Best Credit Cards

Although it may seem daunting going through the many different choices of the best credit cards, you are completely in control and capable of finding the best one for you that will surely help you.

Best Credit Card*

The HSBC Credit Card will not only give you a balance transfer offer of just 0% p.a. for 6 months but you will also pay no annual fee for the life of the card

  • Purchase rate of 16.99% p.a.
  • 0% p.a. for 6 months on balance transfers
  • $0 annual fee
  • 16.99% p.a. on purchases
  • Up to 55 days interest free

Apply Now More Info

Compare the Best Credit Cards

Credit Card Card Details Interest Rate p.a. Cash Advance Rate p.a. Balance Transfer Rate p.a. Annual Fee Interest Free Days (Up To)
HSBC Credit Card

HSBC Credit Card

Best No Annual Fee & Balance Transfer Card

Excellent offer of 0% p.a. for 6 months on balance transfers plus no annual fee for life.

16.99% 20.75% 0% for 6 months $055
Suncorp Clear Options Standard

Suncorp Clear Options Standard

Best Balance Transfer Card

Balance transfer offer of 1.9% p.a. for 12 months plus a low standard purchase rate and a low annual fee.

12.24% 17.99% 1.9% for 12 months $390
Bankwest Lite Mastercard

Bankwest Lite Mastercard

Best Low Interest Card

Comes with an extra low interest rate of 10.75% on purchases as well as an excellent balance transfer offer

5.99% for 12 months (reverts to 10.75%) 20.99% 5.99% for 12 months $5955
Suncorp Clear Options Platinum

Suncorp Clear Options Platinum

Best For Life Balance Transfer Card

With a lifetime balance transfer you can take your time paying off your existing credit card debt.

19.99% 19.99% 3.9% for life months $20555
ANZ Frequent Flyer

ANZ Frequent Flyer

Best Frequent Flyer Card

Earn Qantas Frequent Flyer points on both the AMEX and Visa card, comes with a good balance transfer deal too.

19.49% 20.74% 2.9% for 12 months $9544
Citibank Emirates Platinum Card

Citibank Emirates Platinum Card

Best Rewards Card

Earn 3 Skywards Miles for every dollar spent, plus a balance transfer offer of % p.a. for months

20.74% 20.74% 1.9% for 12 months $22955
American Express Platinum MoneyBack

American Express Platinum MoneyBack

Best Moneyback Card

5% Cashback on all purchases for 3 months, 1% after, comes with platinum benefits as well.

19.99% $9944
Coles Group Source Mastercard

Coles Group Source Mastercard

Best Petrol Rewards Card

Earn up to 8 cents per litre as well as paying no annual fee for life and a balance transfer offer of 0% p.a. for 6 months

20.24% 21.99% 0% for 6 months $062

It's no secret the vast range of credit cards Australian banks can offer, but with all the choices how do you know you are getting the best credit card for you? The process of choosing the best credit card is a process of comparison, questions and research. Shopping around can be the key factor to gaining the best credit card for you, the more research and comparison you do the more informed you are about making the right decision when it comes to choosing the best credit card. Remember to always question your provider about each credit card you are interested in, and give them adequate information about the financial position you're in, this will allow your provider to use the process of elimination.

Comparing the Best Credit Cards

When it comes to finding the best credit card for you and your lifestyle, family, financial position it is vital to compare the different choices you have. To compare the best credit cards, remember:

  • Once you start researching you're guaranteed to be surprised at the many different credit cards and credit card offers there are, so a few questions to your provider can go along way and help them help you.
  • It is also vital to have a realistic credit limit from realistic knowledge of your financial position so your provider knows exactly what credit card suite you best. This will ultimately lead you to comfortable credit card usage and will help you save money along the way.
  • The more you research yourself the more likely you are going to end up in a comfortable, smart credit card situation that will never stop benefiting you and your lifestyle, not to mention your credit history!
  • Never underestimate the internet, with some research and online surfing you are guaranteed to see other peoples past experiences with the provider or type of credit card you are interested in.

Best Credit Card Deals

With the vast choice of different credit cards, the deals they have to offer are endless. This should have a somewhat strong impact on your choice of credit card and/or provider. When choosing a credit card deal:

  • Don't be attracted to flashy bonuses and promos but instead research and analyse deals that can benefit you now and keep benefiting you in the future.
  • Look at the financial position you are in now, and look into the deals and offers each credit card has that will ultimately aid your financial position and lifestyle.
  • Asking your provider is a key point in finding the best credit card deal for you, as the provider will be very much informed on all the latest and greatest credit card deals.I f you secure the best credit card deal for you, you are guaranteed t o feel the benefit, so it's vital you compare and ask questions in the process.
  • The type of deals you are interested in and that could benefit your position will have an impact on what credit card you decide to use. Would a low rate credit card aid your lifestyle? Do you have trouble keeping within your credit limit? Maybe a platinum credit card with their many frequent flyer point offers could be a bonus to you? Whatever it is, compare so you end up making a good decision.

The Best Credit Card Types

With all the different choices of credit cards you have, there are bound to be credit cards and credit card deals and offers that are better than others. To choose the best credit card deal for your situation:

  • Only knowledge of your own lifestyle and financial position will help you find the best credit card and credit card deals and offers best suited for YOU.
  • Make sure you are realistically informed about your financial position before approaching your provider with the process of finding the best credit card.

Remember, only you will feel the main effects of either suffering from your credit card choice, or benefiting from your credit card choice so use our comparison tables now to find the best credit card for you. Just remember, as shown above follow the steps of comparison and don't be afraid to ask questions and you're on your way!

Editors Choice: Best Credit Card Deals

Credit Card Card Details Interest Rate p.a. Cash Advance Rate p.a. Balance Transfer Rate p.a. Annual Fee Interest Free Days (Up To)
Suncorp Clear Options Standard

Suncorp Clear Options Standard

An excellent balance transfer offer of 1.9% p.a. for 12 months and a standard purchase rate of 12.24%

12.24% 17.99% 1.9% for 12 months $390
HSBC Credit Card

HSBC Credit Card

Excellent credit card, with a 0% p.a. for 6 months balance transfer offer, and pay $0 for the life of the card

16.99% 20.75% 0% for 6 months $055
Citibank Emirates Platinum Card

Citibank Emirates Platinum Card

Enjoy 1.9% p.a. for 12 months on balance transfers as well as earn 3 Skywards Miles for every dollar spent, plus all the benefits & privileges of a platinum card.

20.74% 20.74% 1.9% for 12 months $22955

Best Credit Cards is a financial comparison website, it has no affiliation with Australian Banks. We make an effort to keep up to date with all materials posted on this website, however there can be a delay between us and the banks. Best Credit Cards only represents a limited group of credit cards that are currently accessible by the Australian Market. The term 'best' is by no means a representation of the best card in the australian credit card market. It may not represent the best choice for your individual circumstances. It is always advised that you seek consultation from your own financial advisor before making a decision.