Featured cards
1
Aussie MasterCard
- 11.49% p.a. on purchases
- 17.99% p.a. on cash advances
- Up to 55 days interest free credit on purchases
- An annual credit card fee of only $49
2
St. George Bank Vertigo MasterCard
- 10.99% p.a. on purchases
- 19.99% p.a. on cash advances
- Up to 55 days interest free credit on purchases
- An annual credit card fee of only $55
Visit St. George Bank for more details and full terms & conditions
3
Australia and New Zealand Banking Group Limited Low Rate MasterCard
- 11.74% p.a. on purchases
- 19.99% p.a. on cash advances
- Up to 55 days interest free credit on purchases
- An annual credit card fee of only $58
Visit Australia and New Zealand Banking Group Limited for more details and full terms & conditions
4
Woolworths Everyday Money Credit Card
- 17.99% p.a. on purchases
- 20.99% p.a. on cash advances
- Up to 55 days interest free credit on purchases
- An annual credit card fee of only $49
Visit Woolworths for more details and full terms & conditions
5
Macquarie Bank Visa RateSaver Card
- 11.95% p.a. on purchases
- 18.95% p.a. on cash advances
- Up to 55 days interest free credit on purchases
- An annual credit card fee of only $50
Visit Macquarie Bank for more details and full terms & conditions
latest news & offers
Cashback Credit Cards
Cashback credit cards offer rewards for dollars spent, but they may not be for everybody.. read full story
Australians changing credit cards spending habits
Recent figures show Australians are using their credit cards less and less, but there are even more measures that you can take to curb your spending. .. read full story
Debit cards increasingly popular as credit cards rates stay high
Debit cards are quickly becoming a good alternative for many people who want to minimize their credit cards debt.. read full story
Credit cards interest rates keep rising
Credit cards rates have risen continually despite interest rates decline.. read full story
Australians credit cards debt lowers in April
Credit cards debt figures lowered for the first time in fourteen years in April 2009.. read full story
Protecting your credit cards online
Using credit cards online is now the preferred option for many credit card users, but are you protected?.. read full story
Introducing the Macquarie RateSaver Card
The Macquarie Bank Visa RateSaver Card is a low interest rate credit card with quality benefits, making it a very attractive option for credit card users who spend on a budget. .. read full story
Reserve Bank Minutes show "wait and see" attitude
The Reserve Bank of Australia meeting minutes illustrates the board's belief in the recovering global economy.. read full story
Credit cards repayments hurting Gen Y
Minimum monthly repayments and large credit debt is starting to impact on Gen Y.. read full story
ANZ Low Rate MasterCard offers great rates with no fuss
ANZ latest credit card offers low interest rates with a special limited offer of 4.9% p.a... read full story
Mortgage books figures show big banks dominance
Major Banks hold 72 percent of all outstanding mortgages by value.. read full story
Report shows Bank Fees Income Climbs to $11.6 Billion
Banks fees income reports massive increase.. read full story
Australian credit cards fraud on rise with chip technology on its way
The number of credit cards fraud is on the rise in Australia, but chip authentication credit cards should be in place within three years.. read full story
Low Interest 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 11% and 20% 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 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 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 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 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 card will be charged interest from the day that you take out the cash advance.
Balance Transfer 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 account to them. Australian financial institutions offer you anywhere from a zero interest rate on your 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 card today with $80 being taken off the principal and $20 worth of interest, by transferring your debt to another financial institution you can pay the whole amount off your debt, there is no interest to pay.
No Annual Fee 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 card is perfect for those who find they need a credit card only on rare occasions. A low interest No Annual Fee card can bail you out of a tight situation and with some companies charging anywhere from $25 to $150 for the privilege of having a card, a no annual fee card is a product that can be useful. Even if you already have one, 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 provider of information about Australian credit card products. We cover a wide range of credit card services provided by credit card companies through the banking and financial sector.
We provide up to date detailed information on over 130 different types of credit cards and card features to help you make an informed decisions about which credit card suits your needs best.
You will find card comparisons and online calculator tools that will show you the different advantages each credit card offers. Compare the savings that are possible for different types of credit cards offered throughout Australia.
Search and compare Visa Cards, Mastercard, American Express Cards and Diners Club 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 provide quick and easy access to an online credit card application when you find a product that suits your needs.
Find and compare credit cards at Australia's comprehensive resource centre for Australian credit card information.
Best Offers
You don't need to be an Aussie customer
BankWest Lite MasterCard Credit Card
Australia's lowest ongoing rate MasterCard
The ideal credit card for shopping
featured credit card issuer
Gold & Platinum 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
