Skip to navigation Skip to content

1:00AM Thursday Feb 18, 2010
0 online now

Fairfax Digital

Mozo finance comparison

You are here:
credit cards

Compare and save on credit cards

Save on your credit card with our nifty comparison tools. Pick a winner from our most popular credit cards in the table below, or search the whole market to compare all credit cards with ease.

Popular credit cards

see rewards cards

top picks
low rate
introductory purchase rate
0% balance transfer
long balance transfer
low annual fee

	Interest rate	Annual fee	Balance transfer rate	Key features
Woolworths Everyday Money Credit Card	18.74%	$49.00	5.99% for 6 months	$0 annual fee in the first year. Plus bonus $50 shopping card if you apply by 31 March 2010.	Go to site
ANZ Frequent Flyer	18.74%	$40.00	2.90% for 12 months	2.9% p.a. on Balance Transfers for the first 12 months if apply by 27 February 2010	Go to site
ANZ Low Rate (with special BT offer)	12.49%	$58.00	2.90% for 12 months	2.9% p.a. on Balance Transfers for the first 12 months if apply by 27 February 2010	Go to site
Aussie Aussie MasterCard	12.29%	$49.00	2.99% for 6 months	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site
BankWest Lite	9.99%	$59.00	1.99% for 12 months	Australia's lowest MasterCard purchase rate of 9.99% p.a.	Go to site

	Interest rate	Balance transfer rate	Annual fee	Key features
BankWest Lite	9.99%	1.99% for 12 months	$59.00	Australia's lowest MasterCard purchase rate of 9.99% p.a.	Go to site
Citibank Clear Platinum	11.49%	0.99% for 6 months	$85.00	0.99% balance transfer offer, save $43 off annual fee in first year, plus your own Personal Concierge	Go to site
NAB Low Rate	12.24%	4.99% for 6 months and then 20.74%	$49.00	0% p.a. on purchases for up to 6 months	Go to site
Aussie Aussie MasterCard	12.29%	2.99% for 6 months	$49.00	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site
ANZ Low Rate (with special BT offer)	12.49%	2.90% for 12 months	$58.00	2.9% p.a. on Balance Transfers for the first 12 months if apply by 27 February 2010	Go to site

	Initial interest rate	Interest rate	Key features
NAB Low Rate	0.00% for 6 months	12.24%	0% p.a. on purchases for up to 6 months	Go to site
St George Vertigo	2.99% for 6 months	11.74%	2.99% p.a. on purchases for 6 months. 2.99% p.a. on balance transfers for 6 months.	Go to site
Aussie Aussie MasterCard	2.99% for 6 months	12.29%	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site

	Balance transfer rate	Interest rate	Annual fee	Key features
ANZ Low Rate	0.00% for 6 months	12.49%	$58.00	Design your card with an image of your choice	Go to site
Citibank Clear Platinum	0.99% for 6 months	11.49%	$85.00	0.99% balance transfer offer, save $43 off annual fee in first year, plus your own Personal Concierge	Go to site
Citibank Gold Card	1.90% for 9 months and then 20.99%	20.49%	$119.00	Apply now and get 1.9% p.a. on Balance Transfers for 9 months	Go to site
Aussie Aussie MasterCard	2.99% for 6 months	12.29%	$49.00	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site
ANZ Frequent Flyer	2.90% for 12 months	18.74%	$40.00	2.9% p.a. on Balance Transfers for the first 12 months if apply by 27 February 2010	Go to site

	Balance transfer rate	Interest rate	Annual fee	Key features
ANZ First (with special BT offer)	2.90% for 12 months	18.24%	$30.00	2.9% p.a. on Balance Transfers for the first 12 months if apply by 27 February 2010	Go to site
Citibank Platinum Card	4.90% until repaid	20.49%	$250.00	Special Internet Offer - Receive 20,000 points and fly any airline, anytime	Go to site
Aussie Aussie MasterCard	2.99% for 6 months	12.29%	$49.00	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site
Citibank Gold Card	1.90% for 9 months and then 20.99%	20.49%	$119.00	Apply now and get 1.9% p.a. on Balance Transfers for 9 months	Go to site
NAB Low Rate	4.99% for 6 months and then 20.74%	12.24%	$49.00	Plus 0% p.a. on purchases for up to 6 months	Go to site

	Annual fee	Interest rate	Interest free days	Key features
HSBC HSBC	$0.00	16.99%	55	$0 annual fee for the life of the card. $50 back on your card when you make your first spend.	Go to site
NAB Mini	$24.00	19.24%	55	Mini card and companion card. Up to $120 cash back to your account every year	Go to site
ANZ First	$30.00	18.24%	44	$0 Annual Account Fee for the first 12 months	Go to site
Woolworths Everyday Money Credit Card	$49.00	18.74%	55	$0 annual fee in the first year. Plus bonus $50 shopping card if you apply by 31 March 2010.	Go to site
Citibank Clear Platinum	$85.00	11.49%	55	Save $43 off annual fee in first year, plus your own Personal Concierge	Go to site

see low rate cards

top picks
airline points
instant discounts
cashback
gold
platinum

	Rewards type	Interest free days	Annual fee	Key features
ANZ Frequent Flyer	Qantas points	44	$40.00	2.9% p.a. on Balance Transfers for the first 12 months if apply by 27 February 2010	Go to site
Citibank Platinum Card	Velocity Rewards, Other airline points, Travel, Merchandise, Cashback, Charity donations	55	$250.00	Special Internet Offer - Receive 20,000 points and fly any airline, anytime	Go to site
Woolworths Everyday Money Credit Card	Merchandise	55	$49.00	Bonus $50 shopping card if you apply by 31 March 2010. Plus no matter where you shop, you'll earn up to 3 reward points for every dollar you spend.	Go to site
NAB Velocity Card	Velocity Points	44	$65.00	Earn Velocity Points on your everyday spend. Velocity is the loyalty program partnered by Virgin Blue Airlines.	Go to site
Citibank Emirates Citi Platinum	Emirates points and Virgin Blue Travel, affiliated hotels, car rentals and luxury merchandise from Emirates High Street	55	$199.00	1.5 Skywards Miles per $1 spent.	Go to site

	Points per dollar	Points to frequent flyer ratio	Points lifetime	Key features
ANZ Frequent Flyer	1 per $ for first $2,500, then 2 per $ to max of $5,000	1:1 Qantas Frequent Flyer point	36 months	2.9% p.a. on Balance Transfers for the first 12 months if apply by 27 February 2010	Go to site
Citibank Platinum Card	1 per $ to a max 120,000		never expire	Special Internet Offer - Receive 20,000 points and fly any airline, anytime	Go to site
Commonwealth Bank Awards Card	1.5 points per dollar using American Express, 1 point per dolla	2:1 Qantas Frequent Flyer point; 2:1 Velocity Points; 160:1 Airpoint DollarTM.	never expire	Qantas Frequent Flyer, Velocity Rewards (for Virgin Blue), Air New Zealand Airpoints transfers	Go to site
NAB Velocity Card	0.75 American Express, 0.5 Visa	Airline points earned automatically	never expire	Earn Velocity Points on your everyday spend. Velocity is the loyalty program partnered by Virgin Blue Airlines.	Go to site
Citibank Emirates Citi Platinum	1.5	1.5 Citi Mile = 1.5 Skywards Mile	never expire	1.5 Skywards Miles per $1 spent.	Go to site

	Rewards type	Annual fee	Interest rate	Key features
St George Vertigo	Instant discounts	$55.00	11.74%	Instant discounts and added extras with St.George Instant Benefits	Go to site
Citibank Clear Card	Instant discounts - discounts and offers from 26,000 merchants around the world.	$65.00	15.49%	Instant discounts - discounts and offers from 26,000 merchants around the world.	Go to site
Citibank BP	Petrol discounts, Cashback - 5% off up to $600 spent at BP each month, 0.5% cash back on other purchases up to $60,000 spend pa	$79.00	20.39%	5% off petrol at BP, plus 0.5% off all other purchases. Cash back rebates are automatically credited to your account.	Go to site
HSBC HSBC		$0.00	16.99%	Home & Away Privilege Program - instant discounts on shopping, travel, accomodation and more	Go to site

	Rewards type	Annual fee	Interest rate	Key features
HSBC HSBC		$0.00	16.99%	$0 annual fee for the life of the card. $50 cashback when you spend $500 or more for each of the first 3 months.	Go to site
Citibank BP	Petrol discounts, Cashback - 5% off up to $600 spent at BP each month, 0.5% cash back on other purchases up to $60,000 spend pa	$79.00	20.39%	5% back on the first $600 you spend per month at BP	Go to site
Commonwealth Bank Awards Card	Air New Zealand Airpoints™, Velocity Rewards or Qantas Frequent Flyer, Travel, Merchandise, Cashback	$89.00	19.74%	You can exchange your Commonwealth Awards points for funds to repay your credit card	Go to site
ANZ Balance	Merchandise, Cashbacks	$57.00	13.49%	Choose how you would like to be rewarded - Cashback, Shopping Vouchers or Gift Cards	Go to site

	Interest rate	Annual fee	Rewards type	Key features
ANZ Frequent Flyer Gold	18.74%	$140.00	Qantas points	2.9% p.a. on Balance Transfers for the first 12 months if apply by 27 February 2010	Go to site
Citibank Gold Card	20.49%	$119.00	Velocity Rewards, Other airline points, Travel, Merchandise, Cashback, Charity donations	Apply now and get 1.9% p.a. on Balance Transfers for 9 months	Go to site
BankWest Zero Gold	15.99%	$0.00	Instant discounts	Zero annual fee Gold credit card	Go to site
BankWest Lite Gold	9.99%	$89.00	Instant discounts	9.99% p.a. on purchases. Australia's lowest MasterCard purchase rate	Go to site
HSBC Gold	18.99%	$89.00	Travel, Merchandise, Cashback, Charity donations	$0 annual fee in the first year. Complimentary travel insurance.	Go to site

	Interest rate	Annual fee	Rewards type	Key features
ANZ Frequent Flyer Platinum	18.74%	$240.00	Qantas points	2.9% p.a. on Balance Transfers for the first 12 months if apply by 27 February 2010	Go to site
Commonwealth Bank Platinum Awards Card	19.74%	$280.00	Air New Zealand Airpoints™, Velocity Rewards or Qantas Frequent Flyer, Travel, Merchandise, Cashback	Complimentary international travel insurance for return trips of up to 12 months	Go to site
Citibank Platinum Card	20.49%	$250.00	Velocity Rewards, Other airline points, Travel, Merchandise, Cashback, Charity donations	Special Internet Offer - Receive 20,000 points and fly any airline, anytime	Go to site
St George Platinum	14.99%	$89.00	Instant discounts	St George Platinum is a low interest credit card delivering Platinum benefits	Go to site
BankWest Zero Platinum	15.99%	$0.00	Instant discounts	Zero annual fee Platinum credit card	Go to site

Compare all credit cards

Search the credit card market at a glance
Shortlist your finalists to compare head-to-head
Apply for the product that best fits your needs

Compare all credit cards

: Lowest rate credit cards; - based on ongoing interest rate

ready to go
whole market
big banks

Go to site
1.
9.99%
BankWest
– Lite
Go to site
2.
11.74%
St George
– Vertigo
Go to site
3.
12.24%
NAB
– Low Rate
Go to site
4.
12.29%
Aussie
– Aussie MasterCard
Go to site
5.
12.49%
ANZ
– Low Rate

1.
9.74%
mecu
– Low Rate
1.
9.74%
Greater Building Society
– Greater Visa
Go to site
3.
9.99%
BankWest
– Lite
4.
10.50%
Community First
– McGrath Pink Visa
5.
11.24%
Bendigo Bank
– Bendigo Basic Black

Go to site
1.
11.74%
St George
– Vertigo
Go to site
2.
12.24%
NAB
– Low Rate
Go to site
3.
12.49%
ANZ
– Low Rate
3.
12.49%
Commonwealth Bank
– Low Rate Card
3.
12.49%
Westpac
– Low Rate

Health Check your card

Is your card keeping up with the competition? Give it a health check! Grab a free personalised report on the best credit cards for your situation.

Special offers

: Personal finance news; – latest money matters

Profile: Melinda Howes
A taxing choice but super wins
Sci-fi's Holy Grail
Ask Noel

: Credit Cards guides; – helpful tips and info

Credit cards smart guide
Credit cards - the basics
Top 10 credit card questions

Handy links

Compare other products

Need money?

Got money!