Low Rate Cards
1
Aussie MasterCard
- 13.29% p.a. on purchases
- 9.99% on purchases for the first 12 months
- 19.99% p.a. on cash advances
- Up to 55 days interest free credit on purchases
- 2.99% balance transfer rate for 12 months
- An annual credit card fee of only $49
2
Westpac Low Rate
- 3.99% balance transfer rate for 6 months
- Competitive interest rate on purchases of 13.49% p.a.
- 21.49% p.a. on cash advances
- Up to 55 days interest free on purchases
3
NAB Low Rate
- 0.99% p.a. on balance transfers for the first 9 months
- Low ongoing interest rate of 12.74% p.a. on purchases
- No annual fee for the first year
- Up to 55 days interest free on purchases
4
St George Vertigo
- 0.99% on balance transfers for 9 months
- Low interest rate of 13.24% p.a.
- Up to 55 days interest free on purchases
- Low Annual fee of $55
Visit St George for more details and full terms & conditions
5
ANZ Low Rate Credit Card
- A great balance transfer rate of 2.9% for 12 months
- Take control of your finances by paying a low interest rate on your everyday purchase
- Competitive interest rate on purchases of 13.49% p.a.
- 21.74% p.a. on cash advances
- Up to 55 days interest free on purchases
Hot Offer Cards
1
ANZ Low Rate Credit Card
- HOT OFFER: A great balance transfer rate of 2.9% for 12 months
- Take control of your finances by paying a low interest rate on your everyday purchase
- Competitive interest rate on purchases of 13.49% p.a.
- 21.74% p.a. on cash advances
- Up to 55 days interest free on purchases
2
Westpac 55 Day Credit Card
- HOT OFFER: Low balance transfer rate – just 3.99% p.a. for up to 6 months
- $0 annual fee in your first year – that's a current saving of $30
- Up to 55 days interest free on purchases*
3
HSBC Credit Card
- HOT OFFER: 0% p.a. on Balance Transfers for 6 months
- $0 Annual Fee for the life of the card
- Ongoing interest rate of 17.99% on purchases
- Up to 55 days interest free on purchases
4
ANZ First Card
- HOT OFFER: $0 Annual Fee for the first year!
- Balance Transfer offer of 7.99% for 6 months
- Ongoing interest rate of 19.24%
- Up to 44 days interest free on purchases
5
AMEX Gold Ascent
- HOT OFFER: $0 Annual Fee
- 20.74% interest rate on purchases
- A great card that will get you in the air faster
- Up to 44 days interest free on purchases
- Earn 1 Ascent Reward point for every $2 spent
Visit American Express for more details and full terms & conditions
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
3.99% balance transfer rate for 6 months
Take control of your finances by paying a low interest rate on your everyday purchase
The ideal credit card for shopping
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