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Compare credit cards with Mozo to find the best card for your needs. Skip straight to our popular credit cards in the table below, or go the whole hog and compare all credit cards now. Read more...

Whether you’re looking for low rate credit cards, 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.

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.

Comparing credit cards

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.

Once you have shortlisted the best credit cards for your needs, you can compare your chosen cards side-by-side to pick a winner.

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

Those who spend big on their credit card and pay no interest will get the most benefit out of credit card rewards programs.

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.

Popular credit cards

see rewards cards

top picks
low rate
introductory purchase rate
0% balance transfer
long balance transfer
low annual fee

	Interest rate	Annual fee	Balance transfer rate	Key features
NAB Low Rate	12.24%	$49.00	4.99% for 6 months and then 20.74%	0% p.a. on purchases for up to 6 months	Go to site
ANZ Low Rate	12.49%	$58.00	0.00% for 6 months	Design your card with an image of your choice	Go to site
Citibank Clear Platinum	11.49%	$85.00	0.99% for 6 months	Low interest rate, balance transfer offer, plus your own Personal Concierge	Go to site
Woolworths Everyday Money Credit Card	18.74%	$49.00	5.99% for 6 months	Bonus $50 shopping card if you apply by 31 March 2010. Plus no matter where you shop, you'll earn up to 3 reward points for every dollar you spend.	Go to site
Aussie Aussie MasterCard	12.29%	$49.00	2.99% for 6 months	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site

	Interest rate	Balance transfer rate	Annual fee	Key features
Citibank Clear Platinum	11.49%	0.99% for 6 months	$85.00	Low interest rate, balance transfer offer, plus your own Personal Concierge	Go to site
NAB Low Rate	12.24%	4.99% for 6 months and then 20.74%	$49.00	0% p.a. on purchases for up to 6 months	Go to site
Aussie Aussie MasterCard	12.29%	2.99% for 6 months	$49.00	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site
ANZ Low Rate	12.49%	0.00% for 6 months	$58.00	Design your card with an image of your choice	Go to site

	Initial interest rate	Interest rate	Key features
NAB Low Rate	0.00% for 6 months	12.24%	0% p.a. on purchases for up to 6 months	Go to site
Aussie Aussie MasterCard	2.99% for 6 months	12.29%	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site

	Balance transfer rate	Interest rate	Annual fee	Key features
ANZ Low Rate	0.00% for 6 months	12.49%	$58.00	Design your card with an image of your choice	Go to site
Citibank Clear Platinum	0.99% for 6 months	11.49%	$85.00	Introductory offer 0.99% p.a. on balance transfers for the first 6 months	Go to site
Suncorp Clear Options Gold (Standard rewards)	1.90% for 9 months and then 19.75%	19.25%	$99.00	1.9% p.a. for 9 months on balance transfers, plus complimentary Rewards Program	Go to site
Aussie Aussie MasterCard	2.99% for 6 months	12.29%	$49.00	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site

	Balance transfer rate	Interest rate	Annual fee	Key features
Citibank Platinum Card	4.90% until repaid	20.49%	$250.00	Special Internet Offer - Receive 20,000 points and fly any airline, anytime	Go to site
Aussie Aussie MasterCard	2.99% for 6 months	12.29%	$49.00	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site
Citibank Gold Card	1.90% for 9 months and then 20.99%	20.49%	$119.00	Apply now and get 1.9% p.a. on Balance Transfers for 9 months	Go to site
NAB Low Rate	4.99% for 6 months and then 20.74%	12.24%	$49.00	Plus 0% p.a. on purchases for up to 6 months	Go to site
Citibank BP	2.90% for 12 months	20.39%	$79.00	5% back on the first $600 you spend per month at BP	Go to site

	Annual fee	Interest rate	Interest free days	Key features
NAB Mini	$24.00	19.24%	55	Mini card and companion card. Up to $120 cash back to your account every year	Go to site
HSBC HSBC	$0.00	16.99%	55	$0 annual fee for the life of the card. $50 back on your card when you make your first spend.	Go to site
ANZ First	$30.00	18.24%	44	$0 Annual Account Fee for the first 12 months	Go to site
Woolworths Everyday Money Credit Card	$49.00	18.74%	55	$0 annual fee in the first year. Plus bonus $50 shopping card if you apply by 31 March 2010.	Go to site
Aussie Aussie MasterCard	$49.00	12.29%	55	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site

see low rate cards

top picks
airline points
instant discounts
cashback
gold
platinum

	Rewards type	Interest free days	Annual fee	Key features
Citibank Platinum Card	Velocity Rewards, Other airline points, Travel, Merchandise, Cashback, Charity donations	55	$250.00	Special Internet Offer - Receive 20,000 points and fly any airline, anytime	Go to site
Woolworths Everyday Money Credit Card	Merchandise	55	$49.00	Bonus $50 shopping card if you apply by 31 March 2010. Plus no matter where you shop, you'll earn up to 3 reward points for every dollar you spend.	Go to site
NAB Velocity Card	Velocity Points	44	$65.00	Earn Velocity Points on your everyday spend. Velocity is the loyalty program partnered by Virgin Blue Airlines.	Go to site
Commonwealth Bank Awards Card	Air New Zealand Airpoints™, Velocity Rewards or Qantas Frequent Flyer, Travel, Merchandise, Cashback	55	$89.00	Qantas Frequent Flyer, Velocity Rewards (for Virgin Blue), Air New Zealand Airpoints transfers	Go to site
Citibank Emirates Citi Platinum	Emirates points and Virgin Blue Travel, affiliated hotels, car rentals and luxury merchandise from Emirates High Street	55	$199.00	1.5 Skywards Miles per $1 spent.	Go to site

	Points per dollar	Points to frequent flyer ratio	Points lifetime	Key features
Citibank Platinum Card	1 per $ to a max 120,000		never expire	Special Internet Offer - Receive 20,000 points and fly any airline, anytime	Go to site
Commonwealth Bank Awards Card	1.5 points per dollar using American Express, 1 point per dolla	2:1 Qantas Frequent Flyer point; 2:1 Velocity Points; 160:1 Airpoint DollarTM.	never expire	Qantas Frequent Flyer, Velocity Rewards (for Virgin Blue), Air New Zealand Airpoints transfers	Go to site
NAB Velocity Card	0.75 American Express, 0.5 Visa	Airline points earned automatically	never expire	Earn Velocity Points on your everyday spend. Velocity is the loyalty program partnered by Virgin Blue Airlines.	Go to site
Citibank Emirates Citi Platinum	1.5	1.5 Citi Mile=1.5 Skywards Mile	never expire	1.5 Skywards Miles per $1 spent.	Go to site

	Rewards type	Annual fee	Interest rate	Key features
St George Vertigo	Instant discounts	$55.00	11.74%	Instant discounts and added extras with St.George Instant Benefits	Go to site
Citibank Clear Card	Instant discounts - discounts and offers from 26,000 merchants around the world.	$65.00	15.49%	Instant discounts - discounts and offers from 26,000 merchants around the world.	Go to site
Citibank BP	Petrol discounts, Cashback - 5% off up to $600 spent at BP each month, 0.5% cash back on other purchases up to $60,000 spend pa	$79.00	20.39%	5% off petrol at BP, plus 0.5% off all other purchases. Cash back rebates are automatically credited to your account.	Go to site
HSBC HSBC		$0.00	16.99%	Home & Away Privilege Program - instant discounts on shopping, travel, accomodation and more	Go to site

	Rewards type	Annual fee	Interest rate	Key features
HSBC HSBC		$0.00	16.99%	$0 annual fee for the life of the card. $50 cashback when you spend $500 or more for each of the first 3 months.	Go to site
Citibank BP	Petrol discounts, Cashback - 5% off up to $600 spent at BP each month, 0.5% cash back on other purchases up to $60,000 spend pa	$79.00	20.39%	5% back on the first $600 you spend per month at BP	Go to site
Commonwealth Bank Awards Card	Air New Zealand Airpoints™, Velocity Rewards or Qantas Frequent Flyer, Travel, Merchandise, Cashback	$89.00	19.74%	You can exchange your Commonwealth Awards points for funds to repay your credit card	Go to site
ANZ Balance	Merchandise, Cashbacks	$57.00	13.49%	Choose how you would like to be rewarded - Cashback, Shopping Vouchers or Gift Cards	Go to site

	Interest rate	Annual fee	Rewards type	Key features
Citibank Gold Card	20.49%	$119.00	Velocity Rewards, Other airline points, Travel, Merchandise, Cashback, Charity donations	Apply now and get 1.9% p.a. on Balance Transfers for 9 months	Go to site
ANZ Rewards Gold	18.74%	$57.00	Velocity points, Other airline points, Travel, Merchandise, Charity donations	ANZ Falcon™ - provides advanced around the clock monitoring for suspicious transactions.	Go to site
BankWest Zero Gold	15.99%	$0.00	Instant discounts	Zero annual fee Gold credit card	Go to site
BankWest Lite Gold	9.99%	$89.00	Instant discounts	9.99% p.a. on purchases. Australia's lowest MasterCard purchase rate	Go to site
HSBC Gold	18.99%	$89.00	Travel, Merchandise, Cashback, Charity donations	$0 annual fee in the first year. Complimentary travel insurance.	Go to site

	Interest rate	Annual fee	Rewards type	Key features
Citibank Platinum Card	20.49%	$250.00	Velocity Rewards, Other airline points, Travel, Merchandise, Cashback, Charity donations	Special Internet Offer - Receive 20,000 points and fly any airline, anytime	Go to site
Commonwealth Bank Platinum Awards Card	19.74%	$280.00	Air New Zealand Airpoints™, Velocity Rewards or Qantas Frequent Flyer, Travel, Merchandise, Cashback	Complimentary international travel insurance for return trips of up to 12 months	Go to site
St George Platinum	14.99%	$89.00	Instant discounts	St George Platinum is a low interest credit card delivering Platinum benefits	Go to site
BankWest Zero Platinum	15.99%	$0.00	Instant discounts	Zero annual fee Platinum credit card	Go to site

Compare all credit cards

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Compare all credit cards

: Lowest rate credit cards; - based on ongoing interest rate

ready to go
whole market
big banks

Go to site
1.
9.99%
BankWest
– Lite
Go to site
2.
11.74%
St George
– Vertigo
Go to site
3.
12.24%
NAB
– Low Rate
Go to site
4.
12.29%
Aussie
– Aussie MasterCard
Go to site
5.
12.49%
ANZ
– Low Rate

1.
9.74%
mecu
– Low Rate
1.
9.74%
Greater Building Society
– Greater Visa
Go to site
3.
9.99%
BankWest
– Lite
4.
10.50%
Community First
– McGrath Pink Visa
5.
10.99%
ME Bank
– MasterCard

Go to site
1.
11.74%
St George
– Vertigo
Go to site
2.
12.24%
NAB
– Low Rate
Go to site
3.
12.49%
ANZ
– Low Rate
3.
12.49%
Commonwealth Bank
– Low Rate Card
3.
12.49%
Westpac
– Low Rate

Special offers

Featured credit card review

Savings & Loans credit cards

Overall rating: 8 / 10

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

– Alexei from South Australia

Search our credit card reviews
Review your bank

: Best credit card providers; - as rated by the Mozo community

Rating
out of 10
1. Bendigo Bank credit cards
– 111 reviews

7.9
2. ME Bank credit cards
– 64 reviews

7.6
3. Bank of Queensland credit cards
– 53 reviews

7.5
4. BankSA credit cards
– 59 reviews

7.1
5. BankWest credit cards
– 186 reviews

6.9

Most recent credit card reviews

Westpac credit cards

Overall Rating
6
Pricing
1
Product Features
6
Customer Service
8
Convenience
9
Trust
8

Product is good for the frequent flyer points but the interest rate is very high. – Denise from New South Wales, a Westpac credit card customer. Reviewed 6 days ago

Westpac credit cards

Overall Rating
6
Pricing
5
Product Features
3
Customer Service
3
Convenience
5
Trust
6

It's OK but too big to know customers individually. – pamela from Victoria, a Westpac credit card customer. Reviewed 27 days ago

St George credit cards

Overall Rating
10
Pricing
10
Product Features
10
Customer Service
10
Convenience
10
Trust
10

I like that they have good interest rates. – Justine from Victoria, a St George credit card customer. Reviewed 27 days ago

See all credit cards reviews

: Credit card articles; – all the latest credit card info

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Westpac credit cards

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