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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.

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.

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.

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.