Find the Perfect Credit Card

Compare credit cards from Australia’s leading banks. Whether you want rewards, low rates, or no annual fees, we’ll help you find the right card for your lifestyle.

Compare Credit Cards Payoff Calculator

100% Free Service

Trusted Issuers

Quick Comparison

Cards From Leading Issuers

Compare credit cards from Australia’s biggest banks and card providers

CommBank

Westpac

ANZ

NAB

Amex

Citi

HSBC

Macquarie

Bankwest

St.George

Suncorp

Virgin Money

And many more card providers available for comparison

Compare Credit Cards The Smart Way

With hundreds of credit cards available in Australia, finding the right one can feel overwhelming. The best card for you depends entirely on how you plan to use it

Start by being honest about your spending habits. Look at your last few months of statements to understand where your money goes. If you spend heavily on groceries, a card with bonus points in that category could offer real value

Consider the annual fee in context. A $200 fee might seem expensive, but if the card offers benefits worth $500 to you through rewards and perks you’ll actually use, it’s good value

ManageHub helps you compare cards side by side, so you can see the true costs, earning rates, and features that matter most to your situation

Start Comparing Now

Maximise Your Card Benefits

Credit cards offer more than just a way to pay. Modern cards come with rewards programs, travel perks, purchase protection, and insurance benefits that can provide genuine value

Rewards cards earn you points on everyday spending. These can be redeemed for flights, merchandise, or cashback. The key is calculating the real value and ensuring it exceeds any annual fees

Travel benefits like airport lounge access, travel insurance, and no foreign transaction fees can save hundreds if you travel regularly. But if you don’t travel, these extras shouldn’t drive your decision

The most important rule: always pay your balance in full. Interest charges will quickly eliminate any rewards value, turning a good deal into an expensive one

Card Types

Find Your Perfect Card Type

Different cards suit different needs. Choose based on how you plan to use your card.

Rewards Cards

Earn points on everyday spending redeemable for flights, gift cards, or cashback. Best for high spenders who pay their balance in full each month.

Rate:18-22% p.a.

Fee:$49-$450/year

Low Rate Cards

Lower interest rates for those who occasionally carry a balance. More forgiving than rewards cards if you can’t clear your balance right away.

Rate:9-14% p.a.

Fee:$0-$99/year

Balance Transfer

0% intro rates to help you pay down existing credit card debt faster. Useful for consolidating debt without accumulating more interest.

Rate:0% for 12-28mo

Fee:1-3% transfer fee

No Annual Fee

Keep costs low with cards that don’t charge yearly fees. Ideal for occasional use, emergencies, or if you’re just starting out with credit.

Rate:Varies

Fee:$0/year

FAQ

Common Credit Card Questions

How do credit card interest rates work?

Credit card interest is charged on any balance you don’t pay off by the due date. Most cards offer an interest-free period (typically 44-55 days) on purchases. If you pay your full statement balance by the due date, you won’t pay interest. Once you carry a balance, interest is calculated daily on the remaining amount.

What fees should I watch out for?

Beyond annual fees, watch for cash advance fees (withdrawing cash), foreign transaction fees (typically 2-3% overseas), late payment fees, and over-limit fees. Some cards charge for additional cardholders or paper statements. Always read the fees and charges document.

How do rewards programs actually work?

You earn points based on spending, typically 0.5-2 points per dollar. Points can be redeemed for flights, merchandise, gift cards, or statement credits. Point values vary between 0.3-1.5 cents each depending on redemption. Flight redemptions usually offer the best value.

Will applying affect my credit score?

Each application creates a hard enquiry on your credit file, which can temporarily lower your score. Multiple applications in a short period have a larger impact. Only apply for cards you’re likely to be approved for, and avoid applying for several at once.

What credit limit should I accept?

Only accept a limit you can realistically manage. A higher limit helps your credit utilisation ratio but means more potential debt. If offered more than you need, you can request a lower limit. Aim to use less than 30% of your available credit.

Should I close old credit cards?

Keeping old accounts open can benefit your credit score through longer credit history and lower utilisation. However, if the card has an annual fee you’re not using, consider downgrading to a no-fee version or closing it. Factor in any impact on your credit mix.

Ready to Find Your Perfect Card?

Compare credit cards from Australia’s top issuers and start earning rewards, saving on interest, or building your credit today.

Compare Credit Cards Now Rewards Guide