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.
By Andrew Boyd | Verified by David Boyd | Updated 4 Jul 2024
As seen on
Comparing low cash advance rate credit cards
Cash Advance Rate
N/A
Cash Advance Fee
N/A
Minimum Credit Limit
$1,000.00
Annual fee
$0.00 p.a. ongoing
Highlights
- Benefit from a competitive 10.99% p.a. interest rate for purchases.
- Enjoy a perpetual $0 annual fee with card ownership.
- Access up to 55 days interest-free.
Pros
Cons
On 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
Highlights
- Benefit from 0% p.a. interest on balance transfers for 12 months (with a 2% BT fee, then 12.99% p.a.).
- 0% p.a. for 12 months on purchases (returning to 12.99% p.a.).
- Enjoy up to 55 interest-free days on purchases.
- Exclusive offer for new customers for a limited time. Additional charges, as well as terms and conditions, apply.
Pros
Cons
On website
Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$4.00
Minimum Credit Limit
$6,000.00
Annual fee
$69.00 p.a. ongoing
Highlights
- Experience 0% p.a. interest on balance transfers for 12 months (with a 2% BT fee, then 12.99% p.a.).
- 0% p.a. for 12 months on purchases (reverting to 12.99% p.a.).
- Benefit from up to 55 interest-free days.
- Offer exclusively for new customers within a specified period. Additional charges, along with terms and conditions, apply.
Pros
Cons
On website
Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$4.00
Minimum Credit Limit
$1,000.00
Annual fee
$0.00 p.a. ongoing
Highlights
- Avoid annual fees for the duration of card ownership.
- 0% p.a. for 28 months on transferred balances (with a 3% balance transfer fee). Returns to 14.99% p.a. thereafter.
- Enjoy up to 55 days interest-free on purchases.
- Offer exclusive to new customers for a limited time. Additional fees and charges, as well as terms and conditions, apply.
Pros
Cons
On website
Cash Advance Rate
21.74% p.a.
Cash Advance Fee
$3.00
Minimum Credit Limit
$1,000.00
Annual fee
$0.00 for 1st year
Highlights
- Experience 0% p.a. on balance transfers for 28 months with a 2% balance transfer fee. Reverting to a variable cash advance rate of 21.74% p.a. after the promotional period.
- Initial $0 annual card fee for the first year ($59 p.a. thereafter).
- Receive a response within 60 seconds.
Pros
Cons
On website
Cash Advance Rate
0% p.a.
Cash Advance Fee
N/A
Minimum Credit Limit
$1,000.00
Annual fee
$0.00 p.a. ongoing
Highlights
- Obtain the latest credit card from NAB - straightforward, affordable, and above all, interest-free!
- No Use, No Pay. Should your NAB StraightUp credit card remain unused throughout the entire statement period, the monthly fee will be reimbursed. No unexpected charges!
- Utilize your card for foreign currency transactions and relish in zero foreign transaction fees!
- Consistent fixed minimum payments determined by your credit limit, providing you with assurance of monthly payment amounts.
Pros
Cons
On website
MONEYME Freestyle Virtual Card
Make sure you meet the following criteria before applying.
Application requirements:
Cash Advance Rate
18.74% p.a.
Cash Advance Fee
N/A
Minimum Credit Limit
$1,000.00
Annual fee
From $0.00 p.a. ongoing
Highlights
- 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
Pros
Cons
On website
Cash Advance Rate
21.49% p.a.
Cash Advance Fee
3%
Minimum Credit Limit
$500.00
Annual fee
$55.00 p.a. ongoing
Highlights
- Benefit from a 28-month 0% interest period on Balance Transfers, accompanied by a 1% balance transfer fee. Afterwards, it switches to a cash advance rate of 21.49% p.a.
- Enjoy a low variable interest rate of 13.99% p.a. on purchases.
- The annual fee remains low at $55 p.a.
Pros
Cons
On website
Cash Advance Rate
13.49% p.a.
Cash Advance Fee
$4.00
Minimum Credit Limit
$1,000.00
Annual fee
$0.00 p.a. ongoing
Highlights
- Benefit from one of the most competitive ongoing purchase interest rates at 13.49% p.a.
- Cash advances are equally cost-effective, also at 13.49% p.a., accompanied by a $4 or 2% fee (whichever is greater).
- The ideal annual fee: zero.
Pros
Cons
On website
Cash Advance Rate
21.49% p.a.
Cash Advance Fee
3%
Minimum Credit Limit
$500.00
Annual fee
$55.00 p.a. ongoing
Highlights
- Receive up to $400 cashback on your supermarket purchase or benefit from 0% interest for 28 months on Balance Transfers with a 1% balance transfer fee. Reverts to a cash advance rate of 21.49% p.a.
- Enjoy a low variable interest rate of 13.99% p.a. on purchases.
- 55 days interest-free on purchases.
Pros
Cons
On website
Cash Advance Rate
21.49% p.a.
Cash Advance Fee
3%
Minimum Credit Limit
$500.00
Annual fee
$55.00 p.a. ongoing
Highlights
- Receive up to $400 cashback on your supermarket purchase or benefit from 0% interest for 28 months on Balance Transfers with a 1% balance transfer fee. Reverts to a cash advance rate of 21.49% p.a.
- 13.99% p.a. low variable interest rate on purchases.
- Low annual fee of $55 p.a.
