credit cards

Compare Visa Credit Cards

Looking for a new credit card option and like what Visa has on offer? Check out Visa credit cards below and compare some of the latest deals from Australia's banks.

Credit card comparisons on Mozo - last updated February 27, 2021

Search promoted credit cards below or do a full Mozo database search. Advertiser disclosure.
  • Apply By February 28, 2021
    NAB Qantas Rewards Signature Card

    NABs fastest way to earn Qantas Points. 130,000 bonus Qantas Points when you spend $3,000 on everyday purchases within 60 days of account opening and keep the card open for 12 months. 7 complimentary insurances when you meet eligibility criteria including Overseas Travel Insurance.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    19.99% p.a.
    0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
    $395 $295 in the first year
    Qantas Frequent Flyer
    Compare
    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 2nd 2021. Mozo Experts Choice Balance Transfer Credit Card Winner 2020^.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    13.99% p.a.
    0% p.a. for 24 months and then 21.49% p.a.
    $55 $0 in the first year
    -
    Compare
    Details
  • Defence Bank Foundation Credit Card

    Defence Bank Low Rate Credit Card offers a 3.99% p.a. 6 month introductory rate on balance transfers, purchases and cash advances. Up to 55 days interest free on purchases.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    3.99% p.a. for 6 months then 8.99% p.a.
    3.99% p.a. for 6 months and then 8.99% p.a.
    $45
    -
    Compare
    Details
  • BankSA Amplify Signature

    Earn up to 200,000 Bonus Amplify Rewards Points over 2 years (130k yr 1, 70k yr 2) when you spend $12k on eligible purchases each year. $139 reduced first year annual card fee (normally $279). New cards only, Eligibility criteria and T&Cs apply. Offer ends 2nd March 2021.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    19.74% p.a.
    0% p.a. for 6 months and then 21.49% p.a.
    $279 $139 in the first year
    Amplify Rewards
    Compare
    Details
  • Bank of Melbourne Vertigo

    Get 24 months 0% p.a. on balance transfers requested at card application. No balance transfer fee. Rate then switches to applicable variable cash advance rate. Pay no annual card fee for the first year ($55 thereafter). New cards only, Eligibility criteria and T&Cs apply. Offer ends March 2nd 2021.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    13.99% p.a.
    0% p.a. for 24 months and then 21.49% p.a.
    $55 $0 in the first year
    -
    Compare
    Details

^See information about the Mozo Experts Choice Credit cards Awards

**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.

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.

Credit Card Resources

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

FAQ

Choosing a Visa Credit Card 

With the affordability of a low rate credit card, or the luxury of a rewards card you can trust that no matter what you spending needs are, there’s a Visa credit card for you. But how do you know what to look for in a new credit card? That’s where we come in, our in depth look at Visa credit cards below will help you find your next plastic match.

So let’s get started:

What types of Visa credit cards do banks have?

When it comes to credit cards one size does not fit all, so here’s a list of all the types of Visa credit cards that could be the next addition to your wallet:

Low Rate Visa credit card - If you’re someone who tends to hold onto things, like a balance, then a low rate Visa credit card may your perfect match. This way, whether you’re booking a holiday or indulging in some shopping, you won’t be hit with a high interest rate, as these cards offer low rates starting from below 10%.

No annual Visa credit card - For spenders only looking to whip out their plastic once in a while, then you might consider a no annual fee Visa credit card. These cards generally do not come with any additional perks and are instead the ‘no frills’ option for cardholders.

Balance transfer Visa credit card - Feeling the ongoing sting of previous plastic debt? Then a balance transfer credit card could be in your future. This piece of plastic allows you to move your current debt over to a new balance transfer card with an interest-free period, which depending on your card, is usually up to 24 months.

Rewards Visa credit card - This is a type of card that could give you a little more bang for your buck through rewards, like gift cards and discounts for retail purchases. But keep in mind that these kinds of card often come with higher annual fees and interest rates.

Platinum Visa credit card - If you like to think big, then why not think Platinum? With a Visa platinum credit card, you’ll have all the features of a regular rewards card, but you’ll earn a little more rewards and bonus points with each dollar you spend.

Travel Visa credit card - All Visa credit cards can be used overseas, so you won’t ever have to worry about running into trouble when you need to make a payment. Some travel credit cards offer no currency conversion fees, helping you save a few extra bucks at the checkout.

What should I compare in a Visa credit card?

While a Visa credit card will allow you to make easy and safe payments all over the world, there are a few things to consider when you start shopping around for one, they are:

Interest rate - This is one of the biggest things you should compare, especially if you tend to carry a balance. Depending on the type of card, you could see an interest rate of up to 23%!

Interest-free days -This refers to the number of days you’ll have zero interest on your purchases, this can range from 44 to 55 days. While this sweet period will start at the beginning of your statement period and end on your card’s due date, you should remember that this perk will vanish if you don’t pay your balance in full by the due date.

Credit limit - Even though your approved credit limit will depend on your current income and credit history, you should still apply for a credit card that fits within your financial circumstances.

Rewards programs - Some Visa credit cards also come with a nifty rewards program, like frequent flyer programs where you can earn points as you spend. However, keep in mind that in order to get some serious value out of your card’s rewards program, you’ll need to pay off your balance in full and rack up a number of points.

Other perks - Along with a rewards program are a few other perks, like complimentary travel insurance, purchase and price protection and extended warranty.

Are there any fees with a Visa credit card?

Yes, here are some of the fees you can expect to have if you apply for a Visa credit card:

Annual fees - Many Visa credit cards often come with an annual fee that can range from $0 to more than $250. So if you are considering a Visa credit card with a hefty annual fee, be sure that the benefits of the card will outweigh this cost.

Foreign exchange margin - If you’re planning on using your plastic for some online shopping or while travelling, you’ll need to consider the foreign exchange margin - this is usually a charge between 2% - 4% of your total transaction.

Cash advance fee - While you are able to withdraw cash with your Visa credit card, you should avoid doing so, as not only will you be charged a cash withdrawal fee of around 3%, you’ll also incur a high cash advance rate, which can exceed a massive 20%.

Late payment fee - This is a fee you will have to pay if you don’t pay your balance by the due date and is usually around $10 - $30. To avoid this, it’s a good idea to set up an automatic payment via online banking so you never miss a payment.  

What are the benefits of owning a Visa credit card?

Aside from the fact that you’ll have access of up to 2 million ATMs and merchants around the world, owning a Visa credit card will also give you access to the following:

Round-the-clock service - If your card ever gets stolen or is lost anywhere in the world, rest assured that you’ll have Visa’s 24/7 customer service team by your side.

Concierge service - Be treated like a VIP with the Visa concierge service, which can help you with anything from booking a table at your favorite restaurant or grabbing tickets to your next concert.

Visa Checkout - Because everyone needs a little security in life and by signing up to Visa Checkout, your payment and shipping information will be securely saved, making checkout faster and safer.

Visa Premium - Own a Visa Platinum, Infinite or Signature credit card? Great! Then say hello to Visa Premium, a program that features a range of exclusive lifestyle, entertainment and travel benefits from around the world.

Visa Entertainment - If you love a good show, then Visa Entertainment may be your new best friend, giving you the chance to score pre-sale concert or festival tickets.

Visa payWave - Need to be in and out stores fast? With Visa payWave, purchases under $100 can be made with a simple and quick ‘tap’ of your Visa credit card.

Verified by Visa - This feature ensures that any online payments are made by the actual card owner with a password only known between the bank and cardholder.

Other Visa perks - But the perks don’t end here, Visa cardholders will also receive discounts and deals from stores like THE ICONIC and Kathmandu.

What do I need to apply for a Visa credit card?

If you’re thinking of applying for a Visa credit card you will need the following documentation:

Identification - Once you approach the bank to apply for a Visa credit card, they will ask for your drivers license number. You will also need to be an Australian resident and over the age of 18.

Financial details - You’ll also need to provide information about your income to show the bank how much you earn. The minimum income amount required will depend on your card provider.

Credit Card Reviews

NAB Rewards Signature Card review
Overall 10/10
I am in a much happier place about my credit card.

I was having trouble paying off my credit card because my interest rate was so high 19.99%. When Covid struck they dropped the credit rate by 2.5% for 3 months so I contacted the bank. I spoke to a lovely gentleman and told him all my troubles about not being able to pay off the card and how it was affecting me financially. He got my next months interest rate waived and for the next 3 months my interest rate was 6.5%. Lastly he got my interest rate dropped to 9.95% for the life of the credit card. This has made a huge difference in me being able to pay off a lot of the $10,000 I owed on the credit card. The interest rate is one that I can pay off as well as some of the balance. I am feeling in a more happy place now and it is all because of this one gentleman on the phone.

Read full review

I was having trouble paying off my credit card because my interest rate was so high 19.99%. When Covid struck they dropped the credit rate by 2.5% for 3 months so I contacted the bank. I spoke to a lovely gentleman and told him all my troubles about not being able to pay off the card and how it was affecting me financially. He got my next months interest rate waived and for the next 3 months my interest rate was 6.5%. Lastly he got my interest rate dropped to 9.95% for the life of the credit card. This has made a huge difference in me being able to pay off a lot of the $10,000 I owed on the credit card. The interest rate is one that I can pay off as well as some of the balance. I am feeling in a more happy place now and it is all because of this one gentleman on the phone.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Lynne, South Australia, reviewed about 12 hours ago
bcu Classic Credit Card review
Overall 8/10
Always helpful even if they can't replace funds

BCU are the best in my eyes as they have helped when my card was hacked and money was spent on airfares in Spain and I don't have a passport. They are always polite and helpful and even though things are a little different since their joining with P & N I still find them the best in the business.

Read full review

BCU are the best in my eyes as they have helped when my card was hacked and money was spent on airfares in Spain and I don't have a passport. They are always polite and helpful and even though things are a little different since their joining with P & N I still find them the best in the business.

Price
8/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Ronald, New South Wales, reviewed about 12 hours ago
humm90 Credit Card review
Overall 1/10
Pls people, don't use this bank. They are thieves.

My payment was due on the 14/02/21 and I did made the payment early on the 12/02/21 but they didn't take the money out of my account. Their statement says it's still pending and on the 17/02/21 they send a dishonoured fee of $15.00 to me stated that I dshonoured the payment. While I was with skye mastercard, everything runs well and good. Now humm90 took over it's a nightmare, no good customer service on the phone, giving dishonour fee for no reason, accumalating of dishonour fees for no good reasons and so on. Please people, don't use this bank. They are stealing money, even though you made payment before the due date, they won't take the money out of your account until the due date passed and then they say you dishonoured the payment and that's when they will charge you the dishonoured fee. They are Thieves.

Read full review

My payment was due on the 14/02/21 and I did made the payment early on the 12/02/21 but they didn't take the money out of my account. Their statement says it's still pending and on the 17/02/21 they send a dishonoured fee of $15.00 to me stated that I dshonoured the payment. While I was with skye mastercard, everything runs well and good. Now humm90 took over it's a nightmare, no good customer service on the phone, giving dishonour fee for no reason, accumalating of dishonour fees for no good reasons and so on. Please people, don't use this bank. They are stealing money, even though you made payment before the due date, they won't take the money out of your account until the due date passed and then they say you dishonoured the payment and that's when they will charge you the dishonoured fee. They are Thieves.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Dissatisfied, Western Australia, reviewed 1 day ago

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