HSBC

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Purchase Rate
Balance Transfer
Annual Fee
Purchase Rate 13.25% p.a.
Balance Transfer 0% p.a. for 20 months

reverts to 21.99% p.a.
2% balance transfer fee applies

Annual Fee $79 p.a.
0% p.a. balance transfer for 20 months (reverts to variable cash advance rate) with 2% BT fee.
Purchase Rate 19.99% p.a.
Balance Transfer 0% p.a. for 22 months

reverts to 21.99% p.a.
2% balance transfer fee applies

Annual Fee $0 p.a. for 12 months

reverts to $129 p.a.

Offers a 0% p.a. for 22 months balance transfer, $0 annual fee for the first year and an annual fee refund each year when you spend $6,000.
Purchase Rate 19.99% p.a.
Balance Transfer 0% p.a. for 12 months

reverts to 21.99% p.a.

Annual Fee $199 p.a.
Bonus 60,000 Qantas Points when you apply, are approved and spend $3,000 on eligible purchases with your credit card within 3 months of account opening. Plus 0% p.a. Balance Transfer for 12 months from non-HSBC credit cards on application.