Visa credit cards
Comparison of Visa credit card rates, fees, and features.
By Bill Ryan Natividad | Verified by David Boyd | Updated 1st September 2022
As seen on
Comparing Visa credit cards
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
Cons
On St.George's 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 St.George's 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
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
Cons
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
Cons
On St.George's 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
$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
Cons
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
Cons
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
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
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
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
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).
