Credit Cards

Fact Checked
credit cards

Credit card comparisons on Mozo

Mozo may receive payment if you click products on our site. We don’t compare the entire market, but you can search our database of 195 products
Last updated 19 February 2025Important disclosures
  • Citi Rewards - Rewards Points Offer

    100,000 bonus Citi reward Points when you spend $5,000 on eligible purchases within 3 months from approval. That’s $400 when you Pay with Points! Earn up to 1 Citi reward Point per $1 on eligible transactions. Apply for a credit limit from $2,000 up to $100,000. This product is provided by National Australia Bank Limited, using certain trademarks temporarily under licence from Citigroup Inc.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    22.49% p.a.
    No current offer
    $199 $99 in the first year
    Citi Rewards Program
    Compare
    Details
  • Apply By 18 March 2025
    American Express Qantas Ultimate Card

    Receive 100,000 bonus Qantas Points when you apply online by 18 March 2025, are approved, and spend $5,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    23.99% p.a.
    No current offer
    $450
    Qantas Frequent Flyer
    Compare
    Details
  • Citi Clear Credit Card - Balance Transfer Offer

    0% p.a. for 20 Months on balance transfers. 2% balance transfer fee applies. Rate reverts to cash advance rate. $99 annual fee. Enjoy a low ongoing variable purchase rate of 14.99% p.a. This product is provided by National Australia Bank Limited, using certain trademarks temporarily under licence from Citigroup Inc.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    14.99% p.a.
    0% p.a. for 20 months and then 22.24% p.a. (2.00% balance transfer fee)
    $99
    -
    Compare
    Details
  • NAB Low Rate Card - Cash Back Offer

    Score $300 Cashback when you spend $1,500 on purchases within 90 days from account opening (T&Cs apply). 0% p.a. on balance transfers (BT) for 12 months. A 3% balance transfer fee applies. Unpaid balance transfer reverts to variable cash advance rate. Up to 55 days interest free on purchases when you pay your account in full by the monthly due date.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    13.49% p.a.
    0% p.a. for 12 months and then 21.74% p.a. (3.00% balance transfer fee)
    $59
    -
    Compare
    Details
  • American Express Velocity Escape Plus Card

    Receive 20,000 bonus Velocity Points when you apply online, are approved, and spend $1,000 on eligible purchases on your new American Express Velocity Escape Plus Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only. Get 1.75 Velocity Points per $1 spent on eligible purchases with Virgin Australia. Spend $50 or more on eligible flights on your Card with Virgin Australia and receive a $50 statement credit. T&Cs apply.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    23.99% p.a.
    No current offer
    $95
    Velocity Frequent Flyer
    Compare
    Details
  • Citi Rewards - Balance Transfer and Purchases offer

    Enjoy 0% p.a. for 15 months on purchases and balance transfers. Balance transfer reverts to cash advance rate. Earn up to 1 Citi reward Point per $1 on eligible transactions. Apply for a credit limit from $2,000 up to $100,000. Balance transfer fee applies. This product is provided by National Australia Bank Limited, using certain trademarks temporarily under licence from Citigroup Inc.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    0% p.a. for 15 months then 22.49% p.a.
    0% p.a. for 15 months and then 22.99% p.a. (2.00% balance transfer fee)
    $199
    Citi Rewards Program
    Compare
    Details
  • Apply By 8 April 2025
    American Express Explorer® Credit Card

    Receive 100,000 Bonus Membership Rewards® Points when you apply online by 8 April 2025, are approved, and spend $4,000 on eligible purchases on your new American Express Explorer® Credit Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    23.99% p.a.
    No current offer
    $395
    Membership Rewards
    Compare
    Details
  • NAB Low Rate Card - Balance Transfer Offer

    Spend with confidence with a low variable purchase rate and 0% p.a. interest on balance transfers for the first 24 months. Unpaid balance transfer reverts to variable cash advance rate. 3% balance transfer fee applies. There’s also up to 55 interest free days on purchases to help you manage your budget when you pay your account in full by the due date. Minimum credit limit $1,000. Low annual fee. T&Cs, fees, charges and eligibility criteria apply.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    13.49% p.a.
    0% p.a. for 24 months and then 21.74% p.a. (3.00% balance transfer fee)
    $59
    -
    Compare
    Details
  • Apply By 6 May 2025
    American Express Essential® Rewards Credit Card

    Receive 60,000 Bonus Membership Rewards® Points when you apply online by 6 May 2025, are approved, and spend $3,000 on eligible purchases on your new American Express Essential® Rewards Credit Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    23.99% p.a.
    No current offer
    $108
    Membership Rewards
    Compare
    Details
  • Apply By 21 January 2025
    American Express Velocity Platinum Card

    Receive 100,000 bonus Velocity Points when you apply online by 30 April 2025, are approved, and spend $3,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    23.99% p.a.
    No current offer
    $440
    Velocity Frequent Flyer
    Compare
    Details
Search now

^See information about the Mozo Experts Choice Credit cards Awards

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 providers we compare at Mozo

Save with deals from the following well-known brands and many more...

See more credit card providers

Credit Card Resources

Views, news, tips and guides to help find the best credit card for you.

Credit Card Reviews

Commonwealth Bank Credit Card
Overall 4/10
Banks have taken advantage of busy customers

No rewards for both credit cards therefore I am Looking at other banks that offer rewards system for card usage

Read full review

No rewards for both credit cards therefore I am Looking at other banks that offer rewards system for card usage

Price
7/10
Features
1/10
Customer service
5/10
Convenience
2/10
Less
Shona, Western Australia, reviewed 20 days ago
Commonwealth Bank Awards Credit Card
Overall 7/10
Great customer service

Have always been pleased with the customer service- this is really important to me. You can speak to a human!

Read full review

Have always been pleased with the customer service- this is really important to me. You can speak to a human!

Price
5/10
Features
7/10
Customer service
8/10
Convenience
8/10
Trust
9/10
Less
Mikaila, South Australia, reviewed 27 days ago
Westpac Credit Card
Overall 8/10
Reliable with great features, but fees can be high

I like Westpac because it is one of Australia's most established and trusted banks, offering a wide range of financial services that cater to both personal and business needs. Their digital banking platform is user-friendly and packed with features that make managing finances easy, from budgeting tools to seamless payments. I also appreciate their extensive branch and ATM network, which provides convenience for in-person banking when needed. Additionally, Westpac’s commitment to sustainability and ethical practices aligns with my values, making me feel good about banking with them. However, one downside is that their fees can be on the higher side compared to some competitors, and at times, the customer service experience can be inconsistent, particularly during peak periods. Despite these minor drawbacks, I find that the overall benefits and reliability of Westpac outweigh the negatives.

Read full review

I like Westpac because it is one of Australia's most established and trusted banks, offering a wide range of financial services that cater to both personal and business needs. Their digital banking platform is user-friendly and packed with features that make managing finances easy, from budgeting tools to seamless payments. I also appreciate their extensive branch and ATM network, which provides convenience for in-person banking when needed. Additionally, Westpac’s commitment to sustainability and ethical practices aligns with my values, making me feel good about banking with them. However, one downside is that their fees can be on the higher side compared to some competitors, and at times, the customer service experience can be inconsistent, particularly during peak periods. Despite these minor drawbacks, I find that the overall benefits and reliability of Westpac outweigh the negatives.

Price
9/10
Features
9/10
Customer service
9/10
Convenience
9/10
Trust
9/10
Less
Brenton, New South Wales, reviewed 27 days ago

More credit card reviews

Calculators

Switch and Save

See calculator

Debt repayments calculator

See calculator