Points per $1 Everyday spend Up to 45 interest free days You need to be an ING customer with an account before you start with the application. The 12.99% p.a. interest rate on purchases isn't bad. 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. Currently you need to deposit $1,000+ each month to any of your ING accounts (excluding Living Super and Orange One) and make 5+ card purchases that are settled (not pending). 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 - Low rate on purchases
- No annual fee
- Option to pay in instalments
 Cons - No rewards
- No insurance offered with card
- Fee applies for additional cards
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Points per $1 Everyday spend Intro purchase rate Then 18.99% p.a. There’s a lot to like about this card if you’re looking to keep your credit card costs low. No annual fee and 0% foreign transaction fees is a rare and appealing combo, particularly for regular overseas travellers and spenders. You also get up to 55 interest-free days on purchases. For a limited time, there’s a six-month 0% p.a. offer on purchases and balance transfers for new customers. Just bear in mind that a 3% balance transfer fee applies and the standard rate of 18.99% p.a. applies to purchases and any remaining transferred balance when the offers expire. Pros - Interest-free balance transfer offer
- Intro 0% rate on purchases
- 0% foreign exchange fees
- No annual fee
Cons - Relatively high ongoing purchase rate
- Balance transfer fee applies
- No rewards
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Points per $1 Everyday spend Up to 55 interest free days This is Bendigo Bank’s $0 annual fee card and like all the rest in the market it has a high interest rate of 19.99% p.a. But the deal is sweetened with the foreign exchange fee at 0.00% p.a., up to 55 interest-free days and travel insurance thrown in. It could make a great card to travel with. Extended warranty insurance is another nice perk. Try not to revolve a balance given the rate but otherwise this card is a strong contender. Pros - No annual fee
- Complimentary Travel Insurance
- Zero foreign exchange fees
Cons - No rewards
- High interest rate on purchases
- Expensive for cash advances
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Points per $1 Everyday spend As travel companions go, the Bankwest Breeze Platinum Mastercard® has a lot to offer. The highlights are no foreign transaction fees, complimentary overseas travel insurance and interstate flight inconvenience insurance (limitations, exclusions, and eligibility criteria apply.) On top of that, there’s a 0% p.a. offer on balance transfers for 24 months (3% BT fee applies), with a low ongoing purchase rate and up to 55 interest-free days. All that means the $59 annual fee represents decent value, whether you use the card at home or on your travels. Pros - Low rate on purchases
- Low annual fee
- Long interest-free balance transfer
- Zero foreign exchange fees
Cons - Balance transfer fee applies
- No rewards
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Points per $1 Everyday spend Intro annual fee Then $96 p.a. Travellers will love this card. There’s no international transaction fees on it and a 10% off hotels deal with Expedia for cardholders. Plus, you'll have access to global roaming data from eligible telco networks in 150 countries; and a flight delay pass which offers access to airport lounges if your flight is delayed. Card holders also get complimentary E-Commerce and Purchase Protection Insurance for a bit of extra confidence when shopping at home, abroad or online. If all that isn't enough, card holders can earn up to $240 in rewards each year which adds a bit of extra cream to an extensive list of benefits. Just a heads up - the interest rate is on the higher side at 27.99% p.a. and there's a small fee of $1.95 if paying by BPAY. Nonetheless, when used the right way, this card can be a low-cost traveller's best friend. Pros - Purchase protection insurance
- No annual fee in first year
- Zero foreign exchange fees
- 55 days interest free
Cons - High interest rate on purchases
- Expensive for cash advances
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Points per $1 Everyday spend Up to 55 interest free days Step up from Bank First’s Classic card to the Platinum Card and your interest rate actually drops to 11.49% p.a. on purchases, but you’ll pay $99 a year for the privilege and need a $6k minimum limit too. 55 days (25 days to pay) BUT you won’t pay any foreign exchange fees on overseas purchases so this is a great travel card or for using on overseas websites. Pros - Low rate on purchases
- Complimentary Travel Insurance
- 55 days interest free
Cons - No rewards
- Expensive for cash advances
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Points per $1 Everyday spend Up to 55 interest free days HSBC is one of the biggest banks in the world and here it’s offering a smart-looking card with no overseas transaction fees and a low-ish 12.99% p.a. rate on purchases. The balance transfer deal is decent at 0.00% p.a. for 12 months BUT it will cost you 2% of the balance to set it up. $99 a year as a card fee is getting up there and probably a bit expensive for a low-rate, low-frills card. Cash advances will attract a massive 25.99% p.a. and are best avoided. This is also the rate that will apply to balance transfers once the 0% intro rate expires. Pros - Long interest-free balance transfer
- Low rate on purchases
- Zero foreign exchange fees
- Complimentary Travel Insurance
Cons - No rewards
- High revert rate after balance transfer offer
- Expensive for cash advances
- Balance transfer fee applies
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Points per $1 Everyday spend Up to 45 interest free days This card changes $9 per month and 9.90% p.a. interest on purchases, placing it at the lower-cost, lower-benefit end of the Westpac’s card fleet. That’s okay but you can get cards elsewhere offering much the same with no card fee. Save your $9 per month and buy a coffee or 2 (if you’re lucky). There’s no international fee but realistically would you travel with this card? Pros - Low rate on purchases
- Zero foreign exchange fees
- 45 days interest free
Cons - No rewards
- No insurance offered with card
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Points per $1 Everyday spend Up to 110 interest free days This card offers up to 110 days interest-free (take that, Afterpay). That’s double the standard number of interest-free days for credit cards. There’s a $9.95 monthly fee but no overseas transaction fees. Overall this one is very much a shopper’s friend. Just pay your bill in full by the due date or the purchase rate of 26.30% p.a. will kick in. Pros - Zero foreign exchange fees
- Higher than usual interest-free days
- Option to pay in instalments
Cons - High purchase rate on everyday spend after the interest-free period
- No rewards
Additional information |
Points per $1 Everyday spend 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
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Points per $1 Everyday spend Up to 44 interest free days All Bankwest Platinum cards waive the foreign exchange fee of 2.95% which if you travel, can save you a few hundred bucks a year. The $160 annual fee gets you travel insurance too, so if you want a step up from the Classic rewards card, this may be a better option. There’s also a higher points earn rate but it’s not terribly clear what you can get for your points based on what Bankwest says on its website. Getting extended warranty insurance at this price point is good value. Pros - High rewards point earn rate
- Zero foreign exchange fees
- Complimentary Travel Insurance
Cons - High interest rate on purchases
- Rewards points are capped
- Expensive for cash advances
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Points per $1 Everyday spend Up to 44 interest free days If you’re looking for a fairly decent Qantas card that won't cost the earth, this could be it. The $199 annual fee is about average in this category, but with a low maximum credit limit of $3,000, the card is accessible to lower spenders who want Qantas points. On the points front, 0.6 per $1 spent on the first $2.5k spent is, again, about average, as is the 80,000 bonus points for new customers (you'll need to spend $7.5k on eligible purchases in the first 90 days and leep the card for 15 months). The killer feature is that there is no foreign exchange fee AND you earn points on overseas spend, which is unique. Pros - Earn Qantas points for spending
- Get bonus points when you sign up
- Zero foreign exchange fees
- Complimentary Travel Insurance
Cons - High interest rate on purchases
- Expensive for cash advances
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Points per $1 Everyday spend Up to 44 interest free days There’s no monthly fee if you spend at least $2K a month, which most Aussies manage to do. You can earn Qantas Frequent flyer points or CBA points (which can be redeemed for gift cards). Points earn is okay but it’s not a market leader. No foreign exchange fee makes up for that. Travel insurance, lounge access (for a fee) and up to 44 days interest-free makes this a premium card worth considering. Cardholders will get most back in rewards if they use the card a lot AND pay the bill in full every month. The revolving interest rate is high at 20.99% p.a. Pros - High rewards point earn rate
- Get bonus points when you sign up
- Zero foreign exchange fees
- No fee for extra cards for family members or friends
Cons - High monthly fee unless minimum spend is met
- High interest rate on purchases
- Expensive for cash advances
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Points per $1 Everyday spend Up to 44 interest free days This card comes with a front end deal of 30,000 points if you spend $1.5k per month or more for 3 months (10,000 points per month). The Qantas points earn rate puts this card in the middle of the pack BUT you can avoid the monthly fee by spending $2k a month AND you'll pay no foreign exchange fees on foreign spend which is a good deal. Travel insurance is included (make sure you register for it on the CommBank website). Make sure that you pay your bill in full every month otherwise you'll be paying 20.99% p.a. interest. Pros - Earn Qantas points for spending
- Get bonus points when you sign up
- Complimentary Travel Insurance
- Zero foreign exchange fees
- No fee for extra cards for family members or friends
Cons - High monthly fee unless minimum spend is met
- High interest rate on purchases
- Expensive for cash advances
- Rewards membership fee applies
Additional information |
Points per $1 Everyday spend Up to 44 interest free days This card competes head on with the ANZ Black Rewards Card. $270 per year with the highest points earn rate (uncapped too) of a Bankwest card, but what exactly you can get for your points is not entirely clear. This level of annual fee is getting up there and remember you will need to get at least that $270 back in gift cards to make it worthwhile. Insurance is included which sweetens a not overly inspiring deal. Pros - High rewards point earn rate
- Zero foreign exchange fees
- Complimentary Travel Insurance
- Lounge access
Cons - High annual fee
- High interest rate on purchases
- Expensive for cash advances
- High minimum credit limit
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Points per $1 Everyday spend CommBank’s Neo card charges you a fee based on your limit and no interest. This could be an option if you don’t want to deal in percentages and prefer a fixed cost. A $1k card limit means a $15 per month fee, $2k is $20 per month and $3k is $25 per month. This is quite expensive. The good news is that if you don't use it, you won't pay a fee. Although it begs the question: why get the card if you won’t use it? Beyond the monthly fee, it’s a low cost, low frills card. No foreign exchange fees is a bonus. Pros - 0% interest
- Zero foreign exchange fees
- No monthly fee if card not used and there's no balance
Cons - No rewards
- High monthly fee
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Points per $1 Everyday spend Up to 44 interest free days Strangely, the Platinum version of this card has a 50,000 Qantas points sign-on bonus (subject to eligibility) but the more expensive 'World' version offers nothing as a joining bonus. But you pay a higher annual card fee of $320. The points earn rate is higher at 1 point per $1 for the first $5k spent per month (0.5 points thereafter), but even that is nothing special. For a lot of people, Bankwest’s Qantas Platinum card will represent better value. Pros - Earn Qantas points for spending
- Zero foreign exchange fees
- Complimentary Travel Insurance
Cons - High interest rate on purchases
- Expensive for cash advances
- High annual fee
Additional information |
Points per $1 Everyday spend Up to 44 interest free days The NAB points sign-on bonus, paired with uncapped ongoing points-earning potential, will get you quite a few toasters or whatever floats your boat from the points store, or you can transfer points to one of a bunch of airlines (excluding Qantas). Unusually, this card has a bonus points AND a balance transfer offer. Just don't try to combine the two, as trying to meet he minimum spend for the bonus points could make clearing you balance transfer difficult. There's a $35 monthly fee unless you hit the minimum spend, 20.99% p.a. interest on purchases and 44 day interest-free. That's all fairly standard for these NAB cards, but fee-free international transactions is a nice additional perk that will save you money if you spend overseas. Pros - Earn reward points for eligible spend
- Get bonus points when you sign up
- Long interest-free balance transfer
- Complimentary Travel Insurance
Cons - Monthly fee is high unless you spend enough to qualify for the waiver
- High interest rate on purchases
- Balance transfer fee applies
- High revert rate after balance transfer offer
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Points per $1 Everyday spend Up to 44 interest free days Ultimate Awards is CBA’s top-of-the-line product. There’s a $35 monthly fee unless you spend $4k a month. You can earn between 1 and 3 Awards points per dollar. The top earn rate points is for international spend and there is no foreign exchange fee which is a good deal. The rest of the points earning rates are pretty ordinary and earning at the top rate is capped at $10k per month. Travel insurance is included (make sure you opt in to be covered). 20.99% p.a. on purchases is high but not unusually so. Pros - Earn reward points for eligible spend
- Complimentary Travel Insurance
- Zero foreign exchange fees
- No fee for extra cards for family members or friends
Cons - High monthly fee unless minimum spend is met
- High interest rate on purchases
- Expensive for cash advances
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Points per $1 Everyday spend Up to 44 interest free days Fly Virgin? You’ll probably like this card. The ongoing Velocity points earning potential is not bad and you'll pay $0 in foreign transaction fees. The $15k minimum limit is high and will make a dent in your borrowing power elsewhere. The card fee is $35 per month($420 when you annualise it) but it's waived if you spend $5,000 or more in a statement period. Is it worth it over the Platinum card which has a lower annual fee? Probably not. Pros - Monthly card fee waived if you meet the minimum spend requirement
- Earn Velocity points for spending
- Long interest-free balance transfer
- Complimentary Travel Insurance
Cons - High interest rate on purchases
- Balance transfer fee applies
- High revert rate after balance transfer offer
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