*Disclaimer: Citi credit card product names have changed effective 20 Jan 2020 as following: Citi Clear Platinum is now Citi Clear; Citi Rewards Platinum is now Citi Rewards; Citi Signature is now referred to as Citi Premier; Citi Signature Qantas now known as Citi Premier Qantas. Credit cards offer plenty of benefits to smart users who stay in control of their spending and repay their debts each month. Those people get to use credit, effectively for free, because they repay their debts within the interest-free period. The rest of us, who manage our debts and income as best we can, need a low-rate credit card that won’t slug us with outrageous interest bills if we carry a bit of debt from one month to the next. Failing that, a 0% balance transfer deal might be able to assist us to get on top of debt. Right now, in November 2019, there plenty of credit cards offering very low rates and some with features you might expect from a premium credit card. InfoChoice’s ten top Low-rate credit cards for November 2019* Comparing the top Low-Rate Credit Card deals in November 2019. The big banks have all improved their low-rate credit card deals in 2019. Other institutions have also been active in the low-rate card market with some low-rate cards even featuring gold and platinum level benefits. To get the best deal for your own needs, compare your credit card with others in the low-rate credit card market. To get you started, here are some great low-rate credit card deals on offer from Australian banks and other card issuers now available on InfoChoice. Latitude Low Rate Mastercard credit card Latitude Financial‘s Low Rate Mastercard credit card has a purchase interest rate of 9.89 per cent pa with up to 55 days interest-free. This card has an annual fee of $69 and a cash advance rate of 18.89 per cent pa. This card also offers extended warranty protection and 90 days purchase protection insurance in case of theft or accidental damage of items bought using the card (terms and conditions apply). Virgin Money Low Rate Visa credit card Virgin Money‘s Low Rate Visa credit card has a purchase interest rate of 11.99 per cent pa with up to 44 days interest-free. This card has an annual fee of $49 and a cash advance rate of 21.69 per cent pa. This card also offers zero per cent on balances transferred for the first 14 months and 10 per cent cash back on your spend in the first three months from card approval, up to $100, terms and conditions apply. The NAB Low Rate Platinum Visa credit card The NAB Low Rate Platinum Visa credit card has a purchase interest rate of 13.99 per cent pa with up to 55 days interest-free. This card has an annual fee of $100 and a cash advance rate of 21.74 per cent pa. This card also offers zero per cent on balances transferred for the first 15 months with a 2 per cent balance transfer fee and seven complimentary insurances and a concierge service. The Citi Clear Platinum Credit Card The Citi Clear Platinum Credit Card has a purchase interest rate of 14.99 per cent pa with an annual fee of $99.00 and up to 55 days interest-free. This card has an annual fee of $99 and a cash advance rate of 22.24 per cent pa. The Citi Clear Platinum Credit Card offers zero per cent on balances transferred for 9 months with no balance transfer fee. The McGrath Pink Visa Credit Card The McGrath Pink Visa credit card from Community First Credit Union has one of Australia’s lowest credit card purchase rates at 8.99 per cent pa with an annual fee of $40 and up to 55 days interest-free. Half the annual fee of this card ($20) is donated to the McGrath Foundation to assist with research and prevention of breast cancer. Credit limits on this card starts at $1,000 and range up to $15,000. Credit card offers and deals change regularly and credit card issuers in Australia are constantly updating their specials and discounts. Compare the latest credit card deals with the best rates in Australia at InfoChoice. The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. If you or someone you know is in financial stress, contact the National Debt Helpline on 1800 007 007. InfoChoice compares financial products from 145 banks, credit unions and other financial institutions in Australia. InfoChoice does not compare every product in the market. Some institutions may have a commercial partnership with InfoChoice. Rates are provided by partners and taken from financial institutions websites. We believe all information to be accurate on the date published. InfoChoice strives to update and keep information as accurate as possible.