Visa credit cards
Comparison of Visa credit card rates, fees, and features.
Comparing of 18 Visa credit cards
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
Cons
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
- Benefit from a 24-month 0% interest period on Balance Transfers, with a 1% balance transfer fee. Afterward, it switches to a cash advance rate of 21.99% p.a.
- Enjoy a low variable interest rate of 13.99% p.a. on purchases.
- The annual fee remains low at $55 p.a.
Pros
Cons
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
55 days
Annual fee
$295.00 p.a. ongoing
Highlights
- Receive up to 80,000 bonus Qantas Points upon spending $6,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- Earn 0.75 Qantas points per $1 spent on eligible transactions.
- Benefit from complimentary overseas travel insurance for up to 6 months.
Pros
Cons
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 newest credit card from NAB - simple, cheap and most of all no interest charges!
- No Use, No Pay. If you don't use your NAB StraightUp credit card during the whole statement period, the monthly fee will be reversed. No surprise charges!
- Use your card to pay foreign currency and enjoy no foreign transaction fees!
- Predictable fixed minimum payments based on your credit limit, giving you certainty of what to pay each month.
Pros
Cons
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
Cons
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
- Up to 150,000 Bonus Amplify Rewards Points earned upon spending $12,000 on eligible purchases within the first 12 months from card approval.
- Initial card fee of $199 for the first year ($295 p.a. thereafter).
- Comes with complimentary overseas travel insurance coverage for up to 6 months.
Pros
Cons
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
- Receive up to $500 cashback on your supermarket purchase or benefit from 0% interest for 24 months on Balance Transfers with a 1% balance transfer fee. Reverts to a cash advance rate of 21.99% p.a.
- Enjoy a low variable interest rate of 13.99% p.a. on purchases.
- 55 days interest-free on purchases.
Pros
Cons
Balance transfer
30 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 30 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
Cons
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
Cons
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
- Enjoy 0% for 24 months on Balance Transfers with a 1% balance transfer fee. Reverts to cash advance rate of 21.99% p.a.
- 13.99% p.a. low variable interest rate on purchases.
- Low annual fee of $55 p.a.
Pros
Cons
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Interest-free days
55 days
Annual fee
$0.00 p.a. ongoing
Highlights
- No annual fee requirement for the duration of card ownership.
- Experience up to 55 days interest-free on purchases.
- Benefit from a low minimum credit limit.
Pros
Cons
Balance transfer
N/A
Purchase rate
11.95% p.a. ongoing
Interest-free days
52 days
Annual fee
$45.00 p.a. ongoing
Highlights
- Get a low variable interest rate of 11.95% p.a. purchases.
- Includes 24-hour fraud monitoring.
- Enjoy up to 52 days interest-free days.
Pros
Cons
Balance transfer
N/A
Purchase rate
13.05% p.a. ongoing
Interest-free days
52 days
Annual fee
$89.00 p.a. ongoing
Highlights
- Get a low variable interest rate of 13.05% p.a. for purchases.
- Earn 0.66% cash back on every $1 spent on eligible transactions.
- Enjoy up to 52 days interest-free days.
Pros
Cons
Balance transfer
N/A
Purchase rate
20.74% p.a. ongoing
Interest-free days
55 days
Annual fee
$129.00 p.a. ongoing
Highlights
- Earn 150,000 bonus Q Rewards points when you spend $3,000 on eligible transactions in the first 90 days from approval.
- Enjoy 0% p.a. on balance transfers for 14 months with no balance transfer fee. Reverts to cash advance rate of 21.74% p.a. after the promotional period.
- Earn 2 Q Rewards points for every 1 dollar spent on eligible transactions.
Pros
Cons
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
- Get 8.99% p.a. for 6 months on purchases and balance. Reverts to 18.95% p.a. after the promotional period.
- Enjoy $0 p.a. annual fee.
- Comes with complimentary overseas travel insurance.
