Credit cards

Fact Checked
credit cards

Low interest credit card comparisons on Mozo

Mozo may receive payment if you click products on our site. We don’t compare the entire market, but you can search our database of 192 products
Last updated 23 November 2024Important disclosures
  • Citi Rewards - Balance Transfer and Purchases offer

    Enjoy 0% p.a. for 15 months on purchases and balance transfers. Balance transfer reverts to cash advance rate. Earn up to 1 Citi reward Point per $1 on eligible transactions. Access up to 3 months complimentary International Travel Insurance and up to 14 days Domestic Travel Insurance with a Citi Rewards Credit Card when meeting eligibility criteria. Apply for a credit limit from $2,000 up to $100,000. Balance transfer fee applies. This product is provided by National Australia Bank Limited, using certain trademarks temporarily under licence from Citigroup Inc.

    Purchase rate
    Balance transfer rate
    Annual fee
    0% p.a. for 15 months then 21.49% p.a.
    0% p.a. for 15 months and then 22.24% p.a. (2.00% balance transfer fee)
    $199
    Compare
    Details
  • 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 24 months and then 21.74% p.a. (3.00% balance transfer fee)
    $59
    Compare
    Details
  • Citi Clear - Balance Transfer Offer

    Purchase rate of only 12.99%. 0% p.a. for 14 months – no balance transfer fee. Enjoy a $0 annual fee in the first year, reverting to $99 thereafter. Enjoy a bottle of wine with the Citi Dining Dining Program.

    Purchase rate
    Balance transfer rate
    Annual fee
    14.99% p.a.
    0% p.a. for 28 months and then 22.24% p.a. (3.00% balance transfer fee)
    $99
    Compare
    Details
  • Kogan Money Black Card

    Introductory Rate Offer

    Get 0% p.a. on purchases and balance transfers for 9 months with a 1% balance transfer fee. Reverts to cash advance rate. $0 annual fee to pay. Earn 2 rewards points per dollar on your eligible purchases at Kogan.com & 1 rewards point per dollar on your everyday purchases, almost anywhere (T&Cs apply). FREE Kogan First membership valued at $129/year. Add up to 4 additional cardholders at no cost.

    Purchase rate
    Balance transfer rate
    Annual fee
    0% p.a. for 9 months then 21.99% p.a.
    0% p.a. for 9 months and then 22.74% p.a. (1.00% balance transfer fee)
    $0
    Compare
    Details
  • 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
  • Australian Unity Low Rate Visa Credit Card

    Purchase rate
    Balance transfer rate
    Annual fee
    9.90% p.a.
    No current offer
    $59
    Compare
    Details
  • 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

Qantas Money Credit Card
Overall 1/10
DONT EVEN EVALUATE QANTAS CREDIT CARD.

Very Poor app and online experience. Direct debit is set only through a paper form which never gets received. The statement is designed very poor or should rather say "very smart " to not include the total amount DUE or clearly say the DUE DATE. Not at all easy to understand the balance. Pending transactions get cleared after a long long time. I have just closed this card in less than 2 months of using it because of their digital experience. The closure process as explained by the rep will take another month even when I have paid my account balance in full. I have used every card in Australia and this was by far the WORST card or service you can get. You cannot even claim the Annual fee back as they have issued you free points. I am happy to give back the points they have credited but they have been SOLD to me.

Read full review

Very Poor app and online experience. Direct debit is set only through a paper form which never gets received. The statement is designed very poor or should rather say "very smart " to not include the total amount DUE or clearly say the DUE DATE. Not at all easy to understand the balance. Pending transactions get cleared after a long long time. I have just closed this card in less than 2 months of using it because of their digital experience. The closure process as explained by the rep will take another month even when I have paid my account balance in full. I have used every card in Australia and this was by far the WORST card or service you can get. You cannot even claim the Annual fee back as they have issued you free points. I am happy to give back the points they have credited but they have been SOLD to me.

Price
1/10
Features
5/10
Customer service
4/10
Convenience
1/10
Trust
3/10
Less
Varun, Victoria, reviewed 3 days ago
Citi Clear Credit Card
Overall 1/10
Go elsewhere

High fees, always difficult to access my online A/C

Read full review

High fees, always difficult to access my online A/C

Price
1/10
Features
1/10
Customer service
6/10
Convenience
8/10
Trust
2/10
Less
Greg, Victoria, reviewed 3 days ago
Commonwealth Bank Low Fee Credit Card
Overall 7/10
Quality and consistency

Commonwealth is stable, secure and supportive. In some respects they are slightly more expensive, but it's because they are a superior product

Read full review

Commonwealth is stable, secure and supportive. In some respects they are slightly more expensive, but it's because they are a superior product

Price
7/10
Features
8/10
Customer service
7/10
Convenience
7/10
Trust
7/10
Less
Candy, Queensland, reviewed 3 days ago

More credit card reviews

Calculators

Switch and Save

See calculator

Debt repayments calculator

See calculator