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Credit cards

Everything you need to compare credit cards is right here on Mozo. We compare the market to help you find the best credit card deals in Australia.

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  • We compare 195 credit cards from 58 banks

  • You could save over $2000 by switching credit cards**

  • We update credit card information on our site daily

Today's sponsored deal

NAB

NAB Low Rate Card

  • 0% p.a. on purchases for the first 12 months
  • 0% p.a on balance transfers for 12 months
  • Apply by 19 April 2015
Check it out
    • St.George Vertigo
      • 0% p.a. on balance transfers for the first 18 months
      • 0% p.a. on purchases for the first 3 months
      • Up to 55 interest free days on purchases
    • purchase rate

      0% for 3 months then 13.24%

    • balance transfer rate

      0% for 18 months and then 21.49%

    • annual fee

      $55

    • Go to site
    More info
    • NAB Low Rate Card
      • 0% p.a. on purchases for the first 12 months
      • 0% p.a on balance transfers for 12 months
      • Apply by 19 April 2015
    • purchase rate

      0% for 12 months then 13.99%

    • balance transfer rate

      0% for 12 months

    • annual fee

      $59

    • Go to site
    More info
    • American Express Low Rate Credit Card
      • 0.99% p.a. on balance transfers for the first 6 months
      • Low annual fee $0
      • You can add up to 4 supplementary cards with no annual fees
    • purchase rate

      11.99%

    • balance transfer rate

      0.99% for 6 months (1.00% handling fee)

    • annual fee

      $0

    • Go to site
    More info
    • bankmecu Platinum Rewards Visa Balance Transfer Offer
      • 0% p.a on balance transfers for 6 months
      • Complimentary overseas travel insurance
      • Access to exclusive VISA services
    • purchase rate

      18.84%

    • balance transfer rate

      0% for 6 months

    • annual fee

      $189

    • Go to site
    More info
    • Bankwest Qantas MasterCard
      • Receive up to 20,000 introductory bonus Qantas Points
      • Up to 0.5 Qantas Points for every $1 spent on eligible purchases
      • Up to 55 interest free days on purchases
    • purchase rate

      20.49%

    • balance transfer rate

    • annual fee

      $100

    • Go to site
    More info
    • Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer
      • 0% p.a. on balance transfers for 16 months
      • Earn 10,000 bonus Velocity Points. Conditions apply
      • Exclusive reduced flights offer when you and a friend travel together. Conditions apply
    • purchase rate

      20.74%

    • balance transfer rate

      0% for 16 months and then 20.99%

    • annual fee

      $129

    • Go to site
    More info
    • ANZ Low Rate
      • 0% p.a. on balance transfers for the first 16 months (2% balance transfer fee applies), apply by 5 May 2015
      • Low ongoing interest rate of 13.49% p.a. on purchases
      • Up to 55 days interest free on purchases
    • purchase rate

      13.49%

    • balance transfer rate

      0% for 16 months (2.00% handling fee)

    • annual fee

      $58

    • Go to site
    More info
    • Westpac Low Rate - Online Only Offer
      • 0% p.a. rate on balance transfers for 18 months when requested at card application
      • 0% p.a introductory purchase rate for the first 3 months
      • Online only offer for applications approved by 19 April 2015
    • purchase rate

      0% for 3 months then 13.49%

    • balance transfer rate

      0% for 18 months and then 21.49% (2.00% handling fee)

    • annual fee

      $59

    • Go to site
    More info
    • Bankwest More MasterCard
      • 0% p.a on balance transfers for 18 months
      • Receive up to 28,000 introductory bonus rewards points
      • Up to 55 interest free days on purchases
    • purchase rate

      19.99%

    • balance transfer rate

      0% for 18 months

    • annual fee

      $70

    • Go to site
    More info
    • HSBC Platinum Credit Card
      • $0 annual fee for life
      • Earn 1 Rewards Point on every dollar you spend on eligible purchases
      • 0% p.a. on balance transfers for 8 months. Conditions apply
    • purchase rate

      19.99%

    • balance transfer rate

      0% for 8 months and then 21.99%

    • annual fee

      $0

    • Go to site
    More info
    • Coles No Annual Fee MasterCard
      • 1 flybuys point per $2 you spend everywhere.
      • Receive free delivery each time you spend $100 or more with a Coles MasterCard at colesonline.com.au
      • No annual fee. Ever.
    • purchase rate

      19.99%

    • balance transfer rate

      0% for 6 months

    • annual fee

      $0

    • Go to site
    More info
    • Virgin Money No Annual Fee Card
      • 0% p.a. on balance transfers for 14 months
      • No annual fee for the life of the card
      • Up to 44 interest free days on purchases
    • purchase rate

      18.99%

    • balance transfer rate

      0% for 14 months and then 20.99%

    • annual fee

      $0

    • Go to site
    More info
    • American Express Velocity Escape Card
      • 0.99% p.a. on balance transfers for the first 6 months
      • No annual fee
      • Earn up to 7,500 bonus Velocity Points, limited time only
    • purchase rate

      20.74%

    • balance transfer rate

      0.99% for 6 months (1.00% handling fee)

    • annual fee

      $0

    • Go to site
    More info
    • ANZ Platinum
      • 0% p.a. on balance transfers for the first 16 months (2% balance transfer fee applies), apply by 5 May 2015
      • No annual fee in the first year
      • Enjoy complimentary overseas travel and medical insurance
    • purchase rate

      19.74%

    • balance transfer rate

      0% for 16 months (2.00% handling fee)

    • annual fee

      $87 $0 when you spend over $20,000 p.a, $0 in the first 1 year

    • Go to site
    More info
    • 28 Degrees Platinum MasterCard
      • No international transaction fees on purchases and no currency conversion fees
      • $0 annual fee
      • 24/7 Worldwide Concierge Service
    • purchase rate

      20.99%

    • balance transfer rate

      4.99% for 6 months

    • annual fee

      $0

    • Go to site
    More info
    • ANZ Low Rate Platinum
      • 0% p.a. on balance transfers for the first 16 months (2% balance transfer fee applies), apply by 5 May 2015
      • Ongoing interest rate of 13.49% p.a. on purchases
      • Enjoy complimentary overseas travel and medical insurance
    • purchase rate

      13.49%

    • balance transfer rate

      0% for 16 months (2.00% handling fee)

    • annual fee

      $99

    • Go to site
    More info
    • American Express Platinum Edge Credit Card
      • No annual fee for the first year, $195 thereafter
      • Complimentary domestic economy return flight
      • 3 bonus points per dollar spent on eligible purchases
    • purchase rate

      20.74%

    • balance transfer rate

      0.99% for 6 months (1.00% handling fee)

    • annual fee

      $195

    • Go to site
    More info
    • Virgin Money Low Rate Card
      • 0% p.a. on balance transfers for 6 months
      • A low variable 10.99% p.a. purchase rate
      • Pay only half the annual fee in your first year
    • purchase rate

      10.99%

    • balance transfer rate

      0% for 6 months and then 21.69%

    • annual fee

      $99 $49 in the first 1 year

    • Go to site
    More info
    • NAB Premium Card
      • 0% p.a. on balance transfers for 12 months
      • 0% p.a on purchases for the first 12 months
      • Complimentary insurances including overseas travel insurance
    • purchase rate

      0% for 12 months then 19.74%

    • balance transfer rate

      0% for 12 months

    • annual fee

      $90

    • Go to site
    More info
    • BankSA Vertigo
      • 0% p.a. on balance transfers for the first 18 months
      • 0% p.a. on purchases for the first 3 months
      • Up to 55 interest free days on purchases
    • purchase rate

      0% for 3 months then 13.24%

    • balance transfer rate

      0% for 18 months and then 21.49%

    • annual fee

      $55

    • Go to site
    More info
    • HSBC Credit Card
      • $0 annual fee for the life of the card
      • 0% p.a. on balance transfers for 6 months
      • Up to 55 days interest free on purchases
    • purchase rate

      17.99%

    • balance transfer rate

      0% for 6 months and then 21.99%

    • annual fee

      $0

    • Go to site
    More info

** Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

  • Credit card reviews

      • ANZ

        ANZ credit card review

        Good security protection

        1. Overall customer rating
        2. (Reviewed 3 minutes ago)

        I've been impressed with the bank security warnings on "unusual" transactions and find it very re-assuring.  Full review 

        I've been impressed with the bank security warnings on "unusual" transactions and find it very re-assuring.


          1. Price
          1. Features
          1. Customer service
          1. Convenience
          1. Trust
        Less
        ANZ credit card review by Brian from Western Australia

        Was this review helpful? Yes flag

      • Commonwealth Bank

        Commonwealth Bank credit card review

        My credit card is accepted anywhere

        1. Overall customer rating
        2. (Reviewed 4 minutes ago)

        My credit card with all its features e.g, blocking a lost card, using the phone app to withdraw money from atm's, help is only a phone call away.  Full review 

        My credit card with all its features e.g, blocking a lost card, using the phone app to withdraw money from atm's, help is only a phone call away.


          1. Price
          1. Features
          1. Customer service
          1. Convenience
          1. Trust
        Less
        Commonwealth Bank credit card review by Maureen from Western Australia

        Was this review helpful? Yes flag

      • HSBC

        HSBC credit card review

        Terrible Online Banking

        1. Overall customer rating
        2. (Reviewed about 3 hours ago)

        Online banking is impossible to get onto. Several passwords and numbers are required. And then they want the 3rd 5th and 6th letters of subsequent passwords, all just to login and check your account. I'm all for security, but it is ridiculous. The...  Full review 

        Online banking is impossible to get onto. Several passwords and numbers are required. And then they want the 3rd 5th and 6th letters of subsequent passwords, all just to login and check your account. I'm all for security, but it is ridiculous. They have some extra device you have to carry around with you so you can login, like an extra small phone you have to login to first, to then login in on your computer or phone. Trying to update my address they tell me they need all sorts of personal information for their records (not for verifying, just to have), if they already had that info I would have used it for verification but it felt like they just wanted more of my life details.


          1. Price
          1. Features
          1. Customer service
          1. Convenience
          1. Trust
        Less
        HSBC Credit Card credit card review by Vert from South Australia

        Was this review helpful? Yes flag

    • Find and compare credit cards in Australia

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

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

      If you have a credit card already you can also run it through our free credit card Switch & Save Calculator. It will tell you the best cards that will save you the most in interest and fees by switching.

    • The more comprehensive comparison site

      Our credit card comparison tools let you filter and compare providers online according to the features you want and you can also read reviews from real customers around Australia to get the inside story on everything from hidden fees to customer service. Once you find the best credit card for you, our quick and convinient online credit card application makes getting your new card a breeze.

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

    • Low interest cards

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

      The best balance transfer credit cards can really help you to pay off your debt faster, but be sure to check the interest rate that applies once the balance transfer period expires before your application.

    • No fee cards

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

      Ignore 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 contrast rewards cards in Australia according to the type of rewards program you want, from frequent flyer points to cashback to general travel, entertainment and shopping rewards - check out our rewards revealer.

    • Credit card calculator

      Before you decide to increase your credit limit on your card or apply for 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 comparison page.

  • Credit card calculators

    Crunch numbers with our handy calculators.
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