🇦🇺 Best Credit Cards in Australia — March 2026
Our experts have reviewed and ranked the top 5 credit cards available in Australia for March 2026.
Top 5 Best Credit Cards in Australia
ANZ Frequent Flyer Black Visa
Best Qantas Points Card AUS
Bankwest Zero Mastercard
Best No Fee + No FX Card AUS
American Express Platinum Card
Best Premium Card AUS
Westpac Altitude Black Mastercard
Best Flexible Points AUS
NAB Low Rate Credit Card
Best Low Rate AUS
Full Card Details
ANZ
ANZ Frequent Flyer Black Visa
Annual Fee
AUD $425
Rewards
1.5 Qantas Points per $1 (uncapped)
Intro Offer
75,000 bonus Qantas Points
Credit Score
700–850
For Qantas frequent flyers in Australia, the ANZ Frequent Flyer Black is the benchmark. The 75,000 point welcome offer is worth $500–$1,000 depending on redemption.
BANKWEST
Bankwest Zero Mastercard
Annual Fee
AUD $0
Rewards
No rewards
Intro Offer
No sign-up bonus
Credit Score
620–850
The Bankwest Zero Mastercard is the default recommendation for Australians wanting to eliminate credit card costs entirely while travelling internationally.
AMEX
American Express Platinum Card
Annual Fee
AUD $1,450
Rewards
2.25 Membership Rewards per $1
Intro Offer
200,000 Membership Rewards points (highest in market)
Credit Score
720–850
For Australians travelling internationally 6+ times per year, the Amex Platinum pays for itself through lounge access alone. First-year return can exceed $5,000 in value.
WESTPAC
Westpac Altitude Black Mastercard
Annual Fee
AUD $250 (first year AUD $99)
Rewards
3 Altitude Points per $1 on selected categories
Intro Offer
120,000 Altitude Points
Credit Score
680–850
The Altitude Black offers flexibility that frequent flyers value — transferring to multiple programs means you can compare redemption rates and choose the best option for each trip.
NAB
NAB Low Rate Credit Card
Annual Fee
AUD $59
Rewards
No rewards
Intro Offer
0% balance transfer for 32 months (3% fee)
Credit Score
620–850
For Australians carrying high-interest debt, the NAB Low Rate card's 32-month 0% balance transfer is the single most valuable offer in the market. Moving $10,000 at 20% to 0% saves ~$5,300 in interest.