Visa credit cards
Comparison of Visa credit card rates, fees, and features.
By Bill Ryan Natividad | Verified by David Boyd | Updated 5 Sep 2024
As seen on
Comparing Visa credit cards
Balance transfer
28 months at 0% p.a.
Purchase rate
13.49% p.a. ongoing
Annual fee
$0.00 for 1st year
Highlights
- Experience 0% p.a. on balance transfers for 28 months with a 2% balance transfer fee. Reverting to a variable cash advance rate of 21.74% p.a. after the promotional period.
- Initial $0 annual card fee for the first year ($59 p.a. thereafter).
- Receive a response within 60 seconds.
Pros
Cons
Balance transfer
28 months at 0.99% p.a.
Purchase rate
13.99% p.a. ongoing
Annual fee
$55.00 p.a. ongoing
Highlights
- Benefit from a 28-month 0.99% interest period on Balance Transfers, with no 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
On website
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
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
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
Annual fee
$145.00 for 1st year
Highlights
- Earn up to 160,000 bonus Points. Obtain 120,000 bonus points upon spending $3,000 within the initial 60 days from the account approval date and an additional 40,000 bonus points upon maintaining your card open for over 12 months. Terms and conditions apply.
- Benefit from a reduced annual card fee of $145 p.a. for your first year (reverts to $295 p.a. thereafter).
- Accrue 2.5 points on purchases made in major department and hardware stores.
- Gain 1.25 points for every $1 spent on everyday purchases.
Pros
Cons
St.George Amplify Signature Credit Card (Amplify)
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
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
28 months at 0.99% p.a.
Purchase rate
13.99% p.a. ongoing
Annual fee
$55.00 p.a. ongoing
Highlights
- Receive up to $500 cashback on your supermarket purchase or benefit from 0.99% interest for 28 months on Balance Transfers with no 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
28 months at 0% p.a.
Purchase rate
13.74% p.a. ongoing
Annual fee
$0.00 for 1st year
Highlights
- Enjoy 0% p.a. for 28 months on balance transfers with a 3% balance transfer fee (then reverts to 21.99% p.a.) Terms and Conditions apply.
- First-year annual fee waived ($58 subsequently).
- Continuous low rate of 13.74% p.a. on purchases.
- Enjoy up to 55 days interest-free on purchases by settling your account completely each month.
Pros
Cons
Balance transfer
12 months at 0% p.a.
Purchase rate
19.74% p.a. ongoing
Annual fee
$30.00 p.a. ongoing
Highlights
- Receive $200 cashback when you spend $1,500 on purchases within 90 days from account opening.
- Low $30 p.a. ongoing annual fee.
- 12 months at 0% p.a. on balance transfers (3% balance transfer fee applies). Reverting to the variable cash advance rate of 21.74% p.a.
Pros
Cons
Balance transfer
28 months at 0.99% p.a.
Purchase rate
13.99% p.a. ongoing
Annual fee
$55.00 p.a. ongoing
Highlights
- Enjoy 0.99% for 28 months on Balance Transfers with no 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
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
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
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
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.
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.
Pros
Cons
Balance transfer
N/A
Purchase rate
9.99% p.a. ongoing
Annual fee
$39.00 p.a. ongoing
Highlights
- Take advantage of the low-interest rate of 9.99% p.a. on purchases, cash advances, and balance transfers.
- $0 p.a. annual fee when you spend $8,000 every year instead of the usual $39 p.a.
- Enjoy up to 58 days interest-free on your purchases.
Pros
Cons
Balance transfer
N/A
Purchase rate
9.39% p.a. ongoing
Annual fee
$59.00 p.a. ongoing
Highlights
- Low 9.39% p.a. interest rate on purchases and cash advances.
- Annual fee of $59 p.a.
- Minimum credit limit of $1,000.
Pros
Cons
Balance transfer
N/A
Purchase rate
0% p.a. ongoing
Annual fee
N/A
Highlights
- No interest on purchases or cash advances (cash advance fee applies).
- Choice of three credit limits each with a different monthly fee.
- Minimum repayment of 2.5% of the closing balance of your statement or $20 (whichever is greater).
