Best Credit Cards

Low Interest Rate of 12.49% p.a. on purchases

Low Annual Fee of $58

0% on Balance Transfers for 15 months & No Balance Transfer Fee

3% Foreign Transaction Fee

Multiple Promotional Offers to choose from (see Details) if you apply by 31 January 2020

Points Earn Rate: 1 Citi Point per $1 spent

Linked Diners Club Card has No International Transaction Fees and 2 Citi Points per $1 spent earn rate

0% on Balance Transfers for either 12, 15 or 26 months

$149 or $199 Annual Fee after your first year

3.4% International Transaction Fee

Up to $300 cashback on offer if you apply by 30 April 2020

Low purchase interest rate of 13.24%

Accessible minimum credit limit of $500

3% International Transaction Fee

No attached rewards program

No pre-set spending limit

Card is made of metal

Access to over 1,200 airport lounges worldwide

$1,450 Annual Fee

3% International Transaction Fees

$10 off at Woolworths for 2,000 points (min. $667 spend)

10% off one shop at Woolworths each month

Points earned are not the same as regular Woolworths Rewards points

200,000 Bonus Amplify Points or 90,000 Bonus Qantas Points on offer

Earn 1.5 Amplify Points or 0.75 Qantas Points for each dollar spent on eligible purchases, uncapped. Plus, receive Birthday Bonus Points

0% pa. on Balance Transfers for 6 months

$179 Annual Card Fee for the first year ($279 thereafter)

3% Overseas Transaction Fee

No annual fee

40,000 Reward Points or 20,000 Qantas Points on offer

3% Currency Conversion Fee

25,000 Bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval

1 Reward Point per $1 spent on eligible purchases up to $1,000 per statement period

3% Overseas Transaction Fee

100,000 Bonus Awards Points if you apply by 29 Feb 2020 and spend $4,000 within 90 days from activation

Earn 1 Awards point for every $1 spent

$249 Annual Fee

3% International Transaction Fee

$0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases

Earn up to 1.25 Membership Rewards Points per $1

0% p.a. on Balance Transfers for the first 12 months

Smartphone Screen Insurance

3% Balance Transfer Fee

$200 Travel Credit each year

Earn up to 3 Membership Rewards Points per $1

0% p.a. on Balance Transfers for the first 12 months

Complimentary Travel Insurance

$195 Annual Fee

0% p.a. Interest Rate on purchases for the first 12 months

0% p.a. on Balance Transfers for 12 months, 0% Balance Transfer Fee

Refunded $129 Annual Fee if you spend $6,000 or more on purchases each year

Earn up to 2 Rewards Plus Points per dollar

3% Overseas Exchange Fees

Earning Points capped at 10,000 per statement period

No Annual Fee

Set up instalment payments for a reduced rate

50,000 bonus Velocity Points on offer

Complimentary Virgin Australia return economy domestic flight and lounge passes each anniversary year

Complimentary Travel Insurance

$375 Annual Fee

1% Balance Transfer Fee

$59 Annual Fee, 13.99% Standard Purchase Rate

0% p.a. on Purchases and Balance Transfers for 6 months

Minimum Credit Limit of $500

2% Balance Transfer Fee

3% Foreign Transaction Fee

Up to 120,000 Bonus Rewards Points on offer

0% p.a. on Balance Transfers for 15 months

Earn up to 2 Citi Rewards Points per $1 spent

Linked Diners Club Card includes uncapped earn rate of 2 Points per $1 and No International Transaction Fees

High $199 Annual Fee in the first year & $395 for each subsequent year

1% Balance Transfer Fee

3.4% International Transaction Fee

0.75 points per $1 for the first $3,000 each statement period

Travel insurance and shopping insurance available

Points earn rate reduced to 0.5 after $3,000 per statement period

$0 Annual Fee

0% p.a. on Balance Transfers for the 12 months

1% Balance Transfer Fee