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Low Rate Credit Cards

Low Rate Credit Cards offer low interest rates on purchases and are not restricted by introductory offer periods, allowing you to cut down the amount of interest you pay, with a rate that starts low and stays low.

Credit Cards

Editors Choice - Bankwest Breeze - 10.99% p.a

Bankwest Breeze card offers one of the lowest standard rates available in Australia. Apply now and take advantage of this very low ongoing rate!

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Card	Issuer	Balance Transfers		Purchases		Std APR p.a	Annual Fee	Apply
Card	Issuer
	Bankwest Breeze MasterCard 10% cashback at department stores, grocery stores & eating out for 3 months. 12 months extra warranty - If you find cheaper within 21 days, claim the difference.	Rate 5.99%	Duration 12 mths	Rate N/A	Duration N/A	Std APR p.a	Annual Fee	Apply	10.99%	$59 p.a.	Apply > More Info

	Citibank Clear Platinum Get complimentary international travel insurance, purchase cover and extended warranty insurance	Rate 2.90%	Duration 12 mths	Rate N/A	Duration N/A	11.99%	$99 - $50 off in 1st year = $49	Apply > More Info

	ANZ Low Rate Card Special offer* 3 months 0% on balance transfers and Purchases only available until 13 March 2012.	Rate 0%	Duration 3 mths	Rate 0%	Duration 3 mths	13.24%	$58 p.a.	Apply > More Info

	St. George Vertigo Special offer 0.99% for 12 months on Balance Transfers only available until 11th April 2012.	Rate 0.99%	Duration 12 mths	Rate N/A	Duration N/A	13.24%	$55 p.a.	Apply > More Info

	Aussie Mastercard	Rate 2.99%	Duration 12 mths	Rate 9.99%	Duration 12 mths	13.29%	$49 p.a.	Apply > More Info

	CommonWealth 'Low Rate' Card Special offer Apply online and get $50 cash back into your account after card activation (Offer available for limited period only).	Rate N/A	Duration N/A	Rate N/A	Duration N/A	13.49%	$78 p.a.	Apply > More Info

	Westpac Low Rate Card	Rate 0%	Duration 6 mths	Rate 0%	Duration 6 mths	13.49%	$45 p.a.	Apply > More Info

	BOQ Low Rate 1.9% on Balance Transfers for 6 months & up to $25k credit limit	Rate 1.90%	Duration 6 mths	Rate N/A	Duration N/A	13.49%	$55	Apply > More Info

	Citibank Clear Free bottle of wine with Citibank's dining program & Visa Entertainment offers	Rate N/A	Duration N/A	Rate N/A	Duration N/A	15.99%	$65 p.a.	Apply > More Info

	St. George Platinum	Rate 3.99%	Duration 6 mths	Rate N/A	Duration N/A	15.99%	$89 p.a.	Apply > More Info

Bankwest Breeze MasterCard

Advice

Please note this card offers a standard rate of 10.99%p.a - Australia's lowest MasterCard purchase rate! Australia's Cheapest Credit Card’ in Money magazine's 2011 Best of the Best Awards

Introductory Offer
Balance Transfer Rate:	5.99% p.a. for 12 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	10.99% p.a.
Purchases:	10.99% p.a.
Cash Advance:	21.99% p.a.
Annual Fee:	$59 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Earned Taxable Income of over $20,000.pa

Citibank Clear Platinum

Advice

Save $50 on your 1st years annual fee reducing the cost from $99 to $49! Also, get up to 4 additional card holders - annual fee of $19 each.

Introductory Offer
Balance Transfer Rate:	2.90% p.a. for 12 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	21.74% p.a.
Purchases:	11.99% p.a.
Cash Advance:	21.74% p.a.
Annual Fee:	$99 - $50 off in 1st year = $49
Standard Features
Credit Limit:	$20,000
Interest Free Days:	Up to 55 days
On-Line Banking:	No
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $40,000.pa You have not applied and been declined for another Citibank product in the last 9 months Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

St. George Vertigo

Advice

Special 0.99% p.a. balance transfer rate for up to 12 months available until 11 April 2012!!

Introductory Offer
Balance Transfer Rate:	0.99% p.a. for 12 mths
Balance Transfer Fee:	0%
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	13.24% p.a.
Purchases:	13.24% p.a.
Cash Advance:	21.49% p.a.
Annual Fee:	$55 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an income of $15,000 or more per year

Westpac Low Rate Card

Introductory Offer
Balance Transfer Rate:	0% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	0% p.a. for 6 mths
Annual Rates
Balance Transfers:	13.49% p.a.
Purchases:	13.49% p.a.
Cash Advance:	21.49% p.a.
Annual Fee:	$45 p.a.
Standard Features
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

St. George Platinum

Introductory Offer
Balance Transfer Rate:	3.99% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	15.99% p.a.
Purchases:	15.99% p.a.
Cash Advance:	21.49% p.a.
Annual Fee:	$89 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia

Citibank Clear

Advice

Get up to 4 additional card holders - annual fee of $19 each.

Introductory Offer
Balance Transfer Rate:	N/A
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	21.74% p.a.
Purchases:	15.99% p.a.
Cash Advance:	21.74% p.a.
Annual Fee:	$65 p.a.
Standard Features
Credit Limit:	$20,000
Interest Free Days:	Up to 55 days
On-Line Banking:	No
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $25,000.pa You have not applied and been declined for another Citibank product in the last 9 months Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

ANZ Low Rate Card

Introductory Offer
Balance Transfer Rate:	0% p.a. for 3 mths
Balance Transfer Fee:	N/A
Purchase Rate:	0% p.a. for 3 mths
Annual Rates
Balance Transfers:	13.24% p.a.
Purchases:	13.24% p.a.
Cash Advance:	21.49% p.a.
Annual Fee:	$58 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $15,000.pa

Aussie Mastercard

Advice

With the low rate Aussie MasterCard® they've done away with unnecessary extras like expensive rewards. You get a no-nonsense credit card with a great low rate on purchases.

Introductory Offer
Balance Transfer Rate:	2.99% p.a. for 12 mths
Balance Transfer Fee:	N/A
Purchase Rate:	9.99% p.a. for 12 mths
Annual Rates
Balance Transfers:	13.29% p.a.
Purchases:	13.29% p.a.
Cash Advance:	19.99% p.a.
Annual Fee:	$49 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $15,000.pa If you are NOT permanent resident/citizen of Australia you must have an Income of over $50,000.pa

CommonWealth 'Low Rate' Card

Introductory Offer
Balance Transfer Rate:	N/A
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	13.49% p.a.
Purchases:	13.49% p.a.
Cash Advance:	21.74% p.a.
Annual Fee:	$78 p.a.
Standard Features
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $15,000.pa

BOQ Low Rate

Advice

Get 1.9% on Balance Transfers for 6 months

Introductory Offer
Balance Transfer Rate:	1.90% p.a. for 6 mths
Balance Transfer Fee:	0%
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	13.49% p.a.
Purchases:	13.49% p.a.
Cash Advance:	21.49% p.a.
Annual Fee:	$55
Standard Features
Credit Limit:	$25,000
Interest Free Days:	Up to 55 days
On-Line Banking:	No
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $25,000.pa You have not applied and been declined for another Citibank product in the last 9 months Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Low Rate Credit Cards Explained

What are low interest rate credit cards?

Low rate credit cards allow consumers to spend on their credit cards at a low rate of interest, accruing less additional debt.

Does a low interest rate credit card suit me?

Low rate credit cards benefit consumers who tend to carry a balance by offering a consistently low rate of interest.

If you pay off your balance each month, or if you rarely use your credit card, you may benefit more from the features offered by other cards (e.g. 0% on purchases / low annual fee).

What to watch with low interest rate credit cards:

Credit providers will often compensate for lower interest rates in other ways. The annual fee charged on low rate credit cards tends to be higher, for example.

Most low rate cards offer introductory bonus rates, but these can later revert to much higher rates, akin to other types of credit card.

When is a low rate credit card my best option?

You can determine whether a low rate card can improve your financial situation by adding up the annual interest and the annual fee that you currently pay, and comparing this with the lower rate and higher annual fee that you would be paying. If this works favourably for you, why not apply online?

See our best low interest rate credit cards above.

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Credit Cards

Editors Choice - Bankwest Breeze - 10.99% p.a

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Low Rate Credit Cards Explained

What are low interest rate credit cards?

Does a low interest rate credit card suit me?

What to watch with low interest rate credit cards:

When is a low rate credit card my best option?

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