Low Cash Advance Rate Credit Cards
When using cash advances on your credit card is unavoidable, compare these cards for a competitive cash advance interest rate and low associated fees.
Comparing of 8 low cash advance rate credit cards
On ING's website
Cash Advance Rate
12.99% p.a.
Cash Advance Fee
$3.00
Minimum Credit Limit
$1,000.00
Annual fee
$48.00 p.a. ongoing
Details
- Benefit from a low variable interest rate of 12.99% p.a. on purchases to keep costs in check.
- Pay a modest annual fee of $48 to maintain affordability over time.
- Skip international transaction fees from ING if you deposit at least $1,000 each month into your ING accounts, not including Living Super or Orange One, and make 5 or more settled card purchases.
Pros & cons
Pros
- Purchases and cash advances attract a competitive low interest rate of 12.99% p.a.
- Instalment plans come with a variable rate of 9.99% p.a.
- Add an extra cardholder for just $10 p.a.
Cons
- Adding a cardholder involves a small cost p.a.
- The maximum credit limit sits at $5,999.
On Bankwest's website
Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$4.00
Minimum Credit Limit
$1,000.00
Annual fee
$49.00 p.a. ongoing
Details
- Move your balance with 0% interest p.a. for 24 months, plus a 3% transfer fee. After that, it reverts to 12.99% p.a.
- Pay a low annual fee of $49 p.a.
- Add up to 3 extra cardholders at no cost.
Pros & cons
Pros
- Pay 0% interest p.a. on balance transfers for 24 months.
- Purchases attract a low ongoing interest rate of 12.99% p.a.
- Enjoy up to 55 days interest-free on purchases.
- Begin with a credit limit from just $1,000.
- Lock your card quickly through the Bankwest App when needed.
- Spread up to 5 purchases over 4 monthly payments at 0% interest with Easy Instalment Plans.
Cons
- No rewards program with this card.
- Balance transfers come with a 3% fee.
- Foreign transactions include a 2.95% fee.
On Bankwest's website
Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$4.00
Minimum Credit Limit
$6,000.00
Annual fee
$0.00 p.a. ongoing
Details
- Enjoy 0% interest p.a. for 6 months on purchases and balance transfers, with a 3% balance transfer fee. It then changes to 18.99% p.a.
- Pay no foreign transaction fees, even for online shopping from overseas stores.
- Keep costs down with no annual fee for life.
- Spread payments with Easy Instalments, putting up to 5 eligible purchases on an interest-free plan.
- Start with a credit limit from at least $6,000.
Pros & cons
Pros
- No annual fee suits this card for everyday or spare use.
- 6 months interest-free on purchases and balance transfers helps manage spending.
- No foreign transaction fees on currency or overseas buys.
- Make interest-free repayments on up to 5 eligible purchases through Easy Instalments.
- Begin with a minimum credit limit of $6,000.
- Get up to 55 days interest-free by paying your full statement balance.
- Balance transfers switch to the purchase rate, not the higher cash advance rate.
- Transfer up to 95% of your credit limit.
Cons
- A 3% fee applies to balance transfers, which you can add to your balance.
- This card does not earn rewards points, common for no-fee options.
- Balance transfers need at least $500, though most users move more.
On ING's website
Cash Advance Rate
16.99% p.a.
Cash Advance Fee
$3.00
Minimum Credit Limit
$6,000.00
Annual fee
$149.00 p.a. ongoing
Details
- Earn up to $30 cashback each month on your spending, which adds up to $360 over the year!
- Pay a variable interest rate of 16.99% p.a on purchases to keep costs manageable.
- Lock in lower rates on instalments for bigger buys.
- You get free travel insurance as well. Terms, conditions, limits and exclusions apply.
Pros & cons
Pros
- Collect up to $30 cashback monthly, reaching $360 yearly.
- Purchases and cash advances attract a reasonable interest rate of 16.99% p.a.
- Use the instalment plan to fix a lower rate at 9.99% p.a.
Cons
- You get 45 days interest-free, less than the 55 days many other cards offer.
- This card requires an Orange Everyday account, or you must open one.
- Meeting conditions for ATM fee rebates and no foreign transaction fees takes some effort.
On Bankwest's website
Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$4.00
Minimum Credit Limit
$6,000.00
Annual fee
$59.00 p.a. ongoing
Details
- Move your balance with 0% interest p.a. for 24 months, plus a 3% transfer fee. After that, it shifts to 12.99% p.a.
- Shop online or overseas without foreign transaction fees.
- You and your family get free overseas travel insurance as a handy extra.
Pros & cons
Pros
- Enjoy 0% interest p.a. on balance transfers for 24 months.
- Keep ongoing purchase interest low at 12.99% p.a.
- Pay a modest annual fee of $59 p.a.
- Add up to 3 extra cardholders for free.
- Get up to 55 days interest-free on purchases.
- Start with a credit limit as low as $6,000.
- Lock your card quickly if needed through the Bankwest App.
- Spread up to five purchases over four monthly payments at 0% interest with Easy Instalment Plans.
Cons
- This card has no rewards program.
- Balance transfers come with a 3% fee.
- Cash advances attract 21.99% interest p.a.
On Latitude Financial Services' website
Cash Advance Rate
29.99% p.a.
Cash Advance Fee
$4.00
Minimum Credit Limit
$1,000.00
Annual fee
$0.00 for 1st year
Details
- New customers can take advantage of this limited-time deal. Apply and get approved by 12 January 2026, then make an eligible purchase within 90 days to skip the annual card fee in your first year and save $69. Terms and conditions apply.
- Earn 3% back in Latitude Rewards on regular bill payments to selected utilities, telco providers and streaming services.
- Add one extra cardholder at no cost.
- This offer cannot combine with any others.
Pros & cons
Pros
- Pay no annual card fee in your first year if you make a purchase within 90 days, then just $69 each year after that.
- Enjoy a low ongoing purchase interest rate of 13.99% p.a., which beats many standard cards.
- Transfer balances at 6.99% interest p.a. for 12 months, with a 3% fee. If any balance remains after this period, it attracts interest at the cash advance rate of 29.99% p.a., which may change. Any leftover balance at the end of an interest-free period switches to the purchase rate of 13.99% p.a., also subject to change.
- Start spending straight away with Apple Pay, even before your physical card shows up.
- Pick up Latitude Rewards when you shop through the merchant offers portal.
- Keep track of your card easily with the Latitude App.
Cons
- Cash advances attract a high interest rate of 29.99% p.a., common for this type of use.
- Overseas transactions come with a 3% foreign exchange fee.
- Late payments cost $45.
On Latitude Financial Services' website
Cash Advance Rate
29.99% p.a.
Cash Advance Fee
$4.00
Minimum Credit Limit
$1,000.00
Annual fee
$69.00 p.a. ongoing
Details
- Limited-time deal for new customers. Apply by 12 January 2026 to enjoy 0% interest on everyday purchases for the first nine months. After that, it shifts to a low ongoing rate of 13.99% p.a.
- Earn 3% back in Latitude Rewards on regular payments to selected utilities, telco providers and streaming services.
- Add 1 extra cardholder for free.
- This offer stands alone and cannot combine with others.
Pros & cons
Pros
- Earn Latitude Rewards by shopping through the merchant offers portal.
- Benefit from a low ongoing purchase rate of 13.99% p.a., better than many standard cards.
- Transfer balances at 6.99% interest p.a. for 12 months, with a 3% fee. Any leftover balance after that attracts the cash advance rate of 29.99% p.a., which may change.
- Stay on top of your spending with the easy-to-use Latitude App.
Cons
- Cash advances hit you with a high 29.99% interest rate p.a.
- Overseas transactions come with a 3% foreign exchange fee.
- Miss a payment and face a $45 late fee.
On Kogan Money's website
Cash Advance Rate
22.74% p.a.
Cash Advance Fee
$5.00
Minimum Credit Limit
$6,000.00
Annual fee
$0.00 p.a. ongoing
Details
- Get started with a sign-up bonus when you spend $3,000 on eligible purchases in the first 90 days after approval, and you receive $400 credit to use at Kogan.com.
- Enjoy no annual fee for life. This keeps costs low and simple, so you can focus on the benefits.
- Unlock extra perks with your free Kogan FIRST membership. This includes free shipping on thousands of items at Kogan.com and Dick Smith, faster shipping options, and special deals just for members. You also get $100 off your first Kogan Energy bill.
Pros & cons
Pros
- Move your balance with 0% interest p.a for 10 months, plus a 1% fee. After that, it reverts to 22.74% p.a.
- Pick up 2 reward points for every $1 spent on eligible buys at Kogan.com, and 1 point per $1 on other eligible spending.
- No limit on how many rewards you can earn.
- Turn your points into value at Kogan.com, where 1,000 points give you $10 credit.
- Add up to 4 extra cardholders for free.
- Feel secure with FRAUDSHIELD® and Visa Zero Liability to protect your buys.
Cons
- Foreign transaction fees apply: $5 or 3.5% on domestic, and $5 on international.
- Cash advances come with an ongoing rate of 22.74% p.a.
