??!

Low Rate Credit Cards

Go to first result

31 listings


Skye Mastercard

Skye Mastercard

1.6 from 28 reviews
Purchase Rate23.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 90 days
  • Benefits: No Foreign Transaction Fee
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $25,000
  • Contactless Payments: Apple Pay
  • 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


Latitude Gem Visa

Latitude Gem Visa

3.3 from 610 reviews
Purchase Rate24.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 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


Coles Low Rate MasterCard

Coles Low Rate MasterCard

1.6 from 530 reviews
Purchase Rate12.99% p.a.
Annual Fee$58 p.a.
Interest Free Period 55 days
  • Benefits: Introductory Interest Rate
  • 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
  • Contactless Payments: Apple Pay and Samsung Pay
  • Introductory Rate : 0% p.a. for the first 12 months
  • 0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020

  • 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

ING Orange One

3.1 from 25 reviews
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 45 days
  • Benefits: No Foreign Transaction Fee
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $30,000
  • Contactless Payments: Apple Pay
  • 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 Essential

American Express Essential

2.5 from 105 reviews
Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 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
  • $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


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
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : $20,000
  • Contactless Payments: Apple Pay and Samsung Pay
  • 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 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
  • 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
  • Reduced First Year Annual Fee : $0
  • $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


Jetstar Mastercard

Jetstar Mastercard · includes 2 listings

1.7 from 63 reviews
Purchase Rate14.99% p.a.
Annual Fee$69 p.a.
Interest Free Period At least 55 days
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $30,000
  • Rewards Program: Jetstar Dollars and Qantas Frequent Flyer
  • Reduced First Year Annual Fee : $0
  • Flexibility to choose between Jetstar Dollars or Qantas Frequent Flyer rewards

  • Low 14.99% purchase rate

  • No booking fees on jetstar.com

  • $69 annual fee after the first year

  • Relatively low QFF points earn rate (0.5 points per $1)

  • $10,000 spend required to receive a $100 Jetstar travel voucher


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
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : $25,000
  • Minimum Income : $15,000
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 0% p.a on Balance Transfers for 16 months & No Balance Transfer Fee

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

  • One additional cardholder at no extra cost

  • 3% Foreign Transaction Fee


Latitude Low Rate Mastercard

Latitude Low Rate Mastercard

4.3 from 13 reviews
Purchase Rate9.89% p.a.
Annual Fee$69 p.a.
Interest Free Period 55 days
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • $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)


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
  • Benefits: Cashback Offer
  • Minimum Credit Limit : $500
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Up to $300 cashback on offer if you apply by 30 April 2020

  • 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


ME Bank Frank Credit Card

ME Bank Frank Credit Card

3.6 from 7 reviews
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $1,000
  • Minimum Income : $25,000
  • $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


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
  • Minimum Credit Limit : $1,000
  • Minimum Income : $15,000
  • Rewards Program: ANZ Rewards
  • Contactless Payments: Apple Pay and Google Pay
  • 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


NAB Low Rate

NAB Low Rate

3.1 from 16 reviews
Purchase Rate13.99% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Benefits: Introductory Interest Rate
  • Minimum Credit Limit : $500
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 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 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
  • Minimum Credit Limit : $1,000
  • Minimum Income : $50,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • $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


Westpac Lite

Westpac Lite

5.0 from 1 review
Purchase Rate9.90% p.a.
Annual Fee$108 p.a.
Interest Free Period 45 days
  • Benefits: No Foreign Transaction Fee
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Variable Purchase Rate of 9.90% p.a.

  • No Foreign Transaction Fees

  • Accessible Minimum Credit Limit of $500

  • One Additional Cardholder at no extra cost

  • $9 Monthly Card Fee (equivalent to $108 each year)

  • No attached rewards program

  • Maximum Credit Limit of $4,000 may be too low for you


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
  • Minimum Credit Limit : $400
  • Maximum Credit Limit : $3,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 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


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
  • Contactless Payments: Google Pay and Samsung Pay
  • 13.99% p.a. Interest Rate on purchases

  • 0% p.a. on Balance Transfers for 16 months

  • 3% Foreign Transaction Fee


Bankwest Breeze Platinum Mastercard

Bankwest Breeze Platinum Mastercard

4.0 from 1 review
Purchase Rate9.90% p.a.
Annual Fee$79 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $6,000
  • Contactless Payments: Apple Pay
  • Introductory Rate : 0
  • $0 first year Annual Fee

  • Low Ongoing Purchase Rate of 9.90% p.a.

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

  • No Foreign Transaction Fees

  • Complimentary Overseas Travel Insurance

  • $99 Annual Fee after your first year

  • No linked rewards program


Suncorp Clear Options Standard

Suncorp Clear Options Standard

2.3 from 7 reviews
Purchase Rate12.74% p.a.
Annual Fee$55 p.a.
Interest Free Period 0 days
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $20,000
  • Minimum Income : $20,000
  • Contactless Payments: Samsung Pay
  • 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


Page 1 of 2