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Pay NO annual fee for the first year
Save with 0% p.a. for 3 months on purchases and balance transfers
Offer ends 30 June 2011

Bank Of Queensland
Low Rate

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Popular credit cards Search all credit cards | updated 23/06/11

top picks
low rate
balance transfer
intro rate
low annual fee
rewards
gold
platinum

	Interest rate	Annual fee	Balance transfer rate		Key features
Bankwest Lite	10.75%	$59.00	5.99% for 12 months	see more details	Apply by 30 June to receive 1% cashback on all purchases until 31 August 2011	Like this card? Go to site
ME Bank MasterCard	12.25%	$39.00		see more details	No charge for up to 8 additional card holders. Low annual rate of $39.	Like this card? Go to site
Bank of Queensland Low Rate	13.49%	$55.00	0.00% for 3 months	see more details	0% p.a. for 3 months on purchases. No annual fee for the first year.	Like this card? Go to site
NAB Low Rate	13.49%	$59.00	0.99% for 6 months	see more details	0.99% p.a. on balance transfers for up to 6 months if apply by 31 August.	Like this card? Go to site
ANZ Low Rate	13.49%	$58.00	2.90% for 12 months	see more details	2.9% Balance Transfer for 12 months	Like this card? Go to site

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Bankwest

Lite
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Interest rate	Annual fee	Balance transfer rate	Key features
10.75%	$59.00	5.99% for 12 months	Apply by 30 June to receive 1% cashback on all purchases until 31 August 2011

Interest free days: 5.99% for 12 months
Rewards description: 55

Interest rate on cash withdrawals
Fee for cash withdrawals: 21.99%

product info

ME Bank

MasterCard
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Interest rate	Annual fee	Balance transfer rate	Key features
12.25%	$39.00		No charge for up to 8 additional card holders. Low annual rate of $39.

Interest free days
Rewards description: 44

Interest rate on cash withdrawals
Fee for cash withdrawals: 12.25%

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Bank of Queensland

Low Rate
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Interest rate	Annual fee	Balance transfer rate	Key features
13.49%	$55.00	0.00% for 3 months	0% p.a. for 3 months on purchases. No annual fee for the first year.

Interest free days: 0.00% for 3 months
Rewards description: 55

Interest rate on cash withdrawals
Fee for cash withdrawals: 21.49%

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NAB

Low Rate
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Interest rate	Annual fee	Balance transfer rate	Key features
13.49%	$59.00	0.99% for 6 months	0.99% p.a. on balance transfers for up to 6 months if apply by 31 August.

Interest free days
Rewards description: 55

Interest rate on cash withdrawals
Fee for cash withdrawals: 21.74%

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ANZ

Low Rate
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Interest rate	Annual fee	Balance transfer rate	Key features
13.49%	$58.00	2.90% for 12 months	2.9% Balance Transfer for 12 months

Interest free days
Rewards description: 55

Interest rate on cash withdrawals
Fee for cash withdrawals: 21.74%

	Interest rate	Balance transfer rate	Annual fee		Key features
Bankwest Lite	10.75%	5.99% for 12 months	$59.00	see more details	Apply by 30 June to receive 1% cashback on all purchases until 31 August 2011	Like this card? Go to site
Citibank Clear Platinum	11.99%	0.00% for 6 months and then 21.74%	$99.00	see more details	Pay no interest for 6 months - 0% on purchases and balance transfers	Like this card? Go to site
ME Bank MasterCard	12.25%		$39.00	see more details	No charge for up to 8 additional card holders. Low annual rate of $39.	Like this card? Go to site
Aussie Aussie MasterCard	13.29%	2.99% for 12 months	$49.00	see more details	2.99%p.a. on balance transfers for the first 12 months	Like this card? Go to site
Bank of Queensland Low Rate	13.49%	0.00% for 3 months	$55.00	see more details	0% p.a. for 3 months on purchases. No annual fee for the first year.	Like this card? Go to site
NAB Low Rate	13.49%	0.99% for 6 months	$59.00	see more details	0.99% p.a. on balance transfers for up to 6 months if apply by 31 August.	Like this card? Go to site
Westpac Low Rate	13.49%	3.99% for 6 months	$45.00	see more details	Get a 60 second online response	Like this card? Go to site
ANZ Low Rate	13.49%	2.90% for 12 months	$58.00	see more details	2.9% Balance Transfer for 12 months	Like this card? Go to site

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Bankwest

Lite
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Interest rate	Balance transfer rate	Annual fee	Key features
10.75%	5.99% for 12 months	$59.00	Apply by 30 June to receive 1% cashback on all purchases until 31 August 2011

Introductory interest rate: 5.99% for 12 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.99%
Fee for cash withdrawals: 2%, min $4.00

product info

Citibank

Clear Platinum
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Interest rate	Balance transfer rate	Annual fee	Key features
11.99%	0.00% for 6 months and then 21.74%	$99.00	Pay no interest for 6 months - 0% on purchases and balance transfers

Introductory interest rate: 0.00% for 6 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2.70%, min $2.70

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ME Bank

MasterCard
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Interest rate	Balance transfer rate	Annual fee	Key features
12.25%		$39.00	No charge for up to 8 additional card holders. Low annual rate of $39.

Introductory interest rate
Interest free days: 44
Rewards description

Interest rate on cash withdrawals: 12.25%
Fee for cash withdrawals: $1.25

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Aussie

Aussie MasterCard
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Interest rate	Balance transfer rate	Annual fee	Key features
13.29%	2.99% for 12 months	$49.00	2.99%p.a. on balance transfers for the first 12 months

Introductory interest rate: 9.99% for 12 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 19.99%
Fee for cash withdrawals: 2%, min $4

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Bank of Queensland

Low Rate
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Interest rate	Balance transfer rate	Annual fee	Key features
13.49%	0.00% for 3 months	$55.00	0% p.a. for 3 months on purchases. No annual fee for the first year.

Introductory interest rate: 0.00% for 3 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min of $2, max $30

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NAB

Low Rate
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Interest rate	Balance transfer rate	Annual fee	Key features
13.49%	0.99% for 6 months	$59.00	0.99% p.a. on balance transfers for up to 6 months if apply by 31 August.

Introductory interest rate
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 1.75%, min $1.75

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Westpac

Low Rate
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Interest rate	Balance transfer rate	Annual fee	Key features
13.49%	3.99% for 6 months	$45.00	Get a 60 second online response

Introductory interest rate
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

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ANZ

Low Rate
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Interest rate	Balance transfer rate	Annual fee	Key features
13.49%	2.90% for 12 months	$58.00	2.9% Balance Transfer for 12 months

Introductory interest rate
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2%

	Balance transfer rate	Interest rate	Annual fees		Key features
Citibank Clear Platinum	0.00% for 6 months and then 21.74%	11.99%	$99 $49 in the first 1 year	see more details	Pay no interest for 6 months - 0% on purchases and balance transfers	Like this card? Go to site
Bank of Queensland Low Rate	0.00% for 3 months	13.49%	$55 $0 in the first 1 year	see more details	0% p.a. for 3 months on purchases. No annual fee for the first year.	Like this card? Go to site
NAB Low Rate	0.99% for 6 months	13.49%	$59	see more details	0.99% p.a. on balance transfers for up to 6 months if apply by 31 August.	Like this card? Go to site
Westpac Earth	0.99% for 6 months	19.99%	$75	see more details	Complimentary Qantas Frequent Flyer membership for approved applications	Like this card? Go to site
Citibank Gold	1.90% for 15 months and then 21.74%	20.99%	$149	see more details	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.	Like this card? Go to site
ANZ Low Rate	2.90% for 12 months	13.49%	$58	see more details	2.9% Balance Transfer for 12 months	Like this card? Go to site
Aussie Aussie MasterCard	2.99% for 12 months	13.29%	$49	see more details	2.99%p.a. on balance transfers for the first 12 months	Like this card? Go to site
Westpac 55 Day MasterCard or Visa	3.99% for 6 months	19.59%	$30 $0 in the first 1 year	see more details	$0 annual fee in your first year. 0% p.a. on purchases for your first 5 months.	Like this card? Go to site
Westpac Low Rate	3.99% for 6 months	13.49%	$45	see more details	Get a 60 second online response	Like this card? Go to site
Bankwest Lite	5.99% for 12 months	10.75%	$59	see more details	Apply by 30 June to receive 1% cashback on all purchases until 31 August 2011	Like this card? Go to site

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Citibank

Clear Platinum
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Balance transfer rate	Interest rate	Annual fees	Key features
0.00% for 6 months and then 21.74%	11.99%	$99 $49 in the first 1 year	Pay no interest for 6 months - 0% on purchases and balance transfers

Introductory interest rate: 0.00% for 6 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2.70%, min $2.70

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Bank of Queensland

Low Rate
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Balance transfer rate	Interest rate	Annual fees	Key features
0.00% for 3 months	13.49%	$55 $0 in the first 1 year	0% p.a. for 3 months on purchases. No annual fee for the first year.

Introductory interest rate: 0.00% for 3 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min of $2, max $30

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NAB

Low Rate
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Balance transfer rate	Interest rate	Annual fees	Key features
0.99% for 6 months	13.49%	$59	0.99% p.a. on balance transfers for up to 6 months if apply by 31 August.

Introductory interest rate
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 1.75%, min $1.75

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Westpac

Earth
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Balance transfer rate	Interest rate	Annual fees	Key features
0.99% for 6 months	19.99%	$75	Complimentary Qantas Frequent Flyer membership for approved applications

Introductory interest rate
Interest free days: 45
Rewards description: Points are automatically credited to the qantas frequent flyer program.

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

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Citibank

Gold
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Balance transfer rate	Interest rate	Annual fees	Key features
1.90% for 15 months and then 21.74%	20.99%	$149	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.

Introductory interest rate
Interest free days: 55
Rewards description: Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2.70%, min $2.70

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ANZ

Low Rate
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Balance transfer rate	Interest rate	Annual fees	Key features
2.90% for 12 months	13.49%	$58	2.9% Balance Transfer for 12 months

Introductory interest rate
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2%

product info

Aussie

Aussie MasterCard
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Balance transfer rate	Interest rate	Annual fees	Key features
2.99% for 12 months	13.29%	$49	2.99%p.a. on balance transfers for the first 12 months

Introductory interest rate: 9.99% for 12 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 19.99%
Fee for cash withdrawals: 2%, min $4

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Westpac

55 Day MasterCard or Visa
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Balance transfer rate	Interest rate	Annual fees	Key features
3.99% for 6 months	19.59%	$30 $0 in the first 1 year	$0 annual fee in your first year. 0% p.a. on purchases for your first 5 months.

Introductory interest rate: 0.00% for 5 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

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Westpac

Low Rate
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Balance transfer rate	Interest rate	Annual fees	Key features
3.99% for 6 months	13.49%	$45	Get a 60 second online response

Introductory interest rate
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

product info

Bankwest

Lite
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Balance transfer rate	Interest rate	Annual fees	Key features
5.99% for 12 months	10.75%	$59	Apply by 30 June to receive 1% cashback on all purchases until 31 August 2011

Introductory interest rate: 5.99% for 12 months
Interest free days: 55
Rewards description

Interest rate on cash withdrawals: 21.99%
Fee for cash withdrawals: 2%, min $4.00

	Intro interest rate	Interest rate	Balance transfer rate		Key features
Citibank Clear Platinum	0.00% for 6 months	11.99%	0.00% for 6 months and then 21.74%	see more details	Pay no interest for 6 months - 0% on purchases and balance transfers	Like this card? Go to site
Bank of Queensland Low Rate	0.00% for 3 months	13.49%	0.00% for 3 months	see more details	0% p.a. for 3 months on purchases. No annual fee for the first year.	Like this card? Go to site
Westpac 55 Day MasterCard or Visa	0.00% for 5 months	19.59%	3.99% for 6 months	see more details	$0 annual fee in your first year. 0% p.a. on purchases for your first 5 months.	Like this card? Go to site
Bankwest Lite	5.99% for 12 months	10.75%	5.99% for 12 months	see more details	Apply by 30 June to receive 1% cashback on all purchases until 31 August 2011	Like this card? Go to site
Bankwest Zero Gold	5.99% for 9 months	16.99%	5.99% for 9 months	see more details	Gold Perks. Zero annual fee.	Like this card? Go to site
Aussie Aussie MasterCard	9.99% for 12 months	13.29%	2.99% for 12 months	see more details	2.99%p.a. on balance transfers for the first 12 months	Like this card? Go to site

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Citibank

Clear Platinum
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Intro interest rate	Interest rate	Balance transfer rate	Key features
0.00% for 6 months	11.99%	0.00% for 6 months and then 21.74%	Pay no interest for 6 months - 0% on purchases and balance transfers

Interest free days: 0.00% for 6 months
Rewards description: 55

Interest rate on cash withdrawals
Fee for cash withdrawals: 21.74%

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Bank of Queensland

Low Rate
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Intro interest rate	Interest rate	Balance transfer rate	Key features
0.00% for 3 months	13.49%	0.00% for 3 months	0% p.a. for 3 months on purchases. No annual fee for the first year.

Interest free days: 0.00% for 3 months
Rewards description: 55

Interest rate on cash withdrawals
Fee for cash withdrawals: 21.49%

product info

Westpac

55 Day MasterCard or Visa
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Intro interest rate	Interest rate	Balance transfer rate	Key features
0.00% for 5 months	19.59%	3.99% for 6 months	$0 annual fee in your first year. 0% p.a. on purchases for your first 5 months.

Interest free days: 0.00% for 5 months
Rewards description: 55

Interest rate on cash withdrawals
Fee for cash withdrawals: 21.49%

product info

Bankwest

Lite
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Intro interest rate	Interest rate	Balance transfer rate	Key features
5.99% for 12 months	10.75%	5.99% for 12 months	Apply by 30 June to receive 1% cashback on all purchases until 31 August 2011

Interest free days: 5.99% for 12 months
Rewards description: 55

Interest rate on cash withdrawals
Fee for cash withdrawals: 21.99%

product info

Bankwest

Zero Gold
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Intro interest rate	Interest rate	Balance transfer rate	Key features
5.99% for 9 months	16.99%	5.99% for 9 months	Gold Perks. Zero annual fee.

Interest free days: 5.99% for 9 months
Rewards description: 55

Interest rate on cash withdrawals
Fee for cash withdrawals: 16.99%

product info

Aussie

Aussie MasterCard
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Intro interest rate	Interest rate	Balance transfer rate	Key features
9.99% for 12 months	13.29%	2.99% for 12 months	2.99%p.a. on balance transfers for the first 12 months

Interest free days: 9.99% for 12 months
Rewards description: 55

Interest rate on cash withdrawals
Fee for cash withdrawals: 19.99%

	Annual fees	Interest rate	Interest free days		Key features
Bankwest Zero Gold	$0	16.99%	55	see more details	Gold Perks. Zero annual fee.	Like this card? Go to site
Bank of Queensland Low Rate	$55 $0 in the first 1 year	13.49%	55	see more details	0% p.a. for 3 months on purchases. No annual fee for the first year.	Like this card? Go to site
Westpac 55 Day MasterCard or Visa	$30 $0 in the first 1 year	19.59%	55	see more details	$0 annual fee in your first year. 0% p.a. on purchases for your first 5 months.	Like this card? Go to site
ANZ First	$30 $0 in the first 1 year	19.24%	44	see more details	$0 Annual Account Fee for the first 12 months	Like this card? Go to site
NAB Low Fee Card	$30	19.74%	44	see more details	0.99% p.a. on balance transfers for up to 9 months if apply by 31 August	Like this card? Go to site
ME Bank MasterCard	$39	12.25%	44	see more details	No charge for up to 8 additional card holders. Low annual rate of $39.	Like this card? Go to site

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Bankwest

Zero Gold
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Annual fees	Interest rate	Interest free days	Key features
$0	16.99%	55	Gold Perks. Zero annual fee.

Introductory interest rate: 5.99% for 9 months
Balance transfer rate: 5.99% for 9 months
Rewards description

Interest rate on cash withdrawals: 16.99%
Fee for cash withdrawals: 2%, min $4.00

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Bank of Queensland

Low Rate
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Annual fees	Interest rate	Interest free days	Key features
$55 $0 in the first 1 year	13.49%	55	0% p.a. for 3 months on purchases. No annual fee for the first year.

Introductory interest rate: 0.00% for 3 months
Balance transfer rate: 0.00% for 3 months
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min of $2, max $30

product info

Westpac

55 Day MasterCard or Visa
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Annual fees	Interest rate	Interest free days	Key features
$30 $0 in the first 1 year	19.59%	55	$0 annual fee in your first year. 0% p.a. on purchases for your first 5 months.

Introductory interest rate: 0.00% for 5 months
Balance transfer rate: 3.99% for 6 months
Rewards description

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

product info

ANZ

First
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Annual fees	Interest rate	Interest free days	Key features
$30 $0 in the first 1 year	19.24%	44	$0 Annual Account Fee for the first 12 months

Introductory interest rate
Balance transfer rate: 7.99% for 6 months
Rewards description

Interest rate on cash withdrawals: 20.99%
Fee for cash withdrawals: 2%

product info

NAB

Low Fee Card
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Annual fees	Interest rate	Interest free days	Key features
$30	19.74%	44	0.99% p.a. on balance transfers for up to 9 months if apply by 31 August

Introductory interest rate
Balance transfer rate: 0.99% for 9 months
Rewards description: Earn flybuys points. redeem them for travel, cashback, gift cards, retail rewards and shopping gift cards.

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 1.75%, min $1.75

product info

ME Bank

MasterCard
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Annual fees	Interest rate	Interest free days	Key features
$39	12.25%	44	No charge for up to 8 additional card holders. Low annual rate of $39.

Introductory interest rate
Balance transfer rate
Rewards description

Interest rate on cash withdrawals: 12.25%
Fee for cash withdrawals: $1.25

	Rewards description	Annual fees		Key features
Suncorp Clear Options Platinum (Qantas Rewards)	Points are automatically credited to the Qantas Frequent Flyer program.	$224	see more details	Receive 40,000 bonus Suncorp Bank Reward points	Like this card? Go to site
ANZ Rewards	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	$89	see more details	20,000 bonus rewards points	Like this card? Go to site
Westpac Altitude Gold	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	$150	see more details	Offer - 10,000 bonus Altitude points	Like this card? Go to site
Citibank Gold	Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards	$149	see more details	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.	Like this card? Go to site
Westpac Earth	Points are automatically credited to the Qantas Frequent Flyer program.	$75	see more details	Complimentary Qantas Frequent Flyer membership for approved applications	Like this card? Go to site
NAB Velocity Gold Card	Points are automatically credited to the Velocity program.	$150	see more details	0.99% p.a. on balance transfers for up to 12 months if apply by 31 August	Like this card? Go to site

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Suncorp

Clear Options Platinum (Qantas Rewards)
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Rewards description	Annual fees	Key features
Points are automatically credited to the Qantas Frequent Flyer program.	$224	Receive 40,000 bonus Suncorp Bank Reward points

Interest rate: 20.49%
Introductory interest rate
Balance transfer rate: 2.90% for 6 months and then 20.74%
Interest free days: 55

Interest rate on cash withdrawals: 20.74%
Fee for cash withdrawals: 2.50%, min $5

product info

ANZ

Rewards
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Rewards description	Annual fees	Key features
Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	$89	20,000 bonus rewards points

Interest rate: 19.74%
Introductory interest rate
Balance transfer rate
Interest free days: 44

Interest rate on cash withdrawals: 20.99%
Fee for cash withdrawals: 2%

product info

Westpac

Altitude Gold
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Rewards description	Annual fees	Key features
Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	$150	Offer - 10,000 bonus Altitude points

Interest rate: 19.99%
Introductory interest rate
Balance transfer rate: 3.99% for 6 months
Interest free days: 45

Interest rate on cash withdrawals: 21.59%
Fee for cash withdrawals: 2%, min $2.50, max $150

product info

Citibank

Gold
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Rewards description	Annual fees	Key features
Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards	$149	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.

Interest rate: 20.99%
Introductory interest rate
Balance transfer rate: 1.90% for 15 months and then 21.74%
Interest free days: 55

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2.70%, min $2.70

product info

Westpac

Earth
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Rewards description	Annual fees	Key features
Points are automatically credited to the Qantas Frequent Flyer program.	$75	Complimentary Qantas Frequent Flyer membership for approved applications

Interest rate: 19.99%
Introductory interest rate
Balance transfer rate: 0.99% for 6 months
Interest free days: 45

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

product info

NAB

Velocity Gold Card
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Rewards description	Annual fees	Key features
Points are automatically credited to the Velocity program.	$150	0.99% p.a. on balance transfers for up to 12 months if apply by 31 August

Interest rate: 20.24%
Introductory interest rate
Balance transfer rate: 0.99% for 12 months
Interest free days: 44

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 1.75%, min $1.75

	Interest rate	Annual fees	Rewards description		Key features
Bankwest Zero Gold	16.99%	$0		see more details	Gold Perks. Zero annual fee.	Like this card? Go to site
Citibank Gold	20.99%	$149	Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards	see more details	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.	Like this card? Go to site
Westpac Altitude Gold	19.99%	$150	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	see more details	Offer - 10,000 bonus Altitude points	Like this card? Go to site
Westpac Earth Gold	19.99%	$125	Points are automatically credited to the Qantas Frequent Flyer program.	see more details	Complimentary Qantas Frequent Flyer membership for approved applications	Like this card? Go to site
NAB Gold Card	19.74%	$90	Flybuys. Redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.	see more details	0.99% p.a. on balance transfers for up to 12 months if apply by 31 August	Like this card? Go to site
NAB Velocity Gold Card	20.24%	$150	Points are automatically credited to the Velocity program.	see more details	0.99% p.a. on balance transfers for up to 12 months if apply by 31 August	Like this card? Go to site
NAB Qantas Gold Card	20.24%	$146	Points are automatically credited to the Qantas Frequent Flyer program.	see more details	0.99% p.a. on balance transfers for up to 9 months if apply by 31 August	Like this card? Go to site

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Bankwest

Zero Gold
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Interest rate	Annual fees	Rewards description	Key features
16.99%	$0		Gold Perks. Zero annual fee.

Introductory interest rate: 5.99% for 9 months
Balance transfer rate: 5.99% for 9 months
Interest free days: 55

Interest rate on cash withdrawals: 16.99%
Fee for cash withdrawals: 2%, min $4.00

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Citibank

Gold
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Interest rate	Annual fees	Rewards description	Key features
20.99%	$149	Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.

Introductory interest rate
Balance transfer rate: 1.90% for 15 months and then 21.74%
Interest free days: 55

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2.70%, min $2.70

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Westpac

Altitude Gold
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Interest rate	Annual fees	Rewards description	Key features
19.99%	$150	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	Offer - 10,000 bonus Altitude points

Introductory interest rate
Balance transfer rate: 3.99% for 6 months
Interest free days: 45

Interest rate on cash withdrawals: 21.59%
Fee for cash withdrawals: 2%, min $2.50, max $150

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Westpac

Earth Gold
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Interest rate	Annual fees	Rewards description	Key features
19.99%	$125	Points are automatically credited to the Qantas Frequent Flyer program.	Complimentary Qantas Frequent Flyer membership for approved applications

Introductory interest rate
Balance transfer rate: 0.99% for 6 months
Interest free days: 45

Interest rate on cash withdrawals: 21.49%
Fee for cash withdrawals: 2%, min $2.50, max $150

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NAB

Gold Card
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Interest rate	Annual fees	Rewards description	Key features
19.74%	$90	Flybuys. Redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.	0.99% p.a. on balance transfers for up to 12 months if apply by 31 August

Introductory interest rate
Balance transfer rate: 0.99% for 12 months
Interest free days: 44

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 1.75%, min $1.75

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NAB

Velocity Gold Card
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Interest rate	Annual fees	Rewards description	Key features
20.24%	$150	Points are automatically credited to the Velocity program.	0.99% p.a. on balance transfers for up to 12 months if apply by 31 August

Introductory interest rate
Balance transfer rate: 0.99% for 12 months
Interest free days: 44

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 1.75%, min $1.75

product info

NAB

Qantas Gold Card
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Interest rate	Annual fees	Rewards description	Key features
20.24%	$146	Points are automatically credited to the Qantas Frequent Flyer program.	0.99% p.a. on balance transfers for up to 9 months if apply by 31 August

Introductory interest rate
Balance transfer rate: 0.99% for 12 months
Interest free days: 44

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 1.75%, min $1.75

	Interest rate	Annual fees	Rewards description		Key features
Bank of Queensland Platinum	20.74%	$199	Q Rewards Program. Redeem your points for travel, gift cards, retail rewards and shopping gift cards.	see more details	Receive 50,000 Bonus Q Reward Points	Like this card? Go to site
Suncorp Clear Options Platinum (Qantas Rewards)	20.49%	$224	Points are automatically credited to the Qantas Frequent Flyer program.	see more details	Receive 40,000 bonus Suncorp Bank Reward points	Like this card? Go to site
Citibank Clear Platinum	11.99%	$99 $49 in the first 1 year		see more details	Pay no interest for 6 months - 0% on purchases and balance transfers	Like this card? Go to site
Citibank Platinum	20.99%	$199	Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.	see more details	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.	Like this card? Go to site
Westpac Singapore Airlines Platinum	19.49%	$250	Points are automatically credited to the KrisFlyer program.	see more details	10000 bonus KrisFlyer miles offer.	Like this card? Go to site
ANZ Frequent Flyer Platinum	19.74%	$295	Points are automatically credited to the Qantas Frequent Flyer program.	see more details	Bonus 20,000 Qantas Frequent Flyer points if you apply by 16 July 2011	Like this card? Go to site
Westpac Altitude Platinum	19.99%	$295	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	see more details	Offer - 15,000 bonus Altitude points	Like this card? Go to site
Citibank Emirates Citi Platinum Card	20.99%	$229	Points are automatically credited to the Emirates Skywards Program	see more details	Earn 3 Skywards Miles for every $1 spent up to 25,000 Miles	Like this card? Go to site

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Bank of Queensland

Platinum
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Interest rate	Annual fees	Rewards description	Key features
20.74%	$199	Q Rewards Program. Redeem your points for travel, gift cards, retail rewards and shopping gift cards.	Receive 50,000 Bonus Q Reward Points

Introductory interest rate
Balance transfer rate: 2.90% for 6 months and then 21.74%
Interest free days: 55

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2%, min of $2, max $30

product info

Suncorp

Clear Options Platinum (Qantas Rewards)
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Interest rate	Annual fees	Rewards description	Key features
20.49%	$224	Points are automatically credited to the Qantas Frequent Flyer program.	Receive 40,000 bonus Suncorp Bank Reward points

Introductory interest rate
Balance transfer rate: 2.90% for 6 months and then 20.74%
Interest free days: 55

Interest rate on cash withdrawals: 20.74%
Fee for cash withdrawals: 2.50%, min $5

product info

Citibank

Clear Platinum
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Interest rate	Annual fees	Rewards description	Key features
11.99%	$99 $49 in the first 1 year		Pay no interest for 6 months - 0% on purchases and balance transfers

Introductory interest rate: 0.00% for 6 months
Balance transfer rate: 0.00% for 6 months and then 21.74%
Interest free days: 55

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2.70%, min $2.70

product info

Citibank

Platinum
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Interest rate	Annual fees	Rewards description	Key features
20.99%	$199	Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.	1.9% p.a. for 15 months on balances transferred. 2 for 1 points until 2012.

Introductory interest rate
Balance transfer rate: 1.90% for 15 months and then 21.74%
Interest free days: 55

Interest rate on cash withdrawals: 21.74%
Fee for cash withdrawals: 2.70%, min $2.70

product info

Westpac

Singapore Airlines Platinum
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Interest rate	Annual fees	Rewards description	Key features
19.49%	$250	Points are automatically credited to the KrisFlyer program.	10000 bonus KrisFlyer miles offer.

Introductory interest rate
Balance transfer rate: 0.99% for 6 months
Interest free days: 45

Interest rate on cash withdrawals: 20.74%
Fee for cash withdrawals: 2%, min $2.50, max $150

product info

ANZ

Frequent Flyer Platinum
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Interest rate	Annual fees	Rewards description	Key features
19.74%	$295	Points are automatically credited to the Qantas Frequent Flyer program.	Bonus 20,000 Qantas Frequent Flyer points if you apply by 16 July 2011

Introductory interest rate
Balance transfer rate
Interest free days: 55

Interest rate on cash withdrawals: 20.99%
Fee for cash withdrawals: 2%

product info

Westpac

Altitude Platinum
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Interest rate	Annual fees	Rewards description	Key features
19.99%	$295	Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.	Offer - 15,000 bonus Altitude points

Introductory interest rate
Balance transfer rate: 3.99% for 6 months
Interest free days: 45

Interest rate on cash withdrawals: 21.59%
Fee for cash withdrawals: 2%, min $2.50, max $150

product info

Citibank

Emirates Citi Platinum Card
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Interest rate	Annual fees	Rewards description	Key features
20.99%	$229	Points are automatically credited to the Emirates Skywards Program	Earn 3 Skywards Miles for every $1 spent up to 25,000 Miles

Introductory interest rate
Balance transfer rate: 2.90% for 6 months and then 21.24%
Interest free days: 55

Interest rate on cash withdrawals: 21.24%
Fee for cash withdrawals: 2.70%, min $2.70

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big banks

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1.
10.75%
Bankwest
– Lite
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2.
11.99%
Citibank
– Clear Platinum
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3.
12.25%
ME Bank
– MasterCard
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4.
12.74%
Suncorp
– Clear Options Standard
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5.
13.29%
Aussie
– Aussie MasterCard

1.
10.49%
SCU Sydney Credit Union
– Low Rate Visa Credit Card
1.
10.49%
Community First
– McGrath Pink Visa
3.
10.74%
mecu
– Low Rate
3.
10.74%
Greater Building Society
– Greater Visa
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5.
10.75%
Bankwest
– Lite

1.
12.24%
St George
– Starts Low Stays Low
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2.
13.49%
NAB
– Low Rate
2.
13.49%
Commonwealth Bank
– Low Rate Credit Card
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2.
13.49%
ANZ
– Low Rate
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2.
13.49%
Westpac
– Low Rate

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