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Discover the top credit cards in Australia

Updated: 01.12.2025

Balance transfer credit cards

See a list of the top credit card with transfer balance offers

Best rewards credit cards

See the top credit cards with rewards points: Velocity, Qantas, flight

Best travel credit cards

See a list of the top credit cards for travelers

Cheap credit cards

See a list of the top australian credit cards

Everyday rewards credit cards

See a list of the top credit cards with everyday rewards

Personal credit cards for people with low credit ratings

See a list of the top credit cards for people with poor credit ratings

Personal credit cards for retirement

See a list of the top credit cards for seniors

Personal zero interest credit cards

See a list of the top credit cards with zero interest rates

Prepaid credit card

Discover the top prepaid credit card in Australia

Student credit cards

See a list of the top student credit cards

Virtual credit cards

Discover the top virtual credit cards in Australia

When applying for a credit card in Australia, first you shouldi dentify why you need a credit card (e.g., everyday purchases, travel, building credit). Decide which features are important to you, such as low interest rates, rewards programs, balance transfer offers, or no annual fees.

Look at different credit cards from various issuers. Compare interest rates, fees, rewards, and other features. Check customer reviews and expert opinions to find the best options. Select a card based on your research, choose a credit card that suits your needs and eligibility.

Gather required documentation like driver’s license, passport, recent pay slips, tax returns, or bank statements showing your income, information about your current employer and job status, details about your expenses, assets, and any existing debts.

Most credit card applications can be completed online through the issuer’s website. Some banks allow you to apply in person at a branch. Some issuers may provide instant approval, while others might take a few days to review your application. The issuer may contact you for further verification or additional documents.

If approved, you will receive your credit card by mail. Follow the instructions to activate your card, either online, over the phone, or through the issuer’s mobile app.