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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.
Bendigo and Adelaide Bank№ 49

Bendigo Bright Credit Card

Mastercard issued by Bendigo and Adelaide Bank.

Low Interest
Annual feeA$59per year
Top earn rateNot confirmed
Bendigo and Adelaide Bank№ 50

Bendigo Business Credit Card

Mastercard issued by Bendigo and Adelaide Bank.

Business
Annual feeA$4/monthA$48/yr
Top earn rateNot confirmed
Bendigo and Adelaide Bank№ 52

Bendigo Qantas Business Credit Card

Mastercard issued by Bendigo and Adelaide Bank.

AirlineBusiness
Annual feeA$89per year
Top earn rateNot confirmed
Bendigo and Adelaide Bank№ 53

Bendigo Qantas Platinum Credit Card

Mastercard issued by Bendigo and Adelaide Bank.

AirlinePremium
Annual feeA$149per year
Top earn rateNot confirmed
Bendigo and Adelaide Bank№ 54

Bendigo Ready Credit Card

Mastercard issued by Bendigo and Adelaide Bank.

No Annual FeeNo FX Fee
Annual feeA$0per year
Top earn rateNot confirmed
QBANK№ 56

Bluey Credit Card

Visa card issued by QBANK.

Low InterestNo Annual Fee
Annual feeA$0per year
Top earn rateNot confirmed
Bank of Queensland (BOQ)№ 57

BOQ Blue Visa Credit Card

Visa card issued by Bank of Queensland (BOQ).

Balance TransferRewards
Annual feeA$89per year
Top earn rateNot confirmed
Bank of Queensland (BOQ)№ 58

BOQ Low Rate Visa Credit Card

Visa card issued by Bank of Queensland (BOQ).

Balance TransferLow Interest
Annual feeA$65per year
Top earn rateNot confirmed
Bank of Queensland (BOQ)№ 59

BOQ Platinum Visa Credit Card

Visa card issued by Bank of Queensland (BOQ).

Balance TransferPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Bank of Queensland (BOQ)№ 60

BOQ Specialist Signature Credit Card

Visa card issued by Bank of Queensland (BOQ).

AirlineLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Border Bank№ 61

Border Bank Visa Credit Card

Visa card issued by Border Bank.

Low InterestRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Coastline Credit Union№ 62

Business Access Plus

Credit card issued by Coastline Credit Union.

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 63

Business Awards Credit Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

BusinessRewards
Annual feeA$100per year
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 64

Business Interest-Free Days Credit Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

Business
Annual feeA$60per year
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 65

Business Low Rate Credit Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

BusinessLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 66

Business Platinum Awards Credit Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

BusinessPremium
Annual feeA$300per year
Top earn rateNot confirmed
Bank of Melbourne№ 67

Business Vantage

Credit card issued by Bank of Melbourne.

BusinessLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Newcastle Permanent№ 69

Business+ Credit Card

Visa card issued by Newcastle Permanent.

BusinessLow Interest
Annual feeA$55per year
Top earn rateNot confirmed
St.George Bank№ 70

BusinessVantage

Visa card issued by St.George Bank.

BusinessLow Interest
Annual feeA$55per year
Top earn rateNot confirmed
Bank of Melbourne№ 71

BusinessVantage

Visa card issued by Bank of Melbourne.

BusinessLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Cape№ 72

Cape Business Credit Card

Mastercard issued by Cape.

BusinessLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
Coastline Credit Union№ 73

Coastline Visa Credit Card

Visa card issued by Coastline Credit Union.

Low InterestRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Coastline Credit Union№ 74

Coastline Visa Rewarder (legacy)

Visa card issued by Coastline Credit Union.

PointsRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Coles№ 75

Coles Low Rate Mastercard

Mastercard issued by Coles.

Low InterestStore & Retail
Annual feeNot confirmed
Top earn rateNot confirmed
Coles№ 77

Coles Rewards Mastercard

Mastercard issued by Coles.

RewardsStore & Retail
Annual feeNot confirmed
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 78

CommBank Neo Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

No FX FeeRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 79

CommBank Qantas Business Rewards Credit Card

Credit card issued by Commonwealth Bank of Australia (CommBank).

AirlineBusiness
Annual feeA$295per year
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 83

Corporate Charge Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 84

Corporate Interest-Free Days Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

Business
Annual feeNot confirmed
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 85

Corporate Low Rate Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

BusinessLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Police Credit Union№ 86

Credit Card

Credit card issued by Police Credit Union.

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Border Bank№ 87

Credit Card

Credit card issued by Border Bank.

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Credit Union SA№ 91

Education Community Credit Card

Visa card issued by Credit Union SA.

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Police Credit Union№ 92

Extralite Credit Card

Visa card issued by Police Credit Union.

Low InterestRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Firefighters Mutual Bank (Teachers Mutual Bank Ltd)№ 93

Firefighters Mutual Bank Credit Card

Visa card issued by Firefighters Mutual Bank (Teachers Mutual Bank Ltd).

Low Interest
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.