Skip to content
State · AU-NSW

Credit cards in New South Wales

Every card we hold for Australia, with issuers our New South Wales research names listed first. We do not yet hold region limits for cards in Australia, so some cards here may restrict who can apply — a credit union's membership rules, for example. The issuer's own page is the place to check.

*we hold no sourced notes specific to New South Wales yet, so this page lists cards only.

220
cards in the Australia catalogue
10
regional issuers with branches here
10 regional networks

Card issuers with branches in New South Wales

Where these issuers have branches, as the regulator's register lists them, with the date we read it. A branch here is not a limit on who may apply — many of these cards are open nationwide — and having no branch here does not rule a card out. The issuer's own page says who can apply. "Regional" means at least 90% of the issuer's branches are in at most 2 states and territories, this one among them.

Regional network

Regional Australia Bank

37 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 37 branches of "Regional Australia Bank Ltd" in New South Wales, out of 37 branches in 1 state or territory.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Regional Australia Bank · 1 on file

Regional network

P&N Bank

13 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 13 branches of "Police & Nurses Limited" in New South Wales, out of 25 branches in 2 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

P&N Bank · 2 on file

P&N BankVisa

Visa Platinum Credit Card

Visa card issued by P&N Bank.

Low Interest
Annual feeA$99per year
Top earn rateNot published by P&N Bank
Regional network

Horizon Bank

10 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 10 branches of "Horizon Credit Union Ltd" in New South Wales, out of 10 branches in 1 state or territory.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Horizon Bank · 1 on file

Regional network

Hume Bank

10 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 10 branches of "Hume Bank Limited" in New South Wales, out of 16 branches in 2 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Hume Bank · 3 on file

Regional network

Community First Bank

8 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 8 branches of "Community First Credit Union Limited" in New South Wales, out of 8 branches in 1 state or territory.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Community First Bank · 3 on file

Regional network

Coastline Credit Union

5 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 5 branches of "Coastline Credit Union Limited" in New South Wales, out of 5 branches in 1 state or territory.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Coastline Credit Union · 3 on file

Regional network

South West Slopes Credit Union

4 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 4 branches of "South West Slopes Credit Union Ltd" in New South Wales, out of 4 branches in 1 state or territory.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

South West Slopes Credit Union · 1 on file

South West Slopes Credit UnionVisa

SWSbank Visa Classic Credit Card

Visa card issued by South West Slopes Credit Union.

Low InterestRewards
Annual feeA$30per year
Top earn rateNot published by South West Slopes Credit Union
Regional network

Northern Inland Credit Union

3 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 3 branches of "Northern Inland Credit Union Limited" in New South Wales, out of 3 branches in 1 state or territory.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Northern Inland Credit Union · 1 on file

Regional network

First Option Bank

1 branch in New South Wales

APRA's points-of-presence statistics (2026-06) lists 1 branches of "First Option Bank Ltd" in New South Wales, out of 2 branches in 2 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

First Option Bank · 1 on file

Regional network

Woolworths Team Bank

1 branch in New South Wales

APRA's points-of-presence statistics (2026-06) lists 1 branches of "Woolworths Team Bank Limited" in New South Wales, out of 2 branches in 2 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Woolworths Team Bank · 1 on file

Wider network

National Australia Bank (NAB)

130 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 130 branches of "National Australia Bank Limited" in New South Wales, out of 413 branches in 8 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

National Australia Bank (NAB) · 12 on file

Wider network

ANZ

71 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 71 branches of "Australia and New Zealand Banking Group Limited" in New South Wales, out of 284 branches in 8 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

ANZ · 11 on file

ANZVisa

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 feeA$300per year
Top earn rateNot confirmed · check with ANZ
Wider network

Bendigo and Adelaide Bank

58 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 58 branches of "Bendigo and Adelaide Bank Limited" in New South Wales, out of 407 branches in 8 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Bendigo and Adelaide Bank · 6 on file

Bendigo and Adelaide BankMastercard

Bendigo Business Credit Card

Mastercard issued by Bendigo and Adelaide Bank.

Business
Annual feeA$4/monthA$48/yr
Top earn rateNot published by Bendigo and Adelaide Bank
Wider network

Beyond Bank Australia

20 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 20 branches of "Beyond Bank Australia Limited" in New South Wales, out of 51 branches in 5 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Beyond Bank Australia · 1 on file

Wider network

Bank of Queensland (BOQ)

9 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 9 branches of "Bank of Queensland Limited" in New South Wales, out of 97 branches in 8 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Bank of Queensland (BOQ) · 4 on file

Wider network

Great Southern Bank

9 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 9 branches of "Credit Union Australia Ltd" in New South Wales, out of 26 branches in 4 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Great Southern Bank · 2 on file

Wider network

Defence Bank

8 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 8 branches of "Defence Bank Limited" in New South Wales, out of 25 branches in 7 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Defence Bank · 1 on file

Wider network

HSBC Australia

8 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 8 branches of "HSBC Bank Australia Limited" in New South Wales, out of 20 branches in 5 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

HSBC Australia · 2 on file

Wider network

Australian Military Bank

6 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 6 branches of "Australian Military Bank Ltd" in New South Wales, out of 18 branches in 7 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Australian Military Bank · 1 on file

Wider network

Bank of China

6 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 6 branches of "Bank of China Limited" in New South Wales, out of 14 branches in 5 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Wider network

Bank Australia

3 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 3 branches of "Bank Australia Limited" in New South Wales, out of 14 branches in 4 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

Bank Australia · 3 on file

Wider network

People First Bank

2 branches in New South Wales

APRA's points-of-presence statistics (2026-06) lists 2 branches of "Heritage and People's Choice Limited" in New South Wales, out of 50 branches in 4 states and territories.

Source: APRA points of presence (apra.gov.au) · read 20 Oct 2026

People First Bank · 1 on file

The ledger

Other cards in Australia

Showing 24 of 155

Listed fullest record first — fee, earn rate, welcome offer and annual-fee check on file — not by merit. A blank on a tile is a figure we do not hold.

Bank of MelbourneVisa

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 feeA$175per year
Top earn rateNot confirmed · check with Bank of Melbourne
St.George BankVisa

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 feeA$175per year
Top earn rateNot confirmed · check with St.George Bank
BankSAVisa

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 feeA$175per year
Top earn rateNot confirmed · check with BankSA
BankSAVisa

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 feeA$295per year
Top earn rateNot confirmed · check with BankSA
St.George BankVisa

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 feeA$295per year
Top earn rateNot confirmed · check with St.George Bank
Bank of MelbourneVisa

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 feeA$295per year
Top earn rateNot confirmed · check with Bank of Melbourne
BankSAVisa

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)**.

PointsPremium
Annual feeA$175per year
Top earn rateNot confirmed · check with BankSA
Bank of MelbourneVisa

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)**.

PointsPremium
Annual feeA$175per year
Top earn rateNot confirmed · check with Bank of Melbourne
St.George BankVisa

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)**.

PointsPremium
Annual feeA$175per year
Top earn rateNot confirmed · check with St.George Bank
WestpacMastercard

Westpac Altitude Rewards Black

Get up to 200,000 bonus Altitude Rewards Points[#] — 100,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases[#] within 12 months of new card approval and an extra 100,000 points with $12k+ spend on eligible purchases[#] in year 2.

PointsPremium
Annual feeA$295per year
Top earn rateNot confirmed · check with Westpac
Bank of usVisa

Bank of us Visa Credit Card

Visa card issued by Bank of us.

Low Interest
Annual feeA$39per year
Top earn rateNot published by Bank of us

The full Australia catalogue →

Questions

New South Wales: the short answers

Which card issuers have branches in New South Wales?

Regional issuers in our catalogue with branches in New South Wales, with their branch count: Regional Australia Bank (37), P&N Bank (13), Horizon Bank (10), Hume Bank (10), Community First Bank (8), Coastline Credit Union (5), South West Slopes Credit Union (4), Northern Inland Credit Union (3), and 2 more. A branch is where an issuer is, not a limit on who may apply; each issuer's own page says who can. (Source: APRA points of presence.)