Compare Credit Cards in Australia (2026)
Compare credit card interest rates, annual fees, rewards programs, and balance transfer offers side by side. Last verified: 19/07/2026
Rates can change without notice. Last verified: 19/07/2026 (AEST). Please confirm details on the bank’s official page.
Whether you want rewards, low fees, or a cheaper balance transfer, start by matching the card to your spending habits. If you routinely pay off the full balance, rewards can make sense; if not, consider low-rate options first.
- Card
- Amplify Rewards Signature
- Program
- Amplify
- Bonus points
- 200,000
- Annual fee
- $295
- Interest-free days
- 55 days
- Verified
- 2026-07-19
- Card
- Altitude Black (Rewards)
- Program
- Altitude
- Bonus points
- 200,000
- Annual fee
- $295
- Interest-free days
- 45 days
- Verified
- 2026-07-19
- Card
- Altitude Qantas Black
- Program
- Qantas
- Bonus points
- 150,000
- Annual fee
- $295
- Interest-free days
- 45 days
- Verified
- 2026-07-19
- Card
- Altitude Velocity Black
- Program
- Velocity
- Bonus points
- 150,000
- Annual fee
- $295
- Interest-free days
- 45 days
- Verified
- 2026-07-19
- Card
- Premium Card
- Program
- Qantas
- Bonus points
- 120,000
- Annual fee
- $399
- Interest-free days
- 55 days
- Verified
- 2026-06-07
- Card
- Rewards Signature
- Program
- NAB Rewards
- Bonus points
- 110,000
- Annual fee
- $420
- Interest-free days
- 44 days
- Verified
- 2026-07-19
- Card
- Frequent Flyer Black
- Program
- Qantas
- Bonus points
- 130,000
- Annual fee
- $425
- Interest-free days
- 44 days
- Verified
- 2026-07-19
- Card
- Velocity Platinum
- Program
- Velocity
- Bonus points
- 50,000
- Annual fee
- $440
- Interest-free days
- 55 days
- Verified
- 2026-07-12
- Card
- Qantas American Express Ultimate
- Program
- Qantas
- Bonus points
- 50,000
- Annual fee
- $450
- Interest-free days
- 44 days
- Verified
- 2026-07-12
- Card
- Smart Awards
- Program
- CommBank Awards
- Bonus points
- 40,000
- Annual fee
- $228
- Interest-free days
- 44 days
- Verified
- 2026-06-14
| Action | |||||||
|---|---|---|---|---|---|---|---|
St.George | Amplify Rewards Signature | Amplify | 200,000 | $295 | 55 days | 2026-07-19 | |
Westpac | Altitude Black (Rewards) | Altitude | 200,000 | $295 | 45 days | 2026-07-19 | |
Westpac | Altitude Qantas Black | Qantas | 150,000 | $295 | 45 days | 2026-07-19 | |
Westpac | Altitude Velocity Black | Velocity | 150,000 | $295 | 45 days | 2026-07-19 | |
Qantas Money | Premium Card | Qantas | 120,000 | $399 | 55 days | 2026-06-07 | |
NAB | Rewards Signature | NAB Rewards | 110,000 | $420 | 44 days | 2026-07-19 | |
ANZ | Frequent Flyer Black | Qantas | 130,000 | $425 | 44 days | 2026-07-19 | |
American Express | Velocity Platinum | Velocity | 50,000 | $440 | 55 days | 2026-07-12 | |
American Express | Qantas American Express Ultimate | Qantas | 50,000 | $450 | 44 days | 2026-07-12 | |
CommBank | Smart Awards | CommBank Awards | 40,000 | $228 | 44 days | 2026-06-14 |
In-depth reviews
- Westpac Altitude Black review — 200,000 bonus Altitude Points, $295 fee, $12k in 12 months.
- Westpac Altitude Qantas Black review — 150,000 Qantas Points direct, $295 fee (+$75 QFF), $6k in 90 days.
- Westpac Altitude Velocity Black review — 150,000 Velocity Points direct, $295 fee (+$75), $6k in 90 days. VA lounge included.
- ANZ Frequent Flyer Black review — 130,000 Qantas Points + $200 back, $425 fee, $5k in 3 months.
- Amex Velocity Platinum review — 50,000 Velocity Points + free annual VA domestic flight + lounge. $440 fee.
- Amex Qantas Ultimate review — 50,000 Qantas Points + $450 travel credit + Centurion Lounge. $450 fee. Offer ends 28 Jul 2026.
- Low interest credit cards — Compare purchase rates from 10.99% p.a. for balance carriers.
- Balance transfer credit cards — 0% offers from 12 to 26 months. Compare BT periods, fees, and revert rates.
- No annual fee credit cards — $0 fee cards with low rates, rewards, and BT options.
How to Compare Credit Cards in Australia
- Purchase rate: The ongoing interest rate on new purchases.
- Annual fee: Weigh any fee against potential rewards value.
- Balance transfer details: Intro period, revert rate, transfer fee.
- Rewards & perks: Earn rates, caps, insurance, lounge access.
- Foreign use: Foreign transaction fee and travel coverage.
Who Might This Suit?
- Pay-in-full spenders: Rewards or no-annual-fee cards.
- Balance carriers: Low-rate or balance transfer cards.
- Frequent travellers: Cards with travel insurance and low FX fees.
FAQs
How do I choose a credit card?
Match the card to your goals. If you pay in full monthly, a rewards card may suit you. If you carry a balance, focus on a low ongoing purchase rate and minimal fees.
What fees should I watch for?
Annual fees, balance transfer fees, foreign transaction fees, late payment fees, and cash advance fees.
Do balance transfer offers affect my credit score?
Applying for any new credit can create a hard inquiry. Used carefully, balance transfers can reduce interest costs, but always check the revert rate and any transfer fees.
Information is general in nature and may change without notice. Check rates, eligibility and fees on the provider’s website before applying.