Visa credit cards
Looking to compare Visa credit cards? The table below shows a selection of Visa cards offered by our online partners.
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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, see top of table for details.
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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
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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.
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About the authors
Nina Rinella, Editor-in-Chief
Joshua Sale, Group Manager, Research & Ratings
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Important information
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This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.