Cash Advance Credit Cards

Need to withdraw cash from your credit card? Compare credit cards with the lowest cash advance rates and cash advance fees.

75,000 points when you spend $2,500 in 3 months.
$0 p.a. annual fee for the first year.
75 Bonus Status Credits when you buy and fly return with Qantas by 31st Jan 2018.
Get complimentary Overseas Travel and Medical Insurance (eligibility criteria apply) provided by QBE Insurance.
Eligibility criteria, T&Cs, fees and charges apply.
cash advance rate
cash advance fee
purchase rate
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No international transaction fees on purchases.
No currency conversion fees.
$0 p.a. annual fee.
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21.99% p.a.
3%
21.99% p.a.
ongoing
$0 p.a. annual fee for the first year, then $30 p.a.
An easy to manage credit limit from $500 will mean you can’t build up a lot of debt.
Manage your account on the go 24/7 with ANZ’s goMoney app.
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21.49% p.a.
2%
19.74% p.a.
ongoing
0% p.a. for the first 16 months on balance transfers with a 2% balance transfer fee on amounts transferred. Reverts to 21.49% p.a.
Low annual fee.
Up to 44 days interest free on purchases when you pay your account in full each month.
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21.49% p.a.
2%
19.74% p.a.
ongoing
ANZ Frequent Flyer Black Credit Card
APPLY BY 30 sep 17
15 reviews
75,000 points when you spend $2,500 in 3 months.
$0 p.a. annual fee for the first year.
75 Bonus Status Credits when you buy and fly return with Qantas by 31st Jan 2018.
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21.49% p.a.
2%
19.99% p.a.
ongoing
25,000 points when you spend $2,500 in 3 months.
$0 p.a. annual fee for the first year.
Complimentary Qantas Frequent Flyer membership.
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21.49% p.a.
2%
19.99% p.a.
ongoing
0% p.a. for the first 16 months on balance transfers with a 2% balance transfer fee. Reverts to 21.74% p.a.
Low 12.49% p.a. ongoing rate on purchases.
Low annual fee of $58 p.a.
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21.74% p.a.
2%
12.49% p.a.
ongoing
0% p.a. for the first 16 months on balance transfers with a 2% balance transfer fee. Reverts to 21.74% p.a.
Up to 55 days on purchases.
$99 p.a. annual fee.
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21.74% p.a.
2%
11.49% p.a.
ongoing
0% p.a. for the first 16 months on balance transfers with a 2% balance transfer fee on amounts transferred. Reverts to 21.49% p.a.
Up to 55 days interest free on purchases when you pay your account in full each month.
$0 annual fee for the first year (save $87).
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21.49% p.a.
2%
19.74% p.a.
ongoing
75,000 points when you spend $2,500 on eligible purchases within the first 3 months.
$0 annual fee for the first year.
Eligibility criteria, T&Cs fees and charges apply.
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20.99% p.a.
2%
18.79% p.a.
ongoing
25,000 points when you spend $2,500 on eligible purchases within the first 3 months.
$0 annual fee for the first year.
Earn ANZ Rewards Points on everyday purchases.
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20.99% p.a.
2%
18.79% p.a.
ongoing
50,000 points when you spend $2,500 on eligible purchases within the first 3 months.
$0 annual fee for the first year.
Earn ANZ Rewards Points on everyday purchases.
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20.99% p.a.
2%
18.79% p.a.
ongoing
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Q&As about Cash Advance Credit Cards from Customers

Q: What is a cash advance?

It is possible to withdraw cash from your credit card. This is known as a cash advance. It is when you use your credit card to take cash out using an ATM or over the counter in a branch. This differs from a normal credit card purchase when you use you card to pay for goods and services in store or online.

Q: What is a cash advance rate?

The cash advance rate is the interest rate that is applied to the amount that you withdraw. Usually it is around 20% p.a. which is not cheap. And unlike making a normal purchase, the cash advance interest rate is applied to the amount straightaway – which means there’s no 55 days interest free days.

Q: What is a cash advance fee?

The cash advance fee is a one-off fee that a bank charges when you take cash out from your credit card using an ATM or over the counter in a branch. Usually it is about 2% of the amount you withdraw. A withdrawal of $100 from an ATM would attract a $2 cash advance fee.

Q: What are other fees are there?

You might get charged an ATM withdrawal fee when withdrawing cash domestically. If you’re overseas then it becomes a much more expensive way to get your hands on cash because there’s overseas ATM fees and currency conversion fees.

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