Low Rate Credit Cards

If there's one thing we want from a credit card, it's a low ongoing interest rate. The cards listed here are the best on offer for low interest credit on purchases.

Best Low Rate Credit Cards in Australia

HSBC Low Rate Credit Card

The only strings we’re attaching are great features:

  • Great low purchases interest rate of 12.99% p.a.
  • 0% p.a. for 6 months* on balance transfers~
  • $0 annual fee in the first year and then only $49 p.a.
  • Up to 55 days interest-free on purchases

CBA Low Rate Credit Card

Here's just a few good reasons to get one:

  • Low interest rate of just 12.64% p.a. on purchases and 19.99% p.a. on cash advances
  • $48 annual fee
  • Up to 55 days' interest free on all purchases
  • Balance transfer rate of 5.99% p.a. for 5 months
  • Free additional card for a family member or friend
  • No rewards program, just an everyday low rate

Citibank Clear Visa

Your search for a low interest rate ends here

  • 0% balance transfer for 6 months
  • 12.49%p.a. ongoing on purchases
  • Access your account anywhere, anytime via Internet and phone banking
  • Up to 55 days interest free on retail purchases
  • Offer available online only for a limited time!

Aussie Mastercard

  • 5.99% p.a. interest rate on balance transfers for the first 6 months#
  • A low interest rate of 11.99% p.a.* on purchases
  • A low 17.99% p.a. on cash advances
  • Up to 55 days interest free credit on purchases

St.George Starts Low Stays Low (Visa)

  • One low 12.99% p.a. rate for purchases and cash advances*
  • Low annual fee
  • Card colour choice
  • Up to 55 days interest free days on purchases*
  • Discounts and added extras with St.George Instant Benefits

St.George Gold Low Rate Visa

  • One low 18.25% p.a. purchase and cash advance rate*
  • Low annual fee
  • Up to 55 days interest free days on purchases*
  • Up to 3 additional cards for your friends or family
  • Linked access to your other St.George accounts
  • Instant discounts and added extras with St.George Instant Benefits
  • Shopping and travel insurances**

ANZ Low Rate Mastercard

  • 0% p.a.^ balance transfer rate for the first six months from the date the card is approved
  • Low interest rate of 12.41% p.a.* on purchases
  • Up to 55 days interest free credit on purchases
  • $58 annual fee with up to 3 additional card holders at no additional cost
  • 60 second application response time

American Express Gold Card

  • Balance transfer rate of 6.99% p.a. for the first 6 months (subject to the American Express Interest Rate Policy)
  • Interest rate of 18.24% p.a.
  • Up to 55 days interest free
  • Online Fraud Protection Guarantee means you won’t be held responsible for any unauthorised charges online
  • American Express Selects™ rewards program

Citibank Personal Credit

  • 7.9% p.a.* for LIFE on balances you transfer†
  • 14.99% p.a. on purchases and cash advances.
  • NO transaction, ATM/EFTPOS or cash advance fees#
  • Apply today and consolidate your finances

Woolworths Everyday Money Mastercard

  • 0% p.a. until 1 February 2009 on all purchases
  • No annual fee in the 1st year
  • Up to 3 points per $1 spent^
  • Earn a shopping card every 4 months#





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