Credit Cards for Fair Credit

Do you have fair credit? Are you worried that you will not qualify for a credit card? Well, you can stop right there. It is easy to believe that there are no options if you currently have a fair credit rating. Fortunately for you, we are here to help. We can help you find and browse through the hundreds of credit cards that are designed for consumers like you, which have fair credit. The best thing about these credit cards is that they will provide you with a variety of benefits, which will help you improve your finances and best of all boost your credit rating. It can be a win-win situation. However, don't worry we will help you find the credit card that best suits your lifestyle. Our editors have compiled a list comparing the interest rates, fees, credit requirement and an overall review of the brand information. So let us help you secure the right credit card, at the right time.

  • Qantas Premier Everyday Credit Card

    • 20K: Bonus Qantas Points when spending $3,000 in 90 days from approval1
    • 0.75: Qantas Points per AU$1 on Domestic Spend (up to and including AU$3,000 per statement period)
    • $49: Annual fee
    • Complimentary Travel Insurance
    • 0% P.A.: For 9 months on purchases
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  • Qantas Premier Platinum Credit Card

    • Up to 100,000 Qantas Points
    • $149 annual fee for first year
    • Two complimentary lounge invitations per year
    • 0% p.a. Balance transfers for 18 months
    • Enjoy 6 months interest free on your first purchase of selected Qantas products and services, including Qantas flights, Qantas Gift Vouchers, Qantas Store and Qantas epiQure.
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  • Citi Rewards Platinum Credit Card - Exclusive Bonus Points Offer

    • 100,000 bonus reward Points when you spend $3,000 within 90 days.
    • Discounted annual fee of $49 in the first year.
    • Balance transfer offer of 0% p.a. for up to 15 months.
    • Complimentary travel and purchase insurance.
    • 24/7 personal concierge service. 
    • Citi Dining Program.
    • Samsung Pay.
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  • ME frank Credit Card

    • $0 annual fee.
    • The ME frank credit card has charges a competitive variable interest rate of 11.99% p.a. This rate applies to purchases, balance transfers and cash advances.
    • You can request to add up to 8 additional cardholders onto your account at no extra charge. You will still receive one statement for the account, and be responsible for all transactions and repayments.
    • When you shop online, in-store, or over the phone your transactions will be protected against fraud by Mastercard’s Zero Liability Policy. This policy covers you for fraudulent transactions as long as you exercise care when making purchases, keep your account in good standing, and notify ME of the loss, theft or unauthorised use of your card immediately.
    • This card allows you to temporarily lock your card through internet banking if you ever misplace it. When you find it again, you can unblock it.
    • Save time at the checkout by using your card to "tap and go" without the need for a PIN when you make purchases under $100.
    • Gain access to Mastercard's Priceless Cities perks and exclusive experiences.
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  • Citi Rewards Platinum Credit Card - Exclusive Offer

    • Exclusive purchase rate offer. Save on credit card costs with 0% p.a. interest for 13 months on purchases when you apply through finder.com.au by 31 March 2019. Rate reverts to 20.99% p.a. thereafter.
    • Exclusive balance transfer offer. Take advantage of 0% p.a. interest for 13 months on balance transfers, with no balance transfer fee. At the end of the 13-month introductory period, any unpaid balance will be charged interest at the cash advance rate, currently 21.74% p.a. This offer is only available through Finder until 31 March 2019.
    • Annual fee discount. Save with a discounted annual fee of $49 for the first year ($149 p.a. applies thereafter).
    • Linked Diners Club Card. Citi Rewards Platinum cardholders can also apply for a Linked Diners Club Card (LDCC) to take advantage of higher points earn rates. If you apply for a LDCC, you will earn 2 points per dollar spent on eligible transactions, uncapped. Please note that separate Diners Club eligibility requirements and rewards terms and conditions apply to this card.
    • Foreign transaction fees. If you use your Linked Diners Club Card to make a transaction in an overseas currency, the foreign transaction fee will be waived. If you use your Citi Rewards Platinum card to make a foreign transaction, the standard 3.4% fee will apply.
    • Citi reward Points. This card earns 1 Citi reward Point per dollar spent on eligible domestic and international spend. There is a domestic spend cap of $10,000 per statement period, but no cap for eligible international spend. These points can then be redeemed for a wide range of rewards through the Citi Rewards Program, including travel, merchandise, cashback and frequent flyer points.
    • Transfer personal loan debt. Citi is one of the few providers that allow you to transfer the balance of a personal loan to a credit card. Line of credit accounts can also be included in a balance transfer to the Citi Rewards Platinum Credit Card.
    • Complimentary travel insurance. Purchase your overseas travel tickets with this card and you and your family can be covered for medical expenses, trip cancellation due to unexpected circumstances, loss or theft of personal items and more.
    • Other complimentary insurances. This card also gives you access to purchase protection insurance that protects you against loss, theft or damage to a covered item purchased with the card. You'll also get an extended warranty cover for eligible items and a guaranteed pricing scheme that refunds the difference in price if you use the Citi Rewards Platinum Credit Card to purchase an eligible item and you see it on sale for less somewhere else.
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  • Citi Simplicity Card

    • $0 annual fee. You won’t pay an annual fee for the life of the card and you can add up to 4 additional cardholders at no cost.
    • Balance transfer offer. You can consolidate your debt with this card's 0% p.a. for 6 months balance transfer offer with no balance transfer fee. After the promotional period, any remaining balances will be charged interest at the cash advance rate. You can transfer up to 80% of your approved credit limit from credit cards, store cards or personal loan debt not issued by Citi.
    • Citibank Dining Program. Dine at an eligible restaurant participating in the Citibank Dining Program and you could receive a free bottle of wine, as long as you use your Citi card to pay for the meal. Based on the assumption that you claim six free wines per year, you could save up to $210.
    • Complimentary purchase cover insurance. This applies to eligible products for 90 days after the date of purchase. This covers products that were purchased anywhere in Australia, including gifts that were given to an Australian permanent resident. This has an estimated savings value of $21 and is complimentary with this card.
    • Complimentary extended warranty insurance. This type of cover extends the original manufacturer's warranty on personal goods that were purchased with the card. The extension applies when the original warranty comes to an end. Please note an excess of $100 applies if you decide to make a claim. This has an estimated savings value of $100 and is an extra bonus with this card.
    • Complimentary transit accident insurance. Purchase your travel tickets with your Citi Simplicity card and you and your family will receive up to $500,000 in coverage if you were to sustain a fatal injury as a passenger whilst travelling.
    • Guaranteed pricing scheme. Should you ever find the same product that has a price difference of more than AUD$75, you may be covered for the price difference up to AUD $500. Please note that both products need to have the same model number, produced in the same year and by the same manufacturer. For a full list of conditions, please refer to the Product Disclosure Statement.
    • Mobile payment technology. Enjoy the convenience of making contactless payments when you shop with Samsung Pay or Apple Pay.
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  • ING Orange One Credit Card

    • No annual fee. This card offers an ongoing $0 annual fee.
    • Currency conversion fee rebate. When you use your card overseas or to make a transaction in a foreign currency online, a foreign transaction fee of 2.5% will apply. However, you can take advantage of the foreign currency conversion fee rebate when you deposit at least $1,000 from an external bank account to any personal ING account under your name (excluding Living Super and Orange One) and make at least 5 eligible purchases using your ING debit or credit card in the previous month.
    • Instalment plans. Pay off a large purchase or group of purchases over a time frame of your choosing with an instalment plan. This means you’ll pay a fixed amount off the balance each statement and pay a variable rate of 9.99% p.a. on the instalment plan balance.
    • Interest-free days. Enjoy up to 45 days interest-free on purchases when you pay the “Amount Due” on each statement by the due date listed. The “Amount Due” is your full balance, minus any amount owing under Instalment Plans that is not due and payable for that statement period.
    • Mobile payments. The Orange One credit card is compatible with Apple Pay allowing you to use your iPhone to make contactless payments at the checkout.
    • ATM fee rebate. While credit cards are not designed to be used for ATM withdrawals, if you do need to make this type of transaction, the $2.50 ATM fee will rebated both in Australia and overseas when you meet the conditions. You must deposit at least $1,000 from an external bank account, such as your salary, to any personal ING account under your name (excluding Living Super and Orange One) and make at least 5 eligible purchases using your ING debit or credit card in the previous month. Note that the cash advance fee will still be charged where applicable.
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  • ING Orange One Platinum Credit Card

    • Cashback. You’ll earn 1% cashback on all eligible spend up to $30 each month.
    • Foreign currency conversion fee rebate. You don't have to worry about the 2.5% international transaction fee when you shop online or overseas with this card. You just need to deposit $1,000 into your ING account (excluding Living Super and Orange One) and make at least five eligible transactions in the previous calendar month to receive a 100% foreign currency conversion fee rebate.
    • Complimentary insurance. You can save and travel with peace of mind thanks to complimentary international travel insurance issued by Allianz Global Assistance.
    • Instalment plans. If you have a big ticket purchase coming up and you want to reduce your costs, you can use an instalment plan to pay it off at a lower interest rate of 9.99% p.a. over time.
    • Interest-free days. If you pay your balance in full by the end of the statement period, you can get up to 45 interest-free days on purchases.
    • Digital wallets. You can tap and pay with your phone if you link your card to Apple Pay.
    • ATM fee rebate. 
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  • Virgin Money Low Rate Credit Card

    • Balance transfer. Apply by 30 April 2019 to enjoy 0% p.a. for 14 months on balance transfers. Rate will revert to the variable cash advance rate of 21.69% p.a. for any remaining balance after the promotional period.
    • Half the annual fee. Take advantage of an ongoing annual fee discount, making the annual fee $49 (an annual saving of $50).
    • Cashback. Get 10% cashback (capped at $100) when you make an eligible purchase for the first 3 months from card approval.
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  • American Express Velocity Escape Card

    • $0 annual fee and no points cap. The Velocity Escape features two ideal terms for frequent flyer credit cards: no annual fee for life and uncapped points.
    • Earn Velocity Points. Earn 0.75 Velocity Point per $1 spent on everyday purchases, and 0.5 points per $1 spent with government bodies. Until 14 April 2019, earn an additional 0.25 additional Velocity Points per $1 spent, except for spend at government bodies in Australia. You will earn 1 additional Velocity Point per $1 spent on purchases with Virgin Australia. 
    • 0% p.a. balance transfer offer. Save money on existing card debt and pay it down faster with a 0% p.a. balance transfer rate for the first 12 months. This reverts to the ongoing purchase rate of 20.74% p.a. at the end of the introductory period. A one-off credit plan establishment fee of 1% also applies to any balances transferred.
    • $0 additional cards. You can share your account with someone and earn more Velocity Points by requesting an additional card for them at no extra cost.
    • Complimentary insurance for purchases. Eligible items bought with this card get Purchase Protection Insurance for repairs or refunds if they’re accidentally broken or stolen within 90 days. You can also take advantage of Refund Protection Insurance if you're refused a refund on an unused eligible item within 90 days of the purchase.
    • Mobile payments. If you have a compatible device, you can use the American Express Velocity Escape to make mobile payments via Google Pay, Apple Pay or Samsung Pay.
    • Security. Get 24-hour support for lost or stolen cards by calling Amex on 1300 363 687 in Australia or by contacting the nearest American Express Travel Service or office overseas. Once you have notified Amex, you are not liable for any unauthorised charges. This card also offers online fraud protection for unauthorised charges made without your knowledge while shopping online.
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Transaction Fees

Annual Fee: You may find some credit card options which charge yearly fees, but not all of them do. The types of credit cards which typically have yearly fees include premium credit cards, subprime credit cards, and secured credit cards. The fee amount charged per year will vary. Some fees start at $0 and go up to $500. It all depends on which type of credit card you apply for.

Regular Purchase APR: When you make a standard purchase with your credit card, the amount charged gets added to your revolving debt balance. On top of that, there is a certain amount of interest which gets added to this balance too. This interest is called the annual percentage rate, or APR. Your credit rating greatly influences your APR, which is why the percentage fluctuates regularly. People with perfect credit may only have to pay 10% APR while people with terrible credit pay up to 35% APR. For this reason, it is important to review all the terms and conditions on your credit card application prior to signing it. Make sure you know the true APR after the initial trial period expires. Sometimes these credit card companies will try to lure you in with 0% APR for 12 months, but they won’t tell you what the APR is after those 12 months. You must look for it in the fine print.

Intro Purchase APR: When you see a credit card plan which offers an introductory purchase APR of 0%, this doesn’t necessarily mean it’s a trick. Sometimes you’ll find some good low-interest credit card plans which charge 0% APR for the first 6 months, 12 months, or sometimes even longer. This means that all your credit card purchases within this time period won’t have interest charges added onto the debt balance. However, once the introductory period expires, the standard purchase APR will then apply. Again, check the terms and conditions to see what this APR is.

Balance Transfer Fee: If you owe money on multiple loans or credit cards, you can clear this debt by moving it to another credit card which has more available credit. This is basically a way to consolidate your debt so that you only owe money on one account instead of several accounts. However, whenever you transfer your debt balances to another account, you must pay a balance transfer fee of anywhere between 3% and 5% of the total transferred debt amount. For instance, if you owe a total of $10,000 on all your loan and credit card accounts, a 5% balance transfer fee on this amount would cost you $500.

Regular Balance Transfer APR: Sometimes a credit card company will offer a regular balance transfer APR to new credit card account holders instead of a balance transfer fee. This balance transfer APR is usually a generous deal which ranges from 0% to a very low APR. However, this low balance transfer APR is only available for a limited introductory time period. This could last for 6 months, 12 months, or longer. Once the introductory period is over, the normal rates apply.

Cash Advance Fee: If you want to take out a cash advance on your credit card, you will either be charged 3% to 5% on the transaction amount or a fixed fee of between $5 and $15 per transaction. The greater amount of the two is the one you will pay. For instance, if you take a $200 cash advance on a credit card which charges a cash advance fee of 10% or $5, you will end up paying 10% because that is the greater amount. In this case, the cash advance fee is $40.

Credit Terms

TheCreditWiki, can make searching for the best card far easier, especially when you need to consider several factors. You may not be aware, but there are a few cards that have APR rates that you will need to review before signing the contract with the bank or lender. You will also need to consider financing costs, and anticipate what you are going to need the card for, is it going to be a single one-off purchase, or do you want to carry a monthly balance? Understanding the potential financial implications is crucial, for example, if you don't make your required monthly or bulk payment by the agreed date, then your financing costs will increase. If this happens, you will incur several costs – such as paying the full current balance, and fees to the credit card issuer/bank. Another important factor is interest fees. Please be aware that they can fluctuate; they can shift from as low as 0% to as high as 35%. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions. TheCreditWiki strive to provide our customers with the most current, and up-to-date information, regarding rates, benefits and many more. Please do remember that the credit card offers that we have listed, are displayed without guarantee. If you want to affirm the terms and conditions, click on "Apply Now." You will be able to learn more about the full credit card offer, on a secured page that will be supplied by the card issuer(s). You will see the list of the best credit cards options currently available on the market listed below. We have provided you with all the relevant information about each provider to ensure that you will make an informed and confident decision.

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When searching for the best credit card TheCreditWiki can help you to make the best decision based on your lifestyle and financial history. TheCreditWiki is a free service and promotes bolstered credit examination, through a comparison entity. The offers that you will see on thecreditwiki.com are from organizations, which thecreditwiki.com will receive remuneration.

About our Ratings

Our reimbursement sometimes impacts the surveys, but it is only the order that the classifications appear in, and nothing else. They will appear on our featured pages, but you can still opt to use the best option for you, and we strive to provide this regardless of the compensation that we may receive.
Please be aware, that this may affect the order in which these credit offers appear. Also, thecreditwiki.com does consider the restrictive guidelines of each lender, and the probability of the consumers' credit history. They will take this information into account, and will decide how, and when the credit cards offer will appear on the site.

General Disclaimer

We advise you to review your credit card application for specific references of the terms and conditions. We will always endeavor to provide the most relevant and up-to-date information. However, please be aware that all credit card offered displayed are not guaranteed. If you wish to confirm the full terms & conditions, please click on the "Apply Now" link. If you select the link, it will open a secure page provided by the card issuer(s) which will explain your credit card offer in more detail.

Our Editors

Here at TheCreditWiki, we have a team of editors who supply unbiased ratings of various credit card offers. The components used to rate the offers accordingly are; offer purchasers, expenses, financing costs & which credit card the application is related too. Please be aware that all of the evaluations are completed using a master supposition from our editors. Our editors are not affected by any compensation that our receives from the credit card issuer.