Best Low Rate Cards
1
ANZ Low Rate Credit Card
- Take control of your finances by paying a low interest rate on your everyday purchase
- Competitive interest rate on purchases of 13.24% p.a.
- 21.49% p.a. on cash advances
- Up to 55 days interest free on purchases
2
Aussie MasterCard
- 12.99% p.a. on purchases
- 19.79% p.a. on cash advances
- Up to 55 days interest free credit on purchases
- 2.9% balance transfer rate for 6 months
- An annual credit card fee of only $49
3
Westpac Low Rate
- Enjoy zero to low balance transfer rates within the honeymoon period
- 3.99% balance transfer rate for 6 months
- Competitive interest rate on purchases of 13.24% p.a.
- 21.24% p.a. on cash advances
- Up to 55 days interest free on purchases
4
St George Vertigo Credit Card
- The comfortable way to tighten your belt
- Ongoing interest rate of 12.49% p.a.
- 2.99% p.a. on balance transfers for up to 6 months
- Up to 55 days interest free days on purchases
Visit St George for more details and full terms & conditions
5
Citibank Clear Platinum Credit Card
- 0% p.a. on balance transfers for the first 6 months
- Low ongoing interest rate of 11.49% p.a. on purchases
- Variable interest rate of 21.24% p.a. on cash advances
- Complimentary International Travel Insurance*
- Up to 55 days interest free on purchases
*Visit Citibank for more details and full terms & conditions
Best Balance Transfers Cards
1
HSBC Credit Card
- Balance Transfer offer of 0% for 6 months
- Ongoing interest rate of 16.99%
- Up to 55 days interest free on purchases
- $0 annual fee for the life of the card!
2
ANZ Frequent Flyer
- 2.9% BT rate for 12 months!
- Competitive variable interest rates
- Take advantage of 44 interest-free days on credit card purchases
- Earn Qantas Frequent Flyer points for travel rewards and special offers
- 19.49% p.a. purchase rate rate
3
Westpac Earth Credit Card
- Competitive variable interest rates
- Take advantage of more interest-free days on credit card purchases
- Earn Qantas Frequent Flyer points for travel rewards and special offers
- Up to 45 days interest free on purchases
- 19.64% p.a. purchase rate rate
- Highly secure credit card transactions
4
Aussie MasterCard
- 12.99% p.a. on purchases
- 19.79% p.a. on cash advances
- Up to 55 days interest free credit on purchases
- 2.9% on balance transfers for 6 months
- An annual credit card fee of only $49
5
ANZ Balance Visa Credit Card
- Be rewarded for reducing your balance!
- 0% balance transfer rate for 6 months
- Competitive interest rate on purchases of 13.74% p.a.
- 20.99% p.a. on cash advances
- Up to 55 days interest free on purchases
Low Interest Cards (Low APR)
low rate credit cards are best if you are looking to purchase items and only make the minimum repayment on the card. If you leave an outstanding balance that will incur interest each month, you want to ensure you have the lowest rate possible. Consider the difference between a card with 11% and 20% interest rates, with a $3000 outstanding balance, you will incur over $20 more interest per month on the high rate card. This is a popular option for people who will make regular repayments on a purchase, but can avoid applying for a personal loan often with a higher interest rate.
Reward Program Cards
Rewards are a great way to earn bonuses and get some money back from the banks. Usually rewards cards have higher interest rates, higher annual fees, or reward program fees. You should only opt for a rewards card if you plan to spend a lot of money on the card, but pay the balance to zero each month (before incurring interest). If you know you can pay off your balance each month, then a rewards card could be right for you.
Gold & Platinum Cards
The Gold and Platinum credit cards generally come with a few more expenses in terms of higher interest rate, annual fees and late payment fees but these cards are aimed at the high end user and give you not only status but preferential service with any card enquiry's you may have . Gold or platinum credit cards come with terrific products attached. In most cases you are entitled to travel insurance through the rewards program which also caters for frequent flyers and using your card at one of the program partners will result in you receiving even more reward points. You will have to visit our credit card comparison chart when searching for the best gold or platinum credit cards to find a full list of benefits associated with the different gold and platinum credit cards.
Interest Free Cards
Nearly all credit cards on the market have an up to 55 day interest free period attached to the card. This enables you to make credit purchases and dependent on when your statement is due, you will have up to 55 days to pay your account without having to pay any interest. This makes using your card a great alternative to carrying large amounts of cash when you go out shopping. However, you will be charged interest if you do not make your payment in full by the due date on your statement. Please note that the 55 day free interest term does not include any cash advances and that any cash advance made on your card will be charged interest from the day that you take out the cash advance.
Balance Transfer Cards
The competition amongst the banks to get your business has never been greater. With Australia's credit card debt average at $3000 per cardholder, it is little wonder the banks are offering incentives for you to transfer your account to them. Australian financial institutions offer you anywhere from a zero interest rate on your debt for the duration of you're your debt to a small credit charge for a 6 month period. For example, you could be paying off $100 per month on your card today with $80 being taken off the principal and $20 worth of interest, by transferring your debt to another financial institution you can pay the whole amount off your debt, there is no interest to pay.
No Annual Fee Cards
No Annual Fee credit cards are just your normal credit card that you can get without having to pay any annual fees. A no annual fee card is perfect for those who find they need a credit card only on rare occasions. A low interest No Annual Fee card can bail you out of a tight situation and with some companies charging anywhere from $25 to $150 for the privilege of having a card, a no annual fee card is a product that can be useful. Even if you already have one, a no annual fee credit card can sit in your wallet or purse and be used in case of an emergency. With no annual fee it's not going to cost you anything to have access to immediate funds should you need them.
About CreditCards.com.au
CreditCards.com.au is an Australian owned provider of information about Australian credit card products. We cover a wide range of credit card services provided by credit card companies through the banking and financial sector.
We provide up to date detailed information on over 130 different types of credit cards and card features to help you make an informed decisions about which credit card suits your needs best.
You will find card comparisons and online calculator tools that will show you the different advantages each credit card offers. Compare the savings that are possible for different types of credit cards offered throughout Australia.
Search and compare Visa Cards, Mastercard, American Express Cards and Diners Club Cards or even Visa and Mastercard Debit Cards.
Our comparison tools and charts compares the different interest rates, rewards points, interest free periods offered and also show any cheaper introductory interest rates that are available should you switch banking products.
We provide quick and easy access to an online credit card application when you find a product that suits your needs.
Find and compare credit cards at Australia's comprehensive resource centre for Australian credit card information.
Low Rate Credit Cards
You don't need to be an Aussie customer
Take control of your finances by paying a low interest rate on your everyday purchase
The ideal credit card for shopping
featured credit card issuer
Gold & Platinum Cards
Credit Card Issuers
Credit Cards Articles
Credit cards still high concern for Aussies
Inquiry into excess credit cards charges may lead to less fees
Credit cards interest rates predicted to rise
Australian Dollar Hits 23 Year High
A breakdown of credit cards reward programs
credit card articles
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