Credit Card Finder Comparison Service Australia

Credit Card Repayment Calculator, Calculate Interest

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Introducing the Credit Card Finder credit card calculator perfect for calculating your interest repayments and when you will repay your debt. Balance transfer credit cards are worth considering to help you repay your debt faster.


How to use the calculator

Step 1
Enter your credit cards and loans into the table at the top. Start by entering the name of the card, then the balance, the interest rate you are paying and the current minimum payment you need to make.


Step 2
Enter the monthly amount of money you can afford to pay your debt off with into the “Minimum payment” box. This is the amount of money you are going to use each month to pay off your credit cards. Select whether you want to pay off the highest balance first (I.e. the Debt Snowball method) or the lowest balance first.


Step 3
You can now see your monthly payment schedule by clicking in the tab at the top.


Step 4

You can now export your monthly payment schedule by clicking at the bottom of the calculator.



St George Vertigo Offer

Best Credit Card For 2010

The St.George Vertigo MasterCard features a competitive 2.99% p.a interest rate on purchases and balance transfers for the first 6 months. This is truly an amazing offer from one of Australia’s most respected banks.

  • $55 annual fee
  • 2.99% for 6 months p.a. on purchases
  • 20.74% p.a. on cash advances
  • 2.99% p.a. for 6 months on balance transfers
  • 2.99% p.a on purchaes (reverts to 11.99% p.a)

Top 6 Balance Transfer 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
Bankwest Lite MasterCard
Low interest rate on purchases with interest free days. 10.75% 21.49% 1.99% for 9 months $59 55  Apply Now For The Bankwest Lite MasterCard
Read More About The Bankwest Lite MasterCard
Citibank Clear Platinum Visa Card
Citibank Clear Platinum Visa Card
Low interest rate on purchases and a great balance transfer offer 11.49% 20.99% 0.99% for 6 months $49 (First Year, Save $50) 55  Apply Now For The Citibank Clear Platinum Visa Card
Read More About The Citibank Clear Platinum Visa Card
St George Vertigo
St George Vertigo
Low 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  Apply Now For The St George Vertigo
Read More About The St George Vertigo
Coles Group Source MasterCard
Coles Group Source MasterCard
The Cole Group Source MasterCard is a unique credit card offer with no annual fee for life, 62 interest free days and a rewards program offering savings on fuel and FlyBuys 19.74% 21.99% 0% for 6 months $0 62  Apply Now For The Coles Group Source MasterCard
Read More About The Coles Group Source MasterCard
Westpac Low Rate Card
Westpac Low Rate Card
A very popular card choice with a low interest rate and a balance transfer offer for a limited time only 12.74% 20.74% 1.99% for 9 months $45 55  Apply Now For The Westpac Low Rate Card
Read More About The Westpac Low Rate Card
Aussie MasterCard
Aussie MasterCard
The Aussie MasterCard can save you from your high interest credit card with a low interest rate on purchases and balance transfers 2.99% for 6 months (reverts to 12.29%) 18.79% 2.99% for 6 months $49 55  Apply Now For The Aussie MasterCard
Read More About The Aussie MasterCard

newAre you a Website Owner, Finance Website, Realtor, real estate agent, mortgage broker or real estate professional?

Help your customers repay their credit card today by installing this free credit card calculator on your website.

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Editor’s Choice:

Comparison of Credit Cards with Balance Transfer Offers


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 Platinum MasterCard
Bankwest Lite Platinum MasterCard
Complimentary international travel insurance, Australian warranty 12 months extension, purchase security and price guarantee and lots more! 10.75% 21.49% 1.99% for 9 months $120 55  Apply Now For The Bankwest Lite Platinum MasterCard
Read More About The Bankwest Lite Platinum MasterCard
Bankwest Lite Gold MasterCard
Bankwest Lite Gold MasterCard
Complimentary international travel insurance, extended warranty, purchase security and price guarantee 10.75% 21.49% 1.99% for 9 months $89 55  Apply Now For The Bankwest Lite Gold MasterCard
Read More About The Bankwest Lite Gold MasterCard
St George   Vertigo MasterCard Application
St George Vertigo
Editor’s Choice:
Low Interest

2.99% p.a. for 6 months and 2.99% for 6 months (reverts to 11.99%), from one of Australia’s most respected banks.
2.99% for 6 months (reverts to 11.99%) 20.74% 2.99% p.a. for 6 months $55 55
Citibank Platinum Visa Credit Card
Citibank Platinum Visa Card
Editor’s Choice:
Platinum Card

A platinum credit card with a competitive low interest rate, 0% balance transfer offer, discounts and free travel insurance.
20.49% 20.99% 4.9% p.a. for life $250 55
ANZ Low Rate MasterCard
ANZ Low Rate MasterCard
Editor’s Choice:
Balance Transfer

A very popular card choice with a low rate, annual fee and attractive 0% balance transfer offer.
12.49% 20.74% 0% p.a. for 6 months $58.00 55
Citibank Silver Credit Card
Citibank Silver Card
Features a free rewards program along with no point expiry. 20.49% 20.99% 2.90% p.a. for 12 months $89 55 Apply now for the Citibank Silver via the official Citibank website.
Find out more about what the Citibank Silver has to offer.
Citibank BP MasterCard Application
Citibank BP MasterCard

5% off petrol at BP.

0.5% cashback for every other purchase made on the card.

20.39% 20.39% 2.9% p.a. for 12 months $79 55 Apply now for the Citibank BP via the official Citibank website.
Find out more about what the Citibank BP has to offer.
Commonwealth Bank Awards Credit Card
Commonwealth Bank Awards Card
Earn up to 50,000 points per year. Online security guarantee. Cash back and Frequent Flyer Awards system, including Bonus Partner Reward Offers. 19.74% 20.74% 5.99% p.a. for 5 months $89.00 55 Apply now for the Commonwealth Bank Awards via the official Commonwealth Bank website.
Find out more about what the Commonwealth Bank Awards has to offer.
ANZ Balance Visa Card
ANZ Balance Visa Credit Card

One of the better reward program credit cards in Australia.

You gain reward points for every dollar you pay off your balance.

Also a modest annual fee and low purchase rate.

13.49% 20.74% 2.9% p.a. for 12 months $79 55 Apply now for the ANZ Balance Visa via the official ANZ website.
Find out more about what the ANZ Balance Visa has to offer.




Related posts:

  1. How to calculate your credit card monthly repayment
  2. Interest Rate Repayment Explanation
  3. How to Calculate your Balance Transfer Savings
  4. How Do I Calculate How Much I Am Worth?
  5. St.George Credit Card Repayment Methods

3 Responses

Show Comments
  1. BruceNo Gravatar Says:

    Thank you for the calculator. Could you help me with the powered by link html code please?

    It keeps on adding my site along with yours.

  2. Reduce Credit Card Debt | Credit Card Finder Says:

    [...] the damage – Round up all your debt on one sheet of paper, with those debts at the highest rates of interest at the top. These are the [...]

  3. Credit Card Debt Consolidation | Credit Card Finder Says:

    [...] of your 0% introduction period. It is advisable to do so. Before you grab the first card, visit our credit card debt repayment calculator and see how long it would take to repay your debt on the card you consider switching [...]

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The ANZ Low Rate MasterCardBest 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 10.75% p.a. as well as a long balance transfer offer on your existing credit card balance at 1.99% p.a. for 9 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)

St George Vertigo MasterCard Application
Bankwest Lite MasterCard
Editor's Choice:
Cheapest Credit Card

The lowest stress mastercard, with Australia's lowest MasterCard purchase rate of just 10.75% p.a.
10.75% 21.49% 1.99% for 9 months $59 55 Apply now for the Bankwest Lite MasterCard via the official BankWest website.
More information on the Bankwest website
St George  
Vertigo MasterCard Application
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
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 Points19.74%21.99%0% for 6 months$062 Apply Now For The Coles Group Source MasterCard
Read More About The Coles Group Source MasterCard
BankWest Zero Platinum MasterCard
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 More Platinum MasterCard
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 9 months on balance transfers
16.99% 16.99% 1.99% for 9 months $0 55

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Australian reward program details including point capping & expiry.

Free Travel Insurance
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Foreign Fees & Charges
International transaction charges from credit card companies.

Calculators

Interest Repayment Calculator
Enter your balance(s) to calculate the interest to pay on your cards.

Balance Transfer Calculator
Input a balance transfer offer to calculate your potential savings.
Credit Card News the latest rates & headlines

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The Australian Guide to Balance Transfers written by Credit Card Finder
Download our FREE e-book normally valued at $24.95. Find out how you can save hundreds to thousands of dollars on your credit cards via balance transfers.

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