Which credit card is best for me?

By Mozo · Wednesday, 11 January 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 - last updated January 21, 2021

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

Bendigo Bank Low Rate Credit Card
Bonus $150 Woolworths Supermarket Gift Card when you spend $1,000 on eligible purchases within 90 days of opening your account. 0% on purchases for 15 months from account opening (Reverts to 11.99% p.a) Annual fee of $45 and no fees for additional cardholders.
Purchase rate
0% p.a. for 15 months then 11.99% p.a.
Balance transfer rate
No current offer
Annual fee
$45
Rewards program
-
Compare
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Details
Low Rate Credit Card
Bonus $150 Woolworths Supermarket Gift Card when you spend $1,000 on eligible purchases within 90 days of opening your account. 0% on purchases for 15 months from account opening (Reverts to 11.99% p.a) Annual fee of $45 and no fees for additional cardholders.
Purchase rate
0% p.a. for 15 months then 11.99% p.a.
Intro purchase rate
0% p.a. for 15 months
Balance transfer rate
No current offer
Cash advance
13.99% p.a.
Interest free days on purchases
55
Intro fee
-
Foreign exchange margin
3.00%
Annual card fee
$45
Late payment fee
$15.00
Cash advance fee
0.50%, Min $3.25
Read our Mozo Review to learn more about the Low Rate Credit Card
Go to site
Bendigo Bank Low Rate Credit Card
Bonus $150 Woolworths Supermarket Gift Card when you spend $1,000 on eligible purchases within 90 days of opening your account. 0% on purchases for 15 months from account opening (Reverts to 11.99% p.a) Annual fee of $45 and no fees for additional cardholders.
Purchase rate
0% p.a. for 15 months then 11.99% p.a.
Balance transfer rate
No current offer
Annual fee
$45
Rewards program
-
Go to site
Compare
Low Rate Credit Card
Bonus $150 Woolworths Supermarket Gift Card when you spend $1,000 on eligible purchases within 90 days of opening your account. 0% on purchases for 15 months from account opening (Reverts to 11.99% p.a) Annual fee of $45 and no fees for additional cardholders.
Purchase rate
0% p.a. for 15 months then 11.99% p.a.
Intro purchase rate
0% p.a. for 15 months
Balance transfer rate
No current offer
Cash advance
13.99% p.a.
Interest free days on purchases
55
Intro fee
-
Foreign exchange margin
3.00%
Annual card fee
$45
Late payment fee
$15.00
Cash advance fee
0.50%, Min $3.25
Read our Mozo Review to learn more about the Low Rate Credit Card
Go to site
Details
Bankwest Breeze Mastercard
Enjoy 0% p.a on balance transfers for 26 months (2% BT fee applies) then 10.99% thereafter. No annual fee for the first year. Limited time only. Other fees, T&Cs apply. New Mastercard Breeze customers only.
Purchase rate
10.99% p.a.
Balance transfer rate
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
Annual fee
$49 $0 in the first year
Rewards program
-
Compare
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Details
Breeze Mastercard
Enjoy 0% p.a on balance transfers for 26 months (2% BT fee applies) then 10.99% thereafter. No annual fee for the first year. Limited time only. Other fees, T&Cs apply. New Mastercard Breeze customers only.
Purchase rate
10.99% p.a.
Intro purchase rate
-
Balance transfer rate
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
Cash advance
21.99% p.a.
Interest free days on purchases
55
Intro fee
0.0
Foreign exchange margin
2.95%
Annual card fee
$49 $0 in the first year
Late payment fee
$25.00
Cash advance fee
2%, Min $4.00
Read our Mozo Review to learn more about the Breeze Mastercard
Go to site
Bankwest Breeze Mastercard
Enjoy 0% p.a on balance transfers for 26 months (2% BT fee applies) then 10.99% thereafter. No annual fee for the first year. Limited time only. Other fees, T&Cs apply. New Mastercard Breeze customers only.
Purchase rate
10.99% p.a.
Balance transfer rate
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
Annual fee
$49 $0 in the first year
Rewards program
-
Go to site
Compare
Breeze Mastercard
Enjoy 0% p.a on balance transfers for 26 months (2% BT fee applies) then 10.99% thereafter. No annual fee for the first year. Limited time only. Other fees, T&Cs apply. New Mastercard Breeze customers only.
Purchase rate
10.99% p.a.
Intro purchase rate
-
Balance transfer rate
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
Cash advance
21.99% p.a.
Interest free days on purchases
55
Intro fee
0.0
Foreign exchange margin
2.95%
Annual card fee
$49 $0 in the first year
Late payment fee
$25.00
Cash advance fee
2%, Min $4.00
Read our Mozo Review to learn more about the Breeze Mastercard
Go to site
Details
Hot DealLimited time cashback offer
Westpac Low Rate
Enjoy 0% p.a. interest on balance transfers for the first 24 months. Get $200 cashback with $1k minimum spend on eligible purchases within 90 days of card approval. 55 interest free days and low on-going rate of 13.74% on all purchases.
Purchase rate
13.74% p.a.
Balance transfer rate
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
Annual fee
$59
Rewards program
-
Compare
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Details
Low Rate
Enjoy 0% p.a. interest on balance transfers for the first 24 months. Get $200 cashback with $1k minimum spend on eligible purchases within 90 days of card approval. 55 interest free days and low on-going rate of 13.74% on all purchases.
Purchase rate
13.74% p.a.
Intro purchase rate
-
Balance transfer rate
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
Cash advance
21.49% p.a.
Interest free days on purchases
55
Intro fee
-
Foreign exchange margin
3.00%
Annual card fee
$59
Late payment fee
$15.00
Cash advance fee
2%, Min $2.50, Max $150
Read our Mozo Review to learn more about the Low Rate
Go to site
Westpac Low Rate
Enjoy 0% p.a. interest on balance transfers for the first 24 months. Get $200 cashback with $1k minimum spend on eligible purchases within 90 days of card approval. 55 interest free days and low on-going rate of 13.74% on all purchases.
Purchase rate
13.74% p.a.
Balance transfer rate
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
Annual fee
$59
Rewards program
-
Go to site
Compare
Low Rate
Enjoy 0% p.a. interest on balance transfers for the first 24 months. Get $200 cashback with $1k minimum spend on eligible purchases within 90 days of card approval. 55 interest free days and low on-going rate of 13.74% on all purchases.
Purchase rate
13.74% p.a.
Intro purchase rate
-
Balance transfer rate
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
Cash advance
21.49% p.a.
Interest free days on purchases
55
Intro fee
-
Foreign exchange margin
3.00%
Annual card fee
$59
Late payment fee
$15.00
Cash advance fee
2%, Min $2.50, Max $150
Read our Mozo Review to learn more about the Low Rate
Go to site
Details
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.
Purchase rate
11.99% p.a.
Balance transfer rate
No current offer
Annual fee
$0
Rewards program
-
Compare
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.
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 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.
Purchase rate
11.99% p.a.
Balance transfer rate
No current offer
Annual fee
$0
Rewards program
-
Go to site
Compare
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.
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
St.George Vertigo
0% p.a. for 24 months on balance transfers requested at card application. No balance transfer fee. Rate then switches to applicable variable cash advance rate. First year annual card fee waived for the first year ($55 thereafter). Available to new cards only, Eligibility criteria and T&Cs apply. Offer ends March 30th 2021. Mozo Experts Choice Balance Transfer Credit Card Winner 2020^.
Purchase rate
13.99% p.a.
Balance transfer rate
0% p.a. for 24 months and then 21.49% p.a.
Annual fee
$55 $0 in the first year
Rewards program
-
Compare
Go to site
Details
Vertigo
0% p.a. for 24 months on balance transfers requested at card application. No balance transfer fee. Rate then switches to applicable variable cash advance rate. First year annual card fee waived for the first year ($55 thereafter). Available to new cards only, Eligibility criteria and T&Cs apply. Offer ends March 30th 2021. Mozo Experts Choice Balance Transfer Credit Card Winner 2020^.
Purchase rate
13.99% p.a.
Intro purchase rate
-
Balance transfer rate
0% p.a. for 24 months and then 21.49% p.a.
Cash advance
21.49% p.a.
Interest free days on purchases
55
Intro fee
0.0
Foreign exchange margin
3.00%
Annual card fee
$55 $0 in the first year
Late payment fee
$15.00
Cash advance fee
2%, Min $2.50
Read our Mozo Review to learn more about the Vertigo
Go to site
St.George Vertigo
0% p.a. for 24 months on balance transfers requested at card application. No balance transfer fee. Rate then switches to applicable variable cash advance rate. First year annual card fee waived for the first year ($55 thereafter). Available to new cards only, Eligibility criteria and T&Cs apply. Offer ends March 30th 2021. Mozo Experts Choice Balance Transfer Credit Card Winner 2020^.
Purchase rate
13.99% p.a.
Balance transfer rate
0% p.a. for 24 months and then 21.49% p.a.
Annual fee
$55 $0 in the first year
Rewards program
-
Go to site
Compare
Vertigo
0% p.a. for 24 months on balance transfers requested at card application. No balance transfer fee. Rate then switches to applicable variable cash advance rate. First year annual card fee waived for the first year ($55 thereafter). Available to new cards only, Eligibility criteria and T&Cs apply. Offer ends March 30th 2021. Mozo Experts Choice Balance Transfer Credit Card Winner 2020^.
Purchase rate
13.99% p.a.
Intro purchase rate
-
Balance transfer rate
0% p.a. for 24 months and then 21.49% p.a.
Cash advance
21.49% p.a.
Interest free days on purchases
55
Intro fee
0.0
Foreign exchange margin
3.00%
Annual card fee
$55 $0 in the first year
Late payment fee
$15.00
Cash advance fee
2%, Min $2.50
Read our Mozo Review to learn more about the Vertigo
Go to site
Details

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Browse all 214 credit cards in Mozo's comparison database

^See information about the Mozo Experts Choice Credit Cards Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

Which credit card is best for me?

Credit Card Comparison Table - last updated January 21, 2021

Bendigo Bank Low Rate Credit Card

Low Rate Credit Card

Bendigo Bank Low Rate Credit Card

Low Rate Credit Card

Bankwest Breeze Mastercard

Breeze Mastercard

Bankwest Breeze Mastercard

Breeze Mastercard

Westpac Low Rate

Low Rate

Westpac Low Rate

Low Rate

ME frank Credit Card

frank Credit Card

ME frank Credit Card

frank Credit Card

St.George Vertigo

Vertigo

St.George Vertigo

Vertigo

Mozo

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