American Express
American Express · non-bank lender
Low Rate Credit Card from American Express®Interest free · Additional cards · Insurance
$0annual fee
55interest-free days
10.99%purchase rate p.a.
Compare Credit cards
Credit cards
Annual fees and interest rates, with nowhere to hide. Free, no sign-up.
Why do you want a new card?
You clear the balance every month, so interest never applies - the annual fee is the whole cost. The everyday card: lowest fee first.
Not sure which? The 60-second guide ›
How to choose a credit card — the 60-second version
| Your situation | Use this view | Ranked by |
|---|---|---|
| Pay in full monthly | I pay my balance in full | annual fee |
| Carry a balance | I carry a balance | cost per year |
| Moving card debt | I'm moving debt | 0% window |
| Chasing points | I want rewards | annual fee |
| Not sure / browsing | Show everything | purchase rate |
Start with one fact about yourself: what happens to the balance each month. Every number on a credit card matters differently depending on the answer.
You pay in full every monthIf the balance is paid in full every month — the purchase rate never applies to you. The numbers that do: the annual fee (the card's actual yearly cost), interest-free days (how long purchases sit unbilled — 44 vs 55 days is the published range; the count only applies when the previous statement was paid in full), and whether it earns points. This is the "I pay my balance in full" view, ranked by fee.
You carry a balanceIf a balance is carried — the purchase rate is most of the card's cost, and points arithmetic works against you: interest on a carried balance typically exceeds the value of points earned on the spending. The number built for this case is cost per year — fee plus interest on an example carried balance — shown in the "I carry a balance" view, ranked by that figure.
You're moving existing card debtIf the plan is moving existing card debt — three numbers together, never one: the 0% window (how long transferred debt sits interest-free), the transfer fee (usually a percentage of the amount moved, charged up front), and the revert rate (what the remaining balance is charged after the window ends). A long window with a high transfer fee and revert rate can cost more than a shorter, cheaper one — the "I'm moving debt" view shows all three side by side.
| Number | What it is | When it costs you |
|---|---|---|
| 0% window | how long transferred debt sits interest-free | after the window ends |
| transfer fee | usually a percentage of the amount moved | charged up front |
| revert rate | what the remaining balance is charged | after the window ends |
If points are the goal — the annual fee is the price of the points, which is why that view ranks by fee. Earn rates are tiered and capped differently per card; the published structure is on each card's Details page. Program names (Qantas, Flybuys, bank programs) are shown per card — points in different programs aren't directly comparable numbers.
Just want a simple everyday card?You clear the balance every month, so interest never applies - the annual fee is the whole cost. The everyday card: lowest fee first.
In every viewTwo facts that apply to every view: cards with restricted eligibility (business customers, minimum income, membership) are excluded from the default list and counted at the end of it — "include specialty credit cards" restores them, labelled. And cards don't publish comparison rates, so the purchase rate is not a total-cost figure — fees sit beside it as their own column.
Factual information only — not a recommendation. Confirm any figure with the provider before applying.
annual fee▲interest-free days
purchase rate p.a.
What's this?
A card's interest-free days are the most a purchase can sit unbilled: a statement period plus the days to that statement's due date, counted from the first day of the period, so a purchase made later in the period has fewer. The count applies only while the previous statement's closing balance was paid in full by its due date; once a balance is carried, purchases attract interest from the day they are made until the balance is cleared again. Providers publish the maximum, and that is the figure shown.
American Express
Qudos Bank
Qudos Bank
Lifestyle PlusInterest free · Additional cards · Digital wallet
$0annual fee
46interest-free days
15.85%purchase rate p.a.
Bankwest
Bankwest
Bankwest Zero Classic MastercardInterest free · Balance transfers · Additional cards
$0annual fee
55interest-free days
18.99%purchase rate p.a.
Bankwest
Bankwest
Bankwest Zero Platinum MastercardInterest free · Balance transfers · Additional cards
$0annual fee
55interest-free days
18.99%purchase rate p.a.
Bank Australia
Bank Australia
Visa Credit CardInterest free · Additional cards · Digital wallet
$0annual fee
55interest-free days
19.74%purchase rate p.a.
Bendigo Bank
Bendigo Bank
Bendigo Ready Credit CardInterest free · Balance transfers · Additional cards
$0annual fee
55interest-free days
19.99%purchase rate p.a.
Coles Credit Cards
Coles Credit Cards
Coles No Annual Fee Platinum MastercardEarns points · Interest free · Balance transfers
$0annual fee
44interest-free days
20.74%purchase rate p.a.
MyCard
MyCard
MyCard SimplicityInterest free · Balance transfers · Additional cards
$0annual fee
44interest-free days
22.49%purchase rate p.a.
American Express
American Express · non-bank lender
The Qantas American Express Discovery CardEarns points · Interest free · Additional cards
$0annual fee
44interest-free days
23.99%purchase rate p.a.
Credit Union SA
Credit Union SA
Education Community Credit CardAdditional cards · Unlimited txns · Npp payid
$0annual fee
not statedinterest-free days
11.49%purchase rate p.a.
Credit Union SA
Credit Union SA
Workplace Benefits Credit CardAdditional cards · Unlimited txns · Npp payid
$0annual fee
not statedinterest-free days
11.49%purchase rate p.a.
Qudos Bank
Qudos Bank
LifestyleAdditional cards · Digital wallet · Digital banking
$0annual fee
not statedinterest-free days
12.34%purchase rate p.a.
Bank Australia
Bank Australia
Low Rate Visa Credit CardBalance transfers · Digital wallet · Digital banking
$0annual fee
not statedinterest-free days
12.99%purchase rate p.a.
Bank of China
Interest free · Balance transfers · Additional cards
$20annual fee
50interest-free days
19.99%purchase rate p.a.
Bank of China
Interest free · Balance transfers · Additional cards
$20annual fee
50interest-free days
19.99%purchase rate p.a.
Coastline Bank
Coastline Bank
Visa Credit CardInterest free · Balance transfers · Additional cards
$25annual fee
55interest-free days
9.99%purchase rate p.a.
Border Bank
Border Bank
Credit CardInterest free · Npp payid · Npp enabled
$30annual fee
55interest-free days
10.76%purchase rate p.a.
Police Bank
Police Bank
Credit CardInterest free · Npp payid · Npp enabled
$30annual fee
55interest-free days
10.76%purchase rate p.a.
HUME BANK LIMITED
HUME BANK LIMITED
Visa ClearInterest free · Balance transfers · Additional cards
$30annual fee
55interest-free days
14.95%purchase rate p.a.
ANZ
ANZ
ANZ FirstInterest free · Balance transfers · Additional cards
$30annual fee
55interest-free days
22.49%purchase rate p.a.
CommBank
CommBank
Low Fee credit cardExtra repayments · Interest free · Additional cards
$36annual fee
55interest-free days
20.99%purchase rate p.a.
Bank of us
Bank of us
Visa Credit CardExtra repayments · Interest free · Balance transfers
$39annual fee
58interest-free days
9.99%purchase rate p.a.
Queensland Country Bank
Queensland Country Bank
Visa CreditInterest free · Balance transfers · Additional cards
$39annual fee
55interest-free days
14.74%purchase rate p.a.
Bank of China
Earns points · Interest free · Balance transfers
$40annual fee
50interest-free days
19.99%purchase rate p.a.
NORTHERN INLAND CREDIT UNION LTD.
NORTHERN INLAND CREDIT UNION LTD.
Classic Credit CardNpp payid · Npp enabled · Digital wallet
$40annual fee
not statedinterest-free days
14.00%purchase rate p.a.
bcu
Interest free · Balance transfers · Additional cards
$45annual fee
52interest-free days
11.95%purchase rate p.a.
FIRST OPTION BANK
FIRST OPTION BANK
VISA CREDIT CARDInterest free · Npp enabled · Digital wallet
$48annual fee
45interest-free days
10.49%purchase rate p.a.
P&N Bank
P&N Bank
P&N Bank Visa ClassicInterest free · Balance transfers · Additional cards
$49annual fee
45interest-free days
11.99%purchase rate p.a.
The Mutual Bank
The Mutual Bank
Mutual Visa Credit CardExtra repayments · Interest free · Balance transfers
$49annual fee
55interest-free days
12.49%purchase rate p.a.
Bankwest
Bankwest
Bankwest Breeze Classic MastercardInterest free · Balance transfers · Additional cards
$49annual fee
55interest-free days
12.99%purchase rate p.a.
NATIONAL AUSTRALIA BANK
NATIONAL AUSTRALIA BANK
NAB Low Fee CardInterest free · Balance transfers · Additional cards
$49annual fee
44interest-free days
20.99%purchase rate p.a.
UNITY BANK
UNITY BANK
Low Rate Visa Credit CardInterest free · Additional cards · Unlimited txns
$50annual fee
50interest-free days
7.49%purchase rate p.a.
A-Auswide Bank
A-Auswide Bank
LOW RATE VISA CREDIT CARDInterest free · Balance transfers · Additional cards
$50annual fee
55interest-free days
9.74%purchase rate p.a.
Community First Credit Union
Community First Credit Union
LOW RATE CREDIT CARDInterest free · Balance transfers · Additional cards
$50annual fee
55interest-free days
9.99%purchase rate p.a.
Community First Credit Union
Community First Credit Union
NSA CREDIT CARDInterest free · Balance transfers · Additional cards
$50annual fee
55interest-free days
9.99%purchase rate p.a.
Coles Credit Cards
Coles Credit Cards
Coles Low Rate Platinum MastercardEarns points · Interest free · Balance transfers
$58annual fee
55interest-free days
13.49%purchase rate p.a.
ANZ
ANZ
ANZ Low RateInterest free · Balance transfers · Additional cards
$58annual fee
55interest-free days
13.74%purchase rate p.a.
Bendigo Bank
Bendigo Bank
Bendigo Bright Credit CardInterest free · Balance transfers · Additional cards
$59annual fee
55interest-free days
11.99%purchase rate p.a.
Beyond Bank Australia
Beyond Bank Australia
Low Rate Credit CardInterest free · Balance transfers · Additional cards
$59annual fee
62interest-free days
11.99%purchase rate p.a.
Bankwest
Bankwest
Bankwest Breeze Platinum MastercardInterest free · Balance transfers · Additional cards
$59annual fee
55interest-free days
12.99%purchase rate p.a.
Credit Union SA
Credit Union SA
Visa Credit CardAdditional cards · Unlimited txns · Npp payid
$59annual fee
not statedinterest-free days
11.99%purchase rate p.a.
Great Southern Bank
Great Southern Bank
Low Rate Credit Card (New)Interest free · Additional cards · Digital wallet
$60annual fee
55interest-free days
11.99%purchase rate p.a.
Bank of China
Bank of China
Bank of China Global UnionPay CardEarns points · Interest free · Balance transfers
$60annual fee
50interest-free days
19.99%purchase rate p.a.
CommBank
CommBank
Low Rate credit cardExtra repayments · Interest free · Additional cards
$72annual fee
55interest-free days
13.99%purchase rate p.a.
Bank of Melbourne
Bank of Melbourne
VertigoEarns points · Extra repayments · Interest free
$84annual fee
55interest-free days
13.99%purchase rate p.a.
BankSA
BankSA
VertigoEarns points · Extra repayments · Interest free
$84annual fee
55interest-free days
13.99%purchase rate p.a.
St.George Bank
St.George Bank
Rainbow Vertigo CardEarns points · Extra repayments · Interest free
$84annual fee
55interest-free days
13.99%purchase rate p.a.
St.George Bank
St.George Bank
VertigoEarns points · Extra repayments · Interest free
$84annual fee
55interest-free days
13.99%purchase rate p.a.
ANZ
ANZ
ANZ PlatinumInterest free · Balance transfers · Additional cards
$87annual fee
55interest-free days
22.49%purchase rate p.a.
bcu
Interest free · Balance transfers · Additional cards
$89annual fee
52interest-free days
13.05%purchase rate p.a.
114 specialty credit cards are hidden
Include specialty credit cardsShowing the first 50 of 109 - use the filters to narrow down.
LookFirst does not compare every provider or product in the market. Important information
Non-bank lenders began publishing product data under the Consumer Data Right on 13 July 2026. Some of their products are voluntary to publish (consumer leases, reverse mortgages, margin loans, novated, fleet and other non-standard vehicle finance, and any product with under 1,000 customers), some lenders hold exemptions from the ACCC, and lenders below the size threshold are not obliged to publish at all, so some lenders and products are not here.
Ranked for paying in full: you pay no interest when you clear your balance each month, so cards are ordered by annual fee alone, with the purchase rate as tiebreaker. Cards that don't publish a fee are listed last, marked not stated - confirm with the provider. Carry a balance some months? Switch above to include interest.
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