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Low Rate Credit Card Comparison

Card Name Purchase Rate Free Days Introductory Rate Balance Transfer Rate Annual Fee Rewards Program Available? First Year Cost Comparison* Click on the column heading to sort
Victoria Teachers Mutual Bank Visa Platinum Credit Card 9.99% 55 0%6 mths 0%6 mths $84 $234 Go to site
bankmecu Low Rate VISA 10.14% 0 $59 $363 Go to site
Virgin Low Rate Credit Card - 2.9% BT for 9 months 10.99% 44 2.9%9 mths $99 $429 Go to site
Citibank Clear Platinum Credit Card (0% p.a. for 6 months P&B) 11.99% 55 0%6 mths 0%6 mths $99 $279 Go to site
Aussie Classic Low Rate Credit Card (0% p.a. on balances transferred for first 9 months, reverting to cash rate 20.99% p.a.) 12.49% 55 0%9 mths $49 $424 Go to site
ANZ Low Rate (0% p.a. first 9 months on balance transfers) 12.99% 55 0%9 mths $58 $448 Go to site
ANZ Low Rate Platinum (0% p.a. first 9 months on balance transfers) 12.99% 55 0%9 mths $99 $489 Go to site
bankmecu VISA Credit Card 13.14% 55 $0 $394 Go to site
Bank of Melbourne Vertigo MasterCard 13.24% 55 0%8 mths $55 $452 Go to site
BankSA Vertigo MasterCard 13.24% 55 0%8 mths $55 $452 Go to site
St.George Vertigo MasterCard 13.24% 55 0%8 mths $55 $452 Go to site
Aussie Platinum Low Rate Credit Card (0% p.a. on balances transferred for first 9 months, reverting to cash rate 20.99% p.a.) 13.29% 55 0%9 mths $99 $498 Go to site
Westpac Low Rate (3.99% on balance transfers for 6 months) 13.49% 55 0%6 mths 3.99%6 mths $45 $247 Go to site
NAB Low Rate Visa Card 13.99% 55 4.99%6 mths $59 $479 Go to site
Bank of Melbourne Gold Low Rate 15.99% 55 $79 $559 Go to site
BankSA Platinum Visa Card 15.99% 55 0%8 mths $89 $569 Go to site
BankSA Gold Low Rate 15.99% 55 $79 $559 Go to site
St.George Platinum Visa Card 15.99% 55 0%8 mths $89 $569 Go to site
St.George Gold Low Rate 15.99% 55 $79 $559 Go to site
HSBC Credit Card - 0% p.a. balance transfer for 6 months 17.99% 55 0%6 mths $0 $540 Go to site

“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.


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