choosing-credit-card-optimised

Reward Programs vs Low Interest Cards

How to work out what’s better for you: credit card rewards or a low interest rate?

Rewards and low interest rates are two of the most popular features to look for in a new credit card, but they don’t often go hand-in-hand. Instead it’s more common for a card with low rates to have only basic features, while a card with rewards is more likely to have a high standard variable rate of interest. So if the choice between a low rate and rewards credit card leaves you scratching your head, read this guide to work out which type of credit card is right for you.

How to choose between a rewards credit card and a low interest credit card

Both rewards and low interest credit cards are designed to offer benefits for specific spending habits and needs. To put it simply, rewards credit cards offer the most benefits to people who use their card often and always pay back what they spend, while low rate cards offer some savings to people who frequently carry a balance. If both of these scenarios apply to you, then you can use the following questions to help weigh up rewards programs and low interest rates.

What’s your income?

Your regular salary can help narrow down your credit card comparison by looking at the minimum income requirements for different products. For example, a low rate credit card could be more accessible if you’re a low income earner, with minimum income requirements often starting at $15,000. Rewards credit cards tend to have a higher minimum income requirement than low rate credit cards as they are more premium products with higher credit limits.

How much do you want to pay?

Most credit cards come with an account fee that you have to pay on a yearly basis, which can vary significantly based on the type of card you choose. For example, most reward and frequent flyer cards have annual fees well above $100, while low rate credit cards frequently have fees of less than $100. You’ll want to make sure that the value you get from either the rewards or the savings from low interest outweigh the cost of the card, otherwise it’s not of benefit to you.

What’s your average monthly spend?

A rewards credit card is cost-effective if it gives more value than it takes. Put simply: you must spend enough on the card to recoup the cost of the annual fee in rewards value. So if your annual fee is $100, you would want to earn at least $100 worth of value through the rewards program. As most credit cards offer points per $1 spent, your average monthly spending can help you work out whether or not a card will be worth it for you.A common way to calculate this value is to look at the points required for a gift card, and then work out how much you would have to spend to redeem this reward (and offset the cost of the annual fee).

*For example, a Westpac Altitude Rewards credit card has an annual fee of $100 and requires 19,000 points to redeem a $100 Myer gift card. It offers 1 point per $1 spent on a Visa card linked to the account, and 2 points per $1 spent on an Amex card. That means you would have to spend between $9,500 on the Amex card and $19,000 on the Visa card to balance out the annual fee.

You can use this calculation for any credit card and any reward when working out whether the product is cost-effective for your annual spend.

Your monthly spend is also an important thing to consider with a low rate card. If the card has a 0% purchase rate, it’ll only be in place for a promotional period, so you’ll want to make sure you can pay off the amount you’ve charged to the card by the time the offer ends and the standard rate applies. If it’s a low (not 0%) interest rate, you’ll still need to consider your monthly spend to understand how much interest you could potentially accrue on what you charge. This will also help you determine whether the card is of value to you.

*Rates and figures used for example purposes only

Do you usually pay your balance in full?

When comparing rewards and low rate credit cards, ask yourself whether you’re able to pay off your account balance in full each month. This will help you decide whether a rewards credit card or low rate card is more affordable.

Rewards credit cards usually have high rates of interest, so you’ll accrue a higher amount of interest if you’re unable to pay your balance in full by the end of the month. As your interest charges grow, this will counteract the value you’re getting from your rewards.

If you do struggle to repay your balance each month, a low rate or 0% purchase credit card could be a more suitable option. Not only will you have lower interest costs, but you won’t have the promise of rewards tempting you to overspend.As you can see, there are many considerations to weigh up when deciding between a rewards credit card and a low rate card. Essentially, if you’re a big spender and frequent traveller who always pays their balance in full, a rewards credit card could be a great way to get extra value back from your spending. Otherwise, if you struggle to repay your balance each month and want to keep your card costs low, a low interest rate credit card could be the right option for you.

Low interest rate credit cards vs. rewards credit cards

Rates last updated November 17th, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
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.
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 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 15 months
With a low minimum credit limit of $1,000, this no frills card allows you to add up to 3 additional cardholders for $0.
Bendigo Bank Low Rate Mastercard
11.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
A no-frills card with a low variable purchase interest rate of 11.99% p.a. and a $0 first year annual fee.
Westpac Low Rate Card
13.49% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
0% p.a. for 24 months with 1% balance transfer fee
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
St.George Vertigo Platinum
12.74% 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, complimentary travel insurance and access to a 24/7 personal concierge service.
Bankwest Breeze Platinum Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
Up to 55 days on purchases
$99 p.a.
0% p.a. for 13 months with 2% balance transfer fee
Receive a 0% p.a. interest rate on purchases and balance transfers for 13 months, complimentary travel insurance and 0% foreign transaction fees.
St.George Vertigo Classic
13.74% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 16 months
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitively low annual fee and purchase rate.
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.
Bankwest Breeze Classic Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
Up to 55 days on purchases
$79 p.a.
0% p.a. for 13 months with 2% balance transfer fee
Receive purchase and balance transfer offers of 0% p.a. for 13 months, a low ongoing rate and up to 55 interest-free days on purchases.
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.
Bendigo Bank Low Rate First Mastercard
11.99% p.a.
Up to 55 days on purchases
$29 p.a.
Exclusively for customers aged 18 to 25 years, this card gives you up to 55 interest-free days and a low variable interest rate on purchases.
NAB Low Rate Platinum Card
0% p.a. for 9 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 9 months on purchases. Plus 0% p.a. on balance transfers for 6 months.
Bendigo Bank Low Rate Platinum Mastercard
11.99% p.a.
Up to 55 days on purchases
$89 p.a.
Offers premium features such as mobile phone and tablet insurance and purchase protections, plus, up to 55 days interest-free on purchases.
Bank of Melbourne Vertigo Classic
13.74% 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 with no BT fee. Plus, a competitively low annual fee and purchase rate.
Bank of Melbourne Vertigo Platinum
12.74% 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.
BankSA Vertigo Classic
13.74% 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.

Compare up to 4 providers

Rates last updated November 17th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
NAB Qantas Rewards Signature Card
90,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
American Express Westpac Altitude Platinum Bundle - Qantas - Exclusive Offer
90,000 bonus points
Qantas Frequent Flyer
1
0.5
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
finder Exclusive:
Up to 90,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
Qantas Premier Everyday
40,000 bonus points
Qantas Frequent Flyer
0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.
American Express Velocity Platinum Card
50,000 bonus points
Velocity Frequent Flyer
1.5
20.74% p.a.
$375 p.a.
Receive 50,000 bonus Velocity Points and enjoy complimentary lounge passes, a domestic return flight and insurance covers.
Qantas Premier Platinum
60,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$299 p.a.
Get 60,000 bonus Qantas Points and a $300 Qantas Flight Voucher when you spend $4,000 within the first 90 days.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus points in the first 3 months and save with a $64 first year annual fee. Plus, a long-term balance transfer offer.
HSBC Platinum Qantas Credit Card
60,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$199 p.a.
Enjoy 60,000 bonus Qantas Points when you spend $3,000 within the first 3 months. Plus, complimentary travel insurance.
Westpac Altitude Platinum Card - Qantas
60,000 bonus points
Qantas Frequent Flyer
0.5
20.24% p.a.
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
St.George Amplify Signature - Qantas
80,000 bonus points
Qantas Frequent Flyer
0.75
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Enjoy 80,000 bonus Qantas Points when you spend $4,000 within 90 days and 2 complimentary Qantas Club lounge invitations per year.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a $64 first year annual fee and 0% p.a. balance transfer offer. Plus, receive a $129 Virgin Australia Gift Voucher each year.
HSBC Platinum Credit Card
HSBC Rewards Plus
1
19.99% p.a.
$129 p.a.
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, 2 airport lounge passes every year.
St.George Amplify Signature - Online Offer
100,000 bonus points
Amplify Rewards
1.5
19.49% p.a.
$0 p.a. annual fee for the first year ($279 p.a. thereafter)
Enjoy a $0 first year annual fee, 100,000 bonus Amplify Points and 2 complimentary lounge passes per year.
Woolworths Everyday Platinum Credit Card - Finder Only Offer
4,000 bonus points
Woolworths Shopping Card Rewards
1
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Finder only: Offers a $50 eGift Card, 4,000 bonus Credit Card points and a $0 first year annual fee. Plus, 10% off your shop once a month.
Westpac Altitude Platinum Card
60,000 bonus points
Westpac Altitude Rewards
1
20.24% p.a.
$0 p.a. annual fee for the first year ($150 p.a. thereafter)
Earn 60,000 bonus Altitude Points when you spend $3,000 within 90 days of card approval. Plus, a $0 first year annual fee.
American Express Explorer Credit Card
100,000 bonus points
Membership Rewards Gateway
2
20.74% p.a.
$395 p.a.
Get 100,000 bonus Membership Rewards points, a yearly $400 Travel Credit and 2 entries per year to the American Express Lounge.
Bendigo Bank Platinum Rewards Mastercard
75,000 bonus points
Bendigo Rewards
1.5
19.99% p.a.
$89 p.a.
Get 75,000 bonus points when you spend $2,500 within 90 days. Plus, access to complimentary insurance covers and Mastercard Priceless Cities.
Bank of Melbourne Amplify Signature - Online Offer
100,000 bonus points
Amplify Rewards
1.5
19.49% p.a.
$0 p.a. annual fee for the first year ($279 p.a. thereafter)
Get 100,000 bonus Amplify Points when you apply for this card online and spend $4,000 within 90 days. Plus, save with a $0 first year annual fee.
Virgin Australia Velocity Flyer Card - Exclusive Offer
Velocity Frequent Flyer
0.66
0% p.a. for 14 months (reverts to 20.74% p.a.)
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
Citi Platinum Credit Card
200,000 bonus points
Citi Rewards Program
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 10,000 monthly bonus reward Points for 20 months (200,000 total), enjoy a 0% p.a. balance transfer offer, plus, a $49 first year annual fee.
American Express Westpac Altitude Black Bundle
120,000 bonus points
Westpac Altitude Rewards
3
1.25
20.24% p.a.
$250 p.a. annual fee for the first year ($449 p.a. thereafter)
Earn up to 120,000 bonus Altitude Points when you meet the T&C with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex).
Qantas American Express Ultimate Card
55,000 bonus points
Qantas Frequent Flyer
1.5
20.74% p.a.
$450 p.a.
Receive 55,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 complimentary Qantas Club lounge invitations per year.
St.George Amplify
Amplify Rewards
1
0% p.a. for 14 months (reverts to 19.49% p.a.)
$79 p.a.
Take advantage of 0% p.a. interest on purchases for the first 14 months. Plus, earn 1 Amplify Point per $1 spent on eligible purchases, uncapped.
BankSA Amplify Signature - Online Offer
100,000 bonus points
Amplify Rewards
1.5
19.49% p.a.
$0 p.a. annual fee for the first year ($279 p.a. thereafter)
Receive 100,000 bonus Amplify Points when you apply online and spend $4,000 within 90 days and save with a $0 first year annual fee.
American Express Westpac Altitude Black Bundle - Qantas
120,000 bonus points
Qantas Frequent Flyer
1.25
0.75
20.24% p.a.
$300 p.a. annual fee for the first year ($499 p.a. thereafter)
Score up to 120,000 bonus Qantas Points when you meet the T&C with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex).
Qantas American Express Discovery Card
Qantas Frequent Flyer
1
20.74% p.a.
$0 p.a.
Earn uncapped Qantas Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
Suncorp Clear Options Platinum Credit Card - Online Offer
60,000 bonus points
Suncorp Bank Rewards Program
1.25
20.74% p.a.
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
American Express Velocity Escape Card
Velocity Frequent Flyer
1
20.74% p.a.
$0 p.a.
Earn uncapped Velocity Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
St.George Amplify Platinum
50,000 bonus points
Amplify Rewards
1
19.49% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Receive 50,000 bonus Amplify Points when you spend $2,000 within 90 days and save with a $0 annual fee for the first year.
BankSA Amplify Platinum - Qantas
50,000 bonus points
Qantas Frequent Flyer
0.5
19.49% p.a.
$99 p.a.
Receive 50,000 bonus Qantas or Amplify Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas points per $1 spent.
Bank of Melbourne Amplify Platinum - Qantas
50,000 bonus points
Qantas Frequent Flyer
0.5
19.49% p.a.
$99 p.a.
Receive 50,000 bonus Qantas or Amplify Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas points per $1 spent.
St.George Amplify Platinum - Qantas
50,000 bonus points
Qantas Frequent Flyer
0.5
19.49% p.a.
$99 p.a.
Earn 50,000 bonus Qantas Points when you spend $2,000 within 90 days and earn 0.5 Qantas points per $1 spent.
ANZ Frequent Flyer Black
120,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $150 back when you spend $7,500 in the first 3 months. Plus, 75 Status Credits and lounge passes.
Citi Rewards Platinum Credit Card - Online Offer
Citi Rewards Program
1
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 24 month balance transfer offer, plus complimentary international travel insurance.
NAB Rewards Platinum Card
60,000 bonus points
NAB Rewards
1
19.99% p.a.
$195 p.a.
Collect 60,000 bonus points when you spend $1,000 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
Bank of Melbourne Amplify Platinum
50,000 bonus points
Amplify Rewards
1
19.49% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Receive 50,000 bonus Amplify Points when you spend $2,000 within 90 days. Plus, enjoy a $0 first year annual fee and uncapped rewards points.
ANZ Rewards Platinum
75,000 bonus points
ANZ Rewards Program
1.5
18.79% p.a.
$95 p.a.
Receive 75,000 bonus Reward Points when you spend $5,000 on eligible purchases in the first 3 months, plus up to 1.5 points per $1 spent.
ANZ Rewards Travel Adventures card
40,000 bonus points
ANZ Rewards Program
1.5
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.
Citi Signature Qantas Credit Card
50,000 bonus points
Qantas Frequent Flyer
0.5
20.99% p.a.
$248 p.a. annual fee for the first year ($444 p.a. thereafter)
Receive 50,000 bonus Qantas Points, 2 yearly airport lounge visits and complimentary travel insurance. Plus, a discounted first year annual fee.
American Express Gold Business Card
Membership Rewards Ascent
1
$169 p.a.
Take advantage of a no pre-set spending limit, data that feeds to MYOB and up to 51 days interest-free on purchases.
American Express Platinum Card
80,000 bonus points
Membership Rewards Ascent Premium
1
$1,450 p.a.
Annual $450 Platinum Travel Credit, 80,000 bonus Membership Rewards points and access to more than 1,200 VIP lounges worldwide.
NAB Qantas Rewards Premium Card
30,000 bonus points
Qantas Frequent Flyer
0.66
19.99% p.a.
$250 p.a.
Offers 30,000 bonus points when you meet the spend requirements and Qantas Points for your everyday spending. Plus a 24/7 personal concierge.
NAB Qantas Rewards Card
Qantas Frequent Flyer
0.5
19.99% p.a.
$95 p.a.
A Visa card that offers 0.5 Qantas points per $1 spent, complimentary purchase protection insurance and up to 44 interest-free days on purchases.
Citi Signature Credit Card
300,000 bonus points
Citi Rewards Program
1
20.99% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 15,000 monthly bonus reward Points for 20 months (300,000 total), enjoy a 0% p.a. balance transfer offer, plus, a $195 first year annual fee.
Citi Prestige Card
400,000 bonus points
Citi Rewards Program
3
20.99% p.a.
$700 p.a.
Earn 20,000 monthly bonus points for 20 months (400,000 total). Plus, unlimited airport lounge access and free hotel stays.
David Jones American Express
20,000 bonus points
Membership Rewards
1
20.74% p.a.
$99 p.a.
Not just for David Jones shoppers, receive 20,000 bonus Membership Rewards points or 15,000 Qantas Points. Plus, uncapped points potential.
David Jones American Express Platinum Card - Qantas Frequent Flyer
30,000 bonus points
Qantas Frequent Flyer
0.75
20.74% p.a.
$295 p.a.
Fly faster with up to 3 Qantas Points per $1 spent and receive complimentary travel insurance when travel is booked on your card.
American Express Qantas Business Rewards Card
100,000 bonus points
Qantas Business Rewards
1.25
$450 p.a.
Earn 100,000 bonus Qantas Points, 2 Qantas Points per $1 spent on eligible purchases plus 2 domestic Qantas Club lounge passes.
NAB Rewards Business Signature Card
100,000 bonus points
NAB Rewards
1.25
18.50% p.a.
$175 p.a.
Earn 100,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening.
Bank of Melbourne Amplify Card
Amplify Rewards / Qantas Frequent Flyer
0.5
0% p.a. for 14 months (reverts to 19.49% p.a.)
$79 p.a.
Take advantage of 0% p.a. interest on purchases for the first 14 months. Plus, your choice of Amplify or Qantas Points.
BankSA Amplify
Amplify Rewards / Qantas Frequent Flyer
0.5
0% p.a. for 14 months (reverts to 19.49% p.a.)
$79 p.a.
Take advantage of 0% p.a. interest on purchases for the first 14 months. Plus, your choice of Amplify or Qantas Points.
BankSA Amplify Signature - Qantas
80,000 bonus points
Qantas Frequent Flyer
0.75
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Receive 80,000 bonus Qantas Points when you spend $4,000 within 90 days. Plus, a discounted first year annual fee and lounge passes.
Bank of Melbourne Amplify Signature - Qantas
80,000 bonus points
Qantas Frequent Flyer
0.75
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Offers 80,000 bonus Qantas Points when you spend $4,000 in 90 days, 2 Qantas lounge passes per year plus a reduced first year annual fee.
Citi Platinum Credit Card - Exclusive Offer
Citi Rewards Program
1
0% p.a. for 13 months (reverts to 20.99% p.a.)
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
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.

Compare up to 4 providers

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Credit Card Offers

Important Information*
Citi Platinum Credit Card - Exclusive...

Interest rate

20.99

Annual fee

49*

*$149 p.a. after first year

Virgin Australia Velocity Flyer Card ...

Interest rate

20.74

Annual fee

64*

*$129 p.a. after first year

American Express Westpac Altitude Pla...

Interest rate

20.24

Annual fee

50*

*$249 p.a. after first year

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