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Compare Credit Cards
Step 1
Determine the type of
card you are looking for. This step allows you to quickly compare rates
and benefit details for credit cards in the same card type category.
Select Card Type:
Step 2
Search for the features of cards you are looking for. As an example, "Lowest Interest Rate", to search our database of credit cards to find that particular feature.
Select Card Features:
Lowest Interest Rate
Balance Transfer
No Annual Fee
Airline Rewards
Debit Cards
Step 3
Compare credit card offers in order to determine which card is best for you. You can refine your search results by either clicking on the More Information Button to see full product features or you can compare features on up to 3 selected products before applying for the credit card of your choice.

Credit Cards Australia

Are you confused with all the credit card offers out in the marketplace?
Credit Cards Australia helps you compare credit cards on offer before applying for the one that fits your needs. Choosing a card used to be a straightforward process; after all there were only a handful of banks that were willing to provide the same. Today the choice of cards is staggering with more and more places offering their own version. In fact it is even possible to get a stores own cards which comes with its own benefits tied into the store. With so much choice in the market anyone looking for a one can easily feel confused, and this is where a comparison is invaluable. With a huge selection of  cards available in Australia, there�s bound to be one to suit you. Credit Cards Australia has compiled information from our participating Panel of Lenders to help you compare the best card for your needs.
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Low Interest Rate Credit Cards

To see if a low interest rate Australian card is right for you, you first need to work out whether you are an "interest payer" or a "transactor". Interest payers don't clean their balance each month and as a result will get more value out of a low interest rate card. Switching to a low rate card will save "interest payers" thousands in the long run.

Balance Transfer Credit Cards

A balance transfer Card allow you to transfer higher interest rate credit card balances onto a lower rate card for the advertised period. So if you transfer a balance from your old card to a low introductory rate of zero percent, the balance will stay at the lower interest level for that period of time, it is important to pay this balance off first before using this card for purchases in this introductory period as it usually reverts to a much higher rate

No Annual Fee Credit Cards

A no annual fee card can be left in your wallet and only used in the case of an emergency and is perfect for those who find they need a card only as a backup for bookings or purchasing online. Although the interest rate is generally higher if you pay back the balance in the prescribed time it is not an issue. With a no annual fee it's not going to cost you anything to have a backup to funds should that emergency occur

Airline Rewards Credit Cards

Earn free airline miles every time you make a purchase with any of the Australia cards listed below. Airline miles cards allow you to earn free travel with every dollar you spend. Airline rewards or Frequent Flyer cards are great if you do not like rewards and would rather fund an airfare or a discount holiday package. If you are a big spender and pay your balance out each month the benefits of a premium frequent flyer card can help you achieve your goals

Gold Silver & Platinum Cards

Gold Cards for high incomes, with extended credit facilities and reward programs. These programs usually come with higher interest rates and annual fees but these cards are clearly aimed at the big spender who pays his balance monthly or corporate market and give you  status and services and rewards. When you use your credit card at one of their program partners you can receive even more points. It is important to analyze your credit card spending habits and if you are not a big spender and do not pay out your balance owing each month you may be better applying for a lower interest rate card.

Reward Credit Cards

These reward cards reward you with cash-back, airline miles, and benefit programs. Reward programs are a great way to earn benefits and get something back from your card provider. These cards have higher interest rates, higher annual fees, or other fees. You should only apply for a rewards card if you are a big spender or applying for a corporate card and plan to pay the balance off each month in the prescribed interest free period. If you know you or your employer will pay off your balance owing each month before the interest free period, then a rewards program could be right for you.

Business Credit Cards

Having a dedicated small business credit card has many rewards and benefits. A business card keeps your company finances separate from your own personal spending so there is no confusion at tax time or when preparing your expenses. Their rewards programs can give you access to great benefits including frequent flyer points, higher spending limits, discounts on accommodation and other rewards. Employers can use these cards to reward employees, separate costs and impress clients.

Debit Cards

Why pay interest on a credit card when you can have a debit card? A debit card operates like a cheque or cash. When you do a purchase with a debit card, the money is instantly withdrawn from your bank account. With a debit card, you are simply allowed to spend the money that is in your account and has no credit facility attached. These cards are great if you want to control your spending or do not want to waste money paying interest and fees. In some cases you can link your debit card to an interest bearing account.
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Credit Card Articles
See the related credit card articles below for more information.
Can You Afford not to Compare Credit Cards?
Credit Card Comparison Tips Revealed
Credit Card Comparison can Help
Why Credit Card Comparison is Right for You
Search the Market in Minutes with Credit Card Comparison Websites
How to Find the Best Credit Cards in Australia?
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