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Best Low Rate Credit Cards

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28 listings

Commonwealth Bank Low Fee

Commonwealth Bank Low Fee

4.0 from 45 reviews
Purchase Rate19.74% p.a.
Annual FeeA$29 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
    4.4 (36)
  • Rewards
    3.1 (12)
  • Online Experience
    4.4 (36)
  • Customer Service
    4.3 (36)
  • Rates and Fees
    3.9 (36)
  • Application Process
    4.4 (30)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$500
  • Maximum Credit Limit A$50,000
  • Minimum Income A$15,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Reduced First Year Annual Fee A$0
Latitude Gem Visa

Latitude Gem Visa

3.4 from 915 reviews
Purchase Rate24.99% p.a.
Annual FeeA$99 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

  • $99 Annual Fee

  • 3% International Transaction Fee

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

  • High 24.99% p.a. Purchase Rate

  • Transparency
    3.6 (553)
  • Rewards
    2.7 (208)
  • Online Experience
    3.6 (537)
  • Customer Service
    3.6 (568)
  • Rates and Fees
    3.4 (553)
  • Application Process
    4.0 (498)
  • Minimum Credit Limit A$1,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Introductory Rate 0% interest for 6 months on purchases over $250
Westpac Low Rate

Westpac Low Rate

3.6 from 59 reviews
Purchase Rate13.74% p.a.
Annual FeeA$59 p.a.
Interest Free Period 55 days
  • 0% p.a on Balance Transfers for 20 months

  • Low $59 Annual Fee & Low Interest Rate of 13.74% p.a. on purchases

  • One additional cardholder at no extra cost

  • $200 Cashback with $1,000 minimum spend within 90 days of card approval

  • 3% Foreign Transaction Fee

  • 1% Balance Transfer Fee

  • Transparency
    4.1 (39)
  • Rewards
    3.4 (21)
  • Online Experience
    4.3 (36)
  • Customer Service
    4.2 (40)
  • Rates and Fees
    3.8 (41)
  • Application Process
    4.2 (37)
  • BenefitsCashback Offer
  • Minimum Credit Limit A$500
  • Maximum Credit Limit A$25,000
  • Minimum Income A$15,000
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Latitude Low Rate Mastercard

Latitude Low Rate Mastercard

4.1 from 28 reviews
Purchase Rate9.89% p.a.
Annual FeeA$69 p.a.
Interest Free Period 55 days
  • $69 Annual Fee

  • Low Interest Rate of 9.89% 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)

  • Transparency
    4.1 (25)
  • Rewards
    4.2 (5)
  • Online Experience
    4.2 (24)
  • Customer Service
    4.1 (25)
  • Rates and Fees
    4.0 (25)
  • Application Process
    4.4 (24)
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
ANZ Low Rate

ANZ Low Rate

3.2 from 36 reviews
Purchase Rate12.49% p.a.
Annual FeeA$58 p.a.
Interest Free Period 55 days
  • Low Interest Rate of 12.49% p.a. on purchases

  • $0 Annual Account Fee in First Year, $58 in subsequent years

  • 0% on Balance Transfers for 22 months

  • Up to 3 Additional Cardholders at no additional cost

  • 3% Foreign Transaction Fee

  • 1.5% Balance Transfer Fee and rate reverts to the high Cash Advance Rate of 20.24% at the end of the offer period

  • Transparency
    4.1 (12)
  • Rewards
    2.8 (4)
  • Online Experience
    4.3 (11)
  • Customer Service
    4.2 (12)
  • Rates and Fees
    4.2 (12)
  • Application Process
    4.1 (9)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$1,000
  • Minimum Income A$15,000
  • Rewards ProgramANZ Rewards
  • Contactless PaymentsApple Pay and Google Pay
  • Reduced First Year Annual Fee A$0
Commonwealth Bank Low Rate
  • Award Winner 2020

Commonwealth Bank Low Rate

4.4 from 12 reviews
Purchase Rate13.24% p.a.
Annual FeeA$59 p.a.
Interest Free Period 55 days
  • 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

  • Transparency
    4.3 (7)
  • Rewards
    2.7 (3)
  • Online Experience
    4.3 (7)
  • Customer Service
    4.6 (7)
  • Rates and Fees
    4.4 (7)
  • Application Process
    4.5 (8)
  • BenefitsCashback Offer
  • Minimum Credit Limit A$500
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
American Express Essential

American Express Essential

2.5 from 114 reviews
Purchase Rate14.99% p.a.
Annual FeeA$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

  • Transparency
    3.6 (49)
  • Rewards
    3.5 (42)
  • Online Experience
    3.5 (46)
  • Customer Service
    3.7 (49)
  • Rates and Fees
    3.5 (47)
  • Application Process
    4.0 (40)
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$25,000
  • Minimum Income A$40,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
ING Orange One

ING Orange One

3.0 from 26 reviews
Purchase Rate11.99% p.a.
Annual FeeA$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

  • Transparency
    3.5 (20)
  • Rewards
    2.7 (10)
  • Online Experience
    3.5 (19)
  • Customer Service
    3.5 (21)
  • Rates and Fees
    4.3 (19)
  • Application Process
    3.6 (17)
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit A$1,000
  • Maximum Credit Limit A$30,000
  • Contactless PaymentsApple Pay
NAB Low Rate

NAB Low Rate

3.2 from 17 reviews
Purchase Rate12.99% p.a.
Annual FeeA$59 p.a.
Interest Free Period 55 days
  • $59 Annual Fee, 12.99% Standard Purchase Rate

  • 0% p.a. on Balance Transfers for 20 months

  • Minimum Credit Limit of $500

  • Add an Additional Cardholder at no extra cost

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • Transparency
    4.3 (7)
  • Rewards
    4.0 (2)
  • Online Experience
    4.7 (7)
  • Customer Service
    4.3 (7)
  • Rates and Fees
    4.0 (7)
  • Application Process
    4.3 (7)
  • Minimum Credit Limit A$500
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Coles Low Rate MasterCard

Coles Low Rate MasterCard

1.6 from 542 reviews
Purchase Rate12.99% p.a.
Annual FeeA$58 p.a.
Interest Free Period 55 days
  • Low $58 Annual Fee

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

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

  • 2.5% International Transaction Fee

  • Transparency
    3.1 (57)
  • Rewards
    3.3 (39)
  • Online Experience
    2.8 (57)
  • Customer Service
    2.5 (63)
  • Rates and Fees
    3.2 (59)
  • Application Process
    3.5 (54)
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$60,000
  • Minimum Income A$25,000
  • Rewards Programflybuys
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
Skye Mastercard

Skye Mastercard

1.4 from 121 reviews
Purchase Rate23.99% p.a.
Annual FeeA$99 p.a.
Interest Free Period 80 days
  • Up to 110 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

  • Transparency
    1.5 (110)
  • Rewards
    1.3 (50)
  • Online Experience
    1.7 (103)
  • Customer Service
    1.5 (110)
  • Rates and Fees
    1.6 (105)
  • Application Process
    2.4 (89)
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit A$1,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$25,000
  • Contactless PaymentsApple Pay
American Express Low Rate

American Express Low Rate

5.0 from 1 review
Purchase Rate8.99% p.a.
Annual FeeA$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

  • Rewards
    5.0 (1)
  • Online Experience
    5.0 (1)
  • Application Process
    5.0 (1)
  • Minimum Credit Limit A$1,000
  • Minimum Income A$50,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Commonwealth Bank Commbank Essentials

Commonwealth Bank Commbank Essentials

5.0 from 1 review
Purchase Rate9.90% p.a.
Annual FeeA$60 p.a.
Interest Free Period 55 days
  • 9.90% p.a Interest Rate on Purchases

  • Accessible Minimum Credit Limit of $400

  • $5 Monthly Fee ($2 if you choose online statements and set up automatic payments using AutoPay)

  • 3% International Transaction Fee

  • Maximum Credit Limit of $3,000 may be too low for you

  • Transparency
    4.0 (1)
  • Online Experience
    5.0 (1)
  • Customer Service
    4.0 (1)
  • Rates and Fees
    3.0 (1)
  • Application Process
    5.0 (1)
  • Minimum Credit Limit A$400
  • Maximum Credit Limit A$3,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
St.George Vertigo

St.George Vertigo

4.5 from 2 reviews
Purchase Rate13.99% p.a.
Annual FeeA$55 p.a.
Interest Free Period 55 days
  • 13.99% p.a. Interest Rate on purchases

  • 0% p.a. on Balance Transfers for 22 months

  • 0% p.a on Purchases for 7 months

  • 3% Foreign Transaction Fee

  • Transparency
    4.5 (2)
  • Rewards
    3.0 (1)
  • Online Experience
    4.0 (2)
  • Customer Service
    4.0 (2)
  • Rates and Fees
    4.0 (2)
  • Application Process
    4.5 (2)
  • BenefitsIntroductory Interest Rate and Reduced First Year Annual Fee
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Introductory Rate 0% p.a. for the first 7 months.
  • Reduced First Year Annual Fee A$0
Newcastle Permanent Value+

Newcastle Permanent Value+

4.5 from 2 reviews
Purchase Rate11.99% p.a.
Annual FeeA$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

  • Minimum Credit Limit A$500
  • Maximum Credit Limit A$20,000
  • Contactless PaymentsApple Pay and Samsung Pay
NAB Low Rate Platinum

NAB Low Rate Platinum

4.0 from 1 review
Purchase Rate13.99% p.a.
Annual FeeA$100 p.a.
Interest Free Period 55 days
  • 0% p.a on Balance Transfers for 6 months

  • Seven Complimentary Insurances, including Overseas Travel Insurance

  • $100 Annual Fee

  • 2% Balance Transfer Fee

  • 3% International Transaction Fee

  • Transparency
    5.0 (1)
  • Rewards
    4.0 (1)
  • Online Experience
    5.0 (1)
  • Customer Service
    5.0 (1)
  • Rates and Fees
    5.0 (1)
  • Application Process
    4.0 (1)
  • BenefitsComplimentary Travel Insurance and Introductory Interest Rate
  • Minimum Credit Limit A$6,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Bankwest Breeze Platinum Mastercard

Bankwest Breeze Platinum Mastercard

4.0 from 1 review
Purchase Rate12.99% p.a.
Annual FeeA$99 p.a.
Interest Free Period 55 days
  • $0 first year Annual Fee

  • 0% p.a. on Purchases for 15 months

  • No Foreign Transaction Fees

  • Complimentary Overseas Travel Insurance

  • $99 Annual Fee after your first year

  • No linked rewards program

  • Transparency
    4.0 (1)
  • Online Experience
    5.0 (1)
  • Customer Service
    5.0 (1)
  • Rates and Fees
    4.0 (1)
  • Application Process
    5.0 (1)
  • BenefitsComplimentary Travel Insurance, Introductory Interest Rate and No Foreign Transaction Fee
  • Minimum Credit Limit A$6,000
  • Contactless PaymentsApple Pay
  • Introductory Rate 0% pa for the first 15 months
ME Bank Frank Credit Card

ME Bank Frank Credit Card

3.4 from 9 reviews
Purchase Rate11.99% p.a.
Annual FeeA$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

  • Transparency
    3.8 (8)
  • Rewards
    1.5 (2)
  • Online Experience
    3.3 (7)
  • Customer Service
    4.3 (8)
  • Rates and Fees
    4.7 (7)
  • Application Process
    4.0 (6)
  • Minimum Credit Limit A$1,000
  • Minimum Income A$25,000
Commonwealth Bank Low Rate Gold

Commonwealth Bank Low Rate Gold

3.4 from 8 reviews
Purchase Rate13.24% p.a.
Annual FeeA$89 p.a.
Interest Free Period 55 days
  • Relatively low 13.24% purchase interest rate

  • Included International Travel Insurance

  • 3% International Transaction Fee

  • No attached rewards program

  • Transparency
    3.2 (5)
  • Rewards
    2.0 (1)
  • Online Experience
    4.4 (5)
  • Customer Service
    3.6 (5)
  • Rates and Fees
    3.4 (5)
  • Application Process
    3.4 (5)
  • BenefitsComplimentary Travel Insurance and Introductory Interest Rate
  • Minimum Credit Limit A$4,000
  • Maximum Credit Limit A$50,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
HSBC Low Rate Credit Card

HSBC Low Rate Credit Card

2.7 from 3 reviews
Purchase Rate12.99% p.a.
Annual FeeA$99 p.a.
Interest Free Period 55 days
  • Low Interest Rate of 12.99% p.a. on purchases

  • No Overseas Transaction Fees

  • 0% p.a. on Balance Transfers for 20 months

  • Complimentary Domestic Travel Insurance

  • Accessible Minimum Credit Limit of $1,000

  • $99 Annual Fee

  • 2% Balance Transfer Fee

  • No attached rewards program

  • Transparency
    2.3 (3)
  • Rewards
    1.0 (1)
  • Online Experience
    2.0 (3)
  • Customer Service
    2.7 (3)
  • Rates and Fees
    2.7 (3)
  • Application Process
    2.5 (2)
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit A$1,000
  • Minimum Income A$20,000
  • Contactless PaymentsApple Pay and Google Pay
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