms of higher interest rate, annual fees and late payment fees but these cards are aimed at the high end user and give you not only status but preferential service with any card enquiry's you may have . Gold or platinum credit cards come with terrific products attached. In most cases you are entitled to travel insurance through the rewards program which also caters for frequent flyers and using your card at one of the program partners will result in you receiving even more reward points. You will have to visit our credit card comparison chart when searching for the best gold or platinum credit cards to find a full list of benefits associated with the different gold and platinum credit cards.
Interest Free Credit Cards
Nearly all credit cards on the market have an up to 55 day interest free period attached to the card. This enables you to make credit purchases and dependent on when your statement is due, you will have up to 55 days to pay your account without having to pay any interest. This makes using your credit card a great alternative to carrying large amounts of cash when you go out shopping. However, you will be charged interest if you do not make your payment in full by the due date on your statement. Please note that the 55 day free interest term does not include any cash advances and that any cash advance made on your credit card will be charged interest from the day that you take out the cash advance.
Balance Transfer Credit Cards
The competition amongst the banks to get your business has never been greater. With Australia’s credit card debt average at $3000 per cardholder, it is little wonder the banks are offering incentives for you to transfer your credit card account to them. Australian financial institutions offer you anywhere from a zero interest rate on your credit card debt for the duration of you’re your debt to a small credit charge for a 6 month period. For example, you could be paying off $100 per month on your credit card today with $80 being taken off the principal and $20 worth of interest, by transferring your credit card debt to another financial institution you can pay the whole amount off your debt, there is no interest to pay.
No Annual Fee Credit Cards
No Annual Fee credit cards are just your normal credit card that you can get without having to pay any annual fees. A no annual fee credit card is perfect for those who find they need a credit card only on rare occasions. A low interest No Annual Fee credit card can bail you out of a tight situation and with some credit card companies charging anywhere from $25 to $150 for the privilege of having a credit card, a no annual fee credit card is a product that can be useful. Even if you already have a credit card, a no annual fee credit card can sit in your wallet or purse and be used in case of an emergency. With no annual fee it’s not going to cost you anything to have access to immediate funds should you need them.
About CreditCards.com.au
CreditCards.com.au is an Australian owned independent reviewer of credit card products. We offer an unbiased opinion on all available credit card services provided by credit card companies through the banking and financial sector.
With so much competition for banking business, we provide reviews and ratings for the different types of credit cards and credit card features to help you make an informed decisions about which credit card suits your needs best.
You will find credit card comparison and online calculator tools that will show you the different advantages each credit card offers. Compare the savings that are possible for all types of credit cards offered throughout Australia.
Search and compare Visa Credit Cards, Mastercard Credit Cards, American Express Credit Cards and Diners Club Credit Cards or even Visa and Mastercard Debit Cards.
Our comparison tools and charts compares the different interest rates, rewards points, interest free periods offered and also show any cheaper introductory interest rates that are available should you switch banking products.
We have also provided quick and easy online application forms for your convenience should you find a credit card product that is better than the one you currently have.
Find and compare credit cards at your number one online banking resource centre for Australia credit card information.
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Be rewarded for reducing your balance
You don't need be an Aussie customer
Low balance transfer of 5.99% pa for 5 months
featured credit card issuer
St George
St George is one of Australia's largest banks and offers a wide range of credit cards.
gold & platinum credit cards
credit card articles
Applying For A Credit Card Online
Online credit card applications are quick, easy and more importantly safe and secure. If the safety aspect of giving your personal details over the internet is something that you are wary of... read full article
Benefits Of Low Interest Rate Credit Cards
Most of us need to use a credit card sooner or later but how many of us have taken the time to work out what's the cheapest way to maintain our credit cards, how do we avoid credit card fees... read full article
How To Escape Credit Card Debt
The introduction of credit cards has certainly made our lives easier when we need to make a purchase or get access to cash for a night out when we don’t have the money... read full article
What is the best credit card?
Many people ask themselves, "What is the best credit card?" and "Where do I find the best credit card rate?", these are normal everyday questions that we all want to know the answer to... read full article
Pay Off Your Credit Card
Most people have an Aussie credit card that has a debit balance and it seems that you are making payments each month but your repayments are hardly making a dent in the outstanding balance... read full article
