If you’re looking for a little bit of extra help with your purchases, then the 2022 Mozo Experts Choice Award-winning Low Rate Visa credit card from Auswide Bank is an option you may want to consider. This low rate credit card comes with a couple of key features, like a low annual fee, up to 55 interest free days and free additional cards, all with a 10.99% purchase rate.
The Auswide Bank Low Rate Visa purchase rate is a low 10.99% and comes with the pretty unique feature of tracking the RBA cash rate. That mean that your credit card interest rate will only ever go up or down when the Reserve Bank’s official cash rate does.
For anyone under 25 years old, the Auswide Bank Low Rate Visa also has no annual fee, this means the card be pretty much free if you manage to always pay off your balance on time. For everyone else, the annual fee is $50.
One nice bonus of the Auswide Bank Low Rate Visa is the Worldwide Accommodation Discounts. This deal gives you access to discounts on the over 1.3 million holiday properties listed on Agoda.com.
If you’d like to share this card account with your spouse, kids or other close family member, you can score an additional card at no extra cost.
You’ll also find getting to use your card easy, as you’ll have 24/7 access to your account to schedule payments, transfer funds and view your balance, as well as being able to make withdrawals from both domestic and international ATMs.
The card also comes with credit limits ranging from $500-$30,000. The credit limit you wind up with will depend on Auswide Bank’s lending criteria.
If you are looking to change credit cards, Auswide Bank are offering 0% p.a. on balance transfers for first 12 months.
As the card has no annual fee for individuals under 25, and credit limits start as low as $500, this might be a good pick for young spenders just starting out, and looking for their very first piece of plastic.
While there aren’t any major catches to be aware of, it’s always good to remember to pay off your credit card debt in full each pay cycle, so you avoid needing to pay interest on your purchases.
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10.99% p.a. |
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none |
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0% p.a. for 12 months and then 10.99% p.a. |
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yes |
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|
10.99% p.a. |
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|
55 |
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$50.00 |
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none |
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none |
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none |
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$20.00 |
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$3.50 |
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3.00% |
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$0.00 |
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$0.00 |
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$0.00 |
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$30.00 |
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3.0 |
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4 |
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none |
Apple Pay, Google Wallet
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Velocity Escape Card
23.99% p.a.
No current offer
$0
Velocity Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
60,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
50,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Blue Visa Credit Card
0% p.a. for 9 months then 20.74% p.a.
0% p.a. for 9 months and then 21.74% p.a.
$60
Flex Card
0% p.a.
No current offer
$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.
StraightUp Card
n/a
No current offer
$240 $20/month - waived if no spend & no balance owing
n0w Credit Card
n/a
No current offer
$228 Monthly fee is waived if account has a $0 balance and if card isn't used during the calendar month.
Platinum Mastercard
0% p.a. for 3 months then 25.80% p.a.
No current offer
$99
