Compare Credit Cards in Australia (2026)

Compare credit card interest rates, annual fees, rewards programs, and balance transfer offers side by side. Last updated: 18/05/2026

Rates can change without notice. Last verified: 18/05/2026 (AEST). Please confirm details on the bank’s official page.

Whether you want rewards, low fees, or a cheaper balance transfer, start by matching the card to your spending habits. If you routinely pay off the full balance, rewards can make sense; if not, consider low-rate options first.

See our expert picks: Best Credit Cards 2026 →

ProviderCardProgramBonus pointsAnnual feeInterest-free daysVerifiedAction
St.GeorgeAmplify Rewards SignatureAmplify200,000$29555 days2026-05-18
WestpacAltitude Black (Rewards)Altitude200,000$29545 days2026-05-17
WestpacAltitude Qantas BlackQantas150,000$29545 days2026-05-17
WestpacAltitude Velocity BlackVelocity150,000$29545 days2026-05-17
Qantas MoneyPremium CardQantas120,000$39955 days2026-05-18
NABRewards SignatureNAB Rewards110,000$42044 days2026-05-18
ANZFrequent Flyer BlackQantas130,000$42544 days2026-05-17
American ExpressVelocity PlatinumVelocity50,000$44055 days2026-05-17
American ExpressQantas American Express UltimateQantas50,000$45044 days2026-05-17
CommBankSmart AwardsCommBank Awards40,000$22844 days2026-05-18

In-depth reviews

How to Compare Credit Cards in Australia

  • Purchase rate: The ongoing interest rate on new purchases.
  • Annual fee: Weigh any fee against potential rewards value.
  • Balance transfer details: Intro period, revert rate, transfer fee.
  • Rewards & perks: Earn rates, caps, insurance, lounge access.
  • Foreign use: Foreign transaction fee and travel coverage.

Who Might This Suit?

  • Pay-in-full spenders: Rewards or no-annual-fee cards.
  • Balance carriers: Low-rate or balance transfer cards.
  • Frequent travellers: Cards with travel insurance and low FX fees.

FAQs

How do I choose a credit card?

Match the card to your goals. If you pay in full monthly, a rewards card may suit you. If you carry a balance, focus on a low ongoing purchase rate and minimal fees.

What fees should I watch for?

Annual fees, balance transfer fees, foreign transaction fees, late payment fees, and cash advance fees.

Do balance transfer offers affect my credit score?

Applying for any new credit can create a hard inquiry. Used carefully, balance transfers can reduce interest costs, but always check the revert rate and any transfer fees.

Information is general in nature and may change without notice. Check rates, eligibility and fees on the provider’s website before applying.