Visa credit cards

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

By   |   Verified by David Boyd   |   Updated 2 Jan 2023

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Comparing Visa credit cards

NAB Low Rate Card

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

  • 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 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 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

  • 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

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

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 website

Apply by 30 June 2023

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

  • The 150,000 bonus Amplify Rewards Points.
  • Save $80 with the $199 card fee for the first year.
  • Enjoy 2 complimentary Priority Pass lounge visits each year when you enroll in Priority Pass.
  • Comes with concierge services.

Cons

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

Apply by 28 February 2023

BankSA Vertigo Credit Card

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

  • Get 10% cashback on your supermarket shop or 0% p.a. for 32 months on balance transfers with no balance transfer fee.
  • 13.99% p.a. low variable interest rate on purchases.
  • Up to 55 days interest-free on purchases.

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

  • 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

  • Enjoy 0% p.a. on balance transfers up to 30 months or earn $250 cash back.
  • $0 annual fee for the first year ($58 p.a. thereafter).
  • Take advantage of the low purchase interest rate of 12.49% p.a.
  • Add up to 3 additional cardholders at no extra cost.

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 30 June 2023

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

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

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.