Compare Credit cards
Annual fees and interest rates, with nowhere to hide. Free, no sign-up.
Why do you want a new card?
You have a balance on another card and want to shift it: longest 0% transfer window first, with the transfer fee and the rate it reverts to beside it.
| 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.
Latitude Credit Cards
Latitude Credit Cards · non-bank lender
Latitude Low Rate MastercardEarns points · Interest free · Balance transfers
Bank of Queensland
Bank of Queensland
BOQ Low Rate Visa Credit CardInterest free · Balance transfers · Interest free transfers
Virgin Money Australia
Virgin Money Australia
Virgin Money Low Rate Credit CardEarns points · Interest free · Balance transfers
Virgin Money Australia
Virgin Money Australia
Virgin Money Anytime Rewards Credit CardEarns points · Interest free · Balance transfers
Virgin Money Australia
Virgin Money Australia
Virgin Australia Velocity Flyer Credit CardEarns points · Interest free · Balance transfers
Westpac
Westpac
Low Rate CardEarns points · Extra repayments · Interest free
Bank of Melbourne
Bank of Melbourne
VertigoEarns points · Extra repayments · Interest free
BankSA
BankSA
VertigoEarns points · Extra repayments · Interest free
St.George Bank
St.George Bank
Rainbow Vertigo CardEarns points · Extra repayments · Interest free
St.George Bank
St.George Bank
VertigoEarns points · Extra repayments · Interest free
Latitude Credit Cards
Latitude Credit Cards · non-bank lender
Latitude 28° Global Platinum MastercardEarns points · Interest free · Balance transfers
Latitude Credit Cards
Latitude Credit Cards · non-bank lender
Latitude Gem VisaEarns points · Interest free · Balance transfers
Latitude Credit Cards
Latitude Credit Cards · non-bank lender
Latitude GO Platinum MastercardInterest free · Balance transfers · Digital wallet
Bank of Queensland
Bank of Queensland
BOQ Platinum Visa Credit CardEarns points · Interest free · Balance transfers
Latitude Credit Cards
Latitude Credit Cards · non-bank lender
David Jones Premiere Credit CardEarns points · Interest free · Balance transfers
Virgin Money Australia
Virgin Money Australia
Virgin Australia Velocity High Flyer Credit CardEarns points · Interest free · Balance transfers
Latitude Credit Cards
Latitude Credit Cards · non-bank lender
David Jones Prestige Credit CardEarns points · Interest free · Balance transfers
NATIONAL AUSTRALIA BANK
NATIONAL AUSTRALIA BANK
NAB Low Fee CardInterest free · Balance transfers · Additional cards
Beyond Bank Australia
Beyond Bank Australia
Low Rate Credit CardInterest free · Balance transfers · Additional cards
Bank of Queensland
Bank of Queensland
BOQ Blue Visa Credit CardEarns points · Interest free · Balance transfers
Bank Australia
Bank Australia
Low Rate Visa Credit CardBalance transfers · Digital wallet · Digital banking
Virgin Money Australia
Virgin Money Australia
Virgin Money No Annual Fee Credit CardEarns points · Interest free · Balance transfers
Bankwest
Bankwest
Bankwest Breeze Platinum MastercardInterest free · Balance transfers · Additional cards
Bankwest
Bankwest
Bankwest More World MastercardEarns points · Interest free · Balance transfers
Bankwest
Bankwest
Bankwest Zero Platinum MastercardInterest free · Balance transfers · Additional cards
Bendigo Bank
Bendigo Bank
Bendigo Ready Credit CardInterest free · Balance transfers · Additional cards
Bendigo Bank
Bendigo Bank
Bendigo Bright Credit CardInterest free · Balance transfers · Additional cards
Bankwest
Bankwest
Bankwest Qantas Platinum MastercardEarns points · Interest free · Balance transfers
Bankwest
Bankwest
Bankwest Qantas World MastercardEarns points · Interest free · Balance transfers
Bendigo Bank
Bendigo Bank
Platinum Rewards Credit CardEarns points · Interest free · Balance transfers
Bendigo Bank
Bendigo Bank
Qantas Platinum Credit CardEarns points · Interest free · Balance transfers
ANZ
ANZ
ANZ FirstInterest free · Balance transfers · Additional cards
ANZ
ANZ
ANZ Low RateInterest free · Balance transfers · Additional cards
ANZ
ANZ
ANZ PlatinumInterest free · Balance transfers · Additional cards
ANZ
Earns points · Interest free · Balance transfers
ANZ
Earns points · Interest free · Balance transfers
ANZ
Earns points · Interest free · Balance transfers
ANZ
Earns points · Interest free · Balance transfers
NORTHERN INLAND CREDIT UNION LTD.
NORTHERN INLAND CREDIT UNION LTD.
Classic Credit CardNpp payid · Npp enabled · Digital wallet
UNITY BANK
UNITY BANK
Low Rate Visa Credit CardInterest free · Additional cards · Unlimited txns
A-Auswide Bank
A-Auswide Bank
LOW RATE VISA CREDIT CARDInterest free · Balance transfers · Additional cards
UNITY BANK
UNITY BANK
Platinum Visa Credit CardEarns points · Interest free · Additional cards
Community First Credit Union
Community First Credit Union
NSA CREDIT CARDInterest free · Balance transfers · Additional cards
Greater Bank
Greater Bank
Business Visa Credit CardInterest free · Balance transfers · Additional cards
Greater Bank
Greater Bank
Visa Credit CardInterest free · Balance transfers · Additional cards
Community First Credit Union
Community First Credit Union
LOW RATE CREDIT CARDInterest free · Balance transfers · Additional cards
bcu
Interest free · Balance transfers · Additional cards
Newcastle Permanent
Newcastle Permanent
Value Plus Credit CardInterest free · Balance transfers · Additional cards
P&N Bank
P&N Bank
P&N Bank Visa ClassicInterest free · Balance transfers · Additional cards
Newcastle Permanent
Newcastle Permanent
Business Plus Credit CardInterest free · Balance transfers · Additional cards
Showing the first 50 of 71 - 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.
Balance-transfer offers show the full published economics: the 0% window, the one-off transfer fee, and the revert rate the remaining balance rolls to afterwards. Parts a provider doesn't publish are marked not stated - confirm with the provider before transferring.