Best Credit Card Australia

By: EconomyWatch Content   Date: 15 February 2010

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EconomyWatch Content

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EconomyWatch, Content Team

 

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If you are looking for the best credit card in Australia, make sure that you understand the factors that influence credit card services. Some factors include:

  • Purchase rate (p.a.)
  • Cash advances
  • Balance transfers        
  • Interest free days 
  • Annual fee

However, there is no single credit card that suits everyone’s needs. The best credit card for you is one that meets your requirements.

Best Credit Card Australia: Top Five Credit Cards

The ideal way to find the best credit cards in Australia is to browse through credit cards comparison websites. These sites compare credit cards of various companies in terms of their features, offerings and terms.

Here are some top-ranking credit cards on many Australian credit card comparison websites:

NAB Low Rate Visa Card: Offered by National Australia Bank, this card features:

  • 0%p.a. on purchases for up to 6 months
  • 4.99%p.a. on balance transfers for up to 6 months
  • Up to 55 days interest free on purchases
  • An additional cardholder at no extra cost
  • Worldwide acceptance at over 22 million locations
  • Annual card fee$49

Aussie MasterCard: Offered by the top Australian non-bank retail financial services group Aussie, the card extends the following benefits:

  • 2.99% p.a. on purchases for the first 6 months
  • 3.99%p.a. on balance transfers for the first 12 months
  • $0 annual fee for the first year

Citibank Clear Platinum Visa: This credit card entails the following benefits:

  • 0.99% p.a. on balance transfers for 6 months
  • 11.49% p.a. on retail purchases
  • Access to Visa Concierge
  • Complimentary International Travel Insurance

 

Vertigo MasterCard (St.George): St.George is the Retail and Business Banking unit of the Westpac Group. It features:

·        2.99% p.a. on purchases for the first 6 months

·        2.99% p.a. on balance transfers for up to 6 months

·        $55 annual fee

·        Up to 55 days interest free on purchases

ANZ Low Rate MasterCard: This card is offered by the Australia and New Zealand Banking Group Limited. It features

  • 0% for 6 months on balance transfers plus a low 12.24% on purchases.
  • Low rate of 12.49% p.a.  
  • 0% p.a. for six months on Balance Transfers
  • Up to 55 days interest free credit on purchases

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