- 1x Everything else
- Annual fee
- A$89
- Purchase APR
- 20.99% p.a.
- Welcome offer
- Earn 50,000 Q Rewards® Bonus Points when you spend $3,500 on eligible purchases within 90 days from approval.
Verified 13 Sept 2026
Compare credit cards by what you actually spend
One catalog, every market we cover. Filter by country, card type, issuer and network, then upload a statement and let your own spending pick the card instead of a generic ranking.
91 cards in Australia
Showing 1–24
- 1.5x Everything else
- Annual fee
- A$89
- Purchase APR
- 19.99% p.a.
Verified 13 Sept 2026
- 0.8x Everything else
- Annual fee
- A$99
- Purchase APR
- 20.99% p.a.
- Welcome offer
- Receive 8,000 bonus Qantas Points when $3,000 or more is spent on eligible purchases within 90 days from card approval.
Verified 13 Sept 2026
- 1.5x Everything else
- Annual fee
- A$100
- Purchase APR
- 14.99% p.a.
- Welcome offer
- Earn up to 20,000 bonus More Rewards Points. Spend $4,000 on eligible purchases within 90 days, keep your card open for 15 months, and you must not have held a Bankwest More Mastercard in the past 24 months.
Verified 13 Sept 2026
- 0.7x Everything else
- Annual fee
- A$149
- Purchase APR
- 20.74% p.a.
- Welcome offer
- Earn up to 70,000 Bonus Velocity Points. 25,000 Bonus Velocity Points will be awarded for each month $1,500 or more is spent on eligible purchases for the first 60 days from approval. 20,000 Velocity Points will be awarded when you keep your card open for over 12 months. New and approved customers only.
Verified 13 Sept 2026
- 0.6x Everything else
- Annual fee
- A$149
- Purchase APR
- 19.99% p.a.
Verified 13 Sept 2026
- 2x Everything else
- Annual fee
- A$149
- Purchase APR
- 20.99% p.a.
- Welcome offer
- Earn 100,000 Q Rewards® Bonus Points when you spend $4,500 on eligible purchases within 90 days from approval.
Verified 13 Sept 2026
- 1x Everything else
- Annual fee
- A$149
- Purchase APR
- 20.70% p.a.
Verified 13 Sept 2026
- 1x Everything else
- Annual fee
- A$149
- Purchase APR
- 19.99% p.a.
- Welcome offer
- Earn 60,000 Bonus Virgin Money Points. Earn 60,000 Bonus Virgin Money Points (when you spend $3,000 or more in the first 90 days from approval). That’s worth $300 in gift cards or more in travel rewards.
Verified 13 Sept 2026
- 2x Everything else
- Annual fee
- A$160
- Purchase APR
- 14.99% p.a.
- Welcome offer
- Earn up to 50,000 bonus More Rewards Points. Spend $5,000 on eligible purchases within 90 days, keep your card open for 15 months, and you must not have held a Bankwest More Mastercard in the past 24 months.
Verified 13 Sept 2026
- 2x Everything else
- 1.3x Everything else
- 1x Everything else
- Annual fee
- A$175
- Purchase APR
- 20.99% p.a.
Verified 13 Sept 2026
- 0.8x Everything else
- Annual fee
- A$189
- Purchase APR
- 20.24% p.a.
Verified 13 Sept 2026
- 0.6x Everything else
- Annual fee
- A$199
- Purchase APR
- 19.99% p.a.
- Welcome offer
- Earn up to 80,000 bonus Qantas Points. When you spend $7,500 on eligible purchases within the first 90 days and keep your card open for 15 months and must not have previously held a Bankwest Qantas Mastercard in the last 24 months.
Verified 13 Sept 2026
- 2x Everything else
- Annual fee
- A$249
- Purchase APR
- 20.70% p.a.
Verified 13 Sept 2026
- 0.8x Everything else
- 0.5x Everything else
- 0.3x Everything else
- Annual fee
- A$250
- Purchase APR
- 20.99% p.a.
Verified 13 Sept 2026
- 2.5x Everything else
- Annual fee
- A$270
- Purchase APR
- 14.99% p.a.
- Welcome offer
- Earn up to 50,000 bonus More Rewards Points. Spend $10,000 on eligible purchases within 90 days, keep your card open for 15 months, and you must not have held a Bankwest More Mastercard in the past 24 months.
Verified 13 Sept 2026
- 3x Everything else
- 2x Everything else
- 1x Everything else
- Annual fee
- A$295
- Purchase APR
- 20.99% p.a.
Verified 13 Sept 2026
- 1x Everything else
- Annual fee
- A$320
- Purchase APR
- 19.99% p.a.
- Welcome offer
- Earn up to 100,000 bonus Qantas Points. When you spend $35,000 on eligible purchases within the first five months and keep your card open for 15 months and must not have previously held a Bankwest Qantas Mastercard in the last 24 months.
Verified 13 Sept 2026
- 1x Everything else
- Annual fee
- A$329
- Purchase APR
- 20.74% p.a.
- Welcome offer
- Up to 100,000 Velocity Points. 40,000 Bonus Velocity Points will be awarded for each month $3,500 or more is spent on eligible purchases for the first 60 days from approval. 20,000 Velocity Points will be awarded when you keep your card open for over 12 months. New and approved customers only.
Verified 13 Sept 2026
- 1x Everything else
- Annual fee
- A$399
- Purchase APR
- 20.99% p.a.
- Welcome offer
- Earn up to 80,000 bonus Qantas Points. New cardholders receive 40,000 bonus Qantas Points when $5,000 or more is spent on eligible purchases within 90 days from card approval. Plus an additional 40,000 bonus points if you haven't earned Qantas Points with a credit card in the last 24 months.
Verified 13 Sept 2026
- 1.3x Everything else
- Annual fee
- A$1,200
- Purchase APR
- 20.99% p.a.
- Welcome offer
- Earn 150,000 bonus Qantas Points when you spend $5,000 or more on eligible purchases within 90 days from card approval.
Verified 13 Sept 2026
- Annual fee
- A$0
- Purchase APR
- 23.99% p.a. 1
- Welcome offer
- Earn Qantas Points and enjoy $0 Annual Card Fee
Verified 13 Sept 2026
- Annual fee
- A$0
- Purchase APR
- 19.74% p.a.
Verified 13 Sept 2026
- Annual fee
- A$0
- Purchase APR
- 18.99% p.a.
Verified 13 Sept 2026
For issuers and partners
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Tell us what you would like to feature and we will send back what is available. Placements are labelled as sponsored and sit outside the ranked list, which no issuer can pay into.
Common questions about comparing cards
How do I choose a credit card?
Choose a credit card by matching its highest reward rates to the categories you already spend most in, then subtracting the annual fee from the rewards you would realistically earn. A card paying 5% on dining is worth less than a flat 2% card if dining is a small share of your spending.
Can I compare credit cards from different countries?
Yes. Woodo keeps a separate catalog per country because credit cards are licensed and priced per market, so a card available in Singapore cannot be opened from the United States. Select a country to see the cards actually issued there.
Does comparing credit cards affect my credit score?
Comparing credit cards does not affect your credit score. Only submitting an application triggers a hard inquiry, and browsing or filtering a comparison page does not.
How does Woodo rank credit cards?
Woodo ranks credit cards by annual fee and reward coverage. No issuer can pay to move a card up the list. Most comparison sites work the other way: Bankrate and WalletHub both disclose that advertiser compensation affects the order in which cards appear in their listings.
Do credit card comparison sites get paid to rank cards higher?
Many do. Bankrate discloses that its compensation may impact the order in which products appear within listing categories, and WalletHub discloses that advertising affects the order and prevalence of offers. Woodo separates the two: the ranked list is ordered by stated consumer criteria only, and any paid placement appears in a slot labelled as sponsored, outside that list.
How current is the card data?
Every card shows the date its details were last verified against the issuer or network source. Cards whose data passes the staleness threshold stop displaying rates and fees rather than showing an outdated number.
Woodo currently tracks 685 cards. Each is re-verified against its issuer or network source on a monthly schedule.