Credit Cards

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Rewards Program

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Bendigo Bank Low Rate Credit Card

Low Rate
Interest rate
11.99% p.a
Balance transfer rate
No offer
Annual fee
$45 p.a
Interest free period
55 days

More of the details:

Rewards program
1
-
Introductory interest rate
-
0%
Ongoing interest rate
-
Annual fee
$45 p.a
0%
Interest free period
55 days
Cash advance
13.99% p.a
0%
Minimum credit limit
$500
Balance transfer rate
No offer
Late Payment Fee
$15
Foreign currency conversion fee
3%
0%

NAB Low Rate Card

Low Rate
Interest rate
12.99% p.a
Balance transfer rate
0%
Annual fee
$59 p.a
Interest free period
55 days

More of the details:

Rewards program
1
-
Introductory interest rate
-
Ongoing interest rate
-
Annual fee
$59 p.a
Interest free period
55 days
Cash advance
21.74% p.a
Minimum credit limit
$1,000
Balance transfer rate
0%
Late Payment Fee
$15
Foreign currency conversion fee
3%

Westpac Low Rate - Cashback Offer

Low Rate
Interest rate
13.74% p.a
Balance transfer rate
No offer
Annual fee
$59 p.a
Interest free period
55 days

More of the details:

Rewards program
1
-
Introductory interest rate
-
Ongoing interest rate
-
Annual fee
$59 p.a
Interest free period
55 days
Cash advance
21.49% p.a
Minimum credit limit
$500
Balance transfer rate
No offer
Late Payment Fee
$15
Foreign currency conversion fee
3%

Westpac Low Rate

Low Rate
Interest rate
13.74% p.a
Balance transfer rate
0%
Annual fee
$59 p.a
Interest free period
55 days

More of the details:

Rewards program
1
-
Introductory interest rate
-
Ongoing interest rate
-
Annual fee
$59 p.a
Interest free period
55 days
Cash advance
21.49% p.a
Minimum credit limit
$500
Balance transfer rate
0%
Late Payment Fee
$15
Foreign currency conversion fee
3%

St.George Vertigo

Low Rate
Interest rate
13.99% p.a
Balance transfer rate
0%
Annual fee
$55 p.a
Interest free period
55 days

More of the details:

Rewards program
1
-
Introductory interest rate
-
0%
Ongoing interest rate
-
Annual fee
$55 p.a
0%
Interest free period
55 days
Cash advance
21.49% p.a
0%
Minimum credit limit
$500
Balance transfer rate
0%
Late Payment Fee
$15
Foreign currency conversion fee
3%
0%

Bank of Melbourne Vertigo

Low Rate
Interest rate
13.99% p.a
Balance transfer rate
0%
Annual fee
$55 p.a
Interest free period
55 days

More of the details:

Rewards program
1
-
Introductory interest rate
-
0%
Ongoing interest rate
-
Annual fee
$55 p.a
0%
Interest free period
55 days
Cash advance
21.49% p.a
0%
Minimum credit limit
$500
Balance transfer rate
0%
Late Payment Fee
$15
Foreign currency conversion fee
3%
0%

American Express Low Rate Credit Card

Low Rate
Interest rate
8.99% p.a
Balance transfer rate
No offer
Annual fee
$0 p.a
Interest free period
55 days

More of the details:

Rewards program
1
-
Introductory interest rate
-
Ongoing interest rate
-
Annual fee
$0 p.a
Interest free period
55 days
Cash advance
Minimum credit limit
$1,000
Balance transfer rate
No offer
Late Payment Fee
$30
Foreign currency conversion fee
3%

David Jones American Express Card (Membership Rewards)

Rewards
Earn rate per $1
1 points
Bonus points
50,000
Interest rate
20.74% p.a
Annual fee
$99 p.a

More of the details:

Rewards program
Membership Rewards
Introductory interest rate
0%
-
Ongoing interest rate
20.74% p.a
Annual fee
$99 p.a
Interest free period
44 days
Cash advance
-
Minimum credit limit
$2,000
Balance transfer rate
-
Late Payment Fee
$30
Foreign currency conversion fee
3%

American Express Platinum Edge Credit Card

Rewards
Earn rate per $1
1 points
Bonus points
50,000
Interest rate
20.74% p.a
Annual fee
$195 p.a

More of the details:

Rewards program
Membership Rewards
Introductory interest rate
-
Ongoing interest rate
20.74% p.a
Annual fee
$195 p.a
Interest free period
55 days
Cash advance
-
Minimum credit limit
$3,000
Balance transfer rate
-
Late Payment Fee
$30
Foreign currency conversion fee
3%

David Jones American Express Platinum Card (Membership Rewards)

Rewards
Earn rate per $1
1 points
Bonus points
70,000
Interest rate
20.74% p.a
Annual fee
$295 p.a

More of the details:

Rewards program
Membership Rewards
Introductory interest rate
0%
-
Ongoing interest rate
20.74% p.a
Annual fee
$295 p.a
Interest free period
44 days
Cash advance
-
Minimum credit limit
$2,000
Balance transfer rate
-
Late Payment Fee
$30
Foreign currency conversion fee
3%

American Express Explorer® Credit Card

Rewards
Earn rate per $1
2 points
Bonus points
240,000
Interest rate
20.74% p.a
Annual fee
$395 p.a

More of the details:

Rewards program
Membership Rewards
Introductory interest rate
-
Ongoing interest rate
20.74% p.a
Annual fee
$395 p.a
Interest free period
55 days
Cash advance
-
Minimum credit limit
$3,000
Balance transfer rate
-
Late Payment Fee
$30
Foreign currency conversion fee
3%

Westpac Altitude Platinum (Altitude Rewards)

Rewards
Earn rate per $1
1 points
Bonus points
130,000
Interest rate
20.49% p.a
Annual fee
$150 p.a

More of the details:

Rewards program
Altitude Rewards
Introductory interest rate
-
Ongoing interest rate
20.49% p.a
Annual fee
$150 p.a
Interest free period
45 days
Cash advance
21.49% p.a
-
Minimum credit limit
$6,000
Balance transfer rate
0.00% for 24 months and then 21.49% (1.00% balance transfer fee)
-
Late Payment Fee
$15
Foreign currency conversion fee
3%

Westpac Altitude Black (Altitude Rewards)

Rewards
Earn rate per $1
1.25 points
Bonus points
180,000
Interest rate
20.49% p.a
Annual fee
$250 p.a

More of the details:

Rewards program
Altitude Rewards
Introductory interest rate
-
Ongoing interest rate
20.49% p.a
Annual fee
$250 p.a
Interest free period
45 days
Cash advance
21.49% p.a
-
Minimum credit limit
$15,000
Balance transfer rate
0.00% for 24 months and then 21.49% (1.00% balance transfer fee)
-
Late Payment Fee
$15
Foreign currency conversion fee
3%

Westpac Altitude Platinum (Qantas Frequent Flyer)

Rewards
Earn rate per $1
0.5 points
Bonus points
75,000
Interest rate
20.49% p.a
Annual fee
$200 p.a

More of the details:

Rewards program
Qantas Frequent Flyer
Introductory interest rate
-
Ongoing interest rate
20.49% p.a
Annual fee
$200 p.a
Interest free period
45 days
Cash advance
21.49% p.a
-
Minimum credit limit
$6,000
Balance transfer rate
0.00% for 24 months and then 21.49% (1.00% balance transfer fee)
-
Late Payment Fee
$15
Foreign currency conversion fee
3%

St.George Amplify Qantas Signature (Qantas Frequent Flyer)

Rewards
Earn rate per $1
0.75 points
Bonus points
90,000
Interest rate
19.74% p.a
Annual fee
$279 p.a

More of the details:

Rewards program
Qantas Frequent Flyer
Introductory interest rate
-
Ongoing interest rate
19.74% p.a
Annual fee
$279 p.a
Interest free period
55 days
Cash advance
21.49% p.a
-
Minimum credit limit
$15,000
Balance transfer rate
0.00% for 24 months and then 21.49% (1.00% balance transfer fee)
-
Late Payment Fee
$15
Foreign currency conversion fee
3%

American Express Cashback Credit Card

Rewards
Earn rate per $1
1 points
Bonus points
No offer
Interest rate
20.74% p.a
Annual fee
$120 p.a

More of the details:

Rewards program
Cashback Rewards
Introductory interest rate
-
Ongoing interest rate
20.74% p.a
Annual fee
$120 p.a
Interest free period
55 days
Cash advance
-
Minimum credit limit
Balance transfer rate
-
Late Payment Fee
$30
Foreign currency conversion fee
3%

St.George Amplify Rewards Signature (Rewards)

Rewards
Earn rate per $1
1.5 points
Bonus points
200,000
Interest rate
19.74% p.a
Annual fee
$279 p.a

More of the details:

Rewards program
Rewards
Introductory interest rate
-
Ongoing interest rate
19.74% p.a
Annual fee
$279 p.a
Interest free period
55 days
Cash advance
21.49% p.a
-
Minimum credit limit
$15,000
Balance transfer rate
0.00% for 24 months and then 21.49% (1.00% balance transfer fee)
-
Late Payment Fee
$15
Foreign currency conversion fee
3%

St.George Amplify Qantas Platinum (Qantas Frequent Flyer)

Rewards
Earn rate per $1
0.5 points
Bonus points
60,000
Interest rate
19.74% p.a
Annual fee
$99 p.a

More of the details:

Rewards program
Qantas Frequent Flyer
Introductory interest rate
-
Ongoing interest rate
19.74% p.a
Annual fee
$99 p.a
Interest free period
55 days
Cash advance
21.49% p.a
-
Minimum credit limit
$6,000
Balance transfer rate
0.00% for 24 months and then 21.49% (1.00% balance transfer fee)
-
Late Payment Fee
$15
Foreign currency conversion fee
3%

NAB Rewards Platinum Card

Rewards
Earn rate per $1
1 points
Bonus points
60,000
Interest rate
19.99% p.a
Annual fee
$195 p.a

More of the details:

Rewards program
NAB Rewards
Introductory interest rate
-
Ongoing interest rate
19.99% p.a
Annual fee
$195 p.a
Interest free period
44 days
Cash advance
21.74% p.a
-
Minimum credit limit
$6,000
Balance transfer rate
0.00% for 6 months and then 21.74% (2.00% balance transfer fee)
-
Late Payment Fee
$15
Foreign currency conversion fee
3%

NAB Qantas Rewards Signature Card

Rewards
Earn rate per $1
1 points
Bonus points
110,000
Interest rate
19.99% p.a
Annual fee
$395 p.a

More of the details:

Rewards program
Qantas Frequent Flyer
Introductory interest rate
-
Ongoing interest rate
19.99% p.a
Annual fee
$395 p.a
Interest free period
44 days
Cash advance
21.74% p.a
-
Minimum credit limit
$15,000
Balance transfer rate
0.00% for 6 months and then 21.74% (2.00% balance transfer fee)
-
Late Payment Fee
$15
Foreign currency conversion fee
3%

NAB Qantas Rewards Premium Card

Rewards
Earn rate per $1
0.66 points
Bonus points
65,000
Interest rate
19.99% p.a
Annual fee
$250 p.a

More of the details:

Rewards program
Qantas Frequent Flyer
Introductory interest rate
-
Ongoing interest rate
19.99% p.a
Annual fee
$250 p.a
Interest free period
44 days
Cash advance
21.74% p.a
-
Minimum credit limit
$6,000
Balance transfer rate
0.00% for 6 months and then 21.74% (2.00% balance transfer fee)
-
Late Payment Fee
$15
Foreign currency conversion fee
3%

BankSA Amplify Rewards Platinum (Rewards)

Rewards
Earn rate per $1
1 points
Bonus points
130,000
Interest rate
19.74% p.a
Annual fee
$99 p.a

More of the details:

Rewards program
Rewards
Introductory interest rate
-
Ongoing interest rate
19.74% p.a
Annual fee
$99 p.a
Interest free period
55 days
Cash advance
21.49% p.a
-
Minimum credit limit
$6,000
Balance transfer rate
0.00% for 24 months and then 21.49% (1.00% balance transfer fee)
-
Late Payment Fee
$15
Foreign currency conversion fee
3%

Bank of Melbourne Amplify Rewards Signature (Rewards)

Rewards
Earn rate per $1
1.5 points
Bonus points
200,000
Interest rate
19.74% p.a
Annual fee
$279 p.a

More of the details:

Rewards program
Rewards
Introductory interest rate
-
Ongoing interest rate
19.74% p.a
Annual fee
$279 p.a
Interest free period
55 days
Cash advance
21.49% p.a
-
Minimum credit limit
$15,000
Balance transfer rate
0.00% for 24 months and then 21.49% (1.00% balance transfer fee)
-
Late Payment Fee
$15
Foreign currency conversion fee
3%

Bank of Melbourne Amplify Rewards Platinum (Qantas Frequent Flyer)

Rewards
Earn rate per $1
0.5 points
Bonus points
60,000
Interest rate
19.74% p.a
Annual fee
$99 p.a

More of the details:

Rewards program
Qantas Frequent Flyer
Introductory interest rate
-
Ongoing interest rate
19.74% p.a
Annual fee
$99 p.a
Interest free period
55 days
Cash advance
21.49% p.a
-
Minimum credit limit
$6,000
Balance transfer rate
0.00% for 24 months and then 21.49% (1.00% balance transfer fee)
-
Late Payment Fee
$15
Foreign currency conversion fee
3%

American Express Velocity Platinum Card

Rewards
Earn rate per $1
1.25 points
Bonus points
120,000
Interest rate
20.74% p.a
Annual fee
$375 p.a

More of the details:

Rewards program
Velocity Frequent Flyer
Introductory interest rate
-
Ongoing interest rate
20.74% p.a
Annual fee
$375 p.a
Interest free period
55 days
Cash advance
-
Minimum credit limit
$3,000
Balance transfer rate
-
Late Payment Fee
$30
Foreign currency conversion fee
3%

American Express Qantas Premium Card

Rewards
Earn rate per $1
1 points
Bonus points
60,000
Interest rate
20.74% p.a
Annual fee
$249 p.a

More of the details:

Rewards program
Qantas Frequent Flyer
Introductory interest rate
-
Ongoing interest rate
20.74% p.a
Annual fee
$249 p.a
Interest free period
44 days
Cash advance
-
Minimum credit limit
$2,000
Balance transfer rate
-
Late Payment Fee
$30
Foreign currency conversion fee
3%

We want everyone to win

We want our Offers to provide value to you - whether it’s savings, rewards or credit - and we choose financial partners that share our mission. If we do our job well, you save some money, we make some money and banks turn away fewer customers. Everyone wins.

This page features promoted products where the provider pays us a fee if you go to their site from ours, or you take out a product with them. But don’t worry - you don’t pay any extra for using our service.

General Advice Disclaimer

Flux Technologies Pty Ltd (ABN 86 634 507 172) is an authorised representative (Representative No. 525288) of Mozo Pty Ltd who is the holder of AFSL No. 328141. We also provide general advice on credit products under our own Australian Credit Licence No. 530103.

The product information presented does not constitute an offer and we are not recommending or suggesting any particular product. Any product advice presented is of a general nature only, and is not to be taken as any sort of advice as it has not taken into account your personal circumstances, objectives, financial situation or needs. Target Market Determinations can be found on the provider's website.

Check out our Credit Guide and Financial Services Guide for more information.

We want everyone to win!

We want our offers to provide the most value for you. That’s why we choose financial partners that share our mission.