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Low interest rate credit cards

Reduce your interest repayments and save with a low interest rate credit card.

Low Interest Rate Credit Card Offer

Latitude Low Rate Mastercard

11.99% p.a. interest rate on purchases

Eligibility criteria, terms and conditions, fees and charges apply

Low Interest Rate Credit Card Offer

The Latitude Low Rate Mastercard features a competitive interest rate, a range of complimentary insurance covers and a long interest-free period on purchases.

  • A low purchase interest rate of 11.99% p.a. and a cash advance rate of 20.99% p.a.
  • Complimentary insurance covers including Price Protection, Purchase Protection and Extended Warranty
  • Up to 55 days interest-free on purchases when you pay your balance in full by the statement due date
  • Annual fee of $69 for primary cardholders and $0 additional cardholder fee
Go to site
Promoted

Compare the latest low interest rate credit card deals

Rates last updated May 21st, 2019
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate Product Description
Latitude Low Rate Mastercard
Latitude Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.
Go to site More info
ME frank Credit Card
ME frank Credit Card
11.99% p.a.
Up to 55 days on purchases
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Go to site More info
Citi Clear Platinum Credit Card
Citi Clear Platinum Credit Card
12.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 14 months
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Go to site More info
Bendigo Bank Low Rate Mastercard
Bendigo Bank Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$45 p.a.
A no-frills card with a competitive annual fee, a low variable purchase interest rate of 11.99% p.a. and up to 55 interest-free days on purchases.
Go to site More info
St.George Vertigo Classic - Online Offer
St.George Vertigo Classic - Online Offer
0% p.a. for 14 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 6 months
Online only ends 22 May 2019: Low rate card offering 0% p.a. interest on purchases for the first 14 months. Plus, a $0 first year annual fee.
Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card
13.74% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months
A low rate card offering 0% p.a. on balance transfers for 18 months and a competitive purchase rate.
Go to site More info
St.George Vertigo Platinum
St.George Vertigo Platinum
12.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 26 months with 2% balance transfer fee
Offers a long-term balance transfer, $0 first year annual fee and access to a 24/7 personal concierge service. Ends 22 May 2019.
Go to site More info
NAB Low Rate Platinum Card
NAB Low Rate Platinum Card
0% p.a. for 15 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$100 p.a.
0% p.a. for 6 months with 2% balance transfer fee
A platinum card that offers 0% p.a. for 15 months on purchases. Plus 0% p.a. on balance transfers for 6 months.
Go to site More info
Virgin Money Low Rate Credit Card
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$49 p.a.
0% p.a. for 14 months
Offers a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and 0% p.a. for 14 months on balance transfers.
Go to site More info
NAB Low Rate Credit Card
NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 6 months with 2% balance transfer fee
This card offers a low introductory rate of 0% p.a. for 6 months on purchases. Plus 0% p.a. on balance transfers for 6 months.
Go to site More info
St.George Amplify - Online Offer
St.George Amplify - Online Offer
0% p.a. for 14 months (reverts to 19.74% p.a.)
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
0% p.a. for 6 months
Online only ends 22 May 2019: Save with $0 first year annual fee and 0% p.a. introductory offers. Plus earn uncapped Amplify or Qantas Pts/$1.
Go to site More info
Bendigo Bank Low Rate Platinum Mastercard
Bendigo Bank Low Rate Platinum Mastercard
11.99% p.a.
Up to 55 days on purchases
$89 p.a.
Offers a low variable purchase interest rate of 11.99% p.a., complimentary insurance covers and up to 55 days interest-free on purchases.
Go to site More info
Citi Rewards Platinum Credit Card - Exclusive Offer
Exclusive
Citi Rewards Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months (reverts to 20.99% p.a.)
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 13 months
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
Go to site More info
Bank of Melbourne Vertigo Classic
Bank of Melbourne Vertigo Classic
13.99% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 16 months
Enjoy 0% p.a. interest for up to 16 months on balance transfers. Plus, a low annual fee and competitive purchase rate. Ends 22 May 2019.
Go to site More info
Bank of Melbourne Vertigo Platinum
Bank of Melbourne Vertigo Platinum
12.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 26 months with 2% balance transfer fee
Get a range of complimentary insurance covers, access to a 24/7 concierge and the convenience of Visa payWave contactless technology.
Go to site More info
BankSA Vertigo Classic
BankSA Vertigo Classic
13.99% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 16 months
A no-frills Visa with the protection of a zero liability policy and a 24/7 fraud monitoring service.
Go to site More info
Bank of Melbourne No Annual Fee Card
Bank of Melbourne No Annual Fee Card
20.74% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
Enjoy a 0% p.a. for 12 months balance transfer, up to 55 days interest-free on purchases and an ongoing $0 annual fee. Ends 22 May 2019.
Go to site More info
BankSA No Annual Fee
BankSA No Annual Fee
20.74% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
Offers a 0% p.a. for 12 months balance transfer, up to 55 days interest-free on purchases and an ongoing $0 annual fee. Ends 22 May 2019.
Go to site More info

Compare up to 4 providers

Compare these lowest interest rate credit cards trending now

Card Name Purchase Rate Review
Bank Australia Low Rate Visa Credit Card 9.39% p.a. Read Review
McGrath Pink Visa Credit Card 8.99% p.a. Read Review
Virgin Money Low Rate Credit Card 11.99% p.a. Read Review

If you regularly carry a balance, you can reduce your interest repayments and save with a credit card that charges a low interest rate. Competitive interest rates typically range between 8.99% p.a. and 14.99% p.a., but some cards also offer 0% on purchases for an introductory period. This could help you save significantly compared to other cards that charge interest rates between 18% p.a. and 22% p.a.

If you’re paying off an existing credit card debt, you can use a 0% balance transfer credit card to pay it off with no interest for a promotional period.

How do low interest rate credit cards work?

What you'll find in this guide

Who are low interest rate credit cards best suited to?

These cards are designed to help you save on interest costs. If you often struggle to pay your balance in full by the due date on your statement, you could benefit from one of these cards. You could also benefit from a low rate card if you’re a student or new to paying on plastic and want a cheaper credit card option.
credit cards on weighing scale

How much money can I save with a low interest rate credit card?

Even a small difference in your credit card's interest rate can save you a lot of money. Say you have a $2,000 balance on your credit card and you take 6 months to pay it off. With an interest rate of 20% p.a., you'd pay $118.30 in interest on this debt.

But if you had a low interest rate card that charged 12% p.a., you'd pay $70.60 in interest over the same period of time. That's a saving of $47.70 compared to the higher interest card. And the bigger your credit card debt, the bigger the difference gets. So comparing interest rates before you apply for a new credit card can help you find one that's affordable based on your needs.

How are credit card interest rates calculated?

Credit card interest rates are usually advertised based on the annual rate that applies to the account, shown as "per annum" or p.a. However, interest on your account balance is typically calculated daily and then charged monthly on the statement due date. This means that for every day that you don’t make a payment, the interest charges will build up (or compound).

How to compare low interest rate credit cards

With so many competitive low interest rate credit cards on the market, here are some of the features that can help you narrow down your options:

Interest rates

From low ongoing interest rates to promotional 0% deals to interest-free days, these are the key factors to look at when comparing interest rates:

    • Promotional interest rates. Some Australian credit cards offer 0% interest rates on purchases for a promotional period. The length of the interest-free offer usually varies between 6 and 15 months depending on the card. These offers can give you breathing room to repay your purchases and save without any additional interest costs. At the end of the promotional period, any remaining debt will collect the standard interest rate. So it’s wise to know when this rate applies and aim to clear your debt beforehand.
    • Standard interest rate. On a low rate card, the purchase interest rates typically start at 8.99% p.a and go up to around 15% p.a. If you want a long-term option, a card with an ongoing low interest rate could potentially be a better fit than a card with 0% for a promotional period.
    • Balance transfer rates. Some low interest credit cards also come with 0% promotional balance transfer offers which can last for up to 26 months. If you’re paying off an existing debt, you can use a balance transfer to save interest and repay your debt faster. If you’re struggling with credit card debt, it’s wise to concentrate on paying it off instead of using a card to make additional purchases. You can compare 0% balance transfer credit cards on finder.
    • Cash advance rates. The interest rate for cash advances is usually higher than the rate applied to purchases and can be as high as 23% p.a. This rate is charged for transactions such as ATM cash withdrawals, foreign currency purchases and gambling. Cash advances also aren't eligible for interest-free days.
    • Interest-free days. Most credit cards also come with interest-free days when cardholders pay their balance in full in the previous statement period. The number of interest-free days will vary between products, but usually range between up to 44 or 55 days. Learn more about how this works in our guide to interest-free days.

Fees and charges

  • Annual fee. Some low rate cards come with $0 annual fee for the first year or for life, while others charge annual fees that can be as high as $100 or more. Before you apply, you should weigh up the savings you’ll get from the interest rate against the annual fee to determine which card is right for you.
  • International transaction fees. If you use your card to make a purchase overseas or online with an international merchant, you may be charged a foreign transaction fee (such as 3% of the transaction).
  • Minimum repayments. Each statement period, you’re required to make a minimum repayment. This is usually a small percentage (which can range from 2% to 10%) of your total balance owing. If you don’t pay this, you’ll usually be charged a late payment fee. However, if you want to minimise your interest payments and avoid falling into debt, it’s wise to pay as much you can before the statement due date.

Additional features

Credit cards with low interest rates generally come with fewer frills than costly cards, but here are some of the extra features you might want to consider:

  • Rewards programs. Competitive frequent flyer or rewards credit cards usually come with higher interest rates and fees, but you can earn points on some low rate cards in the market. These cards usually come with less competitive earn rates, but can still be rewarding without the high price tag.
  • Cashback. Some low rate cards also come with cashback offers, although you’ll usually need to meet a certain spend requirement to get the money back. As long as the spend requirements align with your budget and you can afford to pay it off, this can be another way to get extra value from your card.
  • Complimentary insurance. Some low rate cards offer cardholders complimentary travel insurance and purchase cover. These features can help you reduce other necessary costs, but make sure you check out the eligibility requirements, inclusions and exclusions of the cover before you apply.

Pros and cons of low interest rate credit cards

Pros

  • Savings. These cards can be a cheaper option as you pay less interest on purchases, which will help you save money and avoid falling into unmanageable debt.
  • Low fees. Many low interest rate credit cards are paired with low fees, which can also help you save.
  • Promotional offers. Low interest rate credit cards sometimes come with 0% promotions on purchases and balance transfers, allowing you to avoid interest altogether for an introductory period.

Cons

  • Less competitive rewards. Some low rate credit cards come with rewards programs, but they usually have lower earn rates and bonus points offers than more expensive cards.
  • Fewer extra features. Low rates generally come with fewer extra features, unlike platinum cards which often come with concierge services and airport lounge passes.
  • Revert rates. If your card charges 0% on purchases for a promotional period, it will revert to a higher purchase rate after that.

How can I get a low rate credit card?

You can apply for a low rate credit card online in around 10–20 minutes. Get started by comparing cards in the table above (or on individual review pages). When you find a card you like, click the "Go to site" button and you will be taken to the bank's secure application page.

From there, you'll need to provide details about yourself, your employment situation and your financial situation. In order to prove your identity, you will usually need your driver's licence, passport or Medicare card details. Most online credit card applications give you a response within 60 seconds of submitting the completed form.

If you often carry a balance, a low interest credit card could be right for you. However, as there is no one best low interest card on the market, it's wise to compare a few options before you apply. Just remember to compare interest rates and consider the other features, such as introductory offers, annual fees and complimentary extras, to help you find a card that best suits your needs.

FAQs about low interest rate credit cards

If you want to learn more about low rate cards, check out these answers to common questions. If you have a question of your own, you can also get in touch with us using the comment box below.

Pictures: Shutterstock

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Read more on this topic

Which credit cards have the cheapest interest rate?

Credit cards with cheap interest rates help you lower your chances of carrying a balance from month to month and keep your debt under control. Be guided on the different low interest credit cards and what to consider upon applying for one.

Interest-Free Credit on Purchases with the HSBC Low Rate Credit Card

In need of an emergency injection of cash? HSBC has some of the great interest-free credit options you will find anywhere. Have a look at just two of their current interest-free offers.

Switch to a low interest credit card

Whether you’re looking for a 0% balance transfer offer or a credit card with a low ongoing purchase rate, you can compare your low interest credit card options here.

No Interest Credit Cards

From 0% interest credit card offers for purchases and balance transfers to interest-free days on purchases, compare no interest credit card options here and find one that suits your needs.

62 Interest Free Days Credit Cards

Compare credit cards with up to 62 interest-free days and discover how you can minimise your credit card costs with these products.

Zero Percent Cards

0% interest cards work in one of two ways: by offering you zero percent on balances transferred or zero percent on purchases made with the card for an introductory period. For either, it’s a competitive offering that you might want to consider.

Cheap Visa Credit Cards – Compare the cheapest Visa low interest cards

When choosing a credit card, it is always important to look for a credit card offer with low interest rates, particularly if you plan on carrying a balance each month. Check out our comparison of the cheapest Visa credit cards.

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66 Responses

  1. Default Gravatar
    February 24, 2019

    Am I better off to get a personal loan to pay credit cards off and get extra money for travel /

    would like to consolidate credit card debt and have some money for travel

    Reply
    • Avatarfinder Customer Care
      JohnFebruary 25, 2019Staff

      Hi Sue,

      Thank you for reaching out to Finder.

      Depending on how much you would require to consolidate your debt as well as have a bit of extra for travel, a personal loan would be able to help you achieve this. You would not be able to have the extra cash when you use a different method in consolidating your debt. Please click on this link to be able to check our page on on personal loan options for you. Kindly review and compare your options on the table displaying the available providers. Once you have chosen a particular provider, you may then click on the “Go to site” button and you will be redirected to the provider’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. Hope this helps!

      Cheers,
      Reggie

      Reply
  2. Default Gravatar
    willardDecember 20, 2018

    what card would be best for people on s.s?

    Reply
    • Avatarfinder Customer Care
      JohnDecember 20, 2018Staff

      Hi Willard,

      Thank you for reaching out to finder.

      While we do not provide specific product recommendations, we can help guide you through the process of comparing options. You may want to check our page on “Credit cards for retired and pensioner applicants”. The page will also advise you of what documents to provide during the application process. Please click here to be routed to that page. Hope this helps!

      Cheers,
      Reggie

      Reply
  3. Default Gravatar
    EricApril 26, 2018

    My debt is over 70,000 AUD,I would like a loan one payment/month,and not five.

    Reply
    • Avatarfinder Customer Care
      JeniApril 26, 2018Staff

      Hi Eric,

      Thank you for getting in touch with finder.

      Regarding your enquiry, if it is about consolidating debt please check out this link.

      If you want to do a balance transfer and pay 0% for some months, you may want to visit this page to see your options.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

      Reply
  4. Default Gravatar
    BrentonJanuary 23, 2017

    Hi I’m trying to find a better credit card than what I have at present. The interest rate I’m paying at the moment is 19.74 is there anything under 10%? Cheers Brenton

    Reply
    • Avatarfinder Customer Care
      MayJanuary 24, 2017Staff

      Hi Brenton,

      Thank you for your inquiry.

      I’m afraid that there may not be a credit card which has an interest lower than 10%. At the moment, the credit cards with low interest are listed above. In case you want to check your options for a credit card with 0% interest on purchases for a limited time, you can find them here or for a credit card with no annual fees, please click this link.

      When selecting a credit card, it’s always best that you factor in which one that best meets your preferences and fits into your financial situation.

      Hope this helps.

      Cheers,
      May

      Reply
  5. Default Gravatar
    September 23, 2016

    if our salary is below 15000, then if we are interested to apply for a credit card at that time, what is the Secondary Process for that.

    Reply
    • Avatarfinder Customer Care
      MaySeptember 25, 2016Staff

      Hi Divya,

      Thank you for your question.

      Your income is one of the most important factors that a bank or credit card company considers for their applicants. Although credit card companies vary when it comes to income requirements, there are banks or card issuers that accept applicants with $15,000 p.a. or more and some require applicants to have earnings from $20,000 or $25,000. If you find that your income is below the minimum requirement, you may need to have an additional income source to present to be approved.

      Nevertheless, on this page, you can compare your low-income credit card options.

      Cheers,
      May

      Reply
  6. Default Gravatar
    MiaJune 21, 2016

    Hi,
    This morning I applied for a St George Vertigo Credit Card. I was approved for credit of $2000 and a balance transfer of $2000 (sorry if I’m incorrect) but does that mean that the total value of this card is $4000?
    Thanks.

    Reply
    • Default Gravatar
      garryJanuary 11, 2017

      Hello
      If the bank accepts my application for a credit card and i transfer my dept to them an I able to switch back at the end of the promotional period?
      Is there a minimum time I have to stay with the new credit card?
      kind regards
      Garry

      Reply
    • Avatarfinder Customer Care
      LouJanuary 11, 2017Staff

      Hi Garry,

      Thanks for your question.

      If you are referring to using your old credit card again after the promotional period of your new balance transfer card, the answer is yes, that is possible. When you transfer your balance to a new card, you have the option to cancel or retain your old card.

      There is no time requirement for keeping your new card. You can also cancel it anytime, so long as you follow the correct procedure as we have listed on our credit card cancellation guide.

      Cheers,
      Anndy

      Reply
    • Avatarfinder Customer Care
      MayJune 21, 2016Staff

      Hi Mia,

      Thanks for your question.

      Essentially, when you apply for a credit card, the card institution will give you a credit card limit that you can use – either for purchases, cash advances and even balance transfers. As you mentioned, you were approved for a credit and balance transfer limit of $2,000 for the St. George Vertigo Credit Card, however, this does not imply that you’re given a total of $4,000 credit limit on the card (that you can spend). This means that St. George allows you to transfer a balance (a debt from your old credit card) up to $2,000 to this card. Unlike other card issuers (depending on the type of card), they would only allow you to transfer a total balance up to a percentage of your credit limit, usually 70%-95%.

      I hope this answers your question.

      Cheers,
      May

      Reply
  7. Default Gravatar
    ginaMay 24, 2016

    i just wandering if i could get balance transfers,what could i do? if yet how much interest could i get each month.

    Reply
    • Avatarfinder Customer Care
      SharonMay 26, 2016Staff

      Hi Gina, thanks for you inquiry.

      You may check our balance transfer page first to compare credit cards that has this offer. You can check the complete details about a specific product by clicking the product name. This will direct you to the product review page where benefits, features, application requirements and other information that the product has to offer. When you’re done selecting for the right card, you can start the application process by clicking the “Go to site” button that is also available on the upper right side of the review page.

      I hope this helps,

      Sharon

      Reply
  8. Default Gravatar
    MeaghanFebruary 11, 2016

    Hi
    Can I call to speak to someone to compare credit card accounts

    Reply
    • Avatarfinder Customer Care
      JonathanFebruary 11, 2016Staff

      Hi Meaghan, thanks for your inquiry!

      You can reach us on 1300 FINDER (346 337) and one of the specialists from our credit cards team will be happy to assist you.

      Cheers,

      Jonathan

      Reply
  9. Default Gravatar
    KylieFebruary 3, 2016

    Hi i am in a situation where i am in need of 2000-5000 to pay for a solicitor as i don’t have the money. I am looking into credit cards that i can either afford by myself as i am on centrelink or one that my partner and i can get together with his income and mine. What would be the best way to go? As we have never applied for one before. Thank you

    Reply
    • Avatarfinder Customer Care
      DebbieFebruary 4, 2016Staff

      Hi Kylie,

      Thanks for your question.
      Please note that you’ve come through finder.com.au and as a financial comparison service, we’re unable to recommend any specific product, service or strategy to our users as the ‘best’ option will always depend on the individual’s financial situation and needs.

      Whether you can apply for a credit card will depend on how much you earn per year and what type of Centrelink payments you receive.

      You might need to get in touch with the bank directly to confirm your likelihood of approval before applying.

      I hope this helps.

      Cheers,
      Debbie

      Reply
  10. Default Gravatar
    November 19, 2015

    Do you no anyone that will help people on disability pensioner with below average credit score to get a low limit credit card with below average credit score to rebuild my credit rating and give me a second chance

    Reply
    • Avatarfinder Customer Care
      JonathanNovember 20, 2015Staff

      Hi Rhys, thanks for your inquiry!

      You can compare low income credit cards here which have lower requirements than higher tier credit cards.

      Cheers,

      Jonathan

      Reply

Credit Cards Comparison

Rates last updated May 21st, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Go to site More info
ME frank Credit Card
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Go to site More info
Virgin Australia Velocity Flyer Card - Annual Fee Offer
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
Go to site More info
Latitude Low Rate Mastercard
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.
Go to site More info

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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