Best Low Rate Credit Cards

29 listings
Commonwealth Bank Low Fee
3.9 from 46 reviews
Purchase Rate19.74% p.a.
Annual Fee$29.00 p.a.
Interest Free Period 55 days
$0 Annual Fee in the first year and waived in subsequent years when you spend $1,000 or more on purchases or cash advances in the previous year
Minimum credit limit of $500
3% International Transaction Fee
No attached rewards program
  • Transparency
    4.3 (37)
  • Customer Service
    4.2 (37)
  • Rates and Fees
    3.8 (37)
  • Rewards
    2.9 (13)
  • Online Experience
    4.3 (37)
  • Application Process
    4.3 (31)
  • Foreign Transaction Fee 3%
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $500.00
  • Maximum Credit Limit $50,000.00
  • Minimum Income $15,000.00
  • Introductory Rate 0% p.a. for the first 15 months
  • Reduced First Year Annual Fee $0.00
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Latitude Gem Visa
3.3 from 1,061 reviews
Purchase Rate21.45% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
6 Months Interest Free on purchases over $250 with participating retailers
Three 0% Interest Payment Plans to choose from
No Annual Fee
Monthly Account Service fee of $8.95, applied to balances of $10 or more
3% International Transaction Fee
Payment Handling Fees ($0.95 online, $2.50 in person)
High 21.45% p.a. Purchase Rate
  • Transparency
    3.6 (678)
  • Customer Service
    3.5 (699)
  • Rates and Fees
    3.3 (666)
  • Rewards
    2.5 (256)
  • Online Experience
    3.5 (649)
  • Application Process
    4.0 (601)
  • Foreign Transaction Fee 3%
  • Minimum Credit Limit $1,000.00
  • Introductory Rate 0% interest for 6 months on purchases over $250
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Westpac Low Rate
3.6 from 60 reviews
Purchase Rate13.74% p.a.
Annual Fee$59.00 p.a.
Interest Free Period 55 days
$400 Cashback with $1,000 minimum spend within 90 days of card approval
Low $59 Annual Fee & Low Interest Rate of 13.74% p.a. on purchases
One additional cardholder at no extra cost
0% p.a on Balance Transfers for 28 months
3% Foreign Transaction Fee
1% Balance Transfer Fee
  • Transparency
    4.0 (40)
  • Customer Service
    4.1 (41)
  • Rates and Fees
    3.7 (42)
  • Rewards
    3.4 (21)
  • Online Experience
    4.2 (37)
  • Application Process
    4.2 (37)
  • Foreign Transaction Fee 3%
  • BenefitsCashback Offer
  • Minimum Credit Limit $500.00
  • Maximum Credit Limit $25,000.00
  • Minimum Income $15,000.00
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Latitude Low Rate Mastercard
3.3 from 42 reviews
Purchase Rate9.89% p.a.
Annual Fee$69.00 p.a.
Interest Free Period 55 days
Commonwealth Bank Low Rate
4.4 from 12 reviews
Purchase Rate13.24% p.a.
Annual Fee$59.00 p.a.
Interest Free Period 55 days

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ANZ Low Rate
3.1 from 37 reviews
Purchase Rate12.49% p.a.
Annual Fee$58.00 p.a.
Interest Free Period 55 days
ING Orange One
2.8 from 29 reviews
Purchase Rate11.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 45 days
American Express Essential
2.3 from 136 reviews
Purchase Rate14.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
NAB Low Rate
3.1 from 18 reviews
Purchase Rate12.99% p.a.
Annual Fee$59.00 p.a.
Interest Free Period 55 days
humm90 Mastercard
2.1 from 347 reviews
Purchase Rate23.99% p.a.
Annual Fee$99.00 p.a.
Interest Free Period 80 days
ME Bank Frank Credit Card
2.7 from 13 reviews
Purchase Rate11.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
Commonwealth Bank Low Rate Gold
Purchase Rate13.24% p.a.
Annual Fee$89.00 p.a.
Interest Free Period 55 days
Coles Low Rate MasterCard
1.6 from 550 reviews
Purchase Rate12.99% p.a.
Annual Fee$58.00 p.a.
Interest Free Period 55 days
Jetstar Credit Card

Jetstar Credit Card

 · includes 2 listings
1.7 from 66 reviews
Purchase Rate19.99% p.a.
Annual Fee$29.00 p.a.
Suncorp Clear Options Standard
Purchase Rate12.74% p.a.
Annual Fee$55.00 p.a.
Interest Free Period 0 days

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St.George Vertigo
4.5 from 2 reviews
Purchase Rate13.99% p.a.
Annual Fee$55.00 p.a.
Interest Free Period 55 days
Newcastle Permanent Value+
4.5 from 2 reviews
Purchase Rate11.99% p.a.
Annual Fee$49.00 p.a.
Interest Free Period 55 days
HSBC Low Rate Credit Card
2.7 from 3 reviews
Purchase Rate12.99% p.a.
Annual Fee$99.00 p.a.
Interest Free Period 55 days
American Express Low Rate
5.0 from 1 review
Purchase Rate8.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
Commonwealth Bank Commbank Essentials
Purchase Rate9.90% p.a.
Annual Fee$60.00 p.a.
Interest Free Period 55 days
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