Skip to content
★ 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
Search
Network
Annual fee
Sort
Filtering on fee uses the figure on record. A card with no fee on record shows a blank on its tile, not a price.
Greater Bank№ 98

Greater Bank Visa Credit Card

Visa card issued by Greater Bank.

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Health Professionals Bank (Teachers Mutual Bank Ltd)№ 99

Health Professionals Bank Credit Card

Visa card issued by Health Professionals Bank (Teachers Mutual Bank Ltd).

Low InterestNo Annual Fee
Annual feeA$0per year
Top earn rateNot confirmed
Horizon Bank№ 100

Horizon Bank Visa Credit Card

Visa card issued by Horizon Bank.

Low InterestPoints
Annual feeA$49per year
Top earn rateNot confirmed
HSBC Australia№ 102

HSBC Virtual Card

Credit card issued by HSBC Australia.

Annual feeNot confirmed
Top earn rateNot confirmed
Hume Bank№ 104

Hume Value Visa Credit Card

Visa card issued by Hume Bank.

Low InterestRewards
Annual feeNot confirmed
Top earn rateNot confirmed
humm№ 105

humm90 Platinum Mastercard

Mastercard issued by humm.

No FX FeePremium
Annual feeNot confirmed
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 106

Interest-free Low Fee Credit Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

No FX Fee
Annual feeA$10/monthA$120/yr · can be waived
Top earn rateNot confirmed
Kogan Money№ 107

Kogan Money Credit Card

Visa card issued by Kogan Money.

No Annual FeeRewards
Annual feeA$0per year
Top earn rateNot confirmed
Latitude Financial№ 109

Latitude Gem Visa

Visa card issued by Latitude Financial.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Latitude Financial№ 110

Latitude GO Mastercard

Mastercard issued by Latitude Financial.

Rewards
Annual feeNot confirmed
Top earn rateNot confirmed
Latitude Financial№ 111

Latitude Low Rate Mastercard

Mastercard issued by Latitude Financial.

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 112

Low Fee Credit Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

Rewards
Annual feeA$3/monthA$36/yr · can be waived
Top earn rateNot confirmed
Unity Bank№ 113

Low Rate Business Credit Card

Visa card issued by Unity Bank.

BusinessLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Summerland Bank№ 114

Low Rate Credit Card

Visa card issued by Summerland Bank.

Low Interest
Annual feeA$49per year
Top earn rateNot confirmed
Commonwealth Bank of Australia (CommBank)№ 115

Low Rate Credit Card

Mastercard issued by Commonwealth Bank of Australia (CommBank).

Low InterestRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Australian Military Bank№ 116

Low Rate Visa Card

Visa card issued by Australian Military Bank.

Low InterestPoints
Annual feeA$49per year
Top earn rateNot confirmed
G&C Mutual Bank№ 117

Low Rate Visa Credit Card

Visa card issued by G&C Mutual Bank.

Low Interest
Annual feeA$50per year
Top earn rateNot confirmed
Bank Australia№ 118

Low Rate Visa Credit Card

Visa card issued by Bank Australia.

Balance TransferLow Interest
Annual feeA$0per year
Top earn rateNot confirmed
Macquarie Bank№ 120

Macquarie Black Card

Visa card issued by Macquarie Bank.

No FX FeePremium
Annual feeNot confirmed
Top earn rateNot confirmed
Macquarie Bank№ 121

Macquarie Platinum Card

Visa card issued by Macquarie Bank.

No FX FeePremium
Annual feeNot confirmed
Top earn rateNot confirmed
Macquarie Bank№ 122

Macquarie RateSaver Card

Visa card issued by Macquarie Bank.

Low InterestNo FX Fee
Annual feeA$69per year
Top earn rateNot confirmed
The Mutual Bank№ 125

Mutual Visa Credit Card

Visa card issued by The Mutual Bank.

Low InterestRewards
Annual feeA$49per year
Top earn rateNot confirmed
MyCard (NAB)№ 126

MyCard Clear Credit Card

Credit card issued by MyCard (NAB).

Balance Transfer
Annual feeA$149per year
Top earn rateNot confirmed
MyCard (NAB)№ 127

MyCard Premier Credit Card

Credit card issued by MyCard (NAB).

Balance TransferLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
MyCard (NAB)№ 129

MyCard Rewards Credit Card

Get 100,000 bonus MyCard Reward Points when you spend $5,000 on eligible purchases within 90 days from approval.

Balance TransferPoints
Annual feeNot confirmed
Top earn rateNot confirmed
MyCard (NAB)№ 130

MyCard Simplicity

Credit card issued by MyCard (NAB).

Balance Transfer0% Intro Purchases
Annual feeNot confirmed
Top earn rateNot confirmed
National Australia Bank (NAB)№ 131

NAB Business Card

Visa card issued by National Australia Bank (NAB).

Business
Annual feeNot confirmed
Top earn rateNot confirmed
National Australia Bank (NAB)№ 132

NAB Low Fee Card

Visa card issued by National Australia Bank (NAB).

Balance TransferPoints
Annual feeA$49per year
Top earn rateNot confirmed
National Australia Bank (NAB)№ 133

NAB Low Rate Business Card

Enjoy 0.00% p.a. on purchases for 12 months on a new NAB Low Rate Business Card.

BusinessLow Interest
Annual feeA$60per year
Top earn rateNot confirmed
National Australia Bank (NAB)№ 134

NAB Low Rate Card

Visa card issued by National Australia Bank (NAB).

Balance TransferLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
National Australia Bank (NAB)№ 135

NAB Purchasing and Corporate Card

Visa card issued by National Australia Bank (NAB).

Business
Annual feeNot confirmed
Top earn rateNot confirmed
National Australia Bank (NAB)№ 136

NAB Qantas Business Signature Card

Earn 150,000 bonus Qantas Points when you spend $10,000 on everyday business purchases within 90 days of opening your new NAB Qantas Business Signature Card account. Plus, you’ll be rewarded with an additional 50,000 bonus Qantas Points if you keep your account open for 15 months.

AirlineBusiness
Annual feeA$295per year
Top earn rateNot confirmed
National Australia Bank (NAB)№ 137

NAB Qantas Rewards Premium Card

Visa card issued by National Australia Bank (NAB).

AirlineBalance Transfer
Annual feeA$295per year
Top earn rateNot confirmed
National Australia Bank (NAB)№ 138

NAB Qantas Rewards Signature Card

Visa card issued by National Australia Bank (NAB).

AirlineBalance Transfer
Annual feeA$449per year
Top earn rateNot confirmed
National Australia Bank (NAB)№ 139

NAB Rewards Business Signature Card

Visa card issued by National Australia Bank (NAB).

BusinessPoints
Annual feeA$175per year
Top earn rateNot confirmed
National Australia Bank (NAB)№ 140

NAB Rewards Platinum Card

Visa card issued by National Australia Bank (NAB).

Balance TransferPoints
Annual feeNot confirmed
Top earn rateNot confirmed
National Australia Bank (NAB)№ 141

NAB Rewards Signature Card

Up to 110,000 bonus NAB Rewards Points 80,000 bonus points when you apply for a NAB Rewards Signature Card, are approved and spend $5,000 on everyday purchases within the first 90 days of account opening and 30,000 bonus points when you keep your card for over 12 months.

Balance TransferLounge Access
Annual feeNot confirmed
Top earn rateNot confirmed
National Australia Bank (NAB)№ 142

NAB Virtual Corporate Card

Visa card issued by National Australia Bank (NAB).

Business
Annual feeNot confirmed
Top earn rateNot confirmed
National Seniors№ 144

National Seniors Credit Card

Visa card issued by National Seniors.

Low InterestRewards
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.