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Low interest credit cards offer a reasonable way for some users of credit cards to reduce their potential for rising debt. While it is certainly not the best way to use credit cards, many people do use them as a line of credit rather than an alternative funding option. This will normally lead to the accumulation of interest, making low interest credit cards very handy.

See our Best Low Interest Credit Card.

If you don’t use your credit card on a frequent basis or repay your balance within the interest free period on purchases, then you are unlikely to benefit from low interest credit cards. Unfortunately, low interest credit cards charge fairly high annual fees for what you get, as the issuers need to cover some of the difference in what they could make from you with higher interest credit cards. If you rarely accumulate interest on your credit card purchases, then you will be better off with a credit card that focuses on a low annual fee or a rewards program as these will offer you better value.

For those who do find that interest is commonly charged on their purchases due to not being able to make full repayments, low interest credit cards can help substantially. It is important to work out how much interest you pay on average each year before deciding on low interest credit cards. This will allow you to decide whether the savings you make will be worth the higher annual fees. If you find you will make a saving, then you may want to consider one of our great low interest credit cards.

St. George Vertigo MasterCard

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		10.99%	0.00% for 6 months	55 days	$45	More Info

Aussie MasterCard

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		11.99%	0.00% for 6 months	55 days	$49	More Info

Citibank Clear Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		11.99%	0.00% for 6 months	55 days	$65	More Info

NAB Low Rate Visa Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		12.79%	0.00% for 6 months	55 days	$49	More Info

St. George Starts Low Stays Low Credit Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		12.99%	N/A	55 days	$59	More Info

Commonwealth Bank Low Rate Card

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		13.24%	5.99% for 5 months	55 days	$48	More Info

ANZ Balance Visa

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		13.99%	N/A	55 days	$57	More Info

St. George Gold Low Rate

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		14.25%	N/A	55 days	$79	More Info

St. George Platinum

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		14.25%	3.99% for 6 months	55 days	$89	More Info

St. George No Annual Fee

Card	Type	Purchase Rate	Balance Transfer	Purchase Interest Free	Annual Fee	Apply
		17.75%	N/A	N/A	$0	More Info