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Low interest credit card comparisons on Mozo

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Last updated 13 May 2025Important 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. 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 22.49% p.a.
    0% p.a. for 15 months and then 22.99% p.a. (2.00% balance transfer fee)
    $199
    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
  • NAB Low Rate Card - Cash Back Offer

    Spend with confidence with a low 12.99% standard purchase rate. 0% p.a. interest on balance transfers for the first 32 months. There's also up to 55 interest free days on purchases to help you manage your budget better.

    Purchase rate
    Balance transfer rate
    Annual fee
    13.49% p.a.
    0% p.a. for 12 months and then 21.74% p.a. (3.00% balance transfer fee)
    $59
    Compare
    Details
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Credit card providers we compare at Mozo

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Credit Card Resources

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

Credit Card Reviews

ANZ Credit Card
Overall 6/10
The online is good website can be complicated

This is ok. I have had a fe problems where they havent protected my bank account from scams. But the customer service is usally very good

Read full review

This is ok. I have had a fe problems where they havent protected my bank account from scams. But the customer service is usally very good

Price
8/10
Features
6/10
Customer service
8/10
Convenience
5/10
Trust
8/10
Less
Eliza, South Australia, reviewed about 1 month ago
ANZ First
Overall 2/10
Not happy jan

I haven’t had any credit cards or loans im 40 years old and they declined me for not having any credit history so 3/10 rubber chickens

Read full review

I haven’t had any credit cards or loans im 40 years old and they declined me for not having any credit history so 3/10 rubber chickens

Price
5/10
Features
4/10
Customer service
6/10
Convenience
3/10
Trust
4/10
Less
James, Victoria, reviewed about 1 month ago
Bendigo Bank Qantas Platinum Credit Card
Overall 7/10
Not convenient for joint accounts

When you have a joint account almost everything needs to be done in branch. But our local branch is only open 10-2 and they don’t accept appointments for weeks in advance. We moved everything except our credit card (for now) because of lack of convenience when trying to make any changes to our accounts.

Read full review

When you have a joint account almost everything needs to be done in branch. But our local branch is only open 10-2 and they don’t accept appointments for weeks in advance. We moved everything except our credit card (for now) because of lack of convenience when trying to make any changes to our accounts.

Price
10/10
Features
8/10
Customer service
3/10
Convenience
2/10
Trust
7/10
Less
Kristy, Victoria, reviewed about 2 months ago

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