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Australian Credit Cards and Lines of Credit
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Australian Online Credit Card Applications
Welcome to our guide to Australian credit cards with features, benefits, and applications online.
Browse the Australian banks listed below to see the credit cards or lines of credit that they offer.
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ANZ Balance Visa
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| The credit card that rewards you for reducing your balance. Apply now and receive a response in 60 secs. |
- Earn 1 Reward Point for every $1 you repay to your balance, including interest and fees on your ANZ Balance Visa and repayments on any balances transferred
- For a limited time, save with 0% p.a. on balance transfers for the first 6 months
- Competitive interest rate on purchases of 13.24% p.a.
- Reward Points redeemable for Cash Back, Shopping Vouchers and Gift Cards
- ANZ Falcon™ – provides advanced around the clock monitoring for suspicious transactions
- Online Shopping guarantee
- Subject to terms and conditions
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
0% p.a. for 6 mo. |
13.24% p.a. |
$79 |
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ANZ Gold
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| Enjoy the benefits of Gold with two types of insurance protection and competitive Annual Account Fee. |
- 90 day Purchase Security Insurance*
- Overseas travel and medical insurance*
- Online Shopping guarantee
- Flexibility to add up to 9 additional cards at no extra cost
- ANZ Falcon™ – provides advanced around the clock monitoring for suspicious transactions
- Extended Warranty*
- Annual Account Fee of $87
Subject to terms and conditions |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
7.99% p.a. for 6 mo. |
17.99% p.a. |
$87 |
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ANZ Rewards Visa
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- To earn everyday Reward Points¹ from everyday purchases
- Earn unlimited Bonus Reward Points¹ at Bonus Partners Australia wide
- Choose from a wide range of everyday Rewards:
- Shopping Vouchers & Gift Cards
- Merchandise & Gifts
- Frequent Flyer Points, Travel & Accommodation
- Entertainment
- To book flights online with ANZ Holiday Rewards®
- To have 24/7 ANZ Falcon™ around the clock monitoring for suspicious transactions on your ANZ Rewards Visa card
- 90 days Purchase Security Insurance² on ANZ Rewards Visa Gold card.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
18.49% p.a. |
$48* |
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ANZ Rewards Visa Gold
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- To earn everyday Reward Points¹ from everyday purchases
- Earn unlimited Bonus Reward Points¹ at Bonus Partners Australia wide
- Choose from a wide range of everyday Rewards:
- Shopping Vouchers & Gift Cards
- Merchandise & Gifts
- Frequent Flyer Points, Travel & Accommodation
- Entertainment
- To book flights online with ANZ Holiday Rewards®
- To have 24/7 ANZ Falcon™ around the clock monitoring for suspicious transactions on your ANZ Rewards Visa card
- 90 days Purchase Security Insurance² on ANZ Rewards Visa Gold card.
Subject to terms and conditions |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
18.49% p.a. |
$79* |
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ANZ First Visa
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| Want a card with no frills? ANZ First Visa is a simple low Annual Account Fee credit card. |
- For a limited time, enjoy $0 annual account fee for the first 12 months
- Low Annual Account Fee of $30, and discounted to $26 if linked to ANZ Access Account
- Up to 3 additional cards at no extra cost
- 90 day Purchase Security Insurance³
- ANZ Falcon™ – provides advanced around the clock monitoring for suspicious transactions
- Extended Warranty³
- Online Shopping guarantee
Subject to terms and conditions |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
7.99% p.a. for 6 mo. |
17.99% p.a. |
$30* |
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ANZ Low Rate MasterCard
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| Save with low interest rate on purchases and enjoy 0% p.a. on balance transfers for the first 6 months*. |
- Low interest rate of 12.24% p.a. on purchases
- Up to 3 additional cards at no extra cost
- Online Shopping guarantee
- MasterCard applause™ - be entertained with exclusive tickets to theatre, dance, musicals and sporting events
- MasterCard Travel Exclusives - special offers and great deals, simply for being a MasterCard cardholder
- ANZ Falcon™ – provides advanced around the clock monitoring for suspicious transactions
Subject to terms and conditions |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
0% p.a. for 6 mo. |
12.24% p.a. |
$58 |
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ANZ Frequent Flyer Platinum Credit Card
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| Your perfect travel companion |
- Earn 1.5 points per $1 spent on purchases using your ANZ Frequent Flyer American Express® card
- Earn 1 point per $2 spent on purchases using your ANZ Frequent Flyer Visa card
- Uncapped Qantas Frequent Flyer points earning
- Overseas Travel and Medical Insurance
- Dedicated concierge service
- Exclusive offers and benefits with entré™ for ANZ Frequent Flyer Platinum American Express and Visa Platinum Privileges for ANZ Frequent Flyer Visa Platinum
- Interest rate of 18.49% p.a. on purchases and 19.74% p.a. on cash advances
- $295 Total Annual Fee for new applicants
- Up to 55 days interest free credit on purchases
- Minimum credit limit of $12,000
- Subject to terms and conditions
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
18.49% p.a. |
$295 |
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ANZ Frequent Flyer Gold Credit Card
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| Get your Frequent Flyer Points balance started today! |
- Earn 1.25 points per $1 spent on purchases using your ANZ Frequent Flyer American Express® card
- Earn 1 point per $2 spent on purchases using your ANZ Frequent Flyer Visa card
- Uncapped Qantas Frequent Flyer points earning
- Interest rate of 18.49% p.a. on purchases and 19.74% p.a. on cash advances
- $195 Total Annual Fee for new applicants
- Up to 55 days interest free credit on purchases
- Minimum credit limit of $5,000
- Subject to terms and conditions
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
18.49% p.a. |
$195 |
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ANZ Frequent Flyer Classic Credit Card
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| Get your Frequent Flyer Points balance started today! |
- Earn 1 point per $1 spent on purchases using your ANZ Frequent Flyer American Express® card
- Earn 1 point per $2 spent on purchases using your ANZ Frequent Flyer Visa card
- Uncapped Qantas Frequent Flyer points earning
- Interest rate of 18.49% p.a. on purchases and 19.74% p.a. on cash advances
- $95 Total Annual Fee3 for new applicants
- Up to 44 days interest free credit on purchases
- Minimum credit limit of $1,000
- Subject to terms and conditions
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
18.49% p.a. |
$95 |
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Aussie MasterCard
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- A low interest rate of 2.99% p.a. on balance transfers for first 6 months. Limited offer!
- 2.99% p.a. on purchases for the first 6 months
- Reverts to a low ongoing rate, currently 11.99% p.a. on purchases
- Up to 55 days interest free credit on purchases
- A 60-second response to your application
- Get an online response in 60 seconds
- Shop safely online at participating merchants with MasterCard Securecode™
- You don't need to be an Aussie customer to apply
- Subject to terms and conditions
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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2.99% p.a. for 6 mo. |
2.99% p.a. for 6 mo. |
11.74% p.a. |
$49 |
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
2.9% p.a. for 12 mo. |
19.89% p.a. |
$79 |
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CitiBusiness Gold Credit Card
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| The CitiBusiness Credit Card is your ultimate business companion, with 1.25 reward points for every $1 spent and 4.9% p.a. on balance transfers for 6 months. |
- 0% p.a. purchases and balance transfers for 3 months
- 5,000 bonus Rewards points after your first retail spend
- 1.5 Rewards points per $1 spend on the card
- Generous credit limit of up to $60,000
- Complimentary Business Concierge service
- Complimentary International travel insurance
- Subject to terms and conditions
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0% p.a. for 3 mo. |
0% p.a. for 3 mo. |
19.99% p.a. |
$130 |
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Citibank Clear Platinum Card
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- 0% p.a. on balance transfers for 6 months # 0% p.a. on purchases for 6 months
- After 6 months, reverts back to a very low 10.99% p.a.
- Discounts with Citibank World Privileges
- All the features of a low rate card with the added benefits of a platinum card, like; entertainment offers, concierge service, retail discounts, and complementary international travel insurance
- Subject to terms and conditions
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0% p.a. for 6 mo. |
0% p.a. for 6 mo. |
10.99% p.a. |
$85 |
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Citibank Silver Card
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| Get the rewards you deserve by living a simple yet fulfilling life. It’s now even greater with a special 2.9% p.a. on Balance Transfers for 12 months. |
- Access to Citibank World Privileges
- Silver Rewards Program
- Citibank Take Flight®
- Purchase Cover
- Generous credit limit up to $7,500 at lower annual fees
- Up to 55 Days Interest-free
- Enjoy up to 55 days interest-free on retail purchases.
- FRAUD SHIELD®
Subject to terms and conditions |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
2.9% p.a. for 12 mo. |
19.99% p.a. |
$69 |
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Emirates Citi Platinum Card
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- 1.5 Skywards Miles per $1 spent
- Complimentary lounge access in Australia and Dubai
- Complimentary Chauffeur-drive service to and from Australian airports
- 4.9% p.a. for life on the balances transferred
- Lower annual fee than competing airline cards at $199
- Ability to earn and redeem Skywards Miles on Virgin Blue flights
- Complimentary international travel and purchase cover insurance
- International award-winning airline that flies to over 100 destinations on six continents
- 24/7 Personal Concierge around the world
Subject to terms and conditions |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
4.9% p.a. Life of Balance |
19.99% p.a. |
$199 |
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St.George Bank Credit Cards
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St.George Vertigo Master Card
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- A low rate on purchases of 11.49% p.a.*
- 2.99% p.a. balance transfer rate for up to 6 months**
- Awarded Australia’s Cheapest Balance Transfer Credit Card by Money Magazine 2009.***
- Up to 55 interest free days on purchases*
- Low $55 annual fee
- An additional card for a friend or family member, with all transactions on one statement
- Linked access to your other St.George accounts, for the ease of one card banking
- Instant discounts and added extras with St.George Instant Benefits
Subject to terms and conditions
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
2.99% p.a.* for 6 mo. |
11.49% p.a. |
$55 |
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St.George Platinum Credit Card
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- 3.99% p.a balance transfer rate for up to 6 months***
- Low Platinum 14.74% p.a. purchase rate*
- Up to 55 interest free days on purchases*
- Low $89 Platinum annual fee
- A full range of complimentary insurances** including:
- Domestic flight inconvenience insurance
- Overseas travel insurance
- Transit accident
- Purchase cover
- Extended warranty
- Best price guarantee
- Personal Concierge Service available 24/7
- Up to 3 additional cards for your friends or family, with all transactions on one statement
- Linked access to your other St.George accounts for the ease of
one-card-banking
Subject to terms and conditions |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
3.99% p.a. for 6 mo. |
14.74% p.a. |
$89 |
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U.S. Credit Cards
Canadian Cards
U.K. Credit Cards
Belgian Cards
Norwegian Cards