Credit Card Comparison
All credit cards are not created equal - some suit your financial situation better than others. The hard part is finding one that works for you and won’t cost a fortune. Our goal is to give you as much information as possible to make an informed decision about choosing a credit card. Our
credit card comparison site is unbiased, comprehensive and easy to understand. All the information you need to choose the best credit card deal is at your fingertips.
How Credit Card Researcher can help you.
- We make it easy to find information about credit card products.
- We give you the complete picture. The good, the not so good and all the fine print.
- All the information on our site is easy to read and compare.
- You can apply on our site for any of the credit cards you see listed.
Credit Card Researcher has information about credit cards that feature
no annual fees or
low annual fees,
low interest rates,
0% balance transfers,
rewards and incentives.
- Click on table items to expand and learn more
- Select credit cards to add to your shortlist to see more in-depth comparison. Maximum of 4 cards at a time.
Credit Card |
Interest Rate |
Balance Transfer Rate |
Interest Free Days (up to) |
Annual Fee |
Rewards |
|
|
ANZ Balance Visa
|
14.49% p.a.
|
N/A
|
0% 55 days
|
$79 ($57 p.a. + $22 Rewards Program Fee)
|
Cashback, Shopping, Good Times
|
|
- Enjoy all the benefits of this card and pay a low annual fee of $79
- Range of vouchers and gift certificates
- 24/7 monitoring of suspicious transactions
- You must have an income of over $15,000
Up to 55 days interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 14.49%. Cash advances have an annual interest rate of 21.74%.
There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 14.49%.
You will not be charged interest on any purchases for the first 55 days. Once the 0% period ends you will be charged an interest rate (per annum) of 14.49% on any purchases you make.
This credit card has an annual fee of $79 ($57 p.a. + $22 Rewards Program Fee)
You can earn up to 1 rewards points for every dollar you repay to your balance, including repayments to purchases, fees, interest, cash advances and repayments on balances transferred. You can redeem points for cashback, shopping vouchers and gift cards.
|
|
ANZ Low Rate MasterCard
|
0% for first 3 months then reverts to 13.24%
|
0% p.a.
for 3 months
|
0% 55 days
|
$58 p.a.
|
No rewards
|
|
- Enjoy all the benefits of this card and pay a low annual fee of $58
- Range of discounts and vouchers
- 24/7 monitoring of suspicious transactions
- No reward scheme available
Special offer: 0% p.a. for the first 3 months (ends 13/03/2012). After this period you will be charged an annual interest rate of 13.24%. Cash advances have an annual interest rate of 21.49%.
There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 13.24%.
You will not be charged interest on any purchases for the first 55 days. Once the 0% period ends you will be charged an interest rate (per annum) of 13.24% on any purchases you make.
This credit card has an annual fee of $58 p.a.
You do not receive rewards on this card.
|
|
Aussie MasterCard
|
9.99% first 12 months (reverts to 13.29%)
|
2.99% p.a.
12 months
|
0% 55 days
|
$49 p.a.
|
No rewards
|
|
- Enjoy all the benefits of this card and pay only $49 for the annual fee
- A low interest rate of 9.99% for the first 12 months
- No balance transfers between Aussie cards
- You must have an income of over $50,000 p.a. for non-permanent Australian residents
Up to 55 days interest free from the date the purchase is made, after this period you will be charged an interest rate of 9.99% for the first 12 months, then the rate reverts to 13.29% p.a. Cash advances have an annual interest rate of 19.99%.
Enjoy a rate of 2.99% on balance transfers for up to the first 12 months. Once the 2.99% period ends you will be charged an interest rate of 9.99% for the first 12 months, then the rate reverts to 12.99% p.a. on the transferred balance.
You will not be charged interest on any purchases for the first 55 days. Once the 0% period ends you will be charged an interest rate of 9.99% for the first 12 months, then the rate reverts to 13.29% p.a. on any purchases you make.
This credit card has an annual fee of $49 p.a.
There are no rewards for this credit card.
|
|
Bank of Queensland Platinum Visa Card
|
20.74% p.a.
|
1.9% p.a.
6 months
|
0% 55 days
|
$99 half price for life of the credit card
|
Travel, Shopping
|
|
- Enrollment into the Q Rewards® program
- Free International Travel Insurance
- Free Purchase Cover Insurance
Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.74%. Cash advances have an annual interest rate of 21.74%.
Enjoy an interest rate (per annum) of 1.9% on balance transfers for up to the first 6 months. Once the 1.9% period ends you will be charged an annual interest rate of 20.74% on the transferred balance.
You will not be charged interest on any purchases for the first 55. Once the 0% period ends you will be charged an interest rate (per annum) of 20.74% on any purchases you make.
This credit card has an annual fee of $99 half price for life of the credit card
You can earn up to 2 reward points for every dollar you spend and your points do not expire as long as your card stays active. You can redeem points for travel services and shopping offers.
|
|
St.George Vertigo MasterCard
|
13.24% p.a.
|
0.99% 6 months
|
0% 55 days
|
$55 p.a.
|
Discounts
|
|
- Enjoy all the benefits of this card and pay a low annual fee of $55
- Range of discounts through St.George Instant Benefits
- 24/7 monitoring of suspicious transactions
- No balance transfers between St.George or BankSA
Up to 55 days interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 13.24% for 6 months, then the interest rate moves to 12.24% p.a. Cash advances have an annual interest rate of 21.49%.
Enjoy an interest rate (per annum) of 0.99% on balance transfers for up to the first 6 months. Once the 0.99% period ends you will be charged an annual interest rate of 13.24% on the transferred balance.
You will not be charged interest on any purchases for the first 55 days. Once the 0% period ends you will be charged an interest rate (per annum) of 13.24% on any purchases you make.
This credit card has an annual fee of $55 p.a.
You receive instant discounts and added extras with St.George Instant Benefits such as entertainment and shopping vouchers.
|
|
Suncorp Clear Options Platinum Credit Card
|
20.74% p.a.
|
N/A
|
0% 55 days
|
$199 p.a.
|
Qantas Frequent Flyer
|
|
- 24/7 access to the Personal Concierge Service
- Credit limits of up to $30,000
- Free International Travel & Purchase Cover Insurance
- You must have an income of over $50,000
Up to 55 days interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.74%. Cash advances have an annual interest rate of 20.74%.
No balance transfer available
You will not be charged interest on any purchases for the first 55 days. Once the 0% period ends you will be charged an interest rate (per annum) of 20.74% on any purchases you make.
This credit card has an annual fee of $199 p.a.
You can earn up to 1 reward point for every dollar you spend and for an additional $19 per annum you can join the Suncorp Qantas Frequent Flyer and earn 1 Qantas Frequent Flyer point for every $1 spent. You can redeem points for travel services, entertainment and shopping offers.
|
|
Suncorp Clear Options Standard Credit Card
|
12.74% p.a.
|
N/A
|
0 days
|
$27 (usually $55)
|
No rewards
|
|
- Enjoy all the benefits of this card and pay a low annual fee of $27
- Range of entertainment offers
- You must have an income of over $20,000
- After N/A months, balance transfers have a cash advance interest rate of 21.99% p.a.
You will be charged an annual interest rate of 12.74% on all purchases and 21.99% on all cash advances.
There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 12.74%.
There is no introductory purchases offer on this product and any purchases will incur 12.74% interest rate.
This credit card has an annual fee of $27 (usually $55)
You do not receive rewards on this card.
|
|
St.George Amplify Credit Card
|
18.74% p.a.
|
0.99% p.a.
6 months
|
0% 55 days
|
$79 p.a.
|
Amplify Rewards
|
|
- Enjoy all the benefits of this card and pay a low annual fee of $79
- Range of discounts through St.George Instant Benefits
- 24/7 monitoring of suspicious transactions
- No balance transfers between St.George or BankSA
Up to 55 days interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 18.74%. Cash advances have an annual interest rate of 20.74%.
Enjoy an interest rate (per annum) of 0.99% on balance transfers for up to the first 6 months. Once the 0.99% period ends you will be charged an annual interest rate of 18.74% on the transferred balance.
You will not be charged interest on any purchases for the first 55 days. Once the 0% period ends you will be charged an interest rate (per annum) of 18.74% on any purchases you make.
This credit card has an annual fee of $79 p.a.
You receive instant discounts and added extras with St.George Instant Benefits such as entertainment and shopping vouchers.
|
|
ANZ Frequent Flyer
|
19.74% p.a.
|
N/A
|
0% 44 days
|
$95 p.a.
|
Qantas Frequent Flyer
|
|
|
Up to 44 days interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.74%. Cash advances have an annual interest rate of 20.99%.
There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 19.74%.
You will not be charged interest on any purchases for the first 44 days. Once the 0% period ends you will be charged an interest rate (per annum) of 19.74% on any purchases you make.
This credit card has an annual fee of $95 p.a.
You can earn up to 1 Qantas Frequent Flyer point for every dollar you spend and your points are not capped as long as your card stays active. You can redeem points for Qantas travel services.
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We’ve spent some time analysing credit cards aimed at businesses and have put together a list of our top 8 reasons to use a business credit card...watch now |
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As more of us struggle to pay off high interest credit cards, 0% or low rate balance transfers are coming to the rescue. Or are they?...watch now |
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Latest News
By Credit Card Researcher, 22 August 2011
Check out the latest interest rates, cash advance rates, annual fees and balance transfer details as 22 August 2011, read more
By Credit Card Researcher, 18 August 2011
Check out the latest interest rates, cash advance rates, annual fees and balance transfer details as 18 August 2011, read more
By Credit Card Researcher, 10 February 2011
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