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Bad Credit Cards
For people with bad credit there are still credit card offers available. Bad credit cards suitable to your financial situation may be able to help rebuild your credit rating if you make the monthly repayments on-time and maintain your account balance within the credit limits.However, one of the most prudent options for people with less than perfect credit history is to spend their own money by using a Visa Debit card. One such card is the ANZ Visa Debit Card, which will give you access to your own money through the Visa network. This way you can only spend what have, instead of spending beyond your ability to make the monthly repayments. |
| ANZ Low Rate MasterCard |
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- Low interest rate of 12.41% p.a. on purchases and 20.41% p.a. on cash advances
- $58 annual account fee
- Up to 55 days interest free credit on purchases
- Design your own Card
- Apply online now or read more
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% intro APR* |
Up to 55 Days* |
12.41% p.a.* |
$58* |
0% for first 6 months* |
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| Commonwealth Bank Low Rate Card |
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- Low interest rate of just 12.64% p.a. on purchases and cash advances
- $48 annual fee
- Up to 55 days' interest free on all purchases
- Even lower balance transfer rate of 5.99% p.a. for 5 months
- Free additional card for a family member or friend
- No rewards program, just an everyday low rate
- Apply online now or read more
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% intro APR* |
Up to 55 Days* |
12.64% p.a.* |
$48* |
5.99%p.a. for 5 months* |
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| St George Starts Low Stays Low Credit Card |
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- One low 12.99% p.a rate for purchases and cash advances*
- Up to 55 interest free days on purchases*
- $59 annual fee
- Up to 3 additional cards for your friends or family, with all transactions on one statement
- Linked access to your other St.George accounts for the ease of one card banking
- Instant discounts and added extras with St.George Instant Benefits
- Apply online now or read more
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% intro APR* |
Up to 55 Days* |
12.99% p.a.* |
$69* |
* |
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| BankWest Lite MasterCard |
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- 0%p.a. for nine months on balance transfers
- Australia's lowest ongoing rate MasterCard of 9.89%p.a. - Excludes cash advances - Up to 55 days interest free
- Up to 3 additional cardholders - free
- 24/7 account access via BankWest Online Banking
- Using your BankWest Lite MasterCard at over 21 million outlets worldwide.
- Apply online now or read more
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% intro APR* |
Up to 55 days* |
9.89% p.a.* |
$59* |
0%p.a. for 9 months* |
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| ANZ Everyday Visa Debit Card |
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- Unlimited ANZ transactions for $6 a month. This includes ANZ ATMs, EFTPOS, ANZ Phone and Internet Banking, and ANZ branch transactions.
- Full time students can also take advantage of a 50% discount on monthly account fees.
- Your choice of Debit Card design.
- Additional cardholders at no extra cost.
- Online Guarantee covers all your ANZ Everyday Visa Debit card online transactions.
- Access to Visa Entertainment
- Apply online now or read more
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| * |
* |
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