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 9 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.
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
- Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
- An annual fee of $49 p.a., making it an affordable option.
- Add up to 3 additional cardholders at no extra cost.
Pros & cons
Pros
- 0% p.a. on balance transfers for 24 months.
- Low ongoing interest rate of 12.99% p.a. on purchases.
- Up to 55 interest-free days on purchases.
- As low as a $1,000 credit limit.
- Temporarily lock your card anytime using the Bankwest App.
- Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
- Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
- No rewards program on this card.
- The 3% BT fee.
- There is a 2.95% foreign transaction 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
- 0% p.a. for 6 months on purchases and balance transfers, with a 3% balance transfer fee. (Reverts to 18.99% p.a. thereafter.)
- No foreign transaction fees, including when you're shopping at an overseas online store.
- No annual fee to pay for the life of the card.
- Put up to five eligible purchases on an interest-free payment plan with Easy Instalments.
- Credit limits start from a minimum of $6,000.
Pros & cons
Pros
- No annual fee makes this an option for occasional or backup use.
- Interest-free purchases and balance transfers for 6 months.
- No foreign transaction fees for foreign currency or overseas purchases.
- Interest-free repayments for up to five eligible purchases with Easy Instalments.
- Credit limits start from a minimum of $6,000.
- Up to 55 days interest-free when you pay the statement balance in full.
- Balance transfers revert to the purchase rate instead of the higher cash advance rate.
- Use up to 95% of your credit limit for balance transfers.
Cons
- There is a 3% fee on balance transfers, which can be added to the balance if desired.
- You can't earn rewards points, but that's not unusual for a no annual fee card like this.
- There is a $500 minimum balance transfer amount, although most people transfer 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
- Receive up to $30 cashback on your monthly spend (up to $360 annually).
- Enjoy a 16.99% p.a. variable rate on purchases.
- Secure low interest rates with instalments.
- Includes complimentary travel insurance. Terms, conditions, limits, and exclusions apply.
Pros & cons
Pros
- Get up to $30 cashback per month, up to $360 each year.
- Relatively low interest rate of 16.99% p.a. on cash advances and purchases.
- An instalment plan that helps lock up lower interest rate (9.99% p.a.).
Cons
- Interest-free 45 days is lower than most cards offering up to 55 days.
- You need an Orange Everyday account or open one to get this credit card.
- A lot of requirements to become eligible for ATM fee rebates and foreign transaction fee waivers.
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
- Get 0% p.a. interest on balance transfers for 24 months, with a 3% balance transfer fee (then 12.99% p.a. thereafter).
- No foreign transaction fees.
- Plus, complimentary overseas travel insurance for you and your family.
Pros & cons
Pros
- 0% p.a. on balance transfers for 24 months.
- Low ongoing interest rate of 12.99% p.a. on purchases.
- Low annual fee of $59 p.a.
- Add up to 3 additional cardholders at no extra cost.
- Up to 55 interest-free days on purchases.
- As low as a $6,000 credit limit.
- Temporarily lock your card anytime using the Bankwest App.
- Easy Instalment Plans let you spread up to 5 purchases over four monthly payments at 0% p.a.
- Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
- No rewards program on this card.
- There is a 3% BT fee.
- Cash advance rate is 21.99% 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
- Limited-time offer for new customers: Earn up to $340 in Latitude Rewards when you apply and get approved by 17 November 2025. Get a bonus $100 in Latitude Rewards when you spend $1,000 each month for the first 3 months, plus unlock up to $240 in rewards every year on eligible local and overseas purchases. T&Cs apply.
- Pay no annual fee in the first year*. Keep saving with ongoing annual fee waivers when you spend at least $12,000 each year.
- There are no foreign transaction fees for purchases during travel or online shopping.
- Get FREE access to airport lounges, food, drinks, and Wi-Fi if your flight is delayed for 2+ hours.
*T&C's, annual credit card fee (normally $96), and other charges apply. New customers only, must be approved by 17 November 2025. Minimum spend applies.
Pros & cons
Pros
- Earn up to $340 in Latitude Rewards. New customers only.
- Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
- Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).
- The $96 annual card fee will be waived for your first year for new and approved customers. To have your annual card fee waived in your second year, you must spend at least $12,000 on eligible purchases in your first year.
- Save up to 10% on hotels on your next holiday when booking with Expedia, or Wotif.
- The Flexiroam feature includes 3GB of free data every calendar year, plus a 15% discount on extra data purchases.
- Comes with Purchase Protection and E-commerce insurance.
- Add an additional cardholder at no extra cost.
- It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay
Cons
- A high purchase interest rate of 27.99% p.a.
- The cash advance rate is high at 29.99% p.a., so it's best to avoid withdrawing cash with this card.
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
- Limited time offer: Pay no annual card fee in the first year and save $69 when you apply and get approved by 12 January 2026 and make an eligible purchase within 90 days. T & C's apply.
- Get 3% back in Latitude Rewards on recurring bill payments with participating utility, telco, and streaming services.
- Add an additional cardholder at no extra cost.
- Excludes any other offers.
Pros & cons
Pros
- $0 annual card fee in the first year, when you make a purchase in the first 90 days, followed by a low ongoing fee of $69 per year
- The ongoing purchase interest rate is 13.99% p.a., lower than many standard credit cards.
- Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change). Any remaining balance at the end of the interest-free period will attract interest at the purchase rate (currently 13.99% p.a., subject to change).
- Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
- Get Latitude Rewards when you shop in the merchant offers portal.
- Track and manage your card using the Latitude App.
- It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
- The standard cash advance rate is 29.99% p.a., which is on the higher side and typical for this type of transaction.
- A 3% foreign exchange fee applies to overseas transactions.
- The late payment fee is $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 offer: Get 0% interest on general purchases for the first 9 months when you apply as a new customer by 12 January 2026. After that, a low ongoing rate of 13.99% applies
- Earn 3% in Latitude Rewards on recurring payments with participating utilities, telco, and streaming services.
- Add an additional cardholder at no extra cost.
- Excludes any other offers.
Pros & cons
Pros
- Earn Latitude Rewards when you shop in the merchant offers portal.
- The ongoing purchase interest rate is 13.99% p.a., lower than many standard credit cards.
- Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).
- Track and manage your card using the Latitude App.
- Start using your card instantly with Apple Pay - no need to wait for the physical card to arrive.
Cons
- Cash advances attract a high interest rate of 29.99% p.a.
- A 3% foreign exchange fee applies to overseas transactions.
- The late payment fee is $45.
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
- Receive $400 Kogan.com Credit upon spending $3,000 on qualifying purchases within 90 days from card approval.
- Earn 1 Qantas Point per $1 spent on eligible purchases. You must link your Qantas Frequent Flyer details to your Kogan FIRST membership account.
- No annual fees, forever!
- Free shipping on thousands of products, express shipping upgrades, and access to exclusive promos at Kogan.com and Dick Smith.
- Plus, get $100 off your Kogan Energy bill with your FIRST membership.
Pros & cons
Pros
- 0% p.a. for 6 months on Balance Transfers with no balance transfer fee. Reverts to 22.74% p.a after the promotional period.
- Earn 2 reward points per $1 on eligible purchases at Kogan.com and 1 reward point per $1 on other eligible purchases.
- Uncapped rewards.
- Use your points to shop at Kogan.com (1,000 points equals $10 in credit).
- Add up to 4 additional cardholders at no extra cost.
- Compatible with Apple Pay and Google Pay.
- Shop confidently with FRAUDSHIELD® and Visa Zero Liability, keeping your transactions secure.
Cons
- Foreign transaction fee of $5 or 3.5% for domestic, $5 for international.
- The ongoing cash advance rate is 22.74% p.a.
