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    • Compare credit cards

    Popular credit cards on MozoRates updated: 11 February 2012

      • 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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      • American Express
        Qantas American Express Discovery Card
        • $0 annual card fee
        • 1 Qantas Frequent Flyer point per $1 spent
        • Earn up to 10,000 extra Qantas Frequent Flyer Points
      • interest rate

        20.74%

      • annual fee

        $0


        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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      • 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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    Credit card reviews

      • NAB Qantas Card

        NAB Low Fee Card

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        NAB credit card review

        Customer service great within the branch

          11. Overall customer rating
          12. (Reviewed 5 days ago)

        Credit Card is charged at the highest percentage rate and as far as putting a limit on your credit card, you may as well speak to a brick wall because they allow you to get yourself in trouble and go way over your credit limit without phoning you ...       Full review 

        Credit Card is charged at the highest percentage rate and as far as putting a limit on your credit card, you may as well speak to a brick wall because they allow you to get yourself in trouble and go way over your credit limit without phoning you or writing you a letter. Pathetic on their behalf but "they will look after you".


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
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        NAB Qantas Card credit card review by Katrina from Victoria

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      • Westpac Altitude Gold

        Westpac 55 Day MasterCard or Visa

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        Westpac credit card review

        Customer service is good but interest rates high.

          11. Overall customer rating
          12. (Reviewed 5 days ago)

        This product charges a mega amount of interest. Even if you pay off the designated amount each month there is always some fee that applies. I find this product too expensive for the awards offered. Even the awards are not that special. Some are in...       Full review 

        This product charges a mega amount of interest. Even if you pay off the designated amount each month there is always some fee that applies. I find this product too expensive for the awards offered. Even the awards are not that special. Some are in the form of products and they are already superceeded in the market place by others yet the points asked do not reflect this. Overall I find this credit card less than what I need or want.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
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        Westpac Altitude Gold credit card review by Karen from Victoria

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      • Westpac 55 Day MasterCard or Visa

        Westpac Earth

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        Westpac credit card review

        great rates and excellent customer sevice

          11. Overall customer rating
          12. (Reviewed 5 days ago)

        This card has not cost me one cent and has very helpful customer service. When I was worried about internet web site direct debiting they helped me and reassured me. I had a fee waived once when I made a late payment. I will never change this bank...       Full review 

        This card has not cost me one cent and has very helpful customer service. When I was worried about internet web site direct debiting they helped me and reassured me. I had a fee waived once when I made a late payment. I will never change this bank and I'm 100% happy with them. I hang up the phone with a smile.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
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        Westpac 55 Day MasterCard or Visa credit card review by Suesan from Victoria

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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
    • 7.5

      28 Degrees credit cards

      Overall rating: 7.5 (50 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 (36 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 (486 reviews)

      Last reviewed: 06 February 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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