Best Low Rate Credit Cards

Brand
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Rating
Card Type
Purchase Rate
8.99% p.a.
Annual Fee
$108 p.a.
Interest Free Period
Benefits
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Minimum Credit Limit
$500
Rewards Program
Points Earn Rate
0.5 points per $1
Introductory Rate Period
6 months
Contactless Payments

Based on 2,685 reviews
Latitude Gem Visa

Latitude Gem Visa

3.2  (1,103)
 Summary
  • Purchase Rate23.95% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
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K V.
K V.91 posts
 
Commonwealth Bank Low Fee

Commonwealth Bank Low Fee

3.8  (49)
 Summary
  • Purchase Rate19.74% p.a.
  • Annual Fee$29 p.a.
  • Interest Free Period 55 days
Mayur
Mayur6 posts
 
Westpac Low Rate

Westpac Low Rate

3.6  (61)
 Summary
  • Purchase Rate13.74% p.a.
  • Annual Fee$59 p.a.
  • Interest Free Period 55 days
Azadeh S.
Azadeh S.VIC2 posts
 
ANZ Low Rate

ANZ Low Rate

3.1  (37)
 Summary
  • Purchase Rate12.49% p.a.
  • Annual Fee$58 p.a.
  • Interest Free Period 55 days
Lazy guy
Lazy guyVIC48 posts
 
Cannot increase above $1000I had been with ANZ credit card for long time, no bad credit. always paid balance in full within 2 or 3 weeks. I applied westpac and nab credit cards and got approved much much higher. ANZ won't increase and I got really upset and closed anz credit card. why should i pay yearly fee if cannot increase beyond 1k? Ridiculous system. Show details
Commonwealth Bank Low Rate

Commonwealth Bank Low Rate

4.2  (13)
 Summary
  • Purchase Rate13.24% p.a.
  • Annual Fee$59 p.a.
  • Interest Free Period 55 days
Modasser
ModasserNSW9 posts
 
CBA made me pay ATO my due amount which i was planning to pay after 6 months. And then declined my credit applicationCBA made me pay ATO my due amount which i was planning pay after 6 months. And then declined my credit application.
Why you asked me to pay ATO if you were going to decline my application ? Show details
Latitude Low Rate Mastercard

Latitude Low Rate Mastercard

2.9  (52)
 Summary
  • Purchase Rate9.89% p.a.
  • Annual Fee$69 p.a.
  • Interest Free Period 55 days
Gecko1968
Gecko1968Canberra5 posts
 
Hopeless customer serviceEverything is fine until you have a problem or need to speak to someone. Then, good luck with the overseas call centre. Show details
humm90 Mastercard

humm90 Mastercard

2.3  (504)
 Summary
  • Purchase Rate24.99% p.a.
  • Annual Fee$99 p.a.
  • Interest Free Period 110 days
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Steven B
Steven B2 posts
 
LiarsIf I could give zero I would. Requested account closure to acquire a personal loan. Paid the account out in full and it took them over 10 business days to finally close my account which resulted in my personal loan falling through. Customer service provided no help and instead would just lie to me about the status of my account closure. Show details
humm90
humm90   DM   
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American Express Essential

American Express Essential

2.2  (141)
 Summary
  • Purchase Rate14.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Kumar
KumarNSW
 
Amex supporting fraud company kiwi.com who cheats lot of customersI booked flight ticket with kiwi.com, it cancelled flight with out giving any refund. When I contacted amex as I have buyer protection policy. I didn't get any response from amex. Show details
ING Orange One

ING Orange One

2.6  (38)
 Summary
  • Purchase Rate11.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 45 days
Rambler 101
Rambler 10113 posts
 
LOOK FOR OTHER OPTIONSING: REJECTS long standing loyal customer, with impeccable record of credit card repayments. ING DISREGARDS customer's personal assets and extensive Savings and Retirement accounts incomes and balances, deeming customer unacceptable.
Don't bother applying, look elsewhere and save yourself from the unpleasant experience of an ING rejection! Show details
NAB Low Rate

NAB Low Rate

3.0  (19)
 Summary
  • Purchase Rate12.99% p.a.
  • Annual Fee$59 p.a.
  • Interest Free Period 55 days
Romit
RomitNSW14 posts
  Verified
No BT available. You will be declined & refused appI applied for NAB credit card because of Balance Transfer (BT) and low rate card.
But got refused even I’ve good job and bank balance.

Simply they will throw out many advertisements and encourage you to open bank account but simply they will refuse your credit card and spoil your rating.

Such a cheap and pathetic bank…
Please don’t trust them. Show details

ME Bank Frank Credit Card

ME Bank Frank Credit Card

2.6  (14)
 Summary
  • Purchase Rate11.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Mesk
MeskNSW4 posts
 
ME (Members Equity) Bank
ME (Members Equity) Bank   DM   
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Commonwealth Bank Low Rate Gold

Commonwealth Bank Low Rate Gold

3.1  (9)
 Summary
  • Purchase Rate13.24% p.a.
  • Annual Fee$89 p.a.
  • Interest Free Period 55 days
TAV
TAVQLD10 posts
 
Coles Low Rate MasterCard

Coles Low Rate MasterCard

1.6  (553)
 Summary
  • Purchase Rate12.99% p.a.
  • Annual Fee$58 p.a.
  • Interest Free Period 55 days
Ronnie
RonnieNSW36 posts
 
Jetstar Credit Card

Jetstar Credit Card

1.7  (66)
 Summary
  • Purchase Rate19.99% p.a.
  • Annual Fee$29 p.a.
Margarita P.
Margarita P.NSW
  Credit Card
Suncorp Clear Options Standard

Suncorp Clear Options Standard

2.3  (7)
 Summary
  • Purchase Rate12.74% p.a.
  • Annual Fee$55 p.a.
  • Interest Free Period 0 days
Nick
NickNSW43 posts
 
Good Credit CardI have 8.74% on this credit card, has no interest free days but is a good card to have as a backup.

I haven't had to use it overseas, but have used it as a backup to buy appliances and pay it off etc. Show details

St.George Vertigo

St.George Vertigo

4.5  (2)
 Summary
  • Purchase Rate13.99% p.a.
  • Annual Fee$55 p.a.
  • Interest Free Period 55 days
Stacey
StaceySA
  Fair Incentive Verified
Newcastle Permanent Value+

Newcastle Permanent Value+

4.5  (2)
 Summary
  • Purchase Rate11.99% p.a.
  • Annual Fee$49 p.a.
  • Interest Free Period 55 days
cheryl.mclean
cheryl.mcleanAustralia3 posts
 
ExcellentI like everything about Newcastle Perm. Great staff. Great products. absolutley nothing to dislike about it. Always available to help etc.

HSBC Low Rate Credit Card

HSBC Low Rate Credit Card

2.7  (3)
 Summary
  • Purchase Rate12.99% p.a.
  • Annual Fee$99 p.a.
  • Interest Free Period 55 days
Sarah Guinevere H.
Sarah Guinevere H.TAS2 posts
 
American Express Low Rate

American Express Low Rate

5.0  (1)
 Summary
  • Purchase Rate8.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Gbenga
GbengaQLD7 posts
  Fair Incentive
Great credit card linked to PayPalGreat card if you pay your bills on time. We pay by direct debit so we are not slugged with charges. We link it to our PayPal payment and so we are able to pay for products that the sellers would not normally accept Amex. Their reward scheme is also great and reliable. Show details
Westpac Lite

Westpac Lite

5.0  (1)
 Summary
  • Purchase Rate9.90% p.a.
  • Annual Fee$108 p.a.
  • Interest Free Period 45 days
Hafiz Abdur Rehman
Hafiz Abdur RehmanVIC4 posts
 
Low fee credit card with excellent cashback offerI recently got this low rate mastercard from Westpac, they are currently running a 250 dollar cash back offer when you meet the certain criteria. I think it is an excellent card with a low yearly fees. They have an excellent online process and you can do everything in few minutes. Show details
Bankwest Breeze Platinum Mastercard

Bankwest Breeze Platinum Mastercard

4.0  (1)
 Summary
  • Purchase Rate12.99% p.a.
  • Annual Fee$69 p.a.
  • Interest Free Period 55 days
Hemsley
HemsleyQLD12 posts
 
Bank of Queensland Low Rate Visa

Bank of Queensland Low Rate Visa

2.0  (2)
 Summary
  • Purchase Rate13.49% p.a.
  • Annual Fee$55 p.a.
  • Interest Free Period 55 days
Ross Clark
Ross ClarkWA82 posts
 
Virgin Money Low Rate

Virgin Money Low Rate

1.0  (6)
 Summary
  • Purchase Rate11.99% p.a.
  • Annual Fee$99 p.a.
  • Interest Free Period 44 days
Michael
MichaelQLD7 posts
 
Great Southern Bank Low Rate Credit Card

Great Southern Bank Low Rate Credit Card

1.0  (1)
 Summary
  • Purchase Rate11.99% p.a.
  • Interest Free Period 55 days
TDD
TDDQLD19 posts
  Verified
Great Southern Bank
Great Southern Bank   DM   
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Bankwest Breeze Classic Mastercard

Bankwest Breeze Classic Mastercard

No reviews
 Summary
  • Purchase Rate10.99% p.a.
  • Annual Fee$79 p.a.
  • Interest Free Period 55 days

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