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 13 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
- Get a low 12.99% p.a. variable rate on purchases.
- A $48 annual fee helps keep ongoing costs low.
- Avoid ING international transaction fees by depositing at least $1,000 a month into your ING accounts (excluding Living Super and Orange One) and making 5+ settled card purchases.
Pros & cons
Pros
- Competitively low interest rate of 12.99% p.a. on purchases and cash advances.
- Variable 9.99% p.a. on instalments.
- Add a cardholder for $10 p.a.
- Compatible with Apple Pay and Google Pay.
Cons
- Additional cardholder comes at a cost.
- Maximum credit limit of $5,999.
Not available for application via this website
Cash Advance Rate
8.99% p.a.
Cash Advance Fee
$3.00
Minimum Credit Limit
$500.00
Annual fee
$50.00 p.a. ongoing
Details
- Benefit from a competitive interest rate of 8.99% p.a. for both purchases and cash advances.
- For the initial 12 months, enjoy a 0% rate on Balance Transfers with a corresponding 0% balance transfer fee. Afterwards, it reverts to the cash advance rate of 8.99% p.a.
- An annual fee of $50 is applicable.
Pros & cons
Pros
- Low-interest rates.
- Up to 55 interest-free days.
- Limits are available from $500 to $15,000.
Cons
- No rewards program.
Not available for application via this website
Cash Advance Rate
11.8% p.a.
Cash Advance Fee
$2.50
Minimum Credit Limit
$1,000.00
Annual fee
$0.00 p.a. ongoing
Details
- $0 p.a. annual fee.
- Enjoy low interest of 11.80% p.a. on purchases.
- Benefit from comparatively low cash advance rates at 11.80%, lower than the standard rate of many other cards.
Pros & cons
Pros
- No annual fee.
- Low-interest rate.
- 0% p.a. for 12 months on balance transfers with no balance transfer fee on amounts transferred (reverts to 11.80% p.a. thereafter).
Cons
- No interest-free days.
- Not entitled to participate in Heritage Rewards program.
Not available for application via this website
Cash Advance Rate
12.54% p.a.
Cash Advance Fee
$2.50
Minimum Credit Limit
$2,000.00
Annual fee
$0.00 p.a. ongoing
Details
- $0 annual fee per annum.
- Get up to 55 days interest-free on purchases.
- Access exclusive offers on food, travel, entertainment, and more.
Pros & cons
Pros
- The competitive purchase rate and cash advance rate of 12.54% p.a.
- $0 p.a. annual fee.
- Enjoy up to 55 interest-free days on purchases.
Cons
- There is no rewards program on this card.
Not available for application via this website
Cash Advance Rate
13.45% p.a.
Cash Advance Fee
$1.50
Minimum Credit Limit
$2,000.00
Annual fee
$0.00 p.a. ongoing
Details
- Provides a low ongoing interest rate of 13.45% per annum on balance transfers, cash advances, and purchases.
- No annual fee is charged.
- Enjoy up to 55 days interest-free on purchases.
Pros & cons
Pros
- Low ongoing interest rates.
- No annual fee.
- Compatible with Apple Pay, Google Pay, and Samsung Pay.
- No EFTPOS transaction fees.
Cons
- No rewards program.
- No complimentary insurance coverage.
- No balance transfer offer.
Not available for application via this website
MONEYME Freestyle Virtual Card
Make sure you meet the following criteria before applying.
Application requirements:
- Aged between 18 - 65
- Wages of $3,000
- Must be a Permanent Australian Resident or Australian Citizen
- Must have a VEDA above 600
- No serious marks against credit file
- Has had a previous application declined in the last 365 days
- Not on Government or Centrelink benefits
Disclaimer: You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more information.
Cash Advance Rate
18.74% p.a.
Cash Advance Fee
1.5%
Minimum Credit Limit
$1,000.00
Annual fee
From $0.00 p.a. ongoing
Details
- Use virtual card instantly once approved (typically within 60 mins).
- Tap n Pay with up to 55 days interest-free.
- Use credit to transfer money to anyone.
- Exclusive features.
- Thousands of 5-star customer reviews.
Bank promo
- Get MONEYME's lowest advertised rate EVER of 18.74% p.a.
- Annual fee of $0 to $149 p.a. based on credit limit plus a monthly fee of $5 for balances over $20.
Pros & cons
Pros
- Available to use immediately after approval.
- Money can be transferred to your bank account.
- Get cashback at participating stores with Cashrewards.
Cons
- The maximum credit limit is comparatively low.
- Combination of annual and monthly fees can be quite expensive for the highest credit limit.
- There is a 1.5% withdrawal fee.
Not available for application via this website
Cash Advance Rate
N/A
Cash Advance Fee
N/A
Minimum Credit Limit
$1,000.00
Annual fee
$0.00 p.a. ongoing
Details
- A 10.99% p.a. interest rate on purchases helps keep borrowing costs lower than other cards.
- Keep the card for as long as you like with a $0 annual fee.
- Add up to 4 extra cards for family or friends at no cost.
Pros & cons
Pros
- Get a Refund and Purchase Cover when you use your American Express Low Rate Credit Card for eligible purchases, adding an extra layer of protection.
- Split eligible purchases over $100 or part of your balance into equal monthly instalments. Choose from 3, 6, or 12-month terms with no interest—just a fixed monthly fee.
- Get up to 55 days interest-free on purchases, giving you more time to pay without extra costs.
- It supports Apple Pay, Google Pay, and Samsung Pay.
Cons
- This card does not come with a rewards program, which is expected for a low-rate option focused on keeping costs down.
- A 3% foreign currency conversion fee applies to overseas or online purchases.
Not available for application via this website
Cash Advance Rate
12.99% p.a.
Cash Advance Fee
$3.50
Minimum Credit Limit
$1,000.00
Annual fee
$59.00 p.a. ongoing
Details
- Enjoy the advantage of a competitive 12.99% p.a. interest rate for both purchases and cash advances.
- Plus, benefit from an annual fee of only $59.00.
- Your credit journey starts with a minimum credit limit of $1,000, ensuring accessibility and flexibility.
Pros & cons
Pros
- Low 12.99% p.a. interest rate on purchases.
- Cash advances are also charged at the competitively low rate of 12.99% p.a.
- Annual fee of $59 p.a.
- Minimum credit limit of $1,000.
Cons
- No interest-free days at all.
Not available for application via this website
Cash Advance Rate
19.74% p.a.
Cash Advance Fee
$3.50
Minimum Credit Limit
$1,000.00
Annual fee
$0.00 p.a. ongoing
Details
- Lifetime exemption from annual fees.
- Maintain a fixed interest rate of 19.74% p.a. for purchases and cash advances.
- Benefit from up to 55 days interest-free.
Pros & cons
Pros
- No annual fee.
- A competitive 19.74% p.a interest rate on purchases.
- Low 19.74% p.a. rate also applies to cash advances.
- Up to 55 days interest free.
- Works with Apple Pay, Google Pay, and other digital wallets.
Cons
- No balance transfer offer available.
- Doesn't earn rewards or have a welcome bonus.
Not available for application via this website
Cash Advance Rate
11.99% p.a.
Cash Advance Fee
$2.50
Minimum Credit Limit
$500.00
Annual fee
$49.00 p.a. ongoing
Details
- Low-interest rate of 11.99% p.a. on purchases, cash advances, and balance transfers.
- Enjoy up to 55 days interest-free on purchases.
- Add up to 3 additional cards at no extra cost.
Pros & cons
Pros
- Low annual fee.
- Competitive low interest rate.
- Enjoy up to 55 days interest-free on purchases.
- Get up to 3 additional cards at no extra cost.
Cons
- There is a foreign currency conversion fee of 3%.
- Doesn't have an interest-free balance transfer offer.
Not available for application via this website
Cash Advance Rate
12.59% p.a.
Cash Advance Fee
N/A
Minimum Credit Limit
$1,000.00
Annual fee
$0.00 p.a. ongoing
Details
- Pay no annual fee for as long as you maintain the card.
- Benefit from a 4.99% p.a. rate on purchases and balance transfers for 5 months (12.59% p.a. thereafter).
- No additional card fees apply.
Pros & cons
Pros
- The introductory rate of 4.99% p.a. for 5 months on purchases, cash advances and balance transfers.
- Low standard interest rates.
- $0 fee for an additional cardholder.
Cons
- No interest-free days on purchases.
- Longer balance transfer period offers are available.
- Doesn't earn rewards or have any travel benefits.
Not available for application via this website
Cash Advance Rate
14.49% p.a.
Cash Advance Fee
$1.50
Minimum Credit Limit
$1,000.00
Annual fee
$0.00 for 1st year
Details
- The first-year annual fee is waived, saving you $100 upfront.
- Low 12.99% p.a. on purchases and 14.49% p.a. on cash advances make it great for managing costs.
- Add unlimited additional cardholders at no extra cost.
Pros & cons
Pros
- The card offers low ongoing interest rates, making it a cost-effective option for carrying a balance.
- Provides Unauthorized Transaction Insurance up to $37,500 per cardholder and $200,000 per account annually.
- Offers 24/7 anti-fraud protection, keeping your transactions secure around the clock.
- The starting credit limit is $1,000, helping you keep your spending in check
- Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay
Cons
- This card doesn’t offer an interest-free period, which could add costs if you don’t pay off your balance quickly.
- There’s no rewards program or sign-up bonus, but it might suit those who prefer simplicity over perks.
- An annual fee of $100 applies after the first year, which remains affordable.
Not available for application via this website
Cash Advance Rate
13.25% p.a.
Cash Advance Fee
$3.00
Minimum Credit Limit
$5,000.00
Annual fee
$0.00 for 1st year
Details
- Get 12 months at 0% p.a. on purchases, then the rate reverts to 13.25% p.a.
- The ongoing 13.25% p.a. rate on purchases and cash advances is relatively low.
- You can easily add and manage multiple employee credit cards under one facility for streamlined tracking and control.
Pros & cons
Pros
- The first year has no annual fee, saving you $60 upfront.
- NAB Defence protects your account from credit card fraud.
- Includes Unauthorized Transaction Insurance for added protection.
- Unlock exclusive offers on shows, events, and movies with your Visa Credit Card.
- Works with Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay.
Cons
- This card doesn’t offer travel insurance, but it can still be a good option for those who don’t need it.
- You will not earn rewards points, but it could be a practical choice for those who prefer a straightforward, low-cost card.
