Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Australia in 2026? We hold verified data on 20 credit cards in Australia and show the top 15 here. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Australia. It is the set Buzdy has verified data for, from 8 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Australia
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. CBA Low Rate Card | Commonwealth Bank | No annual fee | 13.24% per year | Cashback, Digital wallet, Shopping offers, Supplementary cards | View → |
| 2. St. George Vertigo Platinum | St. George Bank | No annual fee | 20.74% per year | Travel benefits, Digital wallet, Supplementary cards | View → |
| 3. ANZ Rewards Platinum | ANZ Australia | AUD 95 | 20.74% per year | Cashback, Rewards points, Travel benefits, Digital wallet | View → |
| 4. ING Orange One Rewards | ING Australia | AUD 149 | 20.74% per year | Cashback, Rewards points, Digital wallet, Shopping offers | View → |
| 5. flex credit card | westpac banking corporation | Not published | 20.04% per month | Travel benefits, Digital wallet, Supplementary cards | View → |
| 6. Bendigo Bright Credit Card | bendigo bank | Not published | 20.04% per month | Travel benefits, Supplementary cards | View → |
| 7. Macquarie Black Card | Macquarie bank | Not published | 20.04% per month | Travel benefits, Supplementary cards | View → |
| 8. NAB Low Fee Platinum Card | National Australia bank limited | Not published | 20.04% per month | Entertainment, Supplementary cards | View → |
| 9. CBA Diamond Awards | Commonwealth Bank | AUD 449 | 20.74% per year | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 10. St. George Low Rate | St. George Bank | No annual fee | 11.99% per year | Digital wallet, Supplementary cards | View → |
| 11. ANZ Low Rate Visa | ANZ Australia | Not published | 12.49% per year | Cashback, Rewards points, Digital wallet, Supplementary cards | View → |
| 12. ING Orange One Low Rate | ING Australia | AUD 99 | 11.99% per year | Cashback, Digital wallet, Shopping offers, Supplementary cards | View → |
| 13. CBA Smart Awards | Commonwealth Bank | AUD 49 | 20.74% per year | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 14. St. George Amplify Signature | St. George Bank | AUD 349 | 20.74% per year | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 15. ANZ Frequent Flyer Black | ANZ Australia | AUD 425 | 20.74% per year | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
The 15 Credit Cards in Detail
1. CBA Low Rate Card
Bank: Commonwealth Bank
- Annual fee: No annual fee
- Interest rate: 13.24% per year
- Minimum income: Not published
- Verified benefits: Cashback, Digital wallet, Shopping offers, Supplementary cards
The CommBank Low Rate Mastercard offers a competitive 13.24% p.a. variable rate with up to 55 interest-free days. Earn cashback through CommBank Yello offers. Includes complimentary purchase security and extended warranty insurance. No additional cardholder fee.
2. St. George Vertigo Platinum
Bank: St. George Bank
- Annual fee: No annual fee
- Interest rate: 20.74% per year
- Minimum income: Not published
- Verified benefits: Travel benefits, Digital wallet, Supplementary cards
Low-rate Visa Platinum card with 13.99% p.a. on purchases, up to 55 interest-free days, and $55 annual fee. Includes 6 months overseas travel insurance, purchase protection, extended warranty, transit accident cover, and free additional cardholder.
3. ANZ Rewards Platinum
Bank: ANZ Australia
- Annual fee: AUD 95 (AUD 95/year)
- Interest rate: 20.74% per year
- Minimum income: Not published
- Verified benefits: Cashback, Rewards points, Travel benefits, Digital wallet, Supplementary cards
The ANZ Rewards Platinum Visa earns 1.5 ANZ Reward Points per $1 up to $2,000/statement. Comes with complimentary travel insurance, purchase protection, extended warranty and 24/7 concierge. Welcome offer of 85,000 bonus points + $50 back. $149/year total fee.
4. ING Orange One Rewards
Bank: ING Australia
- Annual fee: AUD 149 (AUD 149/year)
- Interest rate: 20.74% per year
- Minimum income: Not published
- Verified benefits: Cashback, Rewards points, Digital wallet, Shopping offers, Supplementary cards
Earn 1% cashback on eligible spend (up to $360/year) deposited straight to your account. Visa Platinum with complimentary international travel insurance, zero foreign transaction fees, Apple Pay & Google Pay, and Pocket Perks from 80+ brands.
5. flex credit card
Bank: westpac banking corporation
- Annual fee: Not published
- Interest rate: 20.04% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Digital wallet, Supplementary cards
Flex Card is a simple, affordable and interest-free card that makes it easy to pay for the unexpected as well as the things you want.
6. Bendigo Bright Credit Card
Bank: bendigo bank
- Annual fee: Not published
- Interest rate: 20.04% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Supplementary cards
Bendigo Bank Debit Mastercard linked to a Bendigo Bank account (fee does not apply when linked to the Everyday Account, Easy Retirement Account, Student Account or Concession Account).
7. Macquarie Black Card
Bank: Macquarie bank
- Annual fee: Not published
- Interest rate: 20.04% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Supplementary cards
The Macquarie Black card offers the opportunity to earn generous Macquarie Reward Points.
8. NAB Low Fee Platinum Card
Bank: National Australia bank limited
- Annual fee: Not published
- Interest rate: 20.04% per month
- Minimum income: Not published
- Verified benefits: Entertainment, Supplementary cards
Our lowest annual fee platinum card with premium concierge services, special deals
9. CBA Diamond Awards
Bank: Commonwealth Bank
- Annual fee: AUD 449 (AUD 449/year)
- Interest rate: 20.74% per year
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits, Dining offers, Hotel offers
The CommBank Diamond Awards Mastercard is a premium card earning 1.25 Awards points per $1 spent. Includes comprehensive travel insurance (up to 12 months), flight inconvenience cover, rental vehicle excess protection and extended warranty. $349/year fee with $15,000 minimum credit limit.
10. St. George Low Rate
Bank: St. George Bank
- Annual fee: No annual fee
- Interest rate: 11.99% per year
- Minimum income: Not published
- Verified benefits: Digital wallet, Supplementary cards
Australia's popular low-rate credit card with just 13.99% p.a. variable on purchases, up to 55 interest-free days, and only $55 annual fee. Supports Apple Pay, Google Pay & Samsung Pay with complimentary additional cardholder and 24/7 fraud monitoring.
11. ANZ Low Rate Visa
Bank: ANZ Australia
- Annual fee: Not published
- Interest rate: 12.49% per year
- Minimum income: Not published
- Verified benefits: Cashback, Rewards points, Digital wallet, Supplementary cards
The ANZ Low Rate Visa offers one of the lowest purchase rates in Australia at 13.74% p.a. with up to 55 interest-free days. Choose between a $400 cashback or 0% balance transfer for 26 months. Supports Apple Pay, Google Pay and Samsung Pay with up to 3 free additional cardholders.
12. ING Orange One Low Rate
Bank: ING Australia
- Annual fee: AUD 99 (AUD 99/year)
- Interest rate: 11.99% per year
- Minimum income: Not published
- Verified benefits: Cashback, Digital wallet, Shopping offers, Supplementary cards
ING's low-rate Visa card at 12.99% p.a. on purchases with up to 45 interest-free days and $48 annual fee. Zero international transaction fees, Apple Pay & Google Pay, Pocket Perks cashback from 80+ brands, and instalment plans at 9.99% p.a.
13. CBA Smart Awards
Bank: Commonwealth Bank
- Annual fee: AUD 49 (AUD 49/yr waivable)
- Interest rate: 20.74% per year
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits, Digital wallet, Supplementary cards
The CommBank Smart Awards Mastercard earns up to 1.5 points per $1 at supermarkets, department stores, petrol stations and dining. $19/month fee waived when you spend $2,000+. Includes travel insurance, airport lounge access and 40,000 bonus points welcome offer.
14. St. George Amplify Signature
Bank: St. George Bank
- Annual fee: AUD 349 (AUD 349/year)
- Interest rate: 20.74% per year
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits, Digital wallet, Hotel offers, Supplementary cards
Premium Visa Signature card earning up to 3 Amplify Points per $1 internationally. Includes 2 complimentary lounge passes, 6 months travel insurance, concierge service, purchase protection for 4 months, and up to 200,000 bonus points welcome offer.
15. ANZ Frequent Flyer Black
Bank: ANZ Australia
- Annual fee: AUD 425 (AUD 425/year)
- Interest rate: 20.74% per year
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits
The ANZ Frequent Flyer Black Visa is a premium card earning 1 Qantas Point per $1 up to $7,500/statement. Includes 2 complimentary Qantas Club lounge passes per year, travel insurance, 24/7 concierge and discounted Qantas Club membership. 90,000 bonus Qantas Points + $200 back welcome offer.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Australia
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the Australian Prudential Regulation Authority (APRA) public register before you apply
Frequently Asked Questions: Credit cards in Australia
What is the best credit card in Australia for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.
What credit score do I need for a credit card in Australia?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a credit card in Australia?
Yes, most major banks in Australia now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Australia is supervised by Australian Prudential Regulation Authority (APRA). Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
What annual fee do credit cards in Australia charge?
Of the 20 credit cards Buzdy lists for Australia, 12 publish an annual fee amount, from AUD 49 to AUD 449 with a median of AUD 124. 3 are published as free and 5 do not publish a figure at all. Fees differ by bank and tier and change over time, so check the product page for its exact schedule.
Can I get a credit card if I am self-employed in Australia?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Australia
- All banks in Australia
- Bank branches across Australia
- Credit Cards In Australia 2026
- Personal Loans In Australia 2026
- Savings Accounts In Australia 2026
- Australia EMI calculator
- Australia savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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