Credit Cards for Good Credit

Are you lucky enough to have good credit? If so, rest assured that you will not struggle to qualify for some of the top rated credit cards. As you hold a good credit rating, you will gain so many offers from creditors, including low-interest rate, no or low annual fees, an extensive reward programs, and so much more. As you will have a decent credit history, the issuers will have immediate confidence that you will act responsibly. So, this can help you if you ever have a financial emergency, this safety blanket will put you back on track. As we have mentioned, you will qualify for many of the A-list credit cards; please see the full details below.

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    Qantas American Express Ultimate Card
    • Bonus Qantas Points offer. Receive 100,000 bonus Qantas Points when you apply online by 14 April 2019, are approved and spend $3,000 on eligible purchases within the first three months of opening the card account. This offer is only available to new card members and bank-issued American Express companion cardholders.
    • Points per $1 spent. Qantas Points you earn using this card transfer to your Qantas Frequent Flyer program account. You earn 1.25 Qantas Points per $1 spent on most everyday purchases, and 0.5 Qantas Points per dollar spent with government bodies. Until 14 April 2019, earn 0.25 additional Qantas Points per $1 spent, except on transactions with government bodies in Australia. You will earn 1 additional Qantas Point per $1 spent when you use your card to pay for Qantas passenger flights that are purchased directly from Qantas, and for Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Please note that these earn rates are due to change from 15 April 2019. You can compare the upcoming changes this detailed guide.
    • $450 Qantas Travel Credit. The Qantas American Express Ultimate rewards you with a $450 Qantas Travel Credit each year, which you can use for eligible international or domestic Qantas flights. This will be credited to your account when you book and pay online through American Express Travel.
    • Airport lounge passes. Cardholders can also take advantage of two entries to the American Express Lounge at Sydney International (Kingsford Smith) Airport T1 or Melbourne International Airport T2 each year. You will also receive two yearly complimentary Qantas Club Lounge invitations after your first card spend on selected Qantas products and services in Australia each anniversary year.
    • Complimentary insurance covers. Booking travel tickets through this card gives you complimentary medical emergency expense cover, travel cancellation cover, transport accident cover, travel inconvenience insurance, and baggage, money and documentation cover. Purchases you make using this card receive protection through refund protection and purchase protection.
    • Complimentary Qantas Wine Premium Membership. You can apply to Qantas Wine Premium for free as long as you continue to hold your Qantas American Express Ultimate Card. This program rewards you with 3 Qantas Points per $1 spent on Qantas Wine purchases.
    • Mobile payment technology. Enjoy a simpler way of paying in stores or within participating apps. Simply hold your iPhone, Samsung or Android device near the contactless reader to make transactions.
    • Balance transfer offer. A limited period promotional balance transfer offer gives you the ability to pay 0% p.a. interest on balance transfers for the first 12 months, allowing you to save considerably in the form of interest. A one-time 1% balance transfer fee applies.
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    St.George Amplify Signature - Qantas
    • Discounted first year annual fee. Pay $179 for the first year, reverting to $279 p.a. in subsequent years when you apply by 22 May 2019.
    • Bonus points offer. Receive 80,000 bonus Qantas Points when you apply by 22 May 2019 and spend $4,000 on eligible purchases using your card within the first 90 days from approval.
    • Competitive earn rate. With the Amplify Qantas program, you will earn 0.75 Qantas Points for every dollar spent in Australia and eligible overseas merchants. The St.George Amplify Signature also offers uncapped points earning potential.
    • Balance transfer offer. Apply by 22 May 2019 and take advantage of a 0% p.a. interest rate for the first 6 months on balance transfers. After the promotional period, any balances remaining will be charged at the variable cash advance rate. Note that you cannot transfer balances from existing BankSA, Bank of Melbourne, or St.George credit cards.
    • Overseas travel insurance. The cardholder and their family have access of up to 6 months of coverage.
    • Airline lounge passes. Amplify Qantas members receive two complimentary Qantas Club Lounge invitations per year.
    • Purchase cover insurance. Cardholders get up to four months of cover against the theft, loss or damage of selected new purchases.
    • Transit accident insurance. If you suffer an accidental injury or die when travelling by train, bus, plane or ferry outside Australia, this insurance provides cover.
    • Extended warranty insurance. This cover offers up to 12 additional months on the manufacturer’s expressed Australian warranty.
    • Domestic flight inconvenience. This cover ensures you don’t suffer a financial loss due to flight delays and cancellations.
    • Price guarantee cover. This form of cover means you are able to claim the difference if you find a product for sale cheaper within 21 days of purchasing.
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    28 Degrees Platinum Mastercard
    • No currency conversion fees. This card comes with 0% currency conversion fees when you use the card to make a purchase in a foreign transaction overseas or online.
    • No international ATM withdrawal fees. You can access cash with convenience overseas with a $0 international ATM withdrawal fee.
    • Concierge service. The 28 Degrees Platinum Mastercard gives you access to a personal concierge service. So, whether you need help booking your flights or accommodation for your holiday or need to organise a restaurant reservation, this concierge is a free service that you can use 24/7.
    • Free global wifi. Thanks to a complimentary Boingo account, get access to over 1 million wifi hotspots around the world when you register your 28 Degrees Platinum Mastercard.
    • Mastercard benefits. As this is a Mastercard, it can be used at tens of millions of locations in Australia and abroad. Just look for the Mastercard logo at an ATM, over the counter or on the payment page of the merchant's website. You can also enjoy contactless payments through PayPass and access a range of exclusive travel, dining, entertainment and lifestyle offers through Mastercard Priceless Cities.
    • Flight delay pass. If an airline announces a delay of more than two hours on your registered flight, you and up to four travel companions will receive a complimentary LoungeKey pass.
    • Up to 55 days interest-free on purchases. This card also offers up to 55 days interest-free on purchases if you pay your balance in full by the due date on each statement.
    • Eligible for Samsung Pay. Enjoy the convenience of making contactless payments when you shop just by tapping your qualifying Samsung device on a contactless terminal.
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    NAB Qantas Rewards Signature Card
    • Bonus Qantas Points. You can give your points balance a boost of 90,000 bonus Qantas Points when you spend $4,000 on everyday purchases within 60 days of opening the account. That's enough points to fly return from Sydney or Melbourne to Hong Kong in premium economy, among other things. You’ll also earn 1 bonus point for every dollar spent on selected Qantas services in Australia. NAB may vary or end this offer at any time.
    • Reduced first year annual fee. Save $100 with a reduced $295 annual fee for the first year, reverting to $395 p.a. thereafter. NAB may vary or end this offer at any time.
    • Qantas Points as you spend. Earn 1 Qantas Point per $1 spent up to $5,000 and then 0.5 Qantas Points per $1 spent between $5,001 and $20,000 per statement period. Therefore, points are capped at 12,500 per statement period. Please note that you can only earn points on eligible purchases.
    • Seven complimentary insurances. When you spend at least $500 on prepaid travel costs with the NAB Qantas Rewards Signature Card before your trip, you’ll be covered for travel cancellation, overseas medical expenses, lost luggage or travel documents with insurance issued by QBE. You will also receive complimentary purchase protection insurance and extended warranty cover when you make a qualifying purchase.
    • Concierge service. Provided by Visa Worldwide, cardholders will also enjoy their own personal assistance for travel and lifestyle services with the NAB 24/7 Concierge.
    • Balance transfer rate. This card has a 0% p.a. interest rate for 6 months on balance transfers with a 2% balance transfer fee, which reverts to the variable cash advance rate. Note that minimum monthly repayments are required. You can transfer balances from Australian cards not issued by NAB.
    • Eligible for Samsung Pay. You can link your NAB credit card with Samsung Pay to make contactless payments using your qualifying Samsung device at the checkout.
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    Bank of Melbourne Amplify Signature - Qantas
    • Bonus points. Enjoy 80,000 bonus Qantas Points when you apply by 22 May 2019, are approved for a BoM Amplify Signature - Qantas card and spend $4,000 on eligible purchases within the first 90 days from approval. Bonus points will be credited to the account within 12 weeks of the spend requirement being met.
    • Discounted annual fee in the first year. When you apply and are approved before 22 May 2019, you will get a reduced $179 annual fee in the first year, saving you $100.
    • Qantas Frequent Flyer Program. You will earn 0.75 Qantas Points for each dollar spent in Australia and overseas, uncapped. Plus, double points with Qantas Frequent Flyer Program partners.
    • Airport lounge passes. Cardholders receive 2 complimentary Qantas Lounge passes per year.
    • Overseas travel insurance. This travel insurance is eligible for persons up to the age of 80 years. It covers the cardholder, spouse and dependent children. The insurance policy is provided when the cardholder pays for return tickets and prepaid travel costs worth $500 using the credit card. Also available is a transit accident insurance policy.
    • Purchase security insurance. Purchase security insurance covers personal goods that have been purchased using the Signature Amplify card anywhere in the world. This insurance policy covers against accidental damage, loss and theft.
    • Extended warranty insurance. Extended warranty insurance is simply an extension of the Australian warranty and this is applied when the goods purchased have a warranty of fewer than 5 years.
    • Price guarantee cover. The cardholder is entitled to get the best rate and they can claim a refund on the price difference if an item they purchased is sold at a cheaper rate within a radius of 25km. This cover is valid for 21 days.
    • Balance transfer offer. New customers who apply by 22 May 2019 can take advantage of a 0% p.a. interest rate for the first 6 months on balance transfers. After the promotional period, any balance remaining will be charged at the variable cash advance rate. Note that you cannot transfer balances from existing BankSA, Bank of Melbourne, or St.George credit cards.
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    Westpac Altitude Black - Qantas
    • 80,000 bonus Qantas Points. When you apply for a Westpac Altitude Black credit card by 2 April 2019, are approved, and spend at least $3,000 on eligible purchases within 90 days from card approval, you will receive 80,000 bonus Qantas Points.
    • Qantas Frequent Flyer Points. This Mastercard will earn you 0.75 points per $1 spent in Australia and with overseas merchants. You can redeem your rewards for flights with Qantas and its airline partners as well as products from the Qantas store. In order to earn Qantas Points, you will need to pay a $50 yearly fee.
    • Complimentary insurance. The Altitude Black - Qantas comes with a range of complimentary insurances including overseas travel insurance, transit accident insurance, purchase security insurance and extended warranty insurance.
    • Westpac Concierge. The Westpac Concierge is available to you 24/7. The concierge can assist you in booking restaurants and fulfilling any requests you may have. You can also access the Black Card Concierge App to help make your life easier.
    • Qantas Club Lounge invitations. You can enjoy two Qantas Club lounge invitations per year. To be eligible, you must register and then use your Altitude Black Card in Australia to purchase selected Qantas products and services directly with Qantas.
    • Altitude Black Travel Service. This service can help reduce the stress of organising a holiday by helping you plan every step of the journey. Their experts can also help you to redeem your points for travel rewards.
    • Altitude Black Personal Shopper. If you don’t have the time to do your own shopping, a personal shopper can assist you with your shopping needs and finding the right gift for someone special. The personal shopper is purely online and can help you spend your points the right way.
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    BankSA Amplify Signature - Qantas
    • Bonus points. Earn 80,000 bonus Qantas Points when you spend $4,000 within the first 90 days of card approval. To take advantage of this offer, you must apply and be approved by 22 May 2019.
    • Reduced annual fee for the first year. Apply by 22 May 2019 and benefit from a reduced annual fee of $179 in the first year, saving you $100.
    • Qantas Points per $1 spent. You earn 0.75 Qantas Points for every dollar spent on transactions made with both Australian and overseas merchants, uncapped.
    • Qantas Club Lounge invitations. Enjoy a luxurious pre-flight experience with two complimentary Qantas Club Lounge invitations per year. You'll enjoy dedicated check-in, complimentary food and beverages as well as high speed Wi-Fi in the Qantas Club Lounges.
    • Complimentary insurances. There are 3 complimentary insurance policies included with this card: overseas travel insurance, extended warranty insurance, and price guarantee cover.
    • Hotel benefits. Credit card holders get to enjoy hotel benefits such as VIP guest status, automatic room upgrades, best rate guarantee and other benefits. These benefits are available as part of the Visa Luxury Hotel Collection when you take your trip with Amplify Signature.
    • Balance transfer offer. New customers who apply by 22 May 2019 can take advantage of a 0% p.a. interest rate for the first 6 months on balance transfers. After the promotional period, any balances remaining will be charged at the variable cash advance rate. Note that you cannot transfer balances from existing BankSA, Bank of Melbourne, or St.George credit cards.
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    American Express Velocity Platinum Card
    • 50,000 bonus Velocity Points. This card offers a bonus 50,000 Velocity Points when you apply, are approved and spend $3,000 on eligible purchases within the first 3 months from card approval. This offer is available to new card members, as well as bank-issued American Express companion cardholders.
    • Velocity Frequent Flyer Status Credits. Receive 100 Velocity Frequent Flyer Status Credits when you spend at least $50,000 on eligible purchases within the membership year.
    • Rewards program. This card earns 1.25 Velocity Points per $1 spent on everyday purchases and an additional Velocity Point per $1 spent on selected Virgin Australia purchases. Until 14 April 2019, earn 0.25 additional Velocity Points per $1 spent, except on transactions with government bodies in Australia where you continue to earn 0.5 points per $1 spent. Velocity Points don't expire as long as you earn or redeem points at least once every 24 months.
    • Complimentary domestic return flight. After your first card spend each year, the card offers a complimentary domestic return flight between select cities with Virgin Australia.
    • Complimentary lounge access. This card also offers two single entry passes to Virgin Australia lounges each year that can be used at selected domestic airports. You'll also receive two complimentary entries to the American Express Lounge at Sydney International Airport or Melbourne International Airport per year.
    • Complimentary travel insurance. If you pay for eligible travel on your card, you can take advantage of complimentary domestic and international travel insurance for your trip.
    • Purchase insurances. This card offers complimentary Refund Protection if you're refused a refund on an unused eligible item within 90 days of purchase and Purchase Protection for eligible items if they are accidentally broken or stolen within 90 days of purchase.
    • Additional cards. You can request an additional card for a partner or family member at no extra cost. This allows you to share your account and maximise rewards. Note that you will still be responsible for keeping the account in good standing.
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    ANZ Rewards Black Credit Card
    • Bonus points. Receive 120,000 bonus Reward Points when you spend $7,500 on eligible purchases within the first 3 months from card approval. As an example, 120,000 Reward Points can be redeemed for 60,000 Velocity Points or $520 worth of David Jones gift cards (115,560 points).
    • $100 back on your card. Get $100 back on your ANZ Rewards Black card when you spend $7,500 eligible purchases within the first 3 months from card approval.
    • Earn ANZ Rewards. This card boasts ANZ’s most competitive points earn rate. You’ll earn 2 ANZ Rewards Points per $1 spent on eligible purchases up to $5,000 per statement period. You’ll then earn 1 Rewards Point per $1 spent for spending above $5,000.
    • Redeeming points. If you belong to a partnered frequent flyer program, you can transfer your ANZ Reward Points for airline loyalty points with Virgin Australia’s Velocity, Air New Zealand, Singapore Airlines Krisflyer or Cathay Pacific Asia Miles. You can also redeem your points for cashback, gift cards and a variety of merchandise via the ANZ Rewards store. See our ANZ Rewards guide for further information on how to earn and redeem your points.
    • Complimentary insurance. Cardholders can take advantage of overseas travel and medical insurance, interstate flight inconvenience insurance and rental excess cover. Plus, shop with peace of mind thanks to extended warranty insurance, a best price guarantee scheme and 90-day purchase security insurance.
    • Airport lounge passes. Wait for your next flight in style with unlimited access to participating Véloce airport lounges outside of Australia for you and your additional cardholders.
    • Personal 24/7 concierge. You can access a personal concierge who can help you with anything from travel planning, travel advice, restaurant or hotel bookings or even picking out gifts for loved ones. You can contact your concierge on 1300 580 765 in Australia or, if you are overseas, on +61 2 8987 1677.
    • 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.
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    David Jones American Express Platinum Card - Qantas Frequent Flyer
    • Bonus points. If you opt for Membership Rewards points, you will receive 30,000 bonus points when you spend $750 outside of David Jones within the first three months of card activation. If you opt for Qantas Points, you will receive 15,000 bonus frequent flyer points.
    • Rewards program. Shopping at David Jones earns 4 rewards points (2 Qantas Points) for every dollar spent. When spending at major petrol stations and supermarkets, you’ll earn 3 reward points (1.5 Qantas Points) for every dollar you spend. All other transactions earn you 1 reward point (0.5 Qantas Points) for every dollar spent, uncapped. Please note that the Membership Rewards redemption rates are due to change from 15 April 2019. You can compare the upcoming exchange rates in this detailed guide.
    • David Jones in-store benefits. Expect complimentary priority delivery of items you buy in-store to your doorstep on the next business day, and alterations on all apparel for men and women that you buy in-store are free. Cardholders get exclusive invites to special VIP events like the Season Launch Fashion Parades, and if you're buying a gift you can enjoy complimentary gift wrapping. A unique Christmas-deferred payment option gives you the ability to delay payments for purchases made between 1 November and 24 December until the following February.
    • Complimentary airport lounge passes. You'll receive two complimentary entries to the American Express Lounge at Sydney International Airport or Melbourne International Airport per year.
    • Complimentary insurances. When you use this card to book tickets for flights you will receive complimentary travel insurance. This covers emergency medical expenses, personal liability, travel cancellation, as well as loss of money, documents, and baggage. Buyers Advantage extends manufacturer warranty on eligible items that you pay for using this card.
    • Fraud and purchase protection. If you contact American Express as soon as you find out about unauthorised transactions, you will not be held responsible for making payments for the same. Purchase protection helps if you lose, damage, or break an item you purchase using this card within 90 days.
    • Additional cardholders. Rack up points for other people's spending with up to 4 additional cardholders for $0 each.
    • Digital wallets. If you have an eligible smartphone, you can use your David Jones Amex Platinum card to make contactless payments using your smartphone courtesy of Apple Pay, Samsung Pay or Google Pay.
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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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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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