Credit Cards for Fair Credit

Do you have fair credit? Are you worried that you will not qualify for a credit card? Well, you can stop right there. It is easy to believe that there are no options if you currently have a fair credit rating. Fortunately for you, we are here to help. We can help you find and browse through the hundreds of credit cards that are designed for consumers like you, which have fair credit. The best thing about these credit cards is that they will provide you with a variety of benefits, which will help you improve your finances and best of all boost your credit rating. It can be a win-win situation. However, don't worry we will help you find the credit card that best suits your lifestyle. Our editors have compiled a list comparing the interest rates, fees, credit requirement and an overall review of the brand information. So let us help you secure the right credit card, at the right time.

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    NAB Low Rate Platinum Card
      0% purchase offer. Apply for a new NAB Low Rate Platinum Card and take advantage of 0% interest on purchases for 15 months. This rate reverts to the standard purchase rate at the end of the introductory period. Note that minimum monthly repayments still apply during the introductory period. Complimentary travel insurance covers. The NAB Low Rate Platinum Card offers four types of complimentary travel insurance. This includes comprehensive overseas travel insurance and transit accident insurance for international travel, plus interstate flight inconvenience insurance and domestic hotel burglary insurance when you’re travelling throughout Australia. The cover is issued by QBE and is available when you make eligible travel purchases using your NAB Low Rate Platinum. Complimentary purchase insurance covers. This card provides complimentary purchase protection insurance that protects eligible purchases against theft, loss or damage. It also offers extended warranty coverage for eligible items, and price protection insurance that allows you to claim the difference between the price you paid for a new item and a lower printed advertised price for the same item. Terms and conditions apply for these covers, so make sure you refer to the NAB insurance booklet for further information. Visa Front Line access. This platinum Visa service gives you the chance to reserve tickets to some of the biggest events before they go on sale to the general public. Additional cardholder. If you want to share your account with a partner or family member, you can request an additional card at no extra cost. Note that the additional cardholder must be at least 16 years of age and you will still be responsible for keeping the account in good standing. Balance transfer rate. The NAB Low Rate Platinum card comes with an introductory balance transfer offer of 0% p.a. for 6 months with a one-time 2% balance transfer fee, which reverts to the cash advance rate thereafter. Note that minimum monthly repayments apply.
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    Bankwest Breeze Platinum Mastercard
    • $0 first year annual fee. The annual fee will be waived in the first year (saving you $99 p.a.).
    • Introductory purchase offer. If you're a new customer and get approved for a Bankwest Breeze Platinum Mastercard, you’ll pay 0% p.a. interest on purchases for the first 6 months. Any remaining balance attracts the standard purchase rate of 12.99% p.a. thereafter.
    • Balance transfer offer. New customers of the Bankwest Breeze Platinum Mastercard can receive an introductory balance transfer rate of 0% p.a. for 26 months, with a one-time 2% balance transfer fee. After the promotional period ends, the interest rate reverts to the standard balance transfer rate of 12.99% p.a. Please note that the balance transfer must be requested at the time of application to take advantage of the promotional rate.
    • Free digital card. 24 hours after you've been approved, you can log into the Bankwest app to activate and start to use your card digitally before your physical card arrives in the mail.
    • Complimentary international credit card travel insurance. Benefit from complimentary international credit card travel insurance for you and your family when you pay at least $500 per person in prepaid travel expenses with your Bankwest Breeze Platinum Mastercard. Cover is automatically provided for a period of up to 6 months.
    • No foreign transaction fees. The Bankwest Breeze Platinum Mastercard offers 0% foreign transaction fees on overseas and online purchases made in a foreign currency.
    • Purchase security insurance. This complimentary extra protects your eligible personal purchases against loss, theft and accidental damage for up to three months. The maximum amount you can claim in a year is $125,000.
    • Extended warranty cover. Eligible purchases receive complimentary cover that doubles the Australian manufacturer's warranty for up to 12 months.
    • Purchase price guarantee. With this complimentary extra, if you find a cheaper printed catalogue purchase price within 21 days you can claim the difference (minimum $75 claim).
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    BankSA Amplify Credit Card
    • 0% p.a. for 14 months. Enjoy a 0% p.a. purchase interest rate for the first 14 months when you apply and get approved by 22 May 2019.
    • Rewards program. You get to choose whether to use this card to earn Amplify Points or Qantas Points. With Amplify, you get 1 point per dollar, while the earn rate is 0.5 points per dollar if you choose Qantas. Both programs also offer you ways to earn bonus points through purchases with their partners. With Qantas this will happen twice, first with your Amplify credit card, and then again with the partner. Both programs give you the chance to earn points for flights or valuable merchandise from their online stores, providing you with a great deal of flexibility in how you use your points.
    • Uncapped points. No matter which rewards program you choose, your point earning ability will not be capped.
    • Interest-free days on purchases. You can get up to 55 days interest-free on purchases. In order to qualify, you must pay your balance off in full each month.
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    Citi Rewards Classic Credit Card
    • 0% p.a. balance transfer offer. Receive a 0% p.a. interest rate on balances transferred to this card for up to 15 months (with a 1.5% balance transfer fee), allowing you to manage your credit card debt. Any balance remaining at the end of the introductory period collects interest at the cash advance rate.
    • Up to $50 cashback. Enjoy up to 5% cashback on all retail purchases, up to $1,000 in your first 90 days from card approval (capped at $50).
    • Discounted annual fee in the first year. This card offers a discounted annual fee of $49 in the first year. A standard fee of $99 p.a. will be charged thereafter.
    • Complimentary rewards program. This Citi Rewards Classic Credit Card gives you access to a complimentary rewards program. You can earn 1 reward point per $1 spent on eligible domestic spend (up to $5,000 per statement period, making the annual cap of 60,000 points) and earn 1 reward point per $1 spent on all eligible international spend uncapped. Rewards points can be redeemed for cashback, vouchers, merchandise or vouchers. You can also benefit from the Citi Dining Program which rewards you with free wine when you dine using the program.
    • Mobile payment technology. You can now make easy payments when you shop with Samsung PayApple Pay.
    • Credit limit. The maximum credit limit with this credit card is $100,000.
    • Guaranteed pricing scheme. You have access to a complimentary pricing scheme which guarantees you the best price when you purchase items using your card. This guaranteed pricing scheme works by sending you a refund if an item you purchase later goes on sale. Citi will issue a refund of the price difference. Keep in mind there are certain conditions that apply with this scheme.
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    ANZ Platinum Credit Card
    • 0% p.a. for 18 months on balance transfers. Apply for the ANZ Platinum credit card and get 0% p.a. for 18 months on balance transfers. The promotional period starts from the date you are approved for the ANZ Platinum credit card. You can use up to 95% of your credit limit towards a balance transfer. Any unpaid balance that was brought over to the card under a balance transfer promotion will be charged at the standard balance transfer rate of interest once the promotional period ends — currently 21.49% p.a. (2% balance transfer fee, eligibility criteria, T&Cs, fees and charges apply).
    • $0 annual fee in the first year. All new ANZ Platinum credit cardholders get the annual fee waived in the first year. The annual fee will revert to $87 thereafter. You can also enjoy no annual fee in the following years if your annual spend exceeds $20,000 on the ANZ Platinum credit card. The annual spend is calculated 12 months following your account’s ‘fee date’.
    • Complimentary insurance. ANZ Platinum credit cardholders are covered under Allianz complimentary overseas medical and travel insurance. There’s comprehensive cover for a range of events, including an unlimited benefit payable for overseas medical and dental. If you already have an ANZ Platinum credit card, you’re eligible for the insurance when you hold a return ticket to Australia and have purchased at least $250 of your prepaid travel expenses using the ANZ Platinum credit card.
    • Up to 55 days interest-free. Pay your balance in full when your statement comes and you get up to 55 days interest-free on purchases made with the card. Interest-free days do not apply you’re carrying a balance from month to month (a balance transfer).
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    NAB Low Fee Platinum Card
    • 24/7 NAB Support Centre. Got a question about your card? The NAB Support Centre team are available to chat at any time day or night.
    • NAB Concierge Service. This 24/7 service, provided by Visa Worldwide, can help you with a range of travel, lifestyle and entertainment tasks including planning and booking travel or tickets to events, reservations at hotels and restaurants or car and limousine rental.
    • 7 Complimentary insurances. When you use this card to make travel reservations in excess of $500, you'll receive overseas travel insurance issued by QBE. This covers medical expenses, travel cancellation, missed connections, collision damage, personal liability, accidental disability or death and other scenarios. Other covers include interstate flight inconvenience insurance, transport accident insurance, domestic hotel burglary insurance, purchase protection insurance, extended warranty insurance and price protection insurance. Check the terms and conditions for all eligibility requirements, exclusions and more.
    • Visa benefits. With Premium Access, you can access a number of exclusive travel, entertainment and lifestyle offers. If you need emergency assistance when travelling, you can contact Visa Global Customer Assistance services. Verified by Visa also ensures that you have a safe online shopping experience.
    • Balance transfer rate. Receive 0% p.a. on balance transfers for the first 6 months. Take note that a one-time 2% balance transfer fee applies and you will still need to make minimum payments by the due date listed on each statement. Any remaining balance at the end of the introductory period will attract the cash advance interest rate.
    • Mobile wallets. You can link your NAB credit card with Samsung Pay or Google Pay to make contactless payments using your qualifying device at the checkout. You can also use your Android device to make contactless payments with NAB Pay through the NAB app.
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    Bank of Melbourne Amplify Platinum
    • Up to 100,000 bonus points offer. Apply for a Bank of Melbourne Amplify Platinum by 22 May 2019 and spend $6,000 on eligible purchases within the first 12 months from card approval to receive 50,000 bonus Amplify Points. Spend another $6,000 in the subsequent year to receive an additional 50,000 bonus Amplify Points (total 100,000 points).
    • Balance transfer offer. New customers who apply by 22 May 2019 can pay down their debt and save with 0% p.a. interest on balance transfers for the first 6 months. After the promotional period, any balances remaining will be charged at the variable cash advance rate. Note that you cannot transfer debt from Bank of Melbourne, BankSA or St.George credit cards.
    • Rewards points. Earn 1 Amplify Point per $1 spent on eligible transactions, uncapped.
    • Travel insurance. Travel insurance through your Amplify card can help protect you from problems including flight delay and missed connections. This will give you peace of mind when you travel on holiday, whether for personal or business purposes.
    • Extended warranty. When you purchase certain items that come with a manufacturer's warranty with your Amplify Platinum card, you will get an extended warranty that will come into effect when the manufacturer's warranty ends. This is helpful with larger purchases that can be costly to fix or replace.
    • Purchase protection. If a newly-purchased item gets damaged or stolen, purchase protection through your Amplify card can help you get a reimbursement or pay for repairs on the item as long as the claim falls within a certain time frame after the original purchase date.
    • Personal concierge service. As a platinum cardholder, you will receive concierge service that can help you make restaurant reservations, order event tickets, and more.
    • Additional cardholders. You can choose to add 1 additional cardholder to your account. This can help you earn rewards points faster.
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    ANZ Rewards Platinum
    • 75,000 bonus Reward Points. Receive 75,000 bonus points when you apply for an ANZ Rewards Platinum Card, are approved and spend $5,000 on eligible purchases within the first 3 months from card approval. As an example, 75,000 points is equivalent to 37,500 Velocity Points or $330 worth of Myer gift cards.
    • Rewards program. You’ll earn 1.5 Reward Points per $1 spent up to $2,000 and then 0.5 Reward Points per $1 spent on eligible purchases above $2,000 per statement period. You can redeem your rewards for frequent flyer points with four airline loyalty programs including Velocity, cashback, gift cards and products from the ANZ Rewards store. See our ANZ Rewards program guide for more information.
    • Complimentary insurance. This card comes with complimentary insurance including travel and medical insurance, purchase security insurance and extended warranty insurance. You’ll need to spend at least $250 on prepaid travel costs with the card to activate the travel insurance cover.
    • Mobile payment technology. You can link your account with Apple Pay, Google Pay and Samsung Pay to make tap and go payments with an eligible smartphone.
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    ANZ Rewards Travel Adventures card
    • Bonus points offer. Collect 40,000 bonus Velocity Points when you apply for an ANZ Rewards Travel Adventures Card, are approved and spend at least $500 on eligible purchases within the first 3 months from card approval. Terms and conditions in accordance with the Velocity Frequent Flyer Program.
    • Complimentary return domestic flight. Spend $500 on eligible purchases in the first 3 months and get a complimentary return domestic flight with Virgin Australia each year you hold the card. Note that bookings for this flight must be made more than 60 days prior to the proposed date of your departure and other terms and conditions may apply.
    • Domestic airport lounge passes. Receive two complimentary Virgin Australia domestic airport lounge passes each year you hold the card when you spend $500 on eligible purchases using the card in the first 3 months.
    • Reward points. This card has a standard earn rate of 1.5 Reward Points per $1 spent on eligible purchases up to $2,000 per statement period, then 0.5 Reward Points per $1 spent on eligible purchases above $2,000 per statement period.
    • No overseas transaction fee. There is no fee for purchases made in an international currency. This includes transactions made in-person when you are overseas, online transactions outside of Australia and online transactions made in Australia with an international retailer.
    • Complimentary overseas travel and medical insurance. The ANZ Rewards Travel Adventures card offers comprehensive overseas travel and medical insurance when you charge at least $250 of your pre-booked trip to your account. Other terms and conditions are outlined in the ANZ and Allianz Product Disclosure Statement provided with this card.
    • Mobile payment technology. Apple Pay, Google Pay, and Samsung Pay let you use your Apple, Android or Samsung device to tap and pay with your eligible ANZ credit card.
    • Hotel and car rental discounts. Get access to special rates for hotel bookings and car rental benefits through the Visa Premium Benefits program.
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Transaction Fees

Annual Fee: You may find some credit card options which charge yearly fees, but not all of them do. The types of credit cards which typically have yearly fees include premium credit cards, subprime credit cards, and secured credit cards. The fee amount charged per year will vary. Some fees start at $0 and go up to $500. It all depends on which type of credit card you apply for.

Regular Purchase APR: When you make a standard purchase with your credit card, the amount charged gets added to your revolving debt balance. On top of that, there is a certain amount of interest which gets added to this balance too. This interest is called the annual percentage rate, or APR. Your credit rating greatly influences your APR, which is why the percentage fluctuates regularly. People with perfect credit may only have to pay 10% APR while people with terrible credit pay up to 35% APR. For this reason, it is important to review all the terms and conditions on your credit card application prior to signing it. Make sure you know the true APR after the initial trial period expires. Sometimes these credit card companies will try to lure you in with 0% APR for 12 months, but they won’t tell you what the APR is after those 12 months. You must look for it in the fine print.

Intro Purchase APR: When you see a credit card plan which offers an introductory purchase APR of 0%, this doesn’t necessarily mean it’s a trick. Sometimes you’ll find some good low-interest credit card plans which charge 0% APR for the first 6 months, 12 months, or sometimes even longer. This means that all your credit card purchases within this time period won’t have interest charges added onto the debt balance. However, once the introductory period expires, the standard purchase APR will then apply. Again, check the terms and conditions to see what this APR is.

Balance Transfer Fee: If you owe money on multiple loans or credit cards, you can clear this debt by moving it to another credit card which has more available credit. This is basically a way to consolidate your debt so that you only owe money on one account instead of several accounts. However, whenever you transfer your debt balances to another account, you must pay a balance transfer fee of anywhere between 3% and 5% of the total transferred debt amount. For instance, if you owe a total of $10,000 on all your loan and credit card accounts, a 5% balance transfer fee on this amount would cost you $500.

Regular Balance Transfer APR: Sometimes a credit card company will offer a regular balance transfer APR to new credit card account holders instead of a balance transfer fee. This balance transfer APR is usually a generous deal which ranges from 0% to a very low APR. However, this low balance transfer APR is only available for a limited introductory time period. This could last for 6 months, 12 months, or longer. Once the introductory period is over, the normal rates apply.

Cash Advance Fee: If you want to take out a cash advance on your credit card, you will either be charged 3% to 5% on the transaction amount or a fixed fee of between $5 and $15 per transaction. The greater amount of the two is the one you will pay. For instance, if you take a $200 cash advance on a credit card which charges a cash advance fee of 10% or $5, you will end up paying 10% because that is the greater amount. In this case, the cash advance fee is $40.

Credit Terms

TheCreditWiki, can make searching for the best card far easier, especially when you need to consider several factors. You may not be aware, but there are a few cards that have APR rates that you will need to review before signing the contract with the bank or lender. You will also need to consider financing costs, and anticipate what you are going to need the card for, is it going to be a single one-off purchase, or do you want to carry a monthly balance? Understanding the potential financial implications is crucial, for example, if you don't make your required monthly or bulk payment by the agreed date, then your financing costs will increase. If this happens, you will incur several costs – such as paying the full current balance, and fees to the credit card issuer/bank. Another important factor is interest fees. Please be aware that they can fluctuate; they can shift from as low as 0% to as high as 35%. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions. TheCreditWiki strive to provide our customers with the most current, and up-to-date information, regarding rates, benefits and many more. Please do remember that the credit card offers that we have listed, are displayed without guarantee. If you want to affirm the terms and conditions, click on "Apply Now." You will be able to learn more about the full credit card offer, on a secured page that will be supplied by the card issuer(s). You will see the list of the best credit cards options currently available on the market listed below. We have provided you with all the relevant information about each provider to ensure that you will make an informed and confident decision.

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When searching for the best credit card TheCreditWiki can help you to make the best decision based on your lifestyle and financial history. TheCreditWiki is a free service and promotes bolstered credit examination, through a comparison entity. The offers that you will see on thecreditwiki.net are from organizations, which thecreditwiki.net will receive remuneration.

About our Ratings

Our reimbursement sometimes impacts the surveys, but it is only the order that the classifications appear in, and nothing else. They will appear on our featured pages, but you can still opt to use the best option for you, and we strive to provide this regardless of the compensation that we may receive.
Please be aware, that this may affect the order in which these credit offers appear. Also, thecreditwiki.net does consider the restrictive guidelines of each lender, and the probability of the consumers' credit history. They will take this information into account, and will decide how, and when the credit cards offer will appear on the site.

General Disclaimer

We advise you to review your credit card application for specific references of the terms and conditions. We will always endeavor to provide the most relevant and up-to-date information. However, please be aware that all credit card offered displayed are not guaranteed. If you wish to confirm the full terms & conditions, please click on the "Apply Now" link. If you select the link, it will open a secure page provided by the card issuer(s) which will explain your credit card offer in more detail.

Our Editors

Here at TheCreditWiki, we have a team of editors who supply unbiased ratings of various credit card offers. The components used to rate the offers accordingly are; offer purchasers, expenses, financing costs & which credit card the application is related too. Please be aware that all of the evaluations are completed using a master supposition from our editors. Our editors are not affected by any compensation that our receives from the credit card issuer.

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