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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

  • 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

    More info

    • 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 330 St.George credit card reviews

    Need more information?
    Go to site

    More info

  • Bank of Melbourne Vertigo

    Bank of Melbourne 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

    More info

    • 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

    7.8

    Based on 69 Bank of Melbourne credit card reviews

    Need more information?
    Go to site

    More info

  • ANZ Low Rate

    ANZ Low Rate

    • 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
    • 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 18 months (3.00% balance transfer fee)

    Go to site

    More info

    • 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
    • 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 18 months (3.00% balance transfer 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

    6.9

    Based on 1932 ANZ credit card reviews

    Need more information?
    Go to site

    More info

  • BCU Classic

    BCU Classic

    • 0% p.a. on balance transfers for 12 months. Limited time only
    • Low ongoing purchase rate of 11.80% p.a
    • Up to 55 days interest free on purchases

    purchase rate

    11.80%

    annual fee

    $40

    balance transfer rate

    0% for 12 months

    Go to site

    More info

    • 0% p.a. on balance transfers for 12 months. Limited time only
    • Low ongoing purchase rate of 11.80% p.a
    • Up to 55 days interest free on purchases
    Product info
    • Balance transfer rate: 0% for 12 months
    • Annual fee: $40
    • Purchase rate: 11.80%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 11.80%
    • Fee for cash withdrawals: $1.25
    • Rewards description:
    Overall rating

    9.1

    Based on 38 BCU credit card reviews

    Need more information?
    Go to site

    More info

  • 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

    More info

    • 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 330 St.George credit card reviews

    Need more information?
    Go to site

    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

    More info

    • 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

    7.8

    Based on 69 Bank of Melbourne credit card reviews

    Need more information?
    Go to site

    More info

  • ANZ Low Rate Platinum

    ANZ Low Rate Platinum

    • 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
    • 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 18 months (3.00% balance transfer fee)

    Go to site

    More info

    • 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
    • Ongoing interest rate of 13.49% p.a. on purchases
    • Enjoy complimentary overseas travel and medical insurance
    Product info
    • Balance transfer rate: 0% for 18 months (3.00% balance transfer 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

    6.9

    Based on 1932 ANZ credit card reviews

    Need more information?
    Go to site

    More info

  • NAB Low Rate Card

    NAB Low Rate Card

    • Make purchases with our lowest interest rate and longest interest-free period
    • 0% p.a on balance transfers for 24 months (with 2.5% balance transfer fee)
    • Secure online application. Get a response in 60 seconds.

    purchase rate

    13.99%

    annual fee

    $59

    balance transfer rate

    0% for 24 months (2.50% balance transfer fee)

    Go to site

    More info

    • Make purchases with our lowest interest rate and longest interest-free period
    • 0% p.a on balance transfers for 24 months (with 2.5% balance transfer fee)
    • Secure online application. Get a response in 60 seconds.
    Product info
    • Balance transfer rate: 0% for 24 months (2.50% balance transfer fee)
    • Annual fee: $59
    • Purchase rate: 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 1409 NAB credit card reviews

    Need more information?
    Go to site

    More info

  • 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 29 February 2016

    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% balance transfer fee)

    Go to site

    More info

    • 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 29 February 2016
    Product info
    • Balance transfer rate: 0% for 18 months and then 21.49% (2.00% balance transfer 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

    7.2

    Based on 1431 Westpac credit card reviews

    Need more information?
    Go to site

    More info

  • Bankwest Breeze Platinum MasterCard

    Bankwest Breeze Platinum MasterCard

    • 0% p.a. balance transfer rate for 21 months ( 2% Balance Transfer Fee applies)
    • Low ongoing purchase rate of 12.99% p.a. Limited time only.
    • No foreign transaction fees on online and overseas purchases

    purchase rate

    12.99%

    annual fee

    $99

    balance transfer rate

    0% for 21 months (2.00% balance transfer fee)

    Go to site

    More info

    • 0% p.a. balance transfer rate for 21 months ( 2% Balance Transfer Fee applies)
    • Low ongoing purchase rate of 12.99% p.a. Limited time only.
    • No foreign transaction fees on online and overseas purchases
    Product info
    • Balance transfer rate: 0% for 21 months (2.00% balance transfer fee)
    • Annual fee: $99
    • Purchase rate: 12.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99%
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    7.7

    Based on 298 Bankwest credit card reviews

    Need more information?
    Go to site

    More info

  • Hunter United Credit Union Low Rate Visa Credit Card

    Hunter United Credit Union Low Rate Visa Credit Card

    • 0% p.a. on balance transfers for the first 3 months
    • Low ongoing purchase rate of 11.99% p.a.
    • Up to $30,000 credit limit

    purchase rate

    11.99%

    annual fee

    $59

    balance transfer rate

    0% for 3 months

    Go to site

    More info

    • 0% p.a. on balance transfers for the first 3 months
    • Low ongoing purchase rate of 11.99% p.a.
    • Up to $30,000 credit limit
    Product info
    • Balance transfer rate: 0% for 3 months
    • Annual fee: $59
    • Purchase rate: 11.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 16.99%
    • Fee for cash withdrawals: $0
    • Rewards description:
    Need more information?
    Go to site

    More info

  • Bankwest Breeze Gold MasterCard

    Bankwest Breeze Gold MasterCard

    • 0% p.a. on balance transfers for 21 months
    • Low ongoing purchase rate of 12.99% p.a
    • Up to 3 additional cardholders at no additional cost

    purchase rate

    12.99%

    annual fee

    $89

    balance transfer rate

    0% for 21 months (2.00% balance transfer fee)

    Go to site

    More info

    • 0% p.a. on balance transfers for 21 months
    • Low ongoing purchase rate of 12.99% p.a
    • Up to 3 additional cardholders at no additional cost
    Product info
    • Balance transfer rate: 0% for 21 months (2.00% balance transfer fee)
    • Annual fee: $89
    • Purchase rate: 12.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99%
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    7.7

    Based on 298 Bankwest credit card reviews

    Need more information?
    Go to site

    More info

  • Coles Low Rate MasterCard

    Coles Low Rate MasterCard

    • Low ongoing purchase rate of 9.99% p.a.
    • Earn 0.5 flybuys points for every dollar spent on the card
    • Low annual fee of $49 p.a.

    purchase rate

    9.99%

    annual fee

    $49

    balance transfer rate

    0% for 6 months

    Go to site

    More info

    • Low ongoing purchase rate of 9.99% p.a.
    • Earn 0.5 flybuys points for every dollar spent on the card
    • Low annual fee of $49 p.a.
    Product info
    • Balance transfer rate: 0% for 6 months
    • Annual fee: $49
    • Purchase rate: 9.99%
    • Interest free days: 62
    • Interest rate on cash withdrawals: 19.99%
    • Fee for cash withdrawals: 3%, Min $1.95
    • Rewards description:
    Overall rating

    6.8

    Based on 156 Coles credit card reviews

    Need more information?
    Go to site

    More info

  Compare

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