?
? !

Best Low Rate Credit Cards

Go to first result

28 listings

Latitude Gem Visa

Latitude Gem Visa

3.4 from 1,022 reviews
Purchase Rate24.99% p.a.
Annual Fee$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 (650)
  • Customer Service
    3.6 (667)
  • Rates and Fees
    3.4 (643)
  • Rewards
    2.7 (236)
  • Online Experience
    3.6 (621)
  • Application Process
    4.1 (579)
  • Foreign Transaction Fee 3%
  • Minimum Credit Limit $1,000
  • Introductory Rate 0% interest for 6 months on purchases over $250
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Commonwealth Bank Low Fee

Commonwealth Bank Low Fee

4.0 from 45 reviews
Purchase Rate19.74% p.a.
Annual Fee$29 p.a.
Interest Free Period 55 days
  • $150 cashback if you apply by 30 June 2021 and spend $1,000 on purchases by 30 September 2021

  • $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)
  • Customer Service
    4.3 (36)
  • Rates and Fees
    3.9 (36)
  • Rewards
    3.1 (12)
  • Online Experience
    4.4 (36)
  • Application Process
    4.4 (30)
  • Foreign Transaction Fee 3%
  • BenefitsCashback Offer, Introductory Interest Rate and Reduced First Year Annual Fee
  • Minimum Credit Limit $500
  • Maximum Credit Limit $50,000
  • Minimum Income $15,000
  • Introductory Rate 0% p.a. for the first 15 months
  • Reduced First Year Annual Fee $0
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Westpac Low Rate

Westpac Low Rate

3.6 from 59 reviews
Purchase Rate13.74% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • 0% p.a on Balance Transfers for 24 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)
  • Customer Service
    4.2 (40)
  • Rates and Fees
    3.8 (41)
  • Rewards
    3.4 (21)
  • Online Experience
    4.3 (36)
  • Application Process
    4.2 (37)
  • Foreign Transaction Fee 3%
  • BenefitsCashback Offer
  • Minimum Credit Limit $500
  • Maximum Credit Limit $25,000
  • Minimum Income $15,000
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Latitude Low Rate Mastercard

Latitude Low Rate Mastercard

4.0 from 32 reviews
Purchase Rate9.89% p.a.
Annual Fee$69 p.a.
Interest Free Period 55 days
ANZ Low Rate

ANZ Low Rate

3.2 from 36 reviews
Purchase Rate12.49% p.a.
Annual Fee$58 p.a.
Interest Free Period 55 days
Related Articles
Previous

What you need to know about store finance credit cards

A store credit card can help if you need to make an emergency purchase but you don’t have the money. Read on to learn how store credit cards work and discover what to watch out for.

Avleen M.
Avleen M.7 Aug 2020
what-you-need-to-know-about-store-finance-credit-cards

Best Credit Cards in 2020!

Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. These are the best credit cards this year, as decided by ProductReview.com.au reviewers.

Wendy Z.
Wendy Z.19 Nov 2019
best-credit-cards-in-2020

What Is Peer-To-Peer Lending?

Peer-to-peer lending is quickly gaining popularity among Australian borrowers and investors. If you've never heard of it before, this 2 minute read will give you a quick rundown so you can decide if P2P lending is right for you.

Nathan S.
Nathan S.14 Nov 2019
what-is-peer-to-peer-lending
Next
Commonwealth Bank Low Rate
  • Award Winner 2020

Commonwealth Bank Low Rate

4.4 from 12 reviews
Purchase Rate13.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
American Express Essential

American Express Essential

2.4 from 122 reviews
Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
ING Orange One

ING Orange One

2.9 from 28 reviews
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 45 days
NAB Low Rate

NAB Low Rate

3.1 from 16 reviews
Purchase Rate12.99% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
ME Bank Frank Credit Card

ME Bank Frank Credit Card

2.8 from 12 reviews
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
Coles Low Rate MasterCard

Coles Low Rate MasterCard

1.6 from 546 reviews
Purchase Rate12.99% p.a.
Annual Fee$58 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 p.a.
humm90 Mastercard

humm90 Mastercard

1.5 from 201 reviews
Purchase Rate23.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 80 days
American Express Low Rate

American Express Low Rate

5.0 from 1 review
Purchase Rate8.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
Commonwealth Bank Commbank Essentials

Commonwealth Bank Commbank Essentials

5.0 from 1 review
Purchase Rate9.90% p.a.
Annual Fee$60 p.a.
Interest Free Period 55 days
Related Articles
Previous

How to get in front of credit card debt with a credit card balance transfer.

Credit card balance transfers are becoming an increasingly popular way for people with growing credit card debts to manage their finances. But are they really a magic bullet? We're going to look at the ins and outs of credit balance transfers, so you can find the best way to manage credit card debt and get your finances back in the black.

Nathan S.
Nathan S.12 Nov 2019
how-to-get-in-front-of-credit-card-debt-with-a-credit-card-balance-transfer

Best Super Funds in 2020!

A good super fund can make a substanial difference to the amount you retire with. From retail super funds to self managed super funds, view reviewer ratings for the best super funds of 2020!

Wendy Z.
Wendy Z.7 Nov 2019
best-super-funds-in-2020
Next
Westpac Lite

Westpac Lite

5.0 from 1 review
Purchase Rate9.90% p.a.
Annual Fee$108 p.a.
Interest Free Period 45 days
St.George Vertigo

St.George Vertigo

4.5 from 2 reviews
Purchase Rate13.99% p.a.
Annual Fee$55 p.a.
Interest Free Period 55 days
Newcastle Permanent Value+

Newcastle Permanent Value+

4.5 from 2 reviews
Purchase Rate11.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
Bankwest Breeze Platinum Mastercard

Bankwest Breeze Platinum Mastercard

4.0 from 1 review
Purchase Rate12.99% p.a.
Annual Fee$69 p.a.
Interest Free Period 55 days
Commonwealth Bank Low Rate Gold

Commonwealth Bank Low Rate Gold

3.1 from 9 reviews
Purchase Rate13.24% p.a.
Annual Fee$89 p.a.
Interest Free Period 55 days
Page 1 of 2