credit cards

Top Credit Cards of 2021

Top Credit Cards - last updated March 01, 2021

Search promoted credit cards below or do a full Mozo database search. Advertiser disclosure.
  • Apply By May 31, 2021
    Bendigo Bank Low Rate Credit Card

    0% p.a. balance transfer for 18 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 18 months and then 11.99% p.a. (2.00% balance transfer fee)
    $45
    -
    Compare
    Details
  • Bankwest Zero Mastercard

    No annual fee and up to 55 days interest free on purchases. Get a notification before your minimum payment is due by setting up Easy Alerts in the Bankwest app.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    17.99% p.a.
    2.99% p.a. for 9 months and then 17.99% p.a.
    $0
    -
    Compare
    Details
  • Hot DealLimited time cashback offer
    Westpac Low Rate

    Enjoy 0% p.a. interest on balance transfers for the first 24 months. Get $200 cashback with $1k minimum spend on eligible purchases within 90 days of card approval. 55 interest free days and low on-going rate of 13.74% on all purchases.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    13.74% p.a.
    0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
    $59
    -
    Compare
    Details
  • 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
    Details
  • 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
  • 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
    -
    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
  • Apply By May 31, 2021
    Citi Simplicity

    There is no annual fee ever, you'll get up to 55 days interest free, free wine when you dine with the Citi Dining Program and the convenience of worldwide acceptance with Visa and Visa payWave. Plus for the first 6 months you'll enjoy 0% on balance transfers.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    0% p.a. for 6 months then 21.49% p.a.
    0% p.a. for 6 months and then 22.24% p.a.
    $0
    -
    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
  • 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
    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

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 3 days 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 3 days 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 4 days ago

More credit card reviews

Credit card guides

Credit Card Buyer Guide Min (2)
Credit card interchange fees guide

A few years ago, you may have never come across the term “interchange fees”. Instead it was reserved for those in the banking world to discuss the profit margins of banks. 

Person Paying With Mobile
Mobile payments: a guide to paying with your smartphone

If predictions by the experts ring true, the days of paying with cash and coins could soon be a thing of the past. In fact, that could be as soon as 2022, according to a 2019 CommBank report. 

7 Common Card Mistakes Min
How to avoid 7 of the most common credit card mistakes

Thinking about getting a credit card? Or maybe you already have one, and you just want to brush up on the best ways to keep clear of debt?

Credit Card For Everyday Spender
Credit cards for everyday spenders

Do you use your credit card for everyday spending - like grabbing lunch, shopping for groceries or loading up your Opal card? The right piece of plastic can be a useful addition to your wallet when...

Managing Your Credit Card Balance Min
Managing your credit card balance

The best advice Mozo was given when it comes to credit card balance, is to never spend beyond your means. There’s more of where that came from, so come in a little closer to hear all the tips we co...

Fees Come With Rewards Card Original Min
Avoiding Credit Card Fees

Credit cards definitely have their perks and place in our wallets. However, they do come hand in hand with that nasty, annoying and often expensive thing called fees! Credit card fees can quickly a...

Pay Wave And Pay Pass Min
Just one tap: A guide to payWave and PayPass

First it was the smart phone, now it's the smart credit card! Visa payWave and MasterCard PayPass are increasing in popularity, as merchants and customers desire faster transactions.

More credit card guides

Calculators

Switch and Save

See calculator

Debt repayments calculator

See calculator