Compare Low Interest Credit Cards
If you like to use credit cards to finance large purchases over time, high interest rates are not an option. Our credit card comparison engine will help you find the best low interest credit card offers available. Compare interest rates, fees and other details side-by-side in the credit card comparison engine below and apply online for the best deals. Already have a credit card? Don't make another big purchase until you compare low interest offers. Use our credit card comparison engine today and you'll save more money on your purchases tomorrow!
Name |
Details | Balance Transfer | Secure Online Application | |||||
|---|---|---|---|---|---|---|---|---|
|
Exclusive 0% Balance Transfer + Half Annual Fee Exclusive to CreditCard.com.au. Longest 0%
balance transfer in market plus discounted annual fee. Great low rate on purchases. Platinum features including concierge. Credit limit of up to $60k |
11.99% | 21.74% | 0% | 9 mths | up to 55 | $49 | ApplyMore Info | |
|
0% on Purchases and Balance Transfer 0% on purchases and balance transfer for 6 months. This reverts to the low purchase rate, currently 13.49% p.a., which is great. Add to this offer a low $45 annual fee and you have a very strong offer. |
0.00% | 21.49% | 0% | 6 mths | up to 55 | $45 | ApplyMore Info | |
|
12 Month Balance Transfer A low ongoing rate on purchases plus an amazing 0.99% balance transfer for 12 months. Any unpaid balance transfer amount reverts to the low purchase rate which makes this the best balance transfer offer currently in market. |
13.24% | 21.49% | 0.99% | 12 mths | up to 55 | $55 | ApplyMore Info | |
| Intro rate of 0% p.a. on purchases for first 6 months + receive 20,000 bonus points when you spend $500 in the first 2 months and earn up to 3-2-1 reward points per $1 spent. | 0.00% | 20.74% | N/A | N/A | up to 55 | $149 | ApplyMore Info | |
| Receive 0% p.a. on purchases and balances transferred for the first 3 months. Low ongoing purchase rate, currently 13.24% p.a., ANZ's lowest rate credit card. | 0.00% | 21.49% | 0% | 3 mths | up to 55 | $58 | ApplyMore Info | |
| Special offer: 0% p.a. on purchases and balances transferred for the first 3 months. Created by ANZ and designed to be your first credit card. | 0.00% | 20.99% | 0% | 3 mths | up to 44 | $30 | ApplyMore Info | |
| 2.99% on purchases for 12 months. Any unpaid purchase amount reverts the to low purchase rate, currently 13.24% p.a. Additional card holder at no cost with a low $59 annual fee and Visa payWave, nice! | 2.99% | 21.74% | 4.99% | 6 mths | up to 55 | $59 | ApplyMore Info | |
| Australia's Lowest ongoing rate on MasterCard purchases: just 10.99%. | 10.99% | 21.99% | 4.99% | 12 mths | up to 55 | $69 | ApplyMore Info | |
| Special offer, half annual fee for the life of the card with a low 12.74% p.a. on retail purchases and generous credit limits up to $20,000. | 12.74% | 21.99% | N/A | N/A | 0 | $27 | ApplyMore Info | |
| Bank of Melbourne (part of St George) special offer. 0.99% p.a. on balance transfers for 12 months. Any unpaid balance reverts to the low purchase rate, currently 13.24% p.a. You can bank at St.George and Bank of SA branches. Offer end 28th Feb | 13.24% | 21.74% | 0.99% | 12 mths | up to 55 | $55 | ApplyMore Info | |
| Low purchase rate of only 13.49% p.a. Add to this PayPass™ plus a free additional cardholder, apply today. | 13.49% | 21.74% | 5.99% | 5 mths | up to 55 | $78 | ApplyMore Info | |
| Bank of Queensland Special: 1.9% p.a. on balance transfers for the first 6 months with a low purchase rate and low annual fee. | 13.49% | 21.49% | 1.90% | 6 mths | up to 55 | $55 | ApplyMore Info | |
| Low income requirement and 15.99% on purchases. Also enjoy 55 days interest free and a low annual fee of $65. | 15.99% | 21.74% | N/A | N/A | up to 55 | $65 | ApplyMore Info | |
| Low purchase rate on a gold credit card with a range of gold benefits. | 15.99% | 20.24% | N/A | N/A | up to 55 | $79 | ApplyMore Info | |
Introductory Offer
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Standard Features
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{data:special_offer}Stop Paying too Much for Your Purchases!
If you finance large purchases (like a yearly family holiday) with credit cards, you might be paying too much in interest payments to your credit card company. Stop! If that sounds like you, it's time to re-think things. Get a low rate credit card, and you could save a lot of money as you pay off your balance. Our credit card comparison engine above can help you do that.
How to compare and apply for low interest credit card offers:
The chart in our credit card comparison engine helps you compare low interest rate credit card offers side-by-side so you can find and apply for a better deal. Here's how:
- Decide what a reasonable interest rate would be compared to your current card's rate.
- Scan down the list of low interest offers above, looking at the purchase rate column.
- For all cards meeting your rate requirement, also look at the annual fee.
- Narrow down your low rate card options to those with fees you find acceptable.
- If you plan to transfer existing balances, also look at the balance transfer rates to further narrow down your options.
- For all credit cards you're interested in, hover your mouse pointer over the "More Info" link to the right for more detailed credit card offer information.
- When you narrow it down to one card that feels right to you, click the "Apply" button to access a secure online application form.
That's all there is to it! Our credit card comparison engine makes it easy to compare current low interest rate offers and apply for a new credit card online. You can find a new credit card in a matter of minutes!
What to look for in a low interest credit card:
When you look at all of the low interest credit card details in the credit card comparison engine, what exactly should you pay attention to? Here are a few ideas covering features that might be important to you.
1. The regular low interest rate
2. Any introductory purchase rates that are even lower (and how long they're valid)
3. Balance transfer rates if you need to save money on existing cards' interest payments
4. Annual fees (high fees might negate a low interest rate's savings)
5. Cash advance rates if you plan to use your card for bill payments subjected to that cash advance rate
6. Interest free days on purchases that can help you save even more
7. Any rewards giving you back more than just interest rate savings
Our low interest credit card comparison engine above puts all of this information right in your hands so you can make faster, but well-informed, decisions before applying for a new credit card. Stop waiting for a better offer to come along. You can find one today by comparing the latest offers from a wide variety of credit card companies! Stop being taken for an expensive ride, and start saving on interest for all of your purchases with a new low interest credit card.
