Best Credit Cards

115,000 Bonus Points on offer every anniversary year

Earn 2.5 More Rewards Points per $1 spent on eligible purchases

No Foreign Transaction Fees

Complimentary Travel Insurance and Shopping Insurances

$270 Annual Fee

1% Balance Transfer Fee

Variable Purchase Rate of 9.90% p.a.

No Foreign Transaction Fees

Accessible Minimum Credit Limit of $500

$9 Monthly Card Fee (equivalent to $108 each year)

No attached rewards program

$60 Annual Fee

$120 cash back if you spend $500 per month on retail purchases for the first 3 months

Earn 1 Q Rewards Point for every dollar spent on eligible transactions

0% on Balance Transfers for 6 months

3.4% International Transaction Fee

$55 Annual Fee (waived when you spend at least $25,000 per annum on Visa Purchases)

$0 First Year Annual Card Fee plus $0 Annual Fee in subsequent years when you spend $10,000 or more each year

0% p.a. on purchases for up to 9 months from card approval if you apply by 15 October 2022

Transit Accident Insurance and Overseas Travel Insurance Cover

$90 Annual Fee after your first year if you don't spend the required $10,000 each year

No Annual Fee

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

Fraud Protection feature

1% Balance Transfer Fee

3% International Transaction Fee

Relatively high 20.74% p.a. Interest Rate on purchases

13.99% p.a. Interest Rate on purchases

Low 11.99% Interest Rate on Purchases, Cash Advances and Balance Transfers

Low $49 Annual Fee

Accessible Minimum Credit Limit of $500

3% Foreign Currency Conversion Fee

Sign up and receive up to 120,000 Qantas Points (see Details)

Points Earn Rate: 1 Qantas Point per $1 up to $5,000 per statement period

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

$395 Annual Fee

2% Balance Transfer Fee

3% International Transaction Fee

0% p.a. on Purchases for 15 months (minimum monthly repayments required)

0% p.a on Balance Transfers for 6 months

$100 Annual Fee

2% Balance Transfer Fee

$0 first year Annual Fee

Low Ongoing Purchase Rate of 9.90% p.a.

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

No Foreign Transaction Fees

$99 Annual Fee after your first year

30,000 bonus Qantas Points on offer

Earn up to 1 Qantas Point for every $1 spent

$249 Annual Fee

1% Balance Transfer Fee

$0 Annual Fee in your first year

1,000 Bonus Q Rewards points every month when you spend $1,000 per month on eligible transactions for the first 12 months

Earn 2 Q Rewards credit card points for every $1 spent

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

$129 Annual Fee after your first year

100,000 Bonus Amplify Points or 60,000 Bonus Qantas Points on offer

Earn 1 Amplify Point or 0.5 Qantas Points per $1 spent on eligible purchases

Complimentary Travel Insurance and Extended Warranty Insurance

$99 Annual Card Fee

3% Overseas Transaction Fee

Up to 150,000 Bonus Qantas Points on offer

No Annual Fee in your first year

Earn up to 1 Qantas Point per $1 spent

0% p.a. on Balance Transfers for 15 months, 0% Balance Transfer Fee

$444 Annual Fee after your first year

Minimum Credit Limit of $15,000

$0 Annual Fee in the first year and subsequent years when you spend $10,000

No International Transaction Fees

Included International Travel Insurance

100,000 bonus Reward Points and $100 back to your new ANZ Rewards Black on offer

Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period (1 Reward Point per $1 thereafter)

$375 Annual Fee

3% Foreign Transaction Fee

120,000 NAB Rewards Bonus Points on offer

Earn up to 3.75 Points per dollar

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

$295 Annual Fee

2% Balance Transfer Fee

3% International Transaction Fee

$0 Annual Fee

11.99% p.a. Variable Interest Rate

1.5% International Transaction Fee

0.8% Mastercard Cross-border Fee

Earn 75,000 Annual Bonus Points every year

Earn 2 points per $1 spent on eligible purchases

No Foreign Transaction Fees

Complimentary Travel and Shopping Insurances

$160 Annual Fee

Minimum $48,000 spend required each anniversary year to receive Bonus Points