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Australian Credit Cards and Lines of Credit
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Australian Online Credit Card Applications
Welcome to the Australian credit cards online at CreditCardGuide.com. Here you can choose from a variety of top credit cards in different categories. Browse the categories listed below to find the credit card or line of credit that best fits your needs.
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0% p.a. and Low Rate Balance Transfer Credit Cards and Lines of Credit
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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 11.74% 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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St.George Vertigo Master Card
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- A low rate on purchases of 11.24% 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. |
11.24% p.a. |
$55 |
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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. |
17.74% p.a. |
$87 |
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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. |
17.74% p.a. |
$30* |
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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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St.George Platinum Credit Card
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- 3.99% p.a balance transfer rate for up to 6 months***
- Low Platinum 14.49% 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. |
14.49% p.a. |
$89 |
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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 11.99% 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. |
11.99% p.a. |
$58 |
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Citibank Clear Card
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- 12.49% p.a. interest rate ongoing for purchases.
- Modest $65 annual fee.
- 2.9% p.a balance transfer for 6 months
- Access to your account anywhere, anytime via Internet and phone banking.
- Up to 55 days interest free on retail purchases.
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 6 mo. |
12.49% p.a. |
$65 |
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Citibank Platinum Card
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- Credit limits of up to $100000
- Enjoy a permanent 4.9% balance transfer offer - bundle your other credit card balances and transfer them to your Citibank Platinum, and you have all the time you need to repay off the balance in whole. Enjoy a low 4.9% p.a. until you have paid off the entire balance.
- A 24/7 Personal Concierge Service - Any assistance, information or service you need will be available to you any time, and place.
- Free international travel insurance - Do you travel frequently? If so, everytime you purchase your tickets with Citibank Platinum, you’ll be covered on medical, unexpected expensives, trip cancellation, and personal loss/liability.
- Tired of stale reward programs on other credit cards? With a personalised and extensive Citibank Platinum Reward Range, you’ll enjoy the benefits of a rewards program more than ever.
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 Transfers |
19.99% p.a. |
$250 |
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Citibank Gold Card
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- 1.9% p.a. on balance transfers for 9 months
- 55 days interest free
- Complementary rewards program
- Complementary international travel insurance
- Complementary purchase cover insurance
- Access to Citibank World Privileges
- Generous credit limit of up to $25,000
- 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 |
2.9% p.a. for 12 mo. |
19.99% p.a. |
$119 |
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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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HSBC Gold Credit Card
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- $0 Annual fee in the first year
- Complimentary travel Insurance – this could save you hundreds of dollars
- Locking in 5 purchases a year (from $500 each) at either a lower interest rate of 10.99% p.a. for 120 days or up to 90 days interest free
- Up to 45 days interest-free period on standard purchases
- Enjoy a low introductory interest rate~ of 5.99% p.a. for 6 months when you transfer balances from other credit and store cards
- Terms and conditions apply.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
5.99% for 6 mo. |
21.25%* p.a. |
$89 |
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Commonwealth Bank Low Fee Credit Card
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- Special offer - No annual fee for Commonwealth Bank customers who take up new Low Fee credit card and spend $1000 or more per year
- Up to 55 days interest free
- 18.74% p.a. on purchases
Subject to terms and conditions |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
5.99% p.a. for 5 mo. |
18.74% p.a. |
$24 |
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Reward Points Credit Cards
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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 12.99% 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. |
12.99% p.a. |
$79 |
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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 |
18.24% p.a. |
$79* |
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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 |
18.24% p.a. |
$48* |
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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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Woolworths Everyday Money Credit Card
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- Apply by 30 November 2009 and get 5% cashback on Woolworths groceries and liquor for 3 months when purchased with an Everyday Money™ credit card.
- No matter where you shop, you'll earn up to 3 reward points for every dollar you spend with your Everyday Money™ Credit Card:
- 3 points for every dollar spent on Woolworths Select products, excluding online purchases.
- 2 points for every dollar spent on other products purchased at Woolworths Group Stores.
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- 1 point for every dollar spent on other purchases.
- Some exclusions apply.
Every 4 months, provided you have enough points, you'll automatically be sent a shopping card to spend in our range of Woolworths group stores shown below.
Pay for fuel at the pump using the epump™ facility, and get back on the road quicker.
$0 annual fee in the first year. Only $49 per year after that.
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 |
5.99% p.a. for 6 mo. |
17.99% p.a. |
$49 |
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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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American Express Gold Ascent Credit Card
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- $0 Annual Card Fee
- $2 spent = 1 Membership Rewards point
- 24/7 online account access with paperless statements
- Online fraud protection guarantee
- $0 Supplementary Card fee
- Up to 44 interest-free days
Subject to terms and conditions |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
19.99% p.a. |
$0 |
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American Express Platinum Card
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- Access to dedicated 24/7 Platinum Travel, Concierge & Card Services
- Complimentary enrolment in Membership Rewards Ascent Premium
- $1 spent = up to 1.5 Membership Rewards points
- Overseas and Domestic Travel Insurance
Subject to terms and conditions |
| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
None |
$900 |
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American Express Platinum MoneyBack Credit Card
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- 5% MoneyBack for the first 3 months
- 1% MoneyBack thereafter
- Unlimited MoneyBack
- Low annual Card fee of $99 p.a.
- Platinum Service provides 24 hours a day, 7 days a week support. You can call American Express about anything your Card does
- Platinum Protection credits your account if you're refused a refund on an unused eligible item, or if your purchase is damaged or stolen within 90 days of purchase
- Your MoneyBack rebate is calculated on each purchase and credited monthly
- Supplementary Cards at no additional cost
Subject to terms and conditions |
| Intro Purchase APR |
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APR |
Annual Fee |
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None |
None |
19.99% p.a. |
$99 |
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Blue Sky Credit Card from American Express®
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- Use your points for any leading airline, hotel, cruise, car rental or travel package
- Always know how many points you need
- Our world class customer service and benefits
- Subject to terms and conditions
- No annual Card fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
19.99% p.a. |
None |
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Qantas American Express Premium Card
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- Reduce body stress with two Qantas Club invitations after your first Card spend every year in Australia on selected Qantas products and services
- Advanced propulsion with 1.25 Qantas Frequent Flyer points for every dollar you spend, every day
- Earn 2.25 for every dollar you spend on your Card in Australia on selected Qantas products and services
- Travel insurance within Australia or abroad when you pay for eligible travel with your card
- 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 |
19.99% p.a. |
$249 |
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Commonwealth Bank Awards Credit Card
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- Get a brand new Commonwealth Bank American Express® Card
- And a new-look Commonwealth Bank MasterCard® Card
- With both cards linked to one account
- Be rewarded for your everyday spend
- Earn 1.5 Awards points for every $1 spent with a Commonwealth Bank American Express® Card
- Enjoy worldwide acceptance at over 29 million places with MasterCard®
- Up to 55 days interest free on purchases
- 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 |
5.99% p.a. for 5 mo. |
19.24% p.a. |
$59 |
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Commonwealth Bank Gold Credit Card
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- Get a brand new Commonwealth Bank American Express® Card
- And a new-look Commonwealth Bank MasterCard® Card
- With both cards linked to one account
- Earn 2 Awards points for every $1 spent with a Commonwealth Bank American Express® Card and enjoy acceptance at 29 million locations with MasterCard®
- Enjoy Complimentary international travel insurance for trips up to 3 months
- Up to 55 days interest free on purchases
- 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 |
5.99% p.a. for 5 mo. |
19.24% p.a. |
$114 |
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Commonwealth Bank Platinum Credit Card
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- Get a brand new Commonwealth Bank American Express® Card
- And a new-look Commonwealth Bank MasterCard® Card
- With both cards linked to one account
- Earn 3 Awards points for every $1 spent with a Commonwealth Bank American Express® Card and enjoy acceptance at 29 million locations with MasterCard®
- Access a Personal concierge service, 24/7
- Enjoy Complimentary international travel insurance for trips up to 12 months
- 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 |
5.99% p.a. for 5 mo. |
19.24% p.a. |
$200 |
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CUA Gold Rewards MasterCard
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- Transfer your balances from other credit cards and save with a special low interest rate of 3.9% p.a. for 12 months on balance transfers.
- Earn 1 Reward Point for every $1 spent on your card
- Superior Rewards Program at no additional cost
- Generous Credit Limits
- Low Annual Fee
- Complimentary International Travel Insurance on Gold
- Complimentary Purchase Cover
- 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 |
3.9% p.a. for 12 mo. |
17.99% p.a. |
$85 |
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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 18.24% p.a. on purchases and 19.24% 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 |
18.24% 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 18.24% p.a. on purchases and 19.24% 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 |
18.24% 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 18.24% p.a. on purchases and 19.24% 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 |
18.24% p.a. |
$95 |
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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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St. George Visa® Debit Card
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- Convenience and global acceptance of Visa debit at 24 million outlets
- Use Visa debit for Internet, phone and mail order purchases accessing your own money
- Saves you from carrying cash and travellers cheques in Australia and overseas
- Online guarantee with St.George secure
- Verified by Visa provides an online guarantee so you can shop with confidence
- Visa Preferred services gives you access to a range of additional benefits such as accommodation discounts, priority seating and ticketing on entertainment services
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
None |
None |
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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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American Express Business Accelerator Credit Card
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- 2 Membership Rewards™ points for every $1 spent
- 90-Day Money-Back Satisfaction Guarantee
- 12 Statements per Year That Meet ATO Requirements for GST Reporting
- Increase your Cash Flow, With up to 55 Interest Free Days
Subject to terms and conditions |
| Intro Purchase APR |
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APR |
Annual Fee |
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None |
None |
19.99% p.a. |
$160 |
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U.S. Credit Cards
Canadian Cards
U.K. Credit Cards
Belgian Cards
Norwegian Cards