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 15 April 2021

    Search promoted credit cards below or do a full Mozo database search. Advertiser disclosure.
    • Apply By 1 August 2021
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      Bendigo Bank Low Rate Credit Card

      0% p.a. balance transfer for 24 months (Reverts to 11.99% p.a). Low annual fee of $45 and no fees for additional cardholders.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      11.99% p.a.
      0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
      $45
      -
      Compare
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      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
      Balance transfer rate
      Annual fee
      Rewards program
      10.99% p.a.
      0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
      $49 $0 in the first year
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    • Apply By 7 September 2021
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      Westpac Low Rate

      Enjoy a super low rate of 13.74% with 55 days interest free plus 0% balance transfer for up to 28 months at 1% BT fee. No annual card fee for the first year, $59 thereafter.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      13.74% p.a.
      0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
      $59 $0 in the first year
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      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
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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 Annual fee may vary.
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      St.George Vertigo

      0% p.a. for 28 months on balance transfers requested at card application. 0% balance transfer fee applies. Rate then switches to applicable variable cash advance rate. New cards only, Eligibility criteria and T&Cs apply. Offer ends September 28th 2021.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      13.99% p.a.
      0% p.a. for 28 months and then 21.49% p.a.
      $55
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      Compare
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      Details
    • Apply By 3 May 2021
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      Mozo Experts Choice 2020
      American Express Explorer® Credit Card

      Receive 90,000 Bonus Membership Rewards Points and get $300 back when you apply online by 3 May 2021, are approved and spend $3,000 on your new Card within the first 3 months. T&Cs apply. New Card Members only.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      20.74% p.a.
      No current offer
      $395
      Membership Rewards
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      Details
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      ME frank Credit Card

      Meet Frank, a low rate credit card with up to 55 interest free days and no annual fee. If simple, hassle free spending is your goal, you and Frank might be a match made in heaven.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      11.99% p.a.
      No current offer
      $0
      -
      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
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      NAB Qantas Rewards Signature Card

      NABs fastest way to earn Qantas Points. 110,000 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. Access to 6 complimentary insurances when you make eligible purchases.

      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
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      Details
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      Bank of Melbourne Vertigo

      0% p.a. for 28 months on balance transfers requested at card application. 0% balance transfer fee applies. Rate then switches to applicable variable cash advance rate. New cards only, Eligibility criteria and T&Cs apply. Offer ends September 28th 2021.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      13.99% p.a.
      0% p.a. for 28 months and then 21.49% p.a.
      $55
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      Compare
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      Details
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      St.George No Annual Fee

      0% p.a. for 12 months on APR requested at card application. The special promotional purchase rate applies from card approval, after the promotional period, the rate will switch to the variable purchase rate. New cards only, Eligibility criteria and T&Cs apply. Offer ends September 28th 2021.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      0% p.a. for 12 months then 20.74% p.a.
      6.99% p.a. for 12 months and then 21.49% p.a.
      $0
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      Compare
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      Details
    • Apply By 7 September 2021
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      Westpac Altitude Platinum

      Earn up to 60,000 bonus Qantas Points ($3k min. spend in the first 90 days on eligible purchases). Enjoy up to 45 days interest free with a 0% balance transfer for 18 months (rate then reverts to 21.49% after). 1% BT fee. $99 + $50 Annual Qantas Rewards card fee for the first year.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      20.49% p.a.
      0% p.a. for 18 months and then 21.49% p.a. (1.00% balance transfer fee)
      $200 $149 in the first year
      Qantas Frequent Flyer
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      ING Orange One Low Rate Credit Card

      With a low interest rate, no annual fee and, if per account, you meet the eligibility criteria, no ING International Transaction Fees when you shop overseas or online. Automatic repayments from eligible ING accounts.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      11.99% p.a.
      No current offer
      $0
      -
      Compare
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      Details
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      BankSA Vertigo

      0% p.a. for 28 months on balance transfers requested at card application. 0% balance transfer fee applies. Rate then switches to applicable variable cash advance rate. New cards only, Eligibility criteria and T&Cs apply. Offer ends September 28th 2021.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      13.99% p.a.
      0% p.a. for 28 months and then 21.49% p.a.
      $55
      -
      Compare
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      Details
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      ING Orange One Rewards Platinum Credit Card

      Get up to $30 a month cashback on your spend per account, and, if you meet the eligibility criteria, no ING International Transaction Fees when you shop overseas or online. Automatic repayments from eligible ING accounts.

      Purchase rate
      Balance transfer rate
      Annual fee
      Rewards program
      16.99% p.a.
      No current offer
      $149
      Cashback Rewards
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      Details

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