Anúncios
This directory puts every major Australian credit card in one place — so you can compare across categories without visiting dozens of separate product pages.
Ready to apply? Compare live rates on Australia’s largest platform:
COMPARE ALL CARDS ON CANSTAR →
✓ Official site • ✓ Free • ✓ No registration
Want the detailed breakdown by category? Start with the complete comparison:
Or jump to the cards that pay you back on every purchase:
✓ You’ll stay on this site • ✓ Free content • ✓ No sign-up
Cards are grouped by category. Each entry shows the key numbers that determine real-world value: annual fee, purchase rate, earn rate, current sign-up bonus and foreign transaction fee. Use the dedicated guides below for deeper analysis of whichever category matches your needs.
📋 On this page:
No Annual Fee Credit Cards
| Card | Annual Fee | Purchase Rate | Foreign Fee | Rewards |
|---|---|---|---|---|
| Bankwest Zero Platinum | $0 | 19.99% | 0% | None |
| Coles No Annual Fee | $0 | 19.99% | 3% | Flybuys |
| Latitude 28° Global Platinum | $0 | 21.99% | 0% | None |
| NAB StraightUp $1,000 | $0 | 0% | N/A | None (fixed monthly fee) |
| CommBank No Annual Fee | $0 yr1 | 20.24% | 3% | None |
Full guide: Best no annual fee credit cards in Australia →
Cashback Credit Cards
- Coles Mastercard — 2% cashback (Flybuys), $0, Coles supermarkets — guide →
- Woolworths Money Card — up to 3%, $0, Woolworths/BWS/Big W
- ANZ Cashback World — 1% uncapped, $95/yr, all eligible spend
- CommBank Smart Awards — 1.25% eligible, $0 first year
Frequent Flyer Cards — Qantas
- Amex Qantas Ultimate — 1.25 pts/$1, $450/yr, 100,000 bonus pts — guide →
- ANZ Frequent Flyer Black — 1.0 pt/$1, $425/yr, up to 130,000 pts
- NAB Qantas Rewards Premium — 0.66 pts/$1, $250/yr, up to 70,000 pts
- Westpac Altitude Qantas Black — 0.5 pts/$1, $250/yr, up to 80,000 pts
Frequent Flyer Cards — Velocity
- Westpac Altitude Black Velocity — 1.25 pts/$1 Velocity, $250/yr, 100,000 bonus pts
- ANZ Rewards Black — 3.0 Reward pts/$1 (convertible), $375/yr, 180,000 pts
- NAB Rewards Platinum — 2.0 Reward pts/$1 (convertible), $195/yr, 80,000 pts
Balance Transfer Cards
- Westpac Low Rate — 0% for 32 months, 2% fee, reverts 13.74%, $59/yr — guide →
- NAB Low Rate — 0% for 28 months, 2% fee, reverts 12.99%, $59/yr
- ANZ Low Rate — 0% for 25 months, 2% fee, lowest revert 12.49%, $58/yr
- CommBank Low Rate — 0% for 22 months, 2% fee, reverts 13.49%, $59/yr
Low Interest Rate Cards
- ANZ Low Rate — 12.49% p.a., $58/yr — credit rebuild guide →
- NAB Low Rate — 12.99% p.a., $59/yr
- Bankwest Breeze Classic — 12.99% p.a., $49/yr
- CommBank Low Rate — 13.49% p.a., $59/yr
- Westpac Low Rate — 13.74% p.a., $59/yr
Premium and Black Cards
- Amex Platinum — $1,450/yr, airport lounges + $450 travel credit, $100k+ income
- ANZ Rewards Black — $375/yr, highest sign-up bonus in market, $75k+ income
- Westpac Altitude Black — $250/yr, Velocity + travel insurance, $75k+ income
- CommBank Ultimate Awards — $180/yr, flexible points + travel benefits, $50k+ income
Newcomers and First Cards
- NAB Classic Card — $0, $15,000 min. income, no history required — guide →
- ANZ First Card — $30/yr, $15,000 min. income, limited history ok
- CommBank Low Fee — $0 first year, $25,000 min. income
- Bankwest Breeze Classic — $49/yr, $25,000 min. income, low rate
- Latitude GO Mastercard — $0, $25,000 min. income, flexible approval
✅ Looking for the full breakdown of any specific category? Return to the main guide or use the links above to jump directly to whichever category matters most.
Compare on Finder for a second opinion on rates and fees:
✓ Official site • ✓ Free • ✓ No registration
Frequently Asked Questions
How often is this directory updated? ▼
Rates, fees and sign-up bonus offers change frequently — sometimes weekly. This directory is reviewed monthly, but always verify current terms directly with the issuing bank before applying.
Which card has the lowest interest rate in Australia? ▼
ANZ Low Rate currently offers 12.49% p.a. — the lowest among the major banks as of May 2026. See the balance transfer guide if you’re looking to reduce interest on an existing balance.
Are there credit cards with no foreign transaction fees in Australia? ▼
Yes — Bankwest Zero Platinum and Latitude 28° Global Platinum charge 0% foreign fees with no annual fee. See the no annual fee guide for full details.
How do I choose between Qantas and Velocity points? ▼
Fly mostly Qantas? Choose a Qantas card. Fly Virgin? Choose Velocity. Both? CommBank Awards lets you transfer to either program. The frequent flyer guide compares both programs.
What’s the best card for international travel? ▼
Bankwest Zero Platinum for fee elimination (no annual fee, no foreign fee). Amex Qantas Ultimate for points if you fly frequently. The choice depends on whether you prioritise cost minimisation or rewards accumulation while overseas.
Can I hold multiple credit cards in Australia? ▼
Yes — many Australians hold two cards: one for rewards, one as a no-fee backup. Return to the full guide for a category breakdown to identify the best combination.
This article is for informational purposes only and does not constitute financial or legal advice. Credit card terms, rates and offers change frequently. Always verify current conditions directly with the issuing bank before applying.
