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    Popular credit cards on MozoRates updated: 4 February 2012

      • ANZ
        Platinum
        • 0% p.a. on purchases and balances transferred for the first 6 months
        • $0 annual fee for the first year
      • interest rate

        19.24%

      • annual fee

        $87$0 in the first 1 year


        intro interest rate

        0.00% for 6 months

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      • Bankwest
        Breeze
        • 4.99% p.a. for first 12 months on non-Bankwest credit card balance transfers
        • Up to 55 days interest free on purchases
      • interest rate

        10.99%

      • annual fee

        $69


        intro interest rate

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      • NAB
        Low Rate
        • 2.99% on purchases for your first year
        • Low annual card fee of $59
        • Up to 55 days interest free on purchases
      • interest rate

        13.24%

      • annual fee

        $59


        intro interest rate

        2.99% for 12 months

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      • Bankwest
        Zero Platinum
        • Online Exclusive: Introductory 1% p.a.purchase rate for 6 months
        • 4.99% p.a. for 12 months on balance transfers
        • Platinum status with zero annual fee
      • interest rate

        17.99%

      • annual fee

        $0


        intro interest rate

        1.00% for 6 months

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      • American Express
        Platinum Edge Credit Card
        • 0% p.a. special introductory rate for first 6 months
        • Complimentary domestic economy return flight every year
        • $149 annual card fee
      • interest rate

        20.74%

      • annual fee

        $149


        intro interest rate

        0.00% for 6 months

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    Credit card reviews

      • Citibank BP-Citi MasterCard

        Citibank Clear

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        Citibank credit card review

          11. Overall customer rating
          12. (Reviewed 2 days ago)

        Nothing but problems with customer service. They sometimes misinterpret what is said and don't fully understand the problem and it only takes some serious explanation to work it out. I only use this acct for fuel now so it is always under a $1000....       Full review 

        Nothing but problems with customer service. They sometimes misinterpret what is said and don't fully understand the problem and it only takes some serious explanation to work it out. I only use this acct for fuel now so it is always under a $1000. When I wanted to take the limit down from $10000 to $1000 they wouldn't at first. They are awful.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
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        Citibank credit card review by John from Western Australia

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      • NAB Low Fee Card

        NAB Gold Card

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        NAB credit card review

          11. Overall customer rating
          12. (Reviewed 2 days ago)

        NAB are easy to deal with, they have online services that you don't need a map to find your way around and are happy to help when you ask. They have awesome pink cards if thats what you prefer but on the downside they have paywave which is horrible.       Full review 

        NAB are easy to deal with, they have online services that you don't need a map to find your way around and are happy to help when you ask. They have awesome pink cards if thats what you prefer but on the downside they have paywave which is horrible.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
        Less
        NAB credit card review by Monique from Queensland

        1 person found this review helpful – do you?

        Yes

      • Citibank BP-Citi MasterCard

        Citibank Clear

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        Citibank credit card review

          11. Overall customer rating
          12. (Reviewed 2 days ago)

        They are the best for service and if you are travelling overseas they are the only one to be with. SIMPLY THE BEST and as they say BETTER THAN ALL THE REST.       Full review 

        They are the best for service and if you are travelling overseas they are the only one to be with. SIMPLY THE BEST and as they say BETTER THAN ALL THE REST.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
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        Citibank credit card review by Evelyn from Queensland

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    Credit cards information

    • Whether you're looking for low rate credit card, 0% balance transfer offers, rewards points or more, Mozo can guide you through the credit card maze. Our credit card database has all the latest interest rates and fees and covers hundreds of cards, including Visa, MasterCard and American Express.

      Our nifty comparison tools let you quickly filter and compare credit cards according to the features you want, such as no annual fee or interest free days. Try our search tool and compare the market in seconds.

    • Comparing credit cards

      Our comparison tools let you filter and compare credit cards according to the features you want and you can also read credit card reviews from real customers around Australia to get the inside story on everything from hidden fees to customer service.

      If you prefer to compare by card type you can find information here on Gold cards, Platinum cards, American Express and Mastercard credit cards.

    • Cheap credit cards

      Before you compare credit cards, it helps to work out what sort of credit card user you are. If you often pay interest on your card, a low rate credit card will help you keep your debt under control.

      Balance transfer offers can help you to pay off your debt faster, but be sure to check the interest rate that applies once the balance transfer period expires to avoid getting stung.

    • No fee credit cards

      If you always pay off your credit card each month and only use it for the occasional purchase, go for a credit card with no annual fee and interest free days.

      Ignore credit card rewards programs as they tend to have high fees and you're unlikely to get value out of them if you don't spend much on your card.

    • Rewards credit cards

      Rewards credit cards generally have higher annual fees, so you need to make sure this is offset by the value of the rewards you will earn by using the card.

      Mozo lets you filter and compare credit cards according to the type of rewards program you want, from frequent flyer points to cashback to general travel, entertainment and shopping rewards. More info on frequent flyer cards.

    • Credit card calculator

      Before you decide to increase your credit limit on your credit card or take up a balance transfer offer, it pays to do some number crunching with our credit card debt payments calculator.

      This page is about personal credit cards, if business credit cards are more your thing, try our business credit cards page.

    5

    Lowest interest rate

    based on ongoing interest rate

    Highest rated credit cards- as voted by the Mozo Community (rating out of 10)

    • 7.7

      Bendigo Bank credit cards

      Overall rating: 7.7 (52 reviews)

      Last reviewed: 21 January 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust
      Bendigo Bank credit cards
    • 7.6

      28 Degrees credit cards

      Overall rating: 7.6 (52 reviews)

      Last reviewed: 25 January 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust
      28 Degrees credit cards
    • 7.4

      Bankwest credit cards

      Overall rating: 7.4 (140 reviews)

      Last reviewed: 28 January 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust
      Bankwest credit cards
    • 6.8

      Bank of Queensland credit cards

      Overall rating: 6.8 (35 reviews)

      Last reviewed: 24 January 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust
      Bank of Queensland credit cards
    • 6.7

      NAB credit cards

      Overall rating: 6.7 (483 reviews)

      Last reviewed: 30 January 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust
      NAB credit cards

    American Express
    Qantas American Express Discovery Card

    No annual card fee

    Qantas American Express Discovery Card card from American Express
    • 1 Qantas Frequent Flyer point per $1 spent on all your everyday purchases
    • Earn up to 10,000 extra Qantas Frequent Flyer points
    • $0 annual card fee
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