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 appropriate on offer for low interest credit on purchases.

decent Low Rate Credit Cards in Australia

HSBC Low Rate Card

Take out a Low Rate Credit and save

  • Pay no annual fee in the first year
  • 15.99% p.a. on purchases
  • Up to 55 days interest free on purchases
  • 2.99% p.a. for first 6 months on balance transfers

Aussie Mastercard

  • You don’t have to be an Aussie customer to apply
  • A low interest rate of 9.99% p.a. on purchases for 12 months
  • A special balance transfer offer of 4.99% p.a. for the first 12 months
  • Aussie Mastercard reverts to a low 11.49% p.a. on purchases
  • Up to 55 days interest free credit on purchases

ANZ Low Rate Mastercard

  • Low interest rate of 11.74% p.a. on purchases
  • Up to 55 days interest free on purchases
  • Up to 3 additional cards at no extra cost
  • Design your card by simply loading your favorite image or choose from a library of images – T’s & C’s apply**
  • ANZ FalconTM – provides advanced around the clock monitoring for suspicious transactions
  • Online Shopping guarantee

American Express Gold Ascent Card

  • $2 spent = 1 Membership Rewards Point
  • 24/7 Online account access
  • Online fraud protection
  • Supplementary Card Fee - $0 p.a.
  • Up to 44 Interest Free Days
  • Interest Rate - 19.99% p.a.

Woolworths Everyday Money Mastercard

  • APR 17.99% p.a.
  • Cash Advance rate 20.99% p.a.
  • 5.99% p.a. for first 6 months
  • $0 annual fee for first year; offer ends 31st March 09; $49 after the first year
  • 55 days interest free
  • $50 Bonus Shopping Card is only available to new primary cardholders who apply between 1 January and 31 March 2009 and who make a purchase on their credit card by 30 April 2009

CBA Low Rate Credit Card

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

  • Low interest rate of just 11.74% 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





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