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Credit Card	Interest Rate	Balance Transfer Rate	Interest Free Days (up to)	Annual Fee	Rewards
American Express Business Accelerator Credit Card	20.74% p.a.	N/A	0% 55 days	$160 p.a.	Travel, Shopping
Monthly statement includes a GST breakdown Use your points to pay off the card Earn 2 points to every $1 spent You must have an income of over $24,000 Be an Australian citizen or a permanent resident 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%. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.74%. 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 $160 p.a. You can earn up to 2 Membership Rewards 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, entertainment and shopping offers.
American Express Gold Business Card	N/A Charge Card	N/A	0% 51 days	$169 p.a.	Optional
Monthly statement includes a GST breakdown Free Domestic and International Travel Cover You must have an income of over $24,000 There are no set interest rates on this charge card, instead you pay the full balance every month. There is no introductory balance transfer offer on this charge card. You will not be charged interest on any purchases for the first 51. Once the 0% period ends you will need to pay the outstanding balance in full. This credit card has an annual fee of $169 p.a. Enrollment into the Ascent reward program is an additonal $80 per annum or the Choices reward program is $40 per annum. You can earn up to 1.5 Membership Rewards 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, entertainment and shopping offers.
American Express Card	N/A Charge Card	N/A	N/A	$80 p.a.	Optional
Enjoy all the benefits of this card and pay a low annual fee of $80 Cover against online fraud You must have an income of over $35,000 There are no set interest rates on this charge card, instead you pay the full balance every month. There is no introductory balance transfer offer on this charge card. There is no introductory purchases offer on this product. This credit card has an annual fee of $80 p.a. Enrollment into the Ascent reward program is an additonal $80 per annum or the Choices reward program is $40 per annum. You can earn up to 1.5 Membership Rewards 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, entertainment and shopping offers.
American Express Business Card	N/A Charge Card	N/A	0% 51 days	$109 p.a.	Optional
Monthly statement includes a GST breakdown Cover against online fraud You must have an income of over $24,000 Supplementary cards cost $79 p.a. There are no set interest rates on this charge card, instead you pay the full balance every month. There is no introductory balance transfer offer on this charge card. You will not be charged interest on any purchases for the first 51. Once the 0% period ends you will need to pay the outstanding balance in full. This credit card has an annual fee of $109 p.a. Enrollment into the Ascent reward program is an additonal $80 per annum or the Choices reward program is $40 per annum. You can earn up to 1.5 Membership Rewards 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, entertainment and shopping offers.
American Express Gold Ascent Credit Card	0% p.a.	N/A	0% 44 days	$0 p.a.	Travel, Shopping
Enrollment into the American Express Membership Rewards program Enjoy all the benefits of this card and pay $0 annual fee Cover against online fraud You must have an income of over $40,000 Special offer: 0% p.a. for the first 6 months. After this period you will be charged an annual interest rate of 20.74%. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 0%. You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 0% on any purchases you make. This credit card has an annual fee of $0 p.a. You can earn up to 1.5 Membership Rewards 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, entertainment and shopping offers.
American Express Platinum Business Card	N/A Charge Card	N/A	0% 51 days	$1200 p.a.	Travel, Shopping
Free Business Expenses Insurance and Travel Insurance Monthly statement includes a GST breakdown Free Purchase and Refund Protection You must have an income of over $75,000 Business must be running for 1 year There are no set interest rates on this charge card, instead you pay the full balance every month. There is no introductory balance transfer offer on this charge card. You will not be charged interest on any purchases for the first 51. Once the 0% period ends you will need to pay the outstanding balance in full. This credit card has an annual fee of $1200 p.a. You can earn up to 1.5 Membership Rewards 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, entertainment and shopping offers.
American Express Gold Card	N/A Charge Card	N/A	N/A	$169 p.a.	Optional
Enrollment into the American Express Membership Rewards program Free international travel insurance Free Purchase and Refund Protection You must have an income of over $50,000 There are no set interest rates on this charge card, instead you pay the full balance every month. There is no introductory balance transfer offer on this charge card. There is no introductory purchases offer on this product. This credit card has an annual fee of $169 p.a. Enrollment into the Ascent reward program is an additonal $80 per annum or the Choices reward program is $40 per annum. You can earn up to 1.5 Membership Rewards 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, entertainment and shopping offers.
American Express Platinum Card	N/A Charge Card	N/A	N/A	$900 p.a.	Travel, Shopping
Platinum card provides extensive travel and lifestyle benefits No preset spending limits You must have an income of over $100,000 There are no set interest rates on this charge card, instead you pay the full balance every month. There is no introductory balance transfer offer on this charge card. There is no introductory purchases offer on this product. This credit card has an annual fee of $900 p.a. You can earn up to 1.5 Membership Rewards 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, entertainment and shopping offers.
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.
American Express Platinum MoneyBack	20.49% p.a.	N/A	0% 44 days	$99 p.a.	Cashback
Enrollment into the American Express MoneyBack program Free Purchase and Refund Protection Enjoy all the benefits of this card and pay a low annual fee of $$99 You must have an income of over $40,000 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 20.49%. Cash advances have an annual interest rate of 20.49%. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.49%. 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 20.49% on any purchases you make. This credit card has an annual fee of $99 p.a. The card has a 5% introductory cashback rate for the first three months, which is capped at $300 for the first $6,000 you spend. After this period the cashback rate is 1% with no limit to your cashback.
American Express Qantas Business Card	N/A Charge Card	N/A	0% N/A days	$299 p.a.	Qantas Frequent Flyer
Enrollment into the Qantas Frequent Flyer Program Monthly statement includes a GST breakdown Cover against online fraud You must have an income of over $24,000 Best suited for company's with $2 to $200 million annual revenue There are no set interest rates on this charge card, instead you pay the full balance every month. There is no introductory balance transfer offer on this charge card. You will not be charged interest on any purchases for the first N/A. Once the 0% period ends you will need to pay the outstanding balance in full. This credit card has an annual fee of $299 p.a. You can earn up to 1 Qantas Frequent Flyer point for every dollar you spend on everyday purchases or you can earn up to 2 Qantas Frequent Flyer points for every dollar you spend on selected Qantas services. You can redeem points for Qantas travel services and shopping offers.
David Jones American Express Card	20.49% p.a.	N/A	0% 56 days	$99 p.a.	David Jones
Earn David Jones shopping vouchers Cover against online fraud Free Purchase Protection You must have an income of over $40,000 Up to 56 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.49%. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.49%. You will not be charged interest on any purchases for the first 56. Once the 0% period ends you will be charged an interest rate (per annum) of 20.49% on any purchases you make. This credit card has an annual fee of $99 p.a. You can earn up to 2 David Jones Gift Points for every dollar you spend and your points do not expire or capped as long as your card stays active. You can redeem points for travel services and a range of David Jones shopping offers.
Qantas American Express Classic Card	20.49% p.a.	N/A	0% 44 days	$149 p.a.	Qantas Frequent Flyer
Enrollment into the Qantas Frequent Flyer Program Free Purchase and Refund Protection Manage card online You must have an income of over $35,000 Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.49%. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.49%. You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 20.49% on any purchases you make. This credit card has an annual fee of $149 p.a. You can earn up to 1 Qantas Frequent Flyer point for every dollar you spend and your points do not expire or capped as long as your card stays active. You can redeem points for Qantas travel services and shopping offers.
Qantas American Express Premium Card	20.74% p.a.	N/A	N/A	$249 p.a.	Qantas Frequent Flyer
Enrollment into the Qantas Frequent Flyer Program Free Domestic and Overseas Travel Insurance Free Purchase and Refund Protection You must have an income of over $40,000 There are no interest free dates on purchases and you will be charged an annual interest rate of 20.74% from the purchase date. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.74%. There is no introductory purchases offer on this product and any purchases will incur 20.74% interest rate. This credit card has an annual fee of $249 p.a. You can earn up to 1.25 Qantas Frequent Flyer points for every dollar you spend on everyday purchases or you can earn up to 2.25 Qantas Frequent Flyer points for every dollar you spend on selected Qantas services. You can redeem points for Qantas travel services and shopping offers.
Qantas American Express Ultimate Card	20.74% p.a.	N/A	N/A	$450 p.a.	Qantas Frequent Flyer
Enrollment into the Qantas Frequent Flyer Program Free Domestic and Overseas Travel Insurance Free Purchase and Refund Protection You must have an income of over $65,000 There are no interest free dates on purchases and you will be charged an annual interest rate of 20.74% from the purchase date. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.74%. There is no introductory purchases offer on this product and any purchases will incur 20.74% interest rate. This credit card has an annual fee of $450 p.a. You can earn up to 1.5 Qantas Frequent Flyer points for every dollar you spend on everyday purchases or you can earn up to 2.5 Qantas Frequent Flyer points for every dollar you spend on selected Qantas services. You can redeem points for Qantas travel services and shopping offers.
ANZ First Visa	0% for first 3 months then reverts to 19.24%	0% p.a. for 3 months	0% 44 days	$30	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $30 24/7 monitoring of suspicious transactions Add 3 additional cardholders at no extra cost 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 19.24%. 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 19.24%. 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 19.24% on any purchases you make. This credit card has an annual fee of $30 You do not receive rewards on this card.
ANZ Frequent Flyer Platinum	19.74% p.a.	N/A	0% 55 days	$295 p.a.	Qantas Frequent Flyer
Earn up to 1 Frequent Flyer point for every dollar you spend 24/7 monitoring of suspicious transactions If you are a non-permanent Australian resident you must have an income of $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 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 55 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 $295 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.
ANZ Platinum	0% for first 6 months then reverts to 19.24%	0% p.a. for 6 months	0% 55 days	$0 for 1st year (reverts to $87 unless you spent $20,000 last year then it is waivered)	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $0 Free Overseas Travel and Medical Insurance Free 90-day Purchase Security Insurance You must have an income of over $50,000 Special offer: 0% p.a. for the first 6 months (ends 13/03/2012). After this period you will be charged an annual interest rate of 19.24%. 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 19.24%. 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 19.24% on any purchases you make. This credit card has an annual fee of $0 for 1st year (reverts to $87 unless you spent $20,000 last year then it is waivered) You do not receive rewards on this card.
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.
ANZ Rewards	19.74% p.a.	N/A	0% 44 days	$89 p.a.	Travel, Shopping
Enjoy all the benefits of this card and pay a low annual fee of $89 Range of discounts and vouchers 24/7 monitoring of suspicious transactions If you are a non-permanent Australian resident you must have an income of $50,000 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 $89 p.a. You can earn up to 1 reward point for every dollar you spend on every day purchases. You can redeem points for travel services, entertainment and shopping offers.
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 Blue Visa Card	20.74% p.a.	1.9% p.a. 6 months	0% 44 days	$60 p.a.	Travel, Shopping
Enrollment into the Q Rewards® program Enjoy all the benefits of this card and pay a low annual fee of $60 Free Purchase Cover Insurance Up to 44 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%. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.74%. You will not be charged interest on any purchases for the first 44. 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 $60 p.a. You can earn up to 1 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.
Bank of Queensland Gold Visa Card	20.74% p.a.	1.9% p.a. 6 months	0% 55 days	$120 p.a.	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 $120 p.a. You can earn up to 1 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.
Bank of Queensland Low Rate Visa Card	13.49% p.a.	1.9% p.a. 6 months	0% 55 days	$55 p.a.	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $55 Internet Banking and EasyPhone Banking access Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 13.49%. Cash advances have an annual interest rate of 21.49%. 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 13.49% 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 13.49% on any purchases you make. This credit card has an annual fee of $55 p.a. You do not receive rewards on this 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.
Bankwest Business Large Rewards MasterCard	16.99% p.a. 6 months	7.99% p.a. 6 Months	0% 55 days	$69 p.a.	Travel, Shopping
One of Australia's lowest interest rates Enjoy all the benefits of this card and pay a low annual fee of $69 Receive 6, bonus points after 6 months No balance transfers between Bankwest There is an introductory annual interest rate of 16.99% for the first 6 months. After this period you will be charged an annual interest rate of 16.74% on all purchases and 20.99% on cash advances. Enjoy an interest rate (per annum) of 16.99% on balance transfers for up to the first 6 Months. Once the 16.99% period ends you will be charged an annual interest rate of 16.74% 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 16.74% on any purchases you make. This credit card has an annual fee of $69 p.a. You can earn up to 1.5 reward points for every dollar you spend and your points do not expire or capped as long as your card stays active. You can redeem points for travel services, entertainment and shopping offers.
Bankwest Business Low Rate MasterCard	12.99% p.a. 6 months	7.99% p.a. 6 months	0% 45 days	$39 p.a.	Optional
Enjoy all the benefits of this card and pay a low annual fee of $39 One of Australia's lowest interest rates No reward point caps or points expiry No balance transfers between Bankwest There is an introductory annual interest rate of 12.99% for the first 6 months. After this period you will be charged an annual interest rate of 12.74% on all purchases and 20.99% on cash advances. Enjoy an interest rate (per annum) of 12.99% on balance transfers for up to the first 6 months. Once the 12.99% period ends you will be charged an annual interest rate of 12.74% on the transferred balance. You will not be charged interest on any purchases for the first 45. Once the 0% period ends you will be charged an interest rate (per annum) of 12.74% on any purchases you make. This credit card has an annual fee of $39 p.a. Enrollment into the Business rewards program is an additonal $69 per annum. You can earn up to 1 reward points for every dollar you spend and your points do not expire or capped as long as your card stays active. You can redeem points for travel services, entertainment and shopping offers.
Bankwest Corporate MasterCard	16.99% p.a.	N/A	0% 50 days	$99 p.a.	Travel, Shopping
Enjoy all the benefits of this card and pay a low annual fee of $99 Liability insurance to protect against employee card misuse Up to 50 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 16.99%. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 16.99%. You will not be charged interest on any purchases for the first 50. Once the 0% period ends you will be charged an interest rate (per annum) of 16.99% on any purchases you make. This credit card has an annual fee of $99 p.a. You can earn up to 1.5 reward points for every dollar you spend and your points do not expire or capped as long as your card stays active. You can redeem points for travel services, entertainment and shopping offers. Additional annual fees apply to reward program enrollment.
Bankwest Lite Gold MasterCard	10.75% p.a.	5.99% p.a. 12 months	N/A	$89 p.a.	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $89 One of Australia's lowest interest rates Free airline travel and accident insurance protection No interest free days No balance transfers between Bankwest You will be charged an annual interest rate of 10.75% on all purchases and 21.99% on all cash advances. Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first 12 months. Once the 5.99% period ends you will be charged an annual interest rate of 10.75% on the transferred balance. There is no introductory purchases offer on this product and any purchases will incur 10.75% interest rate. This credit card has an annual fee of $89 p.a. You do not receive rewards on this card.
Bankwest Lite MasterCard	10.75% p.a.	5.99% p.a. 12 months	N/A	$59 p.a.	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $59 One of Australia's lowest interest rates No interest free days No balance transfers between Bankwest You will be charged an annual interest rate of 10.75% on all purchases and 21.99% on all cash advances. Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first 12 months. Once the 5.99% period ends you will be charged an annual interest rate of 10.75% on the transferred balance. There is no introductory purchases offer on this product and any purchases will incur 10.75% interest rate. This credit card has an annual fee of $59 p.a. You do not receive rewards on this card.
Bankwest Lite Platinum MasterCard	10.75% p.a.	5.99% p.a. 12 months	N/A	$120 p.a.	No rewards
One of Australia's lowest interest rates Free airline travel and accident insurance protection Free purchase protection on any goods you buy No interest free days No balance transfers between Bankwest You will be charged an annual interest rate of 10.75% on all purchases and 21.99% on all cash advances. Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first 12 months. Once the 5.99% period ends you will be charged an annual interest rate of 10.75% on the transferred balance. There is no introductory purchases offer on this product and any purchases will incur 10.75% interest rate. This credit card has an annual fee of $120 p.a. You do not receive rewards on this card.
Bankwest More Gold MasterCard	18.99% p.a.	1.99% p.a. 9 months	N/A	$120 p.a.	Shopping, Wine
Receive 10, Bonus Points when you activate your card Free airline travel and accident insurance protection Free purchase protection on any goods you buy You will be charged an annual interest rate of 18.99% on all purchases and 21.74% on all cash advances. Enjoy an interest rate (per annum) of 1.99% on balance transfers for up to the first 9 months. Once the 1.99% period ends you will be charged an annual interest rate of 18.99% on the transferred balance. There is no introductory purchases offer on this product and any purchases will incur 18.99% interest rate. This credit card has an annual fee of $120 p.a. You can earn up to 1.5 reward points for every dollar you spend and you receive 10,000 bonus points when you activate the card. You can redeem points for shopping and wine offers.
Bankwest More MasterCard	18.99% p.a.	1.99% p.a. 9 months	N/A	$89 p.a.	Shopping, Wine
Receive 5, Bonus Points when you activate your card Enjoy all the benefits of this card and pay a low annual fee of $89 You will be charged an annual interest rate of 18.99% on all purchases and 21.74% on all cash advances. Enjoy an interest rate (per annum) of 1.99% on balance transfers for up to the first 9 months. Once the 1.99% period ends you will be charged an annual interest rate of 18.99% on the transferred balance. There is no introductory purchases offer on this product and any purchases will incur 18.99% interest rate. This credit card has an annual fee of $89 p.a. You can earn up to 1.5 reward points for every dollar you spend and you receive 5,000 bonus points when you activate the card. You can redeem points for shopping and wine offers.
Bankwest More Platinum MasterCard	18.74% p.a.	N/A	N/A	$190 p.a.	Shopping, Wine
Receive 15, Bonus Points when you activate your card Earn 2 points per dollar you spend on eligible purchases Free airline travel and accident insurance protection You will be charged an annual interest rate of 18.74% on all purchases and 21.74% 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 18.74%. There is no introductory purchases offer on this product and any purchases will incur 18.74% interest rate. This credit card has an annual fee of $190 p.a. You can earn up to 1.5 reward points for every dollar you spend and you receive 15,000 bonus points when you activate the card. You can redeem points for shopping and wine offers.
Bankwest Zero Gold MasterCard	1% p.a % p.a.	4.99% p.a. 12 months	N/A	$0 p.a.	No rewards
Enjoy all the benefits of this card and pay $0 annual fee Low cash advance rate of 18.99% p.a. Free airline travel and accident insurance protection No balance transfers between Bankwest You will be charged an annual interest rate of 1% p.a % on all purchases and 18.99% on all cash advances. Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 12 months. Once the 4.99% period ends you will be charged an annual interest rate of 1% p.a % on the transferred balance. There is no introductory purchases offer on this product and any purchases will incur 1% p.a % interest rate. This credit card has an annual fee of $0 p.a. You do not receive rewards on this card.
Bankwest Zero MasterCard	1% p.a% p.a.	4.99% p.a. 12 months	N/A	$0 p.a.	No rewards
Enjoy all the benefits of this card and pay $0 annual fee Low cash advance rate of 18.99% p.a. No balance transfers between Bankwest You will be charged an annual interest rate of 1% p.a% on all purchases and 18.99% on all cash advances. Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 12 months. Once the 4.99% period ends you will be charged an annual interest rate of 1% p.a% on the transferred balance. There is no introductory purchases offer on this product and any purchases will incur 1% p.a% interest rate. This credit card has an annual fee of $0 p.a. You do not receive rewards on this card.
Bankwest Zero Platinum MasterCard	1% p.a% p.a.	4.99% p.a. 12 months	N/A	$0 p.a.	No rewards
Enjoy all the benefits of this card and pay $0 annual fee Low cash advance rate of 18.99% p.a. 24/7 concierge service to help you arrange travel, shopping and medical services No balance transfers between Bankwest You will be charged an annual interest rate of 1% p.a% on all purchases and 18.99% on all cash advances. Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 12 months. Once the 4.99% period ends you will be charged an annual interest rate of 1% p.a% on the transferred balance. There is no introductory purchases offer on this product and any purchases will incur 1% p.a% interest rate. This credit card has an annual fee of $0 p.a. You do not receive rewards on this card.
Bendigo Basic Black	11.99% p.a.	N/A	0% 44 days	$45 p.a.	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $45 Low cash advance rate of 11.99% p.a. Additional cardholders are free Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 11.99%. Cash advances have an annual interest rate of 11.99%. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 11.99%. You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 11.99% on any purchases you make. This credit card has an annual fee of $45 p.a. You do not receive rewards on this card.
Bendigo Gold	19.74% p.a.	N/A	0% 55 days	$85 p.a.	Travel, Shopping
Enjoy all the benefits of this card and pay a low annual fee of $85 Enrollment into the Bendigo Rewards program Purchase travellers' cheques commission free at any Bendigo Bank Branch Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.74%. 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 55. 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 $85 p.a. You can earn up to 6 reward points for every dollar you spend on selected bonus partners (you earn 1.5 reward points for every dollar you spend on on every day purchases). You can redeem points for travel services, entertainment and shopping offers.
Bendigo Red	19.74% p.a.	N/A	0% 44 days	$45 p.a.	Travel, Shopping
Enjoy all the benefits of this card and pay a low annual fee of $45 Enrollment into the Bendigo Rewards program Additional cardholders are free Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.74%. 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. 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 $45 p.a. You can earn up to 6 reward points for every dollar you spend on selected bonus partners (you earn 1.5 reward points for every dollar you spend on on every day purchases). You can redeem points for travel services, entertainment and shopping offers.
Citibank BP MasterCard	20.89% p.a.	0% p.a. 6 months	0% 55 days	$89 p.a.	Cashback
Enjoy all the benefits of this card and pay a low annual fee of $89 0% p.a. balance transfer for 6 months + $50 cash back on first spend You must have an income of over $20,000 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 20.89%. Cash advances have an annual interest rate of 21.39%. Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first 6 months. Once the 0% period ends you will be charged an annual interest rate of 21.39% 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 20.89% on any purchases you make. This credit card has an annual fee of $89 p.a. Earn $50 cash back on first spend and you can earn 5% cashback on purchases at BP or every day purchases earn you 0.5% cashback on the first $5,000 you spend.
Coles Group Source MasterCard	19.74% p.a.	0% p.a. 6 months	0% 62 days	$0 p.a.	FlyBuys, Fuel
Enjoy all the benefits of this card and pay $0 annual fee Save up to 8 cents per litre on fuel Range of discounts and vouchers No balance transfers between Coles Group or GE Money Up to 62 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 21.99%. Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first 6 months. Once the 0% period ends you will be charged an annual interest rate of 19.74% on the transferred balance. You will not be charged interest on any purchases for the first 62. 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 $0 p.a. You can earn up to 2 FlyBuys points for every 5 dollars you spend at Coles and you can save up to 8 cents per litre on fuel.
Commonwealth Bank Awards	20.49% p.a.	5.99% p.a. 5 months	0% 55 days	$89 p.a. (or $59 if conditions are met)	Travel, Shopping
Enjoy all the benefits of this card and pay a low annual fee of $89 Free Emergency Travel Assistance Range of discounts and vouchers Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.49%. Cash advances have an annual interest rate of 21.49%. Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first 5 months. Once the 5.99% period ends you will be charged an annual interest rate of 21.49% 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 20.49% on any purchases you make. This credit card has an annual fee of $89 p.a. (or $59 if conditions are met) You can earn up to 1.5 reward points for every dollar you spend and you can earn up to 50,000 points per year. You can redeem points for travel services, entertainment and shopping offers.
Commonwealth Bank Gold Awards	20.49% p.a.	5.99% p.a. 5 months	0% 55 days	$144 p.a. (or $114 if conditions are met)	Travel, Shopping
Free international travel insurance Free Emergency Travel Assistance Enrollment into the Commonwealth Awards program 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 20.49%. Cash advances have an annual interest rate of 21.49%. Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first 5 months. Once the 5.99% period ends you will be charged an annual interest rate of 21.49% 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 20.49% on any purchases you make. This credit card has an annual fee of $144 p.a. (or $114 if conditions are met) You can earn up to 1 reward point for MasterCard and 2 reward points American Express for every dollar you spend and you can earn up to 100,000 points per year. You can redeem points for travel services, entertainment and shopping offers.
Commonwealth Bank Low Fee	19.99% p.a.	5.99% p.a. 5 months	0% 55 days	$24 p.a. (or $0 if conditions are met)	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $24 24/7 monitoring of suspicious transactions No reward scheme Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.99%. Cash advances have an annual interest rate of 21.49%. Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first 5 months. Once the 5.99% period ends you will be charged an annual interest rate of 21.49% 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 19.99% on any purchases you make. This credit card has an annual fee of $24 p.a. (or $0 if conditions are met) You do not receive rewards on this card.
Commonwealth Bank Low Fee Gold	19.99% p.a.	5.99% p.a. 5 months	0% 55 days	$90 p.a.	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $90 Free international travel insurance A range of complimentary shopping insurances No reward scheme Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.99%. Cash advances have an annual interest rate of 21.49%. Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first 5 months. Once the 5.99% period ends you will be charged an annual interest rate of 21.49% 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 19.99% on any purchases you make. This credit card has an annual fee of $90 p.a. You do not receive rewards on this card.
Commonwealth Bank Low Rate	13.24% p.a.	5.99% p.a. 5 months	0% 55 days	$78 p.a.	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $78 Complimentary additional card for a family member or friend No reward scheme Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 13.24%. Cash advances have an annual interest rate of 21.49%. Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first 5 months. Once the 5.99% period ends you will be charged an annual interest rate of 21.49% 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 13.24% on any purchases you make. This credit card has an annual fee of $78 p.a. You do not receive rewards on this card.
Commonwealth Bank Low Rate Gold	13.24% p.a.	5.99% p.a. 5 months	0% 55 days	$120 p.a.	No rewards
Free international travel insurance A range of complimentary shopping insurances No reward scheme available Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 13.24%. Cash advances have an annual interest rate of 21.49%. Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first 5 months. Once the 5.99% period ends you will be charged an annual interest rate of 21.49% 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 13.24% on any purchases you make. This credit card has an annual fee of $120 p.a. You do not receive rewards on this card.
Commonwealth Bank Platinum Awards	20.49% p.a.	5.99% p.a. 5 months	0% 55 days	$280 p.a. (or $250 if conditions are met)	Travel, Shopping
Free international travel insurance 24/7 access to a Personal Concierge service Enrollment into the Commonwealth Awards program 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 20.49%. Cash advances have an annual interest rate of 21.49%. Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first 5 months. Once the 5.99% period ends you will be charged an annual interest rate of 21.49% 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 20.49% on any purchases you make. This credit card has an annual fee of $280 p.a. (or $250 if conditions are met) You can earn up to 1 reward point for MasterCard and 3 reward points American Express for every dollar you spend and you can earn up to 250,000 points per year. You can redeem points for travel services, entertainment and shopping offers.
Commonwealth Bank Student Card	19.99% p.a.	5.99% p.a. 5 months	0% 55 days	$0 annual fee for the duration of studies.	No rewards
Enjoy all the benefits of this card and pay no annual fee for the first year Card tailored for full time tertiary students Minimum card approval requirements No reward scheme available Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.99%. Cash advances have an annual interest rate of 21.49%. Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first 5 months. Once the 5.99% period ends you will be charged an annual interest rate of 21.49% 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 19.99% on any purchases you make. This credit card has an annual fee of $0 annual fee for the duration of studies. You do not receive rewards on this card.
Earth Credit Card	19.64% p.a.	1.99% p.a. 9 months	0% 45 days	$75 p.a.	Qantas Frequent Flyer
Enjoy all the benefits of this card and pay a low annual fee of $75 An award winning credit card No balance transfers from Westpac accounts Up to 45 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.64%. Cash advances have an annual interest rate of 21.14%. Enjoy an interest rate (per annum) of 1.99% on balance transfers for up to the first 9 months. Once the 1.99% period ends you will be charged an annual interest rate of 19.64% on the transferred balance. You will not be charged interest on any purchases for the first 45. Once the 0% period ends you will be charged an interest rate (per annum) of 19.64% on any purchases you make. This credit card has an annual fee of $75 p.a. You can earn up to 1 Qantas Frequent Flyer point for every dollar you spend and your points do not expire or capped as long as your card stays active. You can redeem points for Jetstar and Qantas travel services.
Earth Gold Credit Card	19.64% p.a.	0.99% p.a. 6 months	0% 45 days	$125 p.a.	Qantas Frequent Flyer
Awarded a Cannex 5 star rating Free Overseas Travel Insurance Free Purchase Security & Extended Warranty Insurance No balance transfers from Westpac accounts Up to 45 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.64%. Cash advances have an annual interest rate of 21.14%. 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 19.64% on the transferred balance. You will not be charged interest on any purchases for the first 45. Once the 0% period ends you will be charged an interest rate (per annum) of 19.64% on any purchases you make. This credit card has an annual fee of $125 p.a. You can earn up to 1 Qantas Frequent Flyer point for every dollar you spend and your points do not expire or capped as long as your card stays active. You can redeem points for Jetstar and Qantas travel services.
Earth Platinum Credit Card	19.64% p.a.	0.99% p.a. 6 months	0% 45 days	$250 p.a.	Qantas Frequent Flyer
24/7 access to the Earth Platinum Concierge service Free Overseas Travel Insurance Free Purchase Security & Extended Warranty Insurance No balance transfers from Westpac accounts Up to 45 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.64%. Cash advances have an annual interest rate of 21.14%. 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 19.64% on the transferred balance. You will not be charged interest on any purchases for the first 45. Once the 0% period ends you will be charged an interest rate (per annum) of 19.64% on any purchases you make. This credit card has an annual fee of $250 p.a. You can earn up to 1.5 Qantas Frequent Flyer point for every dollar you spend and your points do not expire or capped as long as your card stays active. You can redeem points for Jetstar and Qantas travel services.
GE Money eco MasterCard	19.99% p.a.	0% p.a. 6 months	0% 55 days	$49 p.a.	No rewards
Every time you spend on your GE Money eco MasterCard, you'll contribute to projects that offset greenhouse gas emissions Enjoy all the benefits of this card and pay a low annual fee of $49 Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.99%. Cash advances have an annual interest rate of 21.99%. Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first 6 months. Once the 0% period ends you will be charged an annual interest rate of 19.99% 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 19.99% on any purchases you make. This credit card has an annual fee of $49 p.a. You do not receive rewards on this card.
GE Money Low Rate MasterCard	15.49% p.a.	4.99% p.a. 6 months	0% 55 days	$58 p.a.	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $58 Manage card online Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 15.49%. Cash advances have an annual interest rate of 20.99%. Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 6 months. Once the 4.99% period ends you will be charged an annual interest rate of 15.49% 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 15.49% on any purchases you make. This credit card has an annual fee of $58 p.a. You do not receive rewards on this card.
GE Money MasterCard	N/A Charge Card	9.99% p.a. 6 months	0% 55 days	$39 p.a.	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $39 Manage card online There are no set interest rates on this charge card, instead you pay the full balance every month. Enjoy an interest rate (per annum) of 9.99% on balance transfers for up to the first 6 months. Once the 9.99% period ends you will be charged an annual interest rate of 23.5% on the transferred balance. You will not be charged interest on any purchases for the first 55. Once the 0% period ends you will need to pay the outstanding balance in full. This credit card has an annual fee of $39 p.a. You do not receive rewards on this card.
HSBC Credit Card	17.99% p.a.	0% p.a. for 6 months, 2% handling fee applies	0% 55 days	$0 annual fee for the life of the card	No rewards
Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 17.99%. Cash advances have an annual interest rate of 21.99%. Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first for 6 months, 2% handling fee applies. Once the 0% period ends you will be charged an annual interest rate of 21.99% 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 17.99% on any purchases you make. This credit card has an annual fee of $0 annual fee for the life of the card You do not receive rewards on this card.
HSBC Platinum Credit Card	19.99% p.a.	0% p.a. for 6 months, 2% handling fee applies	0% 55 days	$0 for the first year, reverts to $129	Travel, Shopping
Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.99%. Cash advances have an annual interest rate of 21.99%. Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first for 6 months, 2% handling fee applies. Once the 0% period ends you will be charged an annual interest rate of 19.99% 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 19.99% on any purchases you make. This credit card has an annual fee of $0 for the first year, reverts to $129 You can earn up to 1 reward point 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.
HSBC Premier Credit Card	19.99% p.a.	5.99% p.a.	0% 55 days	$0 HSBC Rewards Plus, $99 - HSBC Qantas Rewards	Travel, Shopping
Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.99%. Cash advances have an annual interest rate of 21.99%. Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first . Once the 5.99% period ends you will be charged an annual interest rate of 21.99% 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 19.99% on any purchases you make. This credit card has an annual fee of $0 HSBC Rewards Plus, $99 - HSBC Qantas Rewards You can earn up to 1 reward point 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.
Jetstar MasterCard	10.99% p.a.	0% p.a. 6 months	0% 55 days	$49 p.a.	Jetstar Dollars
Enjoy all the benefits of this card and pay a low annual fee of $49 Range of offers on events You must have an income of over $30,000 Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 10.99%. Cash advances have an annual interest rate of 19.99%. Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first 6 months. Once the 0% period ends you will be charged an annual interest rate of 10.99% 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 10.99% on any purchases you make. This credit card has an annual fee of $49 p.a. You can earn 1 cent in Jetstar Dollars every dollar you spend on every day puchases and you can earn up to $500 Jetstar Dollars per year. You can redeem points for Jetstar travel services.
Jetstar Platinum MasterCard	17.99% p.a.	0% p.a. 6 months	0% 55 days	$149 p.a.	Jetstar Dollars
24/7 access to the Personal Concierge Service Free Overseas Travel Insurance & Purchase Protection Cover Extended Warranty & free Transport Accident 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 17.99%. Cash advances have an annual interest rate of 19.99%. Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first 6 months. Once the 0% period ends you will be charged an annual interest rate of 17.99% 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 17.99% on any purchases you make. This credit card has an annual fee of $149 p.a. You can earn 1 cent in Jetstar Dollars every dollar you spend on every day puchases and you can earn up to $2,000 Jetstar Dollars per year. You can redeem points for Jetstar travel services.
Macquarie Visa Platinum Card	20.45% p.a.	0% p.a. 6 months	0% 55 days	$200 p.a.	Travel, Shopping
Enrollment into the Macquarie Bank Rewards Program Redeem your points for a range of merchandise or flights Free Overseas Travel Insurance You must have an income of over $50,000 Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.45%. Cash advances have an annual interest rate of 21.45%. Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first 6 months. Once the 0% period ends you will be charged an annual interest rate of 20.45% 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 20.45% on any purchases you make. This credit card has an annual fee of $200 p.a. You can earn up to 1.25 reward points for every dollar you spend and your points are capped at $200,000. You can redeem points for travel services, entertainment and shopping offers.
Members Equity MasterCard	11.74% p.a.	N/A	0% 44 days	$39 p.a.	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $39 No charge for up to 8 additional cardholders Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 11.74%. Each cash advance incurs a $1.25 fee. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 11.74%. You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 11.74% on any purchases you make. This credit card has an annual fee of $39 p.a. You do not receive rewards on this card.
NAB Gold Card	19.74% p.a.	1% p.a. 12 months	0% 44 days	$90 p.a.	FlyBuys
Enjoy all the benefits of this card and pay a low annual fee of $90 Free Overseas Travel Insurance Link to your FlyBuys membership at no extra cost Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.74%. Enjoy an interest rate (per annum) of 1% on balance transfers for up to the first 12 months. Once the 1% period ends you will be charged an annual interest rate of 19.74% on the transferred balance. You will not be charged interest on any purchases for the first 44. 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 $90 p.a. Link your NAB Gold Card to your FlyBuys membership at no additional cost and earn points towards a great range of awards as you spend.
NAB Low Rate Visa Card	2.99%% p.a.	4.99% p.a. 6 months	0% 55 days	$59 p.a.	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $59 Emergency travel assistance 24 hours a day, 7 days a week No reward scheme available No balance transfers between NAB Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 2.99%%. Cash advances have an annual interest rate of 21.74%. Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 6 months. Once the 4.99% period ends you will be charged an annual interest rate of 21.74% 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 2.99%% on any purchases you make. This credit card has an annual fee of $59 p.a. You do not receive rewards on this card.
NAB Qantas Card	20.24% p.a.	4.99% p.a. 6 months	0% 45 days	$65 p.a.	Qantas Frequent Flyer
Enjoy all the benefits of this card and pay a low annual fee of $65 Enrollment into the Qantas Frequent Flyer program Free Purchase Protection Insurance No balance transfers between NAB Up to 45 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.24%. Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 6 months. Once the 4.99% period ends you will be charged an annual interest rate of 21.74% on the transferred balance. You will not be charged interest on any purchases for the first 45. Once the 0% period ends you will be charged an interest rate (per annum) of 20.24% on any purchases you make. This credit card has an annual fee of $65 p.a. You can earn up to 1 Qantas Frequent Flyer point for every dollar you spend. You can redeem points for travel services, entertainment and shopping offers.
NAB Qantas Gold Card	20.24% p.a.	4.99% p.a. 6 months	0% 44 days	$145.50 p.a.	Qantas Frequent Flyer
Enrollment into the Qantas Frequent Flyer program NAB Gold Overseas Travel Insurance Free Extended Warranty & Purchase Protection Insurance No balance transfers between NAB Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.24%. Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 6 months. Once the 4.99% period ends you will be charged an annual interest rate of 21.74% on the transferred balance. You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 20.24% on any purchases you make. This credit card has an annual fee of $145.50 p.a. You can earn up to 1 Qantas Frequent Flyer point for every dollar you spend. You can redeem points for travel services, entertainment and shopping offers.
NAB Qantas Platinum Card	20.24% p.a.	4.99% p.a. 6 months	0% 44 days	$290 p.a.	Qantas Frequent Flyer, Shopping
Enrollment into the Qantas Frequent Flyer program Large range of free insurances No reward points cap and no expiry No balance transfers between NAB Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.24%. Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 6 months. Once the 4.99% period ends you will be charged an annual interest rate of 21.74% on the transferred balance. You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 20.24% on any purchases you make. This credit card has an annual fee of $290 p.a. You can earn up to 1.5 Qantas Frequent Flyer point 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, entertainment and shopping offers.
NAB Standard Card	19.49% p.a.	4.99% p.a. 6 months	0% 44 days	$30 p.a.	FlyBuys
Enjoy all the benefits of this card and pay a low annual fee of $30 Free Purchase Protection Insurance No balance transfers between NAB Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.49%. Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 6 months. Once the 4.99% period ends you will be charged an annual interest rate of 19.49% on the transferred balance. You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 19.49% on any purchases you make. This credit card has an annual fee of $30 p.a. Link your NAB Standard Card to your FlyBuys membership at no additional cost and earn points towards a great range of awards as you spend.
Velocity NAB Gold Card	20.24% p.a.	4.99% p.a. 6 months	0% 44 days	$150 p.a.	Travel, Shopping
Free enrollment into the NAB Velocity Program No cap or expiry on your Velocity Points Free NAB Gold Overseas Travel Insurance No balance transfers between NAB Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.24%. Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 6 months. Once the 4.99% period ends you will be charged an annual interest rate of 21.74% on the transferred balance. You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 20.24% on any purchases you make. This credit card has an annual fee of $150 p.a. You can earn up to 2 Velocity Points for every 2 dollars you spend and your points do not expire as long as your card stays active. You can redeem points for Virgin Blue travel services
Velocity NAB Standard Card	20.24% p.a.	4.99% p.a. 6 months	0% 44 days	$65 p.a.	Travel, Shopping
Enjoy all the benefits of this card and pay a low annual fee of $65 Free enrollment into the NAB Velocity Program No cap or expiry on your Velocity Points No balance transfers between NAB Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.24%. Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 6 months. Once the 4.99% period ends you will be charged an annual interest rate of 21.74% on the transferred balance. You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 20.24% on any purchases you make. This credit card has an annual fee of $65 p.a. You can earn up to 1.5 Velocity Points for every 2 dollars you spend and your points do not expire as long as your card stays active. You can redeem points for Virgin Blue travel services
St.George Gold Low Rate	15.99% p.a.	N/A 0	0% 55 days	$79 p.a.	Discounts
Enjoy all the benefits of this card and pay a low annual fee of $79 Complimentary overseas travel insurance when you purchase a trip on your card Special offer: 0% p.a. for the first 9 months. After this period you will be charged an annual interest rate of 15.99%. Cash advances have an annual interest rate of 20.24%. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 15.99%. 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 15.99% on any purchases you make. This credit card has an annual fee of $79 p.a. You revcieve instant discounts and added extras with St.George Instant Benefits such as entertainment and shopping vouchers.
St.George Platinum Credit Card	15.99% p.a.	3.99% p.a. 6 months	0% 55 days	$89 p.a.	Discounts
Enjoy all the benefits of this card and pay a low annual fee of $89 Free shopping and travel insurances 24/7 access to the Personal Concierge Service 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 15.99%. Cash advances have an annual interest rate of 21.49%. Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 15.99% 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 15.99% on any purchases you make. This credit card has an annual fee of $89 p.a. You revcieve instant discounts and added extras with St.George Instant Benefits such as entertainment and shopping vouchers.
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.
Westpac 55 Day Gold	19.34% p.a.	3.99% p.a. 6 months	0% 55 days	$0 in first year, $90 p.a. standard.	No rewards
Enjoy all the benefits of this card and pay no annual fee for the first year Free overseas travel insurance Free purchase and extended warranty insurance Balance transfer only available to new customers and no balance transfers between Westpac Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.34%. Cash advances have an annual interest rate of 21.24%. Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.34% 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 19.34% on any purchases you make. This credit card has an annual fee of $0 in first year, $90 p.a. standard. You do not receive rewards on this card.
Westpac 55 Day Platinum	19.34% p.a.	3.99% p.a. 6 months	0% 55 days	$0 in first year, $130 p.a. standard.	No rewards
24/7 access to the Personal Concierge Service Enjoy all the benefits of this card and pay no annual fee for the first year Comprehensive range of insurance policies Balance transfer only available to new customers and no balance transfers between Westpac Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.34%. Cash advances have an annual interest rate of 21.24%. Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.34% 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 19.34% on any purchases you make. This credit card has an annual fee of $0 in first year, $130 p.a. standard. You do not receive rewards on this card.
Westpac 55 Day	19.34% p.a.	3.99% p.a. 6 months	0% 55 days	$0 in first year, $30 p.a. standard.	No rewards
Enjoy all the benefits of this card and pay no annual fee for the first year Balance transfer only available to new customers and no balance transfers between Westpac Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.34%. Cash advances have an annual interest rate of 21.24%. Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.34% 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 19.34% on any purchases you make. This credit card has an annual fee of $0 in first year, $30 p.a. standard. You do not receive rewards on this card.
Westpac Altitude	19.64% p.a.	3.99% p.a. 6 months	N/A	$100 p.a.	Travel, Shopping
Enrollment to the Altitude reward program No points capping and no points expiry Balance transfer only available to new customers and no balance transfers between Westpac You will be charged an annual interest rate of 19.64% on all purchases and 21.24% on all cash advances. Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.64% on the transferred balance. There is no introductory purchases offer on this product and any purchases will incur 19.64% interest rate. This credit card has an annual fee of $100 p.a. You can earn up to 2 Altitude points for every dollar you spend and your points do not expire or capped as long as your card stays active. Receive 5,000 bonus Altitude points on your first purchase. You can redeem points for travel services and shopping offers.
Westpac Altitude Gold	19.64% p.a.	3.99% p.a. 6 months	N/A	$150 p.a.	Travel, Shopping
Receive 10, bonus Altitude points when you first use either card for a purchase Comprehensive range of insurance policies Balance transfer only available to new customers and no balance transfers between Westpac You will be charged an annual interest rate of 19.64% on all purchases and 21.24% on all cash advances. Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.64% on the transferred balance. There is no introductory purchases offer on this product and any purchases will incur 19.64% interest rate. This credit card has an annual fee of $150 p.a. You can earn up to 2 Altitude points for every dollar you spend and your points do not expire or capped as long as your card stays active. Receive 10,000 bonus Altitude points on your first purchase. You can redeem points for travel services and shopping offers.
Westpac Altitude Platinum	19.64% p.a.	3.99% p.a. 6 months	N/A	$295 p.a.	Travel, Shopping
24/7 access to the Personal Concierge Service Receive 15, bonus Altitude points when you first use either card for a purchase Comprehensive range of insurance policies Balance transfer only available to new customers and no balance transfers between Westpac You will be charged an annual interest rate of 19.64% on all purchases and 21.24% on all cash advances. Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.64% on the transferred balance. There is no introductory purchases offer on this product and any purchases will incur 19.64% interest rate. This credit card has an annual fee of $295 p.a. You can earn up to 3 Altitude points for every dollar you spend and your points do not expire or capped as long as your card stays active. Receive 15,000 bonus Altitude points on your first purchase. You can redeem points for travel services and shopping offers.
Westpac Low Rate	13.24% p.a.	3.99% p.a. 6 months	0% 55 days	$45 p.a.	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $45 Additional card protection with Westpac SecureCard No reward scheme Balance transfer only available to new customers and no balance transfers between Westpac Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 13.24%. Cash advances have an annual interest rate of 21.24%. Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% 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. 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 $45 p.a. You do not receive rewards on this card.
Westpac No Annual Fee	19.74% p.a.	3.99% p.a. 6 months	N/A	$0 p.a.	No rewards
Enjoy all the benefits of this card and pay $0 annual fee Additional card protection with Westpac SecureCard Balance transfer only available to new customers and no balance transfers between Westpac You will be charged an annual interest rate of 19.74% on all purchases and 21.24% on all cash advances. Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.74% on the transferred balance. There is no introductory purchases offer on this product and any purchases will incur 19.74% interest rate. This credit card has an annual fee of $0 p.a. You do not receive rewards on this card.
Westpac Singapore Airlines Gold Card	19.24% p.a.	0.99% p.a. 6 months	N/A	$75 for the 12 months, $125 p.a. standard.	Travel
Receive 5, KrisFlyer miles after your first purchase Comprehensive range of insurance policies Balance transfer only available to new customers and no balance transfers between Westpac You will be charged an annual interest rate of 19.24% on all purchases and 20.49% on all cash advances. 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 19.24% on the transferred balance. There is no introductory purchases offer on this product and any purchases will incur 19.24% interest rate. This credit card has an annual fee of $75 for the 12 months, $125 p.a. standard. You can earn up to 1 KrisFlyer miles for every dollar you spend and you receive 5,000 bonus KrisFlyer miles on your first purchase. You can redeem points for travel services and shopping offers.
Westpac Singapore Airlines Platinum Card	19.24% p.a.	0.99% p.a. 6 months	N/A	$125 for the 12 months, $250 p.a. standard.	Travel
Receive 10, KrisFlyer miles after your first purchase Comprehensive range of insurance policies Balance transfer only available to new customers and no balance transfers between Westpac You will be charged an annual interest rate of 19.24% on all purchases and 20.49% on all cash advances. 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 19.24% on the transferred balance. There is no introductory purchases offer on this product and any purchases will incur 19.24% interest rate. This credit card has an annual fee of $125 for the 12 months, $250 p.a. standard. You can earn up to 1.5 KrisFlyer miles for every dollar you spend and you receive 10,000 bonus KrisFlyer miles on your first purchase. You can redeem points for travel services and shopping offers.
Westpac Student Visa Card	20.2% p.a.	N/A	0% 55 days	$0 in first year, $30 p.a. standard.	No rewards
Enjoy all the benefits of this card and pay no annual fee for the first year Low requirements for card approval No reward scheme available Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.2%. Cash advances have an annual interest rate of 20.2%. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.2%. 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 20.2% on any purchases you make. This credit card has an annual fee of $0 in first year, $30 p.a. standard. 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.
American Express Platinum Credit Card	20.49% p.a.	N/A	N/A	$395 p.a.	Travel, Shopping
There are no interest free dates on purchases and you will be charged an annual interest rate of 20.49% from the purchase date. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.49%. There is no introductory purchases offer on this product and any purchases will incur 20.49% interest rate. This credit card has an annual fee of $395 p.a. You can earn up to 1.5 Membership Rewards 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, entertainment and shopping offers.
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.
ANZ Rewards Platinum	19.74% p.a.	N/A	0% 55 days	$149 p.a.	Travel, Shopping
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 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 55 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 $149 p.a. You can earn up to 1 reward point for every dollar you spend on every day purchases. You can redeem points for travel services, entertainment and shopping offers.
Virgin No Annual Fee Credit Card	18.99% p.a.	2.9% p.a. 6 months	0% 44 days	$0	No rewards
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 18.99%. Cash advances have an annual interest rate of 20.99%. Enjoy an interest rate (per annum) of 2.9% on balance transfers for up to the first 6 months. Once the 2.9% period ends you will be charged an annual interest rate of 20.99% on the transferred balance. 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 18.99% on any purchases you make. This credit card has no annual fee. There are no rewards for this credit card.
Virgin Flyer Credit Card	20.99% p.a.	1.9% p.a. 9 months	0% 44 days	$99 p.a.	Travel, Shopping
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 20.99%. Cash advances have an annual interest rate of 20.99%. Enjoy an interest rate (per annum) of 1.9% on balance transfers for up to the first 9 months . Once the 1.9% period ends you will be charged an annual interest rate of 20.99% on the transferred balance. 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 20.99% on any purchases you make. This credit card has an annual fee of $99 p.a. Earn 1 Velocity Point per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2. Buy a Virgin Blue seat with your new card and we'll give you a second seat for free, up to 4 times a year including Blue Saver fares.
Bank of Melbourne BusinessVantage	13.24% p.a.	N/A	0% 55 days	$55 p.a.	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $55 Detailed monthly expense reports Up to 55 interest free from the date the purchase is made, 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. 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 do not receive rewards on this card.
Bank of Melbourne Gold Low Rate	15.99% p.a.	N/A	0% 55 days	$79 p.a.	Discounts
Enjoy all the benefits of this card and pay a low annual fee of $79 Complimentary overseas travel insurance when you purchase a trip on your card Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 15.99%. Cash advances have an annual interest rate of 20.24%. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 15.99%. 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 15.99% on any purchases you make. This credit card has an annual fee of $79 p.a.
Bank of Melbourne No Annual Fee	20.49% p.a.	N/A	N/A	$0 p.a.	Discounts
$0 annual fee 3 additional cards at no extra cost 24/7 Falcon Fraud monitoring Minimum low credit limit of $500 Shop online with Verified by Visa You will be charged an annual interest rate of 20.49% on all purchases and 20.49% 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 20.49%. There is no introductory purchases offer on this product and any purchases will incur 20.49% interest rate. This credit card has an annual fee of $0 p.a.
Bank of Melbourne Platinum Credit Card	15.99% p.a.	3.99% p.a. 6 months	0% 55 days	$89 p.a.	Discounts
Enjoy all the benefits of this card and pay a low annual fee of $89 Free shopping and travel insurances 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 15.99%. Cash advances have an annual interest rate of 21.49%. Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 15.99% 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 15.99% on any purchases you make. This credit card has an annual fee of $89 p.a.
Bank of Melbourne 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 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.
Bank of Melbourne 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 24/7 monitoring of suspicious transactions 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.
BankSA Business	17.15% p.a.	N/A	0% 55 days	$55 p.a.	No rewards
Enjoy all the benefits of this card and pay a low annual fee of $55 Detailed monthly expense reports Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 17.15%. Cash advances have an annual interest rate of 17.15%. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 17.15%. 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 17.15% on any purchases you make. This credit card has an annual fee of $55 p.a. You do not receive rewards on this card.
BankSA Gold Low Rate	15.99% p.a.	N/A	0% 55 days	$79 p.a.	Discounts
Enjoy all the benefits of this card and pay a low annual fee of $79 Complimentary overseas travel insurance when you purchase a trip on your card Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 15.99%. Cash advances have an annual interest rate of 20.24%. There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 15.99%. 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 15.99% on any purchases you make. This credit card has an annual fee of $79 p.a. You revcieve instant discounts and added extras with BankSA Instant Benefits such as entertainment and shopping vouchers.
BankSA No Annual Fee	20.49% p.a.	N/A	N/A	$0 p.a.	Discounts
$0 annual fee 3 additional cards at no extra cost 24/7 Falcon Fraud monitoring Minimum low credit limit of $500 Shop online with Verified by Visa You will be charged an annual interest rate of 20.49% on all purchases and 20.49% 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 20.49%. There is no introductory purchases offer on this product and any purchases will incur 20.49% interest rate. This credit card has an annual fee of $0 p.a.
BankSA Platinum Credit Card	15.99% p.a.	3.99% p.a. 6 months	0% 55 days	$89 p.a.	Discounts
Enjoy all the benefits of this card and pay a low annual fee of $89 Free shopping and travel insurances 24/7 access to the Personal Concierge Service 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 15.99%. Cash advances have an annual interest rate of 21.49%. Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 15.99% 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 15.99% on any purchases you make. This credit card has an annual fee of $89 p.a. You revcieve instant discounts and added extras with BankSA Instant Benefits such as entertainment and shopping vouchers.
BankSA 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 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 BankSA Instant Benefits such as entertainment and shopping vouchers.
BankSA 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 BankSA 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 BankSA Instant Benefits such as entertainment and shopping vouchers.
HSBC Classic Credit Card	20.50% p.a.	0% p.a. (for 6 months, 2% handling fee applies)	0% 55 days	$59 p.a.	Travel, Shopping
Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.50%. Cash advances have an annual interest rate of 21.99%. Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first (for 6 months, 2% handling fee applies). Once the 0% period ends you will be charged an annual interest rate of 21.99% 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 20.50% on any purchases you make. This credit card has an annual fee of $59 p.a. You can earn up to 1 reward point for every dollar you spend on every day purchases (up to triple this amount with bonus partners). You can redeem points for travel services, entertainment and shopping offers.
HSBC Platinum Qantas Credit Card	19.99% p.a.	0% p.a. for 6 months, 2% handling fee applies	0% 55 days	$199 p.a.	Travel, Shopping
Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.99%. Cash advances have an annual interest rate of 21.99%. Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first for 6 months, 2% handling fee applies. Once the 0% period ends you will be charged an annual interest rate of 19.99% 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 19.99% 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 your points do not expire as long as your card stays active. You can redeem points for travel services and shopping offers.
Virgin High Flyer Credit Card	20.99% p.a.	1.9% p.a. 6 months	0% 44 days	$249 p.a.	Travel, Shopping
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 20.99%. Cash advances have an annual interest rate of 20.99%. 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 20.99% on the transferred balance. 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 20.99% on any purchases you make. This credit card has an annual fee of $249 p.a. Earn 1.25 Velocity Point for every $1.

Credit Card

Interest Rate

Balance Transfer Rate

Interest Free Days (up to)

Annual Fee

Rewards

American Express Business Accelerator Credit Card

20.74%

p.a.

N/A

55 days

$160

p.a.

Travel, Shopping

Monthly statement includes a GST breakdown
Use your points to pay off the card
Earn 2 points to every $1 spent

You must have an income of over $24,000
Be an Australian citizen or a permanent resident

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%.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.74%.

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 $160 p.a.

You can earn up to 2 Membership Rewards 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, entertainment and shopping offers.

American Express Gold Business Card

N/A

Charge Card

N/A

51 days

$169

p.a.

Optional

Monthly statement includes a GST breakdown
Free Domestic and International Travel Cover

You must have an income of over $24,000

There are no set interest rates on this charge card, instead you pay the full balance every month.

There is no introductory balance transfer offer on this charge card.

You will not be charged interest on any purchases for the first 51. Once the 0% period ends you will need to pay the outstanding balance in full.

This credit card has an annual fee of $169 p.a.

Enrollment into the Ascent reward program is an additonal $80 per annum or the Choices reward program is $40 per annum. You can earn up to 1.5 Membership Rewards 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, entertainment and shopping offers.

American Express Card

N/A

Charge Card

N/A

$80

p.a.

Optional

Enjoy all the benefits of this card and pay a low annual fee of $80
Cover against online fraud

You must have an income of over $35,000

There are no set interest rates on this charge card, instead you pay the full balance every month.

There is no introductory balance transfer offer on this charge card.

There is no introductory purchases offer on this product.

This credit card has an annual fee of $80 p.a.

American Express Business Card

N/A

Charge Card

N/A

51 days

$109

p.a.

Optional

Monthly statement includes a GST breakdown
Cover against online fraud

You must have an income of over $24,000
Supplementary cards cost $79 p.a.

There are no set interest rates on this charge card, instead you pay the full balance every month.

There is no introductory balance transfer offer on this charge card.

You will not be charged interest on any purchases for the first 51. Once the 0% period ends you will need to pay the outstanding balance in full.

This credit card has an annual fee of $109 p.a.

American Express Gold Ascent Credit Card

p.a.

N/A

44 days

p.a.

Travel, Shopping

Enrollment into the American Express Membership Rewards program
Enjoy all the benefits of this card and pay $0 annual fee
Cover against online fraud

You must have an income of over $40,000

Special offer: 0% p.a. for the first 6 months. After this period you will be charged an annual interest rate of 20.74%.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 0%.

You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 0% on any purchases you make.

This credit card has an annual fee of $0 p.a.

You can earn up to 1.5 Membership Rewards 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, entertainment and shopping offers.

American Express Platinum Business Card

N/A

Charge Card

N/A

51 days

$1200

p.a.

Travel, Shopping

Free Business Expenses Insurance and Travel Insurance
Monthly statement includes a GST breakdown
Free Purchase and Refund Protection

You must have an income of over $75,000
Business must be running for 1 year

There are no set interest rates on this charge card, instead you pay the full balance every month.

There is no introductory balance transfer offer on this charge card.

You will not be charged interest on any purchases for the first 51. Once the 0% period ends you will need to pay the outstanding balance in full.

This credit card has an annual fee of $1200 p.a.

American Express Gold Card

N/A

Charge Card

N/A

$169

p.a.

Optional

Enrollment into the American Express Membership Rewards program
Free international travel insurance
Free Purchase and Refund Protection

You must have an income of over $50,000

There are no set interest rates on this charge card, instead you pay the full balance every month.

There is no introductory balance transfer offer on this charge card.

There is no introductory purchases offer on this product.

This credit card has an annual fee of $169 p.a.

American Express Platinum Card

N/A

Charge Card

N/A

$900

p.a.

Travel, Shopping

Platinum card provides extensive travel and lifestyle benefits
No preset spending limits

You must have an income of over $100,000

There are no set interest rates on this charge card, instead you pay the full balance every month.

There is no introductory balance transfer offer on this charge card.

There is no introductory purchases offer on this product.

This credit card has an annual fee of $900 p.a.

ANZ Balance Visa

14.49%

p.a.

N/A

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.

American Express Platinum MoneyBack

20.49%

p.a.

N/A

44 days

$99

p.a.

Cashback

Enrollment into the American Express MoneyBack program
Free Purchase and Refund Protection
Enjoy all the benefits of this card and pay a low annual fee of $$99

You must have an income of over $40,000

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 20.49%. Cash advances have an annual interest rate of 20.49%.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.49%.

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 20.49% on any purchases you make.

This credit card has an annual fee of $99 p.a.

The card has a 5% introductory cashback rate for the first three months, which is capped at $300 for the first $6,000 you spend. After this period the cashback rate is 1% with no limit to your cashback.

American Express Qantas Business Card

N/A

Charge Card

N/A

N/A days

$299

p.a.

Qantas Frequent Flyer

Enrollment into the Qantas Frequent Flyer Program
Monthly statement includes a GST breakdown
Cover against online fraud

You must have an income of over $24,000
Best suited for company's with $2 to $200 million annual revenue

There are no set interest rates on this charge card, instead you pay the full balance every month.

There is no introductory balance transfer offer on this charge card.

You will not be charged interest on any purchases for the first N/A. Once the 0% period ends you will need to pay the outstanding balance in full.

This credit card has an annual fee of $299 p.a.

You can earn up to 1 Qantas Frequent Flyer point for every dollar you spend on everyday purchases or you can earn up to 2 Qantas Frequent Flyer points for every dollar you spend on selected Qantas services. You can redeem points for Qantas travel services and shopping offers.

David Jones American Express Card

20.49%

p.a.

N/A

56 days

$99

p.a.

David Jones

Earn David Jones shopping vouchers
Cover against online fraud
Free Purchase Protection

You must have an income of over $40,000

Up to 56 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.49%.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.49%.

You will not be charged interest on any purchases for the first 56. Once the 0% period ends you will be charged an interest rate (per annum) of 20.49% on any purchases you make.

This credit card has an annual fee of $99 p.a.

You can earn up to 2 David Jones Gift Points for every dollar you spend and your points do not expire or capped as long as your card stays active. You can redeem points for travel services and a range of David Jones shopping offers.

Qantas American Express Classic Card

20.49%

p.a.

N/A

44 days

$149

p.a.

Qantas Frequent Flyer

Enrollment into the Qantas Frequent Flyer Program
Free Purchase and Refund Protection
Manage card online

You must have an income of over $35,000

Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.49%.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.49%.

You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 20.49% on any purchases you make.

This credit card has an annual fee of $149 p.a.

You can earn up to 1 Qantas Frequent Flyer point for every dollar you spend and your points do not expire or capped as long as your card stays active. You can redeem points for Qantas travel services and shopping offers.

Qantas American Express Premium Card

20.74%

p.a.

N/A

$249

p.a.

Qantas Frequent Flyer

Enrollment into the Qantas Frequent Flyer Program
Free Domestic and Overseas Travel Insurance
Free Purchase and Refund Protection

You must have an income of over $40,000

There are no interest free dates on purchases and you will be charged an annual interest rate of 20.74% from the purchase date.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.74%.

There is no introductory purchases offer on this product and any purchases will incur 20.74% interest rate.

This credit card has an annual fee of $249 p.a.

You can earn up to 1.25 Qantas Frequent Flyer points for every dollar you spend on everyday purchases or you can earn up to 2.25 Qantas Frequent Flyer points for every dollar you spend on selected Qantas services. You can redeem points for Qantas travel services and shopping offers.

Qantas American Express Ultimate Card

20.74%

p.a.

N/A

$450

p.a.

Qantas Frequent Flyer

Enrollment into the Qantas Frequent Flyer Program
Free Domestic and Overseas Travel Insurance
Free Purchase and Refund Protection

You must have an income of over $65,000

There are no interest free dates on purchases and you will be charged an annual interest rate of 20.74% from the purchase date.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.74%.

There is no introductory purchases offer on this product and any purchases will incur 20.74% interest rate.

This credit card has an annual fee of $450 p.a.

You can earn up to 1.5 Qantas Frequent Flyer points for every dollar you spend on everyday purchases or you can earn up to 2.5 Qantas Frequent Flyer points for every dollar you spend on selected Qantas services. You can redeem points for Qantas travel services and shopping offers.

ANZ First Visa

0% for first 3 months

then reverts to 19.24%

p.a.
for 3 months

44 days

$30

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $30
24/7 monitoring of suspicious transactions
Add 3 additional cardholders at no extra cost

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 19.24%. 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 19.24%.

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 19.24% on any purchases you make.

This credit card has an annual fee of $30

You do not receive rewards on this card.

ANZ Frequent Flyer Platinum

19.74%

p.a.

N/A

55 days

$295

p.a.

Qantas Frequent Flyer

Earn up to 1 Frequent Flyer point for every dollar you spend
24/7 monitoring of suspicious transactions

If you are a non-permanent Australian resident you must have an income of $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 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 55 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 $295 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.

ANZ Platinum

0% for first 6 months

then reverts to 19.24%

p.a.
for 6 months

55 days

for 1st year (reverts to $87 unless you spent $20,000 last year then it is waivered)

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $0
Free Overseas Travel and Medical Insurance
Free 90-day Purchase Security Insurance

You must have an income of over $50,000

Special offer: 0% p.a. for the first 6 months (ends 13/03/2012). After this period you will be charged an annual interest rate of 19.24%. 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 19.24%.

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 19.24% on any purchases you make.

This credit card has an annual fee of $0 for 1st year (reverts to $87 unless you spent $20,000 last year then it is waivered)

You do not receive rewards on this card.

ANZ Low Rate MasterCard

0% for first 3 months

then reverts to 13.24%

p.a.
for 3 months

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.

ANZ Rewards

19.74%

p.a.

N/A

44 days

$89

p.a.

Travel, Shopping

Enjoy all the benefits of this card and pay a low annual fee of $89
Range of discounts and vouchers
24/7 monitoring of suspicious transactions

If you are a non-permanent Australian resident you must have an income of $50,000

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 $89 p.a.

You can earn up to 1 reward point for every dollar you spend on every day purchases. You can redeem points for travel services, entertainment and shopping offers.

Aussie MasterCard

9.99%

first 12 months (reverts to 13.29%)

2.99%

p.a.
12 months

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 Blue Visa Card

20.74%

p.a.

1.9%

p.a.
6 months

44 days

$60

p.a.

Travel, Shopping

Enrollment into the Q Rewards® program
Enjoy all the benefits of this card and pay a low annual fee of $60
Free Purchase Cover Insurance

Up to 44 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%.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.74%.

You will not be charged interest on any purchases for the first 44. 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 $60 p.a.

You can earn up to 1 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.

Bank of Queensland Gold Visa Card

20.74%

p.a.

1.9%

p.a.
6 months

55 days

$120

p.a.

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 $120 p.a.

You can earn up to 1 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.

Bank of Queensland Low Rate Visa Card

13.49%

p.a.

1.9%

p.a.
6 months

55 days

$55

p.a.

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $55
Internet Banking and EasyPhone Banking access

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 13.49%. Cash advances have an annual interest rate of 21.49%.

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 13.49% 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 13.49% on any purchases you make.

This credit card has an annual fee of $55 p.a.

You do not receive rewards on this card.

Bank of Queensland Platinum Visa Card

20.74%

p.a.

1.9%

p.a.
6 months

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%.

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.

Bankwest Business Large Rewards MasterCard

16.99%

p.a.

6 months

7.99%

p.a.
6 Months

55 days

$69

p.a.

Travel, Shopping

One of Australia's lowest interest rates
Enjoy all the benefits of this card and pay a low annual fee of $69
Receive 6, bonus points after 6 months

No balance transfers between Bankwest

There is an introductory annual interest rate of 16.99% for the first 6 months. After this period you will be charged an annual interest rate of 16.74% on all purchases and 20.99% on cash advances.

Enjoy an interest rate (per annum) of 16.99% on balance transfers for up to the first 6 Months. Once the 16.99% period ends you will be charged an annual interest rate of 16.74% 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 16.74% on any purchases you make.

This credit card has an annual fee of $69 p.a.

You can earn up to 1.5 reward points for every dollar you spend and your points do not expire or capped as long as your card stays active. You can redeem points for travel services, entertainment and shopping offers.

Bankwest Business Low Rate MasterCard

12.99%

p.a.

6 months

7.99%

p.a.
6 months

45 days

$39

p.a.

Optional

Enjoy all the benefits of this card and pay a low annual fee of $39
One of Australia's lowest interest rates
No reward point caps or points expiry

No balance transfers between Bankwest

There is an introductory annual interest rate of 12.99% for the first 6 months. After this period you will be charged an annual interest rate of 12.74% on all purchases and 20.99% on cash advances.

Enjoy an interest rate (per annum) of 12.99% on balance transfers for up to the first 6 months. Once the 12.99% period ends you will be charged an annual interest rate of 12.74% on the transferred balance.

You will not be charged interest on any purchases for the first 45. Once the 0% period ends you will be charged an interest rate (per annum) of 12.74% on any purchases you make.

This credit card has an annual fee of $39 p.a.

Enrollment into the Business rewards program is an additonal $69 per annum. You can earn up to 1 reward points for every dollar you spend and your points do not expire or capped as long as your card stays active. You can redeem points for travel services, entertainment and shopping offers.

Bankwest Corporate MasterCard

16.99%

p.a.

N/A

50 days

$99

p.a.

Travel, Shopping

Enjoy all the benefits of this card and pay a low annual fee of $99
Liability insurance to protect against employee card misuse

Up to 50 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 16.99%.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 16.99%.

You will not be charged interest on any purchases for the first 50. Once the 0% period ends you will be charged an interest rate (per annum) of 16.99% on any purchases you make.

This credit card has an annual fee of $99 p.a.

Bankwest Lite Gold MasterCard

10.75%

p.a.

5.99%

p.a.
12 months

N/A

$89

p.a.

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $89
One of Australia's lowest interest rates
Free airline travel and accident insurance protection

No interest free days
No balance transfers between Bankwest

You will be charged an annual interest rate of 10.75% on all purchases and 21.99% on all cash advances.

Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first 12 months. Once the 5.99% period ends you will be charged an annual interest rate of 10.75% on the transferred balance.

There is no introductory purchases offer on this product and any purchases will incur 10.75% interest rate.

This credit card has an annual fee of $89 p.a.

You do not receive rewards on this card.

Bankwest Lite MasterCard

10.75%

p.a.

5.99%

p.a.
12 months

N/A

$59

p.a.

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $59
One of Australia's lowest interest rates

No interest free days
No balance transfers between Bankwest

You will be charged an annual interest rate of 10.75% on all purchases and 21.99% on all cash advances.

There is no introductory purchases offer on this product and any purchases will incur 10.75% interest rate.

This credit card has an annual fee of $59 p.a.

You do not receive rewards on this card.

Bankwest Lite Platinum MasterCard

10.75%

p.a.

5.99%

p.a.
12 months

N/A

$120

p.a.

No rewards

One of Australia's lowest interest rates
Free airline travel and accident insurance protection
Free purchase protection on any goods you buy

No interest free days
No balance transfers between Bankwest

You will be charged an annual interest rate of 10.75% on all purchases and 21.99% on all cash advances.

There is no introductory purchases offer on this product and any purchases will incur 10.75% interest rate.

This credit card has an annual fee of $120 p.a.

You do not receive rewards on this card.

Bankwest More Gold MasterCard

18.99%

p.a.

1.99%

p.a.
9 months

N/A

$120

p.a.

Shopping, Wine

Receive 10, Bonus Points when you activate your card
Free airline travel and accident insurance protection
Free purchase protection on any goods you buy

You will be charged an annual interest rate of 18.99% on all purchases and 21.74% on all cash advances.

Enjoy an interest rate (per annum) of 1.99% on balance transfers for up to the first 9 months. Once the 1.99% period ends you will be charged an annual interest rate of 18.99% on the transferred balance.

There is no introductory purchases offer on this product and any purchases will incur 18.99% interest rate.

This credit card has an annual fee of $120 p.a.

You can earn up to 1.5 reward points for every dollar you spend and you receive 10,000 bonus points when you activate the card. You can redeem points for shopping and wine offers.

Bankwest More MasterCard

18.99%

p.a.

1.99%

p.a.
9 months

N/A

$89

p.a.

Shopping, Wine

Receive 5, Bonus Points when you activate your card
Enjoy all the benefits of this card and pay a low annual fee of $89

You will be charged an annual interest rate of 18.99% on all purchases and 21.74% on all cash advances.

There is no introductory purchases offer on this product and any purchases will incur 18.99% interest rate.

This credit card has an annual fee of $89 p.a.

You can earn up to 1.5 reward points for every dollar you spend and you receive 5,000 bonus points when you activate the card. You can redeem points for shopping and wine offers.

Bankwest More Platinum MasterCard

18.74%

p.a.

N/A

$190

p.a.

Shopping, Wine

Receive 15, Bonus Points when you activate your card
Earn 2 points per dollar you spend on eligible purchases
Free airline travel and accident insurance protection

You will be charged an annual interest rate of 18.74% on all purchases and 21.74% 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 18.74%.

There is no introductory purchases offer on this product and any purchases will incur 18.74% interest rate.

This credit card has an annual fee of $190 p.a.

You can earn up to 1.5 reward points for every dollar you spend and you receive 15,000 bonus points when you activate the card. You can redeem points for shopping and wine offers.

Bankwest Zero Gold MasterCard

1% p.a %

p.a.

4.99%

p.a.
12 months

N/A

p.a.

No rewards

Enjoy all the benefits of this card and pay $0 annual fee
Low cash advance rate of 18.99% p.a.
Free airline travel and accident insurance protection

No balance transfers between Bankwest

You will be charged an annual interest rate of 1% p.a % on all purchases and 18.99% on all cash advances.

Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 12 months. Once the 4.99% period ends you will be charged an annual interest rate of 1% p.a % on the transferred balance.

There is no introductory purchases offer on this product and any purchases will incur 1% p.a % interest rate.

This credit card has an annual fee of $0 p.a.

You do not receive rewards on this card.

Bankwest Zero MasterCard

1% p.a%

p.a.

4.99%

p.a.
12 months

N/A

p.a.

No rewards

Enjoy all the benefits of this card and pay $0 annual fee
Low cash advance rate of 18.99% p.a.

No balance transfers between Bankwest

You will be charged an annual interest rate of 1% p.a% on all purchases and 18.99% on all cash advances.

There is no introductory purchases offer on this product and any purchases will incur 1% p.a% interest rate.

This credit card has an annual fee of $0 p.a.

You do not receive rewards on this card.

Bankwest Zero Platinum MasterCard

1% p.a%

p.a.

4.99%

p.a.
12 months

N/A

p.a.

No rewards

Enjoy all the benefits of this card and pay $0 annual fee
Low cash advance rate of 18.99% p.a.
24/7 concierge service to help you arrange travel, shopping and medical services

No balance transfers between Bankwest

You will be charged an annual interest rate of 1% p.a% on all purchases and 18.99% on all cash advances.

There is no introductory purchases offer on this product and any purchases will incur 1% p.a% interest rate.

This credit card has an annual fee of $0 p.a.

You do not receive rewards on this card.

Bendigo Basic Black

11.99%

p.a.

N/A

44 days

$45

p.a.

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $45
Low cash advance rate of 11.99% p.a.
Additional cardholders are free

Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 11.99%. Cash advances have an annual interest rate of 11.99%.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 11.99%.

You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 11.99% on any purchases you make.

This credit card has an annual fee of $45 p.a.

You do not receive rewards on this card.

Bendigo Gold

19.74%

p.a.

N/A

55 days

$85

p.a.

Travel, Shopping

Enjoy all the benefits of this card and pay a low annual fee of $85
Enrollment into the Bendigo Rewards program
Purchase travellers' cheques commission free at any Bendigo Bank Branch

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.74%.

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 55. 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 $85 p.a.

You can earn up to 6 reward points for every dollar you spend on selected bonus partners (you earn 1.5 reward points for every dollar you spend on on every day purchases). You can redeem points for travel services, entertainment and shopping offers.

Bendigo Red

19.74%

p.a.

N/A

44 days

$45

p.a.

Travel, Shopping

Enjoy all the benefits of this card and pay a low annual fee of $45
Enrollment into the Bendigo Rewards program
Additional cardholders are free

Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.74%.

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. 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 $45 p.a.

Citibank BP MasterCard

20.89%

p.a.

p.a.
6 months

55 days

$89

p.a.

Cashback

Enjoy all the benefits of this card and pay a low annual fee of $89
0% p.a. balance transfer for 6 months + $50 cash back on first spend

You must have an income of over $20,000

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 20.89%. Cash advances have an annual interest rate of 21.39%.

Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first 6 months. Once the 0% period ends you will be charged an annual interest rate of 21.39% 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 20.89% on any purchases you make.

This credit card has an annual fee of $89 p.a.

Earn $50 cash back on first spend and you can earn 5% cashback on purchases at BP or every day purchases earn you 0.5% cashback on the first $5,000 you spend.

Coles Group Source MasterCard

19.74%

p.a.

p.a.
6 months

62 days

p.a.

FlyBuys, Fuel

Enjoy all the benefits of this card and pay $0 annual fee
Save up to 8 cents per litre on fuel
Range of discounts and vouchers

No balance transfers between Coles Group or GE Money

Up to 62 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 21.99%.

Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first 6 months. Once the 0% period ends you will be charged an annual interest rate of 19.74% on the transferred balance.

You will not be charged interest on any purchases for the first 62. 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 $0 p.a.

You can earn up to 2 FlyBuys points for every 5 dollars you spend at Coles and you can save up to 8 cents per litre on fuel.

Commonwealth Bank Awards

20.49%

p.a.

5.99%

p.a.
5 months

55 days

$89

p.a. (or $59 if conditions are met)

Travel, Shopping

Enjoy all the benefits of this card and pay a low annual fee of $89
Free Emergency Travel Assistance
Range of discounts and vouchers

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.49%. Cash advances have an annual interest rate of 21.49%.

Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first 5 months. Once the 5.99% period ends you will be charged an annual interest rate of 21.49% 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 20.49% on any purchases you make.

This credit card has an annual fee of $89 p.a. (or $59 if conditions are met)

You can earn up to 1.5 reward points for every dollar you spend and you can earn up to 50,000 points per year. You can redeem points for travel services, entertainment and shopping offers.

Commonwealth Bank Gold Awards

20.49%

p.a.

5.99%

p.a.
5 months

55 days

$144

p.a. (or $114 if conditions are met)

Travel, Shopping

Free international travel insurance
Free Emergency Travel Assistance
Enrollment into the Commonwealth Awards program

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 20.49%. Cash advances have an annual interest rate of 21.49%.

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 20.49% on any purchases you make.

This credit card has an annual fee of $144 p.a. (or $114 if conditions are met)

You can earn up to 1 reward point for MasterCard and 2 reward points American Express for every dollar you spend and you can earn up to 100,000 points per year. You can redeem points for travel services, entertainment and shopping offers.

Commonwealth Bank Low Fee

19.99%

p.a.

5.99%

p.a.
5 months

55 days

$24

p.a. (or $0 if conditions are met)

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $24
24/7 monitoring of suspicious transactions

No reward scheme

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.99%. Cash advances have an annual interest rate of 21.49%.

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 19.99% on any purchases you make.

This credit card has an annual fee of $24 p.a. (or $0 if conditions are met)

You do not receive rewards on this card.

Commonwealth Bank Low Fee Gold

19.99%

p.a.

5.99%

p.a.
5 months

55 days

$90

p.a.

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $90
Free international travel insurance
A range of complimentary shopping insurances

No reward scheme

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.99%. Cash advances have an annual interest rate of 21.49%.

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 19.99% on any purchases you make.

This credit card has an annual fee of $90 p.a.

You do not receive rewards on this card.

Commonwealth Bank Low Rate

13.24%

p.a.

5.99%

p.a.
5 months

55 days

$78

p.a.

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $78
Complimentary additional card for a family member or friend

No reward scheme

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 13.24%. Cash advances have an annual interest rate of 21.49%.

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 13.24% on any purchases you make.

This credit card has an annual fee of $78 p.a.

You do not receive rewards on this card.

Commonwealth Bank Low Rate Gold

13.24%

p.a.

5.99%

p.a.
5 months

55 days

$120

p.a.

No rewards

Free international travel insurance
A range of complimentary shopping insurances

No reward scheme available

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 13.24%. Cash advances have an annual interest rate of 21.49%.

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 13.24% on any purchases you make.

This credit card has an annual fee of $120 p.a.

You do not receive rewards on this card.

Commonwealth Bank Platinum Awards

20.49%

p.a.

5.99%

p.a.
5 months

55 days

$280

p.a. (or $250 if conditions are met)

Travel, Shopping

Free international travel insurance
24/7 access to a Personal Concierge service
Enrollment into the Commonwealth Awards program

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 20.49%. Cash advances have an annual interest rate of 21.49%.

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 20.49% on any purchases you make.

This credit card has an annual fee of $280 p.a. (or $250 if conditions are met)

You can earn up to 1 reward point for MasterCard and 3 reward points American Express for every dollar you spend and you can earn up to 250,000 points per year. You can redeem points for travel services, entertainment and shopping offers.

Commonwealth Bank Student Card

19.99%

p.a.

5.99%

p.a.
5 months

55 days

annual fee for the duration of studies.

No rewards

Enjoy all the benefits of this card and pay no annual fee for the first year
Card tailored for full time tertiary students
Minimum card approval requirements

No reward scheme available

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.99%. Cash advances have an annual interest rate of 21.49%.

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 19.99% on any purchases you make.

This credit card has an annual fee of $0 annual fee for the duration of studies.

You do not receive rewards on this card.

Earth Credit Card

19.64%

p.a.

1.99%

p.a.
9 months

45 days

$75

p.a.

Qantas Frequent Flyer

Enjoy all the benefits of this card and pay a low annual fee of $75
An award winning credit card

No balance transfers from Westpac accounts

Up to 45 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.64%. Cash advances have an annual interest rate of 21.14%.

Enjoy an interest rate (per annum) of 1.99% on balance transfers for up to the first 9 months. Once the 1.99% period ends you will be charged an annual interest rate of 19.64% on the transferred balance.

You will not be charged interest on any purchases for the first 45. Once the 0% period ends you will be charged an interest rate (per annum) of 19.64% on any purchases you make.

This credit card has an annual fee of $75 p.a.

You can earn up to 1 Qantas Frequent Flyer point for every dollar you spend and your points do not expire or capped as long as your card stays active. You can redeem points for Jetstar and Qantas travel services.

Earth Gold Credit Card

19.64%

p.a.

0.99%

p.a.
6 months

45 days

$125

p.a.

Qantas Frequent Flyer

Awarded a Cannex 5 star rating
Free Overseas Travel Insurance
Free Purchase Security & Extended Warranty Insurance

No balance transfers from Westpac accounts

Up to 45 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.64%. Cash advances have an annual interest rate of 21.14%.

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 19.64% on the transferred balance.

You will not be charged interest on any purchases for the first 45. Once the 0% period ends you will be charged an interest rate (per annum) of 19.64% on any purchases you make.

This credit card has an annual fee of $125 p.a.

Earth Platinum Credit Card

19.64%

p.a.

0.99%

p.a.
6 months

45 days

$250

p.a.

Qantas Frequent Flyer

24/7 access to the Earth Platinum Concierge service
Free Overseas Travel Insurance
Free Purchase Security & Extended Warranty Insurance

No balance transfers from Westpac accounts

Up to 45 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.64%. Cash advances have an annual interest rate of 21.14%.

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 19.64% on the transferred balance.

You will not be charged interest on any purchases for the first 45. Once the 0% period ends you will be charged an interest rate (per annum) of 19.64% on any purchases you make.

This credit card has an annual fee of $250 p.a.

You can earn up to 1.5 Qantas Frequent Flyer point for every dollar you spend and your points do not expire or capped as long as your card stays active. You can redeem points for Jetstar and Qantas travel services.

GE Money eco MasterCard

19.99%

p.a.

p.a.
6 months

55 days

$49

p.a.

No rewards

Every time you spend on your GE Money eco MasterCard, you'll contribute to projects that offset greenhouse gas emissions
Enjoy all the benefits of this card and pay a low annual fee of $49

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.99%. Cash advances have an annual interest rate of 21.99%.

Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first 6 months. Once the 0% period ends you will be charged an annual interest rate of 19.99% 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 19.99% on any purchases you make.

This credit card has an annual fee of $49 p.a.

You do not receive rewards on this card.

GE Money Low Rate MasterCard

15.49%

p.a.

4.99%

p.a.
6 months

55 days

$58

p.a.

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $58
Manage card online

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 15.49%. Cash advances have an annual interest rate of 20.99%.

Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 6 months. Once the 4.99% period ends you will be charged an annual interest rate of 15.49% 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 15.49% on any purchases you make.

This credit card has an annual fee of $58 p.a.

You do not receive rewards on this card.

GE Money MasterCard

N/A

Charge Card

9.99%

p.a.
6 months

55 days

$39

p.a.

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $39
Manage card online

There are no set interest rates on this charge card, instead you pay the full balance every month.

Enjoy an interest rate (per annum) of 9.99% on balance transfers for up to the first 6 months. Once the 9.99% period ends you will be charged an annual interest rate of 23.5% on the transferred balance.

You will not be charged interest on any purchases for the first 55. Once the 0% period ends you will need to pay the outstanding balance in full.

This credit card has an annual fee of $39 p.a.

You do not receive rewards on this card.

HSBC Credit Card

17.99%

p.a.

p.a.
for 6 months, 2% handling fee applies

55 days

annual fee for the life of the card

No rewards

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 17.99%. Cash advances have an annual interest rate of 21.99%.

Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first for 6 months, 2% handling fee applies. Once the 0% period ends you will be charged an annual interest rate of 21.99% 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 17.99% on any purchases you make.

This credit card has an annual fee of $0 annual fee for the life of the card

You do not receive rewards on this card.

HSBC Platinum Credit Card

19.99%

p.a.

p.a.
for 6 months, 2% handling fee applies

55 days

for the first year, reverts to $129

Travel, Shopping

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.99%. Cash advances have an annual interest rate of 21.99%.

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 19.99% on any purchases you make.

This credit card has an annual fee of $0 for the first year, reverts to $129

You can earn up to 1 reward point 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.

HSBC Premier Credit Card

19.99%

p.a.

5.99%

p.a.

55 days

HSBC Rewards Plus, $99 - HSBC Qantas Rewards

Travel, Shopping

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.99%. Cash advances have an annual interest rate of 21.99%.

Enjoy an interest rate (per annum) of 5.99% on balance transfers for up to the first . Once the 5.99% period ends you will be charged an annual interest rate of 21.99% 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 19.99% on any purchases you make.

This credit card has an annual fee of $0 HSBC Rewards Plus, $99 - HSBC Qantas Rewards

You can earn up to 1 reward point 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.

Jetstar MasterCard

10.99%

p.a.

p.a.
6 months

55 days

$49

p.a.

Jetstar Dollars

Enjoy all the benefits of this card and pay a low annual fee of $49
Range of offers on events

You must have an income of over $30,000

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 10.99%. Cash advances have an annual interest rate of 19.99%.

Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first 6 months. Once the 0% period ends you will be charged an annual interest rate of 10.99% 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 10.99% on any purchases you make.

This credit card has an annual fee of $49 p.a.

You can earn 1 cent in Jetstar Dollars every dollar you spend on every day puchases and you can earn up to $500 Jetstar Dollars per year. You can redeem points for Jetstar travel services.

Jetstar Platinum MasterCard

17.99%

p.a.

p.a.
6 months

55 days

$149

p.a.

Jetstar Dollars

24/7 access to the Personal Concierge Service
Free Overseas Travel Insurance & Purchase Protection Cover
Extended Warranty & free Transport Accident 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 17.99%. Cash advances have an annual interest rate of 19.99%.

Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first 6 months. Once the 0% period ends you will be charged an annual interest rate of 17.99% 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 17.99% on any purchases you make.

This credit card has an annual fee of $149 p.a.

You can earn 1 cent in Jetstar Dollars every dollar you spend on every day puchases and you can earn up to $2,000 Jetstar Dollars per year. You can redeem points for Jetstar travel services.

Macquarie Visa Platinum Card

20.45%

p.a.

p.a.
6 months

55 days

$200

p.a.

Travel, Shopping

Enrollment into the Macquarie Bank Rewards Program
Redeem your points for a range of merchandise or flights
Free Overseas Travel Insurance

You must have an income of over $50,000

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.45%. Cash advances have an annual interest rate of 21.45%.

Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first 6 months. Once the 0% period ends you will be charged an annual interest rate of 20.45% 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 20.45% on any purchases you make.

This credit card has an annual fee of $200 p.a.

You can earn up to 1.25 reward points for every dollar you spend and your points are capped at $200,000. You can redeem points for travel services, entertainment and shopping offers.

Members Equity MasterCard

11.74%

p.a.

N/A

44 days

$39

p.a.

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $39
No charge for up to 8 additional cardholders

Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 11.74%. Each cash advance incurs a $1.25 fee.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 11.74%.

You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 11.74% on any purchases you make.

This credit card has an annual fee of $39 p.a.

You do not receive rewards on this card.

NAB Gold Card

19.74%

p.a.

p.a.
12 months

44 days

$90

p.a.

FlyBuys

Enjoy all the benefits of this card and pay a low annual fee of $90
Free Overseas Travel Insurance
Link to your FlyBuys membership at no extra cost

Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.74%.

Enjoy an interest rate (per annum) of 1% on balance transfers for up to the first 12 months. Once the 1% period ends you will be charged an annual interest rate of 19.74% on the transferred balance.

You will not be charged interest on any purchases for the first 44. 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 $90 p.a.

Link your NAB Gold Card to your FlyBuys membership at no additional cost and earn points towards a great range of awards as you spend.

NAB Low Rate Visa Card

2.99%%

p.a.

4.99%

p.a.
6 months

55 days

$59

p.a.

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $59
Emergency travel assistance 24 hours a day, 7 days a week

No reward scheme available
No balance transfers between NAB

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 2.99%%. Cash advances have an annual interest rate of 21.74%.

Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 6 months. Once the 4.99% period ends you will be charged an annual interest rate of 21.74% 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 2.99%% on any purchases you make.

This credit card has an annual fee of $59 p.a.

You do not receive rewards on this card.

NAB Qantas Card

20.24%

p.a.

4.99%

p.a.
6 months

45 days

$65

p.a.

Qantas Frequent Flyer

Enjoy all the benefits of this card and pay a low annual fee of $65
Enrollment into the Qantas Frequent Flyer program
Free Purchase Protection Insurance

No balance transfers between NAB

Up to 45 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.24%.

You will not be charged interest on any purchases for the first 45. Once the 0% period ends you will be charged an interest rate (per annum) of 20.24% on any purchases you make.

This credit card has an annual fee of $65 p.a.

You can earn up to 1 Qantas Frequent Flyer point for every dollar you spend. You can redeem points for travel services, entertainment and shopping offers.

NAB Qantas Gold Card

20.24%

p.a.

4.99%

p.a.
6 months

44 days

$145.50

p.a.

Qantas Frequent Flyer

Enrollment into the Qantas Frequent Flyer program
NAB Gold Overseas Travel Insurance
Free Extended Warranty & Purchase Protection Insurance

No balance transfers between NAB

Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.24%.

You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 20.24% on any purchases you make.

This credit card has an annual fee of $145.50 p.a.

You can earn up to 1 Qantas Frequent Flyer point for every dollar you spend. You can redeem points for travel services, entertainment and shopping offers.

NAB Qantas Platinum Card

20.24%

p.a.

4.99%

p.a.
6 months

44 days

$290

p.a.

Qantas Frequent Flyer, Shopping

Enrollment into the Qantas Frequent Flyer program
Large range of free insurances
No reward points cap and no expiry

No balance transfers between NAB

Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.24%.

You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 20.24% on any purchases you make.

This credit card has an annual fee of $290 p.a.

You can earn up to 1.5 Qantas Frequent Flyer point 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, entertainment and shopping offers.

NAB Standard Card

19.49%

p.a.

4.99%

p.a.
6 months

44 days

$30

p.a.

FlyBuys

Enjoy all the benefits of this card and pay a low annual fee of $30
Free Purchase Protection Insurance

No balance transfers between NAB

Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.49%.

Enjoy an interest rate (per annum) of 4.99% on balance transfers for up to the first 6 months. Once the 4.99% period ends you will be charged an annual interest rate of 19.49% on the transferred balance.

You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 19.49% on any purchases you make.

This credit card has an annual fee of $30 p.a.

Link your NAB Standard Card to your FlyBuys membership at no additional cost and earn points towards a great range of awards as you spend.

Velocity NAB Gold Card

20.24%

p.a.

4.99%

p.a.
6 months

44 days

$150

p.a.

Travel, Shopping

Free enrollment into the NAB Velocity Program
No cap or expiry on your Velocity Points
Free NAB Gold Overseas Travel Insurance

No balance transfers between NAB

Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.24%.

You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 20.24% on any purchases you make.

This credit card has an annual fee of $150 p.a.

You can earn up to 2 Velocity Points for every 2 dollars you spend and your points do not expire as long as your card stays active. You can redeem points for Virgin Blue travel services

Velocity NAB Standard Card

20.24%

p.a.

4.99%

p.a.
6 months

44 days

$65

p.a.

Travel, Shopping

Enjoy all the benefits of this card and pay a low annual fee of $65
Free enrollment into the NAB Velocity Program
No cap or expiry on your Velocity Points

No balance transfers between NAB

Up to 44 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.24%.

You will not be charged interest on any purchases for the first 44. Once the 0% period ends you will be charged an interest rate (per annum) of 20.24% on any purchases you make.

This credit card has an annual fee of $65 p.a.

You can earn up to 1.5 Velocity Points for every 2 dollars you spend and your points do not expire as long as your card stays active. You can redeem points for Virgin Blue travel services

St.George Gold Low Rate

15.99%

p.a.

N/A

55 days

$79

p.a.

Discounts

Enjoy all the benefits of this card and pay a low annual fee of $79
Complimentary overseas travel insurance when you purchase a trip on your card

Special offer: 0% p.a. for the first 9 months. After this period you will be charged an annual interest rate of 15.99%. Cash advances have an annual interest rate of 20.24%.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 15.99%.

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 15.99% on any purchases you make.

This credit card has an annual fee of $79 p.a.

You revcieve instant discounts and added extras with St.George Instant Benefits such as entertainment and shopping vouchers.

St.George Platinum Credit Card

15.99%

p.a.

3.99%

p.a.
6 months

55 days

$89

p.a.

Discounts

Enjoy all the benefits of this card and pay a low annual fee of $89
Free shopping and travel insurances
24/7 access to the Personal Concierge Service

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 15.99%. Cash advances have an annual interest rate of 21.49%.

Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 15.99% 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 15.99% on any purchases you make.

This credit card has an annual fee of $89 p.a.

You revcieve instant discounts and added extras with St.George Instant Benefits such as entertainment and shopping vouchers.

St.George Vertigo MasterCard

13.24%

p.a.

0.99%

6 months

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

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.

Westpac 55 Day Gold

19.34%

p.a.

3.99%

p.a.
6 months

55 days

in first year, $90 p.a. standard.

No rewards

Enjoy all the benefits of this card and pay no annual fee for the first year
Free overseas travel insurance
Free purchase and extended warranty insurance

Balance transfer only available to new customers and no balance transfers between Westpac

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.34%. Cash advances have an annual interest rate of 21.24%.

Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.34% 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 19.34% on any purchases you make.

This credit card has an annual fee of $0 in first year, $90 p.a. standard.

You do not receive rewards on this card.

Westpac 55 Day Platinum

19.34%

p.a.

3.99%

p.a.
6 months

55 days

in first year, $130 p.a. standard.

No rewards

24/7 access to the Personal Concierge Service
Enjoy all the benefits of this card and pay no annual fee for the first year
Comprehensive range of insurance policies

Balance transfer only available to new customers and no balance transfers between Westpac

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.34%. Cash advances have an annual interest rate of 21.24%.

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 19.34% on any purchases you make.

This credit card has an annual fee of $0 in first year, $130 p.a. standard.

You do not receive rewards on this card.

Westpac 55 Day

19.34%

p.a.

3.99%

p.a.
6 months

55 days

in first year, $30 p.a. standard.

No rewards

Enjoy all the benefits of this card and pay no annual fee for the first year

Balance transfer only available to new customers and no balance transfers between Westpac

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.34%. Cash advances have an annual interest rate of 21.24%.

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 19.34% on any purchases you make.

This credit card has an annual fee of $0 in first year, $30 p.a. standard.

You do not receive rewards on this card.

Westpac Altitude

19.64%

p.a.

3.99%

p.a.
6 months

N/A

$100

p.a.

Travel, Shopping

Enrollment to the Altitude reward program
No points capping and no points expiry

Balance transfer only available to new customers and no balance transfers between Westpac

You will be charged an annual interest rate of 19.64% on all purchases and 21.24% on all cash advances.

Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.64% on the transferred balance.

There is no introductory purchases offer on this product and any purchases will incur 19.64% interest rate.

This credit card has an annual fee of $100 p.a.

You can earn up to 2 Altitude points for every dollar you spend and your points do not expire or capped as long as your card stays active. Receive 5,000 bonus Altitude points on your first purchase. You can redeem points for travel services and shopping offers.

Westpac Altitude Gold

19.64%

p.a.

3.99%

p.a.
6 months

N/A

$150

p.a.

Travel, Shopping

Receive 10, bonus Altitude points when you first use either card for a purchase
Comprehensive range of insurance policies

Balance transfer only available to new customers and no balance transfers between Westpac

You will be charged an annual interest rate of 19.64% on all purchases and 21.24% on all cash advances.

There is no introductory purchases offer on this product and any purchases will incur 19.64% interest rate.

This credit card has an annual fee of $150 p.a.

You can earn up to 2 Altitude points for every dollar you spend and your points do not expire or capped as long as your card stays active. Receive 10,000 bonus Altitude points on your first purchase. You can redeem points for travel services and shopping offers.

Westpac Altitude Platinum

19.64%

p.a.

3.99%

p.a.
6 months

N/A

$295

p.a.

Travel, Shopping

24/7 access to the Personal Concierge Service
Receive 15, bonus Altitude points when you first use either card for a purchase
Comprehensive range of insurance policies

Balance transfer only available to new customers and no balance transfers between Westpac

You will be charged an annual interest rate of 19.64% on all purchases and 21.24% on all cash advances.

There is no introductory purchases offer on this product and any purchases will incur 19.64% interest rate.

This credit card has an annual fee of $295 p.a.

You can earn up to 3 Altitude points for every dollar you spend and your points do not expire or capped as long as your card stays active. Receive 15,000 bonus Altitude points on your first purchase. You can redeem points for travel services and shopping offers.

Westpac Low Rate

13.24%

p.a.

3.99%

p.a.
6 months

55 days

$45

p.a.

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $45
Additional card protection with Westpac SecureCard

No reward scheme

Balance transfer only available to new customers and no balance transfers between Westpac

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 13.24%. Cash advances have an annual interest rate of 21.24%.

Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% 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. 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 $45 p.a.

You do not receive rewards on this card.

Westpac No Annual Fee

19.74%

p.a.

3.99%

p.a.
6 months

N/A

p.a.

No rewards

Enjoy all the benefits of this card and pay $0 annual fee
Additional card protection with Westpac SecureCard

Balance transfer only available to new customers and no balance transfers between Westpac

You will be charged an annual interest rate of 19.74% on all purchases and 21.24% on all cash advances.

Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.74% on the transferred balance.

There is no introductory purchases offer on this product and any purchases will incur 19.74% interest rate.

This credit card has an annual fee of $0 p.a.

You do not receive rewards on this card.

Westpac Singapore Airlines Gold Card

19.24%

p.a.

0.99%

p.a.
6 months

N/A

$75

for the 12 months, $125 p.a. standard.

Travel

Receive 5, KrisFlyer miles after your first purchase
Comprehensive range of insurance policies

Balance transfer only available to new customers and no balance transfers between Westpac

You will be charged an annual interest rate of 19.24% on all purchases and 20.49% on all cash advances.

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 19.24% on the transferred balance.

There is no introductory purchases offer on this product and any purchases will incur 19.24% interest rate.

This credit card has an annual fee of $75 for the 12 months, $125 p.a. standard.

You can earn up to 1 KrisFlyer miles for every dollar you spend and you receive 5,000 bonus KrisFlyer miles on your first purchase. You can redeem points for travel services and shopping offers.

Westpac Singapore Airlines Platinum Card

19.24%

p.a.

0.99%

p.a.
6 months

N/A

$125

for the 12 months, $250 p.a. standard.

Travel

Receive 10, KrisFlyer miles after your first purchase
Comprehensive range of insurance policies

Balance transfer only available to new customers and no balance transfers between Westpac

You will be charged an annual interest rate of 19.24% on all purchases and 20.49% on all cash advances.

There is no introductory purchases offer on this product and any purchases will incur 19.24% interest rate.

This credit card has an annual fee of $125 for the 12 months, $250 p.a. standard.

You can earn up to 1.5 KrisFlyer miles for every dollar you spend and you receive 10,000 bonus KrisFlyer miles on your first purchase. You can redeem points for travel services and shopping offers.

Westpac Student Visa Card

20.2%

p.a.

N/A

55 days

in first year, $30 p.a. standard.

No rewards

Enjoy all the benefits of this card and pay no annual fee for the first year
Low requirements for card approval

No reward scheme available

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.2%. Cash advances have an annual interest rate of 20.2%.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.2%.

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 20.2% on any purchases you make.

This credit card has an annual fee of $0 in first year, $30 p.a. standard.

You do not receive rewards on this card.

St.George Amplify Credit Card

18.74%

p.a.

0.99%

p.a.
6 months

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.

American Express Platinum Credit Card

20.49%

p.a.

N/A

$395

p.a.

Travel, Shopping

There are no interest free dates on purchases and you will be charged an annual interest rate of 20.49% from the purchase date.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.49%.

There is no introductory purchases offer on this product and any purchases will incur 20.49% interest rate.

This credit card has an annual fee of $395 p.a.

ANZ Frequent Flyer

19.74%

p.a.

N/A

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.

ANZ Rewards Platinum

19.74%

p.a.

N/A

55 days

$149

p.a.

Travel, Shopping

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 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 55 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 $149 p.a.

You can earn up to 1 reward point for every dollar you spend on every day purchases. You can redeem points for travel services, entertainment and shopping offers.

Virgin No Annual Fee Credit Card

18.99%

p.a.

2.9%

p.a.
6 months

44 days

No rewards

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 18.99%. Cash advances have an annual interest rate of 20.99%.

Enjoy an interest rate (per annum) of 2.9% on balance transfers for up to the first 6 months. Once the 2.9% period ends you will be charged an annual interest rate of 20.99% on the transferred balance.

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 18.99% on any purchases you make.

This credit card has no annual fee.

There are no rewards for this credit card.

Virgin Flyer Credit Card

20.99%

p.a.

1.9%

p.a.
9 months

44 days

$99

p.a.

Travel, Shopping

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 20.99%. Cash advances have an annual interest rate of 20.99%.

Enjoy an interest rate (per annum) of 1.9% on balance transfers for up to the first 9 months . Once the 1.9% period ends you will be charged an annual interest rate of 20.99% on the transferred balance.

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 20.99% on any purchases you make.

This credit card has an annual fee of $99 p.a.

Earn 1 Velocity Point per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2. Buy a Virgin Blue seat with your new card and we'll give you a second seat for free, up to 4 times a year including Blue Saver fares.

Bank of Melbourne BusinessVantage

13.24%

p.a.

N/A

55 days

$55

p.a.

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $55
Detailed monthly expense reports

Up to 55 interest free from the date the purchase is made, 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. 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 do not receive rewards on this card.

Bank of Melbourne Gold Low Rate

15.99%

p.a.

N/A

55 days

$79

p.a.

Discounts

Enjoy all the benefits of this card and pay a low annual fee of $79
Complimentary overseas travel insurance when you purchase a trip on your card

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 15.99%. Cash advances have an annual interest rate of 20.24%.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 15.99%.

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 15.99% on any purchases you make.

This credit card has an annual fee of $79 p.a.

Bank of Melbourne No Annual Fee

20.49%

p.a.

N/A

p.a.

Discounts

$0 annual fee
3 additional cards at no extra cost
24/7 Falcon Fraud monitoring
Minimum low credit limit of $500
Shop online with Verified by Visa

You will be charged an annual interest rate of 20.49% on all purchases and 20.49% 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 20.49%.

There is no introductory purchases offer on this product and any purchases will incur 20.49% interest rate.

This credit card has an annual fee of $0 p.a.

Bank of Melbourne Platinum Credit Card

15.99%

p.a.

3.99%

p.a.
6 months

55 days

$89

p.a.

Discounts

Enjoy all the benefits of this card and pay a low annual fee of $89
Free shopping and travel insurances

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 15.99%. Cash advances have an annual interest rate of 21.49%.

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 15.99% on any purchases you make.

This credit card has an annual fee of $89 p.a.

Bank of Melbourne Vertigo MasterCard

13.24%

p.a.

0.99%

6 months

55 days

$55

p.a.

Discounts

Enjoy all the benefits of this card and pay a low annual fee of $55
24/7 monitoring of suspicious transactions

No balance transfers between St.George or BankSA

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.

Bank of Melbourne Amplify Credit Card

18.74%

p.a.

0.99%

p.a.
6 months

55 days

$79

p.a.

Amplify Rewards

Enjoy all the benefits of this card and pay a low annual fee of $79
24/7 monitoring of suspicious transactions

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%.

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.

BankSA Business

17.15%

p.a.

N/A

55 days

$55

p.a.

No rewards

Enjoy all the benefits of this card and pay a low annual fee of $55
Detailed monthly expense reports

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 17.15%. Cash advances have an annual interest rate of 17.15%.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 17.15%.

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 17.15% on any purchases you make.

This credit card has an annual fee of $55 p.a.

You do not receive rewards on this card.

BankSA Gold Low Rate

15.99%

p.a.

N/A

55 days

$79

p.a.

Discounts

Enjoy all the benefits of this card and pay a low annual fee of $79
Complimentary overseas travel insurance when you purchase a trip on your card

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 15.99%. Cash advances have an annual interest rate of 20.24%.

There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 15.99%.

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 15.99% on any purchases you make.

This credit card has an annual fee of $79 p.a.

You revcieve instant discounts and added extras with BankSA Instant Benefits such as entertainment and shopping vouchers.

BankSA No Annual Fee

20.49%

p.a.

N/A

p.a.

Discounts

$0 annual fee
3 additional cards at no extra cost
24/7 Falcon Fraud monitoring
Minimum low credit limit of $500
Shop online with Verified by Visa

You will be charged an annual interest rate of 20.49% on all purchases and 20.49% 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 20.49%.

There is no introductory purchases offer on this product and any purchases will incur 20.49% interest rate.

This credit card has an annual fee of $0 p.a.

BankSA Platinum Credit Card

15.99%

p.a.

3.99%

p.a.
6 months

55 days

$89

p.a.

Discounts

Enjoy all the benefits of this card and pay a low annual fee of $89
Free shopping and travel insurances
24/7 access to the Personal Concierge Service

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 15.99%. Cash advances have an annual interest rate of 21.49%.

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 15.99% on any purchases you make.

This credit card has an annual fee of $89 p.a.

You revcieve instant discounts and added extras with BankSA Instant Benefits such as entertainment and shopping vouchers.

BankSA Vertigo MasterCard

13.24%

p.a.

0.99%

6 months

55 days

$55

p.a.

Discounts

Enjoy all the benefits of this card and pay a low annual fee of $55
24/7 monitoring of suspicious transactions

No balance transfers between St.George or BankSA

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 BankSA Instant Benefits such as entertainment and shopping vouchers.

BankSA Amplify Credit Card

18.74%

p.a.

0.99%

p.a.
6 months

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 BankSA 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%.

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 BankSA Instant Benefits such as entertainment and shopping vouchers.

HSBC Classic Credit Card

20.50%

p.a.

p.a.
(for 6 months, 2% handling fee applies)

55 days

$59

p.a.

Travel, Shopping

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.50%. Cash advances have an annual interest rate of 21.99%.

Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first (for 6 months, 2% handling fee applies). Once the 0% period ends you will be charged an annual interest rate of 21.99% 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 20.50% on any purchases you make.

This credit card has an annual fee of $59 p.a.

You can earn up to 1 reward point for every dollar you spend on every day purchases (up to triple this amount with bonus partners). You can redeem points for travel services, entertainment and shopping offers.

HSBC Platinum Qantas Credit Card

19.99%

p.a.

p.a.
for 6 months, 2% handling fee applies

55 days

$199

p.a.

Travel, Shopping

Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.99%. Cash advances have an annual interest rate of 21.99%.

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 19.99% 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 your points do not expire as long as your card stays active. You can redeem points for travel services and shopping offers.

Virgin High Flyer Credit Card

20.99%

p.a.

1.9%

p.a.
6 months

44 days

$249

p.a.

Travel, Shopping

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 20.99%. Cash advances have an annual interest rate of 20.99%.

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 20.99% on the transferred balance.

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 20.99% on any purchases you make.

This credit card has an annual fee of $249 p.a.

Earn 1.25 Velocity Point for every $1.

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