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ANZ® First Credit Card
- Interest rate of 19.24% p.a.*
- Low $30 annual account fee discounted to $26 when linked to an ANZ Access Account.
- Up to 44 days interest free credit on purchases.
- Visa acceptance at over 24 million locations worldwide.
- Minimum credit limit of $1,000.
- Design your own Card
*see website for terms and conditions
ANZ® Frequent Flyer Credit Card
- Earn up to one Qantas Frequent Flyer Point for every dollar up to $1,500 spent on purchases monthly (excluding cash equivalent transactions)
- Earn up to one Qantas Frequent Flyer point for every two dollars thereafter, up to and including a maximum monthly spend of $5,000.
- Earn Unlimited Bonus Points
- Interest rate of 19.99% p.a.
- $95 total annual fee
- Up to 44 days interest free credit on purchases
- Visa acceptance at over 24 million locations worldwide.
- Access cash advances from ATMs all around the world
- Minimum credit limit of $1,000
*see website for terms and conditions
ANZ® Everyday Visa® Debit Card
- $0 monthly fee for the first 6 months
- Use your own money to shop, online, overseas or over the phone
- Unlimited ANZ Transactions for $6 a month
- Protection against fraudulent purchases with Online Guarantee
*see website for terms and conditions
Citibank Silver Credit Card
- Citibank Silver gives you automatic benefits and a security guarantee.
- 2.9% for 12 months on balance transfers.
- Up to 55 days interest-free on purchases.
- To reduce the interest paid on the life of balances you transfer.
- Generous credit limits of up to $7,500.
- Low annual fees for primary and additional cardholders.
- Free Rewards program1 with points that never expire and the option of Qantas Frequent Flyer Points.
- Free purchase cover insurance for lost, stolen or damaged goods.
- Extra security with a photo card, digital signature and Fraudshield protection.
*see website for terms and conditions
Citibank Clear Credit Card
- At last a credit card that gives you a low interest rate of 12.49%p.a. on purchases. Apply now and you will also receive 2.9%p.a. for 6 months on Balance Transfers. With Citibank Clear Card, the choice has never been clearer.
- 12.49%p.a. ongoing on purchases.
- 2.9% for 6 months on Balance Transfers.
- Access your account anywhere, anytime via Internet and phone banking.
- Up to 55 days interest free on retail purchases.
*see website for terms and conditions
Citibank Platinum Credit Card
- Enjoy the freedom and luxury of higher levels of credit, exclusive privileges and an extensive choice of rewards no other credit card can match.
- Credit limit up to $100,000.
- 4.9% p.a. on the life of balance transfers - Transfer your outstanding balances from other credit or store cards and you'll enjoy a low 4.9% p.a. until you have paid off the entire balance.
- 24/7 Personal Concierge Service - Enjoy the privilege and convenience of a personal concierge service to provide you with information and assistance for both business and pleasure. The service is available from anywhere in the world, 24 hours a day 7 days a week.
- Free international travel insurance - Automatically covers you and your family when you buy your travel tickets with your Citibank Platinum Card. Your cover includes medical and unexpected travel expenses, trip cancellation, personal liability and loss of damage to personal items.
- Personalised rewards program - With Citibank Platinum you’ll never be limited by a rewards catalogue.
*see website for terms and conditions
ANZ® Low Rate MasterCard®
- Low interest rate of 12.41% p.a. on purchases and 20.41% p.a. on cash advances*
- $58 annual account fee
- Up to 55 days interest free credit on purchases
- Design your own Card
*see website for terms and conditions
Citibank Gold Credit Card
- Keep you finances afloat with a lighter interest rate of 2.9% p.a. for 12 months on balance transfer. Simply transfer the outstanding amount from your non-Citibank credit and store cards, to your new Citibank Gold Card, and enjoy a low 2.9% p.a for 12 months on balance transfers.
- Free International Travel Insurance - Automatically covers you and your family when you buy your travel tickets with your Citibank Gold Card.
- Automatic FREE access to a superior Rewards Program - You'll earn Reward points every time you use your Citibank Credit Card, which you can choose to redeem for a great range of items and vouchers, including Qantas Frequent Flyer points.
- Access to Citibank World Privileges - It's your passport to exclusive upgrades, benefits and discounts at thousands of hotels, restaurants, shops, shows and services worldwide.
- Generous credit limit up to $25,000.
- Up to 55 Days Interest-free on retail purchases.
- FRAUD SHIELD - the fraud department checks any unusual activity to detect early signs of fraud and will contact you to check when they spot irregular purchases.
*see website for terms and conditions
ANZ® Gold Credit Card
- $87 annual account fee
- Up to 55 days interest free credit on purchases
- Access to ANZ Gold Liberty 24hr global travel service
- Commission free traveller's cheques when purchased through any ANZ branch in Australia.
- View full travel benefits
- Credit limit up to $25,000
*see website for terms and conditions
ANZ® Balance Credit Card
- Earn 1 Reward Point for every $1 you repay to your balance1, including interest and fees on your ANZ Balance Visa and repayments on any balances transferred
- Redeem Reward Points for Cashback, Shopping Vouchers and Gift Cards
- No limit to the number of Reward Points you can earn
- Your Reward Points will not expire as long as your account remains open
- The ability to set up an Auto-Redemption so your chosen reward is automatically sent to you when you are eligible for it.
- Competitive interest rate on purchases of 13.41% p.a.
- Total Annual Fee - $79
- Up to 55 days interest free credit on purchases
- Minimum credit limit of $1,000
- Design your own Card
*see website for terms and conditions

Credit Cards for Bad Credit

The following Bad Credit Credit Card offers are designed for consumers. Compare card offers side by side and apply for the credit card that is right for you.

Apply for a Credit Card Online in 3 Easy Steps...

1. Select the Type of Credit Card you are looking for from Bad Credit Credit Card Below

2. Compare Credit Card Offers side by side

3. Apply for the Credit Card of your choice by filling out an online credit card application