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Credit Cards in Australia
Reserve Bank of Australia, or better known as RBA is the central bank of Australia. The RBA main responsibility is monetary policy.
The Autralia central bank is an active participant in financial markets, manages Australia's foreign reserves, issues Australian currency notes and serves as banker to the Australian Government.
In accordance to RBA credit and charge card statistics, there are 14,223,670 of cardholders in Australia as at December 2008. As of December 2009, there are 14,432,460 of cardholders in Australia.
This shown the number of cardholders has increased by 208,790 or 1.47% in 12 months period. The low volume increase is inline with the financial sector crisis in 2009, where credit card issuers are
prudent in issuing new cards as well as closure of some old accounts.
Total Card Transactions and Credit Limits
Total credit and charge card transactions for year 2008 is A$220.18 billion with rollover balance of A$44.74 billion. The A$220.18 billion transactions are made up of A$12.92 billion cash advances and A$207.26 billion purchases.
Whereas the total card transactions for year 2009 is A$225.78 billion, with rollover balance of A$46.91 billion. The A$225.78 billion transactions are made up of A$11.44 billion cash advances and A$214.34 billion purchases.
Overall, the total card transactions increased by 2.54%, and rollover balance increased by 4.85% in 12 months period. The cash advances transaction has decreased significantly by 11.46% while the purchases transaction has increased by 3.42% in the same period.
The amount of credit limits issued for credit and charge card in Australia as at December 2008 is A$122.43 billion. As at December 2008, the total credit limits in Australia is A$126.69 billion. An increased of A$4.26 billion or 3.48% is observed.
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Get the best card credit offers Australia of your choice and enjoy the benefits and rewards today!
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For detailed card information or to apply, click on the link next to the card of your choice and a new window will be opened for you.
Here is a small list of popular credit cards in Australia.
The low rate Aussie MasterCard®, it’s a no-nonsense credit card with one of the lowest interest rates on purchases around. And, because everyone’s needs are different when it comes to credit cards, you can choose the special offer that suits you best for an even better deal to get you started.
A low interest rate of 2.99% p.a. on balance transfers for first 6 months1. Limited offer
2.99%p.a. on purchases for the first 6 months1
Reverts to a low ongoing rate, currently 12.99%p.a. on purchases2
Up to 55 days interest free credit on purchases
Low annual account fee of $49
24/7 online account access or over the phone
Fraud protection – and the confidence of knowing we’ll call you if we spot any suspicious use of your card
A 60-second response to your application
Shop safely online at participating merchants with MasterCard Securecode™
And you don’t have to be an Aussie customer to apply
For new applicants who apply before 30 September 2010 only
(1)From date of card approval. Promotional rate reverts to the standard variable interest rate applicable to purchases on your card six months after date of card approval and any balances that remain unpaid at the end of this period become subject to the standard variable interest rate applicable to purchases. Excludes cash equivalent transactions. Only valid for balance transfers from non-Aussie credit and store cards. Balance transfer rate applies only to balances transferred for six months from the date your card is approved, and then reverts to the standard variable rate applicable for purchases on your card. Interest accrues on balance transfers from the date the transfer is processed by us.
(2)The standard variable interest rate for purchases is 12.99 % p.a. and 19.79 % p.a. on cash advances. Interest rates current at 10 June 2010 and subject to change.
Save with low interest rate on purchases and enjoy 0% p.a. on balance transfers for the first 6 months*.
Key Features:
Low interest rate of 13.24% p.a. on purchases
Up to 3 additional cards at no extra cost
Up to 55 days interest free credit on purchases
Online Shopping guarantee
MasterCard applause™ - be entertained with exclusive tickets to theatre, dance, musicals and sporting events
MasterCard Travel Exclusives - special offers and great deals, simply for being a MasterCard cardholder
ANZ Falcon™ – provides advanced around the clock monitoring for suspicious transactions. So you can feel secure about purchases online, overseas or over the phone
‘Apply Now’ for ANZ Low Rate MasterCard and receive a response in 60 seconds. You don’t need to be an ANZ customer to apply for an ANZ Low Rate MasterCard. Terms & conditions available on application. Fees & charges apply.
Low rate of 12.24% p.a. on retail purchases and low annual fees, with no interest free days.
Low promotional balance transfer rate of 1.9% p.a. for 12 months on balances transferred
Generous credit limit of up to $20,000
A credit card that gives you the purchasing power you want and the financial flexibility you need
Low annual fee of $39 for primary cardholder and $15 for additional cardholders
Privileges and special offers
Special offers through Visa Entertainment, which brings the best entertainment experiences from concerts and cinema to sporting events and travel offers
Access 7 leading airlines
Enjoy freedom of the skies with the Gold Ascent Credit Card and complimentary enrolment in Membership Rewards Ascent. It's the world-class program that gives you premium rewards including flights with 7 leading airline partners:
Fly with Singapore Airlines, Virgin Atlantic and Virgin Blue:
1 Membership Rewards point = 1 airline rewards point.
Travel with Cathay Pacific, Malaysia Airlines & Thai Airways:
4 Membership Rewards points = 3 airline rewards points.
Take to the skies with Air New Zealand Airpoint™:
100 Membership Rewards points = 1 Airpoints Dollar.
Earn points with no expiry
There are no limits to the Membership Rewards points you can earn: your points aren't capped and won't expire as long as your account remains current. And best of all, with Ascent you'll need fewer credit card rewards points to fly than any other program in Australia. Here are the benefits at a glance:
$0 Annual Card Fee
$2 spent = 1 Membership Rewards point
24/7 online account access with paperless statements
Online fraud protection guarantee
$0 Supplementary Card fee
Up to 44 interest-free days
Interest rate - 20.49% p.a.
Membership Rewards Ascent allows you to choose from travel or a wide range of merchandise
Don't pay for things you don't use. Enjoy low rates and a low annual fee with Citi Clear Card.
11.99% p.a. Introductory rate on retail purchases(reverts to 15.49% p.a. after 12 months)
0% for 6 months on Balance Transfers
Access your account anywhere, anytime via Internet and phone banking
Up to 55 days interest free on retail purchases
Citibank World Privileges
Become one of the privileged few with exclusive upgrades, discounts and other benefits for hotels, restaurants, shops and entertainment across Australia and around the world.
Visa Entertainment Benefits
Open the VIP door with Visa Entertainment to access the hottest tickets for movies, shows, sports and travel.
Generous credit limit of up to $20,000
The purchasing power you need with the flexibility to suit your lifestyle.
The credit card that rewards you for reducing your balance. ‘Apply Now’ and receive a response in 60 secs.
Earn 1 Reward Point for every $1 you repay to your balance, including interest and fees on your ANZ Balance Visa and repayments on any balances transferred
Reward Points redeemable for Cash Back, Shopping Vouchers and Gift Cards
Competitive interest rate on purchases of 14.24% p.a.
ANZ Falcon™ – provides advanced around the clock monitoring for suspicious transactions
Online Shopping guarantee
‘Apply Now’ for ANZ Balance Visa and choose your rewards from Cash Back, Shopping Vouchers or Gift Cards. You don’t need to be an ANZ customer to apply for an ANZ Balance Visa credit card. Terms & conditions available on application. Fees & charges apply.
Apply now and get 0% on balance transfers for 6 months1 and save $50 off the annual fee in the first year2
Plus with a low rate of 11.49% p.a. on retail purchases1 the Citi Clear Platinum card brings you outstanding value including:
Introductory offer 0% p.a. on balance transfers for the first 6 months1
11.49% p.a. on retail purchases1
Access to limited edition entertainment experiences through Visa Platinum Privileges3
Access to Visa Concierge that gets you anything at anytime3
Special Offers and Privileges with discounts when you shop online, dine, hit the movies or a theme park, book hotel accommodation and much more. Plus there are the best seats in the house, up to 25% off wine and special benefits that make you feel privileged when you travel the world5.
Apply now for a Suncorp Plus Credit Card and take control of your finances and enjoy:
1.9% p.a. for 12 months on balances transferred
Save on interest by transferring any outstanding balances from your non-Suncorp credit and store cards, to your new Suncorp Plus Card, and enjoy a low 1.9% p.a. for 12 months on balance transfers.
Complimentary Rewards Program
with points that never expire
Credit limit of up to $7,500
Complimentary Purchase Cover Insurance for lost, stolen or damaged goods
Competitive annual fees for primary and additional cardholders
Privileges and special offers
Special offers through Visa Entertainment, which brings the best entertainment experiences from concerts and cinema to sporting events and travel offers.
The BP-Citibank MasterCard is the card that pay you back.
The money you save is simply credited to your account.
Save 5% off Petrol at BP
5% off Petrol and anything you buy at BP^
Save everywhere else
0.5% off all other purchases you buy anywhere else†
Save more
1.9%%p.a. for 12 months on balances transferred*
Generous credit limit up to $25,000#
BP-Citibank MasterCard gives you a higher credit limit so that you have the purchasing power & financial flexibility you need
Save up to $660~ a year
Get 5% on everything at BP which could save you up to $360 and 0.5% on all other purchases which could save you up to $300
Terms and conditions
Terms and conditions apply. Fees and charges apply. Subject to your acceptance you will be billed an annual account fee which is currently $79 for the Primary BP-Citibank MasterCard, and $30 for an Additional BP-Citibank MasterCard.
^ 5% cash back rebates with BP is limited per account to the first $600 you spend at participating outlets each Statement Period.
* The 1.9% p.a. interest rate applies only to balances transferred with this offer and applies for 12 months from account opening. Transferred balances will be repaid first. Any transactions made other than with this offer are at the standard Credit Card rate, currently 20.89% p.a., which is variable, subject to change and Citibank’s credit criteria. Interest rate last updated 29/03/2010.
~ Savings are indicative and based on maximum yearly cash back rebate earned of 5% at BP of $360 and 0.5% on all other retail purchases and bill payments of $300. Savings do not take into consideration account fees and charges.
† All other Retail Purchases and bill payments (excluding purchases at any fuel outlet including BP) made using your Card will give you 0.5% cash back rebate on the first $5,000 spent on your Account during any monthly Statement Period from the date you are enrolled in the Rewards program. All cash back rebates will be automatically credited to your Account at the start of the next Statement Period.
The cash back rebate amount earned in your monthly Statement Period (Eg. Nov 15-Dec 14) will be reflected in a cash back summary on that month’s statement (Eg Dec statement). This cash back rebate will then be credited on the first day of the next Statement Period. (Eg. Dec 15). Accumulated benefits are forfeited if the account is suspended or closed.
# Actual credit limit will be assigned based on Citibank credit criteria subject to confirmation that you earn a minimum of $20,000 p.a. and subject to your credit rating. Credit limit is up to $25,000 at point of initiation.
Want a card with no frills? ANZ First Visa is a simple low Annual Account Fee credit card.
$0 Annual Account Fee for the first 12 months
Introductory offer of 7.99% p.a. on balance transfers for the first 6 months
Low Annual Account Fee of $30, and discounted to $26 if linked to ANZ Access Account
Up to 44 days interest free credit on purchases
Up to 3 additional cards at no extra cost
90 day purchase security for loss, theft, damage or breakage.
Extended warranty on most purchases.
Design your card by simply loading your favourite image or choose from a library of images
Convenience of Visa acceptance at over 24 million locations worldwide
ANZ Falcon™ – provides advanced around the clock monitoring for suspicious transactions
Online Shopping guarantee
Access to exclusive offers through Visa Entertainment
‘Apply Now’ for ANZ First Visa and receive a response in 60 seconds. You don’t need to be an ANZ customer to apply for an ANZ First Visa card. Terms & conditions available on application. Fees & charges apply.
Two cards. One account. One credit limit. One statement. Simple.
Maximise the number of Qantas Frequent Flyer points you could earn by using the ANZ Frequent Flyer American Express card wherever American Express is accepted and enjoying the convenience of the ANZ Frequent Flyer Visa card when required.
Rates, fees and features:
Earn 1 point per $1 spent on purchases using your ANZ Frequent Flyer American Express® card
Earn 1 point per $2 spent on purchases using your ANZ Frequent Flyer Visa card
Uncapped Qantas Frequent Flyer points earning
Interest rate of 19.49% p.a. on purchases and 20.74% p.a. on cash advances
$95 Total Annual Fee for new applicants
Up to 44 days interest free credit on purchases
2.9% p.a. on balance transfers for the first 12 months
Minimum credit limit of $1,000
Apply for an ANZ Frequent Flyer Card by 25 September 2010 to take advantage of this offer.
‘Apply Now’ for ANZ Frequent Flyer and receive a response in 60 seconds. You don’t need to be an ANZ customer to apply for an ANZ Frequent Flyer credit card account. Terms & conditions available on application. Fees & charges apply.
Aussie now offers Personal Loans for just about anything you like.
Whether for a holiday, home renovations, a special project or even a wedding, a Personal Loan from Aussie can help you pay for any worthwhile purpose. It’s even a smart way to take control of your credit card debt.
Our great rates so that you don't pay more than you need to
Fixed monthly repayments make it easier to stick to a budget
You set the term of the loan so you’ll have repayments you can afford
Fixed loan term so that you're set to repay your debt and not let it drag on forever
Turn everyday speding into David Jones Gift Cards or Travel
Start turning your everyday spending into your dream brands and dream destinations. The David Jones American Express Card is the credit card that turns every dollar you spend into Gift Points. Use your Gift Points to redeem for David Jones Gift Card to treat yourself to the brands you dream of at David Jones. Or you can even use your Gift Points for travel. Redeem your Gift Points for flights on a wide range of leading airlines including Qantas.
Receive 13,500 Bonus Points when you first spend outside of David Jones within 7 days of receiving your Card to redeem for a $100 David Jones Gift Card.
Turn Gift Points into David Jones Gift Cards Redeem a $100 David Jones Gift Card for only 13,300 Points.
Turn Gift Points into travel. Redeem $100 worth of travel for only 15,000 Points.
Exclusive instore benefits when you use your new Card instore at David Jones.
Great instore benefits:
Up to 5 years Interest Free when you purchase homewares, furniture, bedding or electrical items of $500 or more instore at David Jones.
Fashion Pay Later Option. Don't pay a cent for 3 months when you spend $500 or more for any women's or men's apparel instore at David Jones.
Complimentary gift wrapping for purchases made instore on your Card. Instant Rewards every month available on a range of fashion, home, electrical, cosmetics and accessories when you use your Card.
Invitations to exclusive shopping events.
Christmas Deferred Payment Option With any purchases you make between 1 November and 24 December, ask for the Christmas Deferred Payment Option and you won't pay a cent until February.
Other Benefits:
Add Supplementary Cardholders to your account and maximise your Points earning potential. We will waive the $29 Supplementary Card fee for the first year*.
*First year free Supplementation Card waiver available on approved Supplementary Cards on your David Jones American Express Card account. Supplementary Cardholder must be at least 18 years of age.
No capping or expiry of Points.
Up to 56 days interest free.
Purchase Protection. Shop in Australia and around the world with cover for 90 days for the theft or damage to items purchased on your Card.
Online Fraud Protection Guarantee. You won't be held responsible for any unauthorised purchases online.
Influence. Status. Privilege. With the American Express® Platinum Moneyback Card, you'll access a world of luxury and service. Love shopping? You're covered with Refund Protection, Purchase Protection and our extensive On-Line Fraud Guarantee.
Use your Card almost anywhere, and you'll earn 5% of your MoneyBack for the first 3 months up to $300 for the first $6000 you spend. Then after your first $6,000 spend, you'll earn 1% ongoing, with no limit to your MoneyBack. It could add up to anything from a lava lamp to oysters at the Ritz. Whatever you want that day.
That's all for a low annual fee of $99 p.a. So apply today and never pay full price again.
Platinum Service provides 24 hours a day, 7 days a week support. You can call American Express about anything your Card does
Platinum Protection credits your account if you're refused a refund on an unused eligible item, or if your purchase is damaged or stolen within 90 days of purchase
Your MoneyBack rebate is calculated on each purchase and credited monthly
Move closer to your travel goals every day with the Qantas American Express Classic Card. So every time you spend on your Card - on anything from groceries to filling the tank - you could move closer to your next trip.
Earn up to 5000 extra Qantas Frequent Flyer points
Enjoy a special introductory offer of 2,500 points the first time you use your credit card, PLUS an extra 2,500 points when you spend on your Card in Australia on selected Qantas products and services.
Earn 1 Qantas Frequent Flyer point for every dollar spent every day using your Credit Card
Earn 1 additional point for every dollar spent on your Card in Australia on selected Qantas services.
Earn 1 additional point for every dollar spent in Australia on your Credit Card with a range of Qantas American Express Card Bonus Partners.
No limit to the number of Qantas Frequent Flyer points you can earn
Automatic monthly transfer of your points to your Qantas Frequent Flyer account
Refund Protection means we’ll credit your account if you’re refused a refund on an unused eligible item within 90 days of purchase
American Express® Purchase Protection repairs or replaces eligible items if they are accidentally broken or stolen within 90 days of purchase
Up to 44 interest free days on purchases
Online Services where you can access your Card account online 24 hours a day, 7 days a week.
Emergency Card Replacement anywhere in the world usually within 24 hours
With our Online Fraud Protection Guarantee, you won’t be held responsible for any unauthorised charges online.
Market Share(purchases percentage) for Credit and Charge Card
For December 2008, 88.3%(in numbers) of purchases are made with MasterCard and Visa
while the rest of purchases, 11.7% are made with American Express and Diners Club. However, the purchases percentage in value is higher for American Express and Diners Club
with 16.2% in total during the same period while the rest of the purchases, 83.8% are made with MasterCard and Visa.
Credit Card Interest Rate
The credit card issuers in Australia has been actively lowering their credit cards interest rate, in tandem with the RBA monetary policy during the financial crisis.
This is an encouraging scene if compares to credit card issuers in other countries. It is also known that Australian has the preferences for low interest credit cards
in comparison to to other categories when they shop for a credit card.
Financial Crisis and Credit Cards
During financial crisis, the credit card issuers are extra cautious in issuing new credit cards. However, if compared to other regions(where new credit cards issuance are freeze and old accounts are closed or reduced in credit limits),
Australian are considered lucky with ample choice and selection when it comes to online credit card comparisons and applications.
We've a decent number of credit card issuers participating in Australia to acquire new credit card customers.
You'll be able to find interesting credit deals/offers such as low interest credit cards with 0% balance transfer as well as rewards credit cards that suit your lifestyle on this site. Make the right choice and you could save thousands on credit card fees,
while enjoying the generous rewards.
And make sure you move quickly to get one as the offer may not last foerver considering the volatile economy may continue for months(if not years) to come.
Australia Credit Card Statistics 2007-2008
In accordance to RBA credit and charge card statistics, there are 13,915,371 of cardholders in Australia as at December 2007. As of December 2008, there are 14,340,209 of cardholders in Australia.
This shown the number of cardholders has jumped by 424,838 or 3.05% in 12 months period.(Note : Latest reporting change by a bank on Jan 2008 decreased the number of credit card accounts of December 2008 to 14,223,670)
Total credit and charge card transactions for year 2007 is A$204.79 billion with rollover balance of A$42.70 billion. The A$204.79 billion transactions are made up of A$12.55 billion cash advances and A$192.24 billion purchases.
Whereas the total card transactions for year 2008 is A$220.18 billion, with rollover balance of A$45.34 billion. The A$220.18 billion transactions are made up of A$12.92 billion cash advances and A$207.26 billion purchases.
Overall, the total card transactions increased by 7.52%, and rollover balance increased by 6.18% in 12 months period. The cash advances transaction has increased marginally by 2.95% while the purchases transaction has increased by 7.81% in the same period.
The amount of credit limits issued for credit and charge card in Australia as at December 2007 is A$114.41 billion. As at December 2008, the total credit limits in Australia is A$123.04 billion. An increased of A$8.63 billion or 7.54% is observed.
(Note: Change in collection coverage on March 2008 - Break in credit and charge card series due to the addition of a bank to the collection)
For December 2008, 89.4%(in numbers) of purchases are made with MasterCard and Visa
while the rest of purchases, 10.6% are made with American Express and Diners Club. However, the purchases percentage in value is higher for American Express and Diners Club
with 14.4% in total during the same period while the rest of the purchases, 85.6% are made with MasterCard and Visa.
Compare and Apply Online for Australia Credit Cards
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