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Compare from our panel of credit cards for free
Compare credit cards from St George, Westpac and others
and find a card that fits your finances.Benefits and optional extras
Credit cards come with a variety of perks, but these vary by provider and card type. Here
are some common benefits:
Rewards points
Purchase protection
Extended warranty
Travel insurance
Airport lounge access
How to apply for a credit card
To obtain your first credit card, you’ll need to meet specific eligibility criteria and provide various forms of documentation. Here’s an overview of what you may need:
Eligibility requirements
Documentation needed
Application process
Final considerations
Before applying, it's wise to review your credit score and ensure that you understand the responsibilities of managing a credit card, including making timely repayments to avoid high-interest charges. If you’re unsure about your ability to manage a credit card, you might consider starting with a debit card instead.
How we've helped Australians like you.
Showing our 4 & 5 star reviews
by Tarina
Good customer service and personal was…
Good customer service and personal was good
by Skip
I could speak with someone I could understand
I could talk to someone who I could understand with good English. Everything was explained well.
by Lorraine McGrath
Reassurance
Simplicity. I am almost 85 years old and just needed reassurance. I felt at the end that I had done the right thing.
by Heather
Was very good in explaining everything…
Was very good in explaining everything to me
by Sally Pridmore
Very helpful & I believe very thorough.
Very helpful & I believe very thorough. Hopefully it will all work out better for me and I will end up happier & have a few less $ out of my pocket.
by Margaret Spry
Very happy with what you what you could
Very happy with what you what you could save me on our health Insurance.
by Jan Johns
Comparison was good
Comparison was good. No effort on my part as all done. A couple of typo errors which caused issues receiving information but overall very happy.
by Helena Klis
Customer service was great
Customer service was great, efficient. Timely etc etc. But at the end I changed my mind and stayed with my old insurer for personal reason.
by Naqibullah Hakim
Good suggestion
Good suggestion
by Peter Miller
Really helping .
Really helping .. good one on one support.
by Grant
Everyone was polite
Everyone was polite, asked relevant questions and answered all my questions. Although Compare Club couldn't find a better health fund then the one we're with, they did organize fantastic savings on Electricity and Gas accounts.
by Phillip
Good service and information
Good service and information
by Tom
easy to communicate
easy to communicate
by David
Honest comparisons of providers
Honest comparisons of providers. Good communication regarding the process to change providers.
by Debra Holdsworth
The operator was very helpful and…
The operator was very helpful and patient while we were on the phone and he did assist us to find the best price of health funds and which will save us thousand dollars a year with the new policy.
by Shannon Dorsett
Newby
I am new to the health insurance world. Karan made my dealings nice and easy. He was very knowledgeable with options, clear and patient. Happy to recommend his service.
by Annabelle
Quick to get through the process of…
Quick to get through the process of changing companies. Spoke English well and was not from an overseas call centre so the reception was good.
by customer
This company did the right thing by me
This company did the right thing by me. I used the service to compare PHI, and they found me a marginally better deal, but with a reward incentive (gift card) for using the service. I did have some issues with unclear info about how to access that gift card, which meant I almost totally missed getting it. In a bit of a flap, I reached out to ther company directly. Although the initial agent was unavailable, I received EXCELLENT support from an agent named Breeanna, who went above and beyond to ensure the incentive I had been offered, was honoured. Based on her help and resolution, I would recommend this service. A heads up for anyone considering the service - diarise yourself a reminder to check back in on the CC portal to collect any rewards your expect after the waiting period. I had (incorrectly) assumed it woudl be delivered to me, but the system required that you seek it out.
by Jan Higginson
Anthony Barrett presented as well informed on the aspect of Private health, able to find me a cheaper option without losing any of my benefits and less stressful for me
Spoke with Anthony he was very helpful , treated with the utmost respect guiding me through the process. Sent me a copy of the new plan for review and I rang him back for confirm. As I am not switching across until 2nd of May we will see how the transfer goes
by Peter Read
Great advice
The advice I received persuaded me to change health insurers. The policy was exactly what I was looking for both in coverage and price.
Paul Coughran is the General Manager of Emerging Verticals at Compare Club. Paul has over 20 years of experience across a wide range of industries including Banking and Finance, Telecommunications and Energy. Paul leads a team of trusted experts dedicated to helping individuals make informed decisions about their insurance and utilities needs.
General Manager of Emerging Verticals at Compare Club, Paul Coughran
Paul's top credit cards tips:
Pay off your credit card balance in full every month to avoid being stung high interest charges.
Choose a rewards card that fits your lifestyle – Whether you're after cash back, travel points, or other perks, go for a card that gives you the most value based on how you usually spend but be sure to check what the annual fees are to make sure the rewards are worth it.
Keep an eye on promotional interest rates, but don’t forget to check and note when those come to an end as often the revert rate after the promotional period ends can be pretty hefty.
Watch out for annual fees – Some cards come with tempting perks, but if you're not making the most of them, you could end up paying more in fees than you're actually saving.
What type of credit cards are available?
Balance transfer cards:
These cards are designed to help you manage existing debt by offering a 0% interest rate on balances transferred from other cards for a promotional period, usually lasting 6 to 24 months. This allows you to pay down your debt faster without accumulating extra interest. After the introductory period, any remaining balance will be subject to the card's standard interest rate, so it’s essential to clear your debt within this time to avoid extra costs.
Check out the list of cards here.
Premium credit cards:
Premium credit cards often come with higher interest rates but they also offer a range of valuable benefits. These cards typically provide features such as enhanced rewards programs, travel perks, and access to exclusive events. Cardholders may enjoy benefits like complimentary travel insurance, airport lounge access, and higher points earning potential on everyday purchases. While the annual fees can range from $150 to $500, many users find the perks worthwhile, especially if they travel frequently or spend significantly on their card. However, it's essential to pay off the balance in full each month to avoid accruing high-interest charges.
Check out the list of cards here.
Frequent flyer credit cards
These cards are tailored to travellers, allowing you to accumulate frequent flyer points with every purchase. Points can then be redeemed for flights, upgrades, or travel-related perks. Many frequent flyer cards also offer additional benefits like airport lounge access or complimentary travel insurance. They generally have higher fees and interest rates, so they are most beneficial for frequent travellers who can maximise the perks and pay off their balances regularly.
Check out the list of cards here.
Low annual fee credit cards:
No annual fee cards are ideal for those who want a straightforward credit card without the burden of ongoing costs. These cards allow you to make purchases without worrying about yearly fees, which can save you money over time. While they may lack the rewards or perks of other cards, they’re great for occasional users who want the convenience of a credit card without extra costs.
Check out the list of cards here.
Cashback credit cards:
Cashback cards reward you with a percentage of your spending back in cash, often around 0.5% to 2%. Cashback is usually credited to your account or given as a statement credit, reducing your overall balance. Some cards offer higher cashback rates in specific spending categories, such as groceries or fuel. This type of card is excellent for everyday spenders looking for tangible rewards without the complexity of points-based systems.
Check out the list of cards here.
Common questions about credit cards
This depends on what you want from your credit card. Some people aren’t keen on paying an annual fee, or are happy to pay a small amount each year for an ultra-low interest rate. You might be keen on a card with very enticing introductory offers and rates, while your partner may want to rack up frequent flyer points.
It’s why taking a few minutes to compare credit cards is important. There’s no such thing as a best credit card, only what’s best for you. So whether you’re planning on a big immediate purchase or you know you need it to tide yourself over ahead of pay days, take a minute to make sure you know what you want from your card and how you’ll afford to pay it off.
If you’re after a cheap credit card, focus on the interest rate on the credit card and whether it has an annual fee. You can also look at the interest-free days, as this can help you reduce or avoid the amount of interest you pay on the card.
Comparing your credit card options with us doesn’t impact your credit score. It’ll result in a soft credit check, which will appear on your credit history but won’t impact your score. Once you apply for a credit card with Compare Club, this will result in a hard inquiry on your credit, which can impact your score if you are approved or rejected for the card.
There are a range of credit cards available, including low rate cards, low fee cards, balance transfer cards, frequent flyer credit cards, reward credit cards and premium cards. What card is right for you depends on what you want from your credit card.
Credit cards have lots of different types of fees. Here’s what to look out for.
Annual fees: This is a fee that is charged for having a credit card. Not all cards come with these.
Late payment fees: This is a fee charged to your credit card if you miss a payment. They vary between providers, but the best way to avoid any kind of late payment fee is to make sure you’re paying off the minimum amount each month.
Cash advance fees: This is a fee you get for withdrawing cash from your credit card. There may be times when using your card in this way is unavoidable, but using your debit card is the best way to avoid a cash advance fee.
Interest: You’ll get charged this if you don’t pay your balance off in full each month once any introductory interest free offers have run out. Even if you can’t get your balance down to zero, lowering the amount on the card will lower your interest payments.
Everybody budgets differently and if you’re really struggling, visit a financial counsellor rather than make out a new card. But keep the amount on your card low and paying off at least the minimum each month is a good way to avoid extra charges.
There’s lots of different ways to manage credit card debt, but the key thing is not to stress. Whether it’s transferring the balance for free to a lower interest card or planning your monthly payments, your card payments shouldn’t rule your bank balance.
You can apply for a credit card right here, with us. We compare over 80 credit cards and you can compare which ones you like side by side.
Credit cards explained
Whether you’re on your first, fourth, or 14th card, there’s always a few pieces of bank jargon that can really throw you. At Compare Club, we believe a little knowledge can go a long way towards better financial decisions. So here’s a few quick guides to help you hone in on the right card.
Stumped by standard rates? Interested in interest free periods? We’ve put together a quick summary of terms you’re likely to see when comparing and what they really mean.
Here’s where you’ll see the latest offers, introductory deals and what our experts think might be a brilliant balance transfer rate for you. This changes regularly so sign up to our newsletter for regular updates.
We know you came here to compare cards, but if you're worried about picking the wrong piece of plastic, this guide will give you the confidence to ask the right questions as you narrow down your choices.