Deep Almanac

Credit cards in Australia

Bank data as of 12 November 2026, 02:35 UTC · generated 12 November 2026, 02:36 UTC from 62 issuers with credit cards, out of 115 brands in the CDR register. Refreshed daily.

62 banks, credit unions and other issuers publish 187 credit cards. For 59 of them the rates, fees and offers come from the bank's own published product data, refreshed daily, with 487 terms from 52 banks' own terms and pages, each quoted and re-read daily, for what that data leaves out (offer end dates, who a card is open to); American Express, Wizit and Zip, which publish no product data feed, are read from their own pages and Key Facts Sheets, each figure quoted and re-read daily. Choose a personal or business card and what to rank by: the lowest purchase rate for a reader who carries a balance, no annual fee for one who pays in full, the longest balance transfer offer for one moving a debt, or rewards cards by what they cost to hold. Each bank appears once, at its card that ranks best for that view. 52 issuers are ranked for a personal credit card by lowest purchase rate.

Not every issuer is here. Covers the banks, credit unions and other card issuers on the Consumer Data Right register that publish credit cards, every rate and fee as the issuer's own feed states it, plus issuers that are not on the register (American Express, Zip's Zip Plus line of credit and Wizit's Wizitcard): their cards are read by hand from their own pages and Key Facts Sheets, each figure quoted from the sentence it came from and re-read daily (source_kind document). Latitude and other non-bank issuers are not here. Not every offer an issuer advertises is in its feed, and rewards points are not valued: the feeds name the programme, not what a point is worth.

Four rankings. Lowest purchase rate: every credit card with a purchase rate, cheapest to carry a balance on first; the annual fee breaks ties. No annual fee: only cards whose feed states a $0 card fee, by purchase rate. A fee the feed does not state is not $0, and a first-year waiver is not no fee. Balance transfer offer: cards with a promotional rate on a balance moved from another card, longest offer first, then the lowest rate, transfer fee and the rate it reverts to. Rewards cards by fee: cards naming a rewards programme, cheapest to hold first. The feeds do not say what a point is worth, so points are not ranked. A card's annual fee is the yearly figure; a monthly card fee is shown as twelve times itself, with the monthly amount beneath.

What the rank does not mean. A low purchase rate saves nothing for a reader who pays the statement in full each month; for them the fee and the rewards decide. A 0% balance transfer is paid for by its transfer fee and ends after its months, after which the balance is usually charged the cash advance rate. A rewards programme is named, not valued: no feed says what a point is worth. A fee the feed does not state is shown as not stated, not as $0. Not every issuer publishes its product data openly; American Express, Zip and Wizit are read from their own pages instead, and an issuer that is absent is not necessarily dearer. Banks are ranked by the figure the bank's own feed states for the chosen view; each bank appears once, at its card that ranks best for that view.

Card for

Rank by

List

Also show

Lowest purchase rate: every credit card with a purchase rate, cheapest to carry a balance on first; the annual fee breaks ties.

52 issuers are ranked for a personal credit card by lowest purchase rate

#	Bank	Card	Purchase rate p.a.	Annual fee	Interest-free days	Credit limit	Balance transfer	Rewards	Conditions	Links
1	CommBank	Interest-free Low Fee Credit Card	0.00%no interest; a card fee instead	$120$10 a month	—	$400 to $1,500	—	—	no interest is charged on purchases; the card costs $10.00 a month instead credit limit $400 to $1,500 Applications for Interest-free Low fee credit card are subject to CBA's lending policy for new Low Cost Credit Contracts.	details source bank terms key facts sheet
2	Wizit	Wizitcard	0.00%no interest; a card fee instead	$228$19 a month	0	$500 to $5,000	—	—	no interest is charged on purchases; the card costs $19.00 a month instead read from the issuer's own page and Key Facts Sheet correct as at 2026-09-14, each figure quoted and re-read daily the Monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used +8 more	details bank key facts sheet
3	Unity Bank	Low Rate Visa Credit Card	7.49%	$50	50	$1,000 to $75,000	—	—	credit limit $1,000 to $75,000	details source bank terms
4	Defence Bank	Foundation Credit Card	8.99%3.99% for 6 months	$45	55	—	3.99% for 6 monthsthen 8.99%	—	corrected from the bank's own page: 8.99% on purchases and cash advances, a $45 annual fee, and 3.99% for the first six months on purchases, balance transfers… the feed labels the card's rate as a variable rate rather than a purchase rate 3.99% on purchases for the first 6 months, then the purchase rate +1 more	details source bank terms key facts sheet
5	Auswide Bank	Low Rate Visa Credit Card	9.74%	$50	55	$500 to $50,000	—	—	credit limit $500 to $50,000 $20 late payment fee 3% currency conversion fee on transactions not in Australian dollars +2 more	details source bank terms key facts sheet
6	Westpac	Lite Card	9.90%	$108$9 a month	45	$1,000 to $20,000	—	—	credit limit $1,000 to $20,000 minimum income $30,000 a year Customer having a regular, verifiable Australian taxable income. +5 more	details source bank terms key facts sheet
7	Greater Bank	Visa Credit Card	9.95%	$49	55	$1,000 to $25,000	—	—	credit limit $1,000 to $25,000 Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments. employment status: Have a demonstrated ability to afford repayments	details source bank terms
8	Community First Bank	Low Rate Credit Card	9.99%	$50	55	from $500	—	—	interest is charged on purchases while a balance transfer is outstanding Australian citizen or permanent resident with a regular income, more than 6 months in the current job, no defaults in 5 years, not bankrupt Australian citizen or permanent resident only	details source bank terms key facts sheet
9	Coastline Bank	Visa Credit Card	10.24%	$0	55	from $500	0.00% for 6 months	—	corrected from the bank's own page: no annual fee, per the bank's card page ("No annual fees") and Key Facts Sheet; the feed states no card fee 0.00% on balance transfers for 6 months no annual fee; cash advance fee $3.50; Visa international transaction fee 3.65% +1 more	details source bank terms key facts sheet
10	First Option Bank	Visa Credit Card	10.49%	$48	45	from $500	—	—	no late payment fee 0.25% of card spending is given to conservation projects at no cost to the cardholder	details source bank terms key facts sheet
11	Border Bank	Credit Card	10.76%	$30	55	—	—	—	minimum credit limit $1,000 annual fee waived in the first year must be or become a Border Bank member, 18 or over, living in Australia (citizen, permanent or specified temporary resident, or NZ citizen) or an Australian ci…	details source bank terms key facts sheet
12	Police Bank	Credit Card	10.76%	$30	55	—	—	—	$30 annual fee waived in the first year minimum credit limit $1,000	details source bank
13	American Express	Low Rate Credit Card	10.99%	$0	55	from $1,000	—	—	read from the issuer's own page and Key Facts Sheet correct as at 2024-04-30, each figure quoted and re-read daily cash advances are not offered for incomes of at least $30,000 a year (its target market) +1 more	details bank terms key facts sheet
14	Bank First	Platinum Credit Card	11.49%	$99	55	from $6,000	—	—	credit limit from $6,000 Available to members only. a further $20 arrears fee once a repayment is 30 days overdue +2 more	details source bank terms key facts sheet
15	BCU Bank	Classic Credit Card	11.95%	$45	52	$500 to $100,000	—	—	credit limit $500 to $100,000 Credit eligibilty criteria, terms and conditions, fees and charges apply. You must be or become a BCU Bank member +2 more	details source bank terms key facts sheet
16	Hume Bank	Visa Valuestale	11.95%	not stated	55	$500 to $20,000	—	—	not updated by the bank since 2026-05-01; check its page, as the rate or fee may have changed credit limit $500 to $20,000 2.85% foreign conversion fee on transactions in a currency other than Australian dollars +2 more	details source bank terms key facts sheet
17	Australian Military Bank	Low Rate Visa Credit Card	11.99%	$49	55	$2,000 to $50,000	0.00% for 12 monthsthen 11.99%	—	corrected from the bank's own page: a 3.00% foreign currency conversion fee, per the bank's Fees and Charges Schedule (effective 15 August 2026), which the car… 0.00% on balance transfers for 12 months, then 11.99% (the purchase rate) credit limit $2,000 to $50,000 +3 more	details source bank terms key facts sheet
18	Newcastle Permanent	Value Plus Credit Card	11.99%	$49	55	$500 to $20,000	—	—	credit limit $500 to $20,000 employment status: Have a demonstrated ability to afford repayments Applicants must meet applicable identification requirements and lending criteria, including demonstrating an ability to afford repayments.	details source bank terms
19	P&N Bank	Visa Classic	11.99%	$49	45	$1,000 to $100,000	—	—	credit limit $1,000 to $100,000 Credit eligibilty criteria, terms and conditions, fees and charges apply. You must be or become a P&N Bank member +3 more	details source bank terms key facts sheet
20	Summerland Bank	Low Rate Credit Card	11.99%	$49	56	—	0.00% for 9 months	—	corrected from the bank's own page: 11.99% on purchases, 15.99% on cash advances and up to 56 interest-free days, per the bank's Key Facts Sheet (correct as at… 0.00% on balance transfers for 9 months no late payment fee +6 more	details source bank terms key facts sheet
21	Bendigo Bank	Bright Credit Card	11.99%	$59	55	$1,000 to $30,000	—	—	credit limit $1,000 to $30,000 cash advance fee $3 or 3%, whichever is greater Australian citizens or permanent residents living or working in Australia; personal use only	details source bank terms key facts sheet
22	Credit Union SA	Visa Credit Card	11.99%	$59	—	$1,000 to $20,000	0.00% for 6 months0% fee, then 11.99%	—	corrected from the bank's own page: the credit union's page offers 0% on balance transfers for 6 months, at any time to new or existing cardholders, with no tr… credit limit $1,000 to $20,000 0% on balance transfers for 6 months, available any time to new or existing cardholders, no transfer fee; then 11.99%	details source bank terms key facts sheet
23	Great Southern Bank	Low Rate Credit Card (New)	11.99%	$60$5 a month	55	from $500	—	—	Applications for credit cards are subject to credit approval. cash advance fee 2% of the amount, minimum $3.50 foreign exchange fee 3.40% on purchases and cash advances in foreign currency or with overseas merchants	details source bank terms key facts sheet
24	Bank Australia	Low Rate Visa Credit Card	12.34%	$0	—	from $1,000	0.00% for 6 monthsthen 12.34%	—	confirmed on the bank's own page: 12.34% on purchases and cash advances (from 1 November 2026), no annual fee and 0% for 6 months on balance transfers 0.00% on balance transfers for 6 months, then 12.34% (the purchase rate) Each application for credit is subject to our normal lending criteria and approval. +4 more	details source bank terms key facts sheet
25	Qudos Bank	Lifestyle	12.34%	$0	—	$1,000 to $20,000	—	—	corrected from the bank's own page: 12.34% and no annual fee, per the Key Facts Sheet on the bank's rates page effective 1 November 2026 (a footnote on the car… credit limit $1,000 to $20,000 existing Qudos Bank customers only; new customers are sent to Bank Australia	details source bank terms
26	The Mutual Bank	Mutual Visa Credit Card	12.49%	$49	55	$500 to $20,000	—	—	credit limit $500 to $20,000	details source bank terms
27	Beyond Bank Australia	Low Rate Credit Card	12.49%	$59	62	$1,000 to $80,000	0.00% for 12 months	—	0.00% on balance transfers for 12 months; new cards credit limit $1,000 to $80,000 Lending criteria applies. +4 more	details source bank terms key facts sheet
28	Horizon Bank	Visa Credit Card	12.95%4.99% for 5 months	$49	55	$500 to $30,000	—	—	corrected from the bank's own page: a $49 annual fee, 4.99% for the first 5 months and a $30,000 maximum limit, per the bank's Key Facts Sheet ("Annual fee $49… 7.96% on purchases for the first 5 months, then the purchase rate $49 annual fee +4 more	details source bank terms key facts sheet
29	People First Bank / Heritage Bank	Visa Credit Card	12.95%2.99% for 6 months	$59	62	from $1,000	2.99% for 6 months	—	corrected from the bank's own page: a $59 annual fee and up to 62 interest-free days, per the bank's card page ("Annual Visa Credit Card Fee $59 per account";… 2.99% on purchases for the first 6 months, then the purchase rate 2.99% on balance transfers for 6 months +3 more	details source bank terms key facts sheet
30	ING	Orange One Low Rate	12.99%	$48	45	$1,000 to $30,000	—	—	credit limit $1,000 to $30,000 minimum income $36,000 a year Have and maintain an Australian residential address. +2 more	details source bank terms key facts sheet
31	Bankwest	Breeze Platinum Mastercard	12.99%	$59	55	from $1,000	0.00% for 24 months3% fee, then 12.99%	—	0.00% on balance transfers for 24 months, 3% transfer fee, then 12.99% (the balance transfer rate); new cards Customers must meet Bankwest's credit assessment criteria, which includes demonstrating the capacity to service the credit facility. no foreign transaction fees or overseas ATM fees +4 more	details source bank key facts sheet
32	Virgin Money	Low Rate Credit Card	12.99%	$99	55	from $2,000	0.00% for 24 months3% fee, then 21.69%	Virgin Money Rewards	0.00% on balance transfers for 24 months, 3% transfer fee, then 21.69% (the cash advance rate) minimum income $35,000 a year balance transfers limited to 80% of the credit limit and must be requested when applying; no points on transferred balances	details source bank terms
33	SWS Bank	Visa Credit Card	13.45%	$30	55	$500 to $20,000	—	—	corrected from the bank's own page: 13.45% on purchases, a $30 annual fee and up to 55 days interest-free credit limit $500 to $20,000	details source bank terms key facts sheet
34	Bank of China	Great Wall International MasterCard Credit Card (Low Rate Card)	13.49%	$40	50	from $500	—	Rewards Points	corrected from the bank's own page: 13.49% on purchases for the Low Interest Card, per the bank's Credit Card Rates and Fees (effective 2 July 2026); the feed… up to 55 interest-free days on purchases (feed says 50) rewards points expire two years after they are earned	details source bank terms
35	Coles Credit Cards	Low Rate Mastercard	13.49%	$58	55	$1,000 to $60,000	0.00% for 18 months3% fee, then 20.74%	Flybuys	corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 18 months with a 3% fee, reverting to the cash advance rate, for new c… credit limit $1,000 to $60,000 must be an Australian resident for tax purposes with a regular income +4 more	details source bank terms key facts sheet
36	Zip	Zip Plus	13.70%	$119.40$9.95 a month	0	$2,000 to $20,000	—	—	read from the issuer's own page, each figure quoted and re-read daily the Monthly Account Fee is waived in any month with nothing owing at the end of the month no interest in a month in which the month-end balance is $1,000 or less; the rate applies above that +9 more	details bank
37	ANZ	Low Rate	13.74%	$58	55	from $1,000	0.00% for 26 months3% fee, then 23.49%	—	0.00% on balance transfers for 26 months, 3% transfer fee, then 23.49% (the balance transfer rate) balance transfers from non-ANZ cards only, requested when you apply for new cards only +5 more	details source bank terms key facts sheet
38	BankVic	Low Rate Visa Credit Card	13.95%8.99% for 6 months	not stated	44	$1,000 to $10,000	8.99% for 6 monthsthen 13.95%	—	corrected from the bank's own page: 8.99% for the first six months on purchases, per the bank's Key Facts Sheet (correct as at August 2026: "Promotional Introd… credit limit $1,000 to $10,000 BankVic member +1 more	details source bank terms key facts sheet
39	BOQ	Low Rate Visa Credit Card	13.99%	$65	55	$2,000 to $30,000	0.00% for 24 months3% fee, then 21.99%	—	0.00% on balance transfers for 24 months, 3% transfer fee, then 21.99% (the cash advance rate) credit limit $2,000 to $30,000 minimum income $25,000 a year +6 more	details source bank terms
40	Bank of Melbourne	Vertigo	13.99%	$84$7 a month	55	$500 to $80,000	0.00% for 20 months3% fee, then 21.99%	—	0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards the first-year fee waiver in the feed is for the bank's existing customers only credit limit $500 to $80,000 +6 more	details source bank terms key facts sheet
41	BankSA	Vertigo	13.99%	$84$7 a month	55	$500 to $80,000	0.00% for 20 months3% fee, then 21.99%	—	0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards the first-year fee waiver in the feed is for the bank's existing customers only credit limit $500 to $80,000 +6 more	details source bank terms key facts sheet
42	St.George Bank	Rainbow Vertigo Card	13.99%	$84$7 a month	55	$500 to $80,000	0.00% for 20 months3% fee, then 21.99%	—	0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards the first-year fee waiver in the feed is for the bank's existing customers only credit limit $500 to $80,000 +5 more	details source bank terms key facts sheet
43	NAB	Low Rate Card	13.99%	$99	55	from $1,000	0.00% for 26 months3% fee, then 22.99%	—	corrected from the bank's own page: the bank's page offers 0% on balance transfers for 26 months with a 3% fee; its feed record still says 24 0.00% on balance transfers for 26 months, 3% transfer fee, then 22.99% (the balance transfer rate) Lending criteria apply +6 more	details source bank terms key facts sheet
44	Northern Inland Credit Union	Classic Credit Cardstale	14.00%	$40	—	—	—	—	not updated by the bank since 2026-01-21; check its page, as the rate or fee may have changed Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application.	details source bank terms
45	Police Credit Union	Extralite Credit Card	14.24%	$0	44	$1,000 to $10,000	—	—	corrected from the bank's own page: no annual fee, up to 44 interest-free days and limits of $1,000 to $10,000, per the credit union's card page ("No monthly,… late payment fee $15 at 21 days in arrears and $25 at 35 days no annual or monthly card fee +2 more	details source bank terms key facts sheet
46	Regional Australia Bank	Your Choice Visa Credit Card	14.69%	$40	55	from $500	—	—	As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account. Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply. employment status: Borrowers must demonstrate at least 6 months continuing employment history at the time of application: Ongoing Employment	details source bank terms
47	Queensland Country Bank	Visa Credit	14.99%	$39	55	$500 to $60,000	—	—	credit limit $500 to $60,000	details source bank terms key facts sheet
48	MyCard	Clear	14.99%	$149	44	$2,000 to $100,000	0.00% for 24 months3% fee, then 22.24%	—	corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 24 months with a 3% fee, reverting to the cash advance rate; its feed… credit limit $2,000 to $100,000 cash advance fee 3.5%, minimum $3.50, in Australia and overseas +3 more	details source bank terms
49	BOQ Specialist	Signature Visa Credit Card	20.50%	$400	—	from $15,000	—	Frequent Flyer Rewards	credit limit from $15,000 minimum income $120,000 a year Product is generally offered to medical, dental, veterinary or accounting professions and their associates and suppliers +4 more	details source bank terms key facts sheet
50	Qantas Money Credit Cards	Money Everyday Credit Card	20.99%	$99	44	$4,000 to $30,000	0.00% for 24 months3% fee, then 21.99%	Qantas Frequent Flyer	corrected from the bank's own page: 20.99% on purchases, a $99 annual fee and up to 44 days interest-free; 0% on balance transfers for 24 months with a 3% fee… credit limit $4,000 to $30,000 minimum income $35,000 a year +7 more	details source bank terms key facts sheet
51	Revolut	Credit Card	20.99%	not stated	44	$1,000 to $35,000	—	RevPoints	credit limit $1,000 to $35,000 minimum income $2,000 a year	details source bank terms
52	Kogan Money Credit Cards	Money Black Credit Card	21.99%	$0	44	$6,000 to $30,000	0.00% for 6 months0% fee, then 22.74%	Kogan Money Credit Cards Rewards	corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 6 months with no transfer fee, reverting to the cash advance rate; its… credit limit $6,000 to $30,000 minimum income $35,000 a year +9 more	details source bank terms key facts sheet

This comparison covers the rates, fees, offers and features the issuers publish in their feeds or, for an issuer with no feed, on the pages quoted. It does not compare everything that may matter to you, such as rewards earn rates, insurance benefit limits, credit limits offered, or how an application is assessed. We receive no payment from any lender for inclusion or ranking.

Rates are per annum as published by the bank. A "stale" mark means the bank has not updated the record for over 180 days, or that a sentence a document-sourced card was quoted from could not be found today. One entry per bank per slice, among its credit cards open to the slice's segment. low_rate: the lowest ongoing purchase rate (then the lowest annual fee, an unstated fee last; then name). no_annual_fee: the cards whose feed states a $0 annual or monthly card fee, by purchase rate; a fee the feed does not state is not $0. balance_transfer: the cards with a promotional balance transfer offer, longest first, then the lowest promotional rate, transfer fee and revert rate. rewards: the cards naming a rewards programme, by annual fee, then purchase rate; points are not valued. annual_fee is yearly: a monthly card fee is multiplied by twelve, with the monthly figure in fee_as_stated. Charge cards, corporate and purchasing card programmes, debit cards, staff cards and cards closed to new customers are not ranked; a card with no purchase rate ranks only in balance_transfer, and only when it has an offer. Student cards, companion cards (open only to holders of another of the issuer's cards) and lenders open only to certain occupations are left out of these rankings; each slice file also carries entries_all, the same ranking with them in. A record not updated for more than 180 days before the fetch is ranked with record_stale true and a condition saying so. Click a bank for every card it publishes. The "details" link opens the card's own page here, "source" our snapshot of the bank's product record, "terms" the terms and conditions its feed links to, and "key facts sheet" an issuer's regulatory fact sheet; "bank" is the issuer's own page for the card.

Questions

Which ranking should I use?

If you carry a balance from month to month, rank by purchase rate: that is what the interest costs. If you pay the statement in full every month you pay no purchase interest on any card, so rank by annual fee ("No annual fee") or, if you want points, "Rewards cards by fee". If you are moving a debt from another card, rank by the balance transfer offer. Each bank appears once in each ranking, at its card that ranks best for it.

How many interest-free days does a card have, and what do they mean?

interest_free_days is the most days between a purchase and its due date when the previous statement was paid in full; a purchase made late in the cycle gets far fewer. Cash advances never have them, and nor do purchases while a balance transfer is owing. A reader who pays in full every month pays no purchase interest on any card, so for them the fee and rewards matter and the rate does not.

Why is a fee shown as not stated?

The bank's product data lists a card fee with no amount, or no card fee at all. Today 3 of the 52 banks in the default view are like this. A fee the feed does not state is not treated as $0: such a card is never in the "No annual fee" ranking, and the fee column says "not stated". The bank's own page (the "bank" link) has the fee.

Why is an annual fee shown for a card with a monthly fee?

Several banks charge a monthly card fee instead of an annual one; 8 of the 52 banks in the default view do. The table shows the yearly cost so cards compare, with the monthly figure beneath it. The JSON carries both: annual_fee is yearly and fee_as_stated is what the bank charges each period.

What does a balance transfer offer cost?

A promotional rate, usually 0%, on a balance moved from another card, for the months stated. Most banks charge a transfer fee of a few percent of the amount moved, up front, which is shown beside the offer; after the months end the remaining balance is charged the revert rate, most often the card's cash advance rate. Purchases made while a transferred balance is owing usually earn interest from the day they are made. The ranking is by length of offer, then rate, fee and revert rate; a reader who will clear the debt quickly may do better with a shorter offer and no fee.

Why are rewards cards ranked by fee rather than by points?

The banks' feeds name the programme and sometimes a sign-up offer, but never the earn rate or what a point is worth, so no honest ranking by value is possible from this data. The rewards ranking lists the cards that name a programme, cheapest to hold first; the programme's own terms give the earn rates and caps.

What is a 0% purchase rate with a monthly fee?

A few cards (CommBank's Interest-free Low Fee Credit Card and Wizit's Wizitcard) charge no interest at all and a fixed monthly fee instead. They rank first by purchase rate because 0% is their rate; whether they are cheap depends on the balance carried against the fee, which the conditions column states.

Top 10 today

The 10 best-ranked cards for a personal credit card by lowest purchase rate, as the page was built; the full ranking is above
#	Bank	Card	Purchase rate	Annual fee	Balance transfer	Rewards
1	CommBank	Interest-free Low Fee Credit Card	0.00%	$120$10 a month	—	—
2	Wizit	Wizitcard	0.00%	$228$19 a month	—	—
3	Unity Bank	Low Rate Visa Credit Card	7.49%	$50	—	—
4	Defence Bank	Foundation Credit Card	8.99%	$45	3.99% for 6 months	—
5	Auswide Bank	Low Rate Visa Credit Card	9.74%	$50	—	—
6	Westpac	Lite Card	9.90%	$108$9 a month	—	—
7	Greater Bank	Visa Credit Card	9.95%	$49	—	—
8	Community First Bank	Low Rate Credit Card	9.99%	$50	—	—
9	Coastline Bank	Visa Credit Card	10.24%	$0	0.00% for 6 months	—
10	First Option Bank	Visa Credit Card	10.49%	$48	—	—

About this data

Every Australian data holder must publish its product reference data through the Consumer Data Right without authentication. That is why coverage of the data holders is complete and their figures compare. We fetch each brand's credit and charge cards, read the purchase and cash advance rates, the card fee, the interest-free days, any balance transfer or introductory offer, the rewards programme and the insurances from each record, and keep the bank's wording of the conditions. On top of that, what the record leaves out, such as when an offer ends or who a card is open to, is read from the banks' own documents: 487 terms from 52 banks' own terms and pages, each quoted and re-read daily; where the bank's own page contradicts its record we follow the page, quoting it, until the bank republishes the record. An issuer that is not a data holder (American Express, Zip, Wizit) is read by hand from its own pages and, where it publishes one, its Key Facts Sheet instead: each figure carries the sentence it was quoted from, every sentence is re-read daily, and a card whose sentence has gone is marked. The same records are published as JSON, each with its source URL and the issuer's last-updated or document date, and source_kind says which route a card came by:

questions.json: what to establish before answering a credit card question, what is most often misread, and which file answers what.
best.json: the banks ranked for each segment and ranking kind.
/au/finance/credit-cards/v1/best/<segment>/<kind>.json: one of those rankings on its own (entries, which leaves out student cards and occupation-limited lenders), with entries_all, the same ranking with them in, beside it, such as best/personal/low_rate.json for the table above; top/personal/low_rate.json is its top 10, cut to the fields needed to quote a card.
/au/finance/credit-cards/v1/cards/<segment>/<kind>.json: every qualifying card for a view in the same order, not one per bank (the "Every card" button), such as cards/personal/low_rate.json.
rates.json: every card, ranked or not, with its rates, fees, offers, features and the reason a card is not ranked.
brands.json: the register snapshot, with each brand's ABN and the brands that share it.
documents.json: the issuers read from their own documents, every quoted sentence, and the latest re-read of each.
index.json: the dataset index, listing the per-bank files (brands/<brand_slug>.json) and the verbatim snapshots of the banks' product records behind every row; openapi.json describes every file.

Banks

All 62 banks with a ranked credit card, each linking to every card it publishes; every card has a page of its own.

Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Rates, fees and offers change without notice and issuers may apply conditions not captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.