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Credit
Cards |
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 This page is divided into two sections:
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Click here
for
Hot Tips. |
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Within each of these two
sections we give you credit card
information on:
- The top five credit
card interest rates currently
available in Australia whether they be offered by a Bank,
Building Society, Credit Union
or other provider.
- Australia's national banks
.
- The main regional banks.
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Click here
for
brochure request
and application
details. |
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| "I pay off
my credit card every
month" |
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| If you completely pay off your
card every single month
then you are better off having a card which has a low annual
fee, plus interest free days. |
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| Interest
free days - the top five |
| Credit
Card |
Annual Fee |
% |
Maximum Interest
Free Days |
| American
Express Blue Credit Card |
$25* |
15.29 |
55 |
| AMP Credit
Card |
$25** |
14.85 |
55 |
| Suncorp Metway
American Express Card |
$25** |
15.29 |
55 |
| St. George
Visa Classic |
$30 |
16.00 |
55 |
| Colonial State
Bank Mastercard |
$30 |
16.20 |
55 |
* No annual fee for the
first year and free if you
spend >$1,500 per annum
** No annual fee for the first year and free if you spend
>$5,000 per annum
*** No annual fee if spend >$3,000 per annum |
Click here for
brochure request and application details |
| Interest
free days - the national
banks |
| Credit
Card |
Annual Fee |
% |
Maximum Interest
Free Days |
| ANZ
Bcard/MCard/Visa |
$21 |
16.75 |
44 |
| Citibank
MCard/Visa |
$30 |
16.95 |
55 |
| Commonwealth
Bank
Bcard/MCard/Visa |
$24 |
16.65 |
55 |
| National
Australia Bank
MCard/Visa |
$24 |
16.75 |
55 |
| National
Australia Bank
Bcard |
$24 |
16.75 |
55 |
| Westpac
(Challenge in WA)
Bcard/MCard/Visa |
$18/$24/$24 |
16.65 |
55 |
Click here for
brochure request and application details |
| Interest
free days - the main
regionals plus others |
| Credit
Card |
Annual Fee |
% |
Maximum Interest
Free Days |
| Adelaide
Bank Visa |
$24 |
16.25 |
55 |
| American
Express |
$25* |
15.29 |
55 |
| AMP Credit
Card |
$25** |
14.85 |
55 |
| Bank
of Queensland
Bcard/MCard/Visa |
$20 |
15.25 |
55 |
| Bank
of South Australia
Bcard/MCard/Visa |
$22 |
15.30 |
55 |
| BankWest
Bcard/Visa |
$24 |
15.40 |
40 |
| Colonial
State Bank
Bcard/Visa |
$21 |
17.20 |
55 |
| Colonial
State Bank MCard |
$30 |
15.20 |
55 |
| St
George Bank Visa |
$30 |
16.00 |
55 |
| Suncorp
Metway American
Express Card |
$25** |
13.85 |
55 |
| Trust
Bank Bcard |
$15 |
16.95 |
56 |
| Trust Bank
MasterCard |
$18 |
15.25 |
51 |
| Trust
Bank Visa |
$25 |
14.95 |
44 |
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* No annual fee
for the first year and
free if you spend >$1,500 per annum |
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Click here
for
brochure request
and application
details. |
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| "I usually
carry an outstanding
balance" |
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| No
interest free days - The top
five |
| Credit
Card |
% |
| Education
Credit Union* |
10.95 |
| Power
Credit Union* |
11.45 |
| Endeavour
Credit Union* |
11.75 |
| Select
Credit Union*
(with home loan) |
12.25 |
| ANZ
MasterCard (plus $25
annual fee) |
12.45 |
* Debit cards - you need to
have an account with the
Credit Union. The interest rate is on the overdraft facility.
Note: there are some residential restrictions for Credit Union
card applications. |
Click here for
brochure request and application details |
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| No
interest free days - The national
banks |
| Credit
Card |
% |
| ANZ MCard (plus
$22 annual fee) |
12.45 |
| Commonwealth
Bank
MCard/Visa/Bcard |
13.95 |
| National
Australia Bank
Bcard |
14.35 |
| Westpac
(Challenge in WA)
MCard |
13.95 |
Click here for
brochure request and application details |
| No
interest free days - The main
regionals plus others |
| Credit
Card |
% |
| Adelaide
Bank Visa |
14.75 |
| Bank
of Queensland
Bcard/MCard/Visa |
14.25 |
| Bank
of South Australia
Bcard/MCard/Visa |
14.50 |
| BankWest
Bcard/MCard/Visa |
15.40 |
| Colonial State
Bank MCard/Visa |
15.00 |
| St. George
Bank Visa |
14.00 |
| Suncorp Metway
Visa Card |
12.50 |
| * 13.5% for home loan
customers |
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