Low Interest Rate Credit Cards

Reward Programs vs Low Interest Cards

Ever wondered how much you actually need to spend before a rewards card starts giving, instead of costing?
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Or how they weigh up in terms of benefit against a regular low interest card?
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Find out here how the two card types weigh up against each other, with valuable and convincing statistics from Cannex.

A Guide to Credit Card Interest

Interest rates are arguably the distinguishing and key factor when comparing the bulk of credit cards. While most know the basics, those unexperienced with credit cards can learn the in’s and out’s of credit card interest while an experienced user may pick up a tip or two.
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Click here to read our Guide to Credit Card Interest.

Citibank Personal Credit Card - Details and Application

Citibank Personal Credit lets you consolidate your debts with a great balance transfer offer AND have the option to spend at an equally attractive rate.

• 7.9% p.a.* for LIFE on balances you transfer from non-Citibank credit cards, store cards and personal loans.
• SAVE with a low ongoing interest rate of 14.99% p.a.



• 14.99% p.a. on ANY purchases and cash advances.
• SAVE with no everyday transactional fees.
• NO transaction, ATM/EFTPOS or cash advance fees so even more money stays in your pocket.
• With $5,000 to $25,000 to use on whatever you want, Personal Credit gives you the flexibility to repay and re-borrow funds.
• Use at ATMs, and to purchase in store, online and over the phone. A chequebook is also available on request.

Click here for the official Citibank Personal Credit Card offer.

St.George Vertigo MasterCard Credit Card Review

The St.George Vertigo MasterCard is the “Winner of Money Magazine’s Best of the Best Award for Cheapest Credit Card”, and with good reason.
The ideal credit card for Australian’s who love shopping with a low rate on purchases.

• A low rate on purchases of 11.89% p.a
• 0% p.a. balance transfer rate for up to 6 months
• Awarded Australia’s cheapest credit card – Money Magazine 2008.
• Up to 55 interest free days on purchases*
• Low $55 annual fee
• An additional card for a friend or family member, with all transactions on one statement
• Linked access to your other St.George accounts, for the ease of one card banking
• Instant discounts with St.George Instant Benefits

Click here to see the Official St.George Vertigo Mastercard Offer.

BankWest Lite MasterCard Credit Card

0%p.a. for nine months on balance transfers Australia’s lowest ongoing rate MasterCard of 9.89%p.a. - Excludes cash advances Up to 55 days interest free

St.George Starts Low 12.24% Stays Low Credit Card - Review and Application

Looking for great credit card features that don’t expire after a time period? St.George Starts Low, Stays Low Credit Card - the one low rate for purchases and cash that’s guaranteed to stay low.

• One low 12.99% p.a rate for purchases and cash advances.
• Up to 55 interest free days on purchases.
• $69 annual fee.
• Up to 3 additional cards for your friends or family, with all transactions on one statement.
• Linked access to your other St.George accounts for the ease of one card banking.
• Instant discounts and added extras with St.George Instant Benefits.

Click here for the St. George Starts Low Stays Low Card offer.

Commonwealth Bank Low Rate Card - Details and Application

Have high interest rates been an issue for you in the past? Pay less on your repayments with the fantastic low interest rate of the Commonwealth Bank Low Rate card.

• Low interest rate of just 13.24% p.a. on purchases and 13.24% on cash advances
• Low $48 annual fee
• Up to 55 days’ interest free on all purchases
• Even lower balance transfer rate of 5.99% p.a. for 5 months
• Free additional card for a family member or friend
• Online security guarantee

Click here for the official Commonwealth Bank Low Rate card offer.

Why Compare Credit Card Offers to Find the Best Deal

The Truth about Credit Card Offers
Why do the credit card providers off such incredible features like ‘interest free’ and ‘0% balance transfers’? What’s in it for them?
These might be some questions that have run through your head. They’ve certainly run through mine.
I am always more than a little skeptical about signs that shout out “Zero [...]

Making Money with Credit Cards

The very idea of potentially making money from a credit card can, from time to time, seem incredibly far-fetched. However, it is something that is very possible, but requires you to have a bit of discipline. In essence, you are going to be taking money from the credit card company and then reinvesting [...]

Why Consider a Lower Interest Rate Credit Card?

Before even applying for a credit card, the first thing that people do is go out and try and find the lowest interest they can find. They want to get low interest credit cards for the off chance that they are unable to pay the credit card company back; they don’t want to be [...]

Citibank Clear Credit Card - 55 days interest free Credit Card

At last a credit card that gives you a low interest rate of 0% on balance transfers for 6 months as well as a low interest rate of 12.49% p.a. on purchases*. With Citibank Clear Card, the choice has never been clearer.

• 12.49% p.a. interest rate ongoing for purchases.



• Access to your account anywhere, anytime via Internet and phone banking.
• Up to 55 days interest free on retail purchases.
• No annual fee for the first year.

Click here to see the official Citibank Clear Credit Card offer

St.George Gold Low Rate Card - Details and Application

A low interest rate credit card, this offer from St.George is a hit among Australian consumers who generally are after a higher credit limit. Take advantage of the St George Gold Credit card today, and receive more benefits including shopping and travel insurance.

• A low Gold card rate of 14.25% p.a for purchases and 18.25% on cash advances.



• Up to 55 interest free days on purchases*
• Annual fee of $79
• Higher credit limits – starting from $5,000.
• Comprehensive Insurance on Overseas Travel, Transit Accident, Extended Warranty and Purchase Cover.
• Up to 3 free additional cards for your friends or family, with all transactions on one statement.
• Linked access to your other St.George accounts for the ease of one card banking.
• Instant discounts and added extras with St.George Instant Benefits.

Click here for the official St George Starts Low Stays Low offer.

American Express Gold Card - Details and Application

The American Express Gold Credit Card - Receive the prestige and class you would expect from American Express along with the service and benefits of a Gold card.

• Low Interest rate of 19.99% p.a.
• No annual card fee for the first year, saving you $70
• Up to 55 days interest free on purchases*
• Option to join one of Australia’s leading rewards programs, where $1 spent = 1 Membership Rewardsâ„¢ point and there’s no cap or expiry of points whilst your account is current
• Transfer your credit card balance to a low rate of 6.99% for 6 months subject to our interest rate policy
• An online fraud protection guarantee

Click here for the official American Express Gold Card offer.

ANZ Low Rate MasterCard - 4.9% on Purchases for 12 Months

If you’re after Low interest rates, interest free periods, 0% p.a. balance transfer in one card, look no further than the ANZ Low Rate Mastercard. You don’t even need to be an ANZ customer to apply.

• 0% p.a.balance transfer rate for the first 6 months. If you apply and transfer your balances from non-ANZ credit, charge or store cards you can enjoy a 0% balance transfer rate for the first 6 months.
• Low interest rate of 12.99% p.a.
• Interest rate for cash advances is 20.99% p.a.
• Up to 55 days interest free credit on purchases
• $58 annual fee with up to 3 additional cardholders at no extra cost
• Receive your new ANZ Low Rate MasterCard within 5 days of approval.

Click here to see the official ANZ Low Rate Mastercard offer.

HSBC Low Rate Credit Card

The HSBC Low Rate Credit Card features no annual fee for the first year, along with 0% interest until January 2009 on all balances transferred. In the short term, you can’t get much better than a credit card with 0% interest and $0 of fees.

• Up to 55 days interest free on purchases



• Competitive interest rate of 13.99% p.a
• Access to HSBC’s ‘home&Away Privilege Program’ with Instant Rewards in over 40 countries
• Access your cash practically anywhere worldwide.
• Choose how you make your repayments, including any HSBC branch, telephone, direct debit, by mail, BPAY®, online or at Australia Post
• Worldwide acceptance at over 24 million Visa merchants

Aussie Mastercard - Details and Application

The Aussie MasterCard isn’t your typical credit card - no meaningless reward schemes and other expensive features you’ll unnecessarily be paying for. The only thing typical is the service and quality you would expect from Aussie.

• Low interest rate of 11.99% p.a. on purchases.



• 55 days interest free credit on purchases
• 0% p.a. interest rate on balance transfers for the first 6 months.*
• A generous 17.99% p.a. interest rate on cash advances.
• Online Shopping security guaranteed with MasterCard Securecode â„¢
• Get an online response in 60 seconds
• You don’t need to be an Aussie customer to apply.

Click here for the Official Aussie Mastercard Offer