📋 你需要知道的
✅ 基本申请条件
- • 年满18岁
- • 需要澳洲地址（租房即可）
- • 需要澳洲收入来源
- • 护照 + 签证信息用于身份验证
- • 部分银行接受雇佣录用信
💡 新移民小贴士
- • 从低年费或免年费卡开始
- • 经常汇款回国的话，选0%外币交易费的卡
- • 初期保持较低信用额度
- • 每月全额还款，建立信用记录
- • 6-12个月后可以升级到积分卡
💳 推荐新移民信用卡
Zero Platinum Mastercard
Bankwest · Mastercard
🎁 0% p.a. on balance transfers for 28 months
Zero Mastercard
Bankwest · Mastercard
Low Rate Credit Card
ANZ · Visa
🎁 0% p.a. on purchases for 6 months
Low Rate Credit Card
CommBank · Mastercard
🎁 0% p.a. on balance transfers for 12 months
Low Rate Credit Card
Westpac · Visa
StraightUp Card
NAB · Visa
🎁 No interest ever
Breeze Classic Mastercard
Bankwest · Mastercard
Orange One Rewards Platinum
ING · Visa
Macquarie Green Credit Card
Macquarie · Visa
Up Credit
Up (Bendigo) · Mastercard
28° Global Platinum Mastercard
Latitude · Mastercard
Low Rate Platinum
ANZ · Visa
🎁 0% p.a. on purchases for 6 months
Low Rate Option
Westpac · Visa
🎁 0% p.a. on balance transfers for 24 months
NAB StraightUp Card (No Interest)
NAB · Visa
🎁 No interest ever — flat monthly fee
Citi Prestige Card
Citi · Visa
🎁 130,000 bonus Citi reward Points
Altitude Black
Westpac · Mastercard
🎁 100,000 bonus Altitude Points
Diamond Awards
CommBank · Mastercard
🎁 200,000 bonus Awards points
More World Mastercard
Bankwest · Mastercard
🎁 60,000 bonus Bankwest Points
Platinum Visa
Bank of China (Australia) · Visa
Platinum Credit Card
ICBC (Australia) · Visa
No Annual Fee Credit Card
Virgin Money · Visa
Low Rate Visa
Great Southern Bank · Visa
Low Rate Visa Credit Card
Heritage Bank · Visa
Neo Card (Low Interest)
CommBank · Mastercard
First
ANZ · Visa
🎁 0% on purchases for 6 months
Neo
CommBank · Mastercard
One Low Rate Mastercard
ING · Mastercard
🎁 0% on balance transfers for 15 months
Black Card
Macquarie · Visa
🎁 70,000 Qantas Points
Low Rate Mastercard
Latitude · Mastercard
Premier
Citi · Visa
🎁 100,000 Citi Points
Zero Cashback
Bankwest · Mastercard
StraightUp
NAB · Visa
🎁 No interest ever
No Annual Fee
Virgin Money · Visa
🎁 0% on purchases for 12 months
Low Rate Visa
People First Credit Union · Visa
Low Rate Visa
Teachers Mutual Bank · Visa
Low Rate Visa
Qudos Bank · Visa
Low Rate Visa
Credit Union SA · Visa
Low Rate Visa
Beyond Bank · Visa
28° Global Platinum
Latitude · Mastercard
🎁 No FX fees worldwide
Heroes Rate
Bankwest · Mastercard
Black
ANZ · Visa
🎁 120,000 ANZ Reward Points
Ultimate Awards
CommBank · Mastercard
🎁 130,000 Awards points
Low Fee Gold
CommBank · Mastercard
Low Rate Visa Gold
Great Southern Bank · Visa
Low Rate Visa
Newcastle Permanent · Visa
Low Rate Visa
Australian Unity · Visa
Low Rate Visa
ME Bank · Visa
No Fee Mastercard
ubank · Mastercard
Diamond Awards
CommBank · Mastercard
🎁 80,000 Awards points
Essential Credit Card
American Express · Amex
🎁 10,000 MR points
Dual Currency Platinum
Bank of China (Australia) · Visa
🎁 Dual AUD/CNY billing
Dual Currency Gold
ICBC (Australia) · Visa
🎁 AUD/CNY dual currency
Low Rate Visa
Gateway Bank · Visa
Low Rate Visa
Defence Bank · Visa
Low Rate Visa
Bank Australia · Visa
Low Fee
NAB · Visa
Low Rate Visa
Police Bank · Visa
Essential Low Rate
AMP · Visa
Low Rate Visa
Hume Bank · Visa
Low Rate Visa
Summerland Credit Union · Visa
Orange Card
Up (Bendigo) · Mastercard
常见问题
没有澳洲信用记录能申请信用卡吗？
可以。多家银行为新移民提供信用卡。你通常需要收入证明（工资单或雇佣合同）、有效签证和澳洲地址。ANZ、Bankwest和ING对新移民比较友好。
应该先办信用卡还是借记卡？
如果要建立信用记录，每月全额还款的信用卡更好。但如果担心超支，可以先用借记卡，安顿后再申请信用卡。
什么是外币交易费？为什么重要？
外币交易费（通常2-3%）在你用外币消费或在海外商家购物时收取。如果你还有海外订阅或经常汇款回国，0%外币交易费的卡能省不少钱。
在澳洲建立信用记录需要多久？
大多数贷方要求至少6-12个月的信用记录。按时还信用卡、使用率保持在30%以下、避免短期内多次申请。