Credit Cards
Compare interest rates, annual fees, rewards programs, and balance transfer offers. Last updated: 09/09/2025
Rates can change without notice. Last verified: 09/09/2025 (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.
| Provider | Card | Program | Bonus points | Annual fee | Interest-free days | Verified | Action |
|---|---|---|---|---|---|---|---|
| Westpac | Altitude Black (Rewards) | Altitude | 160,000 | $295 | 45 days | 2025-09-09 | |
| ANZ | Frequent Flyer Black | Qantas | 130,000 | $425 | 44 days | 2025-09-09 | |
| Westpac | Altitude Qantas Black | Qantas | 120,000 | $295 | 45 days | 2025-09-09 | |
| Westpac | Altitude Velocity Black | Velocity | 120,000 | $295 | 45 days | 2025-09-09 | |
| Citi (issued by NAB) | Citi Premier (Velocity) | Velocity | 110,000 | $300 | 44 days | 2025-09-09 | |
| American Express | Velocity Platinum | Velocity | 100,000 | $440 | 55 days | 2025-09-09 | |
| American Express | Qantas American Express Ultimate | Qantas | 90,000 | $450 | 44 days | 2025-09-09 |
What to Look For in a Credit Card
- 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.