Cheap Credit Card Rates of 2020

Cheap Credit Card Rates - page last updated October 31, 2020

Search promoted credit cards below or do a full Mozo database search. Advertiser disclosure.

  • Hot Deal$200 Cashback Offer (T&Cs apply)

    Thumbnail icon for Westpac
    Westpac Low Rate

    13.74% p.a.

    0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

    $59

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  • Thumbnail icon for Virgin Money
    Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    20.74% p.a.

    0% p.a. for 22 months and then 20.99% p.a.

    $129 $64 in the first year

    Velocity Frequent Flyer

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  • Apply ByNovember 30, 2020

    Thumbnail icon for Qantas Money
    Qantas Money Qantas Premier Platinum

    19.99% p.a.

    0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

    $299 $199 in the first year

    Qantas Frequent Flyer

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  • Thumbnail icon for ME
    ME frank Credit Card

    11.99% p.a.

    No current offer

    $0

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  • Thumbnail icon for ANZ
    ANZ Low Rate

    12.49% p.a.

    0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

    $58 $0 in the first year

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  • Thumbnail icon for NAB
    NAB Low Rate Card

    12.99% p.a.

    0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

    $59

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      Compare
    Details
  • Thumbnail icon for St.George
    mozo-experts-choice-2020
    St.George Vertigo

    0% p.a. for 7 months then 13.99% p.a.

    0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

    $55 $0 in the first year

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    Details
  • Thumbnail icon for American Express
    mozo-experts-choice-2020
    American Express Qantas Discovery Card

    20.74% p.a.

    No current offer

    $0

    Qantas Frequent Flyer

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    Details
  • Thumbnail icon for Bankwest
    Bankwest Zero Platinum Mastercard

    17.99% p.a.

    2.99% p.a. for 9 months and then 17.99% p.a.

    $0

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  • Thumbnail icon for Suncorp
    Suncorp Clear Options Platinum

    20.74% p.a.

    No current offer

    $129

    Suncorp Rewards

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    Details
  • Thumbnail icon for Bank of Melbourne
    Bank of Melbourne Vertigo

    0% p.a. for 7 months then 13.99% p.a.

    0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

    $55 $0 in the first year

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    Details
  • Thumbnail icon for NAB
    mozo-experts-choice-2020
    NAB StraightUp Card

    $10/month - $1,000 Credit Limit

    0% p.a.

    No current offer

    $120 $10/month - waived if no spend & no balance owing

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    Details
  • Thumbnail icon for BankSA
    BankSA Amplify Platinum

    0% p.a. for 7 months then 19.74% p.a.

    0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

    $99 $0 in the first year

    Amplify Rewards

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    Details
  • Thumbnail icon for Bankwest
    Bankwest Breeze Mastercard

    0% p.a. for 15 months then 10.99% p.a.

    2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

    $49

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    Details
  • Apply ByNovember 30, 2020

    Thumbnail icon for Citi
    Citi Rewards

    21.49% p.a.

    0% p.a. for 30 months and then 22.24% p.a. (1.50% balance transfer fee)

    $149 $49 in the first year

    Citi Rewards Program

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    Details
  • Thumbnail icon for Virgin Money
    Virgin Money No Annual Fee Card

    0% p.a. for 12 months then 18.99% p.a.

    0% p.a. for 12 months and then 20.99% p.a.

    $0

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    Details

^See information about the Mozo Experts Choice Credit cards Awards

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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.

Credit Card Resources

Views, news, tips and guides to help find the best credit card for you.

Credit Card Reviews

ANZ Low Rate review
Overall 9/10
Great service.

Excellent product. ANZ customer service has been fantastic in helping me find the best product suited for me.

Read full review

Excellent product. ANZ customer service has been fantastic in helping me find the best product suited for me.

Price
8/10
Features
8/10
Customer service
8/10
Convenience
8/10
Trust
8/10
Less
Nakita, Western Australia reviewed 2 days ago
Westpac Low Rate review
Overall 10/10
Great people.

Good rate. $200 baby bonus for opening an account in 2017. Friendly staff, easy to get to and easy to use app.

Read full review

Good rate. $200 baby bonus for opening an account in 2017. Friendly staff, easy to get to and easy to use app.

Price
10/10
Features
10/10
Customer service
9/10
Convenience
9/10
Trust
7/10
Less
Laurinda, Victoria reviewed 2 days ago
Latitude Gem Visa review
Overall 1/10
Terrible service/stealing money from the customer.

Not enough information is passed to the customer and do not believe what the bank offer. They charged me annual fee (it was not included in my plan and no annual fee was deducted from my account for the first 4 years and all of a sudden deducted annual fee without informing the customer). In addition no notification was provided to notify that interest free period is about to expire and stealing money.

Read full review

Not enough information is passed to the customer and do not believe what the bank offer. They charged me annual fee (it was not included in my plan and no annual fee was deducted from my account for the first 4 years and all of a sudden deducted annual fee without informing the customer). In addition no notification was provided to notify that interest free period is about to expire and stealing money.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Jo, Victoria reviewed 2 days ago

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