Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings

Updated October 17, 2026 · DebitCue Editorial Team

Top credit cards compared in Australia

495 cards available in Australia, ranked for Australia.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. How we rank

Top credit cards compared in Australia
#CardScoreFeaturesKey factsActions
1
Airwallex logo
AirwallexTop pick
9.0/10
  • Multi currency
  • Virtual card
Currency conversion fee:
0.5%
Legal entity:
Airwallex (Singapore) Pte. Ltd.
Headquarters:
Singapore
ReviewCompareVisit
2
Nexo logo
Nexo
8.9/10
  • No annual fee
  • Multi currency
  • Crypto
  • Virtual card
Annual fee:
€0
APR:
from 1.9%
Currency conversion fee:
0.2% to 2.5%
ReviewCompareVisit
3
Binance Card logo
Binance Card
8.8/10
  • Crypto
  • Virtual card
Currency conversion fee:
1% to 2%
Legal entity:
Binance Holdings Ltd.
Founded:
2017
ReviewCompareVisit
4
Revolut logo
Revolut
9.2/10
  • No annual fee
  • Multi currency
  • Virtual card
Annual fee:
€0
APR:
13.34% to 17.99%
Currency conversion fee:
0% to 2%
ReviewCompareVisit
5
Union Pay International logo
Union Pay International
9.6/10
    Currency conversion fee:
    0%
    Rewards type:
    Points
    Perks:
    Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more
    		ReviewCompareSee alternatives
    6
    Alior Bank logo
    Alior Bank
    		9.5/10
      Support channels:
      Email, Chat, Phone, and 1 more
      		ReviewCompareSee alternatives
      7
      Bank of Valletta logo
      Bank of Valletta
      		9.5/10
        Legal entity:
        Bank of Valletta p.l.c.
        Headquarters:
        Malta
        Founded:
        1974
        		ReviewCompareSee alternatives
        8
        Airtm logo
        Airtm
        		9.4/10
        • Virtual card
        Legal entity:
        Airtm Inc.
        Support channels:
        Chat, Email, Help-centre
        		ReviewCompareSee alternatives
        9
        Commonwealth Bank of Australia Credit Cards logo
        Commonwealth Bank of Australia Credit Cards

        Earn up to $240 cashback on a new Low Fee credit card: A$40 per statement period, up to A$240 total (spend A$500+ per statement period, first 6 eligible periods)

        		9.4/10
        • No annual fee
        Annual fee:
        A$0
        APR:
        20.99%
        Currency conversion fee:
        3.5%
        		ReviewCompareSee alternatives
        10
        Navan logo
        Navan

        Navan Expense free for the first 5 monthly expensing users on Navan Business: Free for the first 5 users, then $15 per user per month

        		9.4/10
        • No annual fee
        Annual fee:
        $0
        Rewards type:
        Points
        Rewards rate:
        A percentage of Eligible Savings on reward-eligible bookings, percentage determined by Search Rank
        		ReviewCompareSee alternatives

        Licensed in Australia

        Nexo
        AUSTRAC (Australia)
        Commonwealth Bank of Australia Credit Cards
        Australian Securities and Investments Commission (ASIC)
        Macquarie Bank
        ASIC
        Up Bank
        Regulator not named on the cited page (Australian Credit Licence, National Credit Code)
        ANZ Credit Cards
        Australian credit licence (licensing authority not named on the page)
        ING Australia
        ASIC

        Other rankings

        Browse by category

        Other countries

        Airwallex

        Airwallex

        Top pick for Australia

        9.0/10Visit