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	Interest rate	Annual fees	Balance transfer rate		Key features
Suncorp Bank Clear Options Platinum (Qantas Rewards)	19.99%	$224	3.90% until repaid	see more details	3.9% p.a. for the life of the balances transferred	Like this card? Go to site
Bank of Queensland Platinum	20.24%	$199	3.90% until repaid	see more details	3.9% p.a. for the life of the balances transferred	Like this card? Go to site
Virgin Money Virgin No Annual Fee Credit Card	16.95%	$0	2.90% for 6 months and then 20.99%	see more details	No Annual Fee. Ever. A choice of 6 colours.	Like this card? Go to site
ANZ Low Rate	13.24%	$58	2.90% for 12 months	see more details	2.9% p.a. on balances transferred for the first 12 months if apply by 25 September 2010.	Like this card? Go to site
Suncorp Bank Clear Options Standard	12.24%	$39	1.90% for 12 months and then 17.99%	see more details	1.9% p.a. for 12 months on balances transferred	Like this card? Go to site

Interest rate	Annual fees	Balance transfer rate	Key features
19.99%	$224	3.90% until repaid	3.9% p.a. for the life of the balances transferred

Product Type	Overall	Price	Features	Service	Convenience	Trust
Overall	6.4	5.6	5.3	6.1	6.7	6.4
Suncorp Bank credit cards	6.4 139 REVIEWS	5.6	5.3	6.1	6.7	6.4

	Elizabeth from Queensland, a Suncorp Bank credit card customer.		8Overall Rating
	This is a decent product, it's just a basic small credit card. I like the fact that I can easily access it online to check my spending and the rewards program is a plus. Reviewed 21 days ago		8Pricing 8Product Features 9Customer Service 8Convenience 9Trust

	Kyle from Queensland, a Suncorp Bank credit card customer.		8Overall Rating
	Very helpful and understanding with any needs. Good prices and very good service. Reviewed 21 days ago		8Pricing 9Product Features 10Customer Service 7Convenience 8Trust

Interest rate	Annual fees	Balance transfer rate	Key features
20.24%	$199	3.90% until repaid	3.9% p.a. for the life of the balances transferred

Product Type	Overall	Price	Features	Service	Convenience	Trust
Overall	6.4	5.6	5.3	6.1	6.7	6.4
Bank of Queensland credit cards	7.0 79 REVIEWS	5.8	5.9	7.2	7.5	7.3

	Rachel from Queensland, a Bank of Queensland credit card customer.		10Overall Rating
	I only get charged one dollar a month and it's great. Reviewed 14 days ago		10Pricing 10Product Features 10Customer Service 10Convenience 10Trust

	Denis from Queensland, a Bank of Queensland credit card customer.		10Overall Rating
	Reviewed 21 days ago		8Pricing 8Product Features 10Customer Service 10Convenience 10Trust

Interest rate	Annual fees	Balance transfer rate	Key features
16.95%	$0	2.90% for 6 months and then 20.99%	No Annual Fee. Ever. A choice of 6 colours.

Product Type	Overall	Price	Features	Service	Convenience	Trust
Overall	6.4	5.6	5.3	6.1	6.7	6.4
Virgin Money credit cards	7.0 1 REVIEW	9.0	9.0	9.0	7.0	7.0

Interest rate	Annual fees	Balance transfer rate	Key features
13.24%	$58	2.90% for 12 months	2.9% p.a. on balances transferred for the first 12 months if apply by 25 September 2010.

Product Type	Overall	Price	Features	Service	Convenience	Trust
Overall	6.4	5.6	5.3	6.1	6.7	6.4
ANZ credit cards	6.5 1652 REVIEWS	5.3	5.6	6.5	7.4	6.6

	A Mozo reviewer from Western Australia, an ANZ credit card customer.		9Overall Rating
	I like the availability of the services they provide. The customer service varies between sellers. Their interest rates on their credit cards are fixed so i don't have to worry about any unforeseen charges Reviewed about 2 hours ago		8Pricing 8Product Features 9Customer Service 6Convenience 9Trust

	A Mozo reviewer from Victoria, an ANZ credit card customer.		8Overall Rating
	Easy, convenient. I guess it's very similar to other banks, but I already knew them from NZ so it was an easy choice to sign up with them Reviewed about 2 hours ago		8Pricing 8Product Features 6Customer Service 8Convenience 8Trust

Interest rate	Annual fees	Balance transfer rate	Key features
12.24%	$39	1.90% for 12 months and then 17.99%	1.9% p.a. for 12 months on balances transferred

Product Type	Overall	Price	Features	Service	Convenience	Trust
Overall	6.4	5.6	5.3	6.1	6.7	6.4
Suncorp Bank credit cards	6.4 139 REVIEWS	5.6	5.3	6.1	6.7	6.4

	Elizabeth from Queensland, a Suncorp Bank credit card customer.		8Overall Rating
	This is a decent product, it's just a basic small credit card. I like the fact that I can easily access it online to check my spending and the rewards program is a plus. Reviewed 21 days ago		8Pricing 8Product Features 9Customer Service 8Convenience 9Trust

	Kyle from Queensland, a Suncorp Bank credit card customer.		8Overall Rating
	Very helpful and understanding with any needs. Good prices and very good service. Reviewed 21 days ago		8Pricing 9Product Features 10Customer Service 7Convenience 8Trust

	Interest rate	Balance transfer rate	Annual fee		Key features
Suncorp Bank Clear Options Standard	12.24%	1.90% for 12 months and then 17.99%	$39.00	see more details	1.9% p.a. for 12 months on balances transferred	Like this card? Go to site
St George Vertigo	12.49%	2.99% for 6 months	$55.00	see more details	2.99% p.a. on balance transfers for 6 months.	Like this card? Go to site
Aussie Aussie MasterCard (Offer 1)	12.99%	3.99% for 12 months	$49.00	see more details	Special offers if apply before 30 September 2010	Like this card? Go to site
ANZ Low Rate	13.24%	2.90% for 12 months	$58.00	see more details	2.9% p.a. on balances transferred for the first 12 months if apply by 25 September 2010.	Like this card? Go to site
NAB Low Rate	13.24%	4.99% for 6 months and then 21.49%	$49.00	see more details	Apply online and receive a response within 60 seconds	Like this card? Go to site

Interest rate	Balance transfer rate	Annual fee	Key features
12.24%	1.90% for 12 months and then 17.99%	$39.00	1.9% p.a. for 12 months on balances transferred

Product Type	Overall	Price	Features	Service	Convenience	Trust
Overall	6.1	5.2	5.5	5.8	6.9	6.2
Suncorp Bank credit cards	6.4 139 REVIEWS	5.6	5.3	6.1	6.7	6.4

	Elizabeth from Queensland, a Suncorp Bank credit card customer.		8Overall Rating
	This is a decent product, it's just a basic small credit card. I like the fact that I can easily access it online to check my spending and the rewards program is a plus. Reviewed 21 days ago		8Pricing 8Product Features 9Customer Service 8Convenience 9Trust

	Kyle from Queensland, a Suncorp Bank credit card customer.		8Overall Rating
	Very helpful and understanding with any needs. Good prices and very good service. Reviewed 21 days ago		8Pricing 9Product Features 10Customer Service 7Convenience 8Trust

Interest rate	Balance transfer rate	Annual fee	Key features
12.49%	2.99% for 6 months	$55.00	2.99% p.a. on balance transfers for 6 months.

Product Type	Overall	Price	Features	Service	Convenience	Trust
Overall	6.1	5.2	5.5	5.8	6.9	6.2
St George credit cards	6.7 374 REVIEWS	6.1	4.9	6.6	7.1	6.9

	John from Victoria, a St George credit card customer.		9Overall Rating
	Very friendly and helpfull staff would recomend to anyone,only drawback no branch in the country. Reviewed 14 days ago		9Pricing 9Product Features 9Customer Service 2Convenience 10Trust

	Paul from New South Wales, a St George credit card customer.		10Overall Rating
	The only fault with this and any other bank is that if you do not have enough funds to cover your cheque you are charged $9 they should phone you and tell you that you need to top up your account. Reviewed 14 days ago		10Pricing 10Product Features 10Customer Service 10Convenience 10Trust

Interest rate	Balance transfer rate	Annual fee	Key features
12.99%	3.99% for 12 months	$49.00	Special offers if apply before 30 September 2010

Product Type	Overall	Price	Features	Service	Convenience	Trust
Overall	6.1	5.2	5.5	5.8	6.9	6.2
Aussie credit cards	6.2 46 REVIEWS	6.2	4.1	5.6	6.0	6.2

	Joanne from New South Wales, an Aussie credit card customer.		10Overall Rating
	No cons, just good service and a good product! Reviewed 14 days ago		10Pricing 10Product Features 10Customer Service 10Convenience 10Trust

	Mary from Victoria, an Aussie credit card customer.		10Overall Rating
	Reviewed about 1 month ago		9Pricing 9Product Features 10Customer Service 7Convenience 10Trust

Interest rate	Balance transfer rate	Annual fee	Key features
13.24%	2.90% for 12 months	$58.00	2.9% p.a. on balances transferred for the first 12 months if apply by 25 September 2010.

Product Type	Overall	Price	Features	Service	Convenience	Trust
Overall	6.1	5.2	5.5	5.8	6.9	6.2
ANZ credit cards	6.5 1652 REVIEWS	5.3	5.6	6.5	7.4	6.6

	A Mozo reviewer from Western Australia, an ANZ credit card customer.		9Overall Rating
	I like the availability of the services they provide. The customer service varies between sellers. Their interest rates on their credit cards are fixed so i don't have to worry about any unforeseen charges Reviewed about 2 hours ago		8Pricing 8Product Features 9Customer Service 6Convenience 9Trust

	A Mozo reviewer from Victoria, an ANZ credit card customer.		8Overall Rating
	Easy, convenient. I guess it's very similar to other banks, but I already knew them from NZ so it was an easy choice to sign up with them Reviewed about 2 hours ago		8Pricing 8Product Features 6Customer Service 8Convenience 8Trust

Interest rate	Balance transfer rate	Annual fee	Key features
13.24%	4.99% for 6 months and then 21.49%	$49.00	Apply online and receive a response within 60 seconds

Product Type	Overall	Price	Features	Service	Convenience	Trust
Overall	6.1	5.2	5.5	5.8	6.9	6.2
NAB credit cards	6.1 1073 REVIEWS	5.2	5.5	5.8	6.9	6.2

	A Mozo reviewer from New South Wales, a NAB credit card customer.		8Overall Rating
	It's easy to access just be sure they explain everything properly. Reviewed 1 day ago		5Pricing 0Product Features 7Customer Service 9Convenience 6Trust

	Denis from Victoria, a NAB credit card customer.		8Overall Rating
	Easy to use, looked after. Reviewed 14 days ago		4Pricing 3Product Features 8Customer Service 8Convenience 8Trust

	Balance transfer rate	Interest rate	Annual fees		Key features
Bank of Queensland Platinum	3.90% until repaid	20.24%	$199	see more details	3.9% p.a. for the life of the balances transferred	Like this card? Go to site
Suncorp Bank Clear Options Platinum (Qantas Rewards)	3.90% until repaid	19.99%	$224	see more details	3.9% p.a. for the life of the balances transferred	Like this card? Go to site
ANZ Low Rate	2.90% for 12 months	13.24%	$58	see more details	2.9% p.a. on balances transferred for the first 12 months if apply by 25 September 2010.	Like this card? Go to site
Suncorp Bank Clear Options Standard	1.90% for 12 months and then 17.99%	12.24%	$39	see more details	1.9% p.a. for 12 months on balances transferred	Like this card? Go to site
ANZ Frequent Flyer (BT Offer)	2.90% for 12 months	19.49%	$95	see more details	2.9% p.a. on balances transferred for the first 12 months if apply by 25 September 2010.	Like this card? Go to site

Balance transfer rate	Interest rate	Annual fees	Key features
3.90% until repaid	20.24%	$199	3.9% p.a. for the life of the balances transferred

Product Type	Overall	Price	Features	Service	Convenience	Trust
Overall	6.5	5.3	5.6	6.5	7.4	6.6
Bank of Queensland credit cards	7.0 79 REVIEWS	5.8	5.9	7.2	7.5	7.3

	Rachel from Queensland, a Bank of Queensland credit card customer.		10Overall Rating
	I only get charged one dollar a month and it's great. Reviewed 14 days ago		10Pricing 10Product Features 10Customer Service 10Convenience 10Trust

	Denis from Queensland, a Bank of Queensland credit card customer.		10Overall Rating
	Reviewed 21 days ago		8Pricing 8Product Features 10Customer Service 10Convenience 10Trust

Balance transfer rate	Interest rate	Annual fees	Key features
3.90% until repaid	19.99%	$224	3.9% p.a. for the life of the balances transferred

Product Type	Overall	Price	Features	Service	Convenience	Trust
Overall	6.5	5.3	5.6	6.5	7.4	6.6
Suncorp Bank credit cards	6.4 139 REVIEWS	5.6	5.3	6.1	6.7	6.4

	Elizabeth from Queensland, a Suncorp Bank credit card customer.		8Overall Rating
	This is a decent product, it's just a basic small credit card. I like the fact that I can easily access it online to check my spending and the rewards program is a plus. Reviewed 21 days ago		8Pricing 8Product Features 9Customer Service 8Convenience 9Trust

	Kyle from Queensland, a Suncorp Bank credit card customer.		8Overall Rating
	Very helpful and understanding with any needs. Good prices and very good service. Reviewed 21 days ago		8Pricing 9Product Features 10Customer Service 7Convenience 8Trust

Balance transfer rate	Interest rate	Annual fees	Key features
2.90% for 12 months	13.24%	$58	2.9% p.a. on balances transferred for the first 12 months if apply by 25 September 2010.

	Annual fees	Interest rate	Interest free days		Key features
Virgin Money Virgin No Annual Fee Credit Card	$0	16.95%	44	see more details	No Annual Fee. Ever. A choice of 6 colours.	Like this card? Go to site
ANZ First	$30	18.99%	44	see more details	2.9% p.a. on balances transferred for the first 12 months if apply by 25 September 2010.	Like this card? Go to site
Suncorp Bank Clear Options Standard	$39	12.24%	0	see more details	1.9% p.a. for 12 months on balances transferred	Like this card? Go to site
Aussie Aussie MasterCard (Offer 1)	$49	12.99%	55	see more details	Special offers if apply before 30 September 2010	Like this card? Go to site
NAB Low Rate	$49	13.24%	55	see more details	Apply online and receive a response within 60 seconds	Like this card? Go to site

	Rewards description	Annual fees		Key features
Virgin Money Virgin Flyer Credit Card	Points are credited to the Velocity program. Also, buy a seat on Virgin Blue and get a second seat for free up to 4 sectors a year.	$99	see more details	Buy a seat on Virgin Blue and get a second seat for FREE. Sign up and use your card before 15 Oct and get an additional free flight.	Like this card? Go to site
Citibank Emirates Citi Platinum Card	Points are automatically credited to the Emirates Skywards Program	$229	see more details	Limited offer- earn 3 Skywards Miles per AU$1 spent (normally 1.5 Miles per $1)	Like this card? Go to site
NAB Qantas Gold Card	Points are automatically credited to the Qantas Frequent Flyer program.	$146	see more details	Bonus 15,000 Qantas Frequent Flyer points if apply and make an eligible purchase before 10 September.	Like this card? Go to site
ANZ Frequent Flyer (BT Offer)	Points are automatically credited to the Qantas Frequent Flyer program.	$95	see more details	2.9% p.a. on balances transferred for the first 12 months if apply by 25 September 2010.	Like this card? Go to site
Citibank Citi Select	Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.	$700	see more details	The first card in Australia to launch on the Visa Signature program.	Like this card? Go to site

	Interest rate	Annual fees	Rewards description		Key features
NAB Qantas Gold Card	19.99%	$146	Points are automatically credited to the Qantas Frequent Flyer program.	see more details	Bonus 15,000 Qantas Frequent Flyer points if apply and make an eligible purchase before 10 September.	Like this card? Go to site
ANZ Gold	18.99%	$87	Gold card privileges but no rewards points.	see more details	Extended Warranty Insurance for up to 12 months, in addition to the Australian manufacturer's warranty	Like this card? Go to site
Suncorp Bank Clear Options Gold (Qantas Rewards)	19.75%	$118	Points are automatically credited to the Qantas Frequent Flyer program.	see more details	1.9% p.a. for 12 months on balances transferred	Like this card? Go to site
Bank of Queensland Gold	20.24%	$120	Q Rewards Program. Redeem your points for travel, gift cards, retail rewards and shopping gift cards.	see more details	Q Rewards program - points allow you to fly any airline any time	Like this card? Go to site

	Interest rate	Annual fees	Rewards description		Key features
Bank of Queensland Platinum	20.24%	$199	Q Rewards Program. Redeem your points for travel, gift cards, retail rewards and shopping gift cards.	see more details	3.9% p.a. for the life of the balances transferred	Like this card? Go to site
Suncorp Bank Clear Options Platinum (Qantas Rewards)	19.99%	$224	Points are automatically credited to the Qantas Frequent Flyer program.	see more details	3.9% p.a. for the life of the balances transferred	Like this card? Go to site
NAB Qantas Platinum Card	19.99%	$290	Points are automatically credited to the Qantas Frequent Flyer program.	see more details	Bonus 20,000 Qantas Frequent Flyer points. Apply and make your first eligible purchase by 10 September, 2010	Like this card? Go to site
Virgin Money Virgin Flyer Credit Card	20.99%	$99	Points are credited to the Velocity program. Also, buy a seat on Virgin Blue and get a second seat for free up to 4 sectors a year.	see more details	Buy a seat on Virgin Blue and get a second seat for FREE. Sign up and use your card before 15 Oct and get an additional free flight.	Like this card? Go to site
Citibank Citi Select	20.74%	$700	Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.	see more details	The first card in Australia to launch on the Visa Signature program.	Like this card? Go to site

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1.
11.49%
Citibank
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2.
11.99%
Jetstar
– Jetstar Mastercard
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3.
12.24%
Suncorp Bank
– Clear Options Standard
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4.
12.49%
St George
– Vertigo
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5.
12.99%
Aussie
– Aussie MasterCard (Offer 3)

1.
10.49%
mecu
– Low Rate
1.
10.49%
Greater Building Society
– Greater Visa
3.
10.75%
BankWest
– Lite
4.
10.99%
Community First
– McGrath Pink Visa
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5.
11.49%
Citibank
– Clear Platinum

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1.
12.49%
St George
– Vertigo
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2.
13.24%
NAB
– Low Rate
2.
13.24%
Commonwealth Bank
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2.
13.24%
ANZ
– Low Rate
2.
13.24%
Westpac
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Savings & Loans credit cards

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My Savings and Loans Visa Care credit card donates to charity rather than a reward points scheme.

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1. Bendigo Bank credit cards
– 149 reviews

7.9
2. ME Bank credit cards
– 71 reviews

7.6
3. Bank of Queensland credit cards
– 79 reviews

7.0
4. BankWest credit cards
– 243 reviews

6.9
5. BankSA credit cards
– 81 reviews

6.8

Most recent credit card reviews

ANZ credit cards

	A Mozo reviewer from New South Wales, an ANZ credit card customer.		4Overall Rating
	Very inflexible when trying to set up Platinum card. Was told I was not eligible do to income (retired). Was able to list assets of approx. $4 million, including close to $1 million super untouched. I would have good credit rating, one mortgage($90,000 owing on property valued at $500,000) on investment property. Husband still working part-time earning approx. $90,000 pa. All of this was listed on initial application. Given Frequent Flyer Gold with credit limit of only $5,000. Not sufficient for 2 people so charged when limit exceeded.Twelve months on offered card originally applied for! Reviewed about 2 hours ago		4Pricing 7Product Features 6Customer Service 7Convenience 4Trust

NAB credit cards

	A Mozo reviewer from New South Wales, a NAB credit card customer.		5Overall Rating
	The bank is always shoving an increase in the limit in your face, to much self restraint needed, they should be looking at your personal situation more closely. One good thing though the drop in cost of a late payment fee, was $25 now only $5, a much more acceptable amount to cough up, for an oversight. Reviewed about 2 hours ago		3Pricing 4Product Features 5Customer Service 3Convenience 5Trust

Westpac credit cards

	A Mozo reviewer from Queensland, a Westpac credit card customer.		7Overall Rating
	i like this product because of the low interest rate. Reviewed about 2 hours ago		8Pricing 6Product Features 9Customer Service 7Convenience 9Trust

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Compare credit cards to avoid high fees, says ABATuesday 31 August 2010: Australia's banks are beginning to cut back on various account fees as consumer anger grows, it has been suggested.

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Online shoppers get chance to buy 'bargain batts'Thursday 26 August 2010: Australian online shoppers have been offered the chance to make huge savings on insulation batts.

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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

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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.

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This is how the Mozo community has rated NAB for credit cards.

Some recent reviews of NAB credit cards

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This is how the Mozo community has rated Bank of Queensland for credit cards.

Some recent reviews of Bank of Queensland credit cards

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This is how the Mozo community has rated Suncorp Bank for credit cards.

Emirates
Citi Platinum