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★ THE HONEST NUMBER ON EVERY CARD222 CARDS TRACKEDNO BIAS · NO SIGNUP
File Nº 01 — Australia Cards

The honest number on every Australia credit card.

Every card we hold for Australia — fee, network, and welcome offer, with no marketing copy and no pay-to-rank. Where a figure has never been recorded, we leave it blank rather than guess it.

*figures come from issuers’ own terms and regulators’ published documents. Each card's review page marks which of its figures a document states — and marks the rest Not yet checked, or Not published where we checked, or Issuer restricts access.

222
Australia cards tracked
20
categories filed
Browse by issuer

Every bank and lender we list

Each issuer's page lists the cards it offers today, with the figures we have confirmed against its own terms.

The ledger

All credit cards in Australia

Showing 48 of 222
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Filtering on fee uses the figure on record. A card with no fee on record shows a blank on its tile, not a price.
BankSA№ 1

Amplify Business

Visa card issued by BankSA.

BusinessRewards
Annual feeA$89per year
Top earn rateNot confirmed
St.George Bank№ 2

Amplify Business

Visa card issued by St.George Bank.

BusinessRewards
Annual feeA$89per year
Top earn rateNot confirmed
Bank of Melbourne№ 3

Amplify Business

Visa card issued by Bank of Melbourne.

BusinessRewards
Annual feeA$89per year
Top earn rateNot confirmed
Bank of Melbourne№ 4

Amplify Qantas Platinum

Earn up to 100,000 bonus Qantas Points~ — 70,000 Qantas Points in year 1 if you spend $4k+ on eligible purchases† within 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchases† within 90 days of card anniversary in year 2. New cards only.

AirlinePoints
Annual feeNot confirmed
Top earn rateNot confirmed
St.George Bank№ 5

Amplify Qantas Platinum

Earn up to 100,000 bonus Qantas Points~ — 70,000 Qantas Points in year 1 if you spend $4k+ on eligible purchases† within 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchases† within 90 days of card anniversary in year 2. New cards only.

AirlinePoints
Annual feeNot confirmed
Top earn rateNot confirmed
BankSA№ 6

Amplify Qantas Platinum

Earn up to 100,000 bonus Qantas Points~ — 70,000 Qantas Points in year 1 if you spend $4k+ on eligible purchases† within 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchases† within 90 days of card anniversary in year 2. New cards only.

AirlinePremium
Annual feeNot confirmed
Top earn rateNot confirmed
BankSA№ 7

Amplify Qantas Signature

Earn up to 150,000 bonus Qantas Points> — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases† within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases† within 90 days of card anniversary in year 2.

AirlineLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
St.George Bank№ 8

Amplify Qantas Signature

Earn up to 150,000 bonus Qantas Points> — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases† within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases† within 90 days of card anniversary in year 2.

AirlineLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Melbourne№ 9

Amplify Qantas Signature

Earn up to 150,000 bonus Qantas Points> — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases† within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases† within 90 days of card anniversary in year 2.

AirlineLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
BankSA№ 10

Amplify Rewards Platinum

Earn up to 100,000 bonus Amplify Points* — 75,000 Amplify Points in year 1 if you spend $3k+ on eligible purchases† within 90 days of new card approval and an extra 25,000 points after your first eligible purchase in year 2. Plus, a $99 first year card fee (reverts to $175 p.a. thereafter)**.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Melbourne№ 11

Amplify Rewards Platinum

Earn up to 100,000 bonus Amplify Points* — 75,000 Amplify Points in year 1 if you spend $3k+ on eligible purchases† within 90 days of new card approval and an extra 25,000 points after your first eligible purchase in year 2. Plus, a $99 first year card fee (reverts to $175 p.a. thereafter)**.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
St.George Bank№ 12

Amplify Rewards Platinum

Earn up to 100,000 bonus Amplify Points* — 75,000 Amplify Points in year 1 if you spend $3k+ on eligible purchases† within 90 days of new card approval and an extra 25,000 points after your first eligible purchase in year 2. Plus, a $99 first year card fee (reverts to $175 p.a. thereafter)**.

PremiumRewards
Annual feeNot confirmed
Top earn rateNot confirmed
BankSA№ 13

Amplify Rewards Signature

Earn up to 200,000 bonus Amplify Points^ — 100,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases† and an extra 100,000 points with $12k+ spend on eligible purchases† in year 2. Plus, a reduced first year card fee of $199 (reverts to $295 p.a. thereafter)+ .

Lounge AccessPremium
Annual feeNot confirmed
Top earn rateNot confirmed
St.George Bank№ 14

Amplify Rewards Signature

Earn up to 200,000 bonus Amplify Points^ — 100,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases† and an extra 100,000 points with $12k+ spend on eligible purchases† in year 2. Plus, a reduced first year card fee of $199 (reverts to $295 p.a. thereafter)+ .

Lounge AccessPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Melbourne№ 15

Amplify Rewards Signature

Earn up to 200,000 bonus Amplify Points^ — 100,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases† and an extra 100,000 points with $12k+ spend on eligible purchases† in year 2. Plus, a reduced first year card fee of $199 (reverts to $295 p.a. thereafter)+ .

Lounge AccessPremium
Annual feeNot confirmed
Top earn rateNot confirmed
ANZ№ 17

ANZ Business Black

Visa card issued by ANZ.

BusinessPoints
Annual feeNot confirmed
Top earn rateNot confirmed
ANZ№ 18

ANZ Business Low Rate

Visa card issued by ANZ.

BusinessLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
ANZ№ 19

ANZ First

Visa card issued by ANZ.

Cash BackRewards
Annual feeNot confirmed
Top earn rateNot confirmed
ANZ№ 20

ANZ Frequent Flyer Black

Visa card issued by ANZ.

AirlinePoints
Annual feeNot confirmed
Top earn rateNot confirmed
ANZ№ 22

ANZ Low Rate

Visa card issued by ANZ.

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
ANZ№ 23

ANZ Platinum

Visa card issued by ANZ.

Cash BackPremium
Annual feeA$87per year · can be waived
Top earn rateNot confirmed
ANZ№ 24

ANZ Qantas Business Rewards

Earn 100,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months from approval of your new card. Plus earn an additional 50,000 bonus Qantas Points when you keep the card for over 15 months.

AirlineBusiness
Annual feeNot confirmed
Top earn rateNot confirmed
ANZ№ 25

ANZ Rewards Black

Visa card issued by ANZ.

PointsPremium
Annual feeNot confirmed
Top earn rateNot confirmed
ANZ№ 26

ANZ Rewards Platinum

Visa card issued by ANZ.

PointsPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Auswide Bank№ 29

Auswide Bank Low Rate Visa Credit Card

0% p.a. for the first 12 months

Low InterestRewards
Annual feeA$50Not yet checked with Auswide Bankper year
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 30

Awards Credit Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

PointsRewards
Annual feeA$8/monthA$96/yr
Top earn rateNot confirmed
Bank of us№ 35

Bank of us Visa Credit Card

Visa card issued by Bank of us.

Low Interest
Annual feeA$39per year
Top earn rateNot confirmed
Bankwest№ 42

Bankwest More World Mastercard

Mastercard issued by Bankwest.

Balance TransferLounge Access
Annual feeA$270per year
Top earn rateNot confirmed
bcu (Bank of Queensland Credit Union)№ 47

BCU Classic Credit Card

Visa card issued by bcu (Bank of Queensland Credit Union).

Low InterestRewards
Annual feeNot confirmed
Top earn rateNot confirmed
bcu (Bank of Queensland Credit Union)№ 48

BCU Rewards Credit Card

Visa card issued by bcu (Bank of Queensland Credit Union).

Cash BackRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Questions

Frequently asked

How many credit cards does PointsExplained track in Australia?

We currently track 222 credit cards in Australia, covering every major bank and issuer. Each card records the issuer's published fee, network, category, and welcome offer where we hold one.

What is the best credit card in Australia?

The best card depends on your spending. For travel, look for accelerated earn on travel and dining. For everyday value, a card with broad earn and no yearly cost is ideal. Use the category chips and filters above to narrow 222 cards to your wallet.

How do I compare credit cards on this page?

Filter by network (Visa, Mastercard, Amex) and annual fee, then open any card for the full review. To put two or three cards head to head, use the Compare tool, which lays them out side by side on a single ledger.

Why do some cards show a blank annual fee?

Because we hold no confirmed figure for it. Our fee column used to default to zero, and many cards still carry a zero that no check has confirmed — so a zero on its own cannot be told apart from a field nobody filled in, and printing “A$0” there would invent a price. A card shows a fee where a positive one is on record, or where a zero was confirmed against the issuer's terms; otherwise the slot reads “Not confirmed”, and the issuer's own page is the place to check before you apply.

How do I know which of a card's details have been checked?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.