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Today's featured Credit Cards
Lowest purchase rate for your filters
A new way to pay with no interest, a low maximum credit limit and a simple monthly fee based on your limit.
Lowest purchase rate for your filters
CommBank's simplest credit card yet with no interest and no late fees. Just a simple monthly fee.
Comparing 157 products
10 membership-required and 47 business products hidden from this list.
| Product | Annual fee | Interest-free days | Cash advance rate | Actions | ||||
|---|---|---|---|---|---|---|---|---|
 | Purchase rate15.85% | Annual fee$0 | Interest-free daysUp to 46 days | Cash advance rate15.85% | Intro 4.99% for 5 months on purchases and balance transfers, then 15.85% | If you're looking for more freedom in your credit card, our low rate and no annual fee Visa Lifestyle Plus credit card may be for you. | ||
 | Purchase rate15.95% | Annual fee$69 | Interest-free daysUp to 55 days | Cash advance rate15.95% | The Macquarie RateSaver Credit Card is designed for customers who want a credit card with a lower annual fee and/or interest rates than those that apply to rewards credit cards. | |||
 | Purchase rate16.99% | Annual fee$149 | Interest-free daysUp to 45 days | Cash advance rate16.99% | Features: Rewards | The credit card that comes with up to $30 a month cashback on your spend, and no ING international transaction fees when you shop overseas or online. | ||
| Purchase rate17.57% | Annual fee$60 | Interest-free daysUp to 55 days | Cash advance rate17.57% | Designed for those looking for a card with a competitive interest-free period to help with business cash flow. | |||
 | Purchase rate18.99% | Annual fee$0 | Interest-free daysUp to 55 days | Cash advance rate21.99% | Intro 0% for 6 months on purchases, then 18.99% | A credit card for everyday spending with no annual fee. | ||
 | Purchase rate18.99% | Annual fee$149 | Interest-free days— | Cash advance rate21.99% | Features: Rewards | Digital credit card with Luxury Escapes loyalty benefits. Purchase and cash advance rates are personalised to your Equifax OneScore credit band. Credit limits up to $30,000. | ||
| Purchase rate18.99% | Annual fee$189 | Interest-free daysUp to 1 days | Cash advance rate18.99% | Intro 4.99% for 5 months on purchases and balance transfers, then 18.99%Features: Rewards | Earn Qantas Points* on your everyday purchases and enjoy a host of other exceptional features with our Visa Platinum Credit Card. | ||
 | Purchase rate19.74% | Annual fee$0 | Interest-free daysUp to 55 days | Cash advance rate19.74% | No annual fee and interest fee days to reduce your card costs. Great for those who pay off their card in full each month. | |||
| Purchase rate19.99% | Annual fee$199 | Interest-free daysUp to 44 days | Cash advance rate21.99% | Intro 2.99% for 9 months on balance transfersFeatures: Rewards | A credit card for earning unlimited Qantas Points. | ||
| Purchase rate19.99% | Annual fee$320 | Interest-free daysUp to 44 days | Cash advance rate21.99% | Intro 2.99% for 9 months on balance transfersFeatures: Rewards | A credit card for earning unlimited Qantas Points. | ||
| Purchase rate19.99% | Annual fee$149 | Interest-free days— | Cash advance rate22.99% | Digital credit card with cashback rewards. Purchase and cash advance rates are personalised to your Equifax OneScore credit band. Credit limits up to $20,000. | |||
 | Purchase rate19.99% | Annual fee$89 | Interest-free daysUp to 55 days | Cash advance rate21.99% | Features: Rewards | Platinum Rewards Credit Card lets you earn points as you shop, which you can redeem online for a huge range of goods and services. With a range of added insurances, purchase protections, plus access… | ||
| Purchase rate19.99% | Annual fee$149 | Interest-free daysUp to 55 days | Cash advance rate21.99% | Features: Rewards | With one of the lowest annual fees in the market, and a competitive interest rate, make every day purchases using your Qantas Platinum Credit Card and watch your points soar. Plus, you will also… | ||
 | Purchase rate19.99% | Annual fee$299 | Interest-free daysUp to 50 days | Cash advance rate21.99% | Features: Rewards | Premium credit card including Qantas Points on eligible purchases and access to concierge services wherever you are in the world | ||
| Purchase rate19.99% | Annual fee$0 | Interest-free daysUp to 55 days | Cash advance rate19.99% | Bendigo Ready Credit Card lets you enjoy a $0 annual fee - this year and beyond. Also, save with $0 international transaction fees, a range of added insurances, purchase protections, plus access to… | |||
 | Purchase rate19.99% | Annual fee$0 | Interest-free daysUp to 55 days | Cash advance rate20.99% | Intro 0% for 6 months on balance transfersFeatures: Rewards | Introducing our No Annual Fee credit card, where you'll enjoy all the advantages of having a credit card without having to pay an annual fee. Zip, Zero, Zilch, Nada. Absolutely nothing. So go ahead… | ||
 | Purchase rate19.99% | Annual fee$0 | Interest-free daysUp to 55 days | Cash advance rate21.74% | Features: Rewards | A Platinum VISA credit card with a monthly fee. | ||
 | Purchase rate19.99% | Annual fee$40 | Interest-free daysUp to 50 days | Cash advance rate— | Features: Rewards | The Bank of China Great Wall International Credit Card (Credit Card) can be used for making purchases and at any ATM in Australia and overseas displaying a MasterCard logo or for cash withdrawals at… | ||
| Purchase rate19.99% | Annual fee$60 | Interest-free days— | Cash advance rate— | Features: Rewards | |||
| Purchase rate19.99% | Annual fee$20 | Interest-free daysUp to 50 days | Cash advance rate— | The Bank of China Great Wall International Credit Card (Credit Card) can be used for making purchases and at any ATM in Australia and overseas displaying a MasterCard logo or for cash withdrawals at… | |||
Important information
Products are selected for relevance to the table and to the filters applied. They are not suggestions or recommendations, and the order they appear in is not a ranking of suitability.
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Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.
We do not compare every credit cards available in Australia, and this table does not compare every feature that may be relevant to you. Changing the filters will surface further relevant products. See how we sort and rank products and how we make money.
This information is general in nature. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to apply for or hold any particular product. You should read the provider’s Key Facts Sheet, Target Market Determination and credit contract terms before deciding. CompareThat compares products. We do not arrange, approve or process applications.
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Guides
- Credit Cards Guide How credit card interest works Interest-free days are the most misunderstood feature in Australian banking. They are not a grace period on every purchase, they are a reward for clearing the balance in full, and the month you do not, the rules change entirely.
- Credit Cards Guide Balance transfer credit cards explained A balance transfer can stop interest dead while you repay, or it can move a debt sideways and cost you more. The difference comes down to three numbers and one habit.
The Numbers Behind These Rates
Where this market sits today, and the official figures behind it.
- Market averages Credit Card Market Averages Today's average credit card rate, by segment, and how it has moved since the last reading. Taken from every product in the feed, not a survey.
- Statistics Australian Credit Card Statistics: Rates, Fees and Debt Australians hold around 14.4 million personal credit cards and carry roughly $18.9 billion of debt that is actually accruing interest. Here is what that debt costs, live from the cards we compare.
- Rate Tracker Every Market, One Page The daily average across home loans, savings, term deposits, credit cards and personal and car loans, measured against the RBA cash rate.