Compare Australian credit cards without the sales pitch
Rates, fees and sign-up offers set out side by side, each one checked against the provider’s own website and dated so you know how fresh it is.
Compare by card type
Balance transfer
Move an existing card debt to a 0% rate for a set period. Compare the length of the offer, the transfer fee and the rate it reverts to.
Compare balance transfer cardsLow interest
Lower ongoing purchase rates for people who sometimes carry a balance from month to month.
Compare low interest cardsCashback
Sign-up cashback paid when you meet a spending target in the first months.
Compare cashback cardsRewards
Earn points on spending, with bonus points for new cardholders. Higher fees and rates apply.
Compare rewards cardsNo annual fee
Cards with no yearly fee, and what to check in the rates and other charges.
Compare no annual fee cardsAll cards
Every card we currently list, side by side.
Compare all cardsHow we compare
- Figures come from the source. Every rate, fee and offer is taken from the provider’s product page, with the date we checked it.
- Tables say how they are sorted. Each table states its order, such as longest balance transfer period or lowest purchase rate. Order is never decided by commission.
- We tell you what’s missing. We list a small selection of cards, not the whole market, and we say so on every comparison page.
Guides
Plain-English explanations of how credit cards work in Australia, written to be read before you compare.
How credit card interest works
How Australian credit cards calculate interest: daily balances, purchase and cash advance rates, and why carrying a balance costs you your interest-free days.
Read the guideHow balance transfers work
How a 0% balance transfer works in Australia, what the transfer fee and revert rate cost, and a worked example of the repayments needed to clear the debt.
Read the guideCredit scores in Australia
Australian credit score ranges for Equifax, Experian and illion, what goes into a score and how long information stays on your file.
Read the guideThe card surcharge ban
From 1 October 2026 surcharges are being removed on eftpos, Mastercard and Visa cards in Australia. What the Reserve Bank decided and what it means.
Read the guidePaying off credit card debt
Practical ways to clear credit card debt in Australia: choosing which card to pay first, raising repayments, balance transfers, loans and where to get free help.
Read the guideAre rewards cards worth it
How to work out whether a rewards credit card pays for itself in Australia: valuing points, annual fees, earn rates, caps and the cost of carrying a balance.
Read the guideCards for particular situations
Common questions
Which credit card is best?
There is no single best card. A card with a long 0% balance transfer suits someone paying down debt, while a rewards card only pays off for people who clear their balance every month. Start with how you will use the card, then compare the costs that matter for that use.
Are balance transfer cards worth it?
They can save interest if you repay the transferred balance within the 0% period. Check the transfer fee, and the rate the balance reverts to afterwards, which is often the higher cash advance rate.
Do you get paid by the banks?
Not at the moment. If we join a provider’s affiliate program in future, links that earn us commission will be marked as partner links. See how we make money.