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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 30 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.
Commonwealth Bank of Australia (CommBank)№ 193

Virtual Cards

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

Annual feeNot confirmed
Top earn rateNot confirmed
BankSA№ 194

Visa Business

Visa card issued by BankSA.

BusinessLow Interest
Annual feeA$55per year
Top earn rateNot confirmed
P&N Bank№ 195

Visa Classic Credit Card

Visa card issued by P&N Bank.

Low Interest
Annual feeNot confirmed
Top earn rateNot confirmed
Northern Inland Credit Union№ 196

Visa Classic Credit Card

Visa card issued by Northern Inland Credit Union.

Low InterestRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Bank First№ 197

Visa Classic Credit Card

Visa card issued by Bank First.

Low InterestNo Annual Fee
Annual feeA$0per year
Top earn rateNot confirmed
Bank Australia№ 198

Visa Credit Card

Visa card issued by Bank Australia.

No Annual FeeRewards
Annual feeA$0per year
Top earn rateNot confirmed
Credit Union SA№ 199

Visa Credit Card

Visa card issued by Credit Union SA.

Low InterestPoints
Annual feeNot confirmed
Top earn rateNot confirmed
Queensland Country Bank№ 200

Visa Credit Card

Visa card issued by Queensland Country Bank.

Rewards
Annual feeA$39per year
Top earn rateNot confirmed
Queensland Country Bank№ 201

Visa My Rewards Credit Card

Visa card issued by Queensland Country Bank.

Rewards
Annual feeA$89per year
Top earn rateNot confirmed
P&N Bank№ 202

Visa Platinum Credit Card

Visa card issued by P&N Bank.

Low InterestPremium
Annual feeA$99per year
Top earn rateNot confirmed
Bank First№ 203

Visa Platinum Credit Card

Visa card issued by Bank First.

Low InterestNo FX Fee
Annual feeA$99per year
Top earn rateNot confirmed
Westpac№ 204

Westpac Altitude Business Gold

New Altitude Business Gold credit cards will have the first-year annual card fee waived – which means you pay $0 in year one.

BusinessRewards
Annual feeA$150per year · can be waived
Top earn rateNot confirmed
Westpac№ 208

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.

PremiumRewards
Annual feeA$295per year
Top earn rateNot confirmed
Westpac№ 214

Westpac Lite Card

Credit card issued by Westpac.

Low InterestNo FX Fee
Annual feeA$9/monthNot yet checked with WestpacA$108/yr
Top earn rateNot confirmed
Westpac№ 215

Westpac Low Fee Credit Card

Get $240 cashback when you spend $3.5k+ on eligible purchases[#] in the first 90 days from card approval.[#]

Rewards
Annual feeA$30per year
Top earn rateNot confirmed
Westpac№ 216

Westpac Low Rate Credit Card

Mastercard issued by Westpac.

Balance TransferLow Interest
Annual feeA$84per year
Top earn rateNot confirmed
Wizit№ 217

Wizitcard

Mastercard issued by Wizit.

Annual feeA$19/monthA$228/yr
Top earn rateNot confirmed
Credit Union SA№ 219

Workplace Benefits Credit Card

Visa card issued by Credit Union SA.

Low InterestNo Annual Fee
Annual feeA$0per year
Top earn rateNot confirmed
Regional Australia Bank№ 220

Your Choice Visa Credit Card

Visa card issued by Regional Australia Bank.

Low InterestRewards
Annual feeA$40per year
Top earn rateNot confirmed
Zip№ 221

Zip Pay (Visa card)

Visa card issued by Zip.

Annual feeA$9.95/monthA$119.40/yr
Top earn rateNot confirmed
Zip№ 222

Zip Plus (Visa card)

Visa card issued by Zip.

No FX Fee
Annual feeA$9.95/monthA$119.40/yr
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.