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Credit Card Comparison Rates

Page last updated 10/02/2011 12:00:00 AM
The following table outlines the latest credit card rates for all the major credit providers within Australia. Credit Card Researcher obtains the credit card rates directly from the provider's website and financial reports however, please note that these may have been updated since this report was created.

American Express

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
20.49% 0%0 days$0 p.a.20.49%
20.49% 0%0 days$160 p.a.20.49%
0% 0%51 days$109 p.a.0%
0% 0%0 days$80 p.a.0%
20.49% 0%44 days$0 p.a.20.49%
0% 0%51 days$0 in first year, $169 p.a. standard. 0%
0% 0%0 days$130 p.a.0%
0% 0%0 days$1200 p.a.0%
0% 0%0 days$1,200 p.a.0%
20.49% 0%0 days$395 p.a.20.49%
20.49% 0%44 days$99 p.a.20.49%
0% 0%55 days$160 p.a.0%
20.49% 0%56 days$99 p.a.20.49%
20.49% 0%44 days$149 p.a.20.49%
20.49% 0%0 days$249 p.a.20.49%
20.49% 0%0 days$450 p.a.20.49%

ANZ

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
14.49% 2.9%55 days$79 ($57 p.a. + $22 Rewards Program Fee)21.74%
19.1% 0%40 days$150 p.a. 19.25%
18.59% 0%44 days$150 p.a.18.99%
13.66% 0%0 days0 14.91%
15.59% 0%0 days$150 p.a.15.59%
0% 0%44 days$130 p.a.0%
19.24% 7.99%44 days$0 for 1st year, then $30 p.a.20.99%
19.74% 0%44 days$95 p.a.20.99%
19.74% 0%44 days$95 p.a.20.99%
0% Interest rate for 1st 6 months, reverts to 13.49%2.9%55 days$58 p.a.21.74%
0% 0%44 days$130 0%
19.49% 0%44 days$89 p.a.20.74%
19.49% 0%44 days$129 p.a.20.74%

Aussie

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
9.99% first 12 months (reverts to 12.99%)2.99%55 days$49 p.a.19.49%

Bank of Queensland

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
19.24% 0%0 days$0 p.a.19.74%
20.24% 0%55 days$55 p.a.20.74%
0% 0%51 days$169 p.a.0%
20.74% 1.9%55 days$120 p.a.21.74%
13.49% 0%55 days$55 p.a.20.74%

Bankwest

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
16.99% 7.99%55 days$69 p.a.20.99%
12.99% 7.99%45 days$39 p.a.20.99%
16.99% 0%50 days$99 p.a.16.99%
10.75% 1.99%0 days$89 p.a.20.99%
10.75% 1.99%0 days$59 p.a.20.99%
10.75% 1.99%0 days$120 p.a.20.99%
18.99% 1.99%0 days$120 p.a.21.74%
18.99% 1.99%0 days$89 p.a.21.74%
18.74% 1.99%0 days$190 p.a.21.74%
16.99% 3.99%0 days$0 p.a.16.99%
16.99% 3.99%0 days$0 p.a.16.99%
16.99% 3.99%0 days$0 p.a.16.99%

Bendigo

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
11.99% 0%44 days$45 p.a.11.99%
19.74% 0%55 days$85 p.a.19.74%
19.74% 0%44 days$45 p.a.19.74%

Citibank

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
20.89% 2.9%55 days$79 p.a.21.39%
20.74% 4.9%55 days$700 p.a.21.24%
20.99% 0%55 days$89 p.a.21.24%
15.99% for the first 12 months, 15.49% thereafter1.9%55 days$65 p.a.21.74%
11.99% 1.9%55 days$49 for 1st yr, then $99 p.a.21.74%
20.99% 2.9%55 days$149 p.a.21.74%
20.99% 3.99%55 days$250 p.a.21.74%
20.99% 2.9%55 days$89 p.a.21.74%
20.74% 2.9%55 days$149 p.a .21.49%
20.99% 2.9%55 days$229 p.a.21.24%

Coles

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
19.74% 0%62 days$0 p.a.21.99%

Commonwealth Bank

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
20.49% 5.99%55 days$89 p.a. (or $59 if conditions are met)21.49%
20.49% 5.99%55 days$144 p.a. (or $114 if conditions are met)21.49%
19.99% 5.99%55 days$24 p.a. (or $0 if conditions are met)21.49%
19.99% 5.99%55 days$90 p.a.21.49%
13.24% 5.99%55 days$78 p.a.21.49%
13.24% 5.99%55 days$120 p.a.21.49%
20.49% 5.99%55 days$280 p.a. (or $250 if conditions are met)21.49%
19.99% 5.99%55 days$0 annual fee for the duration of studies.21.49%

CUA

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
13.1% 0%55 days$85 p.a.17.1%
13.1% 0%55 days$45 p.a.17.1%
19.24% 4.9%55 days$45 p.a.19.99%

Earth

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
19.64% 1.99%45 days$75 p.a.21.14%
19.64% 0.99%45 days$125 p.a.21.14%
19.64% 0.99%45 days$250 p.a.21.14%

GE Money

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
19.99% 0%55 days$49 p.a.21.99%
15.49% 4.99%55 days$58 p.a.20.99%
23.5% 9.99%55 days$39 p.a.0%

HSBC

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
19.99% 8.99%55 days$0 in first year, $70 p.a. standard.19.99%
20.25% 5.99%55 days$59 p.a.21.99%
16.99% 0%55 days$0 annual fee for the life of the card20.75%
19.75% 5.99%55 days$89 p.a.21.99%
19.5% 5.99%55 days$129 p.a.20.75%
19.5% 0%55 days$0 waived for the life of the card20.75%

IMB

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
13.1% 2.9%0 days$99 p.a.17.1%
13.1% 2.9%0 days$55 p.a.17.1%
19.24% 4.9%0 days$55 p.a.19.99%

Jetstar

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
10.99% 0%55 days$49 p.a.19.99%
17.99% 0%55 days$149 p.a.19.99%

Macquarie Bank

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
20.45% 0%55 days$200 p.a.21.45%

Members Equity Bank

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
11.74% 0%44 days$39 p.a.0%

NAB

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
19.49% 4.99%44 days$90 p.a.19.49%
13.24% 4.99%55 days$49 p.a.21.49%
19.99% 4.99%44 days$65 p.a.19.99%
19.99% 4.99%44 days$145.50 p.a.19.99%
19.99% 6.99%44 days$290 p.a.19.99%
19.49% 4.99%44 days$30 p.a.19.49%
19.49% 4.99%44 days$150 p.a.19.49%
19.49% 4.99%44 days$30 p.a.19.49%

St. George

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
18.74% 0.99%55 days$79 p.a.20.74%
17.15% 0%55 days$55 p.a.17.15%
15.74% 0%55 days$79 p.a.19.74%
20.24% 0%0 days$0 p.a.20.24%
15.99% 3.99%55 days$89 p.a.21.49%
12.74% 2.99%55 days$55 p.a.21.49%

Suncorp

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
20.25% 1.9%55 days$99 p.a.20.75%
20.49% 1.9%55 days$205 p.a.20.74%
20.49% 1.9%55 days$63 p.a.20.74%
12.74% 0 days$0 for first year, $39 thereafter21.99%

Virgin

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
20.99% 2.9%44 days$99 20.99%
16.95% 2.9%44 days0 20.99%

Westpac

Credit Card
Interest Rate
Balance Transfer Rate
Interest Free Days (up to)
Annual Fee
Cash Advance Rate
19.34% 3.99%55 days$0 in first year, $30 p.a. standard.21.24%
19.34% 3.99%55 days$0 in first year, $90 p.a. standard.21.24%
19.34% 3.99%55 days$0 in first year, $130 p.a. standard. 21.24%
19.64% 3.99%0 days$100 p.a.21.24%
19.64% 3.99%0 days$150 p.a.21.24%
19.64% 3.99%0 days$295 p.a.21.24%
13.24% 3.99%55 days$45 p.a.21.24%
19.74% 3.99%0 days$0 p.a.21.24%
19.24% 0.99%0 days$75 for the 12 months, $125 p.a. standard.20.49%
19.24% 0.99%0 days$125 for the 12 months, $250 p.a. standard.20.49%
20.2% 0%55 days$0 in first year, $30 p.a. standard. 20.2%

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