Credit Card Debt Payments Calculator

Plug in your numbers to calculate when you'll be debt-free, how much interest you'll pay, along with your progressive balance.

Your details

Don't forget to choose something!

Your results

Your credit card's remaining balance

 and

Credit card comparisons on Mozo - last updated 18 January 2022

Search promoted credit cards below or do a full Mozo database search. Advertiser disclosure.
  • Apply By 28 February 2022
    placeholder
    Bendigo Bank Low Rate Credit Card

    0% p.a. on purchases for up to 18 months (Reverts to 11.99% p.a). Low annual fee of $45 and no fees for additional cardholders.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    0% p.a. for 18 months then 11.99% p.a.
    No current offer
    $45
    -
    Compare
    Go to site
    Details
  • placeholder
    Virgin Money Virgin Australia Velocity Flyer Card - Bonus Points Offer

    Earn up to 100,000 bonus points in the first 4 months (conditions apply) and 0% Balance transfer for 18 months

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    20.74% p.a.
    0% p.a. for 18 months and then 20.99% p.a.
    $129 $64 in the first year
    Velocity Frequent Flyer
    Compare
    Go to site
    Details
  • Featured Product
    placeholder
    MoneyMe Freestyle Virtual Mastercard

    Use your virtual card instantly once approved (typically within 60 minutes). Features include Tap n Pay with up to 55 days interest-free, transfer money to any bank account and exclusive access to MoneyMe perks. $0 annual fee for lower limits. Must be employed with decent credit history.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    16.99% p.a.
    No current offer
    $209 $0 - $149 based on credit limit, $5/month for balances over $20.
    -
    Compare
    Go to site
    Details
  • placeholder
    Westpac Low Rate

    Enjoy a super low rate of 13.74% with 55 days interest free plus 0% balance transfer for up to 28 months at 1% BT fee. No annual card fee for the first year, $59 thereafter. New Cards only. Offer ends February 24th 2022. T&C's and exclusions apply.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    13.74% p.a.
    0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
    $59 $0 in the first year
    -
    Compare
    Go to site
    Details
  • placeholder
    humm90 Mastercard

    With up to 110 days interest free on your spending, this card is pretty unique in the market, and great for managing your daily spend. Plus, no foreign transaction fees overseas or online. Plus $400 cash back when you spend $4,000 on eligible purchases within first 120 days (T&Cs apply).

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    23.99% p.a.
    No current offer
    $99 $0 in the first year
    -
    Compare
    Go to site
    Details
  • placeholder
    Bendigo Bank Platinum Rewards Credit Card

    Earn 1.5 Bendigo Rewards points for every dollar spent (T&Cs apply). Up to 55 days interest free, comprehensive travel insurance, purchase protection and extended warranty.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    0% p.a. for 12 months then 19.99% p.a.
    No current offer
    $89
    Bendigo Rewards
    Compare
    Go to site
    Details
  • placeholder
    Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    Get in the air with a $129 Virgin Australia Gift Voucher each year. 0% p.a. for 28 months on balance transfers.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    20.74% p.a.
    0% p.a. for 28 months and then 20.99% p.a.
    $129 $0 in the first year
    Velocity Frequent Flyer
    Compare
    Go to site
    Details
  • Apply By 24 February 2022
    placeholder
    St.George Vertigo - Balance Transfer Offer

    0% p.a. for 32 months on balance transfers requested at card application. 0% balance transfer fee applies. Rate then switches to applicable variable cash advance rate. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends February 24th 2022.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    13.99% p.a.
    0% p.a. for 32 months and then 21.49% p.a.
    $55 $0 in the first year
    -
    Compare
    Go to site
    Details
  • Apply By 24 February 2022
    placeholder
    BankSA Vertigo - Balance Transfer Offer

    0% p.a. for 32 months on balance transfers requested at card application. 0% balance transfer fee applies. Rate then switches to applicable variable cash advance rate. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends February 24th 2022.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    13.99% p.a.
    0% p.a. for 32 months and then 21.49% p.a.
    $55 $0 in the first year
    -
    Compare
    Go to site
    Details
  • placeholder
    NAB Low Fee Card

    0% p.a. on balance transfers for 6 months (one off 2% BT fee)

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    19.74% p.a.
    0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
    $30
    -
    Compare
    Go to site
    Details
  • placeholder
    HSBC Platinum Credit Card

    0% p.a. on balance transfers for 36 months with no balance transfer fee. Terms and Conditions apply. Mozo Experts Choice Premium Rewards and Balance Transfer Platinum Credit Card Winner 2020.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    19.99% p.a.
    0% p.a. for 36 months and then 21.99% p.a.
    $129 $29 in the first year
    Rewards Plus
    Compare
    Go to site
    Details
  • placeholder
    Bankwest Breeze Mastercard

    Enjoy 0% p.a on balance transfers for 15 months then 9.90% thereafter. No annual fee for the first year. Limited time only. Other fees, T&Cs apply. New Breeze Mastercard customers only.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    0% p.a. for 15 months then 9.90% p.a.
    0% p.a. for 15 months and then 9.90% p.a.
    $49 $0 in the first year
    -
    Compare
    Go to site
    Details
  • Apply By 24 February 2022
    placeholder
    Bank of Melbourne Vertigo - Balance Transfer Offer

    0% p.a. for 32 months on balance transfers requested at card application. 0% balance transfer fee applies. Rate then switches to applicable variable cash advance rate. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends February 24th 2022.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    13.99% p.a.
    0% p.a. for 32 months and then 21.49% p.a.
    $55 $0 in the first year
    -
    Compare
    Go to site
    Details
  • Apply By 24 February 2022
    placeholder
    St.George Vertigo - Low Rate Offer

    0% p.a. purchase rate for 18 months then reverts to 13.99%. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends February 24th 2022.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    0% p.a. for 18 months then 13.99% p.a.
    No current offer
    $55 $0 in the first year
    -
    Compare
    Go to site
    Details
  • placeholder
    Mozo Experts Choice 2021
    American Express Explorer® Credit Card

    Receive 100,000 Bonus Membership Rewards Points when you spend $4,000 on your new Card within the first 3 months. T&Cs apply. New Card Members only.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    20.74% p.a.
    No current offer
    $395
    Membership Rewards
    Compare
    Go to site
    Details
  • Apply By 9 February 2022
    placeholder
    David Jones American Express Card

    Receive 25,000 Qantas Points or 50,000 Membership Rewards Points when you apply online by 9 February 2022, are approved and spend $1,500 at locations excluding David Jones on your new Card within the first three months. Available to new David Jones American Express Card Members only.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    0% p.a. for 12 months then 20.74% p.a.
    No current offer
    $99
    Qantas Frequent Flyer
    Compare
    Go to site
    Details
  • placeholder
    Mozo Experts Choice 2021
    American Express Velocity Platinum Card

    Receive 100,000 bonus Velocity Points when you apply online, are approved, and spend $3,000 on your new Card within the first 3 months. Available to new Card Members only. Enjoy a complimentary domestic return flight with Virgin Australia to selected cities, each year after your first card spend.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    20.74% p.a.
    No current offer
    $375
    Velocity Frequent Flyer
    Compare
    Go to site
    Details
  • placeholder
    Mozo Experts Choice 2021
    American Express Qantas Discovery Card

    No annual fee. Earn 1.75 Qantas Points on eligible Qantas products and services (T&Cs apply). Mozo Experts Choice Qantas Frequent Flyer Credit Card Winner 2021^.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    20.74% p.a.
    No current offer
    $0
    Qantas Frequent Flyer
    Compare
    Go to site
    Details
  • placeholder
    NAB StraightUp Card

    $10/month - $1,000 Credit Limit

    Pay no interest and no late payment fees, just a $10 monthly fee for a $1,000 credit limit. Plus, if you don't make any purchases and have an outstanding balance of $0 during the whole statement period, the monthly fee will be reversed. Also pay no foreign currency fees when you shop online or overseas. Mozo Experts Choice Credit Card Innovation Winner 2020^.

    Purchase rate
    Balance transfer rate
    Annual fee
    Rewards program
    0% p.a.
    No current offer
    $120 $10/month - waived if no spend & no balance owing
    -
    Compare
    Go to site
    Details
Search now

Credit Card Debt Payments Calculator quick links

^See information about the Mozo Experts Choice Credit cards Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.