Cheap Visa Credit Cards – Compare the cheapest Visa low interest cards
Posted September 11th, 2009
and last modified January 11th, 2010Getting a cheap Visa credit card with a low interest rate might sound like an impossible thing for you, but believe me, it is very much possible to strike a great deal with the right Visa card.
Of course cheap in this instance means low rates and the following low rate Visa credit cards are the best of the lot if you are looking for a cheap Visa.
Why a cheap Visa credit card is giving you more money in your pocket:
Actually, there are several reasons why a cheap Visa card can give you more money. For starters, by paying smaller rates you save money while being able to spend it upfront, i.e. on credit.
It becomes soon apparent that low fee cards can save you quite a bit of money in the long term. Especially if you are using your card frequently.
- You will get more cash flow.
- Decrease your credit card balance.
- Optimal for a line of credit situation due to paying smaller fees on existing debt.
- Flexibility.
Low fee or cheap Visa cards handled correctly can be a lifesaver for anyone struggling with debt.
The best cheap Visa credit cards in Australia:
The following three cheap Visa’s are the best on the market right now thanks to their features and low cost. When comparing these cards we took in the overall costs of using the card. This includes the interest rates in purchases, the annual card fee and other fees and costs.
1.) Citibank Clear Platinum Visa Card: The Citibank Clear Platinum Visa Card is the winner of Australia’s best cheap Visa card:
- A standard purchase interest rate of 11.49 % p.a.
- 0.99% p.a. for 6 months on balance transfers
- A $85 annual card fee.
- Up to 55 interest free days on purchases.
- Extra features such as travel insurance, entertainment discounts, etc.
2.) ANZ Balance Visa Card: The ANZ Balance Visa Card offers a similar deal to the Low Rate MasterCard but does come with a higher price tag. Here are the details:
- A purchase interest rate of 12.74% p.a.
- 0% p.a. balance transfer rate for 6 months.
- A $79 annual card fee.
- Up to 55 days interest free days on purchases.
- Rewards program.
3.) Citibank Clear Card: Citibank is always keen to supply great products to their consumers and with the Citibank Clear Card they have managed to bring another great product on to the market. See for yourself:
- A purchase interest rate of 15.49% p.a.
- 2.9% p.a. balance transfer rate for 6 months.
- A $65 annual card fee.
- Up to 55 days interest free days on purchases.
As you can see, with the three choices of cheap Visa cards you can choose to save your money while having the benefit of using a low interest credit card for purchases.
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Best Balance Transfer Credit Card Offer
The Bankwest Lite MasterCard is Australia's cheapest credit card offer, giving you the lowest MasterCard purchase rate of just 9.99% p.a. as well as a long balance transfer offer on your existing credit card balance at 1.99% p.a. for 12 months!
Editor's Choice: Our Top Credit Cards
| Credit Card | Card Details | Interest Rate (p.a.) | Cash Advance Rate (p.a.) | Balance Transfer Rate (p.a.) | Annual fee | Interest free days (up to) | |
|---|---|---|---|---|---|---|---|
 Bankwest Lite MasterCard |
 Editor's Choice:Cheapest Credit Card The lowest stress mastercard, with Australia's lowest MasterCard purchase rate of just 9.99% p.a. |
9.99% | 20.99% | 1.99% for 12 months | $59 | 55 |   |
 St George Vertigo |
 Editor's Choice:Best Bank Low 2.99% for 6 months (reverts to 11.99%) p.a. interest rate and balance transfer rate, from one of Australia's most respected banks. |
2.99% for 6 months (reverts to 11.99%) | 20.74% | 2.99% for 6 months | $55 | 55 | |
 Coles Group Source MasterCard | The Coles Group Source MasterCard has no annual fee, a 0% p.a. balance transfer offer for 6 months, with a rewards program including savings on fuel and FlyBuys Points | 19.74% | 21.99% | 0% for 6 months | $0 | 62 | |
 Citi Clear Platinum Visa |
Editor's Choice: Low Interest An excellent low interest credit card offer with 11.49%interest on purchases and 0.99% for 6 months on balance transfers . |
11.49% | 20.99% | 0.99% for 6 months | $49 (First Year, Save $50) | 55 | |
 Bankwest Zero Platinum MasterCard |
Editor's Choice: No Annual Fee Excellent introductory offer with a $0 annual fee for the life of the credit card and a 1.99% p.a. for 12 months on balance transfers |
15.99% | 15.99% | 1.99% for 12 months | $0 | 55 | |
December 3rd, 2009 at 3:18 pm
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