Visa credit cards
Comparison of Visa credit card rates, fees, and features.
By Bill Ryan Natividad | Verified by David Boyd | Updated 2 Jan 2023
As seen on
Comparing Visa credit cards
Balance transfer
32 months at 0% p.a.
Purchase rate
12.49% p.a. ongoing
Annual fee
$0.00 for 1st year
Highlights
- Enjoy 0% p.a. on balance transfers for 32 months with no balance transfer fee. Reverts to variable cash advance rate of 21.74% p.a. after the promotional period.
- $0 first-year annual card fee ($59 p.a. thereafter).
- Get a response in 60 seconds.
Pros
Cons
On website
Balance transfer
32 months at 0% p.a.
Purchase rate
13.99% p.a. ongoing
Annual fee
$55.00 p.a. ongoing
Highlights
- Enjoy 0% for 32 months on Balance Transfers with a 0% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
- 13.99% p.a. low variable interest rate on purchases.
- Low annual fee of $55 p.a.
Pros
Cons
On website
Balance transfer
24 months at 0% p.a.
Purchase rate
19.49% p.a. ongoing
Annual fee
$279.00 p.a. ongoing
Highlights
- Earn up to 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- 0% p.a. for 24 months on balance transfers with 1% balance transfer fee on amounts transferred.
- Includes complimentary overseas travel insurance for up to 6 months
From 1 January 2022, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap.
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
NAB Rewards Signature Card
Balance transfer
12 months at 0% p.a.
Purchase rate
19.99% p.a. ongoing
Annual fee
$195.00 for 1st year
Highlights
- Earn up to 140,000 bonus Points. Receive 100,000 bonus points when you spend $3,000 in the first 60 days from account approval date and 40,000 bonus points when you keep your card open for over 12 months. Terms and conditions apply.
- $195 p.a reduced annual card fee for your first year (reverts to $295 p.a. thereafter).
- Earn 2.5 points on purchases made in major department and hardware stores.
- Earn 1.25 points for every $1 spent on everyday purchases.
Pros
Cons
On website
St.George Amplify Signature Credit Card (Amplify)
Balance transfer
24 months at 0% p.a.
Purchase rate
19.49% p.a. ongoing
Annual fee
$199.00 for 1st year
Highlights
- Earn up to 150,000 Bonus Amplify Rewards Points when you spend $12,000 on eligible purchases within the first 12 months from card approval.
- $199 card fee for the first year ($279 p.a thereafter).
- 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee on amounts transferred.
- Includes complimentary overseas travel insurance for up to 6 months
Pros
Cons
Balance transfer
32 months at 0% p.a.
Purchase rate
13.99% p.a. ongoing
Annual fee
$55.00 p.a. ongoing
Highlights
- Earn up to $400 cashback on your supermarket shop or enjoy 0% for 32 months on Balance Transfers with a 0% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
- 13.99% p.a. low variable interest rate on purchases.
- Up to 55 days interest-free on purchases.
Pros
Cons
Balance transfer
30 months at 0% p.a.
Purchase rate
12.49% p.a. ongoing
Annual fee
$0.00 for 1st year
Highlights
- Choose between these 2 introductory offers: 0% p.a. for 30 months on balance transfers with a 1% balance transfer fee (reverts to 21.24% p.a.), or get $250 cash back when you spend $1,500 in the first 3 months from approval. Terms and Conditions apply.
- No annual fee for the first year ($58 thereafter).
- Low 12.49% p.a. ongoing rate on purchases.
- Up to 55 days interest-free on purchases when you pay your account in full each month.
Pros
Cons
NAB Qantas Rewards Card
Balance transfer
6 months at 0% p.a.
Purchase rate
19.99% p.a. ongoing
Annual fee
$95.00 for 1st year
Highlights
- Earn Qantas Points on eligible everyday purchases.
- 6 months at 0% p.a. on balance transfers. (2% balance transfer fee applies). Reverts to cash advance rate.
- Free membership into the Qantas Frequent Flyer Program saving you $99.50.
NAB Low Fee Card
Balance transfer
12 months at 0% p.a.
Purchase rate
19.74% p.a. ongoing
Annual fee
$30.00 p.a. ongoing
Highlights
- Enjoy up to $240 credit back. Get $80 back per month for the first three months when you spend $500 per month.
- Low $30 p.a. ongoing annual fee.
- 12 months at 0% p.a. on balance transfers (3% balance transfer fee applies). Reverts to variable cash advance rate of 21.74% p.a.
Pros
Cons
Balance transfer
32 months at 0% p.a.
Purchase rate
13.99% p.a. ongoing
Annual fee
$55.00 p.a. ongoing
Highlights
- Enjoy 0% for 32 months on Balance Transfers with a 0% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
- 13.99% p.a. low variable interest rate on purchases.
- Low annual fee of $55 p.a.
Pros
Cons
St.George No Annual Fee Credit Card
Balance transfer
N/A
Purchase rate
12 months at 0% p.a.
Annual fee
$0.00 p.a. ongoing
Highlights
- Enjoy 0% interest on Purchases for 12 months. Reverts to 20.74% p.a. thereafter.
- $0 annual fee for as long as you have the card.
- Enjoy up to 55 days interest-free period.
Pros
Cons
bcu Classic Credit Card
Balance transfer
N/A
Purchase rate
11.8% p.a. ongoing
Annual fee
$45.00 p.a. ongoing
Highlights
- Get a low variable interest rate of 11.8% p.a. purchases.
- Includes 24-hour fraud monitoring.
- Enjoy up to 55 days interest-free days.
Pros
Cons
bcu Rewards credit card
Balance transfer
N/A
Purchase rate
12.8% p.a. ongoing
Annual fee
$89.00 p.a. ongoing
Highlights
- Get a low variable interest rate of 12.8% p.a. purchases.
- Earn 0.66% cash back on every $1 spent on eligible transactions.
- Enjoy up to 55 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
BankVic Qantas Visa Credit Card
Balance transfer
6 months at 6.99% p.a.
Purchase rate
16.95% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
Highlights
- Enjoy $0 p.a. annual fee.
- 6.99% p.a. on balance transfers for 6 months with no balance transfer fee. Reverts to purchase rate of 16.95% p.a. after the promotional period.
- Comes with complimentary overseas travel insurance.
Pros
Cons
Bank of us Visa Credit Card
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 (usually $39 p.a.)
- Enjoy up to 57 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).
