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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 196 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 Credit Card

  • 0% p.a. on purchases for 15 months
  • Up to 55 days interest free on purchases
  • Low annual card fee $59
Check it out
    • 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$0 in the first 1 year

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    More info
    • ANZ Low Rate
      • 0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • 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

    • annual fee

      $58

    • Go to site
    More info
    • NAB Low Rate Card
      • 0% p.a. on purchases for 15 months
      • Up to 55 days interest free on purchases
      • Low annual card fee $59
    • purchase rate

      0% for 15 months then 13.99%

    • balance transfer rate

      4.99% for 6 months

    • annual fee

      $59

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    More info
    • ANZ Low Rate Platinum
      • 0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • Ongoing interest rate of 13.49% p.a. on purchases
      • Enjoy complimentary travel and medical insurance
    • purchase rate

      13.49%

    • balance transfer rate

      0% for 16 months

    • annual fee

      $99

    • Go to site
    More info
    • Virgin Money Low Rate Card
      • 0% p.a. on balance transfers for 6 months
      • Up to 44 interest free days on purchases
      • Visa payWave available on purchases under $100
    • purchase rate

      10.99%

    • balance transfer rate

      0% for 6 months and then 21.69%

    • annual fee

      $99

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    More info
    • HSBC Platinum Credit Card
      • $0 annual fee for life
      • Enjoy 10,000 rewards points offer. Conditions apply
      • 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

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    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

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    More info
    • Westpac Low Rate (Online Only Offer)
      • 0% p.a. rate on balance transfers for 14 months when requested at card application
      • Low variable purchase rate, currently 12.49% p.a
      • Online offer only. Offer applies to applications approved by 5 January 2015
    • purchase rate

      12.49%

    • balance transfer rate

      0% for 14 months

    • annual fee

      $45

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    More info
    • NAB Premium Card
      • 0% p.a. on balance transfers for 15 months. Conditions apply
      • Complimentary insurances including overseas travel insurance
      • Up to 44 days interest free on purchases
    • purchase rate

      19.74%

    • balance transfer rate

      0% for 15 months

    • annual fee

      $90

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    More info
    • Coles No Annual Fee MasterCard
      • 0% Interest on purchases for 6 months. New customers approved by 31 December 2014
      • Earn 1 flybuys point per $2 spent on eligible purchases
      • No annual fee
    • purchase rate

      0% for 6 months then 17.99%

    • balance transfer rate

    • annual fee

      $0

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    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

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    More info
    • ADCU Low Rate Visa Credit Card
      • 0% p.a. on balance transfers for 12 months
      • 10.99% p.a. ongoing purchase rate
      • 55 days interest free
    • purchase rate

      10.99%

    • balance transfer rate

      0% for 12 months

    • annual fee

      $49

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    More info
    • ANZ Platinum
      • 0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • No annual fee in the first year
      • Discounted interest rate for eligible travel purchases
    • purchase rate

      19.74%

    • balance transfer rate

      0% for 16 months

    • annual fee

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

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    More info
    • ANZ First
      • 0% p.a. on balance transfers for the first 16 months, apply by 13 January 2015
      • Enjoy the convenience of Visa payWave
      • Up to 44 days interest free on purchases
    • purchase rate

      19.74%

    • balance transfer rate

      0% for 16 months

    • annual fee

      $30

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    More info
    • Bankwest More MasterCard
      • 0% p.a on balance transfers for 16 months
      • Receive up to 28,000 introductory bonus rewards points
      • Up to 55 interest free days on purchases
    • purchase rate

      19.49%

    • balance transfer rate

      0% for 16 months

    • annual fee

      $70

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    More info
    • Bankwest Breeze
      • 0% p.a. on balance transfers for 4 months
      • Low ongoing purchase rate of 12.24% p.a
      • Up to 3 additional cardholders at no additional cost
    • purchase rate

      12.24%

    • balance transfer rate

      0% for 4 months

    • annual fee

      $59

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    More info
    • Bankwest Zero
      • No annual fee, ever
      • 2.99% p.a. on balance transfers for 9 months
      • Up to 55 days interest free on purchases
    • purchase rate

      17.99%

    • balance transfer rate

      2.99% for 9 months

    • annual fee

      $0

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    More info
    • Bankwest Qantas Gold MasterCard
      • 0% p.a on balance transfers for 12 months
      • Receive up to 4,000 introductory bonus Qantas Points
      • Complimentary international travel insurance
    • purchase rate

      19.99%

    • balance transfer rate

      0% for 12 months

    • annual fee

      $150

    • Go to site
    More info
    • Bankwest Qantas MasterCard
      • 0% p.a on balance transfers for 12 months
      • Receive up to 2,000 introductory bonus Qantas Points
      • Up to 55 interest free days on purchases
    • purchase rate

      19.99%

    • balance transfer rate

      0% for 12 months

    • annual fee

      $100

    • 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
    • St.George Vertigo Platinum
      • 0% p.a. on purchases for the first 12 months
      • Annual fee $99
      • Visa payWave for purchases under $100
    • purchase rate

      0% for 12 months then 12.74%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $99

    • Go to site
    More info
    • Bank of Melbourne Vertigo
      • 0% p.a. on purchases for the first 12 months
      • Annual fee $55
      • Up to 55 interest free days on purchases
    • purchase rate

      0% for 12 months then 13.24%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $55

    • Go to site
    More info
    • BankSA Vertigo Platinum
      • 0% p.a. on purchases for the first 12 months
      • Annual fee $99
      • Visa payWave for purchases under $100
    • purchase rate

      0% for 12 months then 12.74%

    • balance transfer rate

      3.99% for 6 months

    • annual fee

      $99

    • 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

        ANZ respond efficiently

        1. Overall customer rating
        2. (Reviewed 1 minute ago)

        ANZ respond efficiently, on time and effectively when a query is raised. Have been with them a long time I cannot fault them on any level. I found ANZ a good partner to be with. Also excellent service from overseas countries.  Full review 

        ANZ respond efficiently, on time and effectively when a query is raised. Have been with them a long time I cannot fault them on any level. I found ANZ a good partner to be with. Also excellent service from overseas countries.


          1. Price
          1. Features
          1. Customer service
          1. Convenience
          1. Trust
        Less
        ANZ Frequent Flyer Platinum credit card review by Maria from New South Wales

        Was this review helpful? Yes flag

      • Heritage Bank

        Heritage Bank credit card review

        Awesome bank

        1. Overall customer rating
        2. (Reviewed 11 minutes ago)

        When we needed an extra amount of money to purchase our property, Heritage was the only bank that came to our rescue. It was so easy for us as we had the money in our account within the hour of asking. Awesome.  Full review 

        When we needed an extra amount of money to purchase our property, Heritage was the only bank that came to our rescue. It was so easy for us as we had the money in our account within the hour of asking. Awesome.


          1. Price
          1. Features
          1. Customer service
          1. Convenience
          1. Trust
        Less
        Heritage Bank credit card review by Wendy from Queensland

        Was this review helpful? Yes flag

      • ANZ

        ANZ credit card review

        Excellent

        1. Overall customer rating
        2. (Reviewed 11 minutes ago)

        We have been customers for 12 years and have had a very trustworthy relationship with the bank. Our branch has had two terrific managers in our time and we get honest and straight answers to our questions.  Full review 

        We have been customers for 12 years and have had a very trustworthy relationship with the bank. Our branch has had two terrific managers in our time and we get honest and straight answers to our questions.


          1. Price
          1. Features
          1. Customer service
          1. Convenience
          1. Trust
        Less
        ANZ credit card review by Vibeke from Queensland

        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.
  • Community

    Keep up to date with the latest news or get your credit card questions answered by the money mavens on Mozo Answers.