Credit Cards

Are you looking for the best credit card deal?

Compare top credit card deals online with Credit Card Rewards. We are here to provide unbiased advice to help you choose the credit card that is right for you. As well as information about dozens of cards from all of Australia's leading providers, you will find tips to help you save money and regularly updated credit card news. You can also access secure links where you can apply for your preferred credit card online.

We are completely independent, free and 100% secure. Just click a provider, type of credit card or our Top 10 list now to begin comparing Australia's leading credit cards




Credit Cards
Interest Rate (p.a)
Balance Transfer (p.a)
Annual Fee
Interest Free Days

St George Vertigo is a great catch with just 2.99% for 6 months on balance transfers with a low ongoing 12.49%.

12.49%
2.99%
$55
55 Days

The HSBC is a true no annual fee low rate card. Apply today and get a bonus $50 credit just for purchasing on your card.

16.99%
0%
$0
55 Days

The Aussie Credit Card gives you the best of both worlds. You get a great 2.99% first 6 months (reverts to 12.99%) interest rate with an annual fee of just $49. You also get a choice of initial offers including a great 2.99% balance transfer and purchase rate for the first 6 months.

12.99%
2.99%
$49
55 Days

The NAB Standard Card gives you the choice of Visa or MasterCard, all for a low annual fee. With competitive interest rates, emergency travel assistance and purchase protection, this is the perfect card for your everyday shopping needs.

19.49%
4.99%
$30
44 Days

Featured: HSBC Credit Card

  • No Annual Fee - Ever!
  • Balance Transfer 0% for 6 months
  • $50 cash-back when you make your first spend
  • Up to 55 days interest free on purchases

    • Latest Credit Card Articles

    To Pay Early or Not to Pay Early
    on September 1st, 2010

    To pay off credit card balances early or to not pay off credit card balances early is certainly not a question that Shakespeare may have asked. It is a question every Australian should ask. Does it make sense to pay off your credit card balance faster than the minimum payments established by the credit card company? Yes. Absolutely.

    Credit card companies make their money based on how long you keep your balances open. The longer you keep open your balances the more money you pay and the more money the credit card company makes.

    Minimum payments should be viewed as the very least you should pay. Most consumers view the minimum payment as the specific amount they should pay. This is not the mindset you want to be in. You should do your best to pay as much above the minimum payment as you can afford to pay. In fact, if you can pay off your entire balance you may want to do so.

    As a parent it is important for you to prepare your child for financial independence and that means prepare them for properly using credit cards and setting and keeping a budget.

    One of the most important things you can do as a parent is to prepare your children for financial independence including how to set and keep a budget. For most young adults, the idea of keeping a budget is rather foreign. Money seems to always be available when they needed it. This is great for them in the short run but bad for them long term.

    Traveling with Credit Cards
    on September 1st, 2010

    Many Australians travel with credit cards. Some cards are better than others for this purpose. It is a good idea to do a little research about which credit cards are the best for traveling. The more research you do the better off you will be when it comes to using your credit cards while traveling and then paying the corresponding bill.

    Some credit card companies charge a foreign bank fee if the issuing bank does not have a local branch in the country you are traveling to. This means that the smaller banks that do not have overseas branches are less likely to be a good choice for your travel card.

    Larger, international banks typically offer better credit card options for travelers. These banks have local branches which in most cases will eliminate any surcharges and fees associated with foreign banks.

    Credit card companies are one of the first you should inform when you make changes to your records. These companies are always on the lookout for theft and fraud, and if they are unable to contact you in the event there are suspicious activities, then you may become liable for them.

    This is also important for the validity of your credit report. In the event something is recorded improperly or you find suspicious activity on your account, you need to be able to prove addresses and contact information for your own records.

    Many credit cards now charge a fee, typically around 1% to 3% for foreign currency conversions. The one thing to note is that a large number of cards also card a 1%-3% fee for any foreign transaction, even if no currency exchange takes place.

    When you make a purchase in a foreign country, the purchase is made at the location’s currency rate. The credit card’s bank will then tack on a conversion rate to the purchase. The thing to note is that you can end up paying higher conversion fees when using traveler’s checks or currency, so a credit card may still be the best bet when traveling abroad.

    Credit card companies make their money based on how long you keep your balances open. The longer you keep open your balances the more money you pay and the more money the credit card company makes.

    Minimum payments should be viewed as the very least you should pay. Most consumers view the minimum payment as the specific amount they should pay. This is not the mindset you want to be in. You should do your best to pay as much above the minimum payment as you can afford to pay. In fact, if you can pay off your entire balance you may want to do so.

    As a parent it is important for you to prepare your child for financial independence and that means prepare them for properly using credit cards and setting and keeping a budget.

    One of the most important things you can do as a parent is to prepare your children for financial independence including how to set and keep a budget. For most young adults, the idea of keeping a budget is rather foreign. Money seems to always be available when they needed it. This is great for them in the short run but bad for them long term.

    Saving Money with Petrol Cards
    on August 28th, 2010

    Most Australians are looking to save money. Finding ways to painlessly save money can be difficult. The good news is that it can be done. If you put a plan in place that will save you money and you stick to that plan there is no reason why you cannot reduce your expenditures.

    Petrol can be quite expensive. The price of petrol fluctuates and it is generally getting more expensive. Consumers can find a number of ways to cut their petrol expenses including getting petrol rewards cards.

    Understanding your credit card statement
    on August 26th, 2010

    Understanding your credit card statement can be quite a difficult task especially if it is the first statement that you have received. Owning a credit card and using it is pretty straight forward but trying to understand what comes on the statement at the end of every month can be quite a daunting task. The [...]

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    Featured: Virgin No Fee Card

  • No Annual Fee - Ever!
  • Balance Transfer 2.9% for 6 months
  • 16.95% Low Interest Rate
  • Up to 44 days interest free on purchases

    • How To Find A Credit Card On Credit Card Rewards


    Are you looking for a better deal on your credit card?

    If so, you have come to the right place. Credit Card Rewards is one of Australias leading credit card comparison services and we're here to help you find the right credit card for your needs.

    When asked, only 6% of Aussies said they had shopped around online before applying for a new credit card. The truth is that with some simple research you can save hundreds, even thousands of dollars by selecting a card  thats right for you.

    To get started, all you have to do is choose one of our featured cards from the table above or, alternatively, use the menu on the top left hand side of this page. Simply click on a category to access a great range of potential credit card choices.

    By clicking on a specific card, all the information you need will be at your fingertips. You can view the interest rates, fees and the interest free period for your chosen card, as well as its top five benefits and an explanation of its main features. You can also see details of any additional benefits including insurance, priority service or a credit card rewards program.

    You will also be able to click a handy link in order to apply for your chosen card online.

    Credit Card Rewards enables you to quickly and easily compare a superb cross section of Australian credit cards. Many of our visitors are searching for a great balance transfer deal whilst others are looking for the best credit card rewards program or the leading long term interest rate. Whatever type of credit card you are looking for, simply click the appropriate link in our left hand menu to check out the market leading options.

    We are proud to be 100% Australian owned and operated which means that we know the Australian credit card market as well as anyone. We are completely independent, and you can be confident that the information on our site is impartial.

    So, why not join in the thousands of Australians who visit Credit Card Rewards every month, and let us help you find a credit card that suits your needs? Simply click select a card option on the top left of this page to get started.


    Featured: Aussie Mastercard

  • 2.99% first 6 months
  • A low $49 annual fee
  • Balance Transfer 0% for 6 months
  • Up to 55 days interest-free credit on purchases
  • 3.99% for 12 months on a balance transfer

    • 6 Fool Proof Tips To Choosing The Right Rewards Credit Card

    1. The points you earn
    There are a dozen or so credit card rewards programs in Australia and each of them operates slightly differently.  For example, the amount of points that you earn for every dollar that you spend will differ from provider to provider, and from card to card.
    Don’t assume that the more points you are awarded per dollar spent, the better.  A good idea is to look at how many points you would need for a $50 shopping gift card, and work out what you would have to spend on the card to earn these points.


    2. Whether you get any introductory points
    Many rewards credit cards offer a number of introductory points simply for becoming a new cardholder.  These are often awarded when you activate your card, or when you use it for the first time.


    3. The rewards on offer
    Every credit card rewards scheme has a different range of rewards.  Before you choose a rewards card, head online and look at the range of options available through a particular credit card rewards program.  Choose the scheme with the rewards that suit you.


    4. Gold and Platinum cards
    There are many gold and platinum cards affiliated to credit card rewards schemes.  You can sometimes earn more points per dollar spent by using a so-called ‘premium’ credit card.  However, the annual fees for these cards are generally higher.
    If you use your credit card often, you may find it is beneficial for you to pay a higher annual fee in order to benefit from an enhanced number of credit card rewards for your spending.


    5. Fees and charges
    Most rewards credit cards charge an annual fee of between $25 and over $200.
    Make sure you take any annual fee into account before choosing a credit card rewards program.


    6. The ease of earning bonus rewards points
    Many credit card rewards programs offer bonus points to card users.  Often, you will receive additional points for using your card with certain retailers, or with a range of ‘bonus partners’ – businesses affiliated to the credit card rewards scheme.
    If a card provider offers additional points through a company that you use often, this could help you rack up your credit card rewards much more quickly.