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Low interest credit cards

  • Low interest credit cards are a cheap way to manage your purchases if you, ahem, forget to pay off the total balance from time to time. While many credit cards charge 20% or more on purchases, low interest rates can save you hundreds of dollars a year.

  • Where can I find low interest credit cards?

    Most credit card providers now offer low interest rate deals - and they're perfect for people with a little credit debt, as you'll avoid disastrously high interest payments and pay off your debt faster. However, you'll usually encounter an annual fee and little in the way of a rewards program.

  • Do I need the lowest rate credit card or a balance transfer?

    Good question! So good, in fact, we can't answer it here. But with a couple of quick details our Credit Card Health Check tool can answer it in seconds (it's that much cleverer than us).

  • Can I apply online for a low rate credit card?

    Indeed you can - simply hit the 'go to site' button to the right of your low interest rate credit card and we'll shoot you through to an online credit card application with the provider.

Credit card comparisons on Mozo Rates updated daily

  • NAB Low Rate Card

    NAB Low Rate Card

    • 0% p.a. on purchases for the first 12 months
    • 4.99% p.a on balance transfers for 6 months
    • Secure online application. Get a response in 60 seconds.

    purchase rate

    0% for 12 months then 13.99%

    annual fee

    $59

    balance transfer rate

    4.99% for 6 months

    Go to site
    • 0% p.a. on purchases for the first 12 months
    • 4.99% p.a on balance transfers for 6 months
    • Secure online application. Get a response in 60 seconds.
    Product info
    • Balance transfer rate: 4.99% for 6 months
    • Annual fee: $59
    • Purchase rate: 0% for 12 months then 13.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 1.75%, Min $1.75
    • Rewards description:
    Overall rating

    7.2

    Based on 737 NAB credit card reviews

    Need more information?
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    More info

  • St.George Vertigo Platinum

    St.George Vertigo Platinum

    • 0% p.a. on balance transfers for the first 20 months
    • 0% p.a. on purchases for the first 3 months
    • $99 annual fee

    purchase rate

    0% for 3 months then 12.74%

    annual fee

    $99

    balance transfer rate

    0% for 20 months and then 21.49%

    Go to site
    • 0% p.a. on balance transfers for the first 20 months
    • 0% p.a. on purchases for the first 3 months
    • $99 annual fee
    Product info
    • Balance transfer rate: 0% for 20 months and then 21.49%
    • Annual fee: $99
    • Purchase rate: 0% for 3 months then 12.74%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.0

    Based on 170 St.George credit card reviews

    Need more information?
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  • ANZ Low Rate

    ANZ Low Rate

    • 0% p.a. on balance transfers for the first 16 months (2% balance transfer fee applies)
    • Low ongoing interest rate of 13.49% p.a. on purchases
    • Up to 55 days interest free on purchases

    purchase rate

    13.49%

    annual fee

    $58

    balance transfer rate

    0% for 16 months (2.00% handling fee)

    Go to site
    • 0% p.a. on balance transfers for the first 16 months (2% balance transfer fee applies)
    • Low ongoing interest rate of 13.49% p.a. on purchases
    • Up to 55 days interest free on purchases
    Product info
    • Balance transfer rate: 0% for 16 months (2.00% handling fee)
    • Annual fee: $58
    • Purchase rate: 13.49%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 2%
    • Rewards description:
    Overall rating

    7.0

    Based on 992 ANZ credit card reviews

    Need more information?
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  • Westpac Low Rate - Online Only Offer

    Westpac Low Rate - Online Only Offer

    • 0% p.a. rate on balance transfers for 18 months when requested at card application
    • 0% p.a. on purchases for the first 3 months
    • Online only offer for applications approved by 30 September 2015

    purchase rate

    0% for 3 months then 13.49%

    annual fee

    $59

    balance transfer rate

    0% for 18 months and then 21.49% (2.00% handling fee)

    Go to site
    • 0% p.a. rate on balance transfers for 18 months when requested at card application
    • 0% p.a. on purchases for the first 3 months
    • Online only offer for applications approved by 30 September 2015
    Product info
    • Balance transfer rate: 0% for 18 months and then 21.49% (2.00% handling fee)
    • Annual fee: $59
    • Purchase rate: 0% for 3 months then 13.49%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%, Min $2.50, Max $150
    • Rewards description:
    Overall rating

    7.3

    Based on 690 Westpac credit card reviews

    Need more information?
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  • St.George Vertigo

    St.George Vertigo

    • 0% p.a. on balance transfers for the first 18 months
    • 0% p.a. on purchases for the first 3 months
    • Up to 55 interest free days on purchases

    purchase rate

    0% for 3 months then 13.24%

    annual fee

    $55

    balance transfer rate

    0% for 18 months and then 21.49%

    Go to site
    • 0% p.a. on balance transfers for the first 18 months
    • 0% p.a. on purchases for the first 3 months
    • Up to 55 interest free days on purchases
    Product info
    • Balance transfer rate: 0% for 18 months and then 21.49%
    • Annual fee: $55
    • Purchase rate: 0% for 3 months then 13.24%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.0

    Based on 170 St.George credit card reviews

    Need more information?
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    More info

  • Coles Low Rate MasterCard

    Coles Low Rate MasterCard

    • Recieve $100 off a single Coles Supermarket shop. New customers only. T&C's apply.
    • Apply & be approved by 6 October 2015
    • Get $10 off your Coles Supermarket shop, instantly at the till, every time you redeem 2,000 flybys points.

    purchase rate

    12.99%

    annual fee

    $49

    balance transfer rate

    0% for 6 months

    Go to site
    • Recieve $100 off a single Coles Supermarket shop. New customers only. T&C's apply.
    • Apply & be approved by 6 October 2015
    • Get $10 off your Coles Supermarket shop, instantly at the till, every time you redeem 2,000 flybys points.
    Product info
    • Balance transfer rate: 0% for 6 months
    • Annual fee: $49
    • Purchase rate: 12.99%
    • Interest free days: 62
    • Interest rate on cash withdrawals: 19.99%
    • Fee for cash withdrawals: 3%, Min $1.95
    • Rewards description:
    Overall rating

    6.4

    Based on 83 Coles credit card reviews

    Need more information?
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    More info

  • ANZ Low Rate Platinum

    ANZ Low Rate Platinum

    • 0% p.a. on balance transfers for the first 16 months (2% balance transfer fee applies)
    • Ongoing interest rate of 13.49% p.a. on purchases
    • Enjoy complimentary overseas travel and medical insurance

    purchase rate

    13.49%

    annual fee

    $99

    balance transfer rate

    0% for 16 months (2.00% handling fee)

    Go to site
    • 0% p.a. on balance transfers for the first 16 months (2% balance transfer fee applies)
    • Ongoing interest rate of 13.49% p.a. on purchases
    • Enjoy complimentary overseas travel and medical insurance
    Product info
    • Balance transfer rate: 0% for 16 months (2.00% handling fee)
    • Annual fee: $99
    • Purchase rate: 13.49%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 2%
    • Rewards description:
    Overall rating

    7.0

    Based on 992 ANZ credit card reviews

    Need more information?
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    More info

  • Bank of Melbourne Vertigo Platinum

    Bank of Melbourne Vertigo Platinum

    • 0% p.a. on balance transfers for the first 20 months
    • 0% p.a on purchases for the first 3 months
    • $99 annual fee

    purchase rate

    0% for 3 months then 12.74%

    annual fee

    $99

    balance transfer rate

    0% for 20 months and then 21.49%

    Go to site
    • 0% p.a. on balance transfers for the first 20 months
    • 0% p.a on purchases for the first 3 months
    • $99 annual fee
    Product info
    • Balance transfer rate: 0% for 20 months and then 21.49%
    • Annual fee: $99
    • Purchase rate: 0% for 3 months then 12.74%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.9

    Based on 31 Bank of Melbourne credit card reviews

    Need more information?
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    More info

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