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  • 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 18 months
    • 0% p.a. on purchases for the first 6 months
    • Up to 55 interest free days on purchases

    purchase rate

    0% p.a. for 6 months then 12.74% p.a.

    annual fee

    $99 $0 in the first year for existing St.George customers

    balance transfer rate

    0% p.a. for 18 months

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    More info

    • 0% p.a. on balance transfers for the first 18 months
    • 0% p.a. on purchases for the first 6 months
    • Up to 55 interest free days on purchases
    • Balance transfer rate: 0% p.a. for 18 months
    • Annual fee: $99 $0 in the first year for existing St.George customers
    • Purchase rate: 0% p.a. for 6 months then 12.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • 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?
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    More info

  • ANZ Low Rate

    ANZ Low Rate

    • $100 Back to your new ANZ Low Rate Credit Card
    • 0% p.a on purchases for the first 6 month from approval
    • Up to 55 days interest free on purchases

    purchase rate

    0% p.a. for 6 months then 13.49% p.a.

    annual fee

    $58

    balance transfer rate

    Go to site

    More info

    • $100 Back to your new ANZ Low Rate Credit Card
    • 0% p.a on purchases for the first 6 month from approval
    • Up to 55 days interest free on purchases
    • Balance transfer rate:
    • Annual fee: $58
    • Purchase rate: 0% p.a. for 6 months then 13.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74% p.a.
    • 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

    • % p.a on purchases for months
    • 0% p.a on balance transfers for 18 months (one off 3% BT fee)
    • Secure online application and fast response

    purchase rate

    13.99% p.a.

    annual fee

    $59

    balance transfer rate

    0% p.a. for 18 months and then 21.74% p.a. (3.00% balance transfer fee)

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    More info

    • % p.a on purchases for months
    • 0% p.a on balance transfers for 18 months (one off 3% BT fee)
    • Secure online application and fast response
    • Balance transfer rate: 0% p.a. for 18 months and then 21.74% p.a. (3.00% balance transfer fee)
    • Annual fee: $59
    • Purchase rate: 13.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.2

    Based on 1409 NAB credit card reviews

    Need more information?
    Go to site

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  • St.George Amplify Classic (Qantas)

    St.George Amplify Classic (Qantas)

    • 0% p.a. on purchases for 6 months
    • 0% p.a. on balance transfers for 18 months
    • Up to 55 interest free days on purchases

    purchase rate

    0% p.a. for 6 months then 19.49% p.a.

    annual fee

    $79 $0 in the first year for existing St.George customers

    balance transfer rate

    0% p.a. for 18 months

    Go to site

    More info

    • 0% p.a. on purchases for 6 months
    • 0% p.a. on balance transfers for 18 months
    • Up to 55 interest free days on purchases
    • Balance transfer rate: 0% p.a. for 18 months
    • Annual fee: $79 $0 in the first year for existing St.George customers
    • Purchase rate: 0% p.a. for 6 months then 19.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 20.24% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    7.0

    Based on 330 St.George credit card reviews

    Need more information?
    Go to site

    More info

  • Bankwest Breeze Platinum MasterCard

    Bankwest Breeze Platinum MasterCard

    • 0% p.a. on balance transfers for 21 months (2% BT fee applies)
    • Complimentary Credit Card Travel Insurance (T&Cs apply)
    • No foreign transaction fees on online and overseas purchases

    purchase rate

    12.99% p.a.

    annual fee

    $99

    balance transfer rate

    0% p.a. for 21 months (2.00% balance transfer fee)

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    More info

    • 0% p.a. on balance transfers for 21 months (2% BT fee applies)
    • Complimentary Credit Card Travel Insurance (T&Cs apply)
    • No foreign transaction fees on online and overseas purchases
    • Balance transfer rate: 0% p.a. for 21 months (2.00% balance transfer fee)
    • Annual fee: $99
    • Purchase rate: 12.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • 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

    • $100 off a single Coles Supermarket shop if you apply & are approved by 28th Feb 2017
    • Earn 0.5 flybuys points for every dollar spent on the card at Coles Supermarkets
    • Low annual fee of $49 p.a.

    purchase rate

    12.99% p.a.

    annual fee

    $49

    balance transfer rate

    0% p.a. for 6 months

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    More info

    • $100 off a single Coles Supermarket shop if you apply & are approved by 28th Feb 2017
    • Earn 0.5 flybuys points for every dollar spent on the card at Coles Supermarkets
    • Low annual fee of $49 p.a.
    • Balance transfer rate: 0% p.a. for 6 months
    • Annual fee: $49
    • Purchase rate: 12.99% p.a.
    • Interest free days: 62
    • Interest rate on cash withdrawals: 19.99% p.a.
    • 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

  • Bankwest Breeze MasterCard

    Bankwest Breeze MasterCard

    • 0% p.a. on balance transfers for 21 months (2% BT fee applies)
    • Low ongoing purchase rate of 12.99% p.a
    • Up to 3 additional cardholders at no additional cost

    purchase rate

    12.99% p.a.

    annual fee

    $59

    balance transfer rate

    0% p.a. for 21 months (2.00% balance transfer fee)

    Go to site

    More info

    • 0% p.a. on balance transfers for 21 months (2% BT fee applies)
    • Low ongoing purchase rate of 12.99% p.a
    • Up to 3 additional cardholders at no additional cost
    • Balance transfer rate: 0% p.a. for 21 months (2.00% balance transfer fee)
    • Annual fee: $59
    • Purchase rate: 12.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • 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

  • Westpac Low Rate - Exclusive Offer

    Westpac Low Rate - Exclusive Offer

    • 0% p.a on balance transfers for the first 24 months
    • Variable purchase rate of 13.49%p.a
    • Bank on-the-go with Westpac Mobile Banking

    purchase rate

    13.49% p.a.

    annual fee

    $59

    balance transfer rate

    0% p.a. for 24 months (2.00% balance transfer fee)

    Go to site

    More info

    • 0% p.a on balance transfers for the first 24 months
    • Variable purchase rate of 13.49%p.a
    • Bank on-the-go with Westpac Mobile Banking
    • Balance transfer rate: 0% p.a. for 24 months (2.00% balance transfer fee)
    • Annual fee: $59
    • Purchase rate: 13.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • 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

Want more? Compare all 203 credit cards in the Mozo comparison engine.

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