Which credit card is best for me?

By Mozo · Wednesday, January 11, 2017

Having trouble deciding which kind of plastic will be the best fit for your wallet? Well, there’s a really easy way to do it - you can use our handy decision tree to lead you to the right choice:

Want to start comparing cards? Look below.

Credit Card Comparison Table - rates updated daily

Search promoted credit cards below or do a full Mozo database search. Advertiser disclosure.

CUA
CUA Low Rate Credit Card
0% balance transfer rate for 13 months and up to 55 interest free days. No annual fee for the first year and $49 after.
Purchase rate
11.99% p.a.
Balance transfer rate
0% p.a. for 13 months and then 21.74% p.a.
Annual fee
$49 $0 in the first year
Rewards program
-
Go to site
Details
Low Rate Credit Card
0% balance transfer rate for 13 months and up to 55 interest free days. No annual fee for the first year and $49 after.
Purchase rate
11.99% p.a.
Intro purchase rate
-
Balance transfer rate
0% p.a. for 13 months and then 21.74% p.a.
Cash advance
21.74% p.a.
Interest free days on purchases
55
Intro fee
0.0
Foreign exchange margin
3.40%
Annual card fee
$49 $0 in the first year
Late payment fee
$12.50
Cash advance fee
2.00%, Min $3.50
Read our Mozo Review to learn more about the Low Rate Credit Card
Go to site
CUA
CUA Low Rate Credit Card
0% balance transfer rate for 13 months and up to 55 interest free days. No annual fee for the first year and $49 after.
Purchase rate
11.99% p.a.
Balance transfer rate
0% p.a. for 13 months and then 21.74% p.a.
Annual fee
$49 $0 in the first year
Rewards program
-
Go to site
Low Rate Credit Card
0% balance transfer rate for 13 months and up to 55 interest free days. No annual fee for the first year and $49 after.
Purchase rate
11.99% p.a.
Intro purchase rate
-
Balance transfer rate
0% p.a. for 13 months and then 21.74% p.a.
Cash advance
21.74% p.a.
Interest free days on purchases
55
Intro fee
0.0
Foreign exchange margin
3.40%
Annual card fee
$49 $0 in the first year
Late payment fee
$12.50
Cash advance fee
2.00%, Min $3.50
Read our Mozo Review to learn more about the Low Rate Credit Card
Go to site
Details
American Express
American Express Qantas Discovery Card
Receive up to 1.75 Qantas Points for every $1 spent on Card purchases (T&Cs apply). No annual fee for the life of the card. Credit Card Provider of the Year in the Mozo Experts Choice Awards 2019.^ T&C’s apply.
Purchase rate
20.74% p.a.
Balance transfer rate
No current offer
Annual fee
$0
Rewards program
Qantas Frequent Flyer
Go to site
Details
Qantas Discovery Card
Receive up to 1.75 Qantas Points for every $1 spent on Card purchases (T&Cs apply). No annual fee for the life of the card. Credit Card Provider of the Year in the Mozo Experts Choice Awards 2019.^ T&C’s apply.
Purchase rate
20.74% p.a.
Intro purchase rate
-
Balance transfer rate
No current offer
Cash advance
-
Interest free days on purchases
44
Intro fee
-
Foreign exchange margin
3.00%
Annual card fee
$0
Late payment fee
$30.00
Cash advance fee
-
Read our Mozo Review to learn more about the Qantas Discovery Card
Go to site
American Express
American Express Qantas Discovery Card
Receive up to 1.75 Qantas Points for every $1 spent on Card purchases (T&Cs apply). No annual fee for the life of the card. Credit Card Provider of the Year in the Mozo Experts Choice Awards 2019.^ T&C’s apply.
Purchase rate
20.74% p.a.
Balance transfer rate
No current offer
Annual fee
$0
Rewards program
Qantas Frequent Flyer
Go to site
Qantas Discovery Card
Receive up to 1.75 Qantas Points for every $1 spent on Card purchases (T&Cs apply). No annual fee for the life of the card. Credit Card Provider of the Year in the Mozo Experts Choice Awards 2019.^ T&C’s apply.
Purchase rate
20.74% p.a.
Intro purchase rate
-
Balance transfer rate
No current offer
Cash advance
-
Interest free days on purchases
44
Intro fee
-
Foreign exchange margin
3.00%
Annual card fee
$0
Late payment fee
$30.00
Cash advance fee
-
Read our Mozo Review to learn more about the Qantas Discovery Card
Go to site
Details
ME
ME frank Credit Card
Meet Frank, a low rate credit card with up to 55 interest free days, no annual fee and no strings attached. If simple, hassle free spending is your goal, you and Frank might be a match made in heaven. Winner of a Mozo Experts Choice Award 2019 in the No Annual Fee Platinum Credit Card category0.
Purchase rate
11.99% p.a.
Balance transfer rate
No current offer
Annual fee
$0
Rewards program
-
Go to site
Details
frank Credit Card
Meet Frank, a low rate credit card with up to 55 interest free days, no annual fee and no strings attached. If simple, hassle free spending is your goal, you and Frank might be a match made in heaven. Winner of a Mozo Experts Choice Award 2019 in the No Annual Fee Platinum Credit Card category0.
Purchase rate
11.99% p.a.
Intro purchase rate
-
Balance transfer rate
No current offer
Cash advance
11.99% p.a.
Interest free days on purchases
55
Intro fee
-
Foreign exchange margin
2.30%
Annual card fee
$0
Late payment fee
$10.00
Cash advance fee
2%, Min $4.00
Read our Mozo Review to learn more about the frank Credit Card
Go to site
ME
ME frank Credit Card
Meet Frank, a low rate credit card with up to 55 interest free days, no annual fee and no strings attached. If simple, hassle free spending is your goal, you and Frank might be a match made in heaven. Winner of a Mozo Experts Choice Award 2019 in the No Annual Fee Platinum Credit Card category0.
Purchase rate
11.99% p.a.
Balance transfer rate
No current offer
Annual fee
$0
Rewards program
-
Go to site
frank Credit Card
Meet Frank, a low rate credit card with up to 55 interest free days, no annual fee and no strings attached. If simple, hassle free spending is your goal, you and Frank might be a match made in heaven. Winner of a Mozo Experts Choice Award 2019 in the No Annual Fee Platinum Credit Card category0.
Purchase rate
11.99% p.a.
Intro purchase rate
-
Balance transfer rate
No current offer
Cash advance
11.99% p.a.
Interest free days on purchases
55
Intro fee
-
Foreign exchange margin
2.30%
Annual card fee
$0
Late payment fee
$10.00
Cash advance fee
2%, Min $4.00
Read our Mozo Review to learn more about the frank Credit Card
Go to site
Details
CUA
CUA Platinum Credit Card
0% p.a. balance transfer, $0 annual fee for the first year and also receive 1 rewards point for every dollar spent. Concierge service and purchase protection insurance.
Purchase rate
19.99% p.a.
Balance transfer rate
0% p.a. for 13 months and then 21.74% p.a.
Annual fee
$149 $0 in the first year
Rewards program
Life Rich Rewards
Go to site
Details
Platinum Credit Card
0% p.a. balance transfer, $0 annual fee for the first year and also receive 1 rewards point for every dollar spent. Concierge service and purchase protection insurance.
Purchase rate
19.99% p.a.
Intro purchase rate
-
Balance transfer rate
0% p.a. for 13 months and then 21.74% p.a.
Cash advance
21.74% p.a.
Interest free days on purchases
55
Intro fee
0.0
Foreign exchange margin
3.40%
Annual card fee
$149 $0 in the first year
Late payment fee
$12.50
Cash advance fee
2.00%, Min $3.50
Read our Mozo Review to learn more about the Platinum Credit Card
Go to site
CUA
CUA Platinum Credit Card
0% p.a. balance transfer, $0 annual fee for the first year and also receive 1 rewards point for every dollar spent. Concierge service and purchase protection insurance.
Purchase rate
19.99% p.a.
Balance transfer rate
0% p.a. for 13 months and then 21.74% p.a.
Annual fee
$149 $0 in the first year
Rewards program
Life Rich Rewards
Go to site
Platinum Credit Card
0% p.a. balance transfer, $0 annual fee for the first year and also receive 1 rewards point for every dollar spent. Concierge service and purchase protection insurance.
Purchase rate
19.99% p.a.
Intro purchase rate
-
Balance transfer rate
0% p.a. for 13 months and then 21.74% p.a.
Cash advance
21.74% p.a.
Interest free days on purchases
55
Intro fee
0.0
Foreign exchange margin
3.40%
Annual card fee
$149 $0 in the first year
Late payment fee
$12.50
Cash advance fee
2.00%, Min $3.50
Read our Mozo Review to learn more about the Platinum Credit Card
Go to site
Details
Apply By30 September 2020
Qantas Money
Qantas Money Qantas Premier Platinum
0% p.a. for 18 months on Balance Transfers, reverts to cash advance rate thereafter. Earn up to 80,000 bonus Qantas Points: 20,000 points each month for four months when spending $1,500 or more on eligible purchases (T&Cs apply).
Purchase rate
19.99% p.a.
Balance transfer rate
0% p.a. for 18 months and then 21.99% p.a.
Annual fee
$299 $199 in the first year
Rewards program
Qantas Frequent Flyer
Go to site
Details
Qantas Premier Platinum
0% p.a. for 18 months on Balance Transfers, reverts to cash advance rate thereafter. Earn up to 80,000 bonus Qantas Points: 20,000 points each month for four months when spending $1,500 or more on eligible purchases (T&Cs apply).
Purchase rate
19.99% p.a.
Intro purchase rate
-
Balance transfer rate
0% p.a. for 18 months and then 21.99% p.a.
Cash advance
21.99% p.a.
Interest free days on purchases
55
Intro fee
199.0
Foreign exchange margin
3.00%
Annual card fee
$299 $199 in the first year
Late payment fee
$30.00
Cash advance fee
3%, min $3.00
Read our Mozo Review to learn more about the Qantas Premier Platinum
Go to site
Qantas Money
Qantas Money Qantas Premier Platinum
0% p.a. for 18 months on Balance Transfers, reverts to cash advance rate thereafter. Earn up to 80,000 bonus Qantas Points: 20,000 points each month for four months when spending $1,500 or more on eligible purchases (T&Cs apply).
Purchase rate
19.99% p.a.
Balance transfer rate
0% p.a. for 18 months and then 21.99% p.a.
Annual fee
$299 $199 in the first year
Rewards program
Qantas Frequent Flyer
Go to site
Qantas Premier Platinum
0% p.a. for 18 months on Balance Transfers, reverts to cash advance rate thereafter. Earn up to 80,000 bonus Qantas Points: 20,000 points each month for four months when spending $1,500 or more on eligible purchases (T&Cs apply).
Purchase rate
19.99% p.a.
Intro purchase rate
-
Balance transfer rate
0% p.a. for 18 months and then 21.99% p.a.
Cash advance
21.99% p.a.
Interest free days on purchases
55
Intro fee
199.0
Foreign exchange margin
3.00%
Annual card fee
$299 $199 in the first year
Late payment fee
$30.00
Cash advance fee
3%, min $3.00
Read our Mozo Review to learn more about the Qantas Premier Platinum
Go to site
Details

^See information about the Mozo Experts Choice Credit Cards Awards

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Which credit card is best for me?

Credit Card Comparison Table - rates updated daily

CUA Low Rate Credit Card

Low Rate Credit Card

CUA Low Rate Credit Card

Low Rate Credit Card

American Express Qantas Discovery Card

Qantas Discovery Card

American Express Qantas Discovery Card

Qantas Discovery Card

ME frank Credit Card

frank Credit Card

ME frank Credit Card

frank Credit Card

CUA Platinum Credit Card

Platinum Credit Card

CUA Platinum Credit Card

Platinum Credit Card

Qantas Money Qantas Premier Platinum

Qantas Premier Platinum

Qantas Money Qantas Premier Platinum

Qantas Premier Platinum

Mozo

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