The HSBC Classic is really only 'classic' in the sense of a good joke. As in, 'Remember how funny that HSBC credit card was with its ridiculous interest rate and poor features? That was classic'.

The Suncorp Platinum is an improvement on the Gold, but mostly due to the improved Qantas Frequent Flyer earn rate. For this interest rate and annual fee, there are far better reward programs.

The HSBC Platinum Visa may not be the most impressive platinum, but it offers good value with a range of included insurance and below average annual fee and interest rate.

The Westpac Low Rate may be one of the better Big Four credit cards, but it still lags distantly behind the Bankwest Lite MasterCard and other less expensive cards from small banks and credit unions.

The Bendigo Red is a big let-down after the Basic Black. The interest free period is too short, the interest rate too high and the rewards program is laughable. Don't bother.

The GE Money Low Rate MasterCard is quite cheap with a good interest free period and moderate annual fee, but the rate is too high for it to compete against other no-frills cards.

The Bankwest Zero MasterCard is the first viable $0 annual fee card we've reviewed. The interest free period is generous and the rate isn't over-compensated.

Our mums taught us if we didn't have anything nice to say we shouldn't say anything at all, but our editor didn't like it when we submitted a blank piece of paper.

The CPS Silver Low Rate MasterCard is cheap...as long as you're on your best behaviour. The punitive exception fee structure and expensive foreign transactions may be a deterrent for some.

The Suncorp Plus Card is bad: high interest, vague or absent terms and conditions, poor rewards program. No wonder Suncorp hide the detailed information on fees, rewards and included insurance policies.

The HSBC Gold Visa is a great mid-range card with a low annual fee and a good range of features. However, consumers looking for a balance transfer deal should look elsewhere.

The NAB Qantas Platinum is a nice improvement over the Gold, offering some unique and impressive travel features such as hotel burglary insurance and flight inconvenience insurance.

While the absence of travel inconvenience cover and the short interest free period are disappointing, this is still a great travel card. Still, for most people, the Gold will offer better value.

The Suncorp Standard has a good annual fee and looks great at first glance...until you calculate the impact of not having an interest free period.

Most cards now offer a balance transfer deal to entice customers to switch from other cards, but are they a good idea, or are the long term costs too great?

The Westpac Earth Gold comes with travel insurance, which means that unlike the standard Earth, Westpac can call it a travel credit card and keep a straight face.

You'll need to be a savant to keep track of how many reward points you're earning, but the NAB Qantas Gold is a solid mid-range Frequent Flyer card.

The Westpac 55 Day is a OK entry level card with a long interest free period and low annual fee, but it's let down by a disproportionate interest rate.

The range of features offered on the Westpac No Annual fee could be written on the back of said card...in very large writing.

The Westpac Altitude Gold comes close to being the ideal travel credit card, with travel insurance, transit accident cover, dual cards and a great flights-based rewards program.

The NAB Velocity Gold comes close to being the ideal travel credit card and seems to be much better value than the NAB Velocity.

While Westpac do their best to convince you otherwise, the Westpac Earth has nothing to do with environmentalism, but it's still an OK mid-range card.

The NAB Low Rate Visa is a solid contender for the title of cheapest card and is the only sub-eleven-percent card offered by one of the big four.

In many ways, the Westpac Singapore Airlines Gold is better value than the Platinum. It offers similar features for half the annual fee.

The Westpac Singapore Airlines Platinum is a good card, but not brilliant. It offers a great rewards program, but you'll pay for it in the long run.

The Woolworths Everyday Money Credit Card is just like every other card from a major retail chain - average features, high interest rate, narrow rewards program.

The St George Platinum offers all the platinum features for the price and interest rate of a no-frills card.

If you’re considering buying a new Holden, Saab or Hummer in the next few years, the GM Holden MasterCard could save you thousands.

The Westpac Altitude offers an impressive earn rate toward a great rewards program, which was awarded second place in the Money Magazine Bank Best Reward Credit Card category.

The Commonwealth Student Card is a good card, but the credit limit is too low and it doesn't include any travel features.

The NAB Velocity is buoyed by its rewards program, but most customers will prefer the NAB Velocity Gold's richer feature set for only a modest increase in price.

If you're looking for a balance transfer deal, look no further than the St George Vertigo MasterCard, which won Money Magazine's Best Balance Transfer for 2009.

The NAB Visa Mini is a good card with a solid range of features and a good cash back offer, but you'll probably find yourself using the normal-sized companion card more often.

The GE Money Eco MasterCard is something special - it offers an innovative rewards program that helps offset greenhouse gas emissions.

The Commonwealth Platinum is a solid competitor in the high-end market. It might lack the flair of the AMEX range, but it makes up for it with a broad range of features.

It's a pity the Commonwealth Low Fee Credit Card has a high interest rate. Anyone willing to pay 19.99% wants more features than this card offers, and anyone looking for a feature-less card wants a lower interest rate.

The Commonwealth Gold Awards is a solid card with a surprising range of features. It will mostly appeal to families, but travellers may get value from the included international travel insurance.

The Commonwealth Bank Awards is a good mid-range card with a low annual fee and a cash back rewards option. As long as you intend to spend $228 a week or more on the Amex or $342 or more on the Mastercard, the annual fee will pay for itself.

The Aussie MasterCard is one of the cheapest credit cards we've found. If you're paying more than 12.99% interest, you are now officially paying too much.

The Citibusiness Gold is a solid card with an above-average rewards program that's sure to be popular with many small business owners.

The BP Citibank MasterCard is a one-trick pony. The fuel offer is great, but its other features mean that's really all it's good for. If you use a lot of fuel, you should get one and use it to complement a more practical credit card for your general purchases.

The Citibank Silver is a card with an identity crisis. It has the annual fee of an entry level card, the interest rate of a platinum and the features of a mid-range card. Sadly, there are more targeted options which will better suit most consumers.

The Citibank Clear Platinum is a very good mid-range card, offering some great services for a very low price. Just make sure you never accidently get cash out.

The Citibank Gold is a good mid-range card offering a broad set of features and services. However, the annual fee and interest rate are correspondingly high.

The Emirates Citi Platinum offers the greatest range of services we've seen in a credit card. It's not for everyone - there are lower interest rates and annual fees, but if you're in the market for a platinum or a great balance transfer deal, this one's hard to beat

The Citibank Platinum is a card that offers all the features you'd expect from a platinum card - and you pay for them. Worth it if you're after a balance transfer deal, or if you're one of those people who pay off their balance in full each month and never use the card for cash advances.

A great card for travellers, those looking for the peace of mind of purchase security and extended warranty protection or anyone who wants all the benefits of a gold card without a rewards program.

The ANZ Low Rate Mastercard is a great card for students, young people getting their first credit card or anyone looking for a great balance transfer deal.

ANZ Balance Visa is a good all-round card, offering a unique cashback rewards program and a low interest rate on purchases. Like many cards, the cash rate is high, but the card generally stacks up very well against its competition.

Our team exposes some of the credit card tricks used by financial institutions, including all those hidden fees, balance transfers and tricky ways to calculate interest.