Credit cards

Fact Checked
credit cards

Low interest credit card comparisons on Mozo - last updated 17 April 2024

Search promoted credit cards below or do a full Mozo database search. Advertiser disclosure.
  • placeholder
    NAB Low Rate Card - Balance Transfer Offer

    Spend with confidence with a low 12.49% p.a. variable purchase rate and 0% p.a. interest on balance transfers for the first 28 months (T&Cs apply). 2% balance transfer fee applies. There’s also up to 55 interest free days on purchases to help you manage your budget better when you make minimum repayments. Minimum credit limit $1,000. No annual fee for the first year (usually $59).

    Purchase rate
    Balance transfer rate
    Annual fee
    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
    Compare
    Details
  • placeholder
    American Express Low Rate Credit Card

    Competitive low rate with $0 Annual Fee. Offers Card Refund Cover and Card Purchase Cover. Must have no history of bed debt or payment default, be aged 18 years and over, and be an Australian citizen, permanent resident, or hold a long term visa.

    Purchase rate
    Balance transfer rate
    Annual fee
    10.99% p.a.
    No current offer
    $0
    Compare
    Details
  • placeholder
    HSBC Low Rate Credit Card

    Purchase rate
    Balance transfer rate
    Annual fee
    12.99% p.a.
    0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
    $99
    Compare
    Details
  • placeholder
    Australian Unity Low Rate Visa Credit Card

    Purchase rate
    Balance transfer rate
    Annual fee
    9.90% p.a.
    No current offer
    $59
    Compare
    Details
  • placeholder
    MOVE Bank Low Rate Credit Card

    Purchase rate
    Balance transfer rate
    Annual fee
    8.99% p.a.
    0% p.a. for 6 months and then 8.99% p.a.
    $59 $0 in the first year
    Compare
    Details
Search now

^See information about the Mozo Experts Choice Credit cards Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

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 providers we compare at Mozo

Save with deals from the following well-known brands and many more...

See more credit card providers

Credit Card Resources

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

Credit Card Reviews

28 Degrees Credit Card
Overall 6/10
Great Card, appalling service.

The card for overseas is fantastic. No fees and great conversion rates. However the customer service is worse that appalling. I've tried to get an additional card for my partner both on-line and via their support email and its been 3 weeks of bad non existent service. I wonder if I lost a card or had it stolen whether I'd get any help.

Read full review

The card for overseas is fantastic. No fees and great conversion rates. However the customer service is worse that appalling. I've tried to get an additional card for my partner both on-line and via their support email and its been 3 weeks of bad non existent service. I wonder if I lost a card or had it stolen whether I'd get any help.

Price
10/10
Features
10/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Martine, Queensland, reviewed 15 days ago
Commonwealth Bank Ultimate Awards Credit Card
Overall 10/10
Bella

Amazing providers as a 19 year old mum i ama thankful two have the opportunitys i have had with vom bank

Read full review

Amazing providers as a 19 year old mum i ama thankful two have the opportunitys i have had with vom bank

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Rose, Queensland, reviewed 15 days ago
ING Orange One Low Rate Credit Card
Overall 9/10
No annual fee and low interest rates!

Pros: - No annual fee - Low interest rate for purchases - Access to Apple Pay - Ability to transfer balances from one ING account to another Cons : - No rewards or cashback - Foreign transaction fees may apply

Read full review

Pros: - No annual fee - Low interest rate for purchases - Access to Apple Pay - Ability to transfer balances from one ING account to another Cons : - No rewards or cashback - Foreign transaction fees may apply

Price
9/10
Features
8/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Elizabeth, New South Wales, reviewed 15 days ago

More credit card reviews

View all credit card guides

Choosing A Credit Card
Which credit card is best for me?

Having trouble deciding which kind of plastic will be the best fit for your wallet? Well, there’s a really easy way to do it - you can use our handy decision tree to lead you to the right choice:

Purple Background Blank Card
Low rate credit cards

Want a simple, convenient card that won’t cost an arm and a leg? Not really interested in complicated rewards schemes and counting points? Occasionally miss a monthly payment (or two)?

Credit Card Features Guide Content Min
Credit card features

Your credit card has many benefits and features you may not even be aware of; some help you out when travelling, others will save you money while and you can even get a credit card that makes you f...

Top Reasons For A Credit Card Min
Top reasons for a credit card

According to the Moneysmart debt clock, the average Australian card holder is paying over $700 interest on their credit card annually so there is good reason, if you don’t already have a credit car...

Credit Card Lady In Sweater
Types of Credit Cards

Gone are the days when banks had one or two different types of credit cards you could choose from! Now there are plenty of types of credit cards on offer in a very competitive market, all come in d...

Person Holding Credit Card
Applying for a credit card

Credit cards may not have the best reputation, as the media is often quick to portray the negative connotations associated with them. If you lack self-discipline, a credit card can run you into tro...

Credit Card Payment Min
Credit card payment

You may look at your monthly statement and think that it’s in ‘google gog’ but don’t stress as we’ll demystify all things relating to credit card payments to have you understanding your bill in no ...

Top Reasons For A Credit Card Min
Credit card pros & cons

It’s no secret that credit cards have a notorious reputation for being the fastest way to plunge into debt. No doubt you’ve heard plenty of credit card horror stories. You might even have a friend ...

More credit card guides

Calculators

Switch and Save

See calculator

Debt repayments calculator

See calculator