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
- Transfer your balance to 0% p.a. interest for 10 months with a 1% balance transfer fee (reverting to 22.74% p.a. after the promotional period ends).
- No annual fee for life. This keeps costs low and simple, so you can focus on the benefits.
- Earn 2 reward points per $1 on eligible purchases at Kogan.com and 1 point per $1 on all other eligible spending, uncapped.
- Unlock extra perks with complimentary Kogan FIRST membership. Benefits include free shipping on thousands of items at Kogan.com and Dick Smith, faster delivery options, special members-only deals, and $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.
