Updated October 17, 2026 · SumCue Editorial Team

Top credit cards compared in Australia

125 providers available in Australia, ranked for Australia.

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Top credit cards compared in Australia
OrderProviderScoreFeaturesKey factsActions
1
Nexo logo
NexoTop pickPartner
8.9/10
  • No annual fee
  • Business
  • Travel
Annual fee:
€0
APR:
from 1.9%
Currency conversion fee:
0.2% to 2.5%
ReviewCompareVisit
2
Revolut UK logo
Revolut UKPartner
9.4/10
  • No annual fee
  • Travel
Annual fee:
€0
APR:
13.34% to 17.99%
Currency conversion fee:
0% to 2%
ReviewCompareVisit
3
BCP logo
BCPPartner
9.7/10
  • No monthly fee
APR:
8.9% to 87.5%
Credit needed:
Good
Legal entity:
Banco de Credito del Peru
ReviewCompareSee alternatives
4
Banco Pichincha logo
Banco PichinchaPartner
9.6/10
  • No monthly fee
  • Rewards
Rewards type:
Miles
Card kind:
Credit
Legal entity:
BANCO PICHINCHA C.A.
ReviewCompareSee alternatives
5
Union Pay International logo
Union Pay InternationalPartner
9.6/10
  • Travel
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
Nykredit logo
NykreditPartner
9.5/10
  • No monthly fee
Card kind:
Credit
Legal entity:
Nykredit Bank A/S
Headquarters:
Denmark
ReviewCompareSee alternatives
7
HBL logo
HBLPartner
9.4/10
  • No monthly fee
Card kind:
Credit
Legal entity:
Habib Bank Limited
Headquarters:
Pakistan
ReviewCompareSee alternatives
8
Santander Consumer Bank logo
Santander Consumer BankPartner
9.4/10
  • Fixed rate
APR:
2.99% to 11.98%
Currency conversion fee:
1.85%
Credit needed:
Fair
ReviewCompareSee alternatives
9
Alpha Bank logo
Alpha BankPartner
9.3/10
  • Rewards
Annual fee:
€30
APR:
17.75%
Rewards type:
Points
ReviewCompareSee alternatives
10
Commonwealth Bank of Australia Credit Cards logo
Commonwealth Bank of Australia Credit CardsPartner

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)

9.3/10
  • No annual fee
Annual fee:
A$0
APR:
20.99%
Currency conversion fee:
3.5%
ReviewCompareSee alternatives

Licensed in Australia

Nexo
AUSTRAC (Australia)
Commonwealth Bank of Australia Credit Cards
Australian Securities and Investments Commission (ASIC)
ANZ Credit Cards
Australian credit licence (licensing authority not named on the page)

Other rankings

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Other countries

Nexo

Nexo

Top pick for Australia

8.9/10Visit