Visa credit cards

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

By   |   Verified by David Boyd   |   Updated 1st September 2022

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Comparing Visa credit cards

NAB Low Rate Card

On NAB's website

Balance transfer

32 months at 0% p.a.

Purchase rate

12.99% 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

  • 0% p.a. on balance transfers for 32 months.
  • No balance transfer fee.
  • The waived annual fee for the first year.
  • Additional credit card is free.

Cons

  • No rewards program for this card.
  • No insurance coverage.
St.George Vertigo Visa

On St.George's website

Apply by 28 February 2023

St.George Vertigo Visa

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

  • 0% p.a. for 32 months on balance transfers with no balance transfer fee.
  • 13.99% p.a. low variable interest rate on purchases.
  • Low annual fee of $55 p.a.

Cons

  • Balance transfer rate reverts to 21.49% p.a. after 32 months.
  • There are no rewards program for this card.
St.George Amplify Signature Credit Card (Qantas)

On St.George's website

Offer extendedApply by 31 December 2022

St.George Amplify Signature Credit Card (Qantas)

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

  • The 90,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • There is a 1% balance transfer fee.
  • The ongoing annual fee is high at $279 p.a.
NAB StraightUp Credit Card

On NAB's website

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

  • 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 Card

On NAB's website

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

  • Earn up to 140,000 bonus Points when you meet the criteria.
  • The discounted $195 annual fee on the first year
  • 0% p.a. on balance transfers for 12 months.
  • Includes international travel insurance.

Cons

  • There is a 3% balance transfer fee.
St.George Amplify Signature Credit Card (Amplify)

On St.George's website

Apply by 31 December 2022

St.George Amplify Signature Credit Card (Amplify)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$139.00 for 1st year

Highlights

  • Earn up to 150,000 Bonus Amplify Rewards Points over 2 years when you spend $12,000 on eligible purchases each year. Plus, receive a birthday points bonus of 10% of the points earned in the last 12 months.
  • $139 card fee for the first year ($279 p.a thereafter).
  • 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

Pros

  • The 150,000 bonus Amplify Rewards Points.
  • Save $140 with the $139 card fee for the first year.
  • 0% p.a. for 24 months on balance transfers.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • After the initial year, the annual fee is $279 p.a.
  • There is a 1% balance transfer fee.
BankSA Vertigo Credit Card

Offer extendedApply by 31 December 2022

BankSA Vertigo Credit Card

Balance transfer

32 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Annual fee

$0.00 for 1st year

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.
  • $0 first-year annual card fee ($55 p.a. thereafter).

Pros

  • 0% p.a. for 32 months on balance transfers with no balance transfer fee.
  • 13.99% p.a. low variable interest rate on purchases.
  • $0 first-year annual card fee ($55 p.a. thereafter).

Cons

  • Balance transfer rate reverts to 21.49% p.a. after 32 months.
  • There are no rewards program for this card.
ANZ Low Rate

Balance transfer

30 months at 0% p.a.

Purchase rate

12.49% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • 0% p.a. for 30 months on balance transfers with 0% balance transfer fee. Reverts to 21.24% p.a.
  • 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

  • 0% p.a. on balance transfers up to 30 months with no balance transfer fee.
  • $0 annual fee for the first year ($58 p.a. thereafter).
  • Take advantage of the low purchase interest rate of 12.49% p.a.

Cons

  • No purchase or travel insurance included.
  • No rewards program.
NAB Qantas Rewards Card

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

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

  • The opportunity to get a cashback up to $240.
  • 0% p.a. on balance transfers for 12 months.
  • Apply for an additional cardholder at no extra cost.

Cons

  • There is a 3% balance transfer fee.
Bank of Melbourne Vertigo Visa

Apply by 28 February 2023

Bank of Melbourne Vertigo Visa

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

  • 0% p.a. for 32 months on balance transfers with no balance transfer fee.
  • 13.99% p.a. low variable interest rate on purchases.
  • Low annual fee of $55 p.a.

Cons

  • Balance transfer rate reverts to 21.49% p.a. after 32 months.
  • There are no rewards program for this card.
St.George No Annual Fee Credit Card

Apply by 31 December 2022

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

  • 0% interest on Purchases for 12 months.
  • $0 annual fee.
  • 55 days interest-free period.

Cons

  • No rewards program for this card.
bcu Classic Credit Card

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

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

Cons

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

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

  • 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

BOQ Platinum Visa Credit Card

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

  • Get up to 150,000 Q Rewards points when you meet the criteria.
  • 0% p.a. on balance transfers for 14 months with no balance transfer fee.
  • Get up to 4 additional cardholders at no extra cost.

Cons

  • The $129 p.a. annual fee.
BankVic Qantas Visa Credit Card

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

  • The $0 p.a. annual fee.
  • 6.99% p.a. on balance transfers for 6 months with no balance transfer fee.
  • Get up to 55 interest-free days on purchases.

Cons

  • There is no ongoing signup bonus promo for this card.
Bank of us Visa Credit Card

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

  • Low-interest rates.
  • The waived. annual fee when you meet the spend criteria.
  • 57 days interest-free on purchases.

Cons

  • There is no sign-up bonus for this card.
Bank Australia Low Rate Visa Credit Card

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

  • Low 9.39% p.a. interest rate on purchases.
  • Cash advances are also charged at the competitively low rate of 9.39% p.a.
  • Annual fee of $59 p.a.
  • Minimum credit limit of $1,000.

Cons

  • No interest-free days at all.
  • No balance transfer offer as of the moment.
Community First CU n0w Credit Card

Community First CU n0w Credit Card

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).

Pros

  • No interest on purchases or cash advances.
  • Low monthly fee starting from $9.
  • No annual fee or late payment fee.

Cons

  • Repayments aren't in fixed instalments like with Afterpay.
  • There's a $3 cash advance fee (but no interest).
  • The maximum credit limit isn't very high, but some will see the benefit in that.