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1:00AM Saturday Mar 20, 2010

Fairfax Digital

Mozo finance comparison

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credit cards

Compare and save on credit cards

Save on your credit card with our nifty comparison tools. Pick a winner from our most popular credit cards in the table below, or search the whole market to compare all credit cards with ease.

Popular credit cards

see rewards cards

top picks
low rate
introductory purchase rate
0% balance transfer
long balance transfer
low annual fee

	Interest rate	Annual fee	Balance transfer rate	Key features
BankWest Lite	10.75%	$59.00	1.99% for 9 months	Australia's lowest MasterCard purchase rate of 10.75% p.a.	Go to site
Citibank Clear Platinum	11.49%	$99.00	0.99% for 6 months and then 20.99%	0.99% balance transfer offer, save $50 off annual fee in first year, plus your own Personal Concierge	Go to site
St George Vertigo	11.99%	$55.00	2.99% for 6 months	2.99% p.a. on purchases for 6 months. 2.99% p.a. on balance transfers for 6 months.	Go to site
ANZ Low Rate	12.74%	$58.00	0.00% for 6 months	Design your card with an image of your choice	Go to site
Aussie Aussie MasterCard	12.29%	$49.00	2.99% for 6 months	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site

	Interest rate	Balance transfer rate	Annual fee	Key features
BankWest Lite	10.75%	1.99% for 9 months	$59.00	Australia's lowest MasterCard purchase rate of 10.75% p.a.	Go to site
Citibank Clear Platinum	11.49%	0.99% for 6 months and then 20.99%	$99.00	0.99% balance transfer offer, save $50 off annual fee in first year, plus your own Personal Concierge	Go to site
St George Vertigo	11.99%	2.99% for 6 months	$55.00	2.99% p.a. on purchases for 6 months. 2.99% p.a. on balance transfers for 6 months.	Go to site
ANZ Low Rate	12.74%	0.00% for 6 months	$58.00	Design your card with an image of your choice	Go to site
Aussie Aussie MasterCard	12.29%	2.99% for 6 months	$49.00	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site

	Initial interest rate	Interest rate	Key features
NAB Low Rate	0.00% for 6 months	12.49%	0% p.a. on purchases for up to 6 months	Go to site
St George Vertigo	2.99% for 6 months	11.99%	2.99% p.a. on purchases for 6 months. 2.99% p.a. on balance transfers for 6 months.	Go to site
Aussie Aussie MasterCard	2.99% for 6 months	12.29%	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site

	Balance transfer rate	Interest rate	Annual fee	Key features
ANZ Low Rate	0.00% for 6 months	12.74%	$58.00	Design your card with an image of your choice	Go to site
Citibank Clear Platinum	0.99% for 6 months and then 20.99%	11.49%	$99.00	0.99% balance transfer offer, save $50 off annual fee in first year, plus your own Personal Concierge	Go to site
Citibank Gold Card	2.90% for 12 months and then 20.99%	20.49%	$149.00	Apply now and get 2.9% p.a. on Balance Transfers for 12 months	Go to site
Aussie Aussie MasterCard	2.99% for 6 months	12.29%	$49.00	Aussie have four different offers to choose from. Offers available until 30 April 2009.	Go to site

	Balance transfer rate	Interest rate	Annual fee	Key features
BankWest Lite	1.99% for 9 months	10.75%	$59.00	Australia's lowest MasterCard purchase rate of 10.75% p.a.	Go to site
BankWest Zero	1.99% for 9 months	16.99%	$0.00	No annual fee, ever!	Go to site
Citibank BP	2.90% for 12 months	20.39%	$79.00	5% back on the first $600 you spend per month at BP	Go to site
Citibank Silver Card	2.90% for 12 months and then 20.99%	20.49%	$89.00	special 2.9% p.a. on Balance Transfers for 12 months	Go to site
Citibank Gold Card	2.90% for 12 months and then 20.99%	20.49%	$149.00	2.9% p.a. interest rate on balance transfers for a period of 12 months	Go to site

	Annual fee	Interest rate	Interest free days	Key features
BankWest Zero	$0.00	16.99%	55	No annual fee, ever!	Go to site
HSBC HSBC	$0.00	16.99%	55	$0 annual fee for the life of the card. $50 back on your card when you make your first spend.	Go to site
ANZ First	$30.00	18.49%	44	$0 Annual Account Fee for the first 12 months	Go to site
Woolworths Everyday Money Credit Card	$49.00	18.74%	55	$0 annual fee in the first year. Plus bonus $50 shopping card if you apply by 31 March 2010.	Go to site
Citibank Clear Platinum	$99.00	11.49%	55	0.99% balance transfer offer, save $50 off annual fee in first year, plus your own Personal Concierge	Go to site

see low rate cards

top picks
airline points
instant discounts
cashback
gold
platinum

	Rewards type	Interest free days	Annual fee	Key features
ANZ Frequent Flyer	Qantas points	44	$40.00	2.9% p.a. on Balance Transfers for the first 12 months if apply by 27 February 2010	Go to site
Citibank Platinum Card	Velocity Rewards, Other airline points, Travel, Merchandise, Cashback	55	$250.00	Special Internet Offer - Receive 20,000 points and fly any airline, anytime	Go to site
Woolworths Everyday Money Credit Card	Merchandise	55	$49.00	Bonus $50 shopping card if you apply by 31 March 2010. Plus no matter where you shop, you'll earn up to 3 reward points for every dollar you spend.	Go to site
NAB Velocity Card	Velocity Points	44	$65.00	Earn Velocity Points on your everyday spend. Velocity is the loyalty program partnered by Virgin Blue Airlines.	Go to site
Citibank Emirates Citi Platinum	Emirates points and Virgin Blue Travel, affiliated hotels, car rentals and luxury merchandise from Emirates High Street	55	$229.00	1.5 Skywards Miles per $1 spent.	Go to site

	Points per dollar	Points to frequent flyer ratio	Points lifetime	Key features
ANZ Frequent Flyer	0.5 with Visa, 1.00 with American Express	1:1 Qantas Frequent Flyer point	never expire	2.9% p.a. on Balance Transfers for the first 12 months if apply by 27 February 2010	Go to site
Citibank Platinum Card	1 per $ to a max 100,000		never expire	Special Internet Offer - Receive 20,000 points and fly any airline, anytime	Go to site
Commonwealth Bank Awards Card	1.5 points per dollar using American Express, 1.00 for Visa	2:1 Qantas Frequent Flyer point; 2:1 Velocity Points;	never expire	Qantas Frequent Flyer, Velocity Rewards (for Virgin Blue), Air New Zealand Airpoints transfers	Go to site
NAB Velocity Card	0.75 American Express, 0.5 Visa	Airline points earned automatically	never expire	Earn Velocity Points on your everyday spend. Velocity is the loyalty program partnered by Virgin Blue Airlines.	Go to site
Citibank Emirates Citi Platinum	1.5	1.5 Citi Mile = 1.5 Skywards Mile	never expire	1.5 Skywards Miles per $1 spent.	Go to site

	Rewards type	Annual fee	Interest rate	Key features
St George Vertigo	Instant discounts	$55.00	11.99%	Instant discounts and added extras with St.George Instant Benefits	Go to site
Citibank Clear Card	Instant discounts - discounts and offers from 26,000 merchants around the world.	$65.00	15.49%	Instant discounts - discounts and offers from 26,000 merchants around the world.	Go to site
Citibank BP	Petrol discounts, Cashback - 5% off up to $600 spent at BP each month, 0.5% cash back on other purchases up to $60,000 spend pa	$79.00	20.39%	5% off petrol at BP, plus 0.5% off all other purchases. Cash back rebates are automatically credited to your account.	Go to site
HSBC HSBC		$0.00	16.99%	Home & Away Privilege Program - instant discounts on shopping, travel, accomodation and more	Go to site

	Rewards type	Annual fee	Interest rate	Key features
HSBC HSBC		$0.00	16.99%	$0 annual fee for the life of the card. $50 cashback when you spend $500 or more for each of the first 3 months.	Go to site
Citibank BP	Petrol discounts, Cashback - 5% off up to $600 spent at BP each month, 0.5% cash back on other purchases up to $60,000 spend pa	$79.00	20.39%	5% back on the first $600 you spend per month at BP	Go to site
Commonwealth Bank Awards Card	Air New Zealand Airpoints™, Velocity Rewards or Qantas Frequent Flyer, Travel, Merchandise, Cashback	$89.00	19.99%	You can exchange your Commonwealth Awards points for funds to repay your credit card	Go to site
ANZ Balance	Merchandise, Cashbacks	$57.00	13.74%	Choose how you would like to be rewarded - Cashback, Shopping Vouchers or Gift Cards	Go to site

	Interest rate	Annual fee	Rewards type	Key features
ANZ Frequent Flyer Gold	18.99%	$140.00	Qantas points	2.9% p.a. on Balance Transfers for the first 12 months if apply by 27 February 2010	Go to site
Citibank Gold Card	20.49%	$149.00	24/7 Personal Concierge, Complimentary chauffeur drive service, Lounge access and Insurance cover	Apply now and get 2.9% p.a. on Balance Transfers for 12 months	Go to site
BankWest Zero Gold	16.99%	$0.00	Instant discounts	Zero annual fee Gold credit card	Go to site
BankWest Lite Gold	10.75%	$89.00	Instant discounts	Australia's lowest MasterCard purchase rate of 10.75% p.a.	Go to site
HSBC Gold	18.99%	$89.00	Travel, Merchandise, Cashback, Charity donations	$0 annual fee in the first year. Complimentary travel insurance.	Go to site

	Interest rate	Annual fee	Rewards type	Key features
BankWest Zero Platinum	16.99%	$0.00	Instant discounts	Zero annual fee Platinum credit card	Go to site
Citibank Platinum Card	20.49%	$250.00	Velocity Rewards, Other airline points, Travel, Merchandise, Cashback	Special Internet Offer - Receive 20,000 points and fly any airline, anytime	Go to site
Citibank Clear Platinum	11.49%	$99.00	Instant discounts and offers from 26,000 merchants around the world. Voucher, gift and merchandise rewards.	0.99% balance transfer offer, save $50 off annual fee in first year, plus your own Personal Concierge	Go to site
St George Platinum	15.24%	$89.00	Instant discounts	St George Platinum is a low interest credit card delivering Platinum benefits	Go to site
ANZ Frequent Flyer Platinum	18.99%	$240.00	Qantas points	2.9% p.a. on Balance Transfers for the first 12 months if apply by 27 February 2010	Go to site

Compare all credit cards

Search the credit card market at a glance
Shortlist your finalists to compare head-to-head
Apply for the product that best fits your needs

Compare all credit cards

: Lowest rate credit cards; - based on ongoing interest rate

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all credit cards
big banks

Go to site
1.
10.75%
BankWest
– Lite
Go to site
2.
11.49%
Citibank
– Clear Platinum
Go to site
3.
11.99%
St George
– Vertigo
Go to site
4.
12.29%
Aussie
– Aussie MasterCard
Go to site
5.
12.49%
NAB
– Low Rate

1.
9.74%
Greater Building Society
– Greater Visa
2.
9.99%
mecu
– Low Rate
3.
10.50%
Community First
– McGrath Pink Visa
Go to site
4.
10.75%
BankWest
– Lite
5.
10.99%
Jetstar
– Jetstar Mastercard

Go to site
1.
11.99%
St George
– Vertigo
Go to site
2.
12.49%
NAB
– Low Rate
Go to site
3.
12.74%
ANZ
– Low Rate
3.
12.74%
Commonwealth Bank
– Low Rate Card
3.
12.74%
Westpac
– Low Rate

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