Student credit cards

  • A credit card can be a helpful money management tool for students. The key features to look for include a low purchase rate and low fees because the less you pay in these the more of your repayments will go towards paying down any debt accrued. If you maintain good credit card habits as a student, such as sticking well within your credit limit and always making payments on time, you'll develop a good credit profile so that when the time comes for you to borrow larger amounts, such as for a car or home, you'll be able to negotiate better deals. Compare some student credit card options below.

  • Student credit card comparisons on Mozo - last updated 1 August 2021

    Search promoted credit cards below or do a full Mozo database search. Advertiser disclosure.
    • Apply By 2 August 2021
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      Kogan Money Black Card

      Kogan Money Black Card has no annual fee and no cap or expiry date on points. It comes with a 55 interest free days on purchases and a 0% balance transfer rate for the first 12 months. Earn up to $400 in Kogan.com Credit, $50 Credit on first eligible spend in 30 days and $350 Credit when you spend $1,500 on eligible purchases in 90 days from card approval.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      20.99% p.a.
      0% p.a. for 12 months and then 21.74% p.a.
      $0
      Kogan Rewards Points
      Compare
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    • Apply By 31 October 2021
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      Bendigo Bank Low Rate Credit Card

      0% p.a. on purchases for 12 months (Reverts to 11.99% p.a). Also 0% balance transfer for 12 months. Low annual fee of $45 and no fees for additional cardholders.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      0% p.a. for 12 months then 11.99% p.a.
      0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
      $45
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      Compare
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    • Apply By 30 November 2021
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      St.George Vertigo - Cashback Offer

      $300 cashback when you take out a new Vertigo Credit Card and spend $4k on eligible purchases within 120 days of the new card approval. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      13.99% p.a.
      6.99% p.a. for 12 months and then 21.49% p.a.
      $55 $0 in the first year
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      Compare
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      Details
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      MoneyMe Freestyle Virtual Mastercard

      A virtual card that’s available to use instantly once approved (approvals typically within 60 minutes). Tap n Pay, transfer money to friends and get awesome credit back offers from over 1,400 stores.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      16.99% p.a.
      No current offer
      $209 $0 - $149 based on credit limit, $5/month for balances over $20.
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      Compare
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      Details
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      Mozo Experts Choice 2020
      American Express Qantas Ultimate Card

      Receive 55,000 bonus Qantas Points when you apply, are approved, and meet the minimum spend criteria of $3,000 in the first 3 months. T&Cs apply. Available to new Card Members only.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      20.74% p.a.
      No current offer
      $450
      Qantas Frequent Flyer
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      Details
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      NAB StraightUp Card

      $10/month - $1,000 Credit Limit

      Pay no interest and no late payment fees, just a $10 monthly fee for a $1,000 credit limit. Plus, if you don't make any purchases and have an outstanding balance of $0 during the whole statement period, the monthly fee will be reversed. Also pay no foreign currency fees when you shop online or overseas. Mozo Experts Choice Credit Card Innovation Winner 2020^.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      0% p.a.
      No current offer
      $120 $10/month - waived if no spend & no balance owing
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      Compare
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      Details
    • Hot DealEnjoy invitations to exclusive Card Member sales previews, shopping nights and events.
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      David Jones American Express Card

      Receive 25,000 Qantas Points when you apply online by 28 September 2021, are approved and spend $1,500 at locations excluding David Jones on your new Card within the first three months. Available to new David Jones American Express Card Members only.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      0% p.a. for 6 months then 20.74% p.a.
      No current offer
      $99
      Qantas Frequent Flyer
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      NAB Qantas Rewards Premium Card

      65,000 bonus Qantas Points when you spend $2,500 within 60 days (T&Cs apply).

      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)
      $250
      Qantas Frequent Flyer
      Compare
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      Details
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      HSBC Platinum Credit Card

      0%p.a. on balance transfers for 36 months with no balance transfer fee. Terms and Conditions apply. Mozo Experts Choice Premium Rewards and Balance Transfer Platinum Credit Card Winner 2020.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      19.99% p.a.
      0% p.a. for 36 months and then 21.99% p.a.
      $129 $29 in the first year
      Rewards Plus
      Compare
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      Details
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      Mozo Experts Choice 2020
      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. T&C’s apply. Mozo Experts Choice Qantas Frequent Flyer Credit Card Winner 2020.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      20.74% p.a.
      No current offer
      $0
      Qantas Frequent Flyer
      Compare
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      Details
    • Apply By 30 November 2021
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      St.George Vertigo

      0% p.a. for 30 months on balance transfers requested at card application. 0% balance transfer fee applies. Rate then switches to applicable variable cash advance rate. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      13.99% p.a.
      0% p.a. for 30 months and then 21.49% p.a.
      $55 $0 in the first year
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      Compare
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      Details
    • Apply By 31 August 2021
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      Mozo Experts Choice 2020
      American Express Velocity Platinum Card

      Receive 120,000 bonus Velocity Points and 120 Status Credits when you apply online by 31 August 2021, are approved and spend $4,500 on your new Card within the first 3 months. New Card Members Only. Enjoy a complimentary domestic return flight with Virgin Australia to selected cities, each year after your first card spend.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      20.74% p.a.
      No current offer
      $375
      Velocity Frequent Flyer
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      Details
    • Apply By 30 November 2021
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      Bank of Melbourne Vertigo - Cashback Offer

      $300 cashback when you take out a new Vertigo Credit Card and spend $4k on eligible purchases within 120 days of the new card approval. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      13.99% p.a.
      6.99% p.a. for 12 months and then 21.49% p.a.
      $55 $0 in the first year
      -
      Compare
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      Details
    • Apply By 28 September 2021
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      David Jones American Express Platinum Card

      Earn 70,000 Membership Reward Points when you apply online by 28 September 2021, are approved and spend $1,500 at locations excluding David Jones on your new Card within the first three months. Available to new David Jones American Express Platinum Card Members only.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      0% p.a. for 6 months then 20.74% p.a.
      No current offer
      $295
      Membership Rewards
      Compare
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      Details

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