Student credit cards

Student credit card comparisons on Mozo - rates updated daily

  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • 75 bonus Status Credits when you buy and fly return with Qantas by 31 May 2018. Apply and be approved by 24 Jan 2018

    balance transfer rate

    No current offer

    purchase rate

    19.99% p.a.

    annual fee

    $425 $0 in the first 1 year

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    • 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • 75 bonus Status Credits when you buy and fly return with Qantas by 31 May 2018. Apply and be approved by 24 Jan 2018
    • Balance transfer rate: No current offer
    • Annual fee: $425 $0 in the first 1 year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.9

    Based on 1932 ANZ 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
    • Earn 1 Qantas Point for every $1 spent on Card purchases (T&Cs apply)

    balance transfer rate

    0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $0

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    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 12 months
    • Earn 1 Qantas Point for every $1 spent on Card purchases (T&Cs apply)
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% 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:
    • 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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  • MOZO EXPERTS CHOICE AWARDS 2016

    Woolworths Everyday Platinum Credit Card

    Woolworths Everyday Platinum Credit Card

    • $50 Woolworths eGift card after you make your first purchase (T&C’s Apply)
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $0 annual fee for the first year (saving $49)

    balance transfer rate

    0% p.a. for 14 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $49 $0 in the first 1 year

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    • $50 Woolworths eGift card after you make your first purchase (T&C’s Apply)
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $0 annual fee for the first year (saving $49)
    • Balance transfer rate: 0% p.a. for 14 months and then 21.99% p.a.
    • Annual fee: $49 $0 in the first 1 year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, minimum $5
    • Rewards description: Woolworths Money Shopping Card sent every 4 months if enough points have been accrued.
    Overall rating

    5.8

    Based on 82 Woolworths credit card reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Explorer® Credit Card

    American Express Explorer® Credit Card

    • Receive 50,000 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 and then 20.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $395

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    • Receive 50,000 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 and then 20.74% p.a. (1.00% 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:
    • 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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  • ME frank Credit Card

    ME frank Credit Card

    • Experts Choice Winner - No Annual Fee 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

    No current offer

    purchase rate

    11.99% p.a.

    annual fee

    $0

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    • Experts Choice Winner - No Annual Fee 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: No current offer
    • 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 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 and then 21.99% p.a.

    purchase rate

    21.99% p.a.

    annual fee

    $0

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    • Award winning credit card
    • $0 overseas fees on purchases
    • 24/7 Worldwide Concierge Service
    • Balance transfer rate: 4.99% p.a. for 6 months and then 21.99% p.a.
    • 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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  • CUA Platinum Credit Card

    CUA Platinum Credit Card

    • $0 annual fee for the first year
    • 1 point for every dollar spent
    • Purchase Protection Insurance

    balance transfer rate

    0% p.a. for 13 months and then 21.74% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $149 $0 in the first 1 year

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    • $0 annual fee for the first year
    • 1 point for every dollar spent
    • Purchase Protection Insurance
    • Balance transfer rate: 0% p.a. for 13 months and then 21.74% p.a.
    • Annual fee: $149 $0 in the first 1 year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 2.00%, Min $3.50
    • Rewards description: Redeem your points for cashback, retail rewards, shopping gift cards and travel.
    Overall rating

    7.8

    Based on 27 CUA credit card reviews

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  • HSBC Platinum Credit Card

    HSBC Platinum Credit Card

    • 0% p.a. on balance transfers for 22 months. Conditions apply
    • Offer available to new customers who apply by 31 December 2017
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases

    balance transfer rate

    0% p.a. for 22 months and then 21.99% p.a. (2.00% balance transfer fee)

    purchase rate

    19.99% p.a.

    annual fee

    $129 Refunded when you spend over $6,000 p.a

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    • 0% p.a. on balance transfers for 22 months. Conditions apply
    • Offer available to new customers who apply by 31 December 2017
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases
    • Balance transfer rate: 0% p.a. for 22 months and then 21.99% p.a. (2.00% balance transfer fee)
    • Annual fee: $129 Refunded when you spend over $6,000 p.a
    • 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: Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    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 and then 17.99% p.a.

    purchase rate

    17.99% p.a.

    annual fee

    $0

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    • 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 and then 17.99% p.a.
    • 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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  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Velocity Platinum Card

    American Express Velocity Platinum Card

    • 0% p.a. on balance transfers for the first 12 months
    • Earn up to 2.5 Velocity points per dollar spent on eligible purchases
    • Receive 50,000 Membership Rewards Bonus Points (T&Cs apply)

    balance transfer rate

    0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $375

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    • 0% p.a. on balance transfers for the first 12 months
    • Earn up to 2.5 Velocity points per dollar spent on eligible purchases
    • Receive 50,000 Membership Rewards Bonus Points (T&Cs apply)
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $375
    • Purchase rate: 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points automatically transferred to your Velocity account
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

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  • ANZ Frequent Flyer Platinum

    ANZ Frequent Flyer Platinum

    • 65,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • Available with Android, Samsung and Apple Pay

    balance transfer rate

    No current offer

    purchase rate

    19.99% p.a.

    annual fee

    $295 $0 in the first 1 year

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    • 65,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • Available with Android, Samsung and Apple Pay
    • Balance transfer rate: No current offer
    • Annual fee: $295 $0 in the first 1 year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.9

    Based on 1932 ANZ credit card reviews

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  • Bankwest Breeze Platinum Mastercard

    Bankwest Breeze Platinum Mastercard

    • 0% p.a. on balance transfers for 13 months (2% BT fee applies)
    • Complimentary Credit Card Travel Insurance (T&Cs apply)
    • No foreign transaction fees on online and overseas purchases

    balance transfer rate

    0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

    purchase rate

    0% p.a. for 13 months then 12.99% p.a.

    annual fee

    $99

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    • 0% p.a. on balance transfers for 13 months (2% BT fee applies)
    • Complimentary Credit Card Travel Insurance (T&Cs apply)
    • No foreign transaction fees on online and overseas purchases
    • Balance transfer rate: 0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)
    • Annual fee: $99
    • Purchase rate: 0% p.a. for 13 months then 12.99% 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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  • NAB Low Rate Platinum Card

    NAB Low Rate Platinum Card

    • 0%p.a. on balance transfer for 6 months
    • Up to 55 days interest free on purchases
    • Secure online application and fast response

    balance transfer rate

    0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

    purchase rate

    0% p.a. for 9 months then 13.99% p.a.

    annual fee

    $100

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    • 0%p.a. on balance transfer for 6 months
    • Up to 55 days interest free on purchases
    • Secure online application and fast response
    • Balance transfer rate: 0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
    • Annual fee: $100
    • Purchase rate: 0% p.a. for 9 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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  • Bankwest More World Mastercard

    Bankwest More World Mastercard

    • 115,000 annual bonus points each year (min spend applies)
    • Earn 2.5 points for every $1 dollar you spend on eligible purchases
    • No foreign transaction fees on online and overseas purchases

    balance transfer rate

    0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

    purchase rate

    19.99% p.a.

    annual fee

    $270

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    • 115,000 annual bonus points each year (min spend applies)
    • Earn 2.5 points for every $1 dollar you spend on eligible purchases
    • No foreign transaction fees on online and overseas purchases
    • Balance transfer rate: 0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
    • Annual fee: $270
    • Purchase rate: 19.99% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description: Redeem your points for cashback, travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    7.7

    Based on 298 Bankwest credit card reviews

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  • Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer and Points Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer and Points Offer

    • 0% p.a. on balance transfers for 18 months
    • Earn 3 bonus Velocity Points on top of standard earn rates in first 3 months
    • 1/2 annual fee in the first year

    balance transfer rate

    0% p.a. for 18 months and then 20.99% p.a.

    purchase rate

    20.74% p.a.

    annual fee

    $129 $65 in the first 1 year

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    • 0% p.a. on balance transfers for 18 months
    • Earn 3 bonus Velocity Points on top of standard earn rates in first 3 months
    • 1/2 annual fee in the first year
    • Balance transfer rate: 0% p.a. for 18 months and then 20.99% p.a.
    • Annual fee: $129 $65 in the first 1 year
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description: Points are credited to the Velocity Frequent Flyer program.
    Overall rating

    5.7

    Based on 97 Virgin Money credit card reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Qantas Ultimate Card

    American Express Qantas Ultimate Card

    • Receive 55,000 bonus Qantas Points (T&Cs apply)
    • Earn 1.5 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance

    balance transfer rate

    0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $450

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    More info

    • Receive 55,000 bonus Qantas Points (T&Cs apply)
    • Earn 1.5 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% 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:
    • 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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  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Essential Credit Card

    American Express Essential Credit Card

    • 0% p.a. on balance transfers for the first 12 months — A one-off credit plan establishment fee of 3% applies
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee

    balance transfer rate

    0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)

    purchase rate

    14.99% p.a.

    annual fee

    $0

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    • 0% p.a. on balance transfers for the first 12 months — A one-off credit plan establishment fee of 3% applies
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee
    • Balance transfer rate: 0% p.a. for 12 months and then 14.99% p.a. (3.00% 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:
    • 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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<superscript>**</superscript>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.

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