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ProductReview.com.au

Low Rate Credit Cards

Category

Brand

Rating

Card Type

Purchase Rate

At least 9.90% p.a.
9.90% p.a.

Annual Fee

At most $99 p.a.
$99 p.a.

Interest Free Period

Benefits

Minimum Credit Limit

At least $400
$400

Contactless Payments

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5 listings

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
  • Pros & Cons
  • Review Summary
  • Specifications

  • $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)
  • 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
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
  • Pros & Cons
  • Review Summary
  • Specifications

  • 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)
  • Customer Service
    4.6 (7)
  • Rates and Fees
    4.4 (7)
  • Rewards
    2.7 (3)
  • Online Experience
    4.3 (7)
  • Application Process
    4.5 (8)
  • BenefitsCashback Offer
  • Minimum Credit Limit $500
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin 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 Fee$60 p.a.
Interest Free Period 55 days
  • Pros & Cons
  • Review Summary
  • Specifications

  • 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)
  • Customer Service
    4.0 (1)
  • Rates and Fees
    3.0 (1)
  • Online Experience
    5.0 (1)
  • Application Process
    5.0 (1)
  • Minimum Credit Limit $400
  • Maximum Credit Limit $3,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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
  • Pros & Cons
  • Review Summary
  • Specifications

  • Relatively low 13.24% Purchase Interest Rate

  • Included International Travel Insurance

  • 3% International Transaction Fee

  • No Attached Rewards Program and $89 Annual Fee

  • Transparency
    2.8 (6)
  • Customer Service
    3.6 (5)
  • Rates and Fees
    3.0 (6)
  • Rewards
    2.0 (1)
  • Online Experience
    3.8 (6)
  • Application Process
    3.4 (5)
  • BenefitsComplimentary Travel Insurance and Introductory Interest Rate
  • Minimum Credit Limit $4,000
  • Maximum Credit Limit $50,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Virgin Money Low Rate

Virgin Money Low Rate

1.0 from 5 reviews
Purchase Rate11.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 44 days
  • Pros & Cons
  • Review Summary
  • Specifications

  • Purchase Rate of 11.99% p.a.

  • 0% p.a. for the first 15 months on Balance Transfers

  • 3.3% International Transaction Fee

  • 1% Balance Transfer Fee

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

  • Transparency
    1.0 (2)
  • Customer Service
    1.0 (2)
  • Rates and Fees
    1.0 (2)
  • Rewards
    4.0 (1)
  • Online Experience
    3.5 (2)
  • Application Process
    3.0 (2)
  • BenefitsCashback Offer
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Contactless PaymentsSamsung Pay