Best Credit Cards Australia 2025

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Affiliate Disclosure

BeforeYouInvest may earn a referral commission if you apply for a credit card via our links. This does not affect our editorial ratings or recommendations. Interest rates and offers are subject to change — always check with the provider directly.

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⭐ Editor's Top Pick — June 2025

American Express Platinum Edge

Best overall rewards card for everyday Australian spending

Apply Now →

3×
Points at supermarkets
2×
Points at petrol stations
1×
Points everywhere else
$195
Annual fee
20.74%
Purchase rate p.a.

Pros

Excellent supermarket earn rate
Transfer to 10+ airline partners
$200 travel credit annually
Complimentary travel insurance

Cons

Not accepted everywhere
High purchase interest rate
Requires good credit history

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ANZ Rewards Platinum

Rewards · ANZ Bank

Strong sign-up bonus with solid earn rate

150,000
Bonus points
1.5×
Pts per $1
$149
Annual fee

Rewards value

8.2

Fees

7.4

Acceptance

9.5

Affiliate

Commission via Commission Factory

Apply →

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NAB Qantas Rewards Signature

Frequent Flyer · NAB

Best for Qantas frequent flyers

120,000
Qantas pts bonus
1.0
Qantas pts per $1
$395
Annual fee

Qantas value

9.0

Fees

6.0

Perks

8.8

Affiliate

~$80–$120 CPA · Commission Factory

Apply →

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Westpac Low Rate Card

Low Rate · Westpac

Australia's lowest ongoing rate from a big four bank

13.74%
Purchase rate p.a.
0%
Balance transfer 18mo
$59
Annual fee

Rate value

8.8

Fees

8.5

Rewards

2.0

Affiliate

Commission Factory · ~$40–$60 CPA

Apply →

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Citi Prestige Card

Premium Rewards · Citi

Best for international travel and lounge access

200,000
Bonus Citi pts
Unlimited
Airport lounge access
$700
Annual fee

Travel perks

9.6

Earn rate

8.0

Value for fee

7.2

Affiliate

Citi direct affiliate · ~$100–$150 CPA

Apply →

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Bankwest Zero Platinum

No Annual Fee · Bankwest

Best no-fee card with travel insurance

$0
Annual fee — always
17.99%
Purchase rate p.a.
✓
Complimentary travel ins.

No-fee value

9.5

Perks

6.5

Rewards

1.0

Affiliate

Commission Factory · ~$40 CPA

Apply →

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Virgin Money Velocity Flyer

Velocity Frequent Flyer · Virgin Money

Best mid-tier Velocity points card

60,000
Velocity pts bonus
0.66
Velocity pts per $1
$129
Annual fee

Velocity value

7.6

Fees

7.8

Perks

7.0

Affiliate

Commission Factory · ~$60–$80 CPA

Apply →

Full Comparison Table

Card	Annual Fee	Purchase Rate	Sign-up Bonus	Earn Rate	Our Score
💳AmEx Platinum Edge	$195	20.74%	—	3× supermarkets	★★★★★ 9.1	Apply
✈️NAB Qantas Signature	$395	19.99%	120,000 pts	1.0 Qantas pts/$1	★★★★½ 8.6	Apply
🌐Citi Prestige	$700	21.49%	200,000 pts	1.0 Citi pts/$1	★★★★½ 8.4	Apply
🏦ANZ Rewards Platinum	$149	20.24%	150,000 pts	1.5 pts/$1	★★★★ 8.0	Apply
🎀Virgin Velocity Flyer	$129	20.74%	60,000 pts	0.66 Velocity/$1	★★★★ 7.8	Apply
💸Westpac Low Rate	$59	13.74%	0% BT 18mo	None	★★★★ 7.5	Apply
🎯Bankwest Zero Platinum	$0	17.99%	—	None	★★★★ 7.2	Apply

📋 Affiliate Program Setup Notes (Admin Only)

To activate affiliate links on this page, sign up to the following programs:

💳 American Express: Direct program — americanexpress.com/en-au → "Refer a Friend" or contact affiliates@americanexpress.com.au
🏦 ANZ, NAB, Westpac, Bankwest, Virgin Money: Commission Factory (commissionfactory.com) — search each brand in their marketplace
🌐 Citi Australia: Commission Factory or direct — citi.com.au affiliate contacts
📊 Finder integration: Finder has an affiliate program (finder.com.au/affiliates) that aggregates many cards with one link

Best Credit Cards Australia 2025 💳

American Express Platinum Edge

Full Comparison Table

📋 Affiliate Program Setup Notes (Admin Only)