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Tossing up between credit cards is like a juggling act of no fees, low rates and interest free periods – not to mention balance transfers, rewards cards, or a gold or platinum number.
So check out our Credit Card Top 5 to see who Australians are rating, or see the list of all credit cards below.
Pick a provider from the list below to get the inside story from real customers. You can order them by name, overall rating or by the features that matter to you, by clicking on the column headers.
| Institution | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| EECU | 10.0 (1 REVIEW) | 5.0 | 5.0 | 10.0 | 10.0 | 10.0 |
| SERVICE ONE Members Banking | 10.0 (1 REVIEW) | 10.0 | 10.0 | 10.0 | 10.0 | 10.0 |
| Police Credit Union SA NT | 10.0 (1 REVIEW) | 8.0 | 10.0 | 10.0 | 10.0 | 10.0 |
| RACQ | 10.0 (1 REVIEW) | 5.0 | 10.0 | 10.0 | 6.0 | 10.0 |
| Fire Brigades Employees Credit Union | 10.0 (1 REVIEW) | 10.0 | 10.0 | 10.0 | 4.0 | 10.0 |
| QT Mutual Bank | 10.0 (1 REVIEW) | 6.0 | 6.0 | 10.0 | 10.0 | 10.0 |
| IMB | 10.0 (1 REVIEW) | 5.0 | 5.0 | 10.0 | 10.0 | 10.0 |
| Queensland Country Credit Union | 9.7 (3 REVIEWS) | 5.33 | 8.0 | 9.33 | 9.67 | 10.0 |
| Victoria Teachers Credit Union | 9.7 (3 REVIEWS) | 8.0 | 7.0 | 9.67 | 9.0 | 10.0 |
| BCU | 9.5 (2 REVIEWS) | 9.5 | 9.5 | 9.5 | 10.0 | 10.0 |
| SCU | 9.5 (2 REVIEWS) | 9.0 | 5.0 | 10.0 | 9.0 | 10.0 |
| Big Sky | 9.5 (2 REVIEWS) | 9.5 | 5.5 | 8.0 | 9.5 | 9.5 |
| ING DIRECT | 9.2 (4 REVIEWS) | 9.25 | 7.75 | 9.0 | 8.0 | 8.25 |
| First Choice Credit Union | 9.0 (1 REVIEW) | 10.0 | 10.0 | 8.0 | 10.0 | 9.0 |
| Maritime, Mining & Power Credit Union | 9.0 (1 REVIEW) | 10.0 | 8.0 | 9.0 | 9.0 | 10.0 |
| Credit Union SA | 9.0 (2 REVIEWS) | 9.0 | 8.0 | 10.0 | 7.5 | 9.5 |
| Hume Building Society | 9.0 (2 REVIEWS) | 10.0 | 6.0 | 8.5 | 10.0 | 10.0 |
| Illawarra Credit Union | 9.0 (1 REVIEW) | 9.0 | 8.0 | 10.0 | 8.0 | 10.0 |
| Country First Credit Union | 9.0 (1 REVIEW) | 9.0 | 9.0 | 10.0 | 8.0 | 9.0 |
| Police & Nurses Mutual Banking | 8.9 (8 REVIEWS) | 8.88 | 7.38 | 9.0 | 8.75 | 9.13 |
| Police Credit Vic | 8.8 (4 REVIEWS) | 8.5 | 6.0 | 9.25 | 7.0 | 9.75 |
| Newcastle Permanent | 8.8 (4 REVIEWS) | 8.25 | 5.25 | 9.25 | 9.25 | 9.25 |
| ME Bank | 8.7 (22 REVIEWS) | 8.77 | 5.95 | 8.09 | 7.68 | 8.9 |
| Community CPS | 8.7 (3 REVIEWS) | 7.33 | 7.33 | 8.67 | 9.0 | 8.67 |
| Allianz | 8.5 (2 REVIEWS) | 9.5 | 8.5 | 8.5 | 7.0 | 9.5 |
| Woolworths | 8.5 (20 REVIEWS) | 7.55 | 8.65 | 8.35 | 8.25 | 8.65 |
| Defence Bank | 8.5 (2 REVIEWS) | 9.5 | 5.5 | 8.0 | 7.5 | 5.0 |
| Diners Club | 8.5 (2 REVIEWS) | 9.0 | 9.0 | 8.5 | 7.5 | 9.0 |
| wide bay | 8.0 (2 REVIEWS) | 6.5 | 5.0 | 9.0 | 9.0 | 9.0 |
| Queensland Police CU | 8.0 (2 REVIEWS) | 5.0 | 4.5 | 9.0 | 8.0 | 8.5 |
| HomeSide | 8.0 (1 REVIEW) | 8.0 | 8.0 | 8.0 | 8.0 | 5.0 |
| Industries Mutual Credit Union | 8.0 (1 REVIEW) | 9.0 | 7.0 | 8.0 | 8.0 | 8.0 |
| SGE Credit Union | 8.0 (1 REVIEW) | 5.0 | 8.0 | 8.0 | 8.0 | |
| QANTAS Staff Credit Union | 8.0 (1 REVIEW) | 8.0 | 5.0 | 9.0 | 3.0 | 7.0 |
| Teachers Credit Union | 7.9 (9 REVIEWS) | 8.88 | 5.63 | 8.22 | 6.56 | 8.44 |
| bankmecu | 7.8 (8 REVIEWS) | 7.25 | 7.29 | 7.88 | 7.5 | 7.88 |
| ADCU Australian Defence Credit Union | 7.7 (3 REVIEWS) | 7.67 | 7.67 | 7.33 | 8.33 | 8.33 |
| Bendigo Bank | 7.7 (52 REVIEWS) | 7.06 | 6.35 | 7.79 | 7.16 | 7.86 |
| 28 Degrees | 7.5 (50 REVIEWS) | 7.98 | 6.75 | 6.77 | 6.69 | 6.94 |
| AAA Financial | 7.5 (2 REVIEWS) | 5.5 | 6.0 | 3.0 | 7.0 | 7.0 |
| Bankwest | 7.4 (140 REVIEWS) | 7.05 | 5.91 | 7.28 | 7.52 | 7.37 |
| Heritage Bank | 7.3 (20 REVIEWS) | 6.53 | 6.32 | 8.26 | 7.75 | 7.79 |
| CUA | 7.3 (16 REVIEWS) | 6.63 | 6.8 | 7.38 | 7.56 | 7.88 |
| Peoples Choice Credit Union | 7.3 (19 REVIEWS) | 6.44 | 5.39 | 7.68 | 8.06 | 7.53 |
| Greater Building Society | 7.0 (2 REVIEWS) | 7.0 | 7.0 | 10.0 | 8.5 | 7.5 |
| Bank of Melbourne | 7.0 (7 REVIEWS) | 7.86 | 5.57 | 7.0 | 7.83 | 7.0 |
| Bank of Queensland | 6.8 (36 REVIEWS) | 6.25 | 6.15 | 6.86 | 7.17 | 6.78 |
| Police Credit Union NSW ACT | 6.8 (4 REVIEWS) | 8.25 | 4.75 | 8.0 | 6.5 | 7.0 |
| NAB | 6.7 (486 REVIEWS) | 6.11 | 6.17 | 6.69 | 7.44 | 6.78 |
| Westpac | 6.7 (531 REVIEWS) | 5.84 | 5.92 | 6.92 | 7.64 | 6.99 |
| MyState | 6.7 (3 REVIEWS) | 7.33 | 5.67 | 7.0 | 7.0 | 7.0 |
| BankSA | 6.7 (29 REVIEWS) | 6.64 | 5.36 | 7.17 | 7.55 | 7.07 |
| Commonwealth Bank | 6.5 (893 REVIEWS) | 5.51 | 5.86 | 6.78 | 7.79 | 6.78 |
| ANZ | 6.5 (720 REVIEWS) | 5.74 | 5.98 | 6.47 | 7.44 | 6.77 |
| Adelaide Bank | 6.5 (11 REVIEWS) | 6.64 | 4.2 | 6.64 | 6.36 | 6.36 |
| St George | 6.2 (142 REVIEWS) | 5.78 | 4.59 | 6.57 | 7.22 | 6.85 |
| Suncorp | 6.2 (40 REVIEWS) | 5.97 | 5.11 | 6.28 | 6.87 | 6.35 |
| Coles Group | 6.1 (18 REVIEWS) | 5.33 | 6.35 | 6.41 | 6.89 | 6.33 |
| Macquarie | 6.0 (6 REVIEWS) | 5.0 | 6.17 | 6.33 | 4.83 | 5.67 |
| Virgin Money | 5.8 (13 REVIEWS) | 6.38 | 5.85 | 5.0 | 4.67 | 5.83 |
| Jetstar | 5.6 (11 REVIEWS) | 6.18 | 5.9 | 5.91 | 5.82 | 5.27 |
| American Express | 5.6 (77 REVIEWS) | 4.79 | 6.38 | 6.03 | 5.01 | 6.07 |
| Aussie | 5.4 (34 REVIEWS) | 6.0 | 4.59 | 4.97 | 5.28 | 5.5 |
| HSBC | 5.4 (59 REVIEWS) | 5.19 | 5.48 | 5.47 | 4.91 | 5.26 |
| Arab Bank Australia | 5.2 (4 REVIEWS) | 4.75 | 5.0 | 6.0 | 6.25 | 6.5 |
| Myer | 5.0 (6 REVIEWS) | 3.67 | 5.83 | 4.0 | 3.83 | 4.67 |
| David Jones | 4.8 (5 REVIEWS) | 4.0 | 4.8 | 5.2 | 5.4 | 3.6 |
| Citibank | 4.2 (174 REVIEWS) | 4.38 | 4.95 | 3.95 | 4.06 | 4.4 |
| GE Money | 4.2 (51 REVIEWS) | 4.04 | 4.33 | 4.6 | 4.78 | 4.35 |
| Summerland Credit Union | 2.5 (2 REVIEWS) | 2.0 | 3.5 | 5.0 | 7.5 | 5.5 |
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