Best Credit Cards in Australia — Compare 20 Cards
Every credit card we can verify as issued in Australia — 20 cards from 8 banks — with the minimum salary, annual fee, interest rate and salary-transfer rule each bank publishes. Filter them below, or use the guided finder.
Best credit cards in Australia — our picks
One card per job, chosen by a stated rule, with the number that wins it. No bank holds two slots while another qualifies.
No annual fee, and at 11.99% a year it is among the cheaper cards to carry a balance on.
Chosen by: Zero or permanently waived annual fee, then the lowest published interest rate. Picked from 3 qualifying cards.
Go to stgeorge.com.au St. George Bank's site — this card is not linked directly
You do not have to move your salary to this bank.
Chosen by: Bank does not require your salary to be transferred to it, then the lowest minimum salary. Picked from 20 qualifying cards.
Go to bendigobank.com.au bendigo bank's site — this card is not linked directly
Airport lounge access for AUD 49 a year.
Chosen by: Publishes airport lounge access, then the lowest annual fee. Picked from 6 qualifying cards.
Card details On Buzdy — no verified issuer link on file yet
At 11.99% a year this is the cheapest published rate we hold for this market — it only matters if you revolve a balance.
Chosen by: Lowest published monthly interest / profit rate in this market. Picked from 20 qualifying cards.
Card details On Buzdy — no verified issuer link on file yet
Headline cashback of up to 1% — check which categories it applies to before you assume it covers everything.
Chosen by: Highest published headline cashback rate. Picked from 13 qualifying cards.
Card details On Buzdy — no verified issuer link on file yetCompare all 20 Australia credit cards
Figures are as each bank publishes them. 0 of 20 cards state a minimum monthly salary, 15 state an annual fee, 20 state an interest or profit rate and 20 state whether a salary transfer is required. A dash means the bank does not publish that figure — not that it is zero.
Default ranking: cards are ordered by how much of the decision they let you make — how many of the four numbers (minimum salary, annual fee, rate, salary transfer) the bank publishes, then how many benefits are documented, then user rating. It is not a paid placement and it is not alphabetical. Use the sort links in the table header to rank by fee, rate or salary instead.
Showing 20 of 20 cards.
Every figure comes from the issuing bank's own published terms, stored per card. Country attribution uses the product's own market, not the bank's branch footprint, so a multinational's Hong Kong catalogue never appears here. Interest and profit rates are annualised figures as published; a few banks quote a monthly rate instead, so confirm the basis with the issuer before you compare two cards on rate alone. Verify the current terms with the bank before you apply.
Prefer to be asked?
Four questions — salary, spending, and what matters most — and we shortlist five of the 20 cards above for you.
Where are you located?
We'll show cards available in your country
More about credit cards in Australia
The 20 cards compared above are every credit card we can attribute to Australia itself, from 8 issuing banks — a card is counted here only when the product's own market and the issuing bank agree, so a multinational's catalogue from another country is never folded in. Figures are in AUD as published by each bank.
Banks we track in Australia
Keep going in Australia
Guides for Australia
Australia — frequently asked questions
Which credit cards have no annual fee in Australia?
CBA Low Rate Card (Commonwealth Bank), ANZ Low Rate Visa (ANZ Australia), St. George Low Rate (St. George Bank), St. George Vertigo Platinum (St. George Bank) are among the 4 cards in our Australia data with a zero or waived annual fee.
What is the best cashback credit card in Australia?
We track 1 cashback cards in Australia. ING Orange One Low Rate from ING Australia publishes: cashback on everyday spend. The right one depends on where you actually spend — the finder above ranks them for your profile.
How does the card finder pick a card?
It scores every card we hold for Australia against your salary, your biggest spending category and whether you want cashback, miles, no fee or a Shariah-compliant card, then shows the top five with the reasons for each.