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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 Switch and Save calculator 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

  • promoted

    Bendigo Bank Low Rate Mastercard

    • Up to 55 days interest free
    • Interest calculated from statement date not purchase date
    • Android Pay and Protect+Pay security app

    purchase
    rate

    11.99% p.a.

    annual
    fee

    $45

    balance
    transfer rate

  • MOZO EXPERTS CHOICE 2017
    promoted

    ME frank Credit Card

    • Experts Choice Winner - Best Low Rate & Fee Free Credit Card
    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases

    purchase
    rate

    11.99% p.a.

    annual
    fee

    $0

    balance
    transfer rate

  • promoted

    NAB Low Rate Card

    • 0% p.a on balance transfers for 16 months (one off 2% BT fee)
    • Up to 55 days interest free on purchases
    • Secure online application and fast response

    purchase
    rate

    13.99% p.a.

    annual
    fee

    $59

    balance
    transfer rate

    0% p.a. for 16 months and then 21.74% p.a. (2.00% balance transfer fee)

  • promoted

    ANZ Low Rate

    • $1,000 minimum credit limit
    • Enjoy $100 back to a new ANZ Low Rate Credit Card
    • Up to 55 days interest free on purchases

    purchase
    rate

    12.49% p.a.

    annual
    fee

    $58

    balance
    transfer rate

  • promoted

    Coles Low Rate Mastercard

    • Collect flybuys points faster when you shop at Coles
    • Earn 0.5 flybuys points for every dollar spent on the card at Coles Supermarkets
    • Free delivery when you spend $100 at Coles online with your Coles Credit Card

    purchase
    rate

    12.99% p.a.

    annual
    fee

    $58

    balance
    transfer rate

    0% p.a. for 6 months and then 12.99% p.a.

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