Coles Credit Cards
Coles Credit Cards
Coles No Annual Fee MastercardInterest free · Balance transfers · Additional cards
$0annual fee
44interest-free days
Flybuysrewards program
20.74%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?
Points on your spending. Ranked by annual fee - the price of the points - and you can pick a program in the filters.
Points only pay off if you clear your balance monthly — if you carry a balance, that matters more than any program ›
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
rewards programpurchase 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.
Coles Credit Cards
Kogan Money Credit Cards
Kogan Money Credit Cards
Kogan Money Black Credit Card
Minimum income applies
Interest free · Balance transfers · Additional cards
$0annual fee
44interest-free days
Kogan Money Credit Cards Rewardsrewards program
21.99%purchase rate p.a.
American Express
American Express · non-bank lender
The Qantas American Express Discovery CardInterest free · Additional cards · Insurance
$0annual fee
44interest-free days
Qantas Frequent Flyerrewards program
23.99%purchase rate p.a.
BOQ Specialist
BOQ Specialist
Platinum Visa Credit Card
Listed professions only
Additional cards · Insurance · Digital wallet
$0annual fee
not statedinterest-free days
Qantas Frequent Flyerrewards program
13.99%purchase rate p.a.
American Express
American Express · non-bank lender
American Express® Business Gold Plus Card
For business customers
Additional cards · Insurance · Digital wallet
$0annual fee
not statedinterest-free days
Amex Membership Rewardsrewards program
23.99%purchase rate p.a.
American Express
American Express · non-bank lender
American Express® Platinum Business Card
For business customers
Additional cards · Insurance · Digital wallet
$0annual fee
not statedinterest-free days
Amex Membership Rewardsrewards program
23.99%purchase rate p.a.
American Express
American Express · non-bank lender
The American Express® Qantas Business Rewards Card
For business customers
Additional cards · Insurance · Digital wallet
$0annual fee
not statedinterest-free days
Qantas Frequent Flyerrewards program
23.99%purchase rate p.a.
American Express
American Express · non-bank lender
American Express® Corporate Green Card
For business customers
Insurance · Digital wallet · Digital banking
$0annual fee
not statedinterest-free days
Amex Membership Rewardsrewards program
Not publishedpurchase rate p.a.
American Express
American Express · non-bank lender
American Express® Qantas Corporate Green Card
For business customers
Insurance · Digital wallet · Digital banking
$0annual fee
not statedinterest-free days
Qantas Frequent Flyerrewards program
Not publishedpurchase rate p.a.
Westpac
Westpac
Low Fee Card
Minimum income applies
Extra repayments · Interest free · Digital wallet
$30annual fee
55interest-free days
ShopBack partnerrewards program
20.99%purchase rate p.a.
American Express
American Express · non-bank lender
American Express® Corporate Gold Card
For business customers
Insurance · Digital wallet · Digital banking
$35annual fee
not statedinterest-free days
Amex Membership Rewardsrewards program
Not publishedpurchase rate p.a.
American Express
American Express · non-bank lender
American Express® Qantas Corporate Gold Card
For business customers
Insurance · Digital wallet · Digital banking
$35annual fee
not statedinterest-free days
Qantas Frequent Flyerrewards program
Not publishedpurchase rate p.a.
Bank of China
Interest free · Balance transfers · Additional cards
$40annual fee
50interest-free days
Rewards Pointsrewards program
19.99%purchase rate p.a.
Heritage
Heritage
Secured Business Visa Credit Card
For business customers
Interest free · Digital wallet · Digital banking
$45annual fee
40interest-free days
Heritage Creditsrewards program
10.65%purchase rate p.a.
Heritage
Heritage
Unsecured Business Visa Credit Card
For business customers
Interest free · Digital wallet · Digital banking
$45annual fee
40interest-free days
Heritage Creditsrewards program
12.95%purchase rate p.a.
Coles Credit Cards
Coles Credit Cards
Coles Low Rate MastercardInterest free · Balance transfers · Additional cards
$58annual fee
55interest-free days
Flybuysrewards program
13.49%purchase rate p.a.
Bank of China
Bank of China
Bank of China Global UnionPay CardInterest free · Balance transfers · Additional cards
$60annual fee
50interest-free days
Rewards Pointsrewards program
19.99%purchase rate p.a.
Latitude Credit Cards
Latitude Credit Cards · non-bank lender
Latitude Low Rate Mastercard
Minimum income applies
Interest free · Balance transfers · Additional cards
$69annual fee
55interest-free days
Latitude Rewardsrewards program
13.99%purchase rate p.a.
Summerland Bank
Summerland Bank
Rewards Credit Card
rates not published
Interest free · Balance transfers · Additional cards
$79annual fee
55interest-free days
Summerland Credit Card Rewards Programrewards program
Not publishedpurchase rate p.a.
American Express
American Express · non-bank lender
American Express® Personal Card
rates not published
Additional cards · Insurance · Digital wallet
$80annual fee
not statedinterest-free days
Amex Membership Rewardsrewards program
Not publishedpurchase rate p.a.
Westpac
Westpac
Low Rate Card
Minimum income applies
Extra repayments · Interest free · Balance transfers
$84annual fee
55interest-free days
ShopBack partnerrewards program
13.74%purchase rate p.a.
Bank of Melbourne
Bank of Melbourne
VertigoExtra repayments · Interest free · Balance transfers
$84annual fee
55interest-free days
ShopBack partnerrewards program
13.99%purchase rate p.a.
BankSA
BankSA
VertigoExtra repayments · Interest free · Balance transfers
$84annual fee
55interest-free days
ShopBack partnerrewards program
13.99%purchase rate p.a.
St.George Bank
St.George Bank
Rainbow Vertigo CardExtra repayments · Interest free · Balance transfers
$84annual fee
55interest-free days
ShopBack partnerrewards program
13.99%purchase rate p.a.
St.George Bank
St.George Bank
VertigoExtra repayments · Interest free · Balance transfers
$84annual fee
55interest-free days
ShopBack partnerrewards program
13.99%purchase rate p.a.
Queensland Country Bank
Queensland Country Bank
Visa Business My Rewards
For business customers
Interest free · Balance transfers · Additional cards
$85annual fee
55interest-free days
not statedrewards program
14.74%purchase rate p.a.
Bank of Melbourne
Bank of Melbourne
Amplify Business
For business customers
Extra repayments · Interest free · Additional cards
$89annual fee
55interest-free days
Amplify Rewardsrewards program
19.49%purchase rate p.a.
BankSA
BankSA
Amplify Business
For business customers
Extra repayments · Interest free · Additional cards
$89annual fee
55interest-free days
Amplify Rewardsrewards program
19.49%purchase rate p.a.
St.George Bank
St.George Bank
Amplify Business
For business customers
Extra repayments · Interest free · Additional cards
$89annual fee
55interest-free days
Amplify Rewardsrewards program
19.49%purchase rate p.a.
Bendigo Bank
Bendigo Bank
Platinum Rewards Credit CardInterest free · Balance transfers · Additional cards
$89annual fee
55interest-free days
Bendigo Bank Rewardsrewards program
19.99%purchase rate p.a.
Bank of Queensland
Bank of Queensland
BOQ Blue Visa Credit Card
Minimum income applies
Interest free · Balance transfers · Insurance
$89annual fee
44interest-free days
Q Rewardsrewards program
20.99%purchase rate p.a.
Bendigo Bank
Bendigo Bank
Qantas Business Credit Card
For business customers
Additional cards · Insurance · Digital wallet
$89annual fee
not statedinterest-free days
Qantas Frequent Flyerrewards program
19.99%purchase rate p.a.
ANZ
Interest free · Balance transfers · Additional cards
$94annual fee
44interest-free days
ANZ Rewards Pointsrewards program
22.49%purchase rate p.a.
American Express
American Express · non-bank lender
The American Express Velocity Escape Plus CardInterest free · Additional cards · Insurance
$95annual fee
55interest-free days
Velocity Frequent Flyerrewards program
23.99%purchase rate p.a.
Latitude Credit Cards
Latitude Credit Cards · non-bank lender
Latitude 28° Global Platinum Mastercard
Minimum income applies
Interest free · Balance transfers · Additional cards
$96annual fee
55interest-free days
Latitude Rewardsrewards program
28.99%purchase rate p.a.
Virgin Money Australia
Virgin Money Australia
Virgin Money Low Rate Credit Card
Minimum income applies
Interest free · Balance transfers · Digital wallet
$99annual fee
55interest-free days
Virgin Money Rewardsrewards program
12.99%purchase rate p.a.
Coles Credit Cards
Coles Credit Cards
Coles Rewards MastercardInterest free · Balance transfers · Additional cards
$99annual fee
44interest-free days
Flybuysrewards program
20.74%purchase rate p.a.
Qantas Money Credit Cards
Qantas Money Credit Cards
Qantas Money Everyday Credit Card
Minimum income applies
Interest free · Balance transfers · Additional cards
$99annual fee
44interest-free days
Qantas Frequent Flyerrewards program
20.99%purchase rate p.a.
American Express
American Express · non-bank lender
The American Express Velocity Business Card
For business customers
Additional cards · Insurance · Digital wallet
$99annual fee
not statedinterest-free days
Velocity Frequent Flyerrewards program
23.99%purchase rate p.a.
Bank of China
Interest free · Balance transfers · Additional cards
$100annual fee
50interest-free days
Rewards Pointsrewards program
19.99%purchase rate p.a.
Westpac
Westpac
Westpac Lite Card
Minimum income applies
Extra repayments · Interest free · Additional cards
$108annual fee
45interest-free days
ShopBack partnerrewards program
9.90%purchase rate p.a.
American Express
American Express · non-bank lender
American Express Essential® Rewards Credit CardInterest free · Additional cards · Insurance
$108annual fee
55interest-free days
Amex Membership Rewardsrewards program
23.99%purchase rate p.a.
American Express
American Express · non-bank lender
American Express® Gold Card
rates not published
Additional cards · Insurance · Digital wallet
$130annual fee
not statedinterest-free days
Amex Membership Rewardsrewards program
Not publishedpurchase rate p.a.
Latitude Credit Cards
Latitude Credit Cards · non-bank lender
Latitude Gem Visa
Minimum income applies
Interest free · Balance transfers · Additional cards
$143.40annual fee
not statedinterest-free days
Latitude Rewardsrewards program
28.99%purchase rate p.a.
Great Southern Bank
Great Southern Bank
Platinum Credit CardInterest free · Additional cards · Insurance
$144annual fee
55interest-free days
Cashbackrewards program
19.99%purchase rate p.a.
ING BANK (Australia) Ltd
ING BANK (Australia) Ltd
Orange One Rewards Platinum
Minimum income applies
Interest free · Additional cards · Insurance
$149annual fee
45interest-free days
Cash backrewards program
16.99%purchase rate p.a.
Bendigo Bank
Bendigo Bank
Qantas Platinum Credit CardInterest free · Balance transfers · Additional cards
$149annual fee
55interest-free days
Qantas Frequent Flyerrewards program
19.99%purchase rate p.a.
Virgin Money Australia
Virgin Money Australia
Virgin Money Anytime Rewards Credit Card
Minimum income applies
Interest free · Balance transfers · Digital wallet
$149annual fee
55interest-free days
Virgin Money Rewardsrewards program
19.99%purchase rate p.a.
Macquarie
Macquarie
Macquarie Platinum Card
Minimum income applies
Interest free · Additional cards · Insurance
$149annual fee
55interest-free days
Macquarie Rewardsrewards program
20.70%purchase rate p.a.
Virgin Money Australia
Virgin Money Australia
Virgin Australia Velocity Flyer Credit Card
Minimum income applies
Interest free · Balance transfers · Insurance
$149annual fee
44interest-free days
Velocity Frequent Flyerrewards program
20.74%purchase rate p.a.
Showing the first 50 of 117 - 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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