CardSense Card Index · Week of 2026-09-07
Australian credit cards, cheapest rate first
Ranked by the ongoing purchase interest rate: the sustainable number that bites when you carry a balance. Introductory and balance-transfer teasers are flagged separately, never counted as the headline rate. An indicative snapshot compiled from the government's Consumer Data Right, reviewed weekly.
9.74%Sharpest ongoing rate
15.90%Typical ongoing (median)
16.51%Market average
86Cards tracked
Every figure above is an ongoing purchase rate. 27 of 86 cards also run an intro or balance-transfer promo, badged in the table, excluded from these stats.
The loyalty tax
The sharpest ongoing purchase rate we track is 9.74%, but the typical card sits at 15.90%, 6.16% more. On a balance you carry month to month, that gap is money handed back for not checking. (We compare ongoing rates only: a 0% intro that reverts to 22% is not a real saving.)
Every card, ranked
| # | Card | Purchase rate (ongoing) | Cash advance | Annual fee | Rewards |
|---|---|---|---|---|---|
| 1 | CommBank Neo Card CommBank | 0.00% | — | Yes (amount n/a) | None |
| 2 | Interest-free Low Fee credit card CommBank | 0.00% | — | No annual fee | None |
| 3 | LOW RATE VISA CREDIT CARD A-Auswide Bank Intro rate0.00% p.a. on balance transfers, then the ongoing rate applies | 9.74% | 9.74% | Yes (amount n/a) | None |
| 4 | Visa Credit Card Greater Bank | 9.95% | 9.95% | Yes (amount n/a) | None |
| 5 | Visa Credit Card Coastline Bank | 9.99% | 9.99% | Yes (amount n/a) | None |
| 6 | Visa Credit Card Bank of us | 9.99% | 9.99% | Yes (amount n/a) | None |
| 7 | Credit Card Police Bank | 10.76% | 10.76% | Yes (amount n/a) | None |
| 8 | Police Student Credit Card Police Bank Intro rate · 3 moreverts to 10.76% after 3 months | 10.76% | 10.76% | Yes (amount n/a) | None |
| 9 | Credit Card Border Bank | 10.76% | 10.76% | Yes (amount n/a) | None |
| 10 | Platinum Credit Card Bank First Production | 11.49% | 19.59% | Yes (amount n/a) | None |
| 11 | Workplace Benefits Credit Card Credit Union SA Intro rate · 6 moreverts to 11.49% after 6 months | 11.49% | 11.49% | No annual fee | None |
| 12 | Education Community Credit Card Credit Union SA Intro rate · 6 moreverts to 11.49% after 6 months | 11.49% | 11.49% | No annual fee | None |
| 13 | Classic Credit Card bcu | 11.95% | 14.80% | Yes (amount n/a) | None |
| 14 | Low Rate Credit Card Beyond Bank Australia Intro ratereverts to 4.99% | 11.99% | 11.99% | Yes (amount n/a) | None |
| 15 | Low Rate Visa Credit Card AMB Bank Product | 11.99% | 19.99% | Yes (amount n/a) | None |
| 16 | Low Rate Visa Credit Card RSL Money Prod | 11.99% | 19.99% | Yes (amount n/a) | None |
| 17 | Bendigo Bright Credit Card Bendigo Bank | 11.99% | 19.99% | Yes (amount n/a) | None |
| 18 | P&N Bank Visa Platinum P&N Bank | 11.99% | 19.99% | Yes (amount n/a) | None |
| 19 | P&N Bank Visa Classic P&N Bank | 11.99% | 19.99% | Yes (amount n/a) | None |
| 20 | Visa Credit Card Credit Union SA | 11.99% | 11.99% | No annual fee | None |
| 21 | Low Rate Credit Card (New) Great Southern Bank | 11.99% | 21.74% | No annual fee | None |
| 22 | Value Plus Credit Card Newcastle Permanent | 11.99% | 11.99% | Yes (amount n/a) | None |
| 23 | Lifestyle Qudos Bank Intro rate · 5 moreverts to 12.34% after 5 months | 12.34% | 12.34% | Yes (amount n/a) | None |
| 24 | Classic Credit Card Bank First Production | 12.54% | 12.54% | Yes (amount n/a) | None |
| 25 | Orange One Low Rate ING BANK (Australia) Ltd | 12.99% | 12.99% | Yes (amount n/a) | None |
| 26 | Bankwest Breeze Platinum Mastercard Bankwest Intro rate · 24 moreverts to 12.99% after 24 months | 12.99% | 21.99% | Yes (amount n/a) | None |
| 27 | Bankwest Breeze Classic Mastercard Bankwest Intro rate · 24 moreverts to 12.99% after 24 months | 12.99% | 21.99% | Yes (amount n/a) | None |
| 28 | Low Rate Visa Credit Card Bank Australia Intro rate · 6 mo0.00% p.a. on balance transfers for 6 months, then the ongoing rate applies | 12.99% | 12.99% | Yes (amount n/a) | None |
| 29 | Rewards Credit Card bcu | 13.05% | 14.80% | Yes (amount n/a) | Rewards |
| 30 | Visa Credit Card WOOLWORTHS TEAM BANK | 13.45% | 13.45% | No annual fee | None |
| 31 | NAB Low Rate Card NATIONAL AUSTRALIA BANK Intro rate · 24 mo0.00% p.a. on balance transfers for 24 months, then the ongoing rate applies | 13.49% | 21.74% | Yes (amount n/a) | None |
| 32 | Coles Low Rate Platinum Mastercard Coles Credit Cards | 13.49% | 20.74% | Yes (amount n/a) | Rewards |
| 33 | Low Rate Visa Credit Card BankVic Intro rate · 6 moreverts to 13.95% after 6 months | 13.95% | 13.95% | No annual fee | None |
| 34 | Rainbow Vertigo Card St.George Bank | 13.99% | 21.99% | No annual fee | None |
| 35 | Low Rate credit card CommBank | 13.99% | 21.99% | Yes (amount n/a) | None |
| 36 | Classic Credit Card NORTHERN INLAND CREDIT UNION LTD. Intro rate0.00% p.a. on balance transfers, then the ongoing rate applies | 14.00% | 14.00% | Yes (amount n/a) | None |
| 37 | Your Choice Visa Credit Card Regional Australia Bank | 14.69% | 14.69% | Yes (amount n/a) | None |
| 38 | Visa Credit Queensland Country Bank | 14.74% | 14.74% | Yes (amount n/a) | None |
| 39 | Visa Credit My Rewards Queensland Country Bank | 14.74% | 14.74% | Yes (amount n/a) | Rewards |
| 40 | Bankwest More Classic Mastercard Bankwest Intro rate · 6 moreverts to 14.99% after 6 months | 14.99% | 21.99% | Yes (amount n/a) | Rewards |
| 41 | Bankwest More Platinum Mastercard Bankwest Intro rate · 6 moreverts to 14.99% after 6 months | 14.99% | 21.99% | Yes (amount n/a) | Rewards |
| 42 | Bankwest More World Mastercard Bankwest Intro rate · 6 moreverts to 14.99% after 6 months | 14.99% | 21.99% | Yes (amount n/a) | Rewards |
| 43 | MyCard Clear MyCard | 14.99% | 22.24% | Yes (amount n/a) | None |
| 44 | Lifestyle Plus Qudos Bank Intro rate · 5 moreverts to 15.85% after 5 months | 15.85% | 15.85% | Yes (amount n/a) | None |
| 45 | Macquarie Ratesaver Card Macquarie | 15.95% | 15.95% | Yes (amount n/a) | Rewards |
| 46 | Orange One Rewards Platinum ING BANK (Australia) Ltd | 16.99% | 16.99% | Yes (amount n/a) | Rewards |
| 47 | Virtual Cards CommBank | 17.99% | 17.99% | No annual fee | None |
| 48 | Qantas Credit Card BankVic Intro rate · 6 moreverts to 18.95% after 6 months | 18.95% | 18.95% | No annual fee | Rewards |
| 49 | VISA Platinum Credit Card Qudos Bank Intro rate · 5 moreverts to 18.99% after 5 months | 18.99% | 18.99% | Yes (amount n/a) | Rewards |
| 50 | Bankwest Zero Platinum Mastercard Bankwest Intro rate · 6 moreverts to 18.99% after 6 months | 18.99% | 21.99% | Yes (amount n/a) | None |
| 51 | Bankwest Zero Classic Mastercard Bankwest Intro rate · 6 moreverts to 18.99% after 6 months | 18.99% | 21.99% | Yes (amount n/a) | None |
| 52 | Visa Credit Card Bank Australia | 19.74% | 19.74% | Yes (amount n/a) | None |
| 53 | Qantas Platinum Credit Card Bendigo Bank | 19.99% | 21.99% | Yes (amount n/a) | Rewards |
| 54 | Platinum Rewards Credit Card Bendigo Bank | 19.99% | 21.99% | Yes (amount n/a) | Rewards |
| 55 | Bendigo Ready Credit Card Bendigo Bank | 19.99% | 19.99% | Yes (amount n/a) | None |
| 56 | Bankwest Qantas Platinum Mastercard Bankwest Intro rate · 9 moreverts to 19.99% after 9 months | 19.99% | 21.99% | Yes (amount n/a) | Rewards |
| 57 | Bankwest Qantas World Mastercard Bankwest Intro rate · 9 moreverts to 19.99% after 9 months | 19.99% | 21.99% | Yes (amount n/a) | Rewards |
| 58 | Platinum Credit Card Great Southern Bank | 19.99% | 21.74% | No annual fee | None |
| 59 | Bank of China Great Wall International MasterCard Credit Card (Low Fee Card) Bank of China | 19.99% | — | Yes (amount n/a) | None |
| 60 | Bank of China Great Wall International MasterCard Credit Card (Gold Card) Bank of China | 19.99% | — | Yes (amount n/a) | None |
| 61 | Bank of China Great Wall International MasterCard Credit Card (Low rate Card) Bank of China | 19.99% | — | Yes (amount n/a) | None |
| 62 | Bank of China Great Wall International MasterCard Credit Card (Student Card) Bank of China | 19.99% | — | Yes (amount n/a) | None |
| 63 | Bank of China Global UnionPay Card Bank of China | 19.99% | — | Yes (amount n/a) | None |
| 64 | Platinum Visa Credit Card Bank Australia | 20.24% | 20.24% | Yes (amount n/a) | Rewards |
| 65 | Macquarie Platinum Card Macquarie | 20.70% | 20.70% | Yes (amount n/a) | Rewards |
| 66 | Macquarie Black Card Macquarie | 20.70% | 20.70% | Yes (amount n/a) | Rewards |
| 67 | Coles No Annual Fee Platinum Mastercard Coles Credit Cards | 20.74% | 20.74% | Yes (amount n/a) | Rewards |
| 68 | Coles Rewards Platinum Mastercard Coles Credit Cards | 20.74% | 20.74% | Yes (amount n/a) | Rewards |
| 69 | Revolut Credit Card Revolut | 20.99% | 23.99% | No annual fee | None |
| 70 | Amplify Qantas Signature St.George Bank | 20.99% | 21.99% | Yes (amount n/a) | Rewards |
| 71 | NAB Rewards Signature Card NATIONAL AUSTRALIA BANK Intro rate · 12 moreverts to 21.74% after 12 months | 20.99% | 21.74% | No annual fee | Rewards |
| 72 | NAB Qantas Rewards Premium Card NATIONAL AUSTRALIA BANK Intro rate · 12 moreverts to 21.74% after 12 months | 20.99% | 21.74% | Yes (amount n/a) | Rewards |
| 73 | NAB Rewards Platinum Card NATIONAL AUSTRALIA BANK Intro rate · 12 moreverts to 21.74% after 12 months | 20.99% | 21.74% | Yes (amount n/a) | Rewards |
| 74 | NAB Qantas Rewards Signature Card NATIONAL AUSTRALIA BANK Intro rate · 12 moreverts to 21.74% after 12 months | 20.99% | 21.74% | Yes (amount n/a) | Rewards |
| 75 | NAB Low Fee Card NATIONAL AUSTRALIA BANK Intro rate · 12 mo0.00% p.a. on balance transfers for 12 months, then the ongoing rate applies | 20.99% | 21.74% | Yes (amount n/a) | None |
| 76 | Smart Awards credit card CommBank | 20.99% | 21.99% | Yes (amount n/a) | Rewards |
| 77 | Low Fee credit card CommBank | 20.99% | 21.99% | Yes (amount n/a) | None |
| 78 | Ultimate Awards credit card CommBank | 20.99% | 21.99% | Yes (amount n/a) | Rewards |
| 79 | Awards credit card CommBank | 20.99% | 21.99% | Yes (amount n/a) | Rewards |
| 80 | Qantas Money Everyday Credit Card Qantas Money Credit Cards | 20.99% | 21.99% | Yes (amount n/a) | Rewards |
| 81 | Qantas Money Platinum Credit Card Qantas Money Credit Cards | 20.99% | 21.99% | Yes (amount n/a) | Rewards |
| 82 | Qantas Money Titanium Credit Card Qantas Money Credit Cards | 20.99% | 21.99% | Yes (amount n/a) | Rewards |
| 83 | Kogan Money Black Credit Card Kogan Money Credit Cards | 21.99% | 22.74% | Yes (amount n/a) | Rewards |
| 84 | MyCard Premier MyCard | 22.49% | 22.99% | Yes (amount n/a) | Rewards |
| 85 | MyCard Rewards MyCard | 22.49% | 22.99% | Yes (amount n/a) | Rewards |
| 86 | MyCard Premier Qantas MyCard | 22.49% | 22.99% | Yes (amount n/a) | Rewards |
| 87 | MyCard Simplicity MyCard | 22.49% | 22.99% | Yes (amount n/a) | None |
Advertised rates from issuer Product Reference Data under the Consumer Data Right. CDR reliably publishes whether a card has an annual fee but issuers rarely disclose the dollar amount, so the fee column shows “Yes / No annual fee” rather than an amount where none is published.
Want the raw data?
The same ranking is available as a free public JSON feed, for spreadsheets, bots and answer engines.
Methodology: cards are advertised consumer credit-card products sourced from issuer Product Reference Data under the Consumer Data Right, aggregated by CardSense as an indicative snapshot (not a live feed). Business, commercial and corporate cards are excluded. General information only, not credit assistance.