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Low Rate & Zero Interest Credit Cards in Western Australia Perth

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31 listings


Latitude Gem Visa
Purchase Rate24.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 24.99% p.a.
  • Annual Fee: $99 p.a.
  • Interest Free Period : 55 days
  • 6 Months Interest Free on purchases over $250 with participating retailers

  • $99 Annual Fee

  • 3% International Transaction Fee

  • Payment Handling Fees ($0.95 online, $2.50 in person)

  • High 24.99% p.a. Purchase Rate


Westpac Low Rate
Purchase Rate13.49% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : $25,000
  • Minimum Income : $15,000
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 13.49% p.a.
  • Annual Fee: $59 p.a.
  • Interest Free Period : 55 days
  • $250 cash back to your account when you spend $800 or more within 90 days of card approval if you apply by 15 October 2019

  • Low $59 Annual Fee

  • Low Interest Rate of 13.74% on purchases

  • One additional cardholder at no extra cost

  • 3% Foreign Transaction Fee


ANZ Low Rate
Purchase Rate12.49% p.a.
Annual Fee$58 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Minimum Credit Limit : $1,000
  • Minimum Income : $15,000
  • Rewards Program: ANZ Rewards
  • Contactless Payments: Apple Pay and Google Pay
  • Purchase Rate: 12.49% p.a.
  • Annual Fee: $58 p.a.
  • Interest Free Period : 55 days
  • Low Interest Rate of 12.49% p.a. on purchases

  • Low Annual Fee of $58

  • 0% on Balance Transfers for 15 months & No Balance Transfer Fee

  • Up to 3 Additional Cardholders at no additional cost

  • 3% Foreign Transaction Fee

  • Balance Transfers revert to the high Cash Advance Rate of 20.24% at the end of the offer period


Commonwealth Bank Low Fee
Purchase Rate19.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : $50,000
  • Minimum Income : $15,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 19.74% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • Reduced First Year Annual Fee : $0.00
  • $0 annual fee when you spend $1,000

  • Minimum credit limit of $500

  • No points program

  • Not good for international transactions (fees apply)


NAB Low Rate
Purchase Rate13.99% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Introductory Interest Rate
  • Minimum Credit Limit : $500
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 13.99% p.a.
  • Annual Fee: $59 p.a.
  • Interest Free Period : 55 days
  • Introductory Rate : 0% p.a. on purchases for 6 months
  • $59 Annual Fee, 13.99% Standard Purchase Rate

  • 0% p.a. on Purchases and Balance Transfers for 6 months

  • Minimum Credit Limit of $500

  • Add an Additional Cardholder at no extra cost

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • Balance Transfer Rate at the end of the offer period reverts to the Cash Advance Rate of 21.74% p.a.


American Express Essential
Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: American Express
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $40,000
  • Rewards Program: American Express Membership Rewards
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 14.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • $0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases

  • Earn up to 1.25 Membership Rewards Points per $1

  • 0% p.a. on Balance Transfers for the first 12 months

  • Smartphone Screen Insurance

  • Add up to 4 Additional Cards at no extra cost

  • 3% Balance Transfer Fee

  • 3% Currency Conversion Fee


Coles Low Rate MasterCard
Purchase Rate12.99% p.a.
Annual Fee$58 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $60,000
  • Minimum Income : $25,000
  • Rewards Program: flybuys
  • Points Earn Rates : 0.5 points per $1
  • Purchase Rate: 12.99% p.a.
  • Annual Fee: $58 p.a.
  • Interest Free Period : 55 days
  • 0% on Balance Transfers for 15 months

  • Low $58 Annual Fee

  • Low 12.99% p.a. Interest Rate on purcahes

  • flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1

  • 2.5% International Transaction Fee


ING Orange One
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 45 days
  • Card Type: Visa
  • Benefits: No Foreign Transaction Fee
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $30,000
  • Contactless Payments: Apple Pay
  • Purchase Rate: 11.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 45 days
  • No Annual Fee

  • Set up instalment payments for a reduced rate

  • Accessible $1,000 minimum credit limit

  • "No International Transaction Fee" is conditional


American Express Low Rate
Purchase Rate8.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: American Express
  • Minimum Credit Limit : $1,000
  • Minimum Income : $50,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 8.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • $0 Annual Fee

  • Low Interest Rate of 8.99% on purchases

  • 0% p.a. on Balance Transfers for the first 12 months

  • Add up to 4 Additional Cards at no extra cost

  • 1% Balance Transfer Fee

  • 3% Currency Conversion Fee

  • No attached rewards program


ME Bank Frank Credit Card
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Minimum Credit Limit : $1,000
  • Minimum Income : $25,000
  • Purchase Rate: 11.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • $0 Annual Fee

  • 11.99% p.a. Variable Interest Rate

  • Accessible Minimum Credit Limit of $1,000

  • 1.5% International Transaction Fee

  • 0.8% Mastercard Cross-border Fee

  • No attached rewards program


Latitude Low Rate Mastercard
Purchase Rate11.99% p.a.
Annual Fee$69 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 11.99% p.a.
  • Annual Fee: $69 p.a.
  • Interest Free Period : 55 days
  • $69 Annual Fee

  • Low Interest Rate of 11.99% on purchases & up to 55 days interest free

  • Price Protection (buy now and if the price drops within 30 days, the difference will be refunded)

  • Purchase Protection (if an eligible purchase is accidentally damaged or stolen within 90 days, Latitude Financial Services will help repair or replace it)

  • Extended Warranty (1 year extra warranty on eligible purchases that have an existing one-to-two-year manufacturer's warranty)

  • 3% International Transaction Fee

  • Payment Handling Fees ($0.95 online including BPAY, $2.50 in person)


Newcastle Permanent Value+
Purchase Rate11.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : $20,000
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 11.99% p.a.
  • Annual Fee: $49 p.a.
  • Interest Free Period : 55 days
  • Low 11.99% Interest Rate on Purchases, Cash Advances and Balance Transfers

  • Low $49 Annual Fee

  • Accessible Minimum Credit Limit of $500

  • Add up to 3 Additional Cards at no extra cost

  • 3% Foreign Currency Conversion Fee

  • No attached rewards program


Commonwealth Bank Low Rate
Purchase Rate13.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Minimum Credit Limit : $500
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 13.24% p.a.
  • Annual Fee: $59 p.a.
  • Interest Free Period : 55 days
  • Up to $300 cashback on offer if you apply by 31 October 2019

  • Low purchase interest rate of 13.24%

  • Accessible minimum credit limit of $500

  • $59 Annual Fee

  • 3% International Transaction Fee

  • No attached rewards program

  • 5.99% p.a. on Balance Transfers for 5 months, reverting to the high Cash Advance Rate of 21.24% thereafter


Commonwealth Bank Low Rate Gold
Purchase Rate13.24% p.a.
Annual Fee$89 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: Cashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $4,000
  • Maximum Credit Limit : $50,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 13.24% p.a.
  • Annual Fee: $89 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : $200 Cashback when you apply by 31 July and spend $500 by 31 October
  • Up to $300 cashback on offer if you apply by 31 October 2019

  • Relatively low 13.24% purchase interest rate

  • Included International Travel Insurance

  • 3% International Transaction Fee

  • No attached rewards program


Citibank Citi Clear Platinum
Purchase Rate14.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Reduced First Year Annual Fee
  • Maximum Credit Limit : $100,000
  • Minimum Income : $35,000
  • Rewards Program: Citi Rewards
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 14.99% p.a.
  • Annual Fee: $99 p.a.
  • Interest Free Period : 55 days
  • Reduced First Year Annual Fee : $99.00
  • No Annual Fee in your first year

  • Low Purchase Rate of 12.99% p.a.

  • 0% p.a. on Balance Transfers for the first 14 months

  • Complimentary Purchase Cover and Extended Warranty Insurance

  • $99 Annual Fee after your first year

  • 3.4% International Transaction Fee

  • No attached rewards program


Skye Mastercard
Purchase Rate23.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 90 days
  • Card Type: Mastercard
  • Benefits: No Foreign Transaction Fee
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $25,000
  • Contactless Payments: Apple Pay
  • Purchase Rate: 23.99% p.a.
  • Annual Fee: $99 p.a.
  • Interest Free Period : 90 days
  • 90 days Interest Free on everyday purchases

  • 9, 12 or 15 month Interest Free Instalment Plans to choose from (minimum finance amounts apply)

  • No International Transaction Fees

  • Motion Code Technology

  • $99 Annual Fee

  • Establishment Fee for Interest Free Instalment Plans ranges from 3% - 5%

  • Payment Handling Fee - $0.95 charged each time a payment is made via BPAY


Bank of Queensland Low Rate Visa
Purchase Rate13.49% p.a.
Annual Fee$55 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Minimum Income : $25,000
  • Contactless Payments: Samsung Pay
  • Purchase Rate: 13.49% p.a.
  • Annual Fee: $55 p.a.
  • Interest Free Period : 55 days
  • Relatively low 13.49% p.a. Interest Rate on purchases and $55 Annual Fee

  • 0% p.a. on Balance Transfers for 14 months if you apply by 30 Sep 2019

  • 3.4% International Transaction Fee

  • No attached rewards program


Suncorp Clear Options Standard
Purchase Rate12.74% p.a.
Annual Fee$55 p.a.
Interest Free Period 0 days
  • Card Type: Visa
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $20,000
  • Minimum Income : $20,000
  • Contactless Payments: Samsung Pay
  • Purchase Rate: 12.74% p.a.
  • Annual Fee: $55 p.a.
  • Interest Free Period : 0 days
  • Relatively low standard Interest Rate of 12.74% p.a. on purchases

  • NIL interest free days on purchases

  • 3.4% International Transaction Fee

  • No attached rewards program


Virgin Money Low Rate
Purchase Rate11.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Benefits: Cashback Offer
  • Minimum Credit Limit : $6,000
  • Minimum Income : $35,000
  • Contactless Payments: Samsung Pay
  • Purchase Rate: 11.99% p.a.
  • Annual Fee: $49 p.a.
  • Interest Free Period : 44 days
  • Purchase Rate of 11.9% p.a.

  • $49 Annual Fee

  • 0% p.a. for the first 14 months on Balance Transfers

  • 3.3% International Transaction Fee

  • Balance Transfers revert to a high Cash Advance Rate of 21.69% after the offer period ends

  • You can't earn Velocity Points even though this card is issued by Virgin


BankWest Low Rate Business Mastercard
Purchase Rate11.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $25,000
  • Contactless Payments: Apple Pay and Google Pay
  • Purchase Rate: 11.99% p.a.
  • Annual Fee: $99 p.a.
  • Interest Free Period : 55 days
  • 11.99% p.a. Interest Rate on Purchases, Balance Transfers and Cash Advances

  • Add up to 3 Additional Cardholders under one monthly account

  • $99 Annual Fee

  • 2.95% Foreign Transaction Fee


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