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Banking / Credit Cards / Low Rate Credit Cards

Low Rate Credit Card Comparison

Card Name Purchase Rate Max Free Days Introductory Purchase Rate Balance Transfer Rate Annual Fee Rewards Program Available? First Year Cost Comparison* Click on the column heading to sort
Bank of Melbourne Vertigo Platinum 12.74% 55 0%6 mths 0%18 mths $99 $290
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BankSA Vertigo Platinum 12.74% 55 0%6 mths 0%18 mths $99 $290
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St.George Vertigo Platinum 12.74% 55 0%6 mths 0%18 mths $99 $290
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Bankwest Breeze MasterCard 12.99% 55 0%21 mths $59 $449
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Bankwest Breeze Platinum MasterCard 12.99% 55 0%21 mths $99 $489
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Coles Low Rate MasterCard (Get $100 off a single Coles Supermarket shop if you apply and are approved for a Coles Credit Card between 4 January and 28 February 2017 and make a purchase within the first 30 days – New customers only) 12.99% 62 0%6 mths $49 $439
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Bank of Melbourne Vertigo Visa 13.24% 55 0%6 mths 0%18 mths $55 $254
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BankSA Vertigo Visa 13.24% 55 0%6 mths 0%18 mths $55 $254
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St.George Vertigo Visa 13.24% 55 0%6 mths 0%18 mths $55 $254
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ANZ Low Rate ($100 Back to your new ANZ Low Rate Credit Card plus 0% p.a. for the first 6 months on purchases from approval) 13.49% 55 0%6 mths $58 $260
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ANZ Low Rate Platinum ($250 Back to your new ANZ Low Rate Platinum Credit Card plus 0% p.a. for the first 6 months on purchases from approval) 13.49% 55 0%6 mths $99 $301
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Westpac Low Rate (0%p.a. for 16 months on BT and 1%p.a. for 12 months on purchases) 13.49% 55 1%12 mths 0%16 mths $59 $89
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Westpac Low Rate Exclusive 13.49% 55 0%24 mths $59 $464
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NAB Low Rate Platinum Card (0% p.a. on purchases and balance transfers for 15 months, with a one off 3% balance transfer fee) 13.99% 55 0%15 mths 0%15 mths $100 $100
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NAB Low Rate Card (0% p.a. on purchases and 0%p.a. on balance transfers for 15 months, with a one off 3% balance transfer fee) 13.99% 55 0%15 mths 0%15 mths $59 $59
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The American Express Essential® Credit Card 14.99% 55 0%12 mths $0 $450
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Citi Clear Platinum Credit Card 14.99% 55 $99 $549
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Bankwest Zero MasterCard 17.99% 55 2.99%9 mths $0 $540
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Bankwest Zero Platinum MasterCard 17.99% 55 2.99%9 mths $0 $540
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ANZ Rewards Black (Get 75,000 reward points when you make an eligible purchase within first 3 months of card approval.) 18.79% 55 $375 $939
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“Sponsored” products are displayed first within the search results pages and can be re-sorted without this filter by de-selecting the “Show sponsored listings first” checkbox. For more information on how we’ve selected these “Sponsored” and “Featured” products click here.

*The First Year Cost Comparison is the total interest payable over one year on a monthly outstanding balance of $3,000 plus the credit card’s annual fee. Introductory purchase rate offers and balance transfer offers are taken into account where applicable.

**The Spend required is based on the approximate everyday spending needed to redeem a $100 gift card or a return flight from Sydney to Melbourne from the rewards program, given the credit card’s point earning capability. For rewards programs that do not have a set number of points to redeem flights, the approximate spend is based on a $300 travel voucher. Bonus point offers and point capping are not included in the calculation.


Low Rate Credit Card Articles

A balance transfer credit card is an increasingly popular way to pay down credit card debt and unsecured personal debt while avoiding interest. - What is a balance transfer credit card?

Does an interest free period on your existing credit card balance sound appealing? - How to effectively use a "Balance Transfer"

Cutting back on the interest expense on your current card is the most obvious way you can save money with a balance transfer credit card, just compare the interest rates. - Balance Transfer Credit Card Offers

 


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