CommBank
CommBank
Interest-free Low Fee credit card
No-interest card - fee applies
Digital wallet · Digital banking · Notifications
$120/yrcard fee
0%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?
Every card, no assumption about how you pay: lowest purchase rate 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.
CommBank
CommBank
CommBank
CommBank Neo Card
No-interest card - fee applies
Additional cards · Digital wallet · Digital banking
$180-$300/yr card fee
0%purchase rate p.a.
Greater Bank
Greater Bank
Business Visa Credit Card
For business customers
Interest free · Balance transfers · Additional cards
$20annual fee
6.96%purchase rate p.a.
UNITY BANK
UNITY BANK
Low Rate Visa Credit CardInterest free · Additional cards · Unlimited txns
$50annual fee
7.49%purchase rate p.a.
POLICE CREDIT UNION LIMITED
POLICE CREDIT UNION LIMITED
SoLo Credit Card
Minimum income applies
Unlimited txns · Npp payid · Npp enabled
not statedannual fee
8.74%purchase rate p.a.
A-Auswide Bank
A-Auswide Bank
LOW RATE VISA CREDIT CARDInterest free · Balance transfers · Additional cards
$50annual fee
9.74%purchase rate p.a.
Westpac
Westpac
Westpac Lite Card
Minimum income applies
Earns points · Extra repayments · Interest free
$108annual fee
9.90%purchase rate p.a.
Greater Bank
Greater Bank
Visa Credit Card
Employment conditions apply
Interest free · Balance transfers · Additional cards
$49annual fee
9.95%purchase rate p.a.
Coastline Bank
Coastline Bank
Visa Credit CardInterest free · Balance transfers · Additional cards
$25annual fee
9.99%purchase rate p.a.
Bank of us
Bank of us
Visa Credit CardExtra repayments · Interest free · Balance transfers
$39annual fee
9.99%purchase rate p.a.
Community First Credit Union
Community First Credit Union
LOW RATE CREDIT CARDInterest free · Balance transfers · Additional cards
$50annual fee
9.99%purchase rate p.a.
Community First Credit Union
Community First Credit Union
NSA CREDIT CARDInterest free · Balance transfers · Additional cards
$50annual fee
9.99%purchase rate p.a.
Bank of Melbourne
Bank of Melbourne
Business Vantage
For business customers
Extra repayments · Interest free · Additional cards
$55annual fee
9.99%purchase rate p.a.
BankSA
BankSA
VISA Business
For business customers
Extra repayments · Interest free · Additional cards
$55annual fee
9.99%purchase rate p.a.
St.George Bank
St.George Bank
Business Vantage
For business customers
Extra repayments · Interest free · Additional cards
$55annual fee
9.99%purchase rate p.a.
Coastline Bank
Coastline Bank
Visa Credit CardInterest free · Balance transfers · Interest free transfers
not statedannual fee
9.99%purchase rate p.a.
FIRST OPTION BANK
FIRST OPTION BANK
VISA CREDIT CARDInterest free · Npp enabled · Digital wallet
$48annual fee
10.49%purchase rate p.a.
Heritage
Heritage
Secured Business Visa Credit Card
For business customers
Earns points · Interest free · Digital wallet
$45annual fee
10.65%purchase rate p.a.
Border Bank
Border Bank
Credit CardInterest free · Npp payid · Npp enabled
$30annual fee
10.76%purchase rate p.a.
Police Bank
Police Bank
Credit CardInterest free · Npp payid · Npp enabled
$30annual fee
10.76%purchase rate p.a.
Police Bank
Police Bank
Police Student Credit Card
Police only
Interest free · Npp payid · Npp enabled
$30annual fee
10.76%purchase rate p.a.
American Express
American Express · non-bank lender
Low Rate Credit Card from American Express®Interest free · Additional cards · Insurance
$0annual fee
10.99%purchase rate p.a.
Credit Union SA
Credit Union SA
Education Community Credit CardAdditional cards · Unlimited txns · Npp payid
$0annual fee
11.49%purchase rate p.a.
Credit Union SA
Credit Union SA
Workplace Benefits Credit CardAdditional cards · Unlimited txns · Npp payid
$0annual fee
11.49%purchase rate p.a.
Australian Mutual Bank
Australian Mutual Bank
Credit Card
Education sector members only
Interest free · Balance transfers · Additional cards
not statedannual fee
11.50%purchase rate p.a.
Firefighters Mutual Bank
Firefighters Mutual Bank
Credit Card
Emergency services members only
Interest free · Balance transfers · Additional cards
not statedannual fee
11.50%purchase rate p.a.
Health Professionals Bank
Health Professionals Bank
Credit Card
Health sector members only
Interest free · Balance transfers · Additional cards
not statedannual fee
11.50%purchase rate p.a.
Teachers Mutual Bank
Teachers Mutual Bank
Credit Card
Education sector members only
Interest free · Balance transfers · Additional cards
not statedannual fee
11.50%purchase rate p.a.
UniBank
UniBank
Credit Card
University community members only
Interest free · Balance transfers · Additional cards
not statedannual fee
11.50%purchase rate p.a.
bcu
Interest free · Balance transfers · Additional cards
$45annual fee
11.95%purchase rate p.a.
HUME BANK LIMITED
HUME BANK LIMITED
Visa ValueInterest free · Balance transfers · Additional cards
not statedannual fee
11.95%purchase rate p.a.
Newcastle Permanent
Newcastle Permanent
Value Plus Credit Card
Minimum income applies
Interest free · Balance transfers · Additional cards
$49annual fee
11.99%purchase rate p.a.
P&N Bank
P&N Bank
P&N Bank Visa ClassicInterest free · Balance transfers · Additional cards
$49annual fee
11.99%purchase rate p.a.
Newcastle Permanent
Newcastle Permanent
Business Plus Credit Card
For business customers
Interest free · Balance transfers · Additional cards
$55annual fee
11.99%purchase rate p.a.
Bendigo Bank
Bendigo Bank
Bendigo Bright Credit CardInterest free · Balance transfers · Additional cards
$59annual fee
11.99%purchase rate p.a.
Beyond Bank Australia
Beyond Bank Australia
Low Rate Credit CardInterest free · Balance transfers · Additional cards
$59annual fee
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
11.99%purchase rate p.a.
P&N Bank
P&N Bank
P&N Bank Visa PlatinumInterest free · Balance transfers · Additional cards
$99annual fee
11.99%purchase rate p.a.
Credit Union SA
Credit Union SA
Visa Credit CardAdditional cards · Unlimited txns · Npp payid
$59annual fee
11.99%purchase rate p.a.
Qudos Bank
Qudos Bank
LifestyleAdditional cards · Digital wallet · Digital banking
$0annual fee
12.34%purchase rate p.a.
The Mutual Bank
The Mutual Bank
Mutual Visa Credit CardExtra repayments · Interest free · Balance transfers
$49annual fee
12.49%purchase rate p.a.
UNITY BANK
UNITY BANK
Business - Low Rate Credit Card
For business customers
Interest free · Additional cards · Unlimited txns
$50annual fee
12.49%purchase rate p.a.
QBANK
QBANK
Bluey Visa Credit Card
Public sector members only
Interest free · Balance transfers · Additional cards
not statedannual fee
12.49%purchase rate p.a.
Heritage
Heritage
Unsecured Business Visa Credit Card
For business customers
Earns points · Interest free · Digital wallet
$45annual fee
12.95%purchase rate p.a.
HORIZON BANK
HORIZON BANK
VISA CREDIT CARDInterest free · Additional cards · Npp payid
not statedannual fee
12.95%purchase rate p.a.
People First Bank
People First Bank
Visa Credit CardInterest free · Npp payid · Npp enabled
not statedannual fee
12.95%purchase rate p.a.
ING BANK (Australia) Ltd
ING BANK (Australia) Ltd
Orange One Low Rate
Minimum income applies
Interest free · Additional cards · Unlimited txns
$48annual fee
12.99%purchase rate p.a.
Bankwest
Bankwest
Bankwest Breeze Platinum MastercardInterest free · Balance transfers · Additional cards
$59annual fee
12.99%purchase rate p.a.
Virgin Money Australia
Virgin Money Australia
Virgin Money Low Rate Credit Card
Minimum income applies
Earns points · Interest free · Balance transfers
$99annual fee
12.99%purchase rate p.a.
Bank Australia
Bank Australia
Low Rate Visa Credit CardBalance transfers · Digital wallet · Digital banking
$0annual fee
12.99%purchase rate p.a.
Showing the first 50 of 219 - 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.
Show everything ranks by purchase rate, lowest first - the neutral order for a view with no mission - with cards not publishing a rate listed last, marked not stated. Ties break by the published chain on our data page.
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