Credit Card Offers: Compare Australian Credit Cards

NAB Low Rate Visa 3.99% p.a. on purchases for 12 months Reverts to a low 10.99% p.a. on purchases 0% p.a. balances transferred for up to 6 months $49 Annual card fee St.George Vertigo MasterCard 10.99% p.a. on purchases 0% p.a. balances transferred for up to 6 months*** $55 Annual card fee Awarded Australia’s Cheapest Balance Transfer Credit Card by Money Magazine 2009 Bankwest Credit Card 4.99% p.a. on balance transfers for 15 months. Low interest rate of 9.99%p.a.* on purchases. Annual fee of $59. Up to 3 additional cardholders for free. Aussie Credit Cards 4.99% p.a on balance transfers for the 1st 12 months. 9.99% p.a. on purchases for the 1st 12 months. Reverts to a great low rate on purchases, now just 11.49% p.a. Low annual account fee of $49. ANZ Low Rate Credit Card 0% on balance transfers for 6 months Low interest rate of 11.74% on purchases Up to 55 days' interest free on all purchases Annual card fee of $58

ANZ Low Rate Credit Card The latest credit card offer from ANZ sees 4.9% p.a. on purchases for 12 months. If you are looking for a new credit card and like to spend plus enjoy an ongoing low 11.74% p.a. on purchases this limited offer is definitely worth a look. Offer ends 4th July.   Citibank Gold Credit Card Credit Card Offers and Citibank have teamed up to provide this great exclusive offer. You won't be able to get this credit card deal anywhere else. Get a bonus 5000 reward points with your first use plus 2.9% p.a. on balance transfers for 12 months. How much interest can you save over the 12 months period? The Citibank Gold credit card also gives you access to its top rated Rewards programme FREE. Citibank Platinum Credit Card Another exclusive credit card offer: Save $125 off the annual card fee for the first year on the platinum credit card. With the Citibank platinum credit card you get free access to both a Personal Concierge plus limited edition entertainment experiences through Citibank World Privileges. Receive all the benefits you deserve with this leading platinum credit card. Please note that a minimum income of $50,000 p.a. is required to apply for this card. Don't you deserve the benefits of platinum with a 1/2 price annual fee?

Low Rate Credit Cards

Low rate credit cards focus on providing the lowest interest rate for purchases. Low rate credit cards are best for people that don’t pay off their credit card balance every month. The more debt you have, the higher the importance of having the lowest interest rate.

		NAB Low Rate Credit Card
			Annual Fee	$49
			Intro purchases	3.99% p.a. for 12 months
			Interest rate	10.99% p.a. on purchases
			Balance transfer	0% p.a. for 6 months

		St.George Vertigo Credit Card
			Annual Fee	$49
			Interest rate	10.99% p.a. on purchases
			Balance transfer	0% p.a. for 6 months

Balance Transfer Credit Cards

Balance transfer credit cards are great for people that currently suffer high credit card debt. You can transfer the balance of your previous credit card(s) to a new provider. The new provider rewards you by charging no to very little interest for a period of time on the amount you successfully balance transfer.

		Emirates Citibank Platinum Credit Card
			Annual Fee	$199
			Interest rate	19.99% p.a. on purchases
			Balance transfer	4.9% p.a. for life
			Rewards program	$1 spent = 1.5 point

		NAB Low Rate Credit Card
			Annual Fee	$49
			Intro purchases	3.99% p.a. for 12 months
			Interest rate	10.99% p.a. on purchases
			Balance transfer	0% p.a. for 6 months

No Annual Fee Credit Cards

No annual free credit cards typically have a high level of standard interest and are best used by people that pay off their balance every month. No annual fee credit cards generally don’t offer any rewards program. They can be great to have as a second credit card for emergency access to funds. You get the ability to access funds if you need to without the annual credit card fee.

		American Express Gold Ascent Credit Card
			Annual Fee	$0
			Interest rate	19.99% p.a. on purchases
			Rewards program	$2 spent = 1 point

		ANZ First Visa Credit Card
			Annual Fee	$0 first year, save $30
			Interest rate	17.49% p.a. on purchases
			Balance transfer	7.99% p.a. for 6 months

Rewards Credit Cards

All Rewards credit cards generally charge a high level of interest. Additionally the annual fee is much higher than other credit card types. Reward credit cards are best used by people that pay off their balance every month plus have a reasonably high spend on their card. When thinking about reward cards you should forecast how much you believe you will spend in a year. Check how many points you will receive on that amount and what you can get in rewards for those points. This is also a great way to compare reward cards as 1 point in one program can be totally different to 1 point in another. If the rewards outstrip the higher credit card costs then this type of card is for you.

		Citibank Gold Credit Card
			Annual Fee	$119
			Interest rate	19.99% p.a. on purchases
			Balance transfer	2.9% p.a. for 12 months
			Rewards program	$1 spent = 1 point

		NAB Qantas Platinum Credit Card
			Annual Fee	$290
			Interest rate	17.99% p.a. on purchases
			Balance transfer	6.99% p.a. for 6 months
			Rewards program	$1 spent = 1.5 point

Frequent Flyer Credit Cards

These are a type of rewards credit card whereby the main rewards are points that can be used for free tickets or upgrades on flights. Frequent flyer cards are best used by people that travel regularly and have a decent credit card spent every month. They typically attract the highest level of interest, therefore are best for people that pay off their balance each month.

		Qantas American Express Premium Credit Card
			Annual Fee	$249
			Interest rate	19.99% p.a. on purchases
			Rewards program	$1 spent = 1.25 point

		Velocity NAB Credit Card
			Annual Fee	$65 / $150 (gold)
			Interest rate	17.99% p.a. on purchases
			Balance transfer	3.99% p.a. for 6 months
			Rewards program	$2 spent = 1.5 point

Debit Cards

Debit cards are issued through Visa or MasterCard meaning that they can be used anywhere that the respective credit cards are accepted. Instead of being charged interest you load your own money onto the cards and then use them as you would a credit card. They can be very convenient when travelling to replace carrying cash around. Additionally you don’t have to be over 18 to apply.

NAB Visa Debit Card

St.George Visa Debit Card