Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Rate

Concierge

Service

Extended

WarrantyTravel

Insurance

����� "Outstanding Value"

10.99% 19.99% 49 - 55 1,000+ ✘Australian Military Bank Low Rate Visa Card ✘ ✘ ✘

9.89% 9.89% 59 - 0 1,000+ ✘Bank Australia Low Rate Visa CreditCard ✘ ✘ ✘

11.95% 11.95% Nil - 44 1,000 - 10,000 ✘BankVic Visa Silver credit card ✘ ✘ ✘

8.99% 8.99% 40 - 55 1,000 - 15,000 ✘Community First CU Low Rate Visa Cred Card ✘ ✘ ✘

8.99% 8.99% 40 - 55 1,000 - 15,000 ✘Community First CU McGrath Pink Visa Card ✘ ✘ ✘

9.99% 15.99% 50 - 50 Up to 75,000 ✘G&C Mutual Bank Low Rate Visa Credit Card ✘ ✘ ✘

9.99% 9.99% 46 - 55 1,000 - 30,000 ✘Intech Credit Union Titanium Visa 55 ✘ ✘ ✘

9.99% 9.99% Nil - 55 1,000 - 20,000 ✘ME Bank frank credit card ✘ ✘ ✘

10.76% 10.76% 30 - 55 1,000 - 30,000 ✘Police Bank Visa Credit Card ✘ ✘ ✘

7.99% 7.99% 36 - 55 2,000 - 25,000 ✘Quay Credit Union Visa Credit Card ✘ ✘ ✘

10.49% 10.49% 30 - 55 1,000 - 30,000 ✘SCU Low Rate Visa Credit Card ✘ ✘ ✘

10.99% 10.99% 30 - 55 500 - 30,000 ✘Select Credit Union Visa Credit Card ✘ ✘ ✘

11.50% 11.50% Nil - 55 1,000 - 25,000 ✘Teachers Mutual Bank Teachers Credit Card ✘ ✘ ✘

11.50% 11.50% Nil - 55 1,000 - 25,000 ✘UniBank Visa Credit Card ✘ ✘ ✘

9.99% 19.99% 84 - 55 6,000+ ✘Victoria Teachers Mutual Bank Visa Platinum Credit Card ✔ ✘ ✔

����

11.99% 19.49% 49 - 55 500 - 20,000 ✔Bank of Sydney Visa Classic ✘ ✘ ✘

11.80% 11.80% 40 - 55 500 - 20,000 ✘bcu Classic Visa Card ✘ ✘ ✘

12.24% 12.24% 45 - 44 500 - 50,000 ✘Bendigo Bank Basic Black MasterCard ✘ ✘ ✘

Credit Card Star Ratings 2016 - Page 1Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Rate

Concierge

Service

Extended

WarrantyTravel

Insurance

����

12.24% 12.24% 45 - 44 500 - 50,000 ✘Bendigo Bank Basic Black Visa ✘ ✘ ✘

11.99% 18.99% 29 - 45 500+ ✘Big Sky Building Society Low Rate Visa Card ✘ ✘ ✘

9.99% 19.99% 49 - 62 500+ ✔Coles Low Rate Mastercard ✘ ✘ ✘

9.99% 19.99% 49 - 62 500+ ✔Coles Low Rate Platinum MasterCard ✔ ✘ ✘

13.49% 21.24% 59 - 55 500+ ✘Commonwealth Bank Low Rate MasterCard ✘ ✘ ✘

11.74% 11.74% 45 - 55 1,000 - 25,000 ✘Defence Bank True Blue Credit Card ✘ ✘ ✘

11.80% 11.80% Nil - 0 1,000 - 75,000 ✘Heritage Bank Gold Low Rate ✘ ✘ ✘

11.99% 18.99% 25 - 55 1,000 - 30,000 ✘Holiday Coast CU Light Visa Credit Card ✘ ✘ ✘

13.15% 17.95% Nil - 55 500 - 20,000 ✘Hume Bank Value ✘ ✘ ✘

11.49% 16.49% 59 - 55 1,000 - 30,000 ✘Hunter United Visa Credit Card - Home Loan Bwrs ✘ ✘ ✘

11.49% 11.49% 49 - 55 500 - 20,000 ✘Newcastle Permanent Value+ Credit Card ✘ ✘ ✘

11.49% 19.99% 40 - 45 1,000+ ✘P&N Bank Classic Visa ✘ ✘ ✘

11.49% 19.99% 80 - 45 6,000+ ✘P&N Bank Visa Platinum ✔ ✔ ✔

12.95% 12.95% 59 - 62 1,000+ ✘People's Choice Credit Union Visa Credit Card ✘ ✘ ✘

13.24% 13.24% Nil - 55 1,000 - 25,000 ✘Qld Police Credit Union Bluey Card ✘ ✘ ✘

12.74% 21.99% 55 - 0 2,000 - 20,000 ✘Suncorp Bank Standard Card ✘ ✘ ✘

12.94% 12.94% Nil - 55 500+ ✘Victoria Teachers Mutual Bank Visa Classic Credit Card ✘ ✘ ✘

13.49% 21.49% 59 - 55 500+ ✘Westpac Low Rate Visa Card ✘ ✘ ✘

���

Credit Card Star Ratings 2016 - Page 2Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Rate

Concierge

Service

Extended

WarrantyTravel

Insurance

���

13.99% 21.74% 79 - 55 1,000 - 25,000 ✔ANZ Balance Visa ✘ ✘ ✘

19.74% 21.49% 30 - 44 1,000 - 25,000 ✘ANZ First ✘ ✔ ✘

13.49% 21.74% 58 - 55 1,000 - 25,000 ✘ANZ Low Rate ✘ ✘ ✘

13.49% 21.74% 99 - 55 6,000+ ✘ANZ Low Rate Platinum ✔ ✔ ✔

19.74% 21.49% 87 20000 55 6,000+ ✘ANZ Platinum ✔ ✔ ✔

18.79% 20.99% 80 - 44 1,000 - 25,000 ✔ANZ Rewards ✘ ✘ ✘

18.79% 20.99% 95 - 55 6,000+ ✔ANZ Rewards Platinum ✔ ✔ ✔

12.99% 21.74% 49 - 55 2,000+ ✘Auswide Bank Low Rate MasterCard ✘ ✔ ✘

12.99% 17.49% 39 8000 57 500 - 30,000 ✘B&E Personal Banking Visa Credit Card ✘ ✘ ✘

12.89% 12.89% Nil - 55 1,000+ ✘Bank Australia Visa Credit Card ✘ ✘ ✘

19.49% 20.24% 79 - 55 1,000 - 80,000 ✔Bank of Melbourne Amplify Classic ✘ ✘ ✘

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔Bank of Melbourne Amplify Platinum ✔ ✔ ✔

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘Bank of Melbourne Vertigo Platinum ✔ ✔ ✔

13.24% 21.49% 55 - 55 500 - 40,000 ✘Bank of Melbourne Vertigo Visa ✘ ✘ ✘

18.49% 19.49% 129 - 55 6,000+ ✔Bank of Sydney Visa Platinum ✔ ✔ ✔

19.49% 20.24% 79 - 55 1,000 - 80,000 ✔BankSA Amplify Classic ✘ ✘ ✘

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔BankSA Amplify Platinum ✔ ✔ ✔

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘BankSA Vertigo Platinum ✔ ✔ ✔

13.24% 21.49% 55 - 55 500 - 40,000 ✘BankSA Vertigo Visa ✘ ✘ ✘

Credit Card Star Ratings 2016 - Page 3Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Rate

Concierge

Service

Extended

WarrantyTravel

Insurance

���

16.95% 16.95% 50 - 55 5,000 - 30,000 ✔BankVic Visa Gold credit card ✘ ✔ ✔

12.99% 21.99% 89 - 55 5,000 - 50,000 ✘Bankwest Breeze Gold MasterCard ✘ ✔ ✔

12.99% 21.99% 59 - 55 1,000 - 25,000 ✘Bankwest Breeze MasterCard ✘ ✘ ✘

12.99% 21.99% 99 - 55 6,000+ ✘Bankwest Breeze Platinum MasterCard ✔ ✔ ✔

17.99% 21.99% Nil - 55 5,000+ ✘Bankwest Zero Gold MasterCard ✘ ✔ ✔

17.99% 21.99% Nil - 55 1,000 - 25,000 ✘Bankwest Zero MasterCard ✘ ✘ ✘

17.99% 21.99% Nil - 55 6,000+ ✘Bankwest Zero Platinum MasterCard ✔ ✔ ✔

16.80% 16.80% 40 - 55 500 - 20,000 ✔bcu Rewarder Visa Card ✘ ✘ ✘

18.99% 18.99% 119 - 55 6,000 - 50,000 ✔Bendigo Bank Platinum Visa ✔ ✔ ✔

19.74% 19.74% 45 - 44 500 - 50,000 ✔Bendigo Bank Ready Red MasterCard ✘ ✘ ✘

19.74% 19.74% 45 - 44 500 - 50,000 ✔Bendigo Bank Ready Red Visa ✘ ✘ ✘

19.64% 19.64% 24 - 55 500 - 50,000 ✔Bendigo Bank RSPCA Rescue Rewards ✘ ✘ ✘

15.49% 15.49% 24 - 44 500 - 50,000 ✘Bendigo Bank RSPCA Rescue Visa ✘ ✘ ✘

12.49% 19.99% 49 - 62 1,000 - 80,000 ✘Beyond Bank Low Rate Visa Credit Card ✘ ✘ ✘

16.58% 18.99% 49 - 45 500+ ✔Big Sky Building Society Cash Rewards Visa Card ✘ ✘ ✘

13.49% 21.49% 55 - 55 2,000 - 20,000 ✘BOQ Low Rate Visa Card ✘ ✘ ✘

14.99% 21.74% 99 - 55 6,000 - 100,000 ✘Citi Clear Platinum Visa ✔ ✔ ✘

19.99% 19.99% Nil - 55 6,000 - 100,000 ✘Citi Simplicity ✔ ✔ ✘

17.00% 17.00% 75 12000 55 500 - 25,000 ✔Coastline Credit Union Visa Rewarder ✘ ✘ ✘

Credit Card Star Ratings 2016 - Page 4Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Rate

Concierge

Service

Extended

WarrantyTravel

Insurance

���

19.99% 19.99% Nil - 62 500+ ✔Coles No Annual Fee MasterCard ✘ ✘ ✘

19.99% 19.99% Nil - 62 6,000+ ✔Coles No Annual Fee Platinum MasterCard ✔ ✘ ✘

19.99% 19.99% 89 - 62 500+ ✔Coles Rewards MasterCard ✔ ✘ ✘

19.99% 19.99% 89 - 62 6,000+ ✔Coles Rewards Platinum MasterCard ✔ ✘ ✘

20.24% 21.24% 119 - 55 4,000+ ✔Commonwealth Bank Gold Awards ✘ ✔ ✔

19.74% 21.24% 89 10000 55 4,000+ ✘Commonwealth Bank Low Fee Gold MasterCard ✘ ✔ ✔

19.74% 21.24% 29 1000 55 500+ ✘Commonwealth Bank Low Fee MasterCard ✘ ✘ ✘

13.49% 21.24% 89 - 55 4,000+ ✘Commonwealth Bank Low Rate Gold MasterCard ✘ ✔ ✔

20.24% 21.24% 59 - 55 500+ ✔Commonwealth Bank Standard Awards ✘ ✘ ✘

12.99% 21.74% 49 - 55 2,000 - 15,000 ✘CUA Low Rate MasterCard ✘ ✔ ✘

10.95% 10.95% 48 - 55 1,000 - 50,000 ✘ECU Australia Low Rate Visa Credit Card ✘ ✘ ✘

15.99% 15.99% 36 - 45 500 - 25,000 ✔First Option Credit Union Cash Rewards Visa Credit Card ✘ ✘ ✘

13.49% 13.49% 18 - 45 500 - 25,000 ✘First Option Credit Union Low Rate Visa Credit Card ✘ ✘ ✘

20.99% 20.99% Nil - 55 6,000+ ✘GE Money 28 Degrees Platinum MasterCard ✔ ✘ ✘

21.74% 29.49% 59.4 - 62 1,000+ ✔GE Money GO MasterCard ✘ ✘ ✘

16.75% 16.75% 55 25000 55 1,000 - 50,000 ✘Heritage Bank Classic ✘ ✘ ✘

16.75% 16.75% 125 35000 55 6,000 - 500,000 ✘Heritage Bank Platinum ✔ ✔ ✔

17.99% 21.99% Nil - 55 1,000+ ✘HSBC Credit Card ✘ ✘ ✘

19.99% 21.99% 149 6000 55 6,000+ ✔HSBC Platinum Credit Card ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 5Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Rate

Concierge

Service

Extended

WarrantyTravel

Insurance

���

17.95% 17.95% 30 8000 55 500 - 50,000 ✔Hume Bank Clear ✘ ✘ ✘

11.99% 16.99% 59 - 55 1,000 - 30,000 ✘Hunter United Visa Credit Card ✘ ✘ ✘

12.99% 21.74% 49 - 55 2,000+ ✘IMB Low Rate MasterCard ✘ ✔ ✘

14.99% 21.99% 59 - 55 2,000 - 50,000 ✔Jetstar MasterCard ✘ ✘ ✘

13.54% 13.54% 15 - 55 500 - 10,000 ✘Macquarie Credit Union Visa Credit Card ✘ ✘ ✘

20.69% 20.69% 69 - 62 750+ ✔Myer Myer Visa Card ✘ ✘ ✘

12.99% 21.74% 49 - 55 2,000+ ✘MyState Low Rate MasterCard ✘ ✔ ✘

19.74% 21.74% 30 - 44 500+ ✘NAB Low Fee Visa Card ✘ ✘ ✘

13.99% 21.74% 59 - 55 500+ ✘NAB Low Rate Card ✘ ✘ ✘

19.74% 21.74% 90 - 44 6,000+ ✘NAB Premium Visa Card ✔ ✔ ✔

19.99% 21.74% 95 - 44 500 - 500,000 ✔NAB Qantas Rewards Card ✘ ✘ ✘

19.99% 21.74% 150 - 44 6,000 - 50,000 ✔NAB Velocity Rewards Premium Card ✔ ✔ ✔

14.00% 14.00% 40 - 55 1,000 - 25,000 ✘Northern Inland CU Visa Credit Card ✘ ✘ ✘

17.24% 17.24% 48 - 55 1,000 - 25,000 ✔Qld Police Credit Union Bluey Rewarder Card ✘ ✘ ✘

12.99% 21.74% 49 - 55 2,000+ ✘QT Mutual Bank Low Rate MasterCard ✘ ✔ ✘

12.99% 21.74% 49 - 55 2,000+ ✘Queenslanders CU Low Rate MyCard ✘ ✔ ✘

15.25% 15.25% Nil - 0 500 - 10,000 ✘SERVICE ONE Alliance Bank Visa ✘ ✘ ✘

19.49% 20.24% 79 - 55 1,000 - 80,000 ✔St.George Bank Amplify Classic ✘ ✘ ✘

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔St.George Bank Amplify Platinum ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 6Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Rate

Concierge

Service

Extended

WarrantyTravel

Insurance

���

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘St.George Bank Vertigo Platinum ✔ ✔ ✔

13.24% 21.49% 55 - 55 500 - 40,000 ✘St.George Bank Vertigo Visa ✘ ✘ ✘

20.50% 21.99% 120 - 55 5,000 - 25,000 ✔Suncorp Bank Gold Card ✘ ✘ ✘

20.74% 21.99% 169 - 55 6,000 - 30,000 ✔Suncorp Bank Platinum Card ✔ ✔ ✔

18.99% 20.99% Nil - 44 2,000 - 30,000 ✘Virgin Money No Annual Fee Credit Card ✘ ✘ ✘

19.84% 21.29% 30 5000 55 500+ ✘Westpac 55 Day Classic ✘ ✘ ✘

19.84% 21.29% 90 10000 55 6,000+ ✘Westpac 55 Day Platinum ✔ ✔ ✔

20.24% 20.74% 100 - 45 500+ ✔Westpac Altitude ✘ ✘ ✘

20.24% 20.74% 150 - 45 6,000 - 30,000 ✔Westpac Altitude Platinum ✔ ✔ ✔

��

20.74% N/A 99 - 44 2,000 - 30,000 ✔American Express David Jones Card ✘ ✘ ✘

20.74% N/A 195 - 55 3,000 - 50,000 ✔American Express Platinum Edge Credit Card ✘ ✔ ✔

20.74% N/A Nil - 44 2,000 - 25,000 ✔American Express Qantas Discovery Card ✘ ✘ ✘

20.74% N/A Nil - 44 3,000 - 50,000 ✔American Express Velocity Escape Card ✘ ✘ ✘

19.99% 21.49% 95 - 44 1,000+ ✔ANZ Frequent Flyer ✘ ✘ ✘

20.24% 21.74% 99 - 55 6,000+ ✔Auswide Bank Platinum MasterCard ✔ ✔ ✔

18.74% 18.74% 189 - 55 1,000+ ✔Bank Australia Platinum Rewards Visa Credit Card ✔ ✘ ✔

20.49% 20.49% Nil - 55 500 - 40,000 ✘Bank of Melbourne No Annual Fee Visa ✘ ✘ ✘

20.49% 20.49% Nil - 55 500 - 40,000 ✘BankSA No Annual Fee Visa ✘ ✘ ✘

Credit Card Star Ratings 2016 - Page 7Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Rate

Concierge

Service

Extended

WarrantyTravel

Insurance

��

19.99% 21.99% 120 - 55 5,000 - 50,000 ✔Bankwest More Gold MasterCard ✘ ✔ ✔

19.99% 21.99% 70 - 55 1,000 - 25,000 ✔Bankwest More MasterCard ✘ ✘ ✘

19.99% 21.99% 140 - 55 6,000 - 100,000 ✔Bankwest More Platinum MasterCard ✔ ✔ ✔

20.49% 21.99% 100 - 55 1,000+ ✔Bankwest Qantas Classic MasterCard ✘ ✘ ✘

20.49% 21.99% 150 - 55 5,000+ ✔Bankwest Qantas Gold MasterCard ✘ ✔ ✔

20.49% 21.99% 160 - 55 6,000+ ✔Bankwest Qantas Platinum MasterCard ✔ ✔ ✔

20.74% 21.74% 60 - 44 2,000 - 10,000 ✔BOQ Blue Visa ✘ ✘ ✘

20.24% 21.24% 249 - 55 6,000+ ✔Commonwealth Bank Platinum Awards ✔ ✔ ✔

20.24% 21.74% 99 - 55 2,000 - 30,000 ✔CUA Platinum MasterCard ✔ ✘ ✔

18.99% 19.99% 249 - 50 6,000+ ✔G&C Mutual Bank Platinum Visa Credit Card ✔ ✘ ✔

22.99% 22.99% 99 - 55 1,000+ ✘GE Money Gem Visa ✘ ✘ ✘

23.50% 23.50% 69 - 55 500+ ✘GE Money MasterCard ✘ ✘ ✘

19.99% 21.99% 199 - 55 6,000+ ✔HSBC Platinum Qantas Credit Card ✔ ✔ ✔

20.24% 21.74% 159 - 55 6,000+ ✔IMB Platinum MasterCard ✔ ✔ ✔

19.99% 21.99% 149 - 55 6,000 - 100,000 ✔Jetstar Platinum MasterCard ✔ ✔ ✔

20.70% 21.95% 295 - 55 6,000+ ✔Macquarie Bank Hilton HHonors Platinum Card ✔ ✔ ✔

20.24% 21.74% 159 - 55 6,000+ ✔MyState Platinum MasterCard ✔ ✔ ✔

19.99% 21.74% 95 - 44 6,000+ ✔NAB flybuys Rewards Card ✔ ✔ ✔

19.99% 21.74% 95 - 44 500+ ✔NAB Velocity Rewards Card ✘ ✘ ✘

Credit Card Star Ratings 2016 - Page 8Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Rate

Concierge

Service

Extended

WarrantyTravel

Insurance

��

18.99% 18.99% 195 - 55 6,000 - 50,000 ✔Qantas Credit Union Visa Platinum Credit Card ✔ ✘ ✔

20.24% 21.74% 159 - 55 6,000+ ✔QT Mutual Bank Platinum MyCard ✔ ✔ ✔

20.24% 21.74% 159 - 55 6,000+ ✔Queenslanders CU Platinum MyCard ✔ ✔ ✔

20.49% 20.49% Nil - 55 500 - 40,000 ✘St.George Bank No Annual Fee Visa ✘ ✘ ✘

20.74% 20.99% 129 - 44 6,000 - 100,000 ✔Virgin Money Virgin Aust Velocity Flyer Card ✔ ✘ ✘

19.99% 21.99% 49 - 55 1,000+ ✔Woolworths Everyday Platinum Credit Card ✔ ✘ ✘

20.49% 21.99% 139 - 55 6,000+ ✔Woolworths Qantas Platinum Credit Card ✔ ✔ ✔

�

20.74% N/A 295 - 44 2,000 - 50,000 ✔American Express David Jones Platinum Card ✘ ✔ ✔

20.74% N/A 450 - 44 5,000 - 50,000 ✔American Express Qantas Ultimate Card ✘ ✘ ✔

20.74% N/A 349 - 44 3,000 - 50,000 ✔American Express Velocity Platinum Card ✘ ✘ ✔

19.99% 21.49% 295 - 55 6,000+ ✔ANZ Frequent Flyer Platinum ✔ ✔ ✔

20.74% 21.74% 199 - 55 6,000 - 30,000 ✔BOQ Platinum Visa ✔ ✔ ✔

20.99% 21.74% 249 - 55 6,000 - 100,000 ✔Citi Platinum ✔ ✔ ✔

19.99% 21.74% 250 - 44 6,000 - 500,000 ✔NAB Qantas Rewards Premium Card ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 9Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Fee

Concierge

Service

Extended

WarrantyTravel

Insurance

����� "Outstanding Value"

12.89% 12.89% Nil - 55 1,000+ ✘Bank Australia Visa Credit Card ✘ ✘ ✘

11.95% 11.95% Nil - 44 1,000 - 10,000 ✘BankVic Visa Silver credit card ✘ ✘ ✘

17.99% 21.99% Nil - 55 5,000+ ✘Bankwest Zero Gold MasterCard ✘ ✔ ✔

17.99% 21.99% Nil - 55 6,000+ ✘Bankwest Zero Platinum MasterCard ✔ ✔ ✔

19.99% 19.99% Nil - 62 500+ ✔Coles No Annual Fee MasterCard ✘ ✘ ✘

19.74% 21.24% 29 1000 55 500+ ✘Commonwealth Bank Low Fee MasterCard ✘ ✘ ✘

10.49% 10.49% Nil - 45 500 - 2,000 ✘First Option Credit Union Smart Start Credit Card (18-24yrs) ✘ ✘ ✘

11.80% 11.80% Nil - 0 1,000 - 75,000 ✘Heritage Bank Gold Low Rate ✘ ✘ ✘

13.15% 17.95% Nil - 55 500 - 20,000 ✘Hume Bank Value ✘ ✘ ✘

9.99% 9.99% Nil - 55 1,000 - 20,000 ✘ME Bank frank credit card ✘ ✘ ✘

13.24% 13.24% Nil - 55 1,000 - 25,000 ✘Qld Police Credit Union Bluey Card ✘ ✘ ✘

11.50% 11.50% Nil - 55 1,000 - 25,000 ✘Teachers Mutual Bank Teachers Credit Card ✘ ✘ ✘

11.50% 11.50% Nil - 55 1,000 - 25,000 ✘UniBank Visa Credit Card ✘ ✘ ✘

12.94% 12.94% Nil - 55 500+ ✘Victoria Teachers Mutual Bank Visa Classic Credit Card ✘ ✘ ✘

� "Rising Star"

14.99% N/A Nil - 55 2,000 - 25,000 ✔American Express Essential Credit Card ✘ ✔ ✘

����

20.74% N/A Nil - 44 2,000 - 25,000 ✔American Express Qantas Discovery Card ✘ ✘ ✘

Credit Card Star Ratings 2016 - Page 10Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Fee

Concierge

Service

Extended

WarrantyTravel

Insurance

����

20.74% N/A Nil - 44 3,000 - 50,000 ✔American Express Velocity Escape Card ✘ ✘ ✘

20.49% 20.49% Nil - 55 500 - 40,000 ✘Bank of Melbourne No Annual Fee Visa ✘ ✘ ✘

20.49% 20.49% Nil - 55 500 - 40,000 ✘BankSA No Annual Fee Visa ✘ ✘ ✘

17.99% 21.99% Nil - 55 1,000 - 25,000 ✘Bankwest Zero MasterCard ✘ ✘ ✘

19.64% 19.64% 24 - 55 500 - 50,000 ✔Bendigo Bank RSPCA Rescue Rewards ✘ ✘ ✘

15.49% 15.49% 24 - 44 500 - 50,000 ✘Bendigo Bank RSPCA Rescue Visa ✘ ✘ ✘

11.99% 18.99% 29 - 45 500+ ✘Big Sky Building Society Low Rate Visa Card ✘ ✘ ✘

19.99% 19.99% Nil - 55 6,000 - 100,000 ✘Citi Simplicity ✔ ✔ ✘

19.99% 19.99% Nil - 62 6,000+ ✔Coles No Annual Fee Platinum MasterCard ✔ ✘ ✘

13.49% 13.49% 18 - 45 500 - 25,000 ✘First Option Credit Union Low Rate Visa Credit Card ✘ ✘ ✘

20.99% 20.99% Nil - 55 6,000+ ✘GE Money 28 Degrees Platinum MasterCard ✔ ✘ ✘

11.99% 18.99% 25 - 55 1,000 - 30,000 ✘Holiday Coast CU Light Visa Credit Card ✘ ✘ ✘

17.99% 21.99% Nil - 55 1,000+ ✘HSBC Credit Card ✘ ✘ ✘

19.99% 21.99% 149 6000 55 6,000+ ✔HSBC Platinum Credit Card ✔ ✔ ✔

17.95% 17.95% 30 8000 55 500 - 50,000 ✔Hume Bank Clear ✘ ✘ ✘

13.54% 13.54% 15 - 55 500 - 10,000 ✘Macquarie Credit Union Visa Credit Card ✘ ✘ ✘

19.74% 21.74% 30 - 44 500+ ✘NAB Low Fee Visa Card ✘ ✘ ✘

10.49% 10.49% 30 - 55 1,000 - 30,000 ✘SCU Low Rate Visa Credit Card ✘ ✘ ✘

10.99% 10.99% 30 - 55 500 - 30,000 ✘Select Credit Union Visa Credit Card ✘ ✘ ✘

Credit Card Star Ratings 2016 - Page 11Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Fee

Concierge

Service

Extended

WarrantyTravel

Insurance

����

15.25% 15.25% Nil - 0 500 - 10,000 ✘SERVICE ONE Alliance Bank Visa ✘ ✘ ✘

20.49% 20.49% Nil - 55 500 - 40,000 ✘St.George Bank No Annual Fee Visa ✘ ✘ ✘

18.99% 20.99% Nil - 44 2,000 - 30,000 ✘Virgin Money No Annual Fee Credit Card ✘ ✘ ✘

19.84% 21.29% 30 5000 55 500+ ✘Westpac 55 Day Classic ✘ ✘ ✘

���

13.99% 21.74% 79 - 55 1,000 - 25,000 ✔ANZ Balance Visa ✘ ✘ ✘

19.74% 21.49% 30 - 44 1,000 - 25,000 ✘ANZ First ✘ ✔ ✘

13.49% 21.74% 58 - 55 1,000 - 25,000 ✘ANZ Low Rate ✘ ✘ ✘

13.49% 21.74% 99 - 55 6,000+ ✘ANZ Low Rate Platinum ✔ ✔ ✔

19.74% 21.49% 87 20000 55 6,000+ ✘ANZ Platinum ✔ ✔ ✔

18.79% 20.99% 95 - 55 6,000+ ✔ANZ Rewards Platinum ✔ ✔ ✔

10.99% 19.99% 49 - 55 1,000+ ✘Australian Military Bank Low Rate Visa Card ✘ ✘ ✘

12.99% 21.74% 49 - 55 2,000+ ✘Auswide Bank Low Rate MasterCard ✘ ✔ ✘

20.24% 21.74% 99 - 55 6,000+ ✔Auswide Bank Platinum MasterCard ✔ ✔ ✔

12.99% 17.49% 39 8000 57 500 - 30,000 ✘B&E Personal Banking Visa Credit Card ✘ ✘ ✘

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔Bank of Melbourne Amplify Platinum ✔ ✔ ✔

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘Bank of Melbourne Vertigo Platinum ✔ ✔ ✔

13.24% 21.49% 55 - 55 500 - 40,000 ✘Bank of Melbourne Vertigo Visa ✘ ✘ ✘

11.99% 19.49% 49 - 55 500 - 20,000 ✔Bank of Sydney Visa Classic ✘ ✘ ✘

Credit Card Star Ratings 2016 - Page 12Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Fee

Concierge

Service

Extended

WarrantyTravel

Insurance

���

18.49% 19.49% 129 - 55 6,000+ ✔Bank of Sydney Visa Platinum ✔ ✔ ✔

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔BankSA Amplify Platinum ✔ ✔ ✔

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘BankSA Vertigo Platinum ✔ ✔ ✔

13.24% 21.49% 55 - 55 500 - 40,000 ✘BankSA Vertigo Visa ✘ ✘ ✘

16.95% 16.95% 50 - 55 5,000 - 30,000 ✔BankVic Visa Gold credit card ✘ ✔ ✔

12.99% 21.99% 89 - 55 5,000 - 50,000 ✘Bankwest Breeze Gold MasterCard ✘ ✔ ✔

12.99% 21.99% 59 - 55 1,000 - 25,000 ✘Bankwest Breeze MasterCard ✘ ✘ ✘

12.99% 21.99% 99 - 55 6,000+ ✘Bankwest Breeze Platinum MasterCard ✔ ✔ ✔

19.99% 21.99% 120 - 55 5,000 - 50,000 ✔Bankwest More Gold MasterCard ✘ ✔ ✔

19.99% 21.99% 140 - 55 6,000 - 100,000 ✔Bankwest More Platinum MasterCard ✔ ✔ ✔

20.49% 21.99% 160 - 55 6,000+ ✔Bankwest Qantas Platinum MasterCard ✔ ✔ ✔

11.80% 11.80% 40 - 55 500 - 20,000 ✘bcu Classic Visa Card ✘ ✘ ✘

16.80% 16.80% 40 - 55 500 - 20,000 ✔bcu Rewarder Visa Card ✘ ✘ ✘

12.24% 12.24% 45 - 44 500 - 50,000 ✘Bendigo Bank Basic Black MasterCard ✘ ✘ ✘

12.24% 12.24% 45 - 44 500 - 50,000 ✘Bendigo Bank Basic Black Visa ✘ ✘ ✘

18.99% 18.99% 119 - 55 6,000 - 50,000 ✔Bendigo Bank Platinum Visa ✔ ✔ ✔

19.74% 19.74% 45 - 44 500 - 50,000 ✔Bendigo Bank Ready Red MasterCard ✘ ✘ ✘

19.74% 19.74% 45 - 44 500 - 50,000 ✔Bendigo Bank Ready Red Visa ✘ ✘ ✘

12.49% 19.99% 49 - 62 1,000 - 80,000 ✘Beyond Bank Low Rate Visa Credit Card ✘ ✘ ✘

Credit Card Star Ratings 2016 - Page 13Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Fee

Concierge

Service

Extended

WarrantyTravel

Insurance

���

16.58% 18.99% 49 - 45 500+ ✔Big Sky Building Society Cash Rewards Visa Card ✘ ✘ ✘

20.74% 21.74% 60 - 44 2,000 - 10,000 ✔BOQ Blue Visa ✘ ✘ ✘

13.49% 21.49% 55 - 55 2,000 - 20,000 ✘BOQ Low Rate Visa Card ✘ ✘ ✘

14.99% 21.74% 99 - 55 6,000 - 100,000 ✘Citi Clear Platinum Visa ✔ ✔ ✘

9.99% 19.99% 49 - 62 500+ ✔Coles Low Rate Mastercard ✘ ✘ ✘

9.99% 19.99% 49 - 62 500+ ✔Coles Low Rate Platinum MasterCard ✔ ✘ ✘

19.99% 19.99% 89 - 62 500+ ✔Coles Rewards MasterCard ✔ ✘ ✘

19.99% 19.99% 89 - 62 6,000+ ✔Coles Rewards Platinum MasterCard ✔ ✘ ✘

20.24% 21.24% 119 - 55 4,000+ ✔Commonwealth Bank Gold Awards ✘ ✔ ✔

19.74% 21.24% 89 10000 55 4,000+ ✘Commonwealth Bank Low Fee Gold MasterCard ✘ ✔ ✔

13.49% 21.24% 89 - 55 4,000+ ✘Commonwealth Bank Low Rate Gold MasterCard ✘ ✔ ✔

13.49% 21.24% 59 - 55 500+ ✘Commonwealth Bank Low Rate MasterCard ✘ ✘ ✘

20.24% 21.24% 249 - 55 6,000+ ✔Commonwealth Bank Platinum Awards ✔ ✔ ✔

20.24% 21.24% 59 - 55 500+ ✔Commonwealth Bank Standard Awards ✘ ✘ ✘

8.99% 8.99% 40 - 55 1,000 - 15,000 ✘Community First CU Low Rate Visa Cred Card ✘ ✘ ✘

8.99% 8.99% 40 - 55 1,000 - 15,000 ✘Community First CU McGrath Pink Visa Card ✘ ✘ ✘

12.99% 21.74% 49 - 55 2,000 - 15,000 ✘CUA Low Rate MasterCard ✘ ✔ ✘

20.24% 21.74% 99 - 55 2,000 - 30,000 ✔CUA Platinum MasterCard ✔ ✘ ✔

11.74% 11.74% 45 - 55 1,000 - 25,000 ✘Defence Bank True Blue Credit Card ✘ ✘ ✘

Credit Card Star Ratings 2016 - Page 14Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Fee

Concierge

Service

Extended

WarrantyTravel

Insurance

���

15.00% 21.00% 36 - 55 1,000 - 5,000 ✘Encompass Credit Union Visa Credit Card ✘ ✘ ✘

15.99% 15.99% 36 - 45 500 - 25,000 ✔First Option Credit Union Cash Rewards Visa Credit Card ✘ ✘ ✘

9.99% 15.99% 50 - 50 Up to 75,000 ✘G&C Mutual Bank Low Rate Visa Credit Card ✘ ✘ ✘

21.74% 29.49% 59.4 - 62 1,000+ ✔GE Money GO MasterCard ✘ ✘ ✘

11.99% 16.99% 59 - 55 1,000 - 30,000 ✘Hunter United Visa Credit Card ✘ ✘ ✘

12.99% 21.74% 49 - 55 2,000+ ✘IMB Low Rate MasterCard ✘ ✔ ✘

20.24% 21.74% 159 - 55 6,000+ ✔IMB Platinum MasterCard ✔ ✔ ✔

9.99% 9.99% 46 - 55 1,000 - 30,000 ✘Intech Credit Union Titanium Visa 55 ✘ ✘ ✘

14.99% 21.99% 59 - 55 2,000 - 50,000 ✔Jetstar MasterCard ✘ ✘ ✘

20.69% 20.69% 69 - 62 750+ ✔Myer Myer Visa Card ✘ ✘ ✘

12.99% 21.74% 49 - 55 2,000+ ✘MyState Low Rate MasterCard ✘ ✔ ✘

20.24% 21.74% 159 - 55 6,000+ ✔MyState Platinum MasterCard ✔ ✔ ✔

19.99% 21.74% 95 - 44 6,000+ ✔NAB flybuys Rewards Card ✔ ✔ ✔

13.99% 21.74% 59 - 55 500+ ✘NAB Low Rate Card ✘ ✘ ✘

19.74% 21.74% 90 - 44 6,000+ ✘NAB Premium Visa Card ✔ ✔ ✔

11.49% 11.49% 49 - 55 500 - 20,000 ✘Newcastle Permanent Value+ Credit Card ✘ ✘ ✘

14.00% 14.00% 40 - 55 1,000 - 25,000 ✘Northern Inland CU Visa Credit Card ✘ ✘ ✘

11.49% 19.99% 40 - 45 1,000+ ✘P&N Bank Classic Visa ✘ ✘ ✘

11.49% 19.99% 80 - 45 6,000+ ✘P&N Bank Visa Platinum ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 15Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Fee

Concierge

Service

Extended

WarrantyTravel

Insurance

���

12.95% 12.95% 59 - 62 1,000+ ✘People's Choice Credit Union Visa Credit Card ✘ ✘ ✘

10.76% 10.76% 30 - 55 1,000 - 30,000 ✘Police Bank Visa Credit Card ✘ ✘ ✘

17.24% 17.24% 48 - 55 1,000 - 25,000 ✔Qld Police Credit Union Bluey Rewarder Card ✘ ✘ ✘

12.99% 21.74% 49 - 55 2,000+ ✘QT Mutual Bank Low Rate MasterCard ✘ ✔ ✘

20.24% 21.74% 159 - 55 6,000+ ✔QT Mutual Bank Platinum MyCard ✔ ✔ ✔

7.99% 7.99% 36 - 55 2,000 - 25,000 ✘Quay Credit Union Visa Credit Card ✘ ✘ ✘

12.99% 21.74% 49 - 55 2,000+ ✘Queenslanders CU Low Rate MyCard ✘ ✔ ✘

20.24% 21.74% 159 - 55 6,000+ ✔Queenslanders CU Platinum MyCard ✔ ✔ ✔

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔St.George Bank Amplify Platinum ✔ ✔ ✔

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘St.George Bank Vertigo Platinum ✔ ✔ ✔

13.24% 21.49% 55 - 55 500 - 40,000 ✘St.George Bank Vertigo Visa ✘ ✘ ✘

20.74% 21.99% 169 - 55 6,000 - 30,000 ✔Suncorp Bank Platinum Card ✔ ✔ ✔

9.99% 19.99% 84 - 55 6,000+ ✘Victoria Teachers Mutual Bank Visa Platinum Credit Card ✔ ✘ ✔

19.84% 21.29% 90 10000 55 6,000+ ✘Westpac 55 Day Platinum ✔ ✔ ✔

20.24% 20.74% 100 - 45 500+ ✔Westpac Altitude ✘ ✘ ✘

20.24% 20.74% 150 - 45 6,000 - 30,000 ✔Westpac Altitude Platinum ✔ ✔ ✔

13.49% 21.49% 59 - 55 500+ ✘Westpac Low Rate Visa Card ✘ ✘ ✘

20.45% 20.45% 30 - 55 300 - 1,000 ✘Westpac Student Visa Card ✘ ✘ ✘

19.99% 21.99% 49 - 55 1,000+ ✔Woolworths Everyday Platinum Credit Card ✔ ✘ ✘

Credit Card Star Ratings 2016 - Page 16Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Fee

Concierge

Service

Extended

WarrantyTravel

Insurance

��

19.99% 21.49% 95 - 44 1,000+ ✔ANZ Frequent Flyer ✘ ✘ ✘

19.99% 21.49% 295 - 55 6,000+ ✔ANZ Frequent Flyer Platinum ✔ ✔ ✔

18.79% 20.99% 80 - 44 1,000 - 25,000 ✔ANZ Rewards ✘ ✘ ✘

18.74% 18.74% 189 - 55 1,000+ ✔Bank Australia Platinum Rewards Visa Credit Card ✔ ✘ ✔

19.49% 20.24% 79 - 55 1,000 - 80,000 ✔Bank of Melbourne Amplify Classic ✘ ✘ ✘

19.49% 20.24% 79 - 55 1,000 - 80,000 ✔BankSA Amplify Classic ✘ ✘ ✘

19.99% 21.99% 70 - 55 1,000 - 25,000 ✔Bankwest More MasterCard ✘ ✘ ✘

20.49% 21.99% 100 - 55 1,000+ ✔Bankwest Qantas Classic MasterCard ✘ ✘ ✘

20.49% 21.99% 150 - 55 5,000+ ✔Bankwest Qantas Gold MasterCard ✘ ✔ ✔

20.74% 21.74% 199 - 55 6,000 - 30,000 ✔BOQ Platinum Visa ✔ ✔ ✔

20.99% 21.74% 249 - 55 6,000 - 100,000 ✔Citi Platinum ✔ ✔ ✔

17.00% 17.00% 75 12000 55 500 - 25,000 ✔Coastline Credit Union Visa Rewarder ✘ ✘ ✘

10.95% 10.95% 48 - 55 1,000 - 50,000 ✘ECU Australia Low Rate Visa Credit Card ✘ ✘ ✘

18.99% 19.99% 249 - 50 6,000+ ✔G&C Mutual Bank Platinum Visa Credit Card ✔ ✘ ✔

22.99% 22.99% 99 - 55 1,000+ ✘GE Money Gem Visa ✘ ✘ ✘

23.50% 23.50% 69 - 55 500+ ✘GE Money MasterCard ✘ ✘ ✘

16.75% 16.75% 55 25000 55 1,000 - 50,000 ✘Heritage Bank Classic ✘ ✘ ✘

16.75% 16.75% 125 35000 55 6,000 - 500,000 ✘Heritage Bank Platinum ✔ ✔ ✔

19.99% 21.99% 199 - 55 6,000+ ✔HSBC Platinum Qantas Credit Card ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 17Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Fee

Concierge

Service

Extended

WarrantyTravel

Insurance

��

11.49% 16.49% 59 - 55 1,000 - 30,000 ✘Hunter United Visa Credit Card - Home Loan Bwrs ✘ ✘ ✘

19.99% 21.99% 149 - 55 6,000 - 100,000 ✔Jetstar Platinum MasterCard ✔ ✔ ✔

20.70% 21.95% 295 - 55 6,000+ ✔Macquarie Bank Hilton HHonors Platinum Card ✔ ✔ ✔

19.99% 21.74% 95 - 44 500 - 500,000 ✔NAB Qantas Rewards Card ✘ ✘ ✘

19.99% 21.74% 250 - 44 6,000 - 500,000 ✔NAB Qantas Rewards Premium Card ✔ ✔ ✔

19.99% 21.74% 95 - 44 500+ ✔NAB Velocity Rewards Card ✘ ✘ ✘

19.99% 21.74% 150 - 44 6,000 - 50,000 ✔NAB Velocity Rewards Premium Card ✔ ✔ ✔

18.99% 18.99% 195 - 55 6,000 - 50,000 ✔Qantas Credit Union Visa Platinum Credit Card ✔ ✘ ✔

19.49% 20.24% 79 - 55 1,000 - 80,000 ✔St.George Bank Amplify Classic ✘ ✘ ✘

20.50% 21.99% 120 - 55 5,000 - 25,000 ✔Suncorp Bank Gold Card ✘ ✘ ✘

12.74% 21.99% 55 - 0 2,000 - 20,000 ✘Suncorp Bank Standard Card ✘ ✘ ✘

20.74% 20.99% 129 - 44 6,000 - 100,000 ✔Virgin Money Virgin Aust Velocity Flyer Card ✔ ✘ ✘

20.49% 21.99% 139 - 55 6,000+ ✔Woolworths Qantas Platinum Credit Card ✔ ✔ ✔

�

20.74% N/A 99 - 44 2,000 - 30,000 ✔American Express David Jones Card ✘ ✘ ✘

20.74% N/A 295 - 44 2,000 - 50,000 ✔American Express David Jones Platinum Card ✘ ✔ ✔

20.74% N/A 195 - 55 3,000 - 50,000 ✔American Express Platinum Edge Credit Card ✘ ✔ ✔

20.74% N/A 450 - 44 5,000 - 50,000 ✔American Express Qantas Ultimate Card ✘ ✘ ✔

20.74% N/A 349 - 44 3,000 - 50,000 ✔American Express Velocity Platinum Card ✘ ✘ ✔

Credit Card Star Ratings 2016 - Page 18Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Low Fee

Concierge

Service

Extended

WarrantyTravel

Insurance

�

9.89% 9.89% 59 - 0 1,000+ ✘Bank Australia Low Rate Visa CreditCard ✘ ✘ ✘

Credit Card Star Ratings 2016 - Page 19Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $24,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

����� "Outstanding Value"

18.79% 20.99% 95 - 55 6,000+ ✔ANZ Rewards Platinum ✔ ✔ ✔

19.99% 21.99% 140 - 55 6,000 - 100,000 ✔Bankwest More Platinum MasterCard ✔ ✔ ✔

20.24% 21.24% 119 - 55 4,000+ ✔Commonwealth Bank Gold Awards ✘ ✔ ✔

20.24% 21.24% 249 - 55 6,000+ ✔Commonwealth Bank Platinum Awards ✔ ✔ ✔

19.99% 21.74% 95 - 44 6,000+ ✔NAB flybuys Rewards Card ✔ ✔ ✔

20.24% 20.74% 150 - 45 6,000 - 30,000 ✔Westpac Altitude Platinum ✔ ✔ ✔

����

18.79% 20.99% 375 - 55 15,000+ ✔ANZ Rewards Black ✔ ✔ ✔

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔Bank of Melbourne Amplify Platinum ✔ ✔ ✔

18.49% 19.49% 129 - 55 6,000+ ✔Bank of Sydney Visa Platinum ✔ ✔ ✔

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔BankSA Amplify Platinum ✔ ✔ ✔

19.99% 21.99% 120 - 55 5,000 - 50,000 ✔Bankwest More Gold MasterCard ✘ ✔ ✔

18.99% 18.99% 119 - 55 6,000 - 50,000 ✔Bendigo Bank Platinum Visa ✔ ✔ ✔

19.99% 19.99% 89 - 62 6,000+ ✔Coles Rewards Platinum MasterCard ✔ ✘ ✘

20.24% 21.24% 349 - 55 15,000+ ✔Commonwealth Bank Diamond Awards ✔ ✔ ✔

19.99% 21.99% 149 - 55 6,000 - 100,000 ✔Jetstar Platinum MasterCard ✔ ✔ ✔

20.70% 21.95% 249 - 55 15,000+ ✔Macquarie Bank Black Card ✔ ✔ ✔

19.99% 21.74% 150 - 44 6,000 - 50,000 ✔NAB Velocity Rewards Premium Card ✔ ✔ ✔

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔St.George Bank Amplify Platinum ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 20Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $24,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

����

20.49% 21.99% 139 - 55 6,000+ ✔Woolworths Qantas Platinum Credit Card ✔ ✔ ✔

���

20.74% N/A 295 - 44 2,000 - 50,000 ✔American Express David Jones Platinum Card ✘ ✔ ✔

20.74% N/A 195 - 55 3,000 - 50,000 ✔American Express Platinum Edge Credit Card ✘ ✔ ✔

19.99% 21.49% 425 - 55 15,000+ ✔ANZ Frequent Flyer Black ✔ ✔ ✔

19.99% 21.49% 295 - 55 6,000+ ✔ANZ Frequent Flyer Platinum ✔ ✔ ✔

13.49% 21.74% 99 - 55 6,000+ ✘ANZ Low Rate Platinum ✔ ✔ ✔

19.74% 21.49% 87 20000 55 6,000+ ✘ANZ Platinum ✔ ✔ ✔

20.24% 21.74% 99 - 55 6,000+ ✔Auswide Bank Platinum MasterCard ✔ ✔ ✔

19.49% 20.24% 279 - 55 15,000 - 80,000 ✔Bank of Melbourne Amplify Signature ✔ ✔ ✔

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘Bank of Melbourne Vertigo Platinum ✔ ✔ ✔

19.49% 20.24% 279 - 55 15,000 - 80,000 ✔BankSA Amplify Signature ✔ ✔ ✔

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘BankSA Vertigo Platinum ✔ ✔ ✔

12.99% 21.99% 99 - 55 6,000+ ✘Bankwest Breeze Platinum MasterCard ✔ ✔ ✔

20.49% 21.99% 160 - 55 6,000+ ✔Bankwest Qantas Platinum MasterCard ✔ ✔ ✔

17.99% 21.99% Nil - 55 5,000+ ✘Bankwest Zero Gold MasterCard ✘ ✔ ✔

17.99% 21.99% Nil - 55 6,000+ ✘Bankwest Zero Platinum MasterCard ✔ ✔ ✔

20.74% 21.74% 199 - 55 6,000 - 30,000 ✔BOQ Platinum Visa ✔ ✔ ✔

20.99% 21.74% 249 - 55 6,000 - 100,000 ✔Citi Platinum ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 21Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $24,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

���

20.74% 21.24% 700 - 55 30,000 - 100,000 ✔Citi Prestige ✔ ✔ ✔

20.99% 21.74% 395 - 55 15,000 - 100,000 ✔Citi Signature Rewards ✔ ✔ ✔

19.99% 19.99% Nil - 55 6,000 - 100,000 ✘Citi Simplicity ✔ ✔ ✘

9.99% 19.99% 49 - 62 500+ ✔Coles Low Rate Platinum MasterCard ✔ ✘ ✘

19.99% 19.99% Nil - 62 6,000+ ✔Coles No Annual Fee Platinum MasterCard ✔ ✘ ✘

19.74% 21.24% 89 10000 55 4,000+ ✘Commonwealth Bank Low Fee Gold MasterCard ✘ ✔ ✔

20.24% 21.74% 99 - 55 2,000 - 30,000 ✔CUA Platinum MasterCard ✔ ✘ ✔

Charge Card 4.00% 389 - 44 Any ✔Diners Club Australia Personal Dual Card ✘ ✔ ✔

19.99% 21.99% 149 6000 55 6,000+ ✔HSBC Platinum Credit Card ✔ ✔ ✔

19.99% 21.99% 199 - 55 6,000+ ✔HSBC Platinum Qantas Credit Card ✔ ✔ ✔

20.24% 21.74% 159 - 55 6,000+ ✔IMB Platinum MasterCard ✔ ✔ ✔

20.70% 21.95% 199 - 55 6,000+ ✔Macquarie Bank Platinum Card ✔ ✔ ✔

20.24% 21.74% 159 - 55 6,000+ ✔MyState Platinum MasterCard ✔ ✔ ✔

19.74% 21.74% 90 - 44 6,000+ ✘NAB Premium Visa Card ✔ ✔ ✔

19.99% 21.74% 250 - 44 6,000 - 500,000 ✔NAB Qantas Rewards Premium Card ✔ ✔ ✔

11.49% 19.99% 80 - 45 6,000+ ✘P&N Bank Visa Platinum ✔ ✔ ✔

20.24% 21.74% 159 - 55 6,000+ ✔QT Mutual Bank Platinum MyCard ✔ ✔ ✔

20.24% 21.74% 159 - 55 6,000+ ✔Queenslanders CU Platinum MyCard ✔ ✔ ✔

19.49% 20.24% 279 - 55 15,000 - 80,000 ✔St.George Bank Amplify Signature ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 22Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $24,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

���

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘St.George Bank Vertigo Platinum ✔ ✔ ✔

20.74% 21.99% 169 - 55 6,000 - 30,000 ✔Suncorp Bank Platinum Card ✔ ✔ ✔

9.99% 19.99% 84 - 55 6,000+ ✘Victoria Teachers Mutual Bank Visa Platinum Credit Card ✔ ✘ ✔

20.74% 20.99% 129 - 44 6,000 - 100,000 ✔Virgin Money Virgin Aust Velocity Flyer Card ✔ ✘ ✘

20.74% 20.99% 289 - 44 15,000 - 100,000 ✔Virgin Money VirginAust Velocity High Flyer Card ✔ ✔ ✔

19.84% 21.29% 90 10000 55 6,000+ ✘Westpac 55 Day Platinum ✔ ✔ ✔

20.24% 20.74% 395 - 45 15,000+ ✔Westpac Altitude Black ✔ ✔ ✔

��

20.74% N/A 249 - 44 2,000 - 25,000 ✔American Express Qantas Premium Card ✘ ✘ ✔

18.74% 18.74% 189 - 55 1,000+ ✔Bank Australia Platinum Rewards Visa Credit Card ✔ ✘ ✔

16.95% 16.95% 50 - 55 5,000 - 30,000 ✔BankVic Visa Gold credit card ✘ ✔ ✔

12.99% 21.99% 89 - 55 5,000 - 50,000 ✘Bankwest Breeze Gold MasterCard ✘ ✔ ✔

20.49% 21.99% 150 - 55 5,000+ ✔Bankwest Qantas Gold MasterCard ✘ ✔ ✔

14.99% 21.74% 99 - 55 6,000 - 100,000 ✘Citi Clear Platinum Visa ✔ ✔ ✘

20.99% 21.24% 299 - 55 15,000 - 100,000 ✔Citi Emirates World MasterCard ✔ ✔ ✔

20.99% 21.74% 299 - 55 15,000 - 100,000 ✔Citi Qantas Signature ✔ ✔ ✔

13.49% 21.24% 89 - 55 4,000+ ✘Commonwealth Bank Low Rate Gold MasterCard ✘ ✔ ✔

Charge Card 4.00% 260 - 37 Any ✔Diners Club Australia Frequent Flyer Dual Card ✘ ✔ ✔

Charge Card 4.00% 135 - 44 Any ✔Diners Club Australia Personal Card ✘ ✔ ✔

Credit Card Star Ratings 2016 - Page 23Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $24,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

��

18.99% 19.99% 249 - 50 6,000+ ✔G&C Mutual Bank Platinum Visa Credit Card ✔ ✘ ✔

16.75% 16.75% 125 35000 55 6,000 - 500,000 ✘Heritage Bank Platinum ✔ ✔ ✔

20.70% 21.95% 295 - 55 6,000+ ✔Macquarie Bank Hilton HHonors Platinum Card ✔ ✔ ✔

�

20.74% N/A 450 - 44 5,000 - 50,000 ✔American Express Qantas Ultimate Card ✘ ✘ ✔

20.74% N/A 349 - 44 3,000 - 50,000 ✔American Express Velocity Platinum Card ✘ ✘ ✔

Charge Card 4.00% 95 - 44 Any ✔Diners Club Australia Frequent Flyers Club Card ✘ ✔ ✔

18.99% 18.99% 195 - 55 6,000 - 50,000 ✔Qantas Credit Union Visa Platinum Credit Card ✔ ✘ ✔

Credit Card Star Ratings 2016 - Page 24Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $60,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

����� "Outstanding Value"

18.79% 20.99% 95 - 55 6,000+ ✔ANZ Rewards Platinum ✔ ✔ ✔

19.99% 21.99% 140 - 55 6,000 - 100,000 ✔Bankwest More Platinum MasterCard ✔ ✔ ✔

20.24% 21.24% 249 - 55 6,000+ ✔Commonwealth Bank Platinum Awards ✔ ✔ ✔

19.99% 21.99% 149 - 55 6,000 - 100,000 ✔Jetstar Platinum MasterCard ✔ ✔ ✔

19.99% 21.74% 95 - 44 6,000+ ✔NAB flybuys Rewards Card ✔ ✔ ✔

20.24% 20.74% 150 - 45 6,000 - 30,000 ✔Westpac Altitude Platinum ✔ ✔ ✔

����

18.79% 20.99% 375 - 55 15,000+ ✔ANZ Rewards Black ✔ ✔ ✔

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔Bank of Melbourne Amplify Platinum ✔ ✔ ✔

18.49% 19.49% 129 - 55 6,000+ ✔Bank of Sydney Visa Platinum ✔ ✔ ✔

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔BankSA Amplify Platinum ✔ ✔ ✔

19.99% 21.99% 120 - 55 5,000 - 50,000 ✔Bankwest More Gold MasterCard ✘ ✔ ✔

18.99% 18.99% 119 - 55 6,000 - 50,000 ✔Bendigo Bank Platinum Visa ✔ ✔ ✔

19.99% 19.99% 89 - 62 6,000+ ✔Coles Rewards Platinum MasterCard ✔ ✘ ✘

20.24% 21.24% 349 - 55 15,000+ ✔Commonwealth Bank Diamond Awards ✔ ✔ ✔

20.24% 21.24% 119 - 55 4,000+ ✔Commonwealth Bank Gold Awards ✘ ✔ ✔

20.70% 21.95% 249 - 55 15,000+ ✔Macquarie Bank Black Card ✔ ✔ ✔

19.99% 21.74% 150 - 44 6,000 - 50,000 ✔NAB Velocity Rewards Premium Card ✔ ✔ ✔

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔St.George Bank Amplify Platinum ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 25Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $60,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

����

20.74% 21.99% 169 - 55 6,000 - 30,000 ✔Suncorp Bank Platinum Card ✔ ✔ ✔

���

20.74% N/A 295 - 44 2,000 - 50,000 ✔American Express David Jones Platinum Card ✘ ✔ ✔

20.74% N/A 195 - 55 3,000 - 50,000 ✔American Express Platinum Edge Credit Card ✘ ✔ ✔

19.99% 21.49% 425 - 55 15,000+ ✔ANZ Frequent Flyer Black ✔ ✔ ✔

19.99% 21.49% 295 - 55 6,000+ ✔ANZ Frequent Flyer Platinum ✔ ✔ ✔

13.49% 21.74% 99 - 55 6,000+ ✘ANZ Low Rate Platinum ✔ ✔ ✔

19.74% 21.49% 87 20000 55 6,000+ ✘ANZ Platinum ✔ ✔ ✔

20.24% 21.74% 99 - 55 6,000+ ✔Auswide Bank Platinum MasterCard ✔ ✔ ✔

18.74% 18.74% 189 - 55 1,000+ ✔Bank Australia Platinum Rewards Visa Credit Card ✔ ✘ ✔

19.49% 20.24% 279 - 55 15,000 - 80,000 ✔Bank of Melbourne Amplify Signature ✔ ✔ ✔

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘Bank of Melbourne Vertigo Platinum ✔ ✔ ✔

19.49% 20.24% 279 - 55 15,000 - 80,000 ✔BankSA Amplify Signature ✔ ✔ ✔

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘BankSA Vertigo Platinum ✔ ✔ ✔

12.99% 21.99% 99 - 55 6,000+ ✘Bankwest Breeze Platinum MasterCard ✔ ✔ ✔

20.49% 21.99% 160 - 55 6,000+ ✔Bankwest Qantas Platinum MasterCard ✔ ✔ ✔

17.99% 21.99% Nil - 55 5,000+ ✘Bankwest Zero Gold MasterCard ✘ ✔ ✔

17.99% 21.99% Nil - 55 6,000+ ✘Bankwest Zero Platinum MasterCard ✔ ✔ ✔

20.74% 21.74% 199 - 55 6,000 - 30,000 ✔BOQ Platinum Visa ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 26Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $60,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

���

20.99% 21.74% 249 - 55 6,000 - 100,000 ✔Citi Platinum ✔ ✔ ✔

20.74% 21.24% 700 - 55 30,000 - 100,000 ✔Citi Prestige ✔ ✔ ✔

20.99% 21.74% 395 - 55 15,000 - 100,000 ✔Citi Signature Rewards ✔ ✔ ✔

19.99% 19.99% Nil - 55 6,000 - 100,000 ✘Citi Simplicity ✔ ✔ ✘

9.99% 19.99% 49 - 62 500+ ✔Coles Low Rate Platinum MasterCard ✔ ✘ ✘

19.99% 19.99% Nil - 62 6,000+ ✔Coles No Annual Fee Platinum MasterCard ✔ ✘ ✘

19.74% 21.24% 89 10000 55 4,000+ ✘Commonwealth Bank Low Fee Gold MasterCard ✘ ✔ ✔

13.49% 21.24% 89 - 55 4,000+ ✘Commonwealth Bank Low Rate Gold MasterCard ✘ ✔ ✔

20.24% 21.74% 99 - 55 2,000 - 30,000 ✔CUA Platinum MasterCard ✔ ✘ ✔

Charge Card 4.00% 389 - 44 Any ✔Diners Club Australia Personal Dual Card ✘ ✔ ✔

18.99% 19.99% 249 - 50 6,000+ ✔G&C Mutual Bank Platinum Visa Credit Card ✔ ✘ ✔

16.75% 16.75% 125 35000 55 6,000 - 500,000 ✘Heritage Bank Platinum ✔ ✔ ✔

19.99% 21.99% 149 6000 55 6,000+ ✔HSBC Platinum Credit Card ✔ ✔ ✔

20.24% 21.74% 159 - 55 6,000+ ✔IMB Platinum MasterCard ✔ ✔ ✔

20.70% 21.95% 199 - 55 6,000+ ✔Macquarie Bank Platinum Card ✔ ✔ ✔

20.24% 21.74% 159 - 55 6,000+ ✔MyState Platinum MasterCard ✔ ✔ ✔

19.99% 21.74% 250 - 44 6,000 - 500,000 ✔NAB Qantas Rewards Premium Card ✔ ✔ ✔

11.49% 19.99% 80 - 45 6,000+ ✘P&N Bank Visa Platinum ✔ ✔ ✔

20.24% 21.74% 159 - 55 6,000+ ✔QT Mutual Bank Platinum MyCard ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 27Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $60,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

���

20.24% 21.74% 159 - 55 6,000+ ✔Queenslanders CU Platinum MyCard ✔ ✔ ✔

19.49% 20.24% 279 - 55 15,000 - 80,000 ✔St.George Bank Amplify Signature ✔ ✔ ✔

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘St.George Bank Vertigo Platinum ✔ ✔ ✔

9.99% 19.99% 84 - 55 6,000+ ✘Victoria Teachers Mutual Bank Visa Platinum Credit Card ✔ ✘ ✔

19.84% 21.29% 90 10000 55 6,000+ ✘Westpac 55 Day Platinum ✔ ✔ ✔

20.24% 20.74% 395 - 45 15,000+ ✔Westpac Altitude Black ✔ ✔ ✔

20.49% 21.99% 139 - 55 6,000+ ✔Woolworths Qantas Platinum Credit Card ✔ ✔ ✔

��

20.74% N/A 249 - 44 2,000 - 25,000 ✔American Express Qantas Premium Card ✘ ✘ ✔

16.95% 16.95% 50 - 55 5,000 - 30,000 ✔BankVic Visa Gold credit card ✘ ✔ ✔

12.99% 21.99% 89 - 55 5,000 - 50,000 ✘Bankwest Breeze Gold MasterCard ✘ ✔ ✔

20.49% 21.99% 150 - 55 5,000+ ✔Bankwest Qantas Gold MasterCard ✘ ✔ ✔

14.99% 21.74% 99 - 55 6,000 - 100,000 ✘Citi Clear Platinum Visa ✔ ✔ ✘

20.99% 21.24% 299 - 55 15,000 - 100,000 ✔Citi Emirates World MasterCard ✔ ✔ ✔

20.99% 21.74% 299 - 55 15,000 - 100,000 ✔Citi Qantas Signature ✔ ✔ ✔

Charge Card 4.00% 260 - 37 Any ✔Diners Club Australia Frequent Flyer Dual Card ✘ ✔ ✔

Charge Card 4.00% 135 - 44 Any ✔Diners Club Australia Personal Card ✘ ✔ ✔

19.99% 21.99% 199 - 55 6,000+ ✔HSBC Platinum Qantas Credit Card ✔ ✔ ✔

20.70% 21.95% 295 - 55 6,000+ ✔Macquarie Bank Hilton HHonors Platinum Card ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 28Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $60,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

��

19.74% 21.74% 90 - 44 6,000+ ✘NAB Premium Visa Card ✔ ✔ ✔

20.74% 20.99% 129 - 44 6,000 - 100,000 ✔Virgin Money Virgin Aust Velocity Flyer Card ✔ ✘ ✘

20.74% 20.99% 289 - 44 15,000 - 100,000 ✔Virgin Money VirginAust Velocity High Flyer Card ✔ ✔ ✔

�

20.74% N/A 450 - 44 5,000 - 50,000 ✔American Express Qantas Ultimate Card ✘ ✘ ✔

20.74% N/A 349 - 44 3,000 - 50,000 ✔American Express Velocity Platinum Card ✘ ✘ ✔

Charge Card 4.00% 95 - 44 Any ✔Diners Club Australia Frequent Flyers Club Card ✘ ✔ ✔

18.99% 18.99% 195 - 55 6,000 - 50,000 ✔Qantas Credit Union Visa Platinum Credit Card ✔ ✘ ✔

Credit Card Star Ratings 2016 - Page 29Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $120,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

����� "Outstanding Value"

18.79% 20.99% 375 - 55 15,000+ ✔ANZ Rewards Black ✔ ✔ ✔

18.79% 20.99% 95 - 55 6,000+ ✔ANZ Rewards Platinum ✔ ✔ ✔

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔Bank of Melbourne Amplify Platinum ✔ ✔ ✔

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔BankSA Amplify Platinum ✔ ✔ ✔

19.99% 21.99% 120 - 55 5,000 - 50,000 ✔Bankwest More Gold MasterCard ✘ ✔ ✔

19.99% 21.99% 140 - 55 6,000 - 100,000 ✔Bankwest More Platinum MasterCard ✔ ✔ ✔

20.24% 21.24% 349 - 55 15,000+ ✔Commonwealth Bank Diamond Awards ✔ ✔ ✔

19.99% 21.74% 95 - 44 6,000+ ✔NAB flybuys Rewards Card ✔ ✔ ✔

19.49% 20.24% 99 - 55 6,000 - 80,000 ✔St.George Bank Amplify Platinum ✔ ✔ ✔

����

19.49% 20.24% 279 - 55 15,000 - 80,000 ✔Bank of Melbourne Amplify Signature ✔ ✔ ✔

18.49% 19.49% 129 - 55 6,000+ ✔Bank of Sydney Visa Platinum ✔ ✔ ✔

19.49% 20.24% 279 - 55 15,000 - 80,000 ✔BankSA Amplify Signature ✔ ✔ ✔

18.99% 18.99% 119 - 55 6,000 - 50,000 ✔Bendigo Bank Platinum Visa ✔ ✔ ✔

19.99% 19.99% 89 - 62 6,000+ ✔Coles Rewards Platinum MasterCard ✔ ✘ ✘

20.24% 21.24% 249 - 55 6,000+ ✔Commonwealth Bank Platinum Awards ✔ ✔ ✔

19.99% 21.99% 149 6000 55 6,000+ ✔HSBC Platinum Credit Card ✔ ✔ ✔

19.99% 21.99% 149 - 55 6,000 - 100,000 ✔Jetstar Platinum MasterCard ✔ ✔ ✔

20.70% 21.95% 249 - 55 15,000+ ✔Macquarie Bank Black Card ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 30Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $120,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

����

19.99% 21.74% 150 - 44 6,000 - 50,000 ✔NAB Velocity Rewards Premium Card ✔ ✔ ✔

19.49% 20.24% 279 - 55 15,000 - 80,000 ✔St.George Bank Amplify Signature ✔ ✔ ✔

20.24% 20.74% 395 - 45 15,000+ ✔Westpac Altitude Black ✔ ✔ ✔

���

20.74% N/A 295 - 44 2,000 - 50,000 ✔American Express David Jones Platinum Card ✘ ✔ ✔

20.74% N/A 195 - 55 3,000 - 50,000 ✔American Express Platinum Edge Credit Card ✘ ✔ ✔

19.99% 21.49% 425 - 55 15,000+ ✔ANZ Frequent Flyer Black ✔ ✔ ✔

19.99% 21.49% 295 - 55 6,000+ ✔ANZ Frequent Flyer Platinum ✔ ✔ ✔

13.49% 21.74% 99 - 55 6,000+ ✘ANZ Low Rate Platinum ✔ ✔ ✔

19.74% 21.49% 87 20000 55 6,000+ ✘ANZ Platinum ✔ ✔ ✔

20.24% 21.74% 99 - 55 6,000+ ✔Auswide Bank Platinum MasterCard ✔ ✔ ✔

18.74% 18.74% 189 - 55 1,000+ ✔Bank Australia Platinum Rewards Visa Credit Card ✔ ✘ ✔

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘Bank of Melbourne Vertigo Platinum ✔ ✔ ✔

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘BankSA Vertigo Platinum ✔ ✔ ✔

12.99% 21.99% 89 - 55 5,000 - 50,000 ✘Bankwest Breeze Gold MasterCard ✘ ✔ ✔

12.99% 21.99% 99 - 55 6,000+ ✘Bankwest Breeze Platinum MasterCard ✔ ✔ ✔

20.49% 21.99% 160 - 55 6,000+ ✔Bankwest Qantas Platinum MasterCard ✔ ✔ ✔

17.99% 21.99% Nil - 55 5,000+ ✘Bankwest Zero Gold MasterCard ✘ ✔ ✔

17.99% 21.99% Nil - 55 6,000+ ✘Bankwest Zero Platinum MasterCard ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 31Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $120,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

���

20.74% 21.74% 199 - 55 6,000 - 30,000 ✔BOQ Platinum Visa ✔ ✔ ✔

20.99% 21.74% 249 - 55 6,000 - 100,000 ✔Citi Platinum ✔ ✔ ✔

20.74% 21.24% 700 - 55 30,000 - 100,000 ✔Citi Prestige ✔ ✔ ✔

20.99% 21.74% 395 - 55 15,000 - 100,000 ✔Citi Signature Rewards ✔ ✔ ✔

19.99% 19.99% Nil - 55 6,000 - 100,000 ✘Citi Simplicity ✔ ✔ ✘

9.99% 19.99% 49 - 62 500+ ✔Coles Low Rate Platinum MasterCard ✔ ✘ ✘

19.99% 19.99% Nil - 62 6,000+ ✔Coles No Annual Fee Platinum MasterCard ✔ ✘ ✘

20.24% 21.24% 119 - 55 4,000+ ✔Commonwealth Bank Gold Awards ✘ ✔ ✔

19.74% 21.24% 89 10000 55 4,000+ ✘Commonwealth Bank Low Fee Gold MasterCard ✘ ✔ ✔

13.49% 21.24% 89 - 55 4,000+ ✘Commonwealth Bank Low Rate Gold MasterCard ✘ ✔ ✔

20.24% 21.74% 99 - 55 2,000 - 30,000 ✔CUA Platinum MasterCard ✔ ✘ ✔

Charge Card 4.00% 389 - 44 Any ✔Diners Club Australia Personal Dual Card ✘ ✔ ✔

18.99% 19.99% 249 - 50 6,000+ ✔G&C Mutual Bank Platinum Visa Credit Card ✔ ✘ ✔

16.75% 16.75% 125 35000 55 6,000 - 500,000 ✘Heritage Bank Platinum ✔ ✔ ✔

20.24% 21.74% 159 - 55 6,000+ ✔IMB Platinum MasterCard ✔ ✔ ✔

20.70% 21.95% 199 - 55 6,000+ ✔Macquarie Bank Platinum Card ✔ ✔ ✔

20.24% 21.74% 159 - 55 6,000+ ✔MyState Platinum MasterCard ✔ ✔ ✔

19.99% 21.74% 250 - 44 6,000 - 500,000 ✔NAB Qantas Rewards Premium Card ✔ ✔ ✔

11.49% 19.99% 80 - 45 6,000+ ✘P&N Bank Visa Platinum ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 32Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $120,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

���

20.24% 21.74% 159 - 55 6,000+ ✔QT Mutual Bank Platinum MyCard ✔ ✔ ✔

20.24% 21.74% 159 - 55 6,000+ ✔Queenslanders CU Platinum MyCard ✔ ✔ ✔

12.74% 21.49% 99 - 55 6,000 - 80,000 ✘St.George Bank Vertigo Platinum ✔ ✔ ✔

20.74% 21.99% 169 - 55 6,000 - 30,000 ✔Suncorp Bank Platinum Card ✔ ✔ ✔

9.99% 19.99% 84 - 55 6,000+ ✘Victoria Teachers Mutual Bank Visa Platinum Credit Card ✔ ✘ ✔

19.84% 21.29% 90 10000 55 6,000+ ✘Westpac 55 Day Platinum ✔ ✔ ✔

20.24% 20.74% 150 - 45 6,000 - 30,000 ✔Westpac Altitude Platinum ✔ ✔ ✔

20.49% 21.99% 139 - 55 6,000+ ✔Woolworths Qantas Platinum Credit Card ✔ ✔ ✔

��

20.74% N/A 249 - 44 2,000 - 25,000 ✔American Express Qantas Premium Card ✘ ✘ ✔

16.95% 16.95% 50 - 55 5,000 - 30,000 ✔BankVic Visa Gold credit card ✘ ✔ ✔

20.49% 21.99% 150 - 55 5,000+ ✔Bankwest Qantas Gold MasterCard ✘ ✔ ✔

14.99% 21.74% 99 - 55 6,000 - 100,000 ✘Citi Clear Platinum Visa ✔ ✔ ✘

20.99% 21.74% 299 - 55 15,000 - 100,000 ✔Citi Qantas Signature ✔ ✔ ✔

Charge Card 4.00% 260 - 37 Any ✔Diners Club Australia Frequent Flyer Dual Card ✘ ✔ ✔

Charge Card 4.00% 135 - 44 Any ✔Diners Club Australia Personal Card ✘ ✔ ✔

19.99% 21.99% 199 - 55 6,000+ ✔HSBC Platinum Qantas Credit Card ✔ ✔ ✔

20.70% 21.95% 295 - 55 6,000+ ✔Macquarie Bank Hilton HHonors Platinum Card ✔ ✔ ✔

19.74% 21.74% 90 - 44 6,000+ ✘NAB Premium Visa Card ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 33Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Cash

Advance

Rate p.a*

Spend To

Waive Fee

($)

Credit Limit Available

($)

Interest Free

Days

Rewards

Available

Premium Cards $120,000 Annual Spend

Concierge

Service

Extended

WarrantyTravel

Insurance

��

18.99% 18.99% 195 - 55 6,000 - 50,000 ✔Qantas Credit Union Visa Platinum Credit Card ✔ ✘ ✔

20.74% 20.99% 129 - 44 6,000 - 100,000 ✔Virgin Money Virgin Aust Velocity Flyer Card ✔ ✘ ✘

20.74% 20.99% 289 - 44 15,000 - 100,000 ✔Virgin Money VirginAust Velocity High Flyer Card ✔ ✔ ✔

�

20.74% N/A 450 - 44 5,000 - 50,000 ✔American Express Qantas Ultimate Card ✘ ✘ ✔

20.74% N/A 349 - 44 3,000 - 50,000 ✔American Express Velocity Platinum Card ✘ ✘ ✔

20.99% 21.24% 299 - 55 15,000 - 100,000 ✔Citi Emirates World MasterCard ✔ ✔ ✔

Charge Card 4.00% 95 - 44 Any ✔Diners Club Australia Frequent Flyers Club Card ✘ ✔ ✔

Credit Card Star Ratings 2016 - Page 34Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $12,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

�����

--1Amex4420.74% -99David Jones CardAmerican Express ✔ ✔ ✔ ✔ ✔

--1Amex5514.99% -NilEssential Credit CardAmerican Express ✘ ✔ ✔ ✔ ✔

--0.0067Visa5517.00% 12,00075Visa RewarderCoastline Credit Union ✘ ✘ ✘ ✔ ✔

--2MC6219.99% -89Rewards MasterCardColes ✔ ✔ ✔ ✘ ✔

100,00002MC5519.99% -149Platinum MasterCardJetstar ✘ ✔ ✘ ✘ ✘

24,00001Visa6220.69% -69Myer Visa CardMyer ✘ ✘ ✔ ✘ ✘

����

60,00001Visa5516.80% -40Rewarder Visa Cardbcu ✘ ✘ ✘ ✔ ✘

--0.5MC6219.99% -NilNo Annual Fee Platinum MasterCardColes ✔ ✔ ✔ ✘ ✔

--1Visa5519.99% 6,000149Platinum Credit CardHSBC ✔ ✔ ✔ ✔ ✔

50,00001MC5514.99% -59MasterCardJetstar ✘ ✔ ✘ ✘ ✘

100,00001Visa5518.99% -79Rewards CardSummerland CU ✘ ✘ ✘ ✔ ✘

--1Visa5519.99% -49Everyday Platinum Credit CardWoolworths ✔ ✘ ✔ ✘ ✔

���

50,00001MC5520.24% -59Standard AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

33,33301.5Amex ✘

Credit Card Star Ratings 2016 - Page 1Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $12,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

���

180,00001Visa4515.99% -36Cash Rewards Visa Credit CardFirst Option Credit Union ✘ ✘ ✘ ✔ ✘

100,00001MC6221.74% -59.40GO MasterCardGE Money ✔ ✔ ✔ ✘ ✘

--1Visa5517.95% 8,00030ClearHume Bank ✘ ✘ ✘ ✔ ✔

--1Visa5520.70% -295Hilton HHonors Platinum CardMacquarie Bank ✔ ✔ ✔ ✘ ✔

120,00001Visa5517.24% -48Bluey Rewarder CardQld Police Credit Union ✘ ✘ ✘ ✔ ✘

��

3,000,00001Visa4516.58% -49Cash Rewards Visa CardBig Sky Building Society ✘ ✘ ✘ ✔ ✘

60,00001Visa4520.24% -100AltitudeWestpac ✔ ✔ ✔ ✔ ✘

30,00002Amex ✘

�

--1Amex4420.74% -295David Jones Platinum CardAmerican Express ✔ ✔ ✔ ✔ ✔

--1Amex5520.74% -195Platinum Edge Credit CardAmerican Express ✘ ✔ ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 2Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $12,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

�

--1Visa5513.99% -79Balance VisaANZ ✘ ✔ ✔ ✔ ✔

--0.75Visa4418.79% -80RewardsANZ ✔ ✔ ✔ ✔ ✔

--1.5Amex ✔

--1.25Visa5518.79% -375Rewards BlackANZ ✔ ✔ ✔ ✔ ✔

--3Amex ✔

--1Visa5518.79% -95Rewards PlatinumANZ ✔ ✔ ✔ ✔ ✔

--2Amex ✔

80,00001.25MC5520.24% -99Platinum MasterCardAuswide Bank ✔ ✔ ✔ ✔ ✘

--1Visa5519.49% -79Amplify ClassicBank of Melbourne ✔ ✔ ✔ ✘ ✔

--1Visa5519.49% -99Amplify PlatinumBank of Melbourne ✔ ✔ ✔ ✘ ✔

--1.5Visa5519.49% -279Amplify SignatureBank of Melbourne ✔ ✔ ✔ ✘ ✔

5,00000Visa5511.99% -49Visa ClassicBank of Sydney ✘ ✘ ✘ ✔ ✘

30,0005,000

--0.008Visa5518.49% -129Visa PlatinumBank of Sydney ✘ ✘ ✘ ✔ ✔

Credit Card Star Ratings 2016 - Page 3Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $12,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

�

--1Visa5519.49% -79Amplify ClassicBankSA ✔ ✔ ✔ ✘ ✔

--1Visa5519.49% -99Amplify PlatinumBankSA ✔ ✔ ✔ ✘ ✔

--1.5Visa5519.49% -279Amplify SignatureBankSA ✔ ✔ ✔ ✘ ✔

--0.004Visa5516.95% -100Visa Gold credit cardBankVic ✘ ✘ ✘ ✔ ✔

133,33301.5MC5519.99% -120More Gold MasterCardBankwest ✔ ✔ ✔ ✔ ✘

100,00001.5MC5519.99% -70More MasterCardBankwest ✔ ✔ ✔ ✔ ✘

200,00002MC5519.99% -140More Platinum MasterCardBankwest ✔ ✔ ✔ ✔ ✘

--1.5Visa5518.99% -119Platinum VisaBendigo Bank ✔ ✔ ✔ ✔ ✔

--1Visa4419.74% -45Ready Red VisaBendigo Bank ✔ ✔ ✔ ✔ ✔

--1Visa5519.64% -24RSPCA Rescue RewardsBendigo Bank ✔ ✔ ✔ ✔ ✔

65,00001Visa4420.74% -60Blue VisaBOQ ✔ ✔ ✔ ✔ ✘

120,00002Visa5520.74% -199Platinum VisaBOQ ✔ ✔ ✔ ✔ ✘

60,00001Visa5520.99% -99Classic CardCiti ✔ ✔ ✔ ✔ ✘

96,00001.25Visa5520.99% -249PlatinumCiti ✔ ✔ ✔ ✔ ✘

--2Visa5520.74% -700PrestigeCiti ✔ ✔ ✔ ✔ ✔

240,00001.5Visa5520.99% -395Signature RewardsCiti ✔ ✔ ✔ ✔ ✘

Credit Card Star Ratings 2016 - Page 4Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $12,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

�

--0.5MC629.99% -49Low Rate Platinum MasterCardColes ✔ ✔ ✔ ✘ ✔

800,00001.25MC5520.24% -349Diamond AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

333,33303Amex ✘

75,00001MC5520.24% -119Gold AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

37,50002Amex ✘

87,50037,500

150,00001MC5520.24% -249Platinum AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

60,00002.5Amex ✘

190,00060,000

80,00001.25MC5520.24% -99Platinum MasterCardCUA ✔ ✔ ✔ ✔ ✘

--1Diners44Charge Card -212Personal CardDiners Club Australia ✔ ✔ ✔ ✔ ✔

--1.25MC44Charge Card -389Personal Dual CardDiners Club Australia ✔ ✔ ✔ ✔ ✔

--3Diners ✔

100,00001MC5520.24% -159Platinum MasterCardIMB ✔ ✔ ✔ ✔ ✘

--2Visa5520.70% -249Black CardMacquarie Bank ✔ ✔ ✔ ✔ ✔

--1.25Visa5520.70% -199Platinum CardMacquarie Bank ✔ ✔ ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 5Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $12,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

�

100,00001MC5520.24% -159Platinum MasterCardMyState ✔ ✔ ✔ ✔ ✘

240,00001Visa4419.99% -95flybuys Rewards CardNAB ✔ ✔ ✔ ✔ ✘

100,00001MC5520.24% -159Platinum MyCardQT Mutual Bank ✔ ✔ ✔ ✔ ✘

100,00001MC5520.24% -159Platinum MyCardQueenslanders CU ✔ ✔ ✔ ✔ ✘

--1Visa5519.49% -79Amplify ClassicSt.George Bank ✔ ✔ ✔ ✘ ✔

--1Visa5519.49% -99Amplify PlatinumSt.George Bank ✔ ✔ ✔ ✘ ✔

--1.5Visa5519.49% -279Amplify SignatureSt.George Bank ✔ ✔ ✔ ✘ ✔

65,00001Visa5520.50% -120Gold CardSuncorp Bank ✔ ✘ ✔ ✔ ✘

96,00001.25Visa5520.74% -169Platinum CardSuncorp Bank ✔ ✔ ✔ ✔ ✘

--1.25MC4520.24% -395Altitude BlackWestpac ✔ ✔ ✔ ✔ ✔

--3Amex ✔

90,00001Visa4520.24% -150Altitude PlatinumWestpac ✔ ✔ ✔ ✔ ✘

45,00002Amex ✘

Credit Card Star Ratings 2016 - Page 6Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $24,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

�����

--1Amex4420.74% -99David Jones CardAmerican Express ✔ ✔ ✔ ✔ ✔

--2MC6219.99% -89Rewards MasterCardColes ✔ ✔ ✔ ✘ ✔

100,00002MC5519.99% -149Platinum MasterCardJetstar ✘ ✔ ✘ ✘ ✘

24,00001Visa6220.69% -69Myer Visa CardMyer ✘ ✘ ✔ ✘ ✘

����

--1Amex5514.99% -NilEssential Credit CardAmerican Express ✘ ✔ ✔ ✔ ✔

--1Visa5518.79% -95Rewards PlatinumANZ ✔ ✔ ✔ ✔ ✔

--2Amex ✔

60,00001Visa5516.80% -40Rewarder Visa Cardbcu ✘ ✘ ✘ ✔ ✘

--0.0067Visa5517.00% 12,00075Visa RewarderCoastline Credit Union ✘ ✘ ✘ ✔ ✔

--0.5MC6219.99% -NilNo Annual Fee Platinum MasterCardColes ✔ ✔ ✔ ✘ ✔

50,00001MC5514.99% -59MasterCardJetstar ✘ ✔ ✘ ✘ ✘

120,00001Visa5517.24% -48Bluey Rewarder CardQld Police Credit Union ✘ ✘ ✘ ✔ ✘

100,00001Visa5518.99% -79Rewards CardSummerland CU ✘ ✘ ✘ ✔ ✘

60,00001Visa4520.24% -100AltitudeWestpac ✔ ✔ ✔ ✔ ✘

30,00002Amex ✘

Credit Card Star Ratings 2016 - Page 7Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $24,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

����

--1Visa5519.99% -49Everyday Platinum Credit CardWoolworths ✔ ✘ ✔ ✘ ✔

���

--1Amex4420.74% -295David Jones Platinum CardAmerican Express ✔ ✔ ✔ ✔ ✔

--1Amex5520.74% -195Platinum Edge Credit CardAmerican Express ✘ ✔ ✔ ✔ ✔

--0.75Visa4418.79% -80RewardsANZ ✔ ✔ ✔ ✔ ✔

--1.5Amex ✔

--1Visa5519.49% -79Amplify ClassicBank of Melbourne ✔ ✔ ✔ ✘ ✔

--1Visa5519.49% -99Amplify PlatinumBank of Melbourne ✔ ✔ ✔ ✘ ✔

5,00000Visa5511.99% -49Visa ClassicBank of Sydney ✘ ✘ ✘ ✔ ✘

30,0005,000

--0.008Visa5518.49% -129Visa PlatinumBank of Sydney ✘ ✘ ✘ ✔ ✔

--1Visa5519.49% -79Amplify ClassicBankSA ✔ ✔ ✔ ✘ ✔

--1Visa5519.49% -99Amplify PlatinumBankSA ✔ ✔ ✔ ✘ ✔

100,00001.5MC5519.99% -70More MasterCardBankwest ✔ ✔ ✔ ✔ ✘

200,00002MC5519.99% -140More Platinum MasterCardBankwest ✔ ✔ ✔ ✔ ✘

3,000,00001Visa4516.58% -49Cash Rewards Visa CardBig Sky Building Society ✘ ✘ ✘ ✔ ✘

Credit Card Star Ratings 2016 - Page 8Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $24,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

���

--0.5MC629.99% -49Low Rate Platinum MasterCardColes ✔ ✔ ✔ ✘ ✔

75,00001MC5520.24% -119Gold AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

37,50002Amex ✘

87,50037,500

50,00001MC5520.24% -59Standard AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

33,33301.5Amex ✘

180,00001Visa4515.99% -36Cash Rewards Visa Credit CardFirst Option Credit Union ✘ ✘ ✘ ✔ ✘

100,00001MC6221.74% -59.40GO MasterCardGE Money ✔ ✔ ✔ ✘ ✘

--1Visa5519.99% 6,000149Platinum Credit CardHSBC ✔ ✔ ✔ ✔ ✔

--1Visa5517.95% 8,00030ClearHume Bank ✘ ✘ ✘ ✔ ✔

--2Visa5520.70% -249Black CardMacquarie Bank ✔ ✔ ✔ ✔ ✔

--1Visa5520.70% -295Hilton HHonors Platinum CardMacquarie Bank ✔ ✔ ✔ ✘ ✔

240,00001Visa4419.99% -95flybuys Rewards CardNAB ✔ ✔ ✔ ✔ ✘

--1Visa5519.49% -79Amplify ClassicSt.George Bank ✔ ✔ ✔ ✘ ✔

--1Visa5519.49% -99Amplify PlatinumSt.George Bank ✔ ✔ ✔ ✘ ✔

Credit Card Star Ratings 2016 - Page 9Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $24,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

���

90,00001Visa4520.24% -150Altitude PlatinumWestpac ✔ ✔ ✔ ✔ ✘

45,00002Amex ✘

��

--1Visa5513.99% -79Balance VisaANZ ✘ ✔ ✔ ✔ ✔

133,33301.5MC5519.99% -120More Gold MasterCardBankwest ✔ ✔ ✔ ✔ ✘

--1Visa5519.64% -24RSPCA Rescue RewardsBendigo Bank ✔ ✔ ✔ ✔ ✔

�

--1.25Visa5518.79% -375Rewards BlackANZ ✔ ✔ ✔ ✔ ✔

--3Amex ✔

80,00001.25MC5520.24% -99Platinum MasterCardAuswide Bank ✔ ✔ ✔ ✔ ✘

--1.5Visa5519.49% -279Amplify SignatureBank of Melbourne ✔ ✔ ✔ ✘ ✔

--1.5Visa5519.49% -279Amplify SignatureBankSA ✔ ✔ ✔ ✘ ✔

--0.004Visa5516.95% -100Visa Gold credit cardBankVic ✘ ✘ ✘ ✔ ✔

--1.5Visa5518.99% -119Platinum VisaBendigo Bank ✔ ✔ ✔ ✔ ✔

--1Visa4419.74% -45Ready Red VisaBendigo Bank ✔ ✔ ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 10Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $24,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

�

65,00001Visa4420.74% -60Blue VisaBOQ ✔ ✔ ✔ ✔ ✘

120,00002Visa5520.74% -199Platinum VisaBOQ ✔ ✔ ✔ ✔ ✘

60,00001Visa5520.99% -99Classic CardCiti ✔ ✔ ✔ ✔ ✘

96,00001.25Visa5520.99% -249PlatinumCiti ✔ ✔ ✔ ✔ ✘

--2Visa5520.74% -700PrestigeCiti ✔ ✔ ✔ ✔ ✔

240,00001.5Visa5520.99% -395Signature RewardsCiti ✔ ✔ ✔ ✔ ✘

800,00001.25MC5520.24% -349Diamond AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

333,33303Amex ✘

150,00001MC5520.24% -249Platinum AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

60,00002.5Amex ✘

190,00060,000

80,00001.25MC5520.24% -99Platinum MasterCardCUA ✔ ✔ ✔ ✔ ✘

--1Diners44Charge Card -212Personal CardDiners Club Australia ✔ ✔ ✔ ✔ ✔

--1.25MC44Charge Card -389Personal Dual CardDiners Club Australia ✔ ✔ ✔ ✔ ✔

--3Diners ✔

100,00001MC5520.24% -159Platinum MasterCardIMB ✔ ✔ ✔ ✔ ✘

Credit Card Star Ratings 2016 - Page 11Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $24,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

�

--1.25Visa5520.70% -199Platinum CardMacquarie Bank ✔ ✔ ✔ ✔ ✔

100,00001MC5520.24% -159Platinum MasterCardMyState ✔ ✔ ✔ ✔ ✘

100,00001MC5520.24% -159Platinum MyCardQT Mutual Bank ✔ ✔ ✔ ✔ ✘

100,00001MC5520.24% -159Platinum MyCardQueenslanders CU ✔ ✔ ✔ ✔ ✘

--1.5Visa5519.49% -279Amplify SignatureSt.George Bank ✔ ✔ ✔ ✘ ✔

65,00001Visa5520.50% -120Gold CardSuncorp Bank ✔ ✘ ✔ ✔ ✘

96,00001.25Visa5520.74% -169Platinum CardSuncorp Bank ✔ ✔ ✔ ✔ ✘

--1.25MC4520.24% -395Altitude BlackWestpac ✔ ✔ ✔ ✔ ✔

--3Amex ✔

Credit Card Star Ratings 2016 - Page 12Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $60,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

�����

--1Amex4420.74% -99David Jones CardAmerican Express ✔ ✔ ✔ ✔ ✔

--1Amex4420.74% -295David Jones Platinum CardAmerican Express ✔ ✔ ✔ ✔ ✔

--2MC6219.99% -89Rewards MasterCardColes ✔ ✔ ✔ ✘ ✔

100,00002MC5519.99% -149Platinum MasterCardJetstar ✘ ✔ ✘ ✘ ✘

100,00001Visa5518.99% -79Rewards CardSummerland CU ✘ ✘ ✘ ✔ ✘

����

--1Amex5520.74% -195Platinum Edge Credit CardAmerican Express ✘ ✔ ✔ ✔ ✔

--1.25Visa5518.79% -375Rewards BlackANZ ✔ ✔ ✔ ✔ ✔

--3Amex ✔

--1Visa5518.79% -95Rewards PlatinumANZ ✔ ✔ ✔ ✔ ✔

--2Amex ✔

--0.008Visa5518.49% -129Visa PlatinumBank of Sydney ✘ ✘ ✘ ✔ ✔

200,00002MC5519.99% -140More Platinum MasterCardBankwest ✔ ✔ ✔ ✔ ✘

--0.0067Visa5517.00% 12,00075Visa RewarderCoastline Credit Union ✘ ✘ ✘ ✔ ✔

100,00001MC6221.74% -59.40GO MasterCardGE Money ✔ ✔ ✔ ✘ ✘

240,00001Visa4419.99% -95flybuys Rewards CardNAB ✔ ✔ ✔ ✔ ✘

Credit Card Star Ratings 2016 - Page 13Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $60,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

����

--1.25MC4520.24% -395Altitude BlackWestpac ✔ ✔ ✔ ✔ ✔

--3Amex ✔

--1Visa5519.99% -49Everyday Platinum Credit CardWoolworths ✔ ✘ ✔ ✘ ✔

���

--1Amex5514.99% -NilEssential Credit CardAmerican Express ✘ ✔ ✔ ✔ ✔

--1Visa5513.99% -79Balance VisaANZ ✘ ✔ ✔ ✔ ✔

--0.75Visa4418.79% -80RewardsANZ ✔ ✔ ✔ ✔ ✔

--1.5Amex ✔

--1Visa5519.49% -79Amplify ClassicBank of Melbourne ✔ ✔ ✔ ✘ ✔

--1Visa5519.49% -99Amplify PlatinumBank of Melbourne ✔ ✔ ✔ ✘ ✔

--1.5Visa5519.49% -279Amplify SignatureBank of Melbourne ✔ ✔ ✔ ✘ ✔

--1Visa5519.49% -79Amplify ClassicBankSA ✔ ✔ ✔ ✘ ✔

--1Visa5519.49% -99Amplify PlatinumBankSA ✔ ✔ ✔ ✘ ✔

--1.5Visa5519.49% -279Amplify SignatureBankSA ✔ ✔ ✔ ✘ ✔

133,33301.5MC5519.99% -120More Gold MasterCardBankwest ✔ ✔ ✔ ✔ ✘

100,00001.5MC5519.99% -70More MasterCardBankwest ✔ ✔ ✔ ✔ ✘

Credit Card Star Ratings 2016 - Page 14Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $60,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

���

60,00001Visa5516.80% -40Rewarder Visa Cardbcu ✘ ✘ ✘ ✔ ✘

3,000,00001Visa4516.58% -49Cash Rewards Visa CardBig Sky Building Society ✘ ✘ ✘ ✔ ✘

120,00002Visa5520.74% -199Platinum VisaBOQ ✔ ✔ ✔ ✔ ✘

--0.5MC6219.99% -NilNo Annual Fee Platinum MasterCardColes ✔ ✔ ✔ ✘ ✔

800,00001.25MC5520.24% -349Diamond AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

333,33303Amex ✘

75,00001MC5520.24% -119Gold AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

37,50002Amex ✘

87,50037,500

150,00001MC5520.24% -249Platinum AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

60,00002.5Amex ✘

190,00060,000

--1.25MC44Charge Card -389Personal Dual CardDiners Club Australia ✔ ✔ ✔ ✔ ✔

--3Diners ✔

180,00001Visa4515.99% -36Cash Rewards Visa Credit CardFirst Option Credit Union ✘ ✘ ✘ ✔ ✘

--1Visa5519.99% 6,000149Platinum Credit CardHSBC ✔ ✔ ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 15Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $60,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

���

50,00001MC5514.99% -59MasterCardJetstar ✘ ✔ ✘ ✘ ✘

--2Visa5520.70% -249Black CardMacquarie Bank ✔ ✔ ✔ ✔ ✔

--1Visa5520.70% -295Hilton HHonors Platinum CardMacquarie Bank ✔ ✔ ✔ ✘ ✔

--1.25Visa5520.70% -199Platinum CardMacquarie Bank ✔ ✔ ✔ ✔ ✔

24,00001Visa6220.69% -69Myer Visa CardMyer ✘ ✘ ✔ ✘ ✘

120,00001Visa5517.24% -48Bluey Rewarder CardQld Police Credit Union ✘ ✘ ✘ ✔ ✘

--1Visa5519.49% -79Amplify ClassicSt.George Bank ✔ ✔ ✔ ✘ ✔

--1Visa5519.49% -99Amplify PlatinumSt.George Bank ✔ ✔ ✔ ✘ ✔

--1.5Visa5519.49% -279Amplify SignatureSt.George Bank ✔ ✔ ✔ ✘ ✔

96,00001.25Visa5520.74% -169Platinum CardSuncorp Bank ✔ ✔ ✔ ✔ ✘

60,00001Visa4520.24% -100AltitudeWestpac ✔ ✔ ✔ ✔ ✘

30,00002Amex ✘

90,00001Visa4520.24% -150Altitude PlatinumWestpac ✔ ✔ ✔ ✔ ✘

45,00002Amex ✘

��

80,00001.25MC5520.24% -99Platinum MasterCardAuswide Bank ✔ ✔ ✔ ✔ ✘

Credit Card Star Ratings 2016 - Page 16Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $60,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

��

--0.004Visa5516.95% -100Visa Gold credit cardBankVic ✘ ✘ ✘ ✔ ✔

--1.5Visa5518.99% -119Platinum VisaBendigo Bank ✔ ✔ ✔ ✔ ✔

--1Visa5519.64% -24RSPCA Rescue RewardsBendigo Bank ✔ ✔ ✔ ✔ ✔

65,00001Visa4420.74% -60Blue VisaBOQ ✔ ✔ ✔ ✔ ✘

60,00001Visa5520.99% -99Classic CardCiti ✔ ✔ ✔ ✔ ✘

96,00001.25Visa5520.99% -249PlatinumCiti ✔ ✔ ✔ ✔ ✘

--0.5MC629.99% -49Low Rate Platinum MasterCardColes ✔ ✔ ✔ ✘ ✔

50,00001MC5520.24% -59Standard AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

33,33301.5Amex ✘

80,00001.25MC5520.24% -99Platinum MasterCardCUA ✔ ✔ ✔ ✔ ✘

--1Visa5517.95% 8,00030ClearHume Bank ✘ ✘ ✘ ✔ ✔

100,00001MC5520.24% -159Platinum MasterCardIMB ✔ ✔ ✔ ✔ ✘

100,00001MC5520.24% -159Platinum MasterCardMyState ✔ ✔ ✔ ✔ ✘

100,00001MC5520.24% -159Platinum MyCardQT Mutual Bank ✔ ✔ ✔ ✔ ✘

100,00001MC5520.24% -159Platinum MyCardQueenslanders CU ✔ ✔ ✔ ✔ ✘

65,00001Visa5520.50% -120Gold CardSuncorp Bank ✔ ✘ ✔ ✔ ✘

Credit Card Star Ratings 2016 - Page 17Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $60,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

�

5,00000Visa5511.99% -49Visa ClassicBank of Sydney ✘ ✘ ✘ ✔ ✘

30,0005,000

--1Visa4419.74% -45Ready Red VisaBendigo Bank ✔ ✔ ✔ ✔ ✔

--2Visa5520.74% -700PrestigeCiti ✔ ✔ ✔ ✔ ✔

240,00001.5Visa5520.99% -395Signature RewardsCiti ✔ ✔ ✔ ✔ ✘

--1Diners44Charge Card -212Personal CardDiners Club Australia ✔ ✔ ✔ ✔ ✔

Credit Card Star Ratings 2016 - Page 18Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $120,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

�����

--1Amex4420.74% -99David Jones CardAmerican Express ✔ ✔ ✔ ✔ ✔

--1Amex4420.74% -295David Jones Platinum CardAmerican Express ✔ ✔ ✔ ✔ ✔

--1.25Visa5518.79% -375Rewards BlackANZ ✔ ✔ ✔ ✔ ✔

--3Amex ✔

--2MC6219.99% -89Rewards MasterCardColes ✔ ✔ ✔ ✘ ✔

100,00002MC5519.99% -149Platinum MasterCardJetstar ✘ ✔ ✘ ✘ ✘

--1.25MC4520.24% -395Altitude BlackWestpac ✔ ✔ ✔ ✔ ✔

--3Amex ✔

����

--1Amex5520.74% -195Platinum Edge Credit CardAmerican Express ✘ ✔ ✔ ✔ ✔

--1Visa5518.79% -95Rewards PlatinumANZ ✔ ✔ ✔ ✔ ✔

--2Amex ✔

--0.008Visa5518.49% -129Visa PlatinumBank of Sydney ✘ ✘ ✘ ✔ ✔

200,00002MC5519.99% -140More Platinum MasterCardBankwest ✔ ✔ ✔ ✔ ✘

800,00001.25MC5520.24% -349Diamond AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

333,33303Amex ✘

Credit Card Star Ratings 2016 - Page 19Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $120,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

����

--2Visa5520.70% -249Black CardMacquarie Bank ✔ ✔ ✔ ✔ ✔

100,00001Visa5518.99% -79Rewards CardSummerland CU ✘ ✘ ✘ ✔ ✘

���

--1Amex5514.99% -NilEssential Credit CardAmerican Express ✘ ✔ ✔ ✔ ✔

--1Visa5513.99% -79Balance VisaANZ ✘ ✔ ✔ ✔ ✔

--0.75Visa4418.79% -80RewardsANZ ✔ ✔ ✔ ✔ ✔

--1.5Amex ✔

80,00001.25MC5520.24% -99Platinum MasterCardAuswide Bank ✔ ✔ ✔ ✔ ✘

--1Visa5519.49% -79Amplify ClassicBank of Melbourne ✔ ✔ ✔ ✘ ✔

--1Visa5519.49% -99Amplify PlatinumBank of Melbourne ✔ ✔ ✔ ✘ ✔

--1.5Visa5519.49% -279Amplify SignatureBank of Melbourne ✔ ✔ ✔ ✘ ✔

--1Visa5519.49% -79Amplify ClassicBankSA ✔ ✔ ✔ ✘ ✔

--1Visa5519.49% -99Amplify PlatinumBankSA ✔ ✔ ✔ ✘ ✔

--1.5Visa5519.49% -279Amplify SignatureBankSA ✔ ✔ ✔ ✘ ✔

133,33301.5MC5519.99% -120More Gold MasterCardBankwest ✔ ✔ ✔ ✔ ✘

100,00001.5MC5519.99% -70More MasterCardBankwest ✔ ✔ ✔ ✔ ✘

Credit Card Star Ratings 2016 - Page 20Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $120,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

���

--1.5Visa5518.99% -119Platinum VisaBendigo Bank ✔ ✔ ✔ ✔ ✔

3,000,00001Visa4516.58% -49Cash Rewards Visa CardBig Sky Building Society ✘ ✘ ✘ ✔ ✘

120,00002Visa5520.74% -199Platinum VisaBOQ ✔ ✔ ✔ ✔ ✘

96,00001.25Visa5520.99% -249PlatinumCiti ✔ ✔ ✔ ✔ ✘

--2Visa5520.74% -700PrestigeCiti ✔ ✔ ✔ ✔ ✔

240,00001.5Visa5520.99% -395Signature RewardsCiti ✔ ✔ ✔ ✔ ✘

--0.0067Visa5517.00% 12,00075Visa RewarderCoastline Credit Union ✘ ✘ ✘ ✔ ✔

--0.5MC6219.99% -NilNo Annual Fee Platinum MasterCardColes ✔ ✔ ✔ ✘ ✔

75,00001MC5520.24% -119Gold AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

37,50002Amex ✘

87,50037,500

150,00001MC5520.24% -249Platinum AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

60,00002.5Amex ✘

190,00060,000

80,00001.25MC5520.24% -99Platinum MasterCardCUA ✔ ✔ ✔ ✔ ✘

Credit Card Star Ratings 2016 - Page 21Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $120,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

���

--1.25MC44Charge Card -389Personal Dual CardDiners Club Australia ✔ ✔ ✔ ✔ ✔

--3Diners ✔

180,00001Visa4515.99% -36Cash Rewards Visa Credit CardFirst Option Credit Union ✘ ✘ ✘ ✔ ✘

100,00001MC6221.74% -59.40GO MasterCardGE Money ✔ ✔ ✔ ✘ ✘

--1Visa5519.99% 6,000149Platinum Credit CardHSBC ✔ ✔ ✔ ✔ ✔

100,00001MC5520.24% -159Platinum MasterCardIMB ✔ ✔ ✔ ✔ ✘

--1Visa5520.70% -295Hilton HHonors Platinum CardMacquarie Bank ✔ ✔ ✔ ✘ ✔

--1.25Visa5520.70% -199Platinum CardMacquarie Bank ✔ ✔ ✔ ✔ ✔

100,00001MC5520.24% -159Platinum MasterCardMyState ✔ ✔ ✔ ✔ ✘

240,00001Visa4419.99% -95flybuys Rewards CardNAB ✔ ✔ ✔ ✔ ✘

120,00001Visa5517.24% -48Bluey Rewarder CardQld Police Credit Union ✘ ✘ ✘ ✔ ✘

100,00001MC5520.24% -159Platinum MyCardQT Mutual Bank ✔ ✔ ✔ ✔ ✘

100,00001MC5520.24% -159Platinum MyCardQueenslanders CU ✔ ✔ ✔ ✔ ✘

--1Visa5519.49% -79Amplify ClassicSt.George Bank ✔ ✔ ✔ ✘ ✔

--1Visa5519.49% -99Amplify PlatinumSt.George Bank ✔ ✔ ✔ ✘ ✔

--1.5Visa5519.49% -279Amplify SignatureSt.George Bank ✔ ✔ ✔ ✘ ✔

Credit Card Star Ratings 2016 - Page 22Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $120,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

���

96,00001.25Visa5520.74% -169Platinum CardSuncorp Bank ✔ ✔ ✔ ✔ ✘

90,00001Visa4520.24% -150Altitude PlatinumWestpac ✔ ✔ ✔ ✔ ✘

45,00002Amex ✘

--1Visa5519.99% -49Everyday Platinum Credit CardWoolworths ✔ ✘ ✔ ✘ ✔

��

--0.004Visa5516.95% -100Visa Gold credit cardBankVic ✘ ✘ ✘ ✔ ✔

60,00001Visa5516.80% -40Rewarder Visa Cardbcu ✘ ✘ ✘ ✔ ✘

--1Visa4419.74% -45Ready Red VisaBendigo Bank ✔ ✔ ✔ ✔ ✔

--1Visa5519.64% -24RSPCA Rescue RewardsBendigo Bank ✔ ✔ ✔ ✔ ✔

--0.5MC629.99% -49Low Rate Platinum MasterCardColes ✔ ✔ ✔ ✘ ✔

50,00001MC5520.24% -59Standard AwardsCommonwealth Bank ✔ ✔ ✔ ✔ ✘

33,33301.5Amex ✘

--1Diners44Charge Card -212Personal CardDiners Club Australia ✔ ✔ ✔ ✔ ✔

--1Visa5517.95% 8,00030ClearHume Bank ✘ ✘ ✘ ✔ ✔

50,00001MC5514.99% -59MasterCardJetstar ✘ ✔ ✘ ✘ ✘

24,00001Visa6220.69% -69Myer Visa CardMyer ✘ ✘ ✔ ✘ ✘

Credit Card Star Ratings 2016 - Page 23Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Points

Per $1

Card

Type

No

Cap

Start

($)

End

($)

Rewards $120,000 Annual Spend

Interest

Free Days

Rewards Available

Merchandise Travel Voucher Cashback

��

65,00001Visa5520.50% -120Gold CardSuncorp Bank ✔ ✘ ✔ ✔ ✘

60,00001Visa4520.24% -100AltitudeWestpac ✔ ✔ ✔ ✔ ✘

30,00002Amex ✘

�

5,00000Visa5511.99% -49Visa ClassicBank of Sydney ✘ ✘ ✘ ✔ ✘

30,0005,000

65,00001Visa4420.74% -60Blue VisaBOQ ✔ ✔ ✔ ✔ ✘

60,00001Visa5520.99% -99Classic CardCiti ✔ ✔ ✔ ✔ ✘

Credit Card Star Ratings 2016 - Page 24Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $12,000 Annual Spend

�����

Amex5514.99% -NilEssential Credit CardAmerican Express 0.75 0.75 0.75 0.75 0.75✔

Amex5520.74% -195Platinum Edge Credit CardAmerican Express 1.00 1.00 1.00 1.00 1.00✔

Amex4420.74% -NilVelocity Escape CardAmerican Express 1.00✔

Amex4420.74% -349Velocity Platinum CardAmerican Express 1.00✔

MC6219.99% -89Rewards MasterCardColes 0.80✔

����

Amex4420.74% -99David Jones CardAmerican Express 0.50 0.50 0.50 0.50 0.50✔

Amex4420.74% -99David Jones Card - Qantas Points OptionAmerican Express 0.75✔

Amex4420.74% -NilQantas Discovery CardAmerican Express 1.00✔

Visa5518.79% -95Rewards PlatinumANZ 0.50 0.33 0.33✔

Amex 1.00 0.67 0.67✔

MC6219.99% -NilNo Annual Fee Platinum MasterCardColes 0.20✔

Visa5519.99% 6000149Platinum Credit CardHSBC 0.50 0.50 0.50✔

Visa4419.99% -150Velocity Rewards Premium CardNAB 0.50✘

Amex 1.50✘

Credit Card Star Ratings 2016 - Page 1Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $12,000 Annual Spend

���

Visa4419.99% -95Frequent FlyerANZ 0.50✘

Amex 1.00✘

Visa4418.79% -80RewardsANZ 0.38 0.25 0.25✔

Amex 0.75 0.50 0.50✔

MC5520.24% -59Standard AwardsCommonwealth Bank 0.40✘

Amex 0.60✘

MC5519.99% -149Platinum MasterCard - Qantas Points OptionJetstar 1.00✘

Visa4419.99% -95flybuys Rewards CardNAB 0.40✘

MC4419.99% -95Qantas Rewards CardNAB 0.50✘

Amex 1.00✘

Visa4419.99% -95Velocity Rewards CardNAB 0.50✘

Amex 1.00✘

Visa4520.24% -100AltitudeWestpac 0.50 0.50 0.50 0.50✘

Amex 1.00 1.00 1.00 1.00✘

Visa4520.24% -150Altitude PlatinumWestpac 0.50 0.50 0.50 0.50✘

Amex 1.00 1.00 1.00 1.00✘

Credit Card Star Ratings 2016 - Page 2Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $12,000 Annual Spend

���

Visa5520.49% -139Qantas Platinum Credit CardWoolworths 1.00✔

��

Visa5519.49% -79Amplify ClassicBank of Melbourne 0.50 0.50 0.50✔

Visa5519.49% -79Amplify ClassicBankSA 0.50 0.50 0.50✔

MC629.99% -49Low Rate Platinum MasterCardColes 0.20✔

MC5520.24% -119Gold AwardsCommonwealth Bank 0.40✘

Amex 0.80✘

Visa5519.49% -79Amplify ClassicSt.George Bank 0.50 0.50 0.50✔

Visa4520.24% -100Altitude - Qantas Points OptionWestpac 0.50✘

Amex 1.00✘

�

Amex4420.74% -295David Jones Platinum CardAmerican Express 0.50 0.50 0.50 0.50 0.50✔

Amex4420.74% -295David Jones Platinum Card - Qantas Points OptionAmerican Express 0.75✔

Amex4420.74% -249Qantas Premium CardAmerican Express 1.00✔

Amex4420.74% -450Qantas Ultimate CardAmerican Express 1.00✔

Credit Card Star Ratings 2016 - Page 3Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $12,000 Annual Spend

�

Visa5519.99% -425Frequent Flyer BlackANZ 0.75✔

Amex 1.50✔

Visa5519.99% -295Frequent Flyer PlatinumANZ 0.50✘

Amex 1.50✘

Visa5518.79% -375Rewards BlackANZ 0.63 0.42 0.42✔

Amex 1.50 1.00 1.00✔

MC5520.24% -99Platinum MasterCardAuswide Bank 0.63 0.63 0.63 0.63✘

Visa5518.74% -189Platinum Rewards Visa Credit CardBank Australia 1.00✔

Visa5519.49% -79Amplify Classic - Qantas Points OptionBank of Melbourne 0.50✔

Visa5519.49% -99Amplify PlatinumBank of Melbourne 0.50 0.50 0.50✔

Visa5519.49% -99Amplify Platinum - Qantas Points OptionBank of Melbourne 0.50✔

Visa5519.49% -279Amplify SignatureBank of Melbourne 0.75 0.75 0.75✔

Visa5519.49% -279Amplify Signature - Qantas Points OptionBank of Melbourne 0.75✔

Credit Card Star Ratings 2016 - Page 4Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $12,000 Annual Spend

�

Visa5519.49% -79Amplify Classic - Qantas Points OptionBankSA 0.50✔

Visa5519.49% -99Amplify PlatinumBankSA 0.50 0.50 0.50✔

Visa5519.49% -99Amplify Platinum - Qantas Points OptionBankSA 0.50✔

Visa5519.49% -279Amplify SignatureBankSA 0.75 0.75 0.75✔

Visa5519.49% -279Amplify Signature - Qantas Points OptionBankSA 0.75✔

MC5520.49% -100Qantas Classic MasterCardBankwest 0.50✘

MC5520.49% -150Qantas Gold MasterCardBankwest 0.50✘

MC5520.49% -160Qantas Platinum MasterCardBankwest 0.75✘

Visa5520.74% -199Platinum VisaBOQ 0.67✘

MC5520.99% -299Emirates World MasterCardCiti ✘

Visa5520.99% -249PlatinumCiti 0.50 0.50✘

Visa5520.74% -700PrestigeCiti 1.00 1.00 1.00 1.00 1.00✔

Visa5520.74% -749Prestige - Qantas Points OptionCiti 1.00✔

Visa5520.99% -348Qantas SignatureCiti 1.00✘

Visa5520.99% -395Signature RewardsCiti 0.75 0.75✘

Credit Card Star Ratings 2016 - Page 5Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $12,000 Annual Spend

�

MC5520.24% -349Diamond AwardsCommonwealth Bank 0.63✘

Amex 1.50✘

MC5520.24% -379Diamond Awards - Qantas Points OptionCommonwealth Bank 0.50✘

Amex 1.20✘

MC5520.24% -149Gold Awards - Qantas Points OptionCommonwealth Bank 0.40✘

Amex 0.80✘

MC5520.24% -249Platinum AwardsCommonwealth Bank 0.50✘

Amex 1.25✘

MC5520.24% -279Platinum Awards - Qantas Points OptionCommonwealth Bank 0.40✘

Amex 1.00✘

MC5520.24% -89Standard Awards - Qantas Points OptionCommonwealth Bank 0.40✘

Amex 0.60✘

MC5520.24% -99Platinum MasterCardCUA 0.63 0.63 0.63 0.63✘

Credit Card Star Ratings 2016 - Page 6Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $12,000 Annual Spend

�

MC37Charge Card -260Frequent Flyer Dual CardDiners Club Australia 1.00✔

Diners 1.50✔

Diners44Charge Card -150Frequent Flyers Club CardDiners Club Australia 1.00✔

Diners44Charge Card -212Personal CardDiners Club Australia 0.67 0.50✔

MC44Charge Card -389Personal Dual CardDiners Club Australia 0.83 0.63✔

Diners 2.00 1.50✔

Visa5018.99% -249Platinum Visa Credit CardG&C Mutual Bank 1.00✔

Visa5519.99% -199Platinum Qantas Credit CardHSBC 1.00✔

MC5520.24% -159Platinum MasterCardIMB 0.40 0.40 0.40✘

MC5514.99% -89MasterCard - Qantas Points OptionJetstar 0.50✘

Visa5520.70% -299Black Card - Qantas Points OptionMacquarie Bank 1.00✘

Visa5520.70% -295Hilton HHonors Platinum CardMacquarie Bank 0.15 0.10 0.10 0.10✔

Visa5520.70% -249Platinum Card - Qantas Points OptionMacquarie Bank 1.00✘

MC5520.24% -159Platinum MasterCardMyState 0.40 0.40 0.40✘

Visa4419.99% -250Qantas Rewards Premium CardNAB 0.50✘

Amex 1.50✘

Credit Card Star Ratings 2016 - Page 7Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $12,000 Annual Spend

�

Visa5518.99% -195Visa Platinum Credit CardQantas Credit Union 1.00✔

MC5520.24% -159Platinum MyCardQT Mutual Bank 0.40 0.40 0.40✘

MC5520.24% -159Platinum MyCardQueenslanders CU 0.40 0.40 0.40✘

Visa5519.49% -79Amplify Classic - Qantas Points OptionSt.George Bank 0.50✔

Visa5519.49% -99Amplify PlatinumSt.George Bank 0.50 0.50 0.50✔

Visa5519.49% -99Amplify Platinum - Qantas Points OptionSt.George Bank 0.50✔

Visa5519.49% -279Amplify SignatureSt.George Bank 0.75 0.75 0.75✔

Visa5519.49% -279Amplify Signature - Qantas Points OptionSt.George Bank 0.75✔

Visa5520.74% -169Platinum CardSuncorp Bank 0.50 0.50✘

Visa5520.74% -218Platinum Card - Qantas Points OptionSuncorp Bank 0.50✘

Visa4420.74% -129Virgin Aust Velocity Flyer CardVirgin Money 0.66✔

Visa4420.74% -289VirginAust Velocity High Flyer CardVirgin Money 1.00✔

Credit Card Star Ratings 2016 - Page 8Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $12,000 Annual Spend

�

MC4520.24% -395Altitude BlackWestpac 0.63 0.63 0.63 0.63✔

Amex 1.50 1.50 1.50 1.50✔

MC4520.24% -395Altitude Black - Qantas Points OptionWestpac 0.63✔

Amex 1.50✔

Visa4520.24% -150Altitude Platinum - Qantas Points OptionWestpac 0.50✘

Amex 1.00✘

Credit Card Star Ratings 2016 - Page 9Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $24,000 Annual Spend

�����

Amex5520.74% -195Platinum Edge Credit CardAmerican Express 1.00 1.00 1.00 1.00 1.00✔

Amex4420.74% -NilVelocity Escape CardAmerican Express 1.00✔

Amex4420.74% -349Velocity Platinum CardAmerican Express 1.00✔

Visa5518.79% -95Rewards PlatinumANZ 0.50 0.33 0.33✔

Amex 1.00 0.67 0.67✔

MC6219.99% -89Rewards MasterCardColes 0.80✔

Visa4419.99% -150Velocity Rewards Premium CardNAB 0.50✘

Amex 1.50✘

����

Amex4420.74% -99David Jones CardAmerican Express 0.50 0.50 0.50 0.50 0.50✔

Amex4420.74% -99David Jones Card - Qantas Points OptionAmerican Express 0.75✔

Amex5514.99% -NilEssential Credit CardAmerican Express 0.75 0.75 0.75 0.75 0.75✔

Amex4420.74% -NilQantas Discovery CardAmerican Express 1.00✔

MC6219.99% -NilNo Annual Fee Platinum MasterCardColes 0.20✔

Credit Card Star Ratings 2016 - Page 10Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $24,000 Annual Spend

����

MC44Charge Card -389Personal Dual CardDiners Club Australia 0.83 0.63✔

Diners 2.00 1.50✔

Visa5519.99% 6000149Platinum Credit CardHSBC 0.50 0.50 0.50✔

MC5519.99% -149Platinum MasterCard - Qantas Points OptionJetstar 1.00✘

Visa4419.99% -95Velocity Rewards CardNAB 0.50✘

Amex 1.00✘

Visa4520.24% -100AltitudeWestpac 0.50 0.50 0.50 0.50✘

Amex 1.00 1.00 1.00 1.00✘

Visa4520.24% -150Altitude PlatinumWestpac 0.50 0.50 0.50 0.50✘

Amex 1.00 1.00 1.00 1.00✘

Visa5520.49% -139Qantas Platinum Credit CardWoolworths 1.00✔

���

Credit Card Star Ratings 2016 - Page 11Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $24,000 Annual Spend

���

Amex4420.74% -295David Jones Platinum CardAmerican Express 0.50 0.50 0.50 0.50 0.50✔

Amex4420.74% -295David Jones Platinum Card - Qantas Points OptionAmerican Express 0.75✔

Amex4420.74% -249Qantas Premium CardAmerican Express 1.00✔

Amex4420.74% -450Qantas Ultimate CardAmerican Express 1.00✔

Visa4419.99% -95Frequent FlyerANZ 0.50✘

Amex 1.00✘

Visa5519.99% -295Frequent Flyer PlatinumANZ 0.50✘

Amex 1.50✘

Visa4418.79% -80RewardsANZ 0.38 0.25 0.25✔

Amex 0.75 0.50 0.50✔

Visa5518.79% -375Rewards BlackANZ 0.63 0.42 0.42✔

Amex 1.50 1.00 1.00✔

Visa5518.74% -189Platinum Rewards Visa Credit CardBank Australia 1.00✔

Visa5519.49% -79Amplify ClassicBank of Melbourne 0.50 0.50 0.50✔

Visa5519.49% -99Amplify PlatinumBank of Melbourne 0.50 0.50 0.50✔

Visa5519.49% -99Amplify Platinum - Qantas Points OptionBank of Melbourne 0.50✔

Credit Card Star Ratings 2016 - Page 12Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $24,000 Annual Spend

���

Visa5519.49% -79Amplify ClassicBankSA 0.50 0.50 0.50✔

Visa5519.49% -99Amplify PlatinumBankSA 0.50 0.50 0.50✔

Visa5519.49% -99Amplify Platinum - Qantas Points OptionBankSA 0.50✔

MC5520.49% -160Qantas Platinum MasterCardBankwest 0.75✘

MC629.99% -49Low Rate Platinum MasterCardColes 0.20✔

MC5520.24% -349Diamond AwardsCommonwealth Bank 0.63✘

Amex 1.50✘

MC5520.24% -119Gold AwardsCommonwealth Bank 0.40✘

Amex 0.80✘

MC5520.24% -249Platinum AwardsCommonwealth Bank 0.50✘

Amex 1.25✘

MC5520.24% -59Standard AwardsCommonwealth Bank 0.40✘

Amex 0.60✘

MC37Charge Card -260Frequent Flyer Dual CardDiners Club Australia 1.00✔

Diners 1.50✔

Visa5519.99% -199Platinum Qantas Credit CardHSBC 1.00✔

Credit Card Star Ratings 2016 - Page 13Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $24,000 Annual Spend

���

Visa5520.70% -249Platinum Card - Qantas Points OptionMacquarie Bank 1.00✘

Visa4419.99% -95flybuys Rewards CardNAB 0.40✘

MC4419.99% -95Qantas Rewards CardNAB 0.50✘

Amex 1.00✘

Visa4419.99% -250Qantas Rewards Premium CardNAB 0.50✘

Amex 1.50✘

Visa5518.99% -195Visa Platinum Credit CardQantas Credit Union 1.00✔

Visa5519.49% -79Amplify ClassicSt.George Bank 0.50 0.50 0.50✔

Visa5519.49% -99Amplify PlatinumSt.George Bank 0.50 0.50 0.50✔

Visa5519.49% -99Amplify Platinum - Qantas Points OptionSt.George Bank 0.50✔

Visa4420.74% -129Virgin Aust Velocity Flyer CardVirgin Money 0.66✔

Credit Card Star Ratings 2016 - Page 14Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $24,000 Annual Spend

���

Visa4520.24% -100Altitude - Qantas Points OptionWestpac 0.50✘

Amex 1.00✘

MC4520.24% -395Altitude BlackWestpac 0.63 0.63 0.63 0.63✔

Amex 1.50 1.50 1.50 1.50✔

Visa4520.24% -150Altitude Platinum - Qantas Points OptionWestpac 0.50✘

Amex 1.00✘

��

Visa5519.49% -79Amplify Classic - Qantas Points OptionBank of Melbourne 0.50✔

Visa5519.49% -79Amplify Classic - Qantas Points OptionBankSA 0.50✔

Visa5520.74% -199Platinum VisaBOQ 0.67✘

MC5520.24% -149Gold Awards - Qantas Points OptionCommonwealth Bank 0.40✘

Amex 0.80✘

Diners44Charge Card -150Frequent Flyers Club CardDiners Club Australia 1.00✔

Visa5018.99% -249Platinum Visa Credit CardG&C Mutual Bank 1.00✔

MC5514.99% -89MasterCard - Qantas Points OptionJetstar 0.50✘

Credit Card Star Ratings 2016 - Page 15Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $24,000 Annual Spend

��

Visa5519.49% -79Amplify Classic - Qantas Points OptionSt.George Bank 0.50✔

Visa4420.74% -289VirginAust Velocity High Flyer CardVirgin Money 1.00✔

�

Visa5519.99% -425Frequent Flyer BlackANZ 0.75✔

Amex 1.50✔

MC5520.24% -99Platinum MasterCardAuswide Bank 0.63 0.63 0.63 0.63✘

Visa5519.49% -279Amplify SignatureBank of Melbourne 0.75 0.75 0.75✔

Visa5519.49% -279Amplify Signature - Qantas Points OptionBank of Melbourne 0.75✔

Visa5519.49% -279Amplify SignatureBankSA 0.75 0.75 0.75✔

Visa5519.49% -279Amplify Signature - Qantas Points OptionBankSA 0.75✔

MC5520.49% -100Qantas Classic MasterCardBankwest 0.50✘

MC5520.49% -150Qantas Gold MasterCardBankwest 0.50✘

Credit Card Star Ratings 2016 - Page 16Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $24,000 Annual Spend

�

MC5520.99% -299Emirates World MasterCardCiti ✘

Visa5520.99% -249PlatinumCiti 0.50 0.50✘

Visa5520.74% -700PrestigeCiti 1.00 1.00 1.00 1.00 1.00✔

Visa5520.74% -749Prestige - Qantas Points OptionCiti 1.00✔

Visa5520.99% -348Qantas SignatureCiti 1.00✘

Visa5520.99% -395Signature RewardsCiti 0.75 0.75✘

MC5520.24% -379Diamond Awards - Qantas Points OptionCommonwealth Bank 0.50✘

Amex 1.20✘

MC5520.24% -279Platinum Awards - Qantas Points OptionCommonwealth Bank 0.40✘

Amex 1.00✘

MC5520.24% -89Standard Awards - Qantas Points OptionCommonwealth Bank 0.40✘

Amex 0.60✘

MC5520.24% -99Platinum MasterCardCUA 0.63 0.63 0.63 0.63✘

Diners44Charge Card -212Personal CardDiners Club Australia 0.67 0.50✔

MC5520.24% -159Platinum MasterCardIMB 0.40 0.40 0.40✘

Credit Card Star Ratings 2016 - Page 17Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $24,000 Annual Spend

�

Visa5520.70% -299Black Card - Qantas Points OptionMacquarie Bank 1.00✘

Visa5520.70% -295Hilton HHonors Platinum CardMacquarie Bank 0.15 0.10 0.10 0.10✔

MC5520.24% -159Platinum MasterCardMyState 0.40 0.40 0.40✘

MC5520.24% -159Platinum MyCardQT Mutual Bank 0.40 0.40 0.40✘

MC5520.24% -159Platinum MyCardQueenslanders CU 0.40 0.40 0.40✘

Visa5519.49% -279Amplify SignatureSt.George Bank 0.75 0.75 0.75✔

Visa5519.49% -279Amplify Signature - Qantas Points OptionSt.George Bank 0.75✔

Visa5520.74% -169Platinum CardSuncorp Bank 0.50 0.50✘

Visa5520.74% -218Platinum Card - Qantas Points OptionSuncorp Bank 0.50✘

MC4520.24% -395Altitude Black - Qantas Points OptionWestpac 0.63✔

Amex 1.50✔

Credit Card Star Ratings 2016 - Page 18Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $60,000 Annual Spend

�����

Amex5520.74% -195Platinum Edge Credit CardAmerican Express 1.00 1.00 1.00 1.00 1.00✔

Amex4420.74% -349Velocity Platinum CardAmerican Express 1.00✔

Visa5518.79% -375Rewards BlackANZ 0.63 0.42 0.42✔

Amex 1.50 1.00 1.00✔

MC6219.99% -89Rewards MasterCardColes 0.80✔

MC44Charge Card -389Personal Dual CardDiners Club Australia 0.83 0.63✔

Diners 2.00 1.50✔

Visa4419.99% -150Velocity Rewards Premium CardNAB 0.50✘

Amex 1.50✘

MC4520.24% -395Altitude BlackWestpac 0.63 0.63 0.63 0.63✔

Amex 1.50 1.50 1.50 1.50✔

����

Credit Card Star Ratings 2016 - Page 19Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $60,000 Annual Spend

����

Amex4420.74% -99David Jones CardAmerican Express 0.50 0.50 0.50 0.50 0.50✔

Amex4420.74% -99David Jones Card - Qantas Points OptionAmerican Express 0.75✔

Amex4420.74% -295David Jones Platinum CardAmerican Express 0.50 0.50 0.50 0.50 0.50✔

Amex4420.74% -295David Jones Platinum Card - Qantas Points OptionAmerican Express 0.75✔

Amex4420.74% -NilVelocity Escape CardAmerican Express 1.00✔

Visa5519.99% -295Frequent Flyer PlatinumANZ 0.50✘

Amex 1.50✘

Visa5518.79% -95Rewards PlatinumANZ 0.50 0.33 0.33✔

Amex 1.00 0.67 0.67✔

MC5520.24% -349Diamond AwardsCommonwealth Bank 0.63✘

Amex 1.50✘

MC5520.24% -249Platinum AwardsCommonwealth Bank 0.50✘

Amex 1.25✘

MC5519.99% -149Platinum MasterCard - Qantas Points OptionJetstar 1.00✘

Visa4419.99% -250Qantas Rewards Premium CardNAB 0.50✘

Amex 1.50✘

Credit Card Star Ratings 2016 - Page 20Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $60,000 Annual Spend

���

Amex5514.99% -NilEssential Credit CardAmerican Express 0.75 0.75 0.75 0.75 0.75✔

Amex4420.74% -NilQantas Discovery CardAmerican Express 1.00✔

Amex4420.74% -249Qantas Premium CardAmerican Express 1.00✔

Amex4420.74% -450Qantas Ultimate CardAmerican Express 1.00✔

Visa5519.99% -425Frequent Flyer BlackANZ 0.75✔

Amex 1.50✔

Visa4418.79% -80RewardsANZ 0.38 0.25 0.25✔

Amex 0.75 0.50 0.50✔

Visa5518.74% -189Platinum Rewards Visa Credit CardBank Australia 1.00✔

Visa5519.49% -79Amplify ClassicBank of Melbourne 0.50 0.50 0.50✔

Visa5519.49% -99Amplify PlatinumBank of Melbourne 0.50 0.50 0.50✔

Visa5519.49% -99Amplify Platinum - Qantas Points OptionBank of Melbourne 0.50✔

Visa5519.49% -279Amplify SignatureBank of Melbourne 0.75 0.75 0.75✔

Visa5519.49% -279Amplify Signature - Qantas Points OptionBank of Melbourne 0.75✔

Credit Card Star Ratings 2016 - Page 21Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $60,000 Annual Spend

���

Visa5519.49% -79Amplify ClassicBankSA 0.50 0.50 0.50✔

Visa5519.49% -99Amplify PlatinumBankSA 0.50 0.50 0.50✔

Visa5519.49% -99Amplify Platinum - Qantas Points OptionBankSA 0.50✔

Visa5519.49% -279Amplify SignatureBankSA 0.75 0.75 0.75✔

Visa5519.49% -279Amplify Signature - Qantas Points OptionBankSA 0.75✔

MC5520.49% -160Qantas Platinum MasterCardBankwest 0.75✘

Visa5520.74% -199Platinum VisaBOQ 0.67✘

Visa5520.74% -700PrestigeCiti 1.00 1.00 1.00 1.00 1.00✔

Visa5520.99% -348Qantas SignatureCiti 1.00✘

Visa5520.99% -395Signature RewardsCiti 0.75 0.75✘

MC6219.99% -NilNo Annual Fee Platinum MasterCardColes 0.20✔

MC5520.24% -379Diamond Awards - Qantas Points OptionCommonwealth Bank 0.50✘

Amex 1.20✘

MC5520.24% -119Gold AwardsCommonwealth Bank 0.40✘

Amex 0.80✘

Credit Card Star Ratings 2016 - Page 22Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $60,000 Annual Spend

���

MC37Charge Card -260Frequent Flyer Dual CardDiners Club Australia 1.00✔

Diners 1.50✔

Diners44Charge Card -150Frequent Flyers Club CardDiners Club Australia 1.00✔

Visa5018.99% -249Platinum Visa Credit CardG&C Mutual Bank 1.00✔

Visa5519.99% 6000149Platinum Credit CardHSBC 0.50 0.50 0.50✔

Visa5519.99% -199Platinum Qantas Credit CardHSBC 1.00✔

Visa5520.70% -299Black Card - Qantas Points OptionMacquarie Bank 1.00✘

Visa5520.70% -249Platinum Card - Qantas Points OptionMacquarie Bank 1.00✘

Visa4419.99% -95flybuys Rewards CardNAB 0.40✘

MC4419.99% -95Qantas Rewards CardNAB 0.50✘

Amex 1.00✘

Visa4419.99% -95Velocity Rewards CardNAB 0.50✘

Amex 1.00✘

Visa5518.99% -195Visa Platinum Credit CardQantas Credit Union 1.00✔

Credit Card Star Ratings 2016 - Page 23Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $60,000 Annual Spend

���

Visa5519.49% -79Amplify ClassicSt.George Bank 0.50 0.50 0.50✔

Visa5519.49% -99Amplify PlatinumSt.George Bank 0.50 0.50 0.50✔

Visa5519.49% -99Amplify Platinum - Qantas Points OptionSt.George Bank 0.50✔

Visa5519.49% -279Amplify SignatureSt.George Bank 0.75 0.75 0.75✔

Visa5519.49% -279Amplify Signature - Qantas Points OptionSt.George Bank 0.75✔

Visa5520.74% -169Platinum CardSuncorp Bank 0.50 0.50✘

Visa4520.24% -100AltitudeWestpac 0.50 0.50 0.50 0.50✘

Amex 1.00 1.00 1.00 1.00✘

MC4520.24% -395Altitude Black - Qantas Points OptionWestpac 0.63✔

Amex 1.50✔

Visa4520.24% -150Altitude PlatinumWestpac 0.50 0.50 0.50 0.50✘

Amex 1.00 1.00 1.00 1.00✘

Visa4520.24% -150Altitude Platinum - Qantas Points OptionWestpac 0.50✘

Amex 1.00✘

Visa5520.49% -139Qantas Platinum Credit CardWoolworths 1.00✔

Credit Card Star Ratings 2016 - Page 24Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $60,000 Annual Spend

��

Visa4419.99% -95Frequent FlyerANZ 0.50✘

Amex 1.00✘

MC5520.24% -99Platinum MasterCardAuswide Bank 0.63 0.63 0.63 0.63✘

Visa5519.49% -79Amplify Classic - Qantas Points OptionBank of Melbourne 0.50✔

Visa5519.49% -79Amplify Classic - Qantas Points OptionBankSA 0.50✔

MC5520.49% -150Qantas Gold MasterCardBankwest 0.50✘

MC5520.99% -299Emirates World MasterCardCiti ✘

Visa5520.99% -249PlatinumCiti 0.50 0.50✘

MC629.99% -49Low Rate Platinum MasterCardColes 0.20✔

MC5520.24% -149Gold Awards - Qantas Points OptionCommonwealth Bank 0.40✘

Amex 0.80✘

MC5520.24% -279Platinum Awards - Qantas Points OptionCommonwealth Bank 0.40✘

Amex 1.00✘

MC5520.24% -59Standard AwardsCommonwealth Bank 0.40✘

Amex 0.60✘

MC5520.24% -99Platinum MasterCardCUA 0.63 0.63 0.63 0.63✘

Credit Card Star Ratings 2016 - Page 25Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $60,000 Annual Spend

��

Diners44Charge Card -212Personal CardDiners Club Australia 0.67 0.50✔

MC5520.24% -159Platinum MasterCardIMB 0.40 0.40 0.40✘

MC5514.99% -89MasterCard - Qantas Points OptionJetstar 0.50✘

MC5520.24% -159Platinum MasterCardMyState 0.40 0.40 0.40✘

MC5520.24% -159Platinum MyCardQT Mutual Bank 0.40 0.40 0.40✘

MC5520.24% -159Platinum MyCardQueenslanders CU 0.40 0.40 0.40✘

Visa5519.49% -79Amplify Classic - Qantas Points OptionSt.George Bank 0.50✔

Visa5520.74% -218Platinum Card - Qantas Points OptionSuncorp Bank 0.50✘

Visa4420.74% -129Virgin Aust Velocity Flyer CardVirgin Money 0.66✔

Visa4420.74% -289VirginAust Velocity High Flyer CardVirgin Money 1.00✔

Visa4520.24% -100Altitude - Qantas Points OptionWestpac 0.50✘

Amex 1.00✘

�

MC5520.49% -100Qantas Classic MasterCardBankwest 0.50✘

Visa5520.74% -749Prestige - Qantas Points OptionCiti 1.00✔

Credit Card Star Ratings 2016 - Page 26Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $60,000 Annual Spend

�

MC5520.24% -89Standard Awards - Qantas Points OptionCommonwealth Bank 0.40✘

Amex 0.60✘

Visa5520.70% -295Hilton HHonors Platinum CardMacquarie Bank 0.15 0.10 0.10 0.10✔

Credit Card Star Ratings 2016 - Page 27Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $120,000 Annual Spend

�����

Amex5520.74% -195Platinum Edge Credit CardAmerican Express 1.00 1.00 1.00 1.00 1.00✔

Amex4420.74% -349Velocity Platinum CardAmerican Express 1.00✔

Visa5518.79% -375Rewards BlackANZ 0.63 0.42 0.42✔

Amex 1.50 1.00 1.00✔

MC5520.24% -349Diamond AwardsCommonwealth Bank 0.63✘

Amex 1.50✘

MC44Charge Card -389Personal Dual CardDiners Club Australia 0.83 0.63✔

Diners 2.00 1.50✔

Visa4419.99% -150Velocity Rewards Premium CardNAB 0.50✘

Amex 1.50✘

MC4520.24% -395Altitude BlackWestpac 0.63 0.63 0.63 0.63✔

Amex 1.50 1.50 1.50 1.50✔

����

Credit Card Star Ratings 2016 - Page 28Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $120,000 Annual Spend

����

Amex4420.74% -99David Jones CardAmerican Express 0.50 0.50 0.50 0.50 0.50✔

Amex4420.74% -295David Jones Platinum CardAmerican Express 0.50 0.50 0.50 0.50 0.50✔

Amex4420.74% -295David Jones Platinum Card - Qantas Points OptionAmerican Express 0.75✔

Amex4420.74% -450Qantas Ultimate CardAmerican Express 1.00✔

Visa5519.99% -425Frequent Flyer BlackANZ 0.75✔

Amex 1.50✔

Visa5518.79% -95Rewards PlatinumANZ 0.50 0.33 0.33✔

Amex 1.00 0.67 0.67✔

Visa5520.74% -700PrestigeCiti 1.00 1.00 1.00 1.00 1.00✔

MC6219.99% -89Rewards MasterCardColes 0.80✔

Visa5520.70% -249Platinum Card - Qantas Points OptionMacquarie Bank 1.00✘

Visa4419.99% -250Qantas Rewards Premium CardNAB 0.50✘

Amex 1.50✘

MC4520.24% -395Altitude Black - Qantas Points OptionWestpac 0.63✔

Amex 1.50✔

Credit Card Star Ratings 2016 - Page 29Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $120,000 Annual Spend

���

Amex4420.74% -99David Jones Card - Qantas Points OptionAmerican Express 0.75✔

Amex5514.99% -NilEssential Credit CardAmerican Express 0.75 0.75 0.75 0.75 0.75✔

Amex4420.74% -NilQantas Discovery CardAmerican Express 1.00✔

Amex4420.74% -249Qantas Premium CardAmerican Express 1.00✔

Amex4420.74% -NilVelocity Escape CardAmerican Express 1.00✔

Visa5519.99% -295Frequent Flyer PlatinumANZ 0.50✘

Amex 1.50✘

Visa4418.79% -80RewardsANZ 0.38 0.25 0.25✔

Amex 0.75 0.50 0.50✔

Visa5518.74% -189Platinum Rewards Visa Credit CardBank Australia 1.00✔

Visa5519.49% -79Amplify ClassicBank of Melbourne 0.50 0.50 0.50✔

Visa5519.49% -99Amplify PlatinumBank of Melbourne 0.50 0.50 0.50✔

Visa5519.49% -99Amplify Platinum - Qantas Points OptionBank of Melbourne 0.50✔

Visa5519.49% -279Amplify SignatureBank of Melbourne 0.75 0.75 0.75✔

Visa5519.49% -279Amplify Signature - Qantas Points OptionBank of Melbourne 0.75✔

Credit Card Star Ratings 2016 - Page 30Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $120,000 Annual Spend

���

Visa5519.49% -79Amplify ClassicBankSA 0.50 0.50 0.50✔

Visa5519.49% -99Amplify PlatinumBankSA 0.50 0.50 0.50✔

Visa5519.49% -99Amplify Platinum - Qantas Points OptionBankSA 0.50✔

Visa5519.49% -279Amplify SignatureBankSA 0.75 0.75 0.75✔

Visa5519.49% -279Amplify Signature - Qantas Points OptionBankSA 0.75✔

MC5520.49% -160Qantas Platinum MasterCardBankwest 0.75✘

Visa5520.74% -199Platinum VisaBOQ 0.67✘

Visa5520.74% -749Prestige - Qantas Points OptionCiti 1.00✔

Visa5520.99% -348Qantas SignatureCiti 1.00✘

Visa5520.99% -395Signature RewardsCiti 0.75 0.75✘

MC6219.99% -NilNo Annual Fee Platinum MasterCardColes 0.20✔

MC5520.24% -379Diamond Awards - Qantas Points OptionCommonwealth Bank 0.50✘

Amex 1.20✘

MC5520.24% -249Platinum AwardsCommonwealth Bank 0.50✘

Amex 1.25✘

Credit Card Star Ratings 2016 - Page 31Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $120,000 Annual Spend

���

MC37Charge Card -260Frequent Flyer Dual CardDiners Club Australia 1.00✔

Diners 1.50✔

Diners44Charge Card -150Frequent Flyers Club CardDiners Club Australia 1.00✔

Visa5018.99% -249Platinum Visa Credit CardG&C Mutual Bank 1.00✔

Visa5519.99% 6000149Platinum Credit CardHSBC 0.50 0.50 0.50✔

Visa5519.99% -199Platinum Qantas Credit CardHSBC 1.00✔

MC5519.99% -149Platinum MasterCard - Qantas Points OptionJetstar 1.00✘

Visa5520.70% -299Black Card - Qantas Points OptionMacquarie Bank 1.00✘

Visa4419.99% -95flybuys Rewards CardNAB 0.40✘

MC4419.99% -95Qantas Rewards CardNAB 0.50✘

Amex 1.00✘

Visa4419.99% -95Velocity Rewards CardNAB 0.50✘

Amex 1.00✘

Visa5518.99% -195Visa Platinum Credit CardQantas Credit Union 1.00✔

Credit Card Star Ratings 2016 - Page 32Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $120,000 Annual Spend

���

Visa5519.49% -79Amplify ClassicSt.George Bank 0.50 0.50 0.50✔

Visa5519.49% -99Amplify PlatinumSt.George Bank 0.50 0.50 0.50✔

Visa5519.49% -99Amplify Platinum - Qantas Points OptionSt.George Bank 0.50✔

Visa5519.49% -279Amplify SignatureSt.George Bank 0.75 0.75 0.75✔

Visa5519.49% -279Amplify Signature - Qantas Points OptionSt.George Bank 0.75✔

Visa5520.74% -169Platinum CardSuncorp Bank 0.50 0.50✘

Visa5520.74% -218Platinum Card - Qantas Points OptionSuncorp Bank 0.50✘

Visa4420.74% -129Virgin Aust Velocity Flyer CardVirgin Money 0.66✔

Visa4420.74% -289VirginAust Velocity High Flyer CardVirgin Money 1.00✔

Visa4520.24% -150Altitude PlatinumWestpac 0.50 0.50 0.50 0.50✘

Amex 1.00 1.00 1.00 1.00✘

Visa5520.49% -139Qantas Platinum Credit CardWoolworths 1.00✔

��

Visa4419.99% -95Frequent FlyerANZ 0.50✘

Amex 1.00✘

Credit Card Star Ratings 2016 - Page 33Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $120,000 Annual Spend

��

MC5520.24% -99Platinum MasterCardAuswide Bank 0.63 0.63 0.63 0.63✘

Visa5519.49% -79Amplify Classic - Qantas Points OptionBank of Melbourne 0.50✔

Visa5519.49% -79Amplify Classic - Qantas Points OptionBankSA 0.50✔

MC5520.49% -100Qantas Classic MasterCardBankwest 0.50✘

MC5520.49% -150Qantas Gold MasterCardBankwest 0.50✘

MC5520.99% -299Emirates World MasterCardCiti ✘

Visa5520.99% -249PlatinumCiti 0.50 0.50✘

MC629.99% -49Low Rate Platinum MasterCardColes 0.20✔

MC5520.24% -119Gold AwardsCommonwealth Bank 0.40✘

Amex 0.80✘

MC5520.24% -149Gold Awards - Qantas Points OptionCommonwealth Bank 0.40✘

Amex 0.80✘

MC5520.24% -279Platinum Awards - Qantas Points OptionCommonwealth Bank 0.40✘

Amex 1.00✘

MC5520.24% -99Platinum MasterCardCUA 0.63 0.63 0.63 0.63✘

Diners44Charge Card -212Personal CardDiners Club Australia 0.67 0.50✔

Credit Card Star Ratings 2016 - Page 34Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $120,000 Annual Spend

��

MC5520.24% -159Platinum MasterCardIMB 0.40 0.40 0.40✘

MC5520.24% -159Platinum MasterCardMyState 0.40 0.40 0.40✘

MC5520.24% -159Platinum MyCardQT Mutual Bank 0.40 0.40 0.40✘

MC5520.24% -159Platinum MyCardQueenslanders CU 0.40 0.40 0.40✘

Visa5519.49% -79Amplify Classic - Qantas Points OptionSt.George Bank 0.50✔

Visa4520.24% -100AltitudeWestpac 0.50 0.50 0.50 0.50✘

Amex 1.00 1.00 1.00 1.00✘

Visa4520.24% -150Altitude Platinum - Qantas Points OptionWestpac 0.50✘

Amex 1.00✘

�

MC5520.24% -59Standard AwardsCommonwealth Bank 0.40✘

Amex 0.60✘

MC5520.24% -89Standard Awards - Qantas Points OptionCommonwealth Bank 0.40✘

Amex 0.60✘

MC5514.99% -89MasterCard - Qantas Points OptionJetstar 0.50✘

Credit Card Star Ratings 2016 - Page 35Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.

Annual

Fee ($)

Credit Cards Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.

This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

Company ProductPurchase

Rate p.a*

Spend To

Waive Fee

($)

Card

TypeNo Cap

Interest

Free Days

Effective Airline Earn Rates

Qantas Singapore Etihad MalaysiaVelocity Cathay

Frequent Flyer $120,000 Annual Spend

�

Visa5520.70% -295Hilton HHonors Platinum CardMacquarie Bank 0.15 0.10 0.10 0.10✔

Visa4520.24% -100Altitude - Qantas Points OptionWestpac 0.50✘

Amex 1.00✘

Credit Card Star Ratings 2016 - Page 36Report Date: April, 2016. (All information is correct as at April, 2016) *Rate as at 1st April, 2016.