InfoChoice | Compare Low Interest Rate Credit Cards
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Banking / The best credit cards / Low Rate Credit Cards

Want lower rates on your credit card?

If you don’t always pay off the full balance on your credit card each month, you might want to consider a low rate credit card.

While you will still need to make the minimum monthly repayment, a low rate credit card can help you keep your debt under control by reducing the amount of interest you are charged on your remaining balance. They may not offer fancy rewards or perks, but they are a good option for staying on top of your finances.

Here you can compare different low rate credit cards from various banks and credit unions to find the best product for your needs.


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PLATINUM SPONSORED
'Sponsored' and 'Platinum Sponsored' product(s) are selected by InfoChoice, at its discretion, to promote to consumers, based on a range of factors including whether the product is likely to be of interest to our customers. However, our section of a 'Sponsored' or 'Platinum Sponsored' product should not be constituted as an endorsement of that product, or a representation that a product best suits your needs.
InfoChoice may receive a commission, referral fee or payment from a provider when you click on a link to a 'Sponsored' or 'Platinum Sponsored' product.

Bankwest Breeze Mastercard

  • 0% p.a. BT for 13 months (2% BT Fee, T&Cs apply)
  • Low ongoing purchase rate : 12.99% p.a.
  • $79 annual fee – ongoing
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card logo
PLATINUM SPONSORED
'Sponsored' and 'Platinum Sponsored' product(s) are selected by InfoChoice, at its discretion, to promote to consumers, based on a range of factors including whether the product is likely to be of interest to our customers. However, our section of a 'Sponsored' or 'Platinum Sponsored' product should not be constituted as an endorsement of that product, or a representation that a product best suits your needs.
InfoChoice may receive a commission, referral fee or payment from a provider when you click on a link to a 'Sponsored' or 'Platinum Sponsored' product.

Bankwest Breeze Platinum Mastercard

  • 0% p.a. BT for 13 months (2% BT Fee, T&Cs apply)
  • $0 foreign transaction fees (other fees apply)
  • Low ongoing purchase rate : 12.99% p.a.
View special offer
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
ANZ Low Rate Platinum (0% p.a. first 16 months on balance transfers with a 2% Balance Transfer Fee. Reverts to standard balance transfer rate, currently 21.74% p.a.*) 11.49% 55 0%16 mths $99 $444
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ANZ Low Rate (0% p.a. first 16 months on balance transfers with a 2% Balance Transfer Fee. Reverts to standard balance transfer rate, currently 21.74% p.a.*) 12.49% 55 0%16 mths $58 $433
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Bank of Melbourne Vertigo Platinum 12.74% 55 0%24 mths $99 $481
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BankSA Vertigo Platinum 12.74% 55 0%24 mths $99 $481
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Bankwest Breeze MasterCard 12.99% 55 0%13 mths $79 $469
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Bankwest Breeze Platinum MasterCard 12.99% 55 0%13 mths $99 $489
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Coles Low Rate MasterCard 12.99% 62 0%6 mths $58 $448
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Bank of Melbourne Vertigo Visa 13.24% 55 0%18 mths $55 $452
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BankSA Vertigo Visa 13.24% 55 0%18 mths $55 $452
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St.George Vertigo Visa 13.24% 55 0%18 mths $55 $452
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Westpac Low Rate (0%p.a. for 18 months on BT + 2% BT fee applies) 13.49% 55 0%18 mths $59 $464
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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 (balance transfers for 16 months, with a one off 2% balance transfer fee) 13.99% 55 0%16 mths $100 $520
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NAB Low Rate Card (0%p.a. on balance transfers for 16 months, with a one off 2% balance transfer fee) 13.99% 55 0%16 mths $59 $479
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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 spend $2,500 on eligible purchases within first 3 months of approval plus no annual fee for the first year) 18.79% 55 $375 $939
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ANZ Rewards (Get 25,000 Reward Points when you spend $2,500 on eligible purchases within first 3 months of approval plus no annual fee for the first year) 18.79% 44 $80 $644
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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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Although we cover a range of products, providers and services we don't cover every product, provider or service available in the market. The information and products contained on this website do not constitute recommendations or suggestions to purchase or apply for any particular product. Products included on this site may not suit your personal objectives, financial situation or needs. Please consider whether it is appropriate for your circumstances, before making a decision to purchase or apply for any product. If you are considering acquiring any financial product you should obtain and read the relevant Product Disclosure Statement or other offer document prior to making an investment decision.

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