Visa credit cards

Looking to compare Visa credit cards? The table below shows a selection of Visa cards offered by our online partners.

GM, Research
Editor-in-Chief
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  • Purchase rate p.a. - lowest first
  • Purchase rate p.a. - highest first
  • Reward points per $1 - lowest first
  • Reward points per $1 - highest first
  • Annual fee - lowest first
  • Annual fee - highest first
promoted
Fees & charges apply. Australian Credit Licence 233714.
13.99%
-
$55
dot
0% p.a. interest rate on balance transfers for 24 mths.
dot
2% BT fee applies.
Offer
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 234527.
20.99%
-
$30
$0 in first year
Bonus
Discount
Fees & charges apply. Australian Credit Licence 234527.
Fees & charges apply. Australian Credit Licence 234527.
promoted
Fees & charges apply. Australian Credit Licence 233714.
13.99%
-
$55
Offer
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 233714.
13.99%
-
$55
Bonus
Offer
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.

You’ve seen all your search results.

We couldn’t find any other products from our Online Partners, so here are a few from other providers…

promoted
BOQ Platinum Rewards Credit Card
Fees & charges apply. Australian Credit Licence 244616.
BOQ Platinum Rewards Credit Card
20.99%
2
uncapped
$149
$75 in first year
Link Not Supplied
Bonus
Offer
Discount
Travel insurance
Points never expire
Fees & charges apply. Australian Credit Licence 244616.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 244616.
promoted
ANZ Rewards Black
Fees & charges apply. Australian Credit Licence 234527.
ANZ Rewards Black
20.99%
2
up to $5,000/month then 1 uncapped
$375
Link Not Supplied
Bonus
Travel insurance
Fees & charges apply. Australian Credit Licence 234527.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 234527.
promoted
ANZ Rewards Platinum
Fees & charges apply. Australian Credit Licence 234527.
ANZ Rewards Platinum
20.99%
1.50
up to $2,000/month then 0.5 uncapped
$149
Link Not Supplied
Bonus
Travel insurance
Fees & charges apply. Australian Credit Licence 234527.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 234527.
promoted
ANZ Rewards Platinum - Velocity Offer
Fees & charges apply. Australian Credit Licence 234527.
ANZ Rewards Platinum - Velocity Offer
20.99%
1.50
up to $2,000/month then 0.5 uncapped
$149
Link Not Supplied
Bonus
Travel insurance
Fees & charges apply. Australian Credit Licence 234527.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 234527.
promoted
HSBC Platinum Credit Card
Fees & charges apply. Australian Credit Licence 232595.
HSBC Platinum Credit Card
19.99%
1.50
up to $120,000/yr
$199
$0 in first year
Link Not Supplied
Offer
Discount
Travel insurance
Airline lounge access
Fees & charges apply. Australian Credit Licence 232595.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 232595.
promoted
St.George Bank Amplify Signature - Rewards Option
Fees & charges apply. Australian Credit Licence 233714.
St.George Bank Amplify Signature - Rewards Option
20.99%
1.50
uncapped
$295
$199 in first year
Link Not Supplied
Bonus
Discount
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 233714.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 233714.
promoted
Bank of Melbourne Amplify Signature - Rewards Option
Fees & charges apply. Australian Credit Licence 233714.
Bank of Melbourne Amplify Signature - Rewards Option
20.99%
1.50
uncapped
$295
$199 in first year
Link Not Supplied
Bonus
Discount
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 233714.
Link Not Supplied
Fees & charges apply. Australian Credit Licence 233714.

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Unsure of a term in the above table? View glossary

The initial results in the table above are sorted by Reward points per $1 (High-Low) , then Annual fee (Low-High) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.

promoted
Fees & charges apply. Australian Credit Licence 291313.
Receive 50,000 Bonus Qantas Points
dot
Receive 50,000 bonus Qantas points
dot
Min spend $5k in first 3 months. Offer ends 1 July 2025
dot
T&Cs apply. New Amex Card Members only.
Fees & charges apply. Australian Credit Licence 291313. See Terms & Conditions.
Fees & charges apply. Australian Credit Licence 291313. See Terms & Conditions.

About Visa credit cards

What is a Visa credit card?

A Visa credit card is a credit card that uses the electronic payments network operated by the company Visa to process transactions. Visa credit cards are issued by financial institutions, not Visa the company. That means Visa credit cards can vary significantly depending on the institution and specific credit card in question.

Which Australian banks use Visa?

Visa credit cards are offered by a range of banks and financial institutions in Australia. Well-known banks like ANZ, NAB, ING, Macquarie, BOQ, HSBC and Suncorp use Visa while Commonwealth Bank and Westpac both use the Mastercard network.

You can use the comparison table at the top of this page to view a range of Visa credit cards offered by different institutions.

What is the difference between Visa and Mastercard?

Visa and Mastercard are two different payment platforms. There are some minor differences between the two platforms. For example, some banks and financial institutions have “exclusive” arrangements with one payment platform over the other. For instance, in 2015 NAB signed a 10-year agreement with Visa which means that until 2025, the major bank’s customers will only be offered Visa credit cards. Visa and Mastercard can also offer different credit card features, however, banks may change these conditions and/or offer their own programs.

What features are included with a Visa credit card?

When you sign up for a Visa credit card, the features you may be offered are set by the financial institution (such as a bank) that is giving you the card. These features could include such things as:

  • Global acceptance. Visa cards are accepted in over 200 countries and territories worldwide.
  • Visa payWave. Tap and pay wherever you see the contactless symbol. You generally don’t have to enter your PIN number to pay for purchases under $100.
  • Zero Liability. Under this policy, you won’t be held responsible for fraudulent charges or unauthorised purchases made with your card or account information.
  • Visa Concierge. This service includes a 24/7 concierge that can make reservations and give you recommendations. It is usually available on more premium Visa credit cards.
  • Visa Offers. Gives you access to deals on music, sport, fashion, food, film and more.
  • Visa Secure. A password-protected authentication system that gives you an added layer of protection to help prevent the unauthorised use of your card when shopping online.
  • Visa Checkout. A simplified payment process for shopping online. Once set up, there’s no need to re-enter your card or shopping details each time you shop where Visa Checkout is accepted.

To get a clearer picture of what the Visa credit card you are considering offers, it could be a good idea to read the Target Market Determination, Key Facts Sheet and other important documentation before signing up.

How can I compare Visa credit cards?

There are a wide range of Visa credit cards in Australia. What is on offer will differ depending on the financial institution and specific credit card in question, including whether it is a low rate, low fee, frequent flyer or rewards credit card. You can use our comparison table at the top of this page to compare Visa credit cards from a wide range of financial institutions in Australia.

When comparing credit cards, some general factors to consider include:

  • Annual fees. There are some Visa credit cards that charge no annual fee, either for the life of the card or for a promotional period. Other Visa credit cards will charge an annual fee, so it’s important to calculate whether the cost is worth the benefits you can get from the card.
  • Other fees. Also check what other credit card fees apply, such as international transaction fees, cash advance fees and late fees.
  • Interest rates. Check what interest rates apply. There are some low rate Visa credit cards including some with 0% interest rates for periods of time, as well as Visa credit cards with 0% balance transfer offers.
  • Interest-free days. Interest-free periods are usually 44 or 55 days. This period is the maximum amount of time that you won’t be charged interest on your purchases, provided you pay your balance in full by the due date.
  • Rewards. Some Visa credit cards are linked to rewards and frequent flyer programs (such as Qantas and Velocity), so you can earn points on your eligible spending.
  • Features. Some Visa credit cards will offer additional features like complimentary insurances, concierge services and lounge access. If you are charged an annual fee, these features could help offset the cost.

 

Frequently Asked Questions about Visa Credit Cards

With most financial institutions you can either apply online or phone the company’s customer support line. Compare different cards that are available and follow the links to apply through their website.

Visa cards are generally activated online through an app or website used by the specific financial institution.

The interest on a Visa card is determined by the financial institution using the Visa payment system. Some cards offer 0% interest for a set period of time. Make sure to check the details before applying.

The cap on a card’s credit is entirely determined by the type of product and conditions set by the financial institution distributing the card itself. Luxury cards can sometimes carry no limit while entry-level cards often range from $3,000 to $5,000 credit limit.

To cancel a credit card you need to pay off any remaining balance then contact the bank directly through their website or over the phone. Credit cards can also be cancelled via a bank app. It’s recommended to destroy a credit card once it’s been cancelled.

Latest in credit cards

Canstar Credit Card Star Ratings and Awards

Looking for an award-winning credit card product or to switch providers or brands? Canstar rates products based on price and features in our Credit Card Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall.

Canstar rates a range of financial products, covering banking, insurance and investment. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.

Credit Card Star Ratings and Awards

About the authors

Nina Rinella, Editor-in-Chief

Nina Rinella
As Canstar’s Editor-in-Chief, Nina heads up a team of talented journalists committed to helping empower consumers to take greater control of their finances. Nina has written countless articles about finance and has been interviewed on finance topics by media organisations including The Australian, Realestate.com.au, Domain, the Herald Sun and the Sydney Morning Herald. Previously Nina founded her own agency where she provided content and communications support to clients around Australia for 8 years. She also spent four years as the PR Manager for American Express Australia, and has worked at a Brisbane communications agency where she supported dozens of clients, including Sunsuper and Suncorp. When she’s not dreaming up ways to put a fresh spin on finance, she’s taking her own advice by trying to pay her house off as quickly as possible and raising two money-savvy kids. Nina has a Bachelor of Journalism and a Bachelor of Arts with a double major in English Literature from the University of Queensland. She’s also an experienced presenter, and has hosted numerous events and YouTube series. You can follow her on LinkedIn and Canstar on Facebook. Meet the Canstar Editorial Team. Have a media enquiry, and interested in featuring Nina as a financial expert and commentator? Contact Canstar’s Media Team today.

Joshua Sale, GM, Research

Joshua Sale
Joshua Sale is responsible for developing the methodology and delivering Canstar’s flagship Star Ratings, as part of Canstar’s Research Team. With tertiary qualifications in economics and finance, he enjoys helping Australians find more suitable financial products by transforming complex calculations into a consumer-friendly Star Rating that explains the values and benefits of different financial products. As one of Canstar’s company spokespeople, Joshua is confident participating in print, radio and broadcast journalism interviews. He has participated in interviews with the Australian Financial Review, news.com.au and Money Magazine, along with other leading media outlets, discussing topics such as home loan equity, banking incentive schemes, digital wallets and wider finance trends. You can follow Joshua on LinkedIn. Have a media enquiry, and interested in featuring Joshua as a financial expert and commentator? Contact Canstar’s Media Team today.

 


Important information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings. See How We Get Paid to find out more. Payment of fees for ads does not influence our Star Ratings or Awards.

The Credit Cards Star Ratings are updated daily based on product features at that date, except for the Overseas Travel profile which is updated annually. Current rates, product features and fees are displayed and may be different to what was rated. The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. Depending on which card feature/use you are looking at, the results will be sorted as follows:

  • Low fee is sorted by Star Ratings, then lowest Annual Fee, then alphabetically by brand.
  • Rewards is sorted by Star Ratings, then lowest Annual Fee, then alphabetically by brand.
  • Frequent Flyer is sorted by Star Ratings, then highest airline points per dollar, then alphabetically by brand.
  • Balance Transfer is sorted by Star Ratings, then lowest balance transfer rate, then lowest rate for the longest period, then lowest revert rate, then lowest upfront fee, and then alphabetically by brand. Please note that Balance Transfer Star Ratings are not for balance transfer suitability but are instead based on the Low Rate profile. 
  • All card types is sorted by highest Points per dollar spent, then lowest Annual fee, then alphabetically by brand.
  • Overseas Travel is sorted by Star Ratings, then lowest currency conversion on purchases, then lowest annual fee.

 

You can use the sort buttons at the top of each column to re-order the display. Learn more about our Credit Cards Star Rating Methodology and our Travel Credit Card and Travel Debit Card Star Ratings Methodology. The Occasional Overseas Traveller rating is shown in the table. The rating shown is only one factor to take into account when considering products. 

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

What is a Target Market Determination?

A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers.

Why do product issuers provide Target Market Determinations?

From 5 October 2021, TMDs are compulsory for most financial products.

Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer.

We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD.

Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. Canstar provides information about credit products. We’re not suggesting or recommending a particular credit product for you. If you decide to apply for a Credit Card, you will deal directly with the provider, not with Canstar. It’s important you check rates and product information directly with the provider. Consider the Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the TMD. For more information, read our Detailed Disclosure.

Canstar is not providing a recommendation for your individual circumstances. We cannot and do not recommend that any particular product is suitable for you. 

We provide links to our Online Partners. These are brands that may pay Canstar a fee for referring you. Our tables default to display only our Online Partners’ products initially, you can adjust the Online Partner Filter to see all of the products available for comparison on Canstar’s website. We provide these links so that you can click through to the product provider’s website to get more information. The provision of these links does not constitute a recommendation by Canstar.

Before you elect to terminate or modify existing lending arrangements, it is recommended that you consider all associated fees and application costs, as well as the timing and impact these changes could have on your wider financial arrangements and personal circumstances.