Visa credit cards

Comparison of Visa credit card rates, fees, and features.

Bill Ryan Natividad avatar
Written by   |  
David Boyd avatar
Verified by
Updated 13 Mar 2025   |   Rates updated regularly

Comparing of 18 Visa credit cards

NAB Low Rate Card (Cashback Offer)

Not available for application via this website

Balance transfer

N/A

Purchase rate

13.49% p.a. ongoing

Interest-free days

55 days

Annual fee

$59.00 p.a. ongoing

Highlights

  • Receive $300 cashback when you spend $1,500 on purchases within 90 days from account opening.
  • With a low annual fee of $59, this card helps keep your costs manageable.
  • Apply online in minutes and get a response in 60 seconds.

Pros

  • Earn a $300 cashback when you meet the criteria
  • The card has a variable purchase rate of 13.49% p.a.
  • Add a cardholder at no extra cost.
  • The credit limit starts at $1,000, making it a good option for those seeking a manageable starting limit.
  • Unlock exclusive offers on shows, events, and movies with your Visa Credit Card.
  • Includes Fraud protection.
  • Compatible with Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay.

Cons

  • This card doesn’t have a rewards program, but it may suit those who prefer a straightforward, no-frills option.
  • There is no complimentary insurance, which is typical for a low-rate credit card, but it could still be a good option if you're looking for a low-cost choice.
St.George Vertigo Visa Credit Card

Not available for application via this website

Balance transfer

24 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$55.00 p.a. ongoing

Highlights

  • Get a 0% interest rate on balance transfers for 24 months with a 1% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • Start with a credit limit as low as $500, helping you keep your spending in check.
  • Add 1 additional cardholder at no extra cost.

Pros

  • Get a limited edition exclusive rainbow design card.
  • A 13.99% p.a. variable rate keeps interest costs lower on purchases.
  • Low annual fee of $55 p.a.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Note that the balance transfer rate reverts to 21.99% p.a. after 24 months.
  • The 1% balance transfer fee is low but it can add up with large transfers
  • No rewards program which is typical for a basic card.
St.George Amplify Signature Credit Card (Qantas)

Not available for application via this website

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$295.00 p.a. ongoing

Highlights

  • Earn 80,000 bonus Qantas points when you spend at least $6,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases with Qantas Frequent Flyer partners—once with your card and once with the airline partner.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros

  • Earn 80,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Includes fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.
NAB StraightUp Credit Card

Not available for application via this website

Balance transfer

N/A

Purchase rate

0% p.a. ongoing

Interest-free days

N/A

Annual fee

$0.00 p.a. ongoing

Highlights

  • Get the latest credit card from NAB - straightforward, affordable, and above all, interest-free!
  • No Use, No Pay. Should your NAB StraightUp credit card remain unused throughout the entire statement period, the monthly fee will be reimbursed. No unexpected charges!
  • Use your card for foreign currency transactions and get zero foreign transaction fees!
  • Consistent fixed minimum payments determined by your credit limit, providing you with assurance of monthly payment amounts.

Pros

  • Charges a monthly fee based on your selected credit limit.
  • The monthly fee will be reversed if you do not have any outstanding balance or purchase.
  • No interest charges or other fees, including foreign currency fees and late payment fees.

Cons

  • No rewards program for this card.
  • No balance transfers or cash advances.
NAB Rewards Signature Credit Card

Not available for application via this website

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$288.00 p.a. ongoing

Highlights

  • Earn 3 NAB Reward Points on all purchases made online with Webjet.
  • Earn 1.5 NAB Reward Points on every $1 spend on eligible purchases.
  • No cap on the number of points you can earn, although the earn rate reduces to 0.5 points on spend above $15,000 in a statement period.
  • No foreign transaction fees on purchases or when shopping from overseas online stores.

Pros

  • Transfer points from NAB Rewards to Flybuys, Velocity Frequent Flyer, KrisFlyer, Asia Miles, Airpoints, or Accor Live Limitless.
  • Points can be redeemed for cashback, gift cards, and travel with Webjet.
  • Use points to shop the NAB Rewards Store.
  • Mobile insurance covering accidental damage and theft.
  • International and domestic travel insurance.
  • Access to select airport lounges if your flight is delayed by 60 minutes or more.
  • Comes with Purchase Protection and Extended Warranty insurance for added peace of mind.
  • 0% p.a. on balance transfers for 12 months.
  • Credit limits start from $15,000, which is more than enough for most.
  • Free additional cardholder, meaning you can put more spend through the card.
  • 24/7 access to the NAB Concierge Service for reservations and assistance.

Cons

  • There is a 3% balance transfer fee, which can be added to the balance.
  • Instead of an annual fee, there is a monthly fee, which is waived if you spend more than $5,000 in the statement period.
  • Up to 44 interest-free days when you pay the statement in full, which is on the low side.
  • Qantas Frequent Flyer is not a transfer partner.
  • Purchase rates are on the high side, if you carry a balance.
St.George Amplify Signature Credit Card (Amplify)

Not available for application via this website

Apply by 30 April 2025

St.George Amplify Signature Credit Card (Amplify)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$199.00 for 1st year

Highlights

  • Earn 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
BankSA Vertigo Credit Card

Not available for application via this website

Apply by 30 April 2025

BankSA Vertigo Credit Card

Balance transfer

24 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$55.00 p.a. ongoing

Highlights

  • Get a 0% interest rate on balance transfers for 24 months with a 1% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • Start with a credit limit as low as $500, helping you keep your spending in check.
  • Add 1 additional cardholder at no extra cost.

Pros

  • A 13.99% p.a. variable rate keeps interest costs lower on purchases.
  • Low annual fee of $55 p.a.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Note that the balance transfer rate reverts to 21.99% p.a. after 24 months.
  • The 1% balance transfer fee is low but it can add up with large transfers
  • No rewards program which is typical for a basic card.
ANZ Low Rate Credit Card

Not available for application via this website

Balance transfer

26 months at 0% p.a.

Purchase rate

13.74% p.a. ongoing

Interest-free days

55 days

Annual fee

$0.00 for 1st year

Highlights

  • 0% p.a. for 26 months on balance transfers with a 3% balance transfer fee (then reverts to 21.99% p.a.) Terms and Conditions apply.
  • The first-year annual fee is waived, saving you $58 upfront
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.

Pros

  • Long 0% balance transfer period to tackle existing debt.
  • Get a continuous low rate of 13.74% p.a. on purchases.
  • You can add up to 3 additional cardholders at no extra cost.
  • Offers 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit is $1,000, helping you keep your spending in check
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Cons

  • There is a 3% BT fee.
  • No rewards program, which is expected for a low-rate card focused on affordability
  • No purchase or travel insurance is included.

NAB Low Fee Credit Card

Not available for application via this website

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$30.00 p.a. ongoing

Highlights

  • Receive $200 cashback when you spend $1,500 on purchases within 90 days from account opening.
  • Get 0% p.a. on balance transfers for 12 months with a 3% fee, reverting to a 21.74% p.a. cash advance rate—a useful option for consolidating debt.
  • A low $30 annual fee makes it affordable for budget-conscious cardholders.

Pros

  • Earn a $200 cashback when you meet the criteria.
  • Apply online in minutes and get a response in 60 seconds.
  • Get an additional cardholder at no extra cost.
  • The credit limit starts at $1,000, making it a good option for those seeking a manageable starting limit
  • The Complimentary Purchase Protection Insurance allows you to shop with confidence.
  • Unlock exclusive offers on shows, events, and movies with your Visa Credit Card.
  • Includes Fraud protection.
  • Compatible with Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay.

Cons

  • As a low-fee credit card, it doesn't earn rewards.
  • Ongoing interest on purchases and cash advances is not low.
  • There’s a 3% balance transfer fee and shorter BT periods compared to other cards.
Bank of Melbourne Vertigo Visa Credit Card

Not available for application via this website

Balance transfer

24 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$55.00 p.a. ongoing

Highlights

  • Get a 0% interest rate on balance transfers for 24 months with a 1% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • Start with a credit limit as low as $500, helping you keep your spending in check.
  • Add 1 additional cardholder at no extra cost.

Pros

  • A 13.99% p.a. variable rate keeps interest costs lower on purchases.
  • Low annual fee of $55 p.a.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Note that the balance transfer rate reverts to 21.99% p.a. after 24 months.
  • The 1% balance transfer fee is low but it can add up with large transfers
  • No rewards program which is typical for a basic card.
St.George No Annual Fee Credit Card

Not available for application via this website

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Interest-free days

55 days

Annual fee

$0.00 p.a. ongoing

Highlights

  • A basic credit card with no annual fee—ever.
  • Start with a credit limit as low as $500, helping you keep your spending in check.
  • You can add up to three additional cardholders at no extra cost, making it a convenient option for sharing account benefits.

Pros

  • Get up to 55 interest-free days on purchases.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • This card does not include a rewards program, which is consistent with its positioning as a straightforward, no-frills option.
  • Ongoing rates are not low.
  • A 3% overseas transaction fee applies to international purchases
bcu Classic Credit Card

Not available for application via this website

Balance transfer

N/A

Purchase rate

11.95% p.a. ongoing

Interest-free days

52 days

Annual fee

$45.00 p.a. ongoing

Highlights

  • Acquire a low variable interest rate of 11.95% p.a. on purchases.
  • Receive 24-hour fraud monitoring as part of the package.
  • Take advantage of up to 52 interest-free days.

Pros

  • Competitive interest rate on purchases.
  • Supports Visa payWave.
  • Low minimum credit limit of $500.
  • Get up to $20,000 credit limit.

Cons

  • There is no rewards program for this card.
bcu Rewards Credit Card

Not available for application via this website

Balance transfer

N/A

Purchase rate

13.05% p.a. ongoing

Interest-free days

52 days

Annual fee

$89.00 p.a. ongoing

Highlights

  • Acquire a low variable interest rate of 13.05% p.a. for purchases.
  • Receive 0.66% cash back on every $1 spent on eligible transactions.
  • Take advantage of up to 52 interest-free days.

Pros

  • Competitive interest rate on purchases.
  • Earn cash back on eligible transactions.
  • Has 24-hour fraud monitoring and supports Visa payWave.

Cons

  • There is no sign-up bonus offer for this card right now.
BOQ Platinum Visa Credit Card

Not available for application via this website

Balance transfer

12 months at 0% p.a.

Purchase rate

20.99% p.a. ongoing

Interest-free days

44 days

Annual fee

$75.00 for 1st year

Highlights

A hidden gem of a platinum card if you’re after rewards and perks. Spend $4,500 within 3 months and earn 100,000 Q Rewards points—which can be converted to Velocity or Flybuys points. Earn 2 Q Rewards points per $1 on eligible purchases, plus extras you'd expect with a platinum card, like purchase protection and travel insurance. Balance transfers get a 0% p.a. rate for 12 months (1% fee applies), reverting to 21.99% p.a. after that.


Pros

  • Get up to 100,000 Q Rewards points which can be used to redeem eVouchers or cashback, or converted to Velocity or Flybuys points.
  • Earn up to 2 Q Rewards Points for every $1 spent on eligible transactions.
  • 0% p.a. on balance transfers for 12 months with a 1% balance transfer fee.
  • Discounted annual fee of $75 for the first year.
  • Get up to 4 additional cardholders at no extra cost.

Cons

  • The $149 p.a. annual fee after the initial year.
  • There is a 1% balance transfer fee.
BankVic Qantas Visa Credit Card

Not available for application via this website

Balance transfer

6 months at 8.99% p.a.

Purchase rate

6 months at 8.99% p.a.

Interest-free days

55 days

Annual fee

$0.00 p.a. ongoing

Highlights

  • 8.99% p.a. for 6 months on purchases and balance. Reverts to 18.95% p.a. after the promotional period.
  • $0 annual fee.
  • Comes with complimentary Qantas Frequent Flyer membership.
  • Includes complimentary overseas travel insurance.

Pros

  • Take advantage of the promotional rate on purchases and balance transfers.
  • No BT fee.
  • No annual fee ever.
  • Get an additional cardholder at no extra cost.
  • Earn 1 point for every $2 spent on eligible transactions.
  • Earn 1 point for $1 spent on Qantas flights.
  • Uncapped Qantas Points whenever you spend.
  • A low 2% currency conversion fee for international transactions.
  • Up to 55 interest-free days on purchases.
  • Credit limit range of $5,000 - $30,000.

Cons

  • There is no ongoing signup bonus promo for this card.
  • Exclusive to TPAV and VAU members only.

    As seen on

    Media - The Sydney Morning Herald
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    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
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