Earth will save you money. You’ll pay the lowest rates on purchases and lowest annual fee for any card directly earning Qantas Frequent Flyer points1. Plus you’ll have access to our tiny balance transfer rate and lots of other privileges.

Some of the lowest rates. On Earth.
-Pay just 13.24%pa on purchases
-Up to 55 days interest free on purchases~
-Just 5.99%pa on certain Qantas products and services like flights and holidays
-A tiny 0.99%pa for 6 months on balance transfers*
-Plus pay a low annual fee of just $49

Qantas Frequent Flyer points. On Earth.
Earth gives you:
-1 point for every $1 you spend on your Earth American Express® Card - which gives you maximum points.
-0.5 point for every $1 you spend on your Earth MasterCard® card
- accepted at over 25 million locations worldwide. An extra point for every $1 you spend on certain Qantas services
Free Qantas Frequent Flyer membership, saving you $82.50 on the joining fee
- but only for a limited time

St George Vertigo MasterCard features:

• Low 10.99% per anum on purchases
• 0% per anum balance transfer for up to six months
• Awarded Australia’s Cheapest Credit Card. Money Magazine 2008
• $45 yearly fee
• Up to 55 days interest free days on purchases
• An additional card for a friend or family member
• Linked access to your other St.George accounts
• Instant discounts and added extras with St.George Instant Benefits

St George Platinum Card

St George Platinum features:

• Low Platinum 14.25% per anum purchases 18.25% per anum cash advance rate
• Low $89 Platinum yearly fee
• 3.99% per anum balance transfer rate for up to six months. Find out how much you could save!
• Up to 55 days interest free days on purchases
• Complimentary insurance
• International travel

Pay for your overseas return travel tickets with your St.George Platinum Credit Card and you automatically receive up to three months free travel insurance, which includes coverage for such items as overseas medical and hospital expenses, loss or damage to personal items such as luggage and travel documents, unexpected travel and accommodation expenses and much more. Your spouse and dependent children are also covered when they are travelling with you and the tickets are purchased on your St.George Platinum Credit Card.

• Domestic flight inconvenience insurance

When your domestic flight is paid on your St.George Platinum Credit Card, you and your spouse and dependent children are covered for the entire holiday. Your Platinum Credit Card ensures you receive meals, refreshments for substantial flight delays and essential clothing for specified luggage delays. You also receive coverage on the loss or damage of personal items, funeral expenses as a result of accidental death and the cancellation of domestic travel arrangements in unforseen circumstances.

• Transit accident

When you book and pay for travel with your St.George Platinum Card you are automatically protected against accidental death and injury while riding as a passenger or when boarding or alighting a plan, tourist bus, train or ferry for up to $750,000. Your spouse and dependent children are also covered when they are travelling with you and the tickets are purchased on your St.George Platinum Credit Card.

• Purchase cover

With most new personal items purchased on your Platinum Credit Card, you have the security of knowing they are immediately protected for three consecutive months against theft, loss or damage.

• Extended warranty

You receive up to 12 months free and automatic extended warranty on the manufacturer’s expressed Australian warranty on most new personal items purchased on your St.George Platinum Credit Card.

• Best price guarantee

This guarantee ensures that you get the best price on most new personal items. If after purchasing a good you see it at a cheaper price, you can claim the difference back

• Personal Concierge Service
• Your own Personal Concierge Service (24 /7)

Your St.George Platinum Credit Card gives you the luxury of your own Personal Concierge Service 24 hours, 7 days a week, at home or anywhere your travelling.
Your concierge can make dinner reservations for you and your guests, help out in an emergency, provide advice on shopping, and business services, get tickets for events and entertainment and book travel.
To find out how Platinum Personal Concierge Service can help make your life a little easier, please call either:
VISA Platinum Concierge Service
Worldwide VISA Global Assistance contact details
MasterCard Platinum Concierge Service
Worldwide MasterCard Global Assistance contact details

• Up to three free additional cards for your friends or family
• Linked access to your other St.George accounts
• Exclusive Platinum card programs offered by Visa and MasterCard
• Programs

St.George Bank Platinum credit card account holders will also have access to the exclusive Platinum card programs offered by VISA and MasterCard. Cardholders can access these benefits directly through the following web sites:
VISA Platinum
MasterCard Moments

• Instant discounts and added extras with St.George Instant Benefits

St George Gold Low Rate Credit Card

St George Gold Low Rate features:

• Higher credit limits – starting from $5,000
• One low 14.25% per anum rate for purchases and cash advances
• Up to 55 days interest free days on purchases
• $79 yearly fee
• Complimentary shopping and travel insurances
• International travel

Pay for your overseas return travel tickets with your St.George Gold Low Rate Credit Card and you automatically receive up to three months free travel insurance, which includes coverage for such items as overseas medical and hospital expenses, loss or damage to personal items such as luggage and travel documents, unexpected travel and accommodation expenses and much more. Your spouse and dependent children are also covered when they are travelling with you and the tickets are purchased on your St.George Gold Low Rate Credit Card.

• Transit accident

When you book and pay for travel with your St.George Gold Low Rate Card you are automatically protected against accidental death and injury while riding as a passenger or when boarding or alighting a plan, tourist bus, train or ferry for up to $750,000. Your spouse and dependent children are also covered when they are travelling with you and the tickets are purchased on your St.George Gold Low Rate Credit Card.

• Extended warranty

You receive up to 12 months free and automatic extended warranty on the manufacturer’s expressed Australian warranty on most new personal items purchased on your St.George Gold Low Rate Credit Card.

• Purchase cover

With most new personal items purchased on your Gold Low Rate Credit Card, you have the security of knowing they are immediately protected for three consecutive months against theft, loss or damage.

• Up to 3 free additional cards for your friends or family
• Linked access to your other St.George accounts
• Instant discounts and added extras with St.George Instant Benefits

St George Starts Low Stays Low Credit Card

St George Starts Low Stays Low features:

• One low 12.99% per anum rate for purchases and cash advances
• $59 yearly fee
• Up to 55 days interest free days on purchases
• Up to 3 additional cards for your friends or family
• Linked access to your other St.George accounts
• Instant discounts and added extras with St.George Instant Benefits

St George No Yearly Fee Credit Card

St George No Yearly Fee Credit Card features:

• No yearly fee
• 17.75% per anum on purchases and cash advances
• Up to 3 additional cards for your friends or family
• Linked access to your other St.George accounts
• Instant discounts and added extras with St.George Instant Benefits

No interest on balance transfers until 2009? Now that’s really something. Plus, with the annual card fee waived in the first year, you’re free to spend your money on more important things.

Take advantage of these great features:
• 0% p.a until January 2009* on balance transfers
• $0 annual fee in the first year

HSBC’s Low Rate Credit Card makes life easy:
• Up to 55 days interest-free on purchases
• Low interest rate of 13.99% p.a
• Access to HSBC’s home&Away Privilege Program with Instant Rewards in over 40 countries
• Cash withdrawals at over 800,000 ATMs worldwide
• Repayments at any HSBC branch, by mail, BPAY®, telephone, direct debit, online or at Australia Post
• Credit Cards Online for quick, easy and secure access to your account 24 hours a day
• Worldwide acceptance at over 24 million Visa merchants

Commonwealth Bank Low Fee Card
- 19.64% p.a. on purchases AND 20.74% p.a. on cash advances
- Up to 55 days interest free
- $24 annual fee
- Balance transfer rate 5.99% p.a. for 5 months
- Global access - over 24 million locations
- Issued with chip for extra security
- Online security guarantee
- Free additional cardholder

With up to 55 days interest free on all purchases, the Low Fee card lets you shop now without paying extra in interest. Combine that with a low annual fee of just $24 and you’ll really start saving.

Commonwealth Bank No Fee Card
- $0 Annual fee
- Balance transfer rate 5.99% p.a. for five months
- No interest-free period
- Interest rate 18.24% p.a.
- FREE additional credit card for a family member or friend
- Secure Internet Shopping protects you against online card fraud, 24 hours, 7 days a week
- For greater peace of mind, register with Secure Sentinel

When your flight home is cancelled or the mechanic calls with bad news, your No Fee card can take care of everything. Enjoy the security of emergency cash on demand with no annual fee to pay.

Commonwealth Bank Awards Card
- 20.74% p.a. on purchases AND cash advances
- Up to 55 days interest free
- $59 annual fee
- Balance transfer rate 5.99% p.a. for 5 months
- Issued with chip for extra security
- Global access - over 24 million locations
- Commonwealth Awards program - rewards program offering everything from cash back to DJs vouchers to blenders to magazine subscriptions to travel with over 400 different airlines around the world
- Online security guarantee
- Additional cardholder for $15

Hit the shops, fill up the fridge, pay the bills - however you use your card, you’ll earn one reward point for every dollar you spend. Use your card instead of cash and be rewarded.

Commonwealth Bank Gold Card
- 20.74% p.a. on purchases AND cash advances
- Up to 55 days interest free
- $114 annual fee
- Balance transfer rate 5.99% p.a. for 5 months
- Issued with chip for extra security
- Commonwealth Awards program + special Gold offers
- Additional cardholder for $15

Great travel card:
- Free international travel insurance (up to 3 months)
- Free transit accident insurance
- Commission-free travellers cheques
- Your Global Connection (premium integrated travel services)
- World-wide access (over 24 million locations)

Shopping benefits:
- Free Secure internet shopping (when shopping online – provided by MC and Visa)
- Free Purchase security insurance (replaces most personal goods which are lost, damaged or stolen for up to 90 days from date of purchase)
- Free Extended warranty insurance (extension on normal manufacturer’s warranty for up to 1 year on most goods purchased in Australia or overseas)
- Online security guarantee

Gold opens a world of exclusive opportunities. Take advantage of exceptional Gold rewards every time you shop or pay a bill, and get a range of exceptional travel benefits as well.

Commonwealth Bank Platinum Card
- 20.74% p.a. on purchases AND cash advances
- Up to 55 days interest free
- $200 annual fee
- Balance transfer rate 5.99% p.a. for 5 months
- Personal concierge service – just one phone call away
- Issued with chip for extra security
- Commonwealth Awards program + extra Platinum offers and bonus points
- Additional cardholder for $15

Travel benefits:
- Complimentary international travel insurance (up to 12 months)
- Interstate flight inconvenience insurance
- Transit accident insurance
- Commission-free travellers cheques
- Companion airfare deal
- World-wide access (over 24 million locations)

Shopping benefits:

• Secure internet shopping (when shopping online – provided by MC and Visa)
• Free Purchase security insurance (replaces most personal goods which are lost, damaged or stolen for up to 90 days from date of purchase)
• Free Extended warranty insurance (extension on normal manufacturer’s warranty for up to 1 year on most goods purchased in Australia or overseas)
• Online security guarantee

Compliment your lifestyle with a wide selection of outstanding rewards, travel services and benefits available exclusively to Commonwealth Bank Platinum cardholders.

At last a credit card that gives you a low interest rate of 11.99%p.a. on purchases.* Apply now and you’ll also receive 0%p.a. for 6 months on Balance TransfersØ. With Citibank Clear Card, the choice has never been clearer.
- 11.99%p.a. ongoing on purchases*
- 0% 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

Offer available online for a limited period only.

Apply Now.

Citibank Gold 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*.

Citibank Platinum Card

Exclusivity is Citibank Platinum

With an array of exclusive benefits and features, the Citibank Platinum Card has been designed to complement you lifestyle. As well as a low 2.9% p.a for 12 months on balance transfer you can also take advantage of the many upgrades and privileges at restaurants, hotel and shop worldwide.

BP-Citibank MasterCard

Don’t miss your chance to save 10% off petrol^ with the BP-Citibank MasterCard. With the BP-Citibank MasterCard the money you save is simply credited to your account.
• 10% off your petrol and everything else you buy at BP for three months^
• 1% off everything else you buy anywhere†
• 2.9%p.a. * for 12 months for all balances transferred†

BP-Citibank MasterCard

A credit card that gives you automatic savings on everything you buy anywhere.

With the BP-Citibank MasterCard the money you save is simply credited to your account.
- 5% off your petrol and everything else you buy at BP^
- 1% off everything else you buy anywhere†
- 2.9%p.a. * for 12 months for all balances transferred†

Don’t miss your chance to save 10% off petrol^ with the BP-Citibank MasterCard. With the BP-Citibank MasterCard the money you save is simply credited to your account.
• 10% off your petrol and everything else you buy at BP for three months^
• 1% off everything else you buy anywhere†
• 2.9%p.a. * for 12 months for all balances transferred†

BP-Citibank MasterCard Campaign
A credit card that gives you automatic savings on everything you buy anywhere.

With the BP-Citibank MasterCard the money you save is simply credited to your account.
- 5% off your petrol and everything else you buy at BP^
- 1% off everything else you buy anywhere†
- 2.9%p.a. * for 12 months for all balances transferred†

Rewards for reducing your balance

Be rewarded with Cashback to your ANZ Balance Visa or redeem Reward Points for Shopping Vouchers and Gift Cards for retailers such as Myer and David Jones and more.

The credit card that rewards you for reducing your balance

• Earn 1 Reward Point for every $1 you repay to your balance³, 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.

Visit the ANZ Balance Visa rewards website for more Rewards Program details.

ANZ Balance Visa is accepted at over 24 million locations worldwide.

Rates, fees and features

• Competitive interest rate on purchases of 13.99% p.a.
• Total Annual Fee - $79⁴
• Up to 55 days interest free credit on purchases
• Minimum credit limit of $1,000
• Design your own Card

> ANZ Balance Credit Card Full Details

ANZ Every Day Debit Card

ANZ Everyday Visa Debit card gives you worldwide acceptance of Visa while accessing your own money. You can make purchases online, over the phone and overseas at more than 24 million outlets around the world.

ANZ Everyday Visa Debit card: No credit application necessary.

With an ANZ Visa Debit Card you will also get

• Unlimited ANZ transactions for $6 a month. This includes ANZ ATMs, EFTPOS, ANZ Phone and Internet Banking, and ANZ branch transactions1.
• Full time students can also take advantage of a 50% discount on monthly account fees2

Managing your finances could be even easier by directly depositing your salary or other payments into your ANZ Everyday Visa Debit account. ANZ’s Online Guarantee offers protection on internet purchases plus ANZ Falcon™ monitoring of suspicious transactions.

> ANZ Every Day Debit Card Full Details

ANZ First Credit Card

A simple, straight forward, low annual fee credit card

For a low annual account fee this everyday credit card will give you the support you need to

• Make your everyday purchases
• Pay bills

Rates, fees and features

Interest rate of 19.49% 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

> ANZ First Credit Card Full Details

ANZ Frequent Flyer Credit Card

Get your Frequent Flyer Points balance started today!

Earn Qantas Frequent Flyer points from your everyday credit purchases and start climbing the point?s ladder towards your next holiday.

Earning Points

• 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 ³.
• Earn Unlimited Bonus Points 3

Rates, fees and features

• Interest rate of 20.74% p.a.
• $95 total annual fee5
• Up to 44 days interest free credit on purchases
• Visa acceptance at over 24 million locations worldwide.
• Access cash advances from ATM?s all around the world 4
• Minimum credit limit of $1,000

> ANZ Frequent Flyer Credit Card Full Details

ANZ Low Rate MasterCard

ANZ Low Rate MasterCard is ANZ’s low interest rate credit card

Find out how much you can save when you apply for an ANZ Low Rate MasterCard with a balance transfer rate of 0% for the first 6 months

Rates, fees and features

• Low interest rate of 12.99% p.a. on purchases and 20.99% p.a. on cash advances
• $58 annual account fee
• Up to 55 days interest free credit on purchases
• Design your own Card

> ANZ Low Rate Credit Card Full Details

ANZ Rewards Credit Card

Flexible Credit Card Rewards

With an ANZ Rewards Visa credit card you will be rewarded for your everyday purchases with a flexible credit card rewards program.

ANZ Rewards Visa offers flexible credit card rewards

ANZ Rewards Visa allows you to choose from a range of credit card rewards:

• Cash credited to your ANZ Rewards Visa credit card
• Shopping and gift vouchers
• Holiday rewards through Qantas, Virgin, Jet Star and REX
• Adventure or leisure experiences including Day Spas, V8 car racing, hot air ballooning and others
• Other rewards including iPods, movie tickets, digital cameras, kitchen appliances and much more.

ANZ Rewards Visa credit card is accepted at over 24 million locations worldwide.

Earning Points

• Earn one point for every $1.50 spent on your credit card purchases (excluding cash equivalent transactions) up to a maximum spend of $50,000 per card account per year3.
• Earn Unlimited Reward Bonus Points at over 500 Bonus Partner outlets

Rates, fees and features

• Interest rate of 20.74% p.a.
• Low $48 total annual fee4
• Up to 44 days interest free credit on purchases
• Minimum credit limit of $1,000

> ANZ Rewards Credit Card Full Details

ANZ Gold Credit Card

Cover yourself in Gold

With an ANZ Gold credit card you will enjoy peace of mind with 2 tiers of insurance protection

• Overseas Travel and Medical Insurance 3
• 90-day Purchase Security Insurance 4

ANZ Gold is a gold credit card with insurance protection

With Visa acceptance at over 24 million locations worldwide you can making secure, convenient purchases anytime, anyplace.

Rates, fees and features

• $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
• Balance Transfer rate 7.99% for first 6 months

> ANZ Gold Credit Card Full Details

ANZ Credit Cards

Majority of people are aware of ANZ credit cards. These days, most people look for credit cards because they want to transfer large amounts of money to the low interest credit cards from their high interest credit card which in turn saves them lost of money. These balance transfers as it is widely known allow a person to turn away for fluctuating interest rates that such the wallets of every credit card holder. High rate of interest can actually be hard to tackle because when a person owes large amount of balance on his credit card. This is the main reason why most of the people these days turn towards credit cards like ANZ first card in order to ease their stress.

This, ANZ first credit card, is available with a 7 percent of low balance transfer rate. This means the card holder can transfer his current balance amount to the ANZ first card at a 7 percent low rate and then save almost 44 days of interest free purchases on the credit card. The ANZ credit card is one of the best consumer credit cards available in Australia that has excellent balance transfer rates. These balance transfer rates are useful for those people who consider saving extra money by cutting the interest rate. Security is another reason why most of the people look for good balance transfer credit cards. Security means safety online and offline with transfers, purchases and many other financial activities.

Online fraud safety means that a credit card holder has the highest level of protection on their credit card every time they purchase something online. The credit card company will not be responsible for those charges which are being made without their concern or by someone who has stolen the financial information. The ANZ first credit card ensures that the credit card holder is protected online and also offline. The ANZ first credit card is not only a credit card that offers the opportunity to transfer balance amount but also helps in securing the credit as well.

The ANZ first credit card offers an individual the option of having up to three free extra credit card holders on his account. If he wants to include his wife or his children’s on his account then he does not have to pay additional fees. He must only contact ANZ and get up to three extra credit cards without any extra charge. This ANZ credit card is said to be one of the many Australian options for large balance amount transfer rates and safety purposes.

It is for this reason that we have assessed the business credit cards currently on the market in Australia and assembled the following list. These credit cards are the best for any number of reasons. From this list you should be able to evaluate the relative plusses and minuses of each and establish which one suits your business in particular.

It is important to know that there is a gradation of credit cards; from silver, gold, platinum and then to titanium (rare in the Australian market). These are the metals that actually define a particular best business credit card. Titanium, platinum and usually gold credit cards are generally used in business transactions and they are tailored towards providing lots of benefits for each transaction. Generally a silver credit card would never be used for a business.

Whenever an individual or business obtains one of these “best business credit cards”, one of the main benefits he or she can gain is the longer period of time that they have to pay back the credit – this can usually be extended to almost 50 days. The credit period of 50 days can be enjoyed by the user if he or she has made a purchase using the business credit card one day in advance of generating the business credit cards statement.

The credit cards listed here are highly recommended as outstanding performers in the Australian market over a long period of time as business credit cards and are all from reputable financial institutions. Your business should enjoy using them over a very long period of time.

Certainly, one of the best methods to save on interest rates is to pay the entire balance amount of the credit card at the end of every billing cycle. This way a business can effectively borrow an amount of money for a short period without having to pay the interest. However, for some businesses paying the interest on their business credit card is the best option. Finding a cheap and affordable business credit card is not at all difficult, more so when an individual or business has a good credit history. Credit card companies such as American Express, Master Card, and Visa Discover – to name just a few – offer low interest business credit cards.

Thus, a business can easily apply for a low interest credit card with any preferred credit card company. Often these credit card companies send emails as it is a new method of advertising their low interest business credit cards, on the net. While mailings and advertisements provide every individual with a lot of information, and one can easily learn about the existing features, people should make it a point not to rely on such information. It’s advisable to do your own research, so that you can find out any hidden details if there are. Looking up business credit card websites, also gives you lots of information. You can learn of the initial rates, additional benefits and long term rates of these credit cards. You also need to compare various low interest credit cards, so that you find the best option for you.

The initial rate offer generally provides a business with one excellent method to save on interest expenditures. Most business credit cards provide a particular initial offer to attract new customers to apply for a credit card. Actually, most of these initial offers are zero percent APRs and they usually last just for a year. But this is varied as well, it could be just 6 months, 3 months or even a month. Often a business’ or individual’s credit history is taken into account and plays an important role in deciding how long the initial offer is good for.

Low fixed interest rates are always an attractive offer with business or other types of credit cards. These cards actually do not have a great initial rate, however, the interest rate remains constantly low when it is compared with other credit cards. This is said to be one of the best alternatives if a person or business know they will be carrying a certain amount of debt on a credit card for a longer period of time. Even though the low fixed rate may not be as attractive as the zero percent initial, it can still accumulate substantial amount of money for a person in the long run.

It is a bit of effort and expense to set up corporate credit cards for your travelling employees to use, however, by linking these ad-hoc expenses from the credit cards to your corporate account they become a lot more manageable. Keeping a record of a most of the business expenses that your employees are incurring becomes easier. 

Your employees will also greatly appreciate not having to cover their business travel expenses out of their own pockets and because their expenses are being directly billed back to the company the issues surrounding expenses are taken out of their hands and they can focus on the job that they are travelling to do.

Travel rewards are also important.  If you have selected a credit card which allows you to collect loyalty points for every dollar spent and transfer those to an airline frequent flyer program the business and the employees can directly benefit. The business can redeem those miles and realize the benefits involved.

There are many other benefits involved in using business credit cards for travel. These include packaged travel insurance, fraud protection and emergency funds should the worst happen and the employees belongings be lost or stolen.