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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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| Be rewarded for reducing your balance |
- 1 Reward Point for every $1 you repay to your balance*
- Choose how you would like to be rewarded—cashback, shopping vouchers or gift cards
- No cap to reward points and they will not expire as long as you have your card account
- 20.99% p.a. interest rate on cash advances
- Up to 55 days interest free credit on purchases
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
13.99% |
$79 |
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ANZ Everyday Visa Debit
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| Use your own money to shop online, overseas or over the phone |
- No credit application necessary
- Worldwide acceptance of Visa while accessing your own savings
- Your choice of card design
- Unlimited ANZ transactions for $6 a month
- Full time students can also take advantage of a 50% discount on monthly account fees*
- Additional cardholders at no extra cost
- ANZ's Online Guarantee for greater protection on internet purchases
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
None |
$6/mo. |
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ANZ Frequent Flyer Visa
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- Earn up to 1 Quantas frequent flyer point for every dollar spent*
- 2.9% on balance transfers in the first 12 months
- Receive up to 2 bonus points for every dollar spent at ANZ Bonus Partners
- Earn unlimited bonus points with our wide selection of Bonus Partners Australia-wide
- Up to 44 days interest free on purchases
- 24/7 ANZ Falcon™ security protection
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
2.9% for 12 mo. |
20.74% |
$95 |
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ANZ Frequent Flyer Visa Gold
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- Earn up to 1 Quantas frequent flyer point for every dollar spent**
- 2.9% on balance transfers in the first 12 months
- Receive up to 2 bonus points for every dollar spent at ANZ Bonus Partners
- Earn unlimited bonus points with our wide selection of Bonus Partners Australia-wide
- Up to 55 days interest free on purchases
- 24/7 ANZ Falcon™ security protection
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
2.9 for 12 mo. |
20.74% |
$150 |
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ANZ Gold
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- Low rate balance transfer of 7.99% p.a. for the first 6 months
- Credit limit up to $25,000
- Up to 55 days interest free credit on purchases
- Access to ANZ Gold Liberty 24hr global travel service
- Overseas travel and medical insurance*
- Commission free traveller’s cheques when purchased through any ANZ branch in Australia
- 90-day purchase security insurance*
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
7.99% for 6 mo. |
19.49% |
$87 |
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ANZ Rewards Visa
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- Earn one point for every $1.50 spent on your credit card purchases*
- Earn unlimited reward bonus points at over 500 Bonus Partner outlets*
- Redeem points for cash back, travel, merchandise or gift vouchers
- Up to 44 days interest free credit on purchases
- Accepted at over 24 million locations worldwide
- ANZ Falcon™ provides advanced around the clock monitoring for suspicious transactions
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
20.74% |
$48* |
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ANZ Rewards Visa Gold
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- Earn one point for every $1.50 spent on your credit card purchases*
- Earn unlimited reward bonus points at over 500 Bonus Partner outlets*
- Redeem points for cash back, travel, merchandise or gift vouchers
- Earn points up to a maximum spend of $100,000 per card account per year*
- Up to 55 days interest free credit on purchases
- Minimum credit limit of $5,000
- Accepted at over 24 million locations worldwide
- Commission free traveller’s cheques when you purchase your traveller's cheques through an ANZ branch in Australia
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
20.74% |
$79* |
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ANZ First Visa
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| Online Shopping Protection |
- Low 7.99% p.a.* balance transfer rate
- Our online Guarantee means you won't be liable for unauthorised or fraudulent Internet purchases*
- Extended Warranty Insurance and 90-day Purchase Security Insurance*
- Up to 44 days interest free credit on purchases
- Design your own Card
- Low annual account fee of $30 discounted to $26 if linked to an ANZ Access Account
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
7.99% for 6 mo. |
19.49% |
$30* |
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ANZ Low Rate MasterCard
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- 0% p.a. balance transfer rate for the first six months*
- Low interest rate of 12.99% p.a.* on purchases and 20.99% p.a. on cash advances
- Up to 55 days interest free credit on purchases
- Design your own card
- Access to MasterCard cardholder services
- 60 second response to your application
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0%* for 6 mo. |
12.99% |
$58 |
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Aussie MasterCard
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- 0% p.a. interest rate on balance transfers for the first 6 months* (limited offer)
- Up to 55 days interest free credit on purchases
- A low rate of 11.99% p.a. on purchases*
- Get an online response in 60 seconds
- Shop safely online with MasterCard Securecode™
- You don't need to be an Aussie customer to apply
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0% for 6 mo. |
11.99% |
$49 |
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Citibank ReadyCredit
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- 2.9% p.a. for 6 months* on any purchases, balances you transfer and cash advances
- Line of credit from $5,000 to $25,000
- CreditShield® Plus insurance
- No transaction, ATM/EFTPOS or cash advance fees
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| 2.9% for 6 mo. |
2.9% for 6 mo. |
17.75%* |
None |
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BP-Citibank MasterCard®
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| A credit card that gives you automatic savings on everything you buy anywhere |
- With the BP-Citibank MasterCard the money you save is simply credited to your account
- Save at BP - 5% off your petrol and everything else you buy at BP*
- Save everywhere else -1% off everything else you buy anywhere*
- 2.9% p.a.* on balance transfers for 12 months
Click through for full product terms and conditions
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
2.9% for 12 mo. |
19.89% |
$79 |
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Commonwealth Bank Credit Cards
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Commonwealth Bank Awards Card
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- Earn one reward point for every dollar that you spend
- Commonwealth Awards program - rewards program offering everything from cash back to DJs vouchers to blenders to magazine subscriptions to travel with over 400 different airlines around the world
- 20.74% p.a. on purchases and cash advances
- Up to 55 days interest free
- Balance transfer rate 5.99% p.a. for 5 months
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
5.99% for 5 mo. |
20.74% |
$59 |
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Commonwealth Bank Gold Card
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- Earn one reward point for every dollar you spend
- Commonwealth Awards program + special Gold offers
- 20.74% p.a. on purchases and cash advances
- Up to 55 days interest free
- Balance transfer rate 5.99% p.a. for 5 months
- Free international travel insurance (for trips of up to 3 months)
- Free transit accident insurance
- Commission-free travellers cheques
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
5.99% for 5 mo. |
20.74% |
$114 |
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Commonwealth Bank Low Fee Card
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- 19.64% p.a. on purchases
- Up to 55 days interest free
- Balance transfer rate 5.99% p.a. for 5 months
- Free additional cardholder
- Online security guarantee
- Issued with chip for extra security
- $24 annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
5.99% for 5 mo. |
19.64% |
$24 |
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Commonwealth Bank Low Rate Card
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- Low interest rate of just 13.24% p.a. on purchases
- Even lower balance transfer rate of 5.99% p.a. for 5 months
- Up to 55 days interest free on all purchases
- Free additional card for a family member or friend
- Online security guarantee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
5.99% for 5 mo. |
13.24% |
$48 |
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Commonwealth Bank Platinum Card
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- Earn one reward point for every dollar you spend
- Commonwealth Awards program + special Platinum offers
& bonus points
- Exclusive Platinum concierge service – just one phone call away
- 20.74% p.a. on purchases and cash advances
- Up to 55 days interest free
- Balance transfer rate 5.99% p.a. for 5 months
- Free international travel insurance (for trips of up to 12 months)
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
5.99% for 5 mo. |
20.74% |
$200 |
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St.George Bank Credit Cards
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St.George Vertigo Master Card
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- 0% p.a. balance transfer rate for up to 6 months**
- A low rate on purchases of 11.89% p.a*
- Up to 55 interest free days on purchases*
- Low $45 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
- “Winner of Money Magazine’s Best of the Best Award for Cheapest Credit Card”
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
0%* for 6 mo. |
11.89% |
$45 |
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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 14.25% p.a. purchase rate*
- Up to 55 interest free days on purchases*
- A full range of complimentary insurances*** including:
- Domestic flight inconvenience 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
- Exclusive Platinum card programs offered by Visa and MasterCard
- Instant discounts and added extras with St.George Instant Benefits
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
3.99% for 6 mo. |
14.25% |
$89 |
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St.George Starts Low Stays Low Credit Card
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- One low 12.99% p.a. rate for purchases and cash advances*
- Up to 55 interest free days on purchases*
- $59 annual fee
- 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
- Instant discounts and added extras with St.George Instant Benefits
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
12.99% |
$59 |
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St.George Gold Low Rate Credit Card
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- A low Gold card rate of 14.25% p.a. for purchases*
- Higher credit limits – starting from $5,000
- Up to 55 interest free days on purchases*
- Complimentary Shopping and Travel Insurances** including:
* Overseas Travel
* Transit Accident
* Extended Warranty
* Purchase Cover
- Up to 3 free 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
- Instant discounts and added extras with St.George Instant Benefits
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
14.25% |
$79 |
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St.George No Annual Fee Credit Card
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- No annual fee
- 18.75% p.a. on purchase and cash advances*
- Up to 3 additional cards for friends or family
- 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
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
| None |
None |
18.75% |
None |
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U.S. Credit Cards
Canadian Cards
U.K. Credit Cards
Belgian Cards