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Compare The Best Credit Card Plans

Find The Best Value Credit Card Plan

Compare Plans From 40+ Credit Card Providers

How To Find Best Credit Card?

There is not a single credit card could meet all people’s needs or be regarded as the best one among all other cards. There are several key factors help you to choose the suitable cards including minimum repayment, the interest rate for purchases and cash advance, the interest rate for balance transfers and for how long, promotional interest rate, the length of interest-free period and annual and late payment fees.And there are four steps guiding you to find your ideal credit card: check your credit, Identify which type of credit card you want, list your spending habits and credit conditions that help you narrow the options and apply for the card you want.

0% Purchase Credit Card

 

This credit card make it possible for you to spend money on credit without paying interest for the length of the promotional period(introductory offer or period). After the introductory period, the card will revert to the standard credit card interest rate. 0% purchase credit card would be an ideal option for making larger one-off purchases during the introductory offer, because it saves money for you on interest.

Purchase Rate

8.99%

Cash Advance

12.99%

Balance Transfer

Interest-free Period

45 Days

Annual Fee

Free

Card Type

Visa

Purchase Rate

20.74%

Cash Advance

-

Balance Transfer

0.00% p.a.

Interest-free Period

44 Days

Annual Fee

$450

Card Type

-

Balance Transfer Credit Card

 

This credit card can consoildate your payments from multiple balances to make a single monthly payment with lower rate and paying down balances from other credits, like auto loans or student loans.

Business Credit Card

 

This card has higher have credit limits that can make it easier to use less of your available credit and improve your standing. Many business credit cards also provide bonus rewards on phone bills, Wi-Fi or office supplies. This card is available for businesses of all sizes, including sole proprietorship and they do not show up on individual credit reports or affect an individual’s credit scores.

Purchase Rate

14.55%

Cash Advance

14.55%

Balance Transfer

5.99% p.a.

Interest-free Period

-

Annual Fee

Free

Card Type

Mastercard

Purchase Rate

2.99%

Cash Advance

2.99%

Balance Transfer

2.99% p.a.

Interest-free Period

62 Days

Annual Fee

Free

Card Type

Visa

Cash Advance Credit Card

 

This card allows you to get a short-term cash loan at bank, ATM or at the checkout of the supermarket. Usually, there is a cash advance fee which may be a flat fee or a percentage fee based on the amount of cash was withdrawn. From the time you make the withdrawal, the interest is charged on cash advance and the interest rate is much higher than purchases rate

Cash Back Credit Card

 

This card make it easier to get ‘money’ back from daily spending you put on your credit card the ‘money’ come back via various methods that bonus category, tiered rewards and flat percentage cash back cards. The flat percentage cash back credit card is ideal for the “set it and forget it crowd,” bonus category cards and tiered rewards cards offer more rewards but require more work to maximize cash back in select spending categories.

Purchase Rate

14.55%

Cash Advance

14.55%

Balance Transfer

5.99% p.a.

Interest-free Period

-

Annual Fee

Free

Card Type

Mastercard

Purchase Rate

19.49%

Cash Advance

20.24%

Balance Transfer

Interest-free Period

55 Days

Annual Fee

Free

Card Type

Visa

Frequent Flyer Credit Card

 

This credit cards are suitable for frequent flyers that you can earn credit card point from your flights. Some frequent flyer credit card programs contain free flights, extra points or no fees on overseas spend, or lounge access.

Low Income Credit Card

 

This card provides Australians with low annual income an opportunity to enjoy the benefit of using a credit card such as online purchasing and booking, and also the access to extra funds to pay for bills and other daily expense.

Purchase Rate

19.99%

Cash Advance

19.99%

Balance Transfer

Interest-free Period

55 Days

Annual Fee

Free

Card Type

Visa

Purchase Rate

0%

Cash Advance

21.24%

Balance Transfer

5.99% p.a.

Interest-free Period

55 Days

Annual Fee

$89

Card Type

Mastercard

Low Interest Credit Card

 

This card can help you save your money on monthly payments and it is suitable for people (Australian) carry a balance every month. Some low interest credit card come with 0% rate during introductory period and others have a low, ongoing rate. However, low interest credit card have strict requirement on credit rating(good to excellent) for approval.

No Annual Fees Credit Card

 

This card helps you lower the cost via offering no annual fee for the life of the card or a $0 annual fee for a promotional period. No annual fee credit card can also provide you with a variety of other benefits like balance transfer, rewards or frequent flyer points and other travel benefits.

Purchase Rate

0.00%

Cash Advance

21.24%

Balance Transfer

5.99% p.a.

Interest-free Period

55 Days

Annual Fee

Free

Card Type

Mastercard

Purchase Rate

20.24%

Cash Advance

20.24%

Balance Transfer

20.24% p.a.

Interest-free Period

55 Days

Annual Fee

Free

Card Type

Visa

Student Credit Card

 

This card includes financial educaton and resources, support from yur issuer with payment options by alerts and reminders and rewards geared towards student. Some student credit cards offer extra rewards for students pay on time or obtain good grades.

Rewards Credit Card

 

This card offers you points for your daily spending that can be used to redeem for various travel and lifestyle rewards. Depending on your goals, you could enjoy free flights and upgrades your reward credit card to a frequent flyer credit card, or get a retail rewards card at the shop or enjoy the flexibility of travel rewards, merchandise and cashback on your account with a credit card that offers its own rewards program.

Purchase Rate

19.99%

Cash Advance

21.99%

Balance Transfer

0.00% p.a.

Interest-free Period

55 Days

Annual Fee

Free

Card Type

Visa

Purchase Rate

19.99%

Cash Advance

21.99%

Balance Transfer

0.00% p.a.

Interest-free Period

55 Days

Annual Fee

Free

Card Type

Visa

Credit Card With Complimentary Travel Insurance

 

Complimentary travel insurance is a feature available on many credit cards – typically rewards credit cards. The travel insurance policy included on a credit card could offer varying levels of coverage for your domestic travel or international travel or both. It is worth noting that complimentary travel insurance is not really ‘free’, and this insurance premium is paid for via the card’s annual fee. Depending on the quality of the policy, complimentary credit card travel insurance can be used to replace a standalone travel insurance policy. It can help you reduce travel costs overall and save your time.

Important Information


  1. FindMyRates is not a credit provider and does not provide personal financial or professional advice or credit assistance. The information on this site is sourced from external credit providers and not from FindMyRates itself. It does not take into account your specific needs or circumstances, so you should look at your own financial situation, objectives and requirements and consult a licensed or authorised financial adviser before making any financial decisions.
  2. FindMyRates does not show comparison results based on commissions or referral fees.
  3. Although FindMyRates cover a broad range of products, providers and services we dont cover every product, provider or service available in the market and may not compare all the features available to you.