Low Interest Rate Credit Card Results

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Credit Card

  • Purchase Rate Promo
  • Purchase Rate
  • Annual Fee
  • Balance Transfer Promo
  • Minimum Income
St.George Vertigo Platinum
St.George Vertigo Platinum
  • Purchase Rate Promo 0% for 15 months
  • Purchase Rate 12.99%
  • Annual Fee $99
  • Balance Transfer Promo -
  • Minimum Income $0
  • International Travel Insurance
Purchase Interest Rate: 12.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $99
Interest Free Days: 55 days
Cash Advance Rate: 21.49% p.a.
Concierge Service: Yes
Travel Insurance: International Travel Insurance
Purchase Rate Promo: 0% p.a. for 15 months
NAB Low Rate Platinum
NAB Low Rate Platinum
  • Purchase Rate Promo 0% for 15 months
  • Purchase Rate 13.99%
  • Annual Fee $100
  • Balance Transfer Promo 0% for 6 months
  • Minimum Income $0
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 13.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $100
Interest Free Days: 55 days
Cash Advance Rate: 21.74% p.a.
Purchase Protection: Yes
Travel Insurance: International Travel Insurance
Entertainment: Visa Premium Access
Concierge Service: Yes
Balance Transfer Rate: 0% p.a. for 6 months
Balance Transfer Fee: 2%
Reverted Interest Rate: 21.74% p.a.
Purchase Rate Promo: 0% p.a. for 15 months
Virgin Velocity Flyer – Purchase & BT
Virgin Velocity Flyer – Purchase & BT
  • Purchase Rate Promo 0% for 14 months
  • Purchase Rate 20.74%
  • Annual Fee $129
  • Balance Transfer Promo 0% for 6 months
  • Minimum Income $35,000
  • $129 Virgin Australia voucher per year
Purchase Interest Rate: 20.74% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $129
Interest Free Days: 44 days
Cash Advance Rate: 20.99% p.a.
Mobile Pay: Samsung Pay
Travel Credit: $129 Virgin Australia voucher per year
Entertainment: Visa Platinum Benefits
Concierge Service: Yes
Balance Transfer Rate: 0% p.a. for 6 months
Balance Transfer Fee: 0%
Reverted Interest Rate: 20.99% p.a.
Purchase Rate Promo: 0% p.a. for 14 months

All Results (24)

Credit Card

  • Purchase Rate Promo
  • Purchase Rate
  • Annual Fee
  • Balance Transfer Promo
  • Minimum Income
St.George Vertigo Platinum
St.George Vertigo Platinum
  • Purchase Rate Promo 0% for 15 months
  • Purchase Rate 12.99%
  • Annual Fee $99
  • Balance Transfer Promo -
  • Minimum Income $0
  • International Travel Insurance
Purchase Interest Rate: 12.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $99
Interest Free Days: 55 days
Cash Advance Rate: 21.49% p.a.
Concierge Service: Yes
Travel Insurance: International Travel Insurance
Purchase Rate Promo: 0% p.a. for 15 months
NAB Low Rate Platinum
NAB Low Rate Platinum
  • Purchase Rate Promo 0% for 15 months
  • Purchase Rate 13.99%
  • Annual Fee $100
  • Balance Transfer Promo 0% for 6 months
  • Minimum Income $0
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 13.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $100
Interest Free Days: 55 days
Cash Advance Rate: 21.74% p.a.
Purchase Protection: Yes
Travel Insurance: International Travel Insurance
Entertainment: Visa Premium Access
Concierge Service: Yes
Balance Transfer Rate: 0% p.a. for 6 months
Balance Transfer Fee: 2%
Reverted Interest Rate: 21.74% p.a.
Purchase Rate Promo: 0% p.a. for 15 months
Virgin Velocity Flyer – Purchase & BT
Virgin Velocity Flyer – Purchase & BT
  • Purchase Rate Promo 0% for 14 months
  • Purchase Rate 20.74%
  • Annual Fee $129
  • Balance Transfer Promo 0% for 6 months
  • Minimum Income $35,000
  • $129 Virgin Australia voucher per year
Purchase Interest Rate: 20.74% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $129
Interest Free Days: 44 days
Cash Advance Rate: 20.99% p.a.
Mobile Pay: Samsung Pay
Travel Credit: $129 Virgin Australia voucher per year
Entertainment: Visa Platinum Benefits
Concierge Service: Yes
Balance Transfer Rate: 0% p.a. for 6 months
Balance Transfer Fee: 0%
Reverted Interest Rate: 20.99% p.a.
Purchase Rate Promo: 0% p.a. for 14 months
Suncorp Platinum
Suncorp Platinum
  • Purchase Rate Promo 0% for 14 months
  • Purchase Rate 20.74%
  • Annual Fee $129
  • Balance Transfer Promo 0% for 14 months
  • Minimum Income $35,000
  • International Travel Insurance
Purchase Interest Rate: 20.74% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $129
Interest Free Days: 55 days
Cash Advance Rate: 21.99% p.a.
Mobile Pay: Samsung Pay
Travel Insurance: International Travel Insurance
Entertainment: Visa Entertainment
Hotel: Suncorp travel centre
Concierge Service: Yes
Balance Transfer Rate: 0% p.a. for 14 months
Balance Transfer Fee: 0%
Reverted Interest Rate: 21.99% p.a.
Purchase Rate Promo: 0% p.a. for 14 months
Coles Low Rate
Coles Low Rate
  • Purchase Rate Promo 0% for 12 months
  • Purchase Rate 12.99%
  • Annual Fee $58
  • Balance Transfer Promo 0% for 12 months
  • Minimum Income $25,000
  • Purchase Protection
Purchase Interest Rate: 12.99% p.a.
Minimum Credit Limit: $2,000
Annual Fee: $58
Interest Free Days: 55 days
Cash Advance Rate: 19.99% p.a.
Purchase Protection: Yes
Mobile Pay: Coles Mobile Wallet
Concierge Service: Yes
Balance Transfer Rate: 0% p.a. for 12 months
Balance Transfer Fee: 0%
Reverted Interest Rate: 19.99% p.a.
Purchase Rate Promo: 0% p.a. for 12 months
Coles No Annual Fee
Coles No Annual Fee
  • Purchase Rate Promo 0% for 12 months
  • Purchase Rate 19.99%
  • Annual Fee $0
  • Balance Transfer Promo 0% for 12 months
  • Minimum Income $25,000
  • Purchase Protection
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $2,000
Annual Fee: $0
Interest Free Days: 55 days
Cash Advance Rate: 19.99% p.a.
Purchase Protection: Yes
Mobile Pay: Coles Mobile Wallet
Concierge Service: Yes
Balance Transfer Rate: 0% p.a. for 12 months
Balance Transfer Fee: 0%
Reverted Interest Rate: 19.99% p.a.
Purchase Rate Promo: 0% p.a. for 12 months
HSBC Platinum
HSBC Platinum
  • Purchase Rate Promo 0% for 12 months
  • Purchase Rate 19.99%
  • Annual Fee $129
  • Balance Transfer Promo 0% for 12 months
  • Minimum Income $40,000
  • Purchase Protection
  • Domestic & International Travel Insurance
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $129
Interest Free Days: 55 days
Cash Advance Rate: 21.99% p.a.
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Mobile Pay: Apple Pay, Google Pay
Airport Lounge: 2 airport lounge passes with LoungeKey membership
Entertainment: Frequent Values & Visa Premium Benefits
Balance Transfer Rate: 0% p.a. for 12 months
Balance Transfer Fee: 0%
Reverted Interest Rate: 21.99% p.a.
Purchase Rate Promo: 0% p.a. for 12 months
Citi Clear Platinum
Citi Clear Platinum
  • Purchase Rate Promo 0% for 9 months
  • Purchase Rate 14.99%
  • Annual Fee $99
  • Balance Transfer Promo 0% for 9 months
  • Minimum Income $35,000
  • Purchase Protection
Purchase Interest Rate: 14.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $99
Interest Free Days: 55 days
Cash Advance Rate: 22.24% p.a.
Purchase Protection: Yes
Entertainment: Visa Front Line Access & Citi World Privileges
Mobile Pay: Apple Pay, Samsung Pay
Dining: Free Wine Every Time You Dine With The Citibank Dining Program
Balance Transfer Rate: 0% p.a. for 9 months
Balance Transfer Fee: 0%
Reverted Interest Rate: 22.24% p.a.
Purchase Rate Promo: 0% p.a. for 9 months
NAB Low Rate
NAB Low Rate
  • Purchase Rate Promo 0% for 6 months
  • Purchase Rate 13.99%
  • Annual Fee $59
  • Balance Transfer Promo 0% for 6 months
  • Minimum Income $0
Purchase Interest Rate: 13.99% p.a.
Minimum Credit Limit: $500
Annual Fee: $59
Interest Free Days: 55 days
Cash Advance Rate: 21.74% p.a.
Entertainment: Visa Entertainment
Balance Transfer Rate: 0% p.a. for 6 months
Balance Transfer Fee: 2%
Reverted Interest Rate: 21.74% p.a.
Purchase Rate Promo: 0% p.a. for 6 months
American Express Low Rate
American Express Low Rate
  • Purchase Rate Promo -
  • Purchase Rate 8.99%
  • Annual Fee $0
  • Balance Transfer Promo 0% for 12 months
  • Minimum Income $50,000
  • Purchase Protection
  • Refund Protection
Purchase Interest Rate: 8.99% p.a.
Interest Free Days: 55 days
Annual Fee: $0
Minimum Credit Limit: $1,000
Purchase Protection: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Balance Transfer Rate: 0% p.a. for 12 months
Balance Transfer Fee: 1%
Reverted Interest Rate: 8.99% p.a.

Low Interest Rate Credit Card FAQ

A low interest rate credit card can be considered as having a purchase rate that’s less than 15% p.a versus the standard purchase rate of 20% p.a. Purchase rate is the interest rate set for goods and services purchased on a credit card.

Are you someone who carries over their credit card balance each month? If the answer is yes, then you're likely paying interest charges on the spending balance carried over every month. Which means a low interest credit card is a good fit for you and could potentially save you paying hundreds or even thousands of dollars in interest charges over the years.

Are you determined to pay the balance on your credit card down to zero? If so, then a low interest rate or balance transfer offer can be two great picks for you. Getting charged less interest leaves you with more money in your pocket or for paying down the balance.

A good time to use a low interest rate credit card is when you need to make an urgent or immediate purchase but don’t have enough savings to pay for it. So instead you can make a purchase now then repay it back in installments. But do not make this buy now and pay later thing a habit, especially when it comes to making large transactions.

Some of the lowest interest credit cards in the market are around 8% per annum and occasionally the credit card providers promote 0% purchase interest rate offers. Another option are balance transfer offers which can start at 0% interest p.a. and sometimes last for 26 months or more. When comparing or applying for a low interest credit card do ensure you check the annual fee amount.

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Disclaimer 

Kredmo Pty Ltd is not a credit provider and does not provide personal financial or professional advice or credit assistance. The information published on this site/page is of a general nature only and does not consider your personal objectives, financial situation or particular needs. The information published on this site/page should not be relied upon as a substitute for personal financial or professional advice. Kredmo strongly recommends that you seek independent advice before you apply for any product or service, which is described on the site/page... Read More