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.

14 reviews
0% p.a. on balances transferred for 22 months, with a 2% balance transfer fee.
Annual fee refunded – a potential saving of $129 a year (conditions apply)
Earn 2 pts per $1 spent on overseas purchases.
Comes with Apple Pay.
cash advance rate
cash advance fee
purchase rate
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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 May 2018.
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21.49% p.a.
2%
19.99% p.a.
ongoing
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
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
Enjoy $100 back when you spend $500 on eligible purchases in the first 60 days of approval.
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
Enjoy $250 back when you spend $500 on eligible purchases in the first 60 days of approval.
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
65,000 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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