Best Credit Cards in Australia
Comparing cards in Australia usually means picking a frequent-flyer program first, Qantas or Velocity, then finding the card that earns into it, with CommBank, Westpac, NAB, ANZ and Amex leading. Scores run 0 to 1200 depending on the bureau (around 700+ is generally considered good as of 2026). Low-rate balance-transfer offers are common, but points-earning cards often carry annual fees that only pay off if you redeem flights rather than gift cards. Surcharging on card payments is widespread here, which can quietly erode rewards, so confirm earn rates and fees on the issuer's site.
Top picks in Australia
American Express Qantas Ultimate Card
American Express Australia
Often the smartest premium Qantas pick because the annual Qantas travel credit can claw b…
NAB Qantas Rewards Signature Card
National Australia Bank (NAB)
A premium Qantas card that earns points fast and throws in annual Qantas Club lounge invi…
ANZ Frequent Flyer Black Credit Card
Australia and New Zealand Banking Group (ANZ)
Top-tier Qantas earning plus two Qantas Club lounge passes a year make this a high-spende…
Bankwest Zero Platinum Mastercard
Bankwest
The rare free card that also waives foreign transaction fees and includes overseas travel…
CommBank Neo Credit Card
Commonwealth Bank of Australia
A no-interest card built for predictable repayments: there's a flat monthly fee tied to y…
Westpac Altitude Platinum Credit Card
Westpac
The flexibility to switch between Qantas Points and Altitude Rewards is the reason to con…
CommBank Awards Credit Card
Commonwealth Bank of Australia
Reasonable for existing CommBank customers who want airline-transferable points and like…
Explore Australia credit cards
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