Cashback available T&Cs apply Intro annual fee Then $55 p.a. Up to 55 interest free days If you want a lower rate on a credit card (13.99% p.a. on purchases on this one) then you'll usually be paying an annual fee for it – $55 for this one, which is not huge. The interesting thing about this card is that you can get 10% back on your supermarket and fuel spend up to $400 AND 6.99% p.a. on a balance transfer. That’s a sweet deal. If that doesn’t work you can get 0% p.a. on a balance transfer for 32 months instead. Just watch the small print because you lose your interest-free days while the balance transfer is being paid off.  Pros - Earn cashback
- Low annual fee
- Low rate on purchases
 Cons - Expensive for cash advances
- High foreign exchange fees
- No insurance offered with card
 Additional information |
Cashback available T&Cs apply Intro annual fee Then $55 p.a. Up to 55 interest free days If you want a lower rate on a credit card (13.99% p.a. on purchases on this one) then you'll usually be paying an annual fee for it – $55 for this one, which is not huge. The interesting thing about this card is that you can get 10% back on your supermarket and fuel spend up to $400 AND 6.99% p.a. on a balance transfer. That’s a sweet deal. If that doesn’t work you can get 0% p.a. on a balance transfer for 32 months instead. Just watch the small print because you lose your interest-free days while the balance transfer is being paid off. Pros - Low annual fee
- Low rate on purchases
Cons - Expensive for cash advances
- High foreign exchange fees
- No insurance offered with card
Additional information |
Cashback available T&Cs apply Intro annual fee Then $55 p.a. Up to 55 interest free days This card sits squarely in the middle of the pack, with a $55 annual fee, a 13.99% p.a. interest rate on purchases, and 55 days interest-free. The cashback offer is generous – get 10% cashback on spend at selected supermarkets and petrol stations (up to $400 total cashback). For the full $400 cashback, you’ll need to spend $4k on groceries or petrol within six months, or just under $670 per month. That’s achievable but not everyone will get the full benefit. This card also has a balance transfer, but you will pay 6.99% p.a. for it. Pros - Low annual fee
- Low rate on purchases
Cons - Expensive for cash advances
- High foreign exchange fees
- No insurance offered with card
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Cashback available T&Cs apply Up to 52 interest free days This card is unique in that you get cash back at the rate of 0.66% up to a maximum of $500/year. That means that you would have to spend around $7,500 a year on the card to achieve that. It’s a pretty good deal but the annual fee is $89 so factor that in and your cash back (it’s still a decent offer). If you carry a balance the interest rate is 13.05% p.a. and it’s a 55-day interest-free card so it’s fair. Pros - Low rate on purchases
- Earn cashback
- Fraud protection
Cons - No insurance offered with card
- High foreign exchange fees
Additional information |
Cashback available T&Cs apply Up to 55 interest free days This card offers something very few other credit cards in Australia do: a personalised interest rate on purchases based on our credit risk. What that means is you could be paying anywhere from 10.99% p.a. to 15.99% p.a. on purchases depending on how your application is assessed. So it’ll either be a fairly low rate card or a not very low rate card. Either way, the monthly card fee will be $6 ($72 per year) which is not great for a relatively basic option. The card’s main redeeming feature is the $50 in cashback for new cardholders in CommBank Yello each month when you spend $500 or more per month for the first 12 months. But once that offer runs out, there’s not much to be excited about. Pros - Personalised interest rate on purchases based on your credit score risk
- Complimentary Purchase Security and Extended Warranty insurance
- Earn cashback
Cons - High foreign exchange fees
- No reward points
- Monthly card fee is not overly cheap for a basic card
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Cashback available T&Cs apply Up to 55 interest free days On the face of it, ANZ will pay you to take out and use this card. Spend $1,500 in the first three months and get $250 back. But they will charge you an annual fee of $58, which dilutes the benefit. The interest rates on this card is split between spend (13.74% p.a.) and cash advances (21.99% p.a.) – keep that in mind when you’re using the card. Overall, there are no major perks beyond the initial cashback, but the card’s annual fee doesn’t cost the earth either. Worth consideration, but there may be better deals out there. Pros - Earn cashback
- No annual fee in first year
- Low annual fee
Cons - No insurance offered with card
- High foreign exchange fees
- Expensive for cash advances
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Cashback available T&Cs apply Up to 55 interest free days 13.49% p.a. on purchases is pretty low, but watch for cash advances as they will cost you 21.74% p.a. There’s a $59 annual fee and a $1k minimum limit, so fairly standard in the low-rate field. 55 days interest-free (25 days to pay) is about as good as it gets. You can get $300 cashback ($100 per month for 3 months if you hit the minimum spend). There’s also a 0% p.a. balance transfer offer (but with a 3% BT fee) for 12 months. Be wary of taking that up as well as the cashback deal. Pros - Low rate on purchases
- Low annual fee
- Earn cashback
- Long interest-free balance transfer
Cons - Balance transfer fee applies
- High revert rate after balance transfer offer
- Expensive for cash advances
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Cashback available T&Cs apply Up to 45 interest free days You need to be an ING customer with an account before you start with the application. Get 1% cashback up to $360 a year. Travel insurance included. 16.99% p.a. interest is not cheap nor is the $149 a year card fee. No foreign exchange fees but you need to jump through hoops to get that and the criteria could change over time so don’t bank on that saving being baked in. You can't pay the credit card bill via BPAY – only from an ING account. This card is probably best suited to existing ING customers. Pros - Earn cashback
- 45 days interest free
- Complimentary Travel Insurance
- Option to pay in instalments
Cons - Fee applies for additional cards
- Late payment fee applies
- Expensive for cash advances
Additional information |
Cashback available T&Cs apply Intro annual fee Then $59 p.a. Up to 55 interest free days The $350 cashback deal is the alternative to the long balance transfer on this card. You get one or the other. For the cashback offer, if you spend $1k a month for seven months, you get $50 per month back. In other words Westpac wants this card "top of wallet" and will pay you as an incentive. They get you to use it all the time and before you know it, it’s your only card. Maybe that’s okay. It’s not an expensive card. $59 a year and $0 in year one which helps. Pros - Earn cashback
- Low rate on purchases
- Low annual fee
- 55 days interest free
Cons - High foreign exchange fees
- No rewards
- No insurance offered with card
- Expensive for cash advances
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Cashback available T&Cs apply Intro annual fee Then $87 p.a. Up to 55 interest free days This card could well be worth it just for the insurance. It even covers rental cars, something not all credit card travel insurance does. There’s no annual fee in year one, with a cashback of $300 (if you spend $1,500 in the first three months following approval), so ANZ is effectively paying you to have the card initially. The annual fee is $87 thereafter or $0 if you spend over $20k per year, which the average consumer does, making this card a fairly inexpensive way of getting the insurance on offer. The 20.99% p.a. revolve rate on purchases means paying it off in full every month is important. Overall, this is a strong card relative to its peers in the market. It’s also a good looking card, if that matters to you. Pros - Earn cashback
- No annual fee subject to minimum spend
- Complimentary Travel Insurance
- Car rental insurance
Cons - High interest rate on purchases
- Expensive for cash advances
- No rewards
Additional information |
Cashback available T&Cs apply Up to 55 interest free days There’s no monthly fee if you spend $300 a month which is very achievable. But the general rule of thumb is that low-fee cards have high interest rates. This card is no different with 20.99% p.a. interest on purchases. On the plus side, you get $200 cashback when you spend $500 a month for four months in a row. The monthly fee instead of annual is likely designed to keep people using the card regularly to have the fee waived. But you can’t avoid the 3.5% foreign transaction fee, unless of course you never transact with an overseas merchant. Pros - No annual fee subject to minimum spend
- Earn cashback
- 55 days interest free
Cons - No rewards
- High interest rate on purchases
- High foreign exchange fees
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Cashback available T&Cs apply Up to 44 interest free days $30 annual fee and you can get up to $200 back when you spend $1,500 on purchases within 90 days from account opening. That's not bad. The interest rate on purchases of 20.99% p.a. is steep so tread carefully. Up to 44 days interest-free is short (14 days to pay when your bill lands) but it’s a cheap card with a good front end deal so overall good value potential. Pros - Earn cashback
- Long interest-free balance transfer
- Low annual fee
- Purchase protection insurance
Cons - Balance transfer fee applies
- High revert rate after balance transfer offer
- Expensive for cash advances
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Cashback available T&Cs apply Up to 44 interest free days ANZ were the first to market with a Qantas-linked card more than 20 years ago and this is the top-of-the-range version of the original. $425 a year puts it right up there for cost, but the bonus sign-up offer is generous. If you don't pay your bill in full, you’ll cop a 20.99% p.a. interest rate on purchases. The earn rate is okay but is cut in half once you go over $7.5k spent in a month. The broad insurance coverage is a plus, as are the two lounge invites per year. You need a minimum $15k limit so it’s not for small spenders. Pros - Lounge access
- Earn Qantas points for spending
- Get bonus points when you sign up
- Complimentary Travel Insurance
- Purchase protection insurance
Cons - High interest rate on purchases
- High annual fee
- High minimum credit limit
- Fee applies for additional cards
Additional information |
Cashback available T&Cs apply Intro annual fee Then $30 p.a. Up to 55 interest free days This card is called "first" because it’s likely to be your first credit card. There’s no card fee in year one, then it’s $30 per year. You’ll get $125 back if you spend $750 in the first three months after being approved which is a decent one-off benefit. This card is not designed for big spenders – the minimum limit is $1k – which is just as well given the high interest rate on purchases (after up to 55 days interest-free). You get some insurance included (not much). Overall, not a bad card but not a standout option either. Pros - Low annual fee
- No annual fee in first year
- Low minimum credit limit
Cons - High interest rate on purchases
- Expensive for cash advances
- High foreign exchange fees
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Cashback available T&Cs apply Intro annual fee Then $79 p.a. Up to 56 interest free days Like many credit cards, this is a rewards versus fees equation. A $2,000 spend gets you 1,000 points, which in turn gets you $10. That’s not much when you have to pay $79 as an annual fee (it’s waived in the first year). Doing the maths for the average punter who spends (you guessed it) $2k a month, they will get $120 a year. Take out the annual fee which kicks in after the first year and the ongoing net annual benefit is $41. Not spectacular. Pros - Earn cashback
- Long interest-free balance transfer
- No annual fee in first year
Cons - High interest rate on purchases
- No insurance offered with card
- High revert rate after balance transfer offer
Additional information |
Cashback available T&Cs apply Up to 44 interest free days If your priority is points, this is worth a look. You get bonus points at sign up (if you meet the spend requirement), plus points per $1 spent. You can send these points to other airlines, hotel chains or get gift cards. Simple. It’s a ‘Black’ card, so it’s not cheap, but you get $150 back in the first year (again subject to minimum spend) to take the sting out of the $375 annual fee. There’s a minimum $15k limit which won't be ideal for everyone, and a high 20.99% p.a. rate on purchases if you carry a balance beyond the interest-free period. Pros - High rewards point earn rate
- Get bonus points when you sign up
- No annual fee in first year
- Complimentary Travel Insurance
Cons - High annual fee
- Fee applies for additional cards
- High minimum credit limit
Additional information |
Cashback available T&Cs apply Up to 44 interest free days A step down from the Black cards in terms of perks and cost. There’s a low-ish $6k minimum limit so it’s also more accessible for lower spenders. You still get bonus points and a $50 credit up front (subject to minimum spend) There’s a decent insurance offering too. The interest rate is on the high side, as you would expect for a rewards card, but otherwise this is a solid option. Pros - High rewards point earn rate
- Get bonus points when you sign up
- Complimentary Travel Insurance
- Earn cashback
Cons - High interest rate on purchases
- Fee applies for additional cards
- Expensive for cash advances
Additional information |
Cashback available T&Cs apply Up to 44 interest free days A step down from the Black cards in terms of perks and cost. There’s a low-ish $6k minimum limit so it’s also more accessible for lower spenders. You still get bonus points and a $50 credit up front (subject to minimum spend) There’s a decent insurance offering too. The interest rate is on the high side, as you would expect for a rewards card, but otherwise this is a solid option. Pros - High rewards point earn rate
- Get bonus points when you sign up
- Complimentary Travel Insurance
- Earn cashback
Cons - High interest rate on purchases
- Fee applies for additional cards
- Expensive for cash advances
Additional information |
