Credit Cards

Everything you need to compare credit cards is right here on Mozo. We compare over 214 credit cards from 58 banks to help you find the best credit card deals in Australia.

Everything you need to compare credit cards is right here on Mozo. We compare over 214 credit cards from 58 banks to help you find the best credit card deals in Australia.

What’s the best way to compare credit cards?

There are no annual fee cards, low interest rate cards, and rewards credit cards to consider and each one has its benefits. This is why our comparison tables are set up so that you can compare similar credit cards, their features and key benefits side by side. Click on the filter to see all the flavours of cards that are available to compare on Mozo.

What’s the difference between the purchase rate and the balance transfer rate? 

The purchase rate of the card is the interest rate you will pay for purchases that you make on your credit card. It will be applied to any balance not paid back in full by the due date of your credit card statement.    

A balance transfer rate will only apply to you if you are transferring a credit card balance from another bank’s credit card, to the new credit card.

What digital credit card options are available? 

In addition to smartphone payment options like apple pay, google pay and samsung pay, some banks have digital wallet apps which means that you won’t have to use a physical card at all.

There are even wearable options now available so all you have to do is swipe a ring, fitness tracker or watch at the payment terminal.

Is it better to have credit card with the same bank as my everyday bank account?

No, you should choose a credit card that best suits your needs. And the great thing about banking in Australia is that you’ve got lots of credit card providers to choose from. Before online banking and instant payments, it might have been convenient to have some of your banking products bundled with the same provider, but these days you can use online banking anytime of the day or night so you can pay your credit card bill, check your statement and transfer money between accounts instantly.

How do I apply for a credit card online? 

The process for applying online is easy, and convenient as you can do it at a time that suits you, not the opening hours of the bank - you could even get same day approval. If you are not an existing banking customer with the chosen credit card provider you will likely need to prove your identity and provide some information on your financial situation.

Once you have found the best credit card offer for you on Mozo, you can click on the Go to Site button where we connect you directly with the credit card provider so that you can apply straight away.

Credit card comparisons on Mozo - rates updated daily

Want more? Compare all 217 credit cards in the Mozo comparison engine.

Credit Card Resources

Views, news, tips and guides to help find the best credit card for you.

The Mozo guide to getting the best deal on your credit card

There are so many credit card options on the market, from low interest rate, to balance transfer cards and rewards cards. We help you compare plastic to find the best addition to your wallet.

Getting the best deal on your credit card

Option overload, it’s definitely a thing in the modern world, especially if you’re thinking of getting one of these puppies.

So, how do you find the best deal on a credit card? Did you know there are more than 200 credit card choices on the Australian market? Look, so, so many. Low interest rate, low fee, balance transfer, rewards. With all those options finding the card that’s right for you can be really hard work. Luckily there’s a place where you can save all that time and effort and see and compare a bunch of different options.

Depending on your financial circumstances, you may want a low rate card to keep your payments manageable, a card with flyer rewards to help you on your big escape, or other platinum perks, like concierge or travel insurance. It could be handy if you need it. Balance transfer cards with a 0% transfer rate help you get a handle on expensive credit card debt. Or, if you pay out your balance each month, a card with no annual fee to help keep costs down.

With so many options out there, doing the research to find the credit card that’s right for you will be worth it.

Head to Mozo.com.au to find out how you can get the best deal on your credit card.

Choosing your credit card match

From balance transfer cards that can help you ditch debt through to rewards credit cards offering a range of freebies to entice any big spender's appetite, there's never a shortage of plastic to choose from in the bustling credit card market. But what type of card is right for you and what are the features to consider and the fees to watch out for?

We're here to answer those questions in this tell all guide, aimed at helping you choose your perfect credit card match. Starting from the top:

What types of credit cards are available?

What credit card features should I consider?

What are the credit card fees to watch out for?

Is a personal loan or credit card better?

How do I compare credit card deals?

What will I need to apply?

Could my credit card application be rejected?

What should I do if I've been declined?

Credit Card Reviews

NAB
NAB Rewards Platinum Card credit card review
Overall
8/10
The service from my bank is very good

One problem I have is that there are only a few branches around the country side.

One problem I have is that there are only a few branches around the country side.

Price
0/10
Features
7/10
Customer service
8/10
Convenience
7/10
Trust
7/10

Colin | Western Australia

reviewed 1 day ago

Credit Union SA
Credit Union SA Visa Credit Card credit card review
Overall
6/10
Above average

Their credit card is decent.

Their credit card is decent.

Price
-1/10
Features
-1/10
Customer service
-1/10
Convenience
-1/10
Trust
-1/10

Shane | South Australia

reviewed 1 day ago

NAB
NAB Rewards Platinum Card credit card review
Overall
7/10
Good rewards

Easy access to branches.

Easy access to branches.

Price
5/10
Features
7/10
Customer service
8/10
Convenience
8/10
Trust
6/10

George | Queensland

reviewed 2 days ago

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