Visa credit cards

Comparison of Visa credit card rates, fees, and features.

Bill Ryan Natividad avatar
Written by   |  
David Boyd avatar
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Updated 28 Mar 2025   |   Rates updated regularly

Comparing of 18 Visa credit cards

NAB Low Rate Card (Cashback Offer)

Not available for application via this website

Highlights

  • Receive $300 cashback when you spend $1,500 on purchases within 90 days from account opening.
  • With a low annual fee of $59, this card helps keep your costs manageable.
  • Apply online in minutes and get a response in 60 seconds.

Pros

  • Earn a $300 cashback when you meet the criteria
  • The card has a variable purchase rate of 13.49% p.a.
  • Add a cardholder at no extra cost.
  • The credit limit starts at $1,000, making it a good option for those seeking a manageable starting limit.
  • Unlock exclusive offers on shows, events, and movies with your Visa Credit Card.
  • Includes Fraud protection.
  • Compatible with Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay.

Cons

  • This card doesn’t have a rewards program, but it may suit those who prefer a straightforward, no-frills option.
  • There is no complimentary insurance, which is typical for a low-rate credit card, but it could still be a good option if you're looking for a low-cost choice.
St.George Vertigo Visa Credit Card

Not available for application via this website

Highlights

  • Get a 0% interest rate on balance transfers for 24 months with a 1% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • Start with a credit limit as low as $500, helping you keep your spending in check.
  • Add 1 additional cardholder at no extra cost.

Pros

  • Get a limited edition exclusive rainbow design card.
  • A 13.99% p.a. variable rate keeps interest costs lower on purchases.
  • Low annual fee of $55 p.a.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Note that the balance transfer rate reverts to 21.99% p.a. after 24 months.
  • The 1% balance transfer fee is low but it can add up with large transfers
  • No rewards program which is typical for a basic card.
St.George Amplify Signature Credit Card (Qantas)

Not available for application via this website

Highlights

  • Earn 80,000 bonus Qantas points when you spend at least $6,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases with Qantas Frequent Flyer partners—once with your card and once with the airline partner.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros

  • Earn 80,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Includes fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.
NAB StraightUp Credit Card

Not available for application via this website

Highlights

  • Get the latest credit card from NAB - straightforward, affordable, and above all, interest-free!
  • No Use, No Pay. Should your NAB StraightUp credit card remain unused throughout the entire statement period, the monthly fee will be reimbursed. No unexpected charges!
  • Use your card for foreign currency transactions and get zero foreign transaction fees!
  • Consistent fixed minimum payments determined by your credit limit, providing you with assurance of monthly payment amounts.

Pros

  • Charges a monthly fee based on your selected credit limit.
  • The monthly fee will be reversed if you do not have any outstanding balance or purchase.
  • No interest charges or other fees, including foreign currency fees and late payment fees.

Cons

  • No rewards program for this card.
  • No balance transfers or cash advances.
NAB Rewards Signature Credit Card

Not available for application via this website

Highlights

  • Earn 3 NAB Reward Points on all purchases made online with Webjet.
  • Earn 1.5 NAB Reward Points on every $1 spend on eligible purchases.
  • No cap on the number of points you can earn, although the earn rate reduces to 0.5 points on spend above $15,000 in a statement period.
  • No foreign transaction fees on purchases or when shopping from overseas online stores.

Pros

  • Transfer points from NAB Rewards to Flybuys, Velocity Frequent Flyer, KrisFlyer, Asia Miles, Airpoints, or Accor Live Limitless.
  • Points can be redeemed for cashback, gift cards, and travel with Webjet.
  • Use points to shop the NAB Rewards Store.
  • Mobile insurance covering accidental damage and theft.
  • International and domestic travel insurance.
  • Access to select airport lounges if your flight is delayed by 60 minutes or more.
  • Comes with Purchase Protection and Extended Warranty insurance for added peace of mind.
  • 0% p.a. on balance transfers for 12 months.
  • Credit limits start from $15,000, which is more than enough for most.
  • Free additional cardholder, meaning you can put more spend through the card.
  • 24/7 access to the NAB Concierge Service for reservations and assistance.

Cons

  • There is a 3% balance transfer fee, which can be added to the balance.
  • Instead of an annual fee, there is a monthly fee, which is waived if you spend more than $5,000 in the statement period.
  • Up to 44 interest-free days when you pay the statement in full, which is on the low side.
  • Qantas Frequent Flyer is not a transfer partner.
  • Purchase rates are on the high side, if you carry a balance.
St.George Amplify Signature Credit Card (Amplify)

Not available for application via this website

Apply by 30 April 2025

St.George Amplify Signature Credit Card (Amplify)

Highlights

  • Earn 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
BankSA Vertigo Credit Card

Not available for application via this website

Apply by 30 April 2025

BankSA Vertigo Credit Card

Highlights

  • Get a 0% interest rate on balance transfers for 24 months with a 1% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • Start with a credit limit as low as $500, helping you keep your spending in check.
  • Add 1 additional cardholder at no extra cost.

Pros

  • A 13.99% p.a. variable rate keeps interest costs lower on purchases.
  • Low annual fee of $55 p.a.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Note that the balance transfer rate reverts to 21.99% p.a. after 24 months.
  • The 1% balance transfer fee is low but it can add up with large transfers
  • No rewards program which is typical for a basic card.
ANZ Low Rate Credit Card

Not available for application via this website

Highlights

  • 0% p.a. for 26 months on balance transfers with a 3% balance transfer fee (then reverts to 21.99% p.a.) Terms and Conditions apply.
  • The first-year annual fee is waived, saving you $58 upfront
  • Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.

Pros

  • Long 0% balance transfer period to tackle existing debt.
  • Get a continuous low rate of 13.74% p.a. on purchases.
  • You can add up to 3 additional cardholders at no extra cost.
  • Offers 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit is $1,000, helping you keep your spending in check
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Cons

  • There is a 3% BT fee.
  • No rewards program, which is expected for a low-rate card focused on affordability
  • No purchase or travel insurance is included.

NAB Low Fee Credit Card

Not available for application via this website

Highlights

  • Receive $200 cashback when you spend $1,500 on purchases within 90 days from account opening.
  • Get 0% p.a. on balance transfers for 12 months with a 3% fee, reverting to a 21.74% p.a. cash advance rate—a useful option for consolidating debt.
  • A low $30 annual fee makes it affordable for budget-conscious cardholders.

Pros

  • Earn a $200 cashback when you meet the criteria.
  • Apply online in minutes and get a response in 60 seconds.
  • Get an additional cardholder at no extra cost.
  • The credit limit starts at $1,000, making it a good option for those seeking a manageable starting limit
  • The Complimentary Purchase Protection Insurance allows you to shop with confidence.
  • Unlock exclusive offers on shows, events, and movies with your Visa Credit Card.
  • Includes Fraud protection.
  • Compatible with Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay.

Cons

  • As a low-fee credit card, it doesn't earn rewards.
  • Ongoing interest on purchases and cash advances is not low.
  • There’s a 3% balance transfer fee and shorter BT periods compared to other cards.
Bank of Melbourne Vertigo Visa Credit Card

Not available for application via this website

Highlights

  • Get a 0% interest rate on balance transfers for 24 months with a 1% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • Start with a credit limit as low as $500, helping you keep your spending in check.
  • Add 1 additional cardholder at no extra cost.

Pros

  • A 13.99% p.a. variable rate keeps interest costs lower on purchases.
  • Low annual fee of $55 p.a.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Note that the balance transfer rate reverts to 21.99% p.a. after 24 months.
  • The 1% balance transfer fee is low but it can add up with large transfers
  • No rewards program which is typical for a basic card.
St.George No Annual Fee Credit Card

Not available for application via this website

Highlights

  • A basic credit card with no annual fee—ever.
  • Start with a credit limit as low as $500, helping you keep your spending in check.
  • You can add up to three additional cardholders at no extra cost, making it a convenient option for sharing account benefits.

Pros

  • Get up to 55 interest-free days on purchases.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • This card does not include a rewards program, which is consistent with its positioning as a straightforward, no-frills option.
  • Ongoing rates are not low.
  • A 3% overseas transaction fee applies to international purchases
bcu Classic Credit Card

Not available for application via this website

Highlights

  • Acquire a low variable interest rate of 11.95% p.a. on purchases.
  • Receive 24-hour fraud monitoring as part of the package.
  • Take advantage of up to 52 interest-free days.

Pros

  • Competitive interest rate on purchases.
  • Supports Visa payWave.
  • Low minimum credit limit of $500.
  • Get up to $20,000 credit limit.

Cons

  • There is no rewards program for this card.
bcu Rewards Credit Card

Not available for application via this website

Highlights

  • Acquire a low variable interest rate of 13.05% p.a. for purchases.
  • Receive 0.66% cash back on every $1 spent on eligible transactions.
  • Take advantage of up to 52 interest-free days.

Pros

  • Competitive interest rate on purchases.
  • Earn cash back on eligible transactions.
  • Has 24-hour fraud monitoring and supports Visa payWave.

Cons

  • There is no sign-up bonus offer for this card right now.
BOQ Platinum Visa Credit Card

Not available for application via this website

Highlights

A hidden gem of a platinum card if you’re after rewards and perks. Spend $4,500 within 3 months and earn 100,000 Q Rewards points—which can be converted to Velocity or Flybuys points. Earn 2 Q Rewards points per $1 on eligible purchases, plus extras you'd expect with a platinum card, like purchase protection and travel insurance. Balance transfers get a 0% p.a. rate for 12 months (1% fee applies), reverting to 21.99% p.a. after that.


Pros

  • Get up to 100,000 Q Rewards points which can be used to redeem eVouchers or cashback, or converted to Velocity or Flybuys points.
  • Earn up to 2 Q Rewards Points for every $1 spent on eligible transactions.
  • 0% p.a. on balance transfers for 12 months with a 1% balance transfer fee.
  • Discounted annual fee of $75 for the first year.
  • Get up to 4 additional cardholders at no extra cost.

Cons

  • The $149 p.a. annual fee after the initial year.
  • There is a 1% balance transfer fee.
BankVic Qantas Visa Credit Card

Not available for application via this website

Highlights

  • 8.99% p.a. for 6 months on purchases and balance. Reverts to 18.95% p.a. after the promotional period.
  • $0 annual fee.
  • Comes with complimentary Qantas Frequent Flyer membership.
  • Includes complimentary overseas travel insurance.

Pros

  • Take advantage of the promotional rate on purchases and balance transfers.
  • No BT fee.
  • No annual fee ever.
  • Get an additional cardholder at no extra cost.
  • Earn 1 point for every $2 spent on eligible transactions.
  • Earn 1 point for $1 spent on Qantas flights.
  • Uncapped Qantas Points whenever you spend.
  • A low 2% currency conversion fee for international transactions.
  • Up to 55 interest-free days on purchases.
  • Credit limit range of $5,000 - $30,000.

Cons

  • There is no ongoing signup bonus promo for this card.
  • Exclusive to TPAV and VAU members only.

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