Compare credit cards

Coles Rewards Mastercard

• Annual Fee $0
• Rewards Up to 2.0% 2 Flybuys pts per $1 at Coles, 1 pt per $2 elsewhere
• Sign-Up Bonus A$20k 20,000 bonus Flybuys pts with $500 spend in 60 days
• Network Mastercard

The Coles Rewards Mastercard is a straightforward option for Coles shoppers looking to maximise Flybuys points without an annual fee.

NAB StraightUp Card

• Annual Fee $0 Fixed monthly fee ($10-$20)
• Card Type low_interest
• Network Visa

This card offers a unique no-interest option for those looking to manage their spending without the burden of interest.

CommBank Low Rate Credit Card

• Annual Fee A$6 $6 monthly card fee
• Card Type low_interest
• Network Mastercard

This card is a cost-effective option for those seeking lower interest rates on their purchases.

HSBC Star Alliance Credit Card

• Annual Fee A$499 A$0 in the first year, then A$499 p.a. Minimum income A$75,000/yr. Minimum credit limit A$6,000.
• Rewards Up to 1.0% Earn 1 Star Alliance Point per A$1 on eligible purchases up to A$3,000 per statement period, then 0.5 points per A$1 afterwards. Fast-track Star Alliance Gold Status in year one when spending A$4,000+ in first 90 days. Access to 1,000+ airport lounges.
• Card Type travel
• Network Visa

ANZ Rewards Black Credit Card

• Annual Fee A$375 A$375 (A$320 annual fee + A$55 rewards program service fee). Additional cardholders A$65 each (up to 9). Minimum credit limit A$15,000.
• Rewards Up to 2.0% 2 ANZ Reward Points per A$1 on first A$5,000/statement period (eligible purchases), then 1 point per A$1 above A$5,000. Redeem for A$720 cashback, A$800+ gift cards, or transfer to 90K Velocity Points / 60K Asia Miles / 60K KrisFlyer miles per 180K points.
• Sign-Up Bonus A$100 130,000 extra ANZ Reward Points + A$100 back when spending A$5,000 in first 3 months. Plus 50,000 extra points when keeping card 15+ months.
• Card Type cashback
• Network Visa

The ANZ Rewards Black card is ideal for frequent travellers wanting to maximise their rewards, but its high annual fee may deter casual users.

ANZ Low Rate Credit Card

• Annual Fee A$58 A$58/year
• Network Visa

The ANZ Low Rate Credit Card is a solid choice for those prioritising low interest without annual fees.

American Express Explorer Credit Card

• Annual Fee A$395
• Rewards Up to 2.0% Earn 2 Membership Rewards points per A$1 spent on eligible purchases, and 1 point per A$1 at government bodies in Australia.
• Sign-Up Bonus A$75k 75,000 bonus Membership Rewards points after eligible spend in the first 3 months.
• Card Type travel
• Network Amex

Citi Rewards Card

• Annual Fee A$149 First year free
• Rewards Up to 2.0% 2 points per $1 at eligible supermarkets, 1 point per $1 elsewhere
• Network Mastercard

The Citi Rewards Card is ideal for those who frequently shop at supermarkets and want to earn points without an upfront annual fee.

Westpac Low Rate Card

• Annual Fee A$59 A$59 p.a. ongoing. Fee changes effective 29 June 2026. First year fee waived for existing Westpac customers. Minimum credit limit A$500.
• Sign-Up Bonus A$350 Up to A$350 cashback — A$50 for each month spending A$1,000+ on eligible purchases in first 7 months. First year card fee waived for existing Westpac customers.
• Card Type balance_transfer
• Network Mastercard

The Westpac Low Rate card is a decent option for those looking to manage revolving balances with a low interest rate. However, it may not suit everyone due to its modest features and upcoming fee changes.

NAB Low Rate Card

• Annual Fee A$59 From 27 April 2026, the annual card fee increases from A$59 to A$99 p.a.; some intro offers waive the first-year fee.
• Sign-Up Bonus A$400 $400 cashback or a 4.99% annual interest rate on balance transfers for 24 months
• Card Type balance_transfer
• Network Visa