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Low Interest Credit Cards

One of the worst things about credit card debt is the high interest rates. Some credit card companies charge as much as 28% interest on your balance and it can be difficult to get out of debt quickly if you are in this situation. However, there are numerous companies that offer low interest credit cards and you should consider switching your balance to one of these if you are already in debt.

If you are a first time credit card customer, it is also a very smart idea to start with a low interest credit card. You can spend a lot less money over time paying for your purchases if you start out with one of these cards. They are generally considered to be the cream of the crop of credit cards and if you get an offer for one, you shouldn't pass it up. However, there are a few things that you will need to look out for when you get an offer for a low interest credit card.

Initially, the company may offer a very low rate or even 0% APR for an introductory period. This period will usually last from six to twelve months, depending on the company. After that point, the interest rate may change dramatically. Read the fine print on the offer to see how long your low interest rate will last and just how high it will go after that point. You should also be aware of any potential late fees or even balance transfer fees that can add up very quickly.

Other Types Of Low Rate Cards
Aussie MasterCard
Aussie MasterCard
  • 4.99% p.a on balance transfers for the 1st 12 months.
  • 9.99% p.a. on purchases for the 1st 12 months.
  • Reverts to a great low rate on purchases, now just 11.49% p.a.
  • Low annual account fee of $49.
  • Apply now for the low rate Aussie MasterCard.
  • Put yourself in a better place.
  • Terms and conditions apply.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
9.99% on purchases for 12 months* Up to 55 Days* 11.49% p.a.* $49* 4.99% p.a. for the 1st 12 months*


Citibank Clear Card
Citibank Clear Card
  • 0% for 6 months on Balance Transfers
  • 12.49%p.a. ongoing on purchases*
  • Access your account anywhere, anytime via Internet and phone banking
  • Up to 55 days interest free on retail purchases
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 12.49%p.a.* $65* 2.9 for 6 months*


NAB Low Rate Visa Card
NAB Low Rate Visa Card
  • A low 10.99% p.a. on purchases1
  • 0% p.a. on balance transfers for up to 6 months (for a limited time only)2
  • Up to 55 days interest free on purchases3
  • A choice of two colours: silver or pink
  • An additional cardholder at no extra cost4
  • Worldwide acceptance at over 22 million locations
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% Intro APR* Up to 55 Days* 10.99% p.a.* $49* 0% p.a. for up to 6 months*


St George Vertigo MasterCard
St George Vertigo MasterCard
  • A low rate on purchases of 10.99% p.a
  • 0% p.a. balance transfer rate for up to 6 months
  • Awarded Australia's Cheapest Balance Transfer Credit Card by Money Magazine 2009
  • Up to 55 interest free days on purchases
  • Low $55 annual fee
  • An additional card for a friend or family member, 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 10.99% p.a.* $55* 0% p.a for up to 6 months*


ANZ Low Rate MasterCard
ANZ Low Rate MasterCard
  • Low interest rate of 4.9% p.a. on purchases*
  • Up to 55 days interest free credit on purchases^
  • $58 annual fee
  • ANZ Falcon - provides advanced around the clock monitoring for suspicious transactions. So you can feel secure about purchases online, overseas or over the phone
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
4.9% for 12 months* Up to 55 Days* 11.74% p.a* $58* *


Commonwealth Bank Low Rate Card
Commonwealth Bank Low Rate Card
  • Low interest rate of just 11.74% p.a. on purchases and 19.99% on 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
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 11.74% p.a.* $48* 5.99%p.a. for 5 months*


ANZ Balance Visa Card
ANZ Balance Visa Card
  • 12.74% p.a. interest rate on purchases
  • 1 Reward Point for every $1 you repay to your balance3
  • Choose how you would like to be rewarded - Cashback, Shopping Vouchers or Gift Cards
  • Choose how often you would like to be rewarded - every 3, 6 or 12 months
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 12.74% p.a.* $79* 0% p.a. for first 6 months*


St George Platinum Card
St George Platinum Card
  • Low Platinum 14.25% p.a. purchase rate
  • Low $89 Platinum annual fee
  • 3.99% p.a balance transfer rate for up to 6 months
  • Up to 55 interest free days on purchases
  • A full range of complimentary insurances including:
  • Domestic flight inconvenience insurance
  • Overseas travel insurance
  • Transit accident
  • Purchase cover
  • Extended warranty
  • Best price guarantee
  • Personal Concierge Service available 24/7
  • 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
  • Exclusive Platinum card programs offered by Visa and MasterCard
  • Instant discounts and added extras with St.George Instant Benefits
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 14.25% p.a.* $89* 3.99% p.a for up to 6 months*


HSBC Low Rate Credit Card
HSBC Low Rate Credit Card
  • 2.99% p.a. for the first 6 months* on balance transfers
  • $0 annual fee in the first year
  • Up to 55 days interest-free on purchases
  • Access to HSBC's home&Away Privilege Program with Instant Rewards in over 40 countries
  • Cash withdrawals at over 800,000 ATMs worldwide
  • Repayments at any HSBC branch, by mail, BPAY telephone, direct debit, online or at Australia Post
  • Credit Cards Online for quick, easy and secure access to your account 24 hours a day
  • Worldwide acceptance at over 24 million Visa merchants
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% Intro APR* Up to 55 days* 15.99% p.a.* $0 annual fee in the first year* 2.99% p.a. for the first 6 month*


BankWest Lite MasterCard
BankWest Lite MasterCard
  • A low $59 annual fee.
  • Up to 55 days interest free on purchases.
  • Up to 3 additional cardholders - free!
  • 24/7 account access via Bankwest Online Banking.
  • Use your Bankwest Lite MasterCard at over 27 million outlets worldwide.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 days* 9.99% p.a.* $59* 4.99%p.a. for 15 months*


Bank SA Starts Low Stays Low Credit Card
Bank SA Starts Low Stays Low Credit Card
  • 12.24% p.a. on purchases and cash advances*
  • Choose one of four card colours
  • Up to 55 days interest free on your purchases*
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% Intro APR* 55 days* 12.24% p.a.* $69* *





  • American Express Credit Cards
  • ANZ Credit Cards
  • Aussie Credit Cards
  • Bankwest Credit Cards
  • Citibank Credit Cards
  • HSBC Credit Cards
  • NAB Credit Cards
  • St George Credit Cards
  • Wizard Credit Cards