Low Interest Rate Credit Cards

Updated 12 April 2021

Featuring a low ongoing purchase rate, a low interest credit card could help you save on interest if you tend to carry a balance month-to-month.

A low interest rate credit card is a card that charges a low rate of interest on purchases. While that low rate can vary according to the card provider, you will usually find the purchase rate on these cards range from around 9 or 10% p.a. to 14 or 15% p.a. Typically, really low rates feature more on smaller providers such as credit unions and customer-owned banks. However, there are other factors that can affect that low interest rate. Cards that offer a number of features or rewards may have slightly higher purchase rates. So, the more the basic the card, the lower that purchase rate tends to be. Which card you choose will depend on what you want more: money-saving or extras. Making it nice and easy to compare the options, this page features a variety of cards offering low interest ongoing, as well as low interest offers. To find out how well each card does its job in terms of offering low interest, simply check out our handy visual comparison tool. On a desktop, a circle, and on a mobile device, a bar. How far they are filled in shows how strong the offer is. Going beyond each card’s interest rate, you can also check out other important features such as annual fees and balance transfer offers. Again, use our visual comparison tool to get a feel for what each card has to offer here too. If you really want to save money on your card, finding one that combines a low rate with a low fee could be a winner. All that’s left to do is apply.
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1330 reviews for 123 cards listed
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Bendigo Bank Low Rate Credit Card

4 reviews
$0 saved over 24 months

ANZ Low Rate Credit Card – 0% Balance Transfer

61 reviews
$0 saved over 20 months

Westpac Low Rate Credit Card

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Citi Clear Credit Card

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St.George Vertigo Credit Card

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St.George Vertigo Platinum Credit Card – Cashback Offer

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Bendigo Bank Low Rate First Credit Card

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Bank of Melbourne Vertigo Credit Card

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BankSA Vertigo Platinum Credit Card

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Bendigo Bank Low Rate Platinum Credit Card

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BankSA Vertigo Credit Card

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Bank of Melbourne Vertigo Platinum

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NAB Low Rate Credit Card

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ME Frank Credit Card

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NAB StraightUp Card

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St.George Vertigo Platinum Credit Card

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Community First Low Rate Blue Credit Card

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Police Bank Visa Credit Card

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People’s Choice Visa Credit Card

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Orange Credit Union Amigo Credit Card

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Nova Alliance Bank Visa Credit Card

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Northern Inland Credit Union Visa Classic Credit Card

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Greater Bank Visa Credit Card

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First Option Bank Low Rate Credit Card

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Auswide Bank Low Rate Visa Credit Card

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Australian Military Bank Low Rate Visa Credit Card

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Australian Unity Low Rate Credit Card

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American Express Low Rate Credit Card

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Commonwealth Bank Essentials Credit Card

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St.George Vertigo Platinum Rainbow Credit Card

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St.George Vertigo Rainbow Credit Card

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P&N Bank Visa Platinum Credit Card

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P&N Bank Visa Classic Credit Card

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Queensland Country Visa Credit Card

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bcu Rewards Credit Card

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Bank of Us Visa Credit Card

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Credit Union SA Visa Credit Card

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Community First Low Rate Visa Card

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Coles Low Rate Mastercard

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bcu Classic Credit Card

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Bank First Platinum Credit Card

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Community First Low Rate Pink Visa Credit Card

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CUA Low Rate Credit Card

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Sydney Mutual Bank Low Rate Credit Card

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Suncorp Clear Options Standard Credit Card

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IMB Low Rate Credit Card

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Macquarie RateSaver Card

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Heritage Bank Business Visa Credit Card

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Bankwest Breeze Platinum Credit Card

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Bank Australia Low Rate Visa Credit Card

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Commonwealth Bank Low Rate Gold Credit Card

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Virgin Money Low Rate Credit Card

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Commonwealth Bank Low Rate Credit Card

35 reviews
$0 saved over 5 months

Bank of Queensland Low Rate Credit Card

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HSBC Low Rate Credit Card

123 reviews
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Bankwest Breeze Mastercard

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American Express Business Explorer Credit Card

1 review
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Bank of Melbourne Amplify Platinum Credit Card

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Bank of Melbourne Amplify Signature Credit Card

1 review
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Bank of Melbourne Amplify Platinum Credit Card – Qantas

1 review
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BankSA No Annual Fee Credit Card

2 reviews
$0 saved over months

BankSA Amplify Platinum Credit Card

1 review
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BankSA Amplify Signature Credit Card

1 review
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BankSA Amplify Platinum Credit Card – Qantas

3 reviews
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Bendigo Bank Qantas Platinum Credit Card

1 review
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Citi Simplicity Credit Card

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HSBC Platinum Credit Card – 0% Balance Transfer Offer

4 reviews
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NAB Low Fee Platinum Credit Card

1 review
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NAB Low Fee Credit Card

11 reviews
$0 saved over 6 months

NAB Rewards Platinum Credit Card

4 reviews
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