Credit cards offers & sign-up deals

The table below displays a range of credit cards from our Online Partners with sign-up offers. Conditions, costs and eligibility criteria apply.

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 234945.
12.99%
-
$59
dot
0% p.a. for 24 months on balance transfers.
dot
Free overseas travel insurance. No FX fees.
dot
3% BT Fee. Ltd time, other fees, T&Cs apply.
Offer
Travel insurance
Fees & charges apply. Australian Credit Licence 234945.
Fees & charges apply. Australian Credit Licence 234945.
promoted
Fees & charges apply. Australian Credit Licence 392145.
13.99%
-
$69
$0 in first year
dot
$0 p.a card fee (usually $69) for your 1st year when approved by 2 Sep 2025 & make a purchase in 90 days. New customers only. T&C's apply. Excludes any other offers
Discount
Fees & charges apply. Australian Credit Licence 392145.
Fees & charges apply. Australian Credit Licence 392145.
promoted
Fees & charges apply. Australian Credit Licence 291313.
23.99%
1.25
up to 100,000 pts/yr then 1 uncapped
$450
dot
Earn up to 90,000 bonus Qantas Points
dot
Min spend $3k in 3 months. Offer ends 13 Jan 2026.
dot
T&Cs apply. New American Express Card Members only
Bonus
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 291313.
Fees & charges apply. Australian Credit Licence 291313.
promoted
Fees & charges apply. Australian Credit Licence 230686.
21.99%
1
uncapped
$0
dot
0% p.a. for 10 months on balance transfers (1% fee)
dot
Award winning no annual fee rewards credit card
dot
Complimentary FIRST membership valued at $129/year
Bonus
Offer
Fees & charges apply. Australian Credit Licence 230686.
Fees & charges apply. Australian Credit Licence 230686.
promoted
Fees & charges apply. Australian Credit Licence 230686.
21.99%
1
uncapped
$0
Bonus
Offer
Fees & charges apply. Australian Credit Licence 230686.
Fees & charges apply. Australian Credit Licence 230686.
promoted
Fees & charges apply. Australian Credit Licence 234945.
0%
for 6 mths
then 18.99%
-
$0
Offer
Discount
Fees & charges apply. Australian Credit Licence 234945.
Fees & charges apply. Australian Credit Licence 234945.
promoted
Fees & charges apply. Australian Credit Licence 234527.
20.99%
-
$30
Bonus
Fees & charges apply. Australian Credit Licence 234527.
Fees & charges apply. Australian Credit Licence 234527.
promoted
Fees & charges apply. Australian Credit Licence 234945.
12.99%
-
$49
Offer
Fees & charges apply. Australian Credit Licence 234945.
Fees & charges apply. Australian Credit Licence 234945.
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.
promoted
Fees & charges apply. Australian Credit Licence 233714.
13.74%
-
$59
Offer
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 233714.
13.74%
-
$59
Bonus
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 234945.
12.99%
-
$59
Offer
Travel insurance
Fees & charges apply. Australian Credit Licence 234945.
Fees & charges apply. Australian Credit Licence 234945.
promoted
Fees & charges apply. Australian Credit Licence 392145.
13.99%
-
$69
$0 in first year
Discount
Fees & charges apply. Australian Credit Licence 392145.
Fees & charges apply. Australian Credit Licence 392145.

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Unsure of a term in the above table? View glossary

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

What is a credit card offer?

A credit card offer usually comes in the form of bonus rewards points, frequent flyer points, cashback or other rewards, when you apply and are approved for a certain credit card. There may be conditions attached to the credit card offer. Providers may also only offer credit card deals for a limited time. For example, you may get a 0% interest rate for the first 12 months or pay no annual fee for the first year only.

What is the best credit card?

There’s no one-size-fits all option when it comes to credit cards, and the ‘best’ one for you will ultimately depend on your needs and financial situation. For instance, if you’re a frequent traveller, then a credit card linked to a frequent flyer program can offer some tempting perks in terms of airline points and airport lounge access, but only if you spend enough to take advantage of these perks and can manage your card by paying it off each billing cycle to avoid interest.

How to compare credit cards

When searching for a credit card, there are a few factors that could be worth keeping in mind, including:

  • Purchase rate: A low purchase rate (or interest rate that’s applied to regular purchases) will also help keep ongoing costs low, especially if you don’t expect to be able to pay off your balance in full each month. Rewards credit cards generally come with higher purchase rates.
  • Annual fee: Some low fee credit cards may have a $0 annual fee period if certain requirements are met. Rewards credit cards generally come with higher annual fees.
  • Credit limit: Low fee credit cards tend to have lower credit limits. The credit limit you’re offered is typically based on your financial situation and ability to repay the credit limit.
  • Interest-free period: Some credit card providers offer interest-free credit cards. The interest-free period for these cards may be for a limited time only or ongoing. Most credit cards also come with a set amount of interest free days, which are an amount of days after a billing cycle before interest will start being charged on a purchase.
  • Features: In general, low fee and low interest rate credit cards tend to offer fewer features, but that varies from card to card. Rewards credit cards usually come with more features, hence their higher annual fees and purchase rates. These features can include complimentary travel insurance, airport lounge access, purchase protection and the ability to earn rewards points.

Are credit card offers worth it?

If you’re considering getting a credit card with a sign-up offer, it’s important to make sure the card is right for your needs and financial circumstances. Make sure you look at factors like the interest rate, fees, interest-free period and any rewards or other perks on offer.

Also ask yourself the following questions before you apply:

  • Do you pay your closing credit card balance in full each month? Rewards credit cards often have higher interest rates which can be about 20% p.a., based on average stats from Canstar’s database.
  • Are the potential rewards worth the annual fee for the card? Rewards credit cards also typically have higher annual fees than non-rewards cards.
  • If you receive rewards or frequent flyer points, are the points going towards a reward you would actually value? Consider what you would redeem the points on.
  • What conditions apply? Check whether you have to spend a certain amount to get the sign-up offer. Be careful of overspending just to get a reward or perk. If the offer is only available for a limited time, check what applies when this ends (e.g. what is the revert interest rate or annual fee?)

You can compare credit card offers from our Online Partners using the table above. Be sure to read the full terms and conditions and product documentation, such as the Product Disclosure Statement (PDS), Target Market Determination (TMD) and Key Facts Sheet, of each offer before you apply for a credit card. It’s also important to remember that a credit card without a sign-up bonus could still offer better value for you overall.

Canstar compares credit cards based on both price and features. As part of the price score, Canstar considers factors such as the rewards earned and the fees.

Frequently Asked Questions about Credit Cards Offers and Sign-up Deals

To qualify for a credit card in Australia you’ll generally need to:

  • Be at least 18 years old,
  • be an Australian citizen, permanent resident or hold an eligible visa,
  • and have an eligible and reliable source of income.

Different credit card providers may have different additional eligibility criteria, so it’s important to check this before applying.

Generally speaking, you can apply for a credit card online via a provider’s website, over the phone or at a branch. You’ll need to provide details such as:

  • A valid form of photo ID, such as a driver’s licence or passport
  • Your employment status and history, as well as your current salary (typically verified with payslips or tax returns)
  • Your assets, such as a home or vehicle
  • Your current expenses, as well as other debts you may have (i.e. car loan, personal loan, home loan or other credit cards)

This personal information helps the credit card provider get a better picture about your financial situation and ability to meet repayments. This information also helps them determine the credit limit they’ll offer you if you’re approved.

Your credit score only makes up part of the personal details that a credit card provider will consider as part of your application. Having a good credit score can demonstrate to a lender that you’re a trustworthy borrower, which may help your chances of being approved. It’s wise to check your credit score before you start applying for credit cards.

You can check your credit score for free with Canstar or via the Canstar App.

If you have a low credit score, you may still be able to get a credit card, however your options may be limited and you’ll typically need to supply additional supporting documents when applying. It’s also important to note that making multiple credit card applications in a short period of time may damage your credit score, as lenders often view this as you being desperate for credit. Take your time when comparing your options and only apply for a credit card when you meet its eligibility criteria.

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.