Compare Credit Cards

Compare credit cards from every Australian bank. See the biggest sign-up bonus points offers for Qantas, Velocity and bank rewards cards, along with each card’s annual fee, interest rate, interest-free days, earn rate, balance transfer offers, insurance and other features. Card details come from each bank’s official Open Banking data and are refreshed every morning.

How to choose a credit card

• Pay in full? Chase the rewards. If you clear your balance every month, a rewards card’s points and perks can outweigh its annual fee.
• Carry a balance? Choose a low rate. Interest on a 20%+ card quickly wipes out the value of any points.
• Check the bonus spend. Only apply for a big bonus if you’ll reach the spend requirement with your normal purchases.
• Watch the year-two fee. Some cards discount the first year’s fee, then charge the full fee from year two.
• Travelling overseas? A card with no foreign transaction fees can save around 3% on everything you buy abroad.

Frequently asked questions

Where does this credit card information come from?

Every card’s rates, fees, bonus offers and features come from the bank’s own official product data, published under Australia’s Open Banking (Consumer Data Right) rules. We collect it from every bank in the official register and refresh it every morning.

How do credit card sign-up bonus points work?

Most bonus points offers need you to apply as a new customer and spend a set amount, often $3,000 to $9,000, on eligible purchases within the first 60 to 90 days. Some bonuses are split, with part paid in year one and the rest after your first card anniversary. The full conditions for each card are under “Bonus details, features and fees”.

Are Qantas, Velocity and bank points worth the same?

No. A Qantas or Velocity point is usually worth more than a point in a bank’s own rewards program, and bank points often convert to airline points at a lower rate. Compare the points program, not just the number of bonus points.

Is a big points bonus worth a high annual fee?

It can be in the first year if you use the points and meet the spend requirement without buying things you don’t need. After that, the annual fee and interest rate matter more. If you don’t pay your balance in full each month, the interest will usually cost more than the points are worth.

What is a balance transfer offer?

A balance transfer lets you move debt from another card to a new card at a low or 0% rate for a set time, such as 24 months. A one-off balance transfer fee often applies, and any amount left at the end of the offer reverts to a much higher rate.

General information only. This comparison doesn’t consider your personal objectives, financial situation or needs, and it isn’t financial or credit advice. Rates, fees, bonus offers and features are published by each bank and can change at any time. All cards are subject to the bank’s approval. Read the bank’s terms and conditions and Target Market Determination before you apply. Trolley Saver may receive a commission from some providers.