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  • Everything you need to compare credit cards is right here on Mozo. We compare over 202 credit cards from 58 banks to help you find the best credit card deals in Australia.

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  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Essential Credit Card

    American Express Essential Credit Card

    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee

    balance transfer rate

    0% p.a. for 12 months (1.00% p.a. balance transfer fee)

    purchase rate

    14.99% p.a.

    annual fee

    $0

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    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee
    • Balance transfer rate: 0% p.a. for 12 months (1.00% p.a. balance transfer fee)
    • Annual fee: $0
    • Purchase rate: 14.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals: 2%, min $2.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    ME frank Credit Card

    ME frank Credit Card

    • Experts Choice Winner - Best Low Rate & Fee Free Credit Card
    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases

    balance transfer rate

    purchase rate

    11.99% p.a.

    annual fee

    $0

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    More info

    • Experts Choice Winner - Best Low Rate & Fee Free Credit Card
    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases
    • Balance transfer rate:
    • Annual fee: $0
    • Purchase rate: 11.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 11.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    7.6

    Based on 47 ME credit card reviews

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  • Mozo's pick of the month

    Start Christmas shopping with 0% on purchases!  

    Coles No Annual Fee MasterCard

    Coles No Annual Fee MasterCard

    • 0% p.a. interest on purchases for 15 months if you apply and are approved by 31 Dec 2016
    • No annual fee to pay, ever
    • 0% p.a. on balance transfers for 6 months

    balance transfer rate

    0% p.a. for 6 months

    purchase rate

    0% p.a. for 15 months then 19.99% p.a.

    annual fee

    $0

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    • 0% p.a. interest on purchases for 15 months if you apply and are approved by 31 Dec 2016
    • No annual fee to pay, ever
    • 0% p.a. on balance transfers for 6 months
    • Balance transfer rate: 0% p.a. for 6 months
    • Annual fee: $0
    • Purchase rate: 0% p.a. for 15 months then 19.99% p.a.
    • Interest free days: 62
    • Interest rate on cash withdrawals: 19.99% p.a.
    • Fee for cash withdrawals: 3%, Min $1.95
    • Rewards description: Earn 1 flybuys point for every $2 you spend.
    Overall rating

    6.8

    Based on 156 Coles credit card reviews

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  • HSBC Platinum Qantas Credit Card

    HSBC Platinum Qantas Credit Card

    • Visa payWave for convenient contactless purchases under $100
    • 60,000 bonus Qantas Points when you apply by 31st December 2016. Conditions apply
    • $0 additional cardholder fee

    balance transfer rate

    purchase rate

    19.99% p.a.

    annual fee

    $199

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    More info

    • Visa payWave for convenient contactless purchases under $100
    • 60,000 bonus Qantas Points when you apply by 31st December 2016. Conditions apply
    • $0 additional cardholder fee
    • Balance transfer rate:
    • Annual fee: $199
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, min $4.00
    • Rewards description: Points are automatically accredited to the Qantas Frequent Flyer Program.
    Overall rating

    5.5

    Based on 139 HSBC credit card reviews

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  • Bankwest Zero Platinum MasterCard

    Bankwest Zero Platinum MasterCard

    • No annual fee
    • Complimentary credit card international travel insurance for you and your family
    • No transaction fees on overseas purchases

    balance transfer rate

    2.99% p.a. for 9 months

    purchase rate

    17.99% p.a.

    annual fee

    $0

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    More info

    • No annual fee
    • Complimentary credit card international travel insurance for you and your family
    • No transaction fees on overseas purchases
    • Balance transfer rate: 2.99% p.a. for 9 months
    • Annual fee: $0
    • Purchase rate: 17.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    7.7

    Based on 298 Bankwest credit card reviews

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  • American Express Explorer Credit Card

    American Express Explorer Credit Card

    • Receive 100,000 Membership Rewards® Points (T&Cs apply)
    • $400 in Travel Credit each year
    • Up to 2 Membership Rewards points per $1 spent

    balance transfer rate

    0% p.a. for 12 months (1.00% p.a. balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $395

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    More info

    • Receive 100,000 Membership Rewards® Points (T&Cs apply)
    • $400 in Travel Credit each year
    • Up to 2 Membership Rewards points per $1 spent
    • Balance transfer rate: 0% p.a. for 12 months (1.00% p.a. balance transfer fee)
    • Annual fee: $395
    • Purchase rate: 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals: 2%, min $2.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    28 Degrees Platinum MasterCard

    28 Degrees Platinum MasterCard

    • Award winning credit card
    • $0 overseas fees on purchases
    • 24/7 Worldwide Concierge Service

    balance transfer rate

    4.99% p.a. for 6 months

    purchase rate

    21.99% p.a.

    annual fee

    $0

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    More info

    • Award winning credit card
    • $0 overseas fees on purchases
    • 24/7 Worldwide Concierge Service
    • Balance transfer rate: 4.99% p.a. for 6 months
    • Annual fee: $0
    • Purchase rate: 21.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, min $4
    • Rewards description:
    Overall rating

    7.3

    Based on 161 28 Degrees credit card reviews

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  • NAB Qantas Rewards Premium Card

    NAB Qantas Rewards Premium Card

    • 0% p.a on purchases for 15 months
    • 0% p.a on balance transfers for 15 months (one off 3% BT fee)
    • 25,000 bonus Qantas Points when you make an everyday purchase within 90 days

    balance transfer rate

    0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

    purchase rate

    0% p.a. for 15 months then 19.99% p.a.

    annual fee

    $250

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    More info

    • 0% p.a on purchases for 15 months
    • 0% p.a on balance transfers for 15 months (one off 3% BT fee)
    • 25,000 bonus Qantas Points when you make an everyday purchase within 90 days
    • Balance transfer rate: 0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)
    • Annual fee: $250
    • Purchase rate: 0% p.a. for 15 months then 19.99% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    7.2

    Based on 1409 NAB credit card reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    Bank Australia Low Rate Visa

    Bank Australia Low Rate Visa

    • Same interest rate for purchases and cash advances
    • Visa Checkout for safe online banking
    • Low annual fee

    balance transfer rate

    purchase rate

    9.39% p.a.

    annual fee

    $59

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    More info

    • Same interest rate for purchases and cash advances
    • Visa Checkout for safe online banking
    • Low annual fee
    • Balance transfer rate:
    • Annual fee: $59
    • Purchase rate: 9.39% p.a.
    • Interest free days: 0
    • Interest rate on cash withdrawals: 9.39% p.a.
    • Fee for cash withdrawals: $3.50
    • Rewards description:
    Overall rating

    7.7

    Based on 15 Bank Australia credit card reviews

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  • Westpac Low Rate

    Westpac Low Rate

    • 0% p.a on balance transfers for the first 16 months
    • 1.0% p.a purchase rate for 12 months
    • Bank on-the-go with Westpac Mobile Banking

    balance transfer rate

    0% p.a. for 16 months

    purchase rate

    1.00% p.a. for 12 months then 13.49% p.a.

    annual fee

    $59 $0 in the first year for existing Westpac customers

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    • 0% p.a on balance transfers for the first 16 months
    • 1.0% p.a purchase rate for 12 months
    • Bank on-the-go with Westpac Mobile Banking
    • Balance transfer rate: 0% p.a. for 16 months
    • Annual fee: $59 $0 in the first year for existing Westpac customers
    • Purchase rate: 1.00% p.a. for 12 months then 13.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50, Max $150
    • Rewards description:
    Overall rating

    7.2

    Based on 1431 Westpac credit card reviews

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  • NAB Low Rate Card

    NAB Low Rate Card

    • 0% p.a on purchases for 15 months
    • 0% p.a on balance transfers for 15 months (one off 3% BT fee)
    • Secure online application and fast response

    balance transfer rate

    0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

    purchase rate

    0% p.a. for 15 months then 13.99% p.a.

    annual fee

    $59

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    More info

    • 0% p.a on purchases for 15 months
    • 0% p.a on balance transfers for 15 months (one off 3% BT fee)
    • Secure online application and fast response
    • Balance transfer rate: 0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)
    • Annual fee: $59
    • Purchase rate: 0% p.a. for 15 months then 13.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.2

    Based on 1409 NAB credit card reviews

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  • St.George Amplify Signature (Rewards)

    St.George Amplify Signature (Rewards)

    • 1.0% p.a. on purchases for the first 12 months
    • 0% p.a. on balance transfers for 18 months
    • 30,000 bonus points when you spend $2,500 within the first 90 days

    balance transfer rate

    0% p.a. for 18 months

    purchase rate

    1.00% p.a. for 12 months then 19.49% p.a.

    annual fee

    $279 $0 in the first 1 year

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    • 1.0% p.a. on purchases for the first 12 months
    • 0% p.a. on balance transfers for 18 months
    • 30,000 bonus points when you spend $2,500 within the first 90 days
    • Balance transfer rate: 0% p.a. for 18 months
    • Annual fee: $279 $0 in the first 1 year
    • Purchase rate: 1.00% p.a. for 12 months then 19.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 20.24% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    7.0

    Based on 330 St.George credit card reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    Australian Military Bank Low Rate Visa Credit Card

    Australian Military Bank Low Rate Visa Credit Card

    • $0 additional cardholder fee
    • Up to 55 days interest free on purchases
    • Visa payWave for convenient contactless purchases under $100

    balance transfer rate

    0% p.a. for 12 months

    purchase rate

    10.99% p.a.

    annual fee

    $49

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    More info

    • $0 additional cardholder fee
    • Up to 55 days interest free on purchases
    • Visa payWave for convenient contactless purchases under $100
    • Balance transfer rate: 0% p.a. for 12 months
    • Annual fee: $49
    • Purchase rate: 10.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 19.99% p.a.
    • Fee for cash withdrawals: $4.50
    • Rewards description:
    Overall rating

    7.2

    Based on 27 Australian Military Bank credit card reviews

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  • NAB Premium Card

    NAB Premium Card

    • 0% p.a. on purchases for 15 months
    • 0%p.a. on balance transfer for 15 months (one off 3% BT fee)
    • Secure online application and fast response

    balance transfer rate

    0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

    purchase rate

    0% p.a. for 15 months then 19.74% p.a.

    annual fee

    $90

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    More info

    • 0% p.a. on purchases for 15 months
    • 0%p.a. on balance transfer for 15 months (one off 3% BT fee)
    • Secure online application and fast response
    • Balance transfer rate: 0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)
    • Annual fee: $90
    • Purchase rate: 0% p.a. for 15 months then 19.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.2

    Based on 1409 NAB credit card reviews

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  • American Express Qantas Ultimate Card

    American Express Qantas Ultimate Card

    • Earn 100,000 bonus Qantas points
    • Earn up to 3 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance

    balance transfer rate

    0% p.a. for 12 months (1.00% p.a. balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $450

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    More info

    • Earn 100,000 bonus Qantas points
    • Earn up to 3 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance
    • Balance transfer rate: 0% p.a. for 12 months (1.00% p.a. balance transfer fee)
    • Annual fee: $450
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals: 2%, min $2.50
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

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  • NAB Velocity Rewards Premium Card

    NAB Velocity Rewards Premium Card

    • 0% p.a on purchases for 15 months
    • 0% p.a on balance transfer for 15 months (one off 3% BT fee)
    • 25,000 bonus Velocity Points when you make an everyday purchase within 90 days

    balance transfer rate

    0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)

    purchase rate

    0% p.a. for 15 months then 19.99% p.a.

    annual fee

    $150

    Go to site

    More info

    • 0% p.a on purchases for 15 months
    • 0% p.a on balance transfer for 15 months (one off 3% BT fee)
    • 25,000 bonus Velocity Points when you make an everyday purchase within 90 days
    • Balance transfer rate: 0% p.a. for 15 months and then 21.74% p.a. (3.00% p.a. balance transfer fee)
    • Annual fee: $150
    • Purchase rate: 0% p.a. for 15 months then 19.99% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description: Points are automatically credited to the Velocity program.
    Overall rating

    7.2

    Based on 1409 NAB credit card reviews

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  • BCU Classic

    BCU Classic

    • Credit Union of the Year by Money Magazine
    • Up to 55 days interest free
    • Fast approval

    balance transfer rate

    purchase rate

    11.80% p.a.

    annual fee

    $40

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    More info

    • Credit Union of the Year by Money Magazine
    • Up to 55 days interest free
    • Fast approval
    • Balance transfer rate:
    • Annual fee: $40
    • Purchase rate: 11.80% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 11.80% p.a.
    • Fee for cash withdrawals: $1.25
    • Rewards description:
    Overall rating

    9.1

    Based on 38 BCU credit card reviews

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  • Bankwest Zero MasterCard

    Bankwest Zero MasterCard

    • No annual fee
    • Complimentary credit card international travel insurance for you and your family
    • Free worldwide emergency card replacement

    balance transfer rate

    2.99% p.a. for 9 months

    purchase rate

    17.99% p.a.

    annual fee

    $0

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    More info

    • No annual fee
    • Complimentary credit card international travel insurance for you and your family
    • Free worldwide emergency card replacement
    • Balance transfer rate: 2.99% p.a. for 9 months
    • Annual fee: $0
    • Purchase rate: 17.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    7.7

    Based on 298 Bankwest credit card reviews

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  • American Express Platinum Edge Credit Card

    American Express Platinum Edge Credit Card

    • $195 annual fee
    • $200 travel credit
    • Up to 3 points per dollar spent on eligible purchases

    balance transfer rate

    0% p.a. for 12 months (1.00% p.a. balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $195

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    More info

    • $195 annual fee
    • $200 travel credit
    • Up to 3 points per dollar spent on eligible purchases
    • Balance transfer rate: 0% p.a. for 12 months (1.00% p.a. balance transfer fee)
    • Annual fee: $195
    • Purchase rate: 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals: 2%, min $2.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Qantas Discovery Card

    American Express Qantas Discovery Card

    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 12 months
    • Receive up to 7,500 Qantas Points

    balance transfer rate

    0% p.a. for 12 months (1.00% p.a. balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $0

    Go to site

    More info

    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 12 months
    • Receive up to 7,500 Qantas Points
    • Balance transfer rate: 0% p.a. for 12 months (1.00% p.a. balance transfer fee)
    • Annual fee: $0
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals: 2%, min $2.50
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

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  • ANZ First

    ANZ First

    • Now with Apple Pay
    • 0% p.a. first 18 months on balance transfers with a 3% Balance Transfer fee
    • Low annual fee

    balance transfer rate

    0% p.a. for 18 months and then 21.49% p.a. (3.00% p.a. balance transfer fee)

    purchase rate

    19.74% p.a.

    annual fee

    $30

    Go to site

    More info

    • Now with Apple Pay
    • 0% p.a. first 18 months on balance transfers with a 3% Balance Transfer fee
    • Low annual fee
    • Balance transfer rate: 0% p.a. for 18 months and then 21.49% p.a. (3.00% p.a. balance transfer fee)
    • Annual fee: $30
    • Purchase rate: 19.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description:
    Overall rating

    6.9

    Based on 1932 ANZ credit card reviews

    Need more information?
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