Credit Card Providers
Select a provider to review and compare the Credit Cards which they currently offer.
Credit Card Comparison
It can be convenient to keep all your financial needs with a single provider as it eases making payments, you have only one password for your online account and often the providers will reward your loyalty with discounts. On the flip side shopping around for your financial products may deliver savings as different providers may well be more competitive across certain types of products.
Here we provide the opportunity to view the credit cards currently offered by our Participating Card Providers
What credit card types are available?
The Australian Credit Card market comprises of 9 types of credit card, these are briefly reviewed below. When looking for a new credit card one of the first things you'll need to decide is which is the best credit card type to suits your needs, as you head into this decision and comparson of credit cards, it will be handy to understand the key differences and similarities of the card types.
If you prefer to pay only the minimum or a portion of your outstanding balance each month a low rate card may help you minimize the amount of interest you pay on your credit card debt as their key focus is on delivering a market leading interest rate on purchases (Purchase Rate p.a.)
If you have an outstanding balance on your card that you are not paying off each month a balance transfer card offers a way to better manage your credit card debt, and save you interest charges along the way. Calculate the interest savings you could potentially make with our Free Balance Transfer Savings Calculator
No fee credit cards tend to be stripped back to the absolute basics, so come with no no frills such as reward programs or complimentary insurances. They are very popular with infrequent credit card users as they charge you no annual fee to hold the card, and so if you choose not to use the card across any year it will not cost you a doolar.
Frequent Flyer credit cards reward users with points that can be redeemed for flights and a range of products and services. The 2 largest Frequent Flyer programs in Australia reward credit card users with points, these programs are the Qantas Rewards and the Velocity Frequent Flyer Program.
Rewards credit cards are popular with frequent credit card users as they get the added bonus of being rewarded for using the card. Rewards credit cards enable cardholders to earn rewards for using their card to make everyday purchases. Higher credit card spending translates to more points and therefore, better rewards. These cards are not tied to an airline like the Frequent Flyer Reward cards and so offer greater flexibility when it comes to using those hard earned points.
Student credit cards are designed specifically for students aged 18 years old and above, who typically have no annual income. Student credit cards generally offer a low, or no annual fee and low monthly minimum repayments but interest rates can be relatively higher. They also have lower credit limits than regular credit cards to ensure that users don’t accumulate more debt than they can afford.
One of things Temporary residents cannot pack into their suitcases and bring with them to Australia is their credit history, as a consequence getting a Credit Card in Australia is a little more involved than would be the case in their country of origin. Many of the major banks welcome applications from Temporary Residents but the elibilty criteria tend to be strict, starting with a current Working (457), Business, Investment or Student visa.
The introduction of on line credit card applications was swiftly followed by the credit cards providers offering to provide a decision on your application within 60 seconds of submitting the completed application, these Instant approval credit cards are now prevelant and are offered by most of the Australian Credit Card providers.
A recent edition to the Australian credit card scene, 0% Interest Credit Cards charge no interest on purchases across a fixed promotional period, of generally between 6 and 24 months. As long as the monthly minimum payment is made each month and the total balance of purchases is cleared, prior to the expiry date of the promotional period, those purchases will incur zero interest charges.
Important information about this website
creditcardselector.com is one of Australia's leading credit card comparison websites. The creditcardselector.com offers compared on this page are from our participating card providers
The Active Card List of cards displayed on this site are not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms "Featured", "Best" and "Top" are not product ratings and are subject to our Terms and Conditions. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.