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Australian Credit Cards and Lines of Credit

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Welcome to the Australian credit cards online at CreditCardGuide.com. Here you can choose from a variety of top credit cards in different categories. Browse the categories listed below to find the credit card or line of credit that best fits your needs.

0% p.a. and Low Rate Balance
Transfer Credit Cards		 No Annual Fee Credit Cards
Reward Points Credit Cards Prepaid Credit Cards
Frequent Flyer Credit Cards

0% p.a. and Low Rate Balance Transfer Credit Cards and Lines of Credit

Click Here! Apply Here
Citibank ReadyCredit
  • 2.9% p.a. for 6 months* on any purchases, balances you transfer and cash advances
  • Line of credit from $5,000 to $25,000
  • CreditShield® Plus insurance
  • No ATM fees for withdrawing cash at any ATM in Australia
  • Access to your cash through
    • A VISA debit card
    • Cheque book
    • Internet Banking
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
2.9% for 6 mo. 2.9% for 6 mo. 17.99%* None
Click Here! Apply Here
Aussie MasterCard
  • 0% p.a. on purchases for the first 6 months*
  • Reverts to a low interest of 11.74% p.a. on purchases*
  • Up to 55 days interest free credit on purchases
  • Get an online response in 60 seconds
  • Shop safely online with MasterCard Securecode™
  • You don't need to be an Aussie customer to apply
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
0% for 6 mo. None 11.74% $49
Click Here! Apply Here
St.George Vertigo Master Card
  • 0% p.a. balance transfer rate for up to 6 months**
  • A low rate on purchases of 11.89% p.a*
  • Up to 55 interest free days on purchases*
  • Low $45 annual fee
  • An additional card for a friend or family member, with all transactions on one statement
  • Linked access to your other St.George accounts, for the ease of
    one-card-banking
  • Instant discounts and added extras with St.George Instant Benefits
  • “Winner of Money Magazine’s Best of the Best Award for Cheapest Credit Card”


Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 0%* for 6 mo. 11.89% $55
Click Here! Apply Here
ANZ Gold
  • Balance transfer offer of 7.99% p.a. for the first 6 months
  • Credit limit up to $25,000
  • Up to 55 days interest free credit on purchases
  • Access to ANZ Gold Liberty 24hr global travel service
  • Overseas travel and medical insurance*
  • Commission free traveller’s cheques when purchased through any ANZ branch in Australia
  • 90-day purchase security insurance*
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 7.99% for 6 mo. 18.24% $87
Click Here! Apply Here
St.George Starts Low Stays Low Credit Card
  • One low 12.99% p.a. rate for purchases and cash advances*
  • Up to 55 interest free days on purchases*
  • $59 annual fee
  • Up to 3 additional cards for your friends or family, with all transactions on one statement
  • Linked access to your other St.George accounts for the ease of
    one-card-banking
  • Instant discounts and added extras with St.George Instant Benefits
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 12.99% $69
Click Here! Apply Here
ANZ First Visa
  • Introductory offer of 7.99% p.a. on balance transfers for the first 6 months
  • Up to 44 days interest free credit on purchases
  • ANZ Falcon™ security with 24/7 monitoring of suspicious transactions
  • Extended Warranty Insurance and 90-day Purchase Security Insurance
  • Design your card by simply loading your favourite image or choose from a library of images
  • Convenience of Visa acceptance at over 24 million locations worldwide
  • $0 annual account fee for the first 12 months
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 7.99% for 6 mo. 18.24% $30*
Click Here! Apply Here
BP-Citibank MasterCard®
A credit card that gives you automatic savings on everything you buy anywhere
  • With the BP-Citibank MasterCard the money you save is simply credited to your account
  • Save at BP - 5% off your petrol and everything else you buy at BP*
  • Save everywhere else -1% off everything else you buy anywhere*
  • 2.9% p.a.* on balance transfers for 12 months
Click through for full product terms and conditions
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 2.9% for 12 mo. 19.89% $79
Click Here! Apply Here
St.George Platinum Credit Card
  • 3.99% p.a balance transfer rate for up to 6 months**
  • Low Platinum 14.25% p.a. purchase rate*
  • Up to 55 interest free days on purchases*
  • A full range of complimentary insurances*** including:
    • Domestic flight inconvenience insurance
    • Transit accident
    • Purchase cover
    • Extended warranty
    • Best price guarantee
  • Personal Concierge Service available 24/7
  • Up to 3 additional cards for your friends or family, with all transactions on one statement
  • Linked access to your other St.George accounts for the ease of
    one-card-banking
  • Exclusive Platinum card programs offered by Visa and MasterCard
  • Instant discounts and added extras with St.George Instant Benefits
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 3.99% for 6 mo. 14.25% $89
Click Here! Apply Here
St.George Gold Low Rate Credit Card
  • A low Gold card rate of 14.25% p.a. for purchases*
  • Higher credit limits – starting from $5,000
  • Up to 55 interest free days on purchases*
  • Complimentary Shopping and Travel Insurances** including:
    • Overseas Travel
    • Transit Accident
    • Extended Warranty
    • Purchase Cover
  • Up to 3 free additional cards for your friends or family, with all transactions on one statement
  • Linked access to your other St.George accounts for the ease of
    one-card-banking
  • Instant discounts and added extras with St.George Instant Benefits
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 14.25% $79
Click Here! Apply Here
ANZ Low Rate MasterCard
  • 0% p.a. balance transfer rate for the first six months*
  • Low interest rate of 11.99% p.a.* on purchases and 19.99% p.a. on cash advances
  • Up to 55 days interest free credit on purchases
  • Design your own card
  • Access to MasterCard cardholder services
  • 60 second response to your application
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 0%* for 6 mo. 11.99% $58

Reward Points Credit Cards

Click Here! Apply Here
ANZ Balance Visa
Be rewarded for reducing your balance
  • 1 Reward Point for every $1 you repay to your balance*
  • 0% p.a. balance transfers for 6 months*
  • 12.99% p.a. interest rate on purchases
  • Choose how you would like to be rewarded—cashback, shopping vouchers or gift cards
  • No cap to reward points and they will not expire as long as you have your card account
  • 19.99% p.a. interest rate on cash advances
  • Up to 55 days interest free credit on purchases
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 0% for 6 mo. 12.99% $79
Click Here! Apply Here
BP-Citibank MasterCard®
A credit card that gives you automatic savings on everything you buy anywhere
  • With the BP-Citibank MasterCard the money you save is simply credited to your account
  • Save at BP - 5% off your petrol and everything else you buy at BP*
  • Save everywhere else -1% off everything else you buy anywhere*
  • 2.9% p.a.* on balance transfers for 12 months
Click through for full product terms and conditions
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 2.9% for 12 mo. 19.89% $79
Click Here! Apply Here
ANZ Rewards Visa Gold
  • Earn one point for every $1.50 spent on your credit card purchases*
  • Earn unlimited reward bonus points at over 500 Bonus Partner outlets*
  • Redeem points for cash back, travel, merchandise or gift vouchers
  • Earn points up to a maximum spend of $100,000 per card account per year*
  • Up to 55 days interest free credit on purchases
  • Minimum credit limit of $5,000
  • Accepted at over 24 million locations worldwide
  • Commission free traveller’s cheques when you purchase your traveller's cheques through an ANZ branch in Australia
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 18.99% $79*
Click Here! Apply Here
ANZ Rewards Visa
  • Earn one point for every $1.50 spent on your credit card purchases*
  • Earn unlimited reward bonus points at over 500 Bonus Partner outlets*
  • Redeem points for cash back, travel, merchandise or gift vouchers
  • Up to 44 days interest free credit on purchases
  • Accepted at over 24 million locations worldwide
  • ANZ Falcon™ provides advanced around the clock monitoring for suspicious transactions
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 18.99% $48*

Frequent Flyer Credit Cards

Click Here! Apply Here
ANZ Frequent Flyer Visa
  • Earn up to 1 Quantas frequent flyer point for every dollar spent*
  • 2.9% on balance transfers in the first 12 months
  • Receive up to 2 bonus points for every dollar spent at ANZ Bonus Partners
  • Earn unlimited bonus points with our wide selection of Bonus Partners Australia-wide
  • Up to 44 days interest free on purchases
  • 24/7 ANZ Falcon™ security protection
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 2.9% for 12 mo. 18.99% $95
Click Here! Apply Here
ANZ Frequent Flyer Visa Gold
  • Earn up to 1 Quantas frequent flyer point for every dollar spent**
  • 2.9% on balance transfers in the first 12 months
  • Receive up to 2 bonus points for every dollar spent at ANZ Bonus Partners
  • Earn unlimited bonus points with our wide selection of Bonus Partners Australia-wide
  • Up to 55 days interest free on purchases
  • 24/7 ANZ Falcon™ security protection
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None 2.9% for 12 mo. 18.99% $150

No Annual Fee Credit Cards and Lines of Credit

Click Here! Apply Here
Citibank ReadyCredit
  • 2.9% p.a. for 6 months* on any purchases, balances you transfer and cash advances
  • Line of credit from $5,000 to $25,000
  • CreditShield® Plus insurance
  • No ATM fees for withdrawing cash at any ATM in Australia
  • Access to your cash through
    • A VISA debit card
    • Cheque book
    • Internet Banking
  • No annual fee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
2.9% for 6 mo. 2.9% for 6 mo. 17.99%* None
Click Here! Apply Here
St.George No Annual Fee Credit Card
  • No annual fee
  • 18.75% p.a. on purchase and cash advances*
  • Up to 3 additional cards for friends or family
  • Linked access to your other St.George accounts for the ease of
    one-card-banking
  • Instant discounts and added extras with St.George Instant Benefits
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None 18.75% None

Prepaid Credit Cards
Click Here! Apply Here
ANZ Everyday Visa Debit
Use your own money to shop, online, overseas or over the phone
  • $0 monthly fee for the first 6 months
  • Worldwide acceptance of Visa
  • Unlimited ANZ transactions for $6 a month
  • Protection against fraudulent purchases with Online Guarantee
Intro Purchase APR
Intro Balance Trans. APR
APR as low as Annual Fee
None None None $6/mo.*
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Introductory Balance Transfer APR