Australian credit cards from CommBank, ANZ, NAB, Westpac, and American Express — including Qantas Points, Velocity Frequent Flyer, and cashback rewards cards, all regulated by APRA and ASIC.
Rewards and points cards from the Big Four banks and American Express offer Qantas Points, Velocity Points, or bank-specific rewards on everyday spending. Platinum and black cards typically carry higher annual fees but earn at a higher rate.
Low rate cards from Bankwest, ING, and Coles Financial Services charge lower ongoing interest rates (typically 8–15% p.a.) and minimal annual fees — designed for cardholders who occasionally carry a balance.
Buy Now Pay Later services including Afterpay, Zip, and Klarna have grown as interest-free alternatives for retail purchases, though they are increasingly regulated under Australian credit laws.
American Express Australia
americanexpress.com
Premium Membership Rewards and Qantas Points-earning credit cards. Amex cards include concierge services, travel insurance, and airport lounge access on premium tiers.
CommBank Credit Cards
commbank.com.au
CommBank's credit card range including the Awards card earning CommBank Awards points and Qantas-linked cards. Apply online via NetBank.
ANZ Credit Cards
anz.com.au
ANZ rewards, Qantas, and Freestyle credit cards. The ANZ Rewards Platinum and Black cards earn ANZ Rewards points redeemable for flights and gift cards.
NAB Credit Cards
nab.com.au
NAB Qantas Rewards, Velocity, and Rewards credit cards. NAB Platinum and Black cards offer points-earning on everyday spend with complimentary insurance.
Westpac Credit Cards
westpac.com.au
Westpac Altitude, Qantas, and low-rate credit cards. Altitude Black cards earn Altitude Points transferable to Qantas, Velocity, and other partners.
Bankwest Zero Credit Card
bankwest.com.au
Bankwest Zero Mastercard has no annual fee. Low ongoing purchase rate with no foreign transaction fees for online and overseas purchases.
Coles Credit Card
colesfinancialservices.com.au
Coles Rewards Mastercard earns Flybuys points on all spend. No annual fee option with a competitive low rate for everyday use.
ING Orange One
ing.com.au
ING's low-rate credit card with no annual fee when conditions are met. 1% cashback on purchases for eligible ING customers.
Afterpay
afterpay.com
Australia's leading BNPL platform, splitting purchases into four interest-free fortnightly payments. Accepted at thousands of Australian retailers online and in-store.
Zip
zip.co
BNPL and credit platform. Zip Pay offers a revolving credit line; Zip Money provides up to $5,000 with interest-free periods for larger purchases.
Klarna Australia
klarna.com
Swedish BNPL provider operating in Australia. Pay in 4 instalments, pay later in 30 days, or use Klarna's flexible credit option at participating retailers.