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



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

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

    It doesn’t get any better than this, $0 annual fee for the first 12 months ($49 after that) & Great rewards!

    19.49%
    0%
    $0
    55 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 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


    Featured: Woolworths Everyday Money Card

  • $0 annual fee for the first year & a low $49 after that
  • 1 point per $1 spent on general purchases
  • Balance Transfer 0% for 6 months
  • Add an additional cardholder to your account at no extra cost
  • Up to 55 days interest free on purchases

    • Latest Credit Card Articles

    Buying a Computer on a Credit Card
    on July 30th, 2010

    When you are thinking about buying a computer with a credit card, then there are a few things you need to know before you make your decision. Computers are a major purchase and should be a done with a credit card that will make it a better deal.

    Many computer companies will offer their own line of credit on their own card. Interest may be lower than a traditional credit card, and it may offer special incentives such as points toward future purchases, discounts on accessories, or special introductory rates. Some manufacturers offer no interest if paid off within a certain time frame.

    Often this type of credit card can be applied for at the same time as purchasing the computer. The extended warranty or service contract may also be better with the manufacturer’s credit card. Be sure to compare offers and services between computer manufacturers as this can influence your buying decision.

    Using Credit Cards for Monthly Bills
    on July 30th, 2010

    Many consumers attach their credit cards to some of their monthly, bi-monthly, quarterly and annual expenses. In recent years many vendors have set up auto payments as a way to ensure that they receive their monthly fees. Consumers are required to, or given the opportunity to, attach a credit card to their account.

    Using a credit card in this manner makes paying bills more efficient. Keep in mind, however, that you need to be careful with these types of accounts.

    Monitoring Payments

    We can easily become complacent when it comes to checking over our monthly statements. We may completely miss the fact that we are being overcharged for a monthly bill or that a bill is due to hit the account.

    Which Credit Card to Use
    on July 29th, 2010

    Many Australians have multiple credit cards. Often they grab the first credit card in their wallet when they are making a purchase with little thought going into which card it is. Savvy shoppers, however, are more careful and make a conscious decision as to which credit card to use.

    You should know all of the perks associated with each credit card you have. This means know the interest rates, the consumer protections, the reward points, etc. The more information you have about the credit cards the better equipped you will be to choose the right credit card for each purchase.

    Purchase protection is an important consideration when choosing which credit card to use. Many credit cards offer consumers additional protections including warranties on purchases using that credit card.

    The Annual Fees
    on July 28th, 2010

    When researching a credit card in Australia, it is important to note whether or not the card has an annual fee. The cards that commonly charge fees are those that give you something in return, such as a rewards or miles credit card, or any other types of perks.

    Why do credit card companies charge annual fees? If you are a person who pays their card off each month, then it is a way for them to make money since they do not get it from your interest. If you are that type of credit card user, then look for a card that does not have an annual fee. This also pertains to credit cards that are used infrequently or for emergency use only.

    Sometimes the type of card accounts for the annual fee. More prestigious cards such as Gold Cards or Black Cards, that offer more perks or rewards, will charge a fee to justify the extra services. Often this can be negotiated by the user. Cards that give cash back, special discounts, or travel vouchers will often charge the annual fee to offset their costs.

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    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.

     

    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.