Low Interest AND Rewards this Christmas?

As a general rule of thumb – you can’t get it all with credit cards. If a certain credit card has no annual fee and a low interest rate, it will generally have 0 interest free days to compensate. If a credit card has a low fee and rewards program, it may have a high interest rate to cover.Â

There are 2 credit cards currently available for Australians to take advantage of that offers a low interest rate and a reward’s program for you to rack up points on this Christmas.

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The ANZ Balance Visa Card

One of our consistently performing ‘Top 12′ credit card offers on Credit Card Finder based on Australian consumer’s feedback and reviews. The ANZ Balance Visa offers:

• 12.99% on purchases
• $79 annual fee
• 55 days interest free
• 0% for 6 months on balance transfers
• Earn 1 reward point for every $1 repaid off your balance – a great motivator to stay financially responsible with your credit cards (doesn’t apply to any amount paid off your balance transfer)

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The St George Low Rate Gold Card

Most low interest credit cards have the drawback of not featuring a reward’s program. The St George Gold Low rate offers:

• A 5-star credit card award from Cannex
• 14.25% on purchases
• $79 annual fee
• 55 days interest free
• A gold status reward’s program with extensive travel insurance
• Redeem rewards with St George ‘Instant Benefits’.

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If you aren’t interested in reward’s and are simply after the absolute cheapest, $0 fee and 0% interest rate cards, click here for our best Christmas credit card offers.
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Related posts:

1. Christmas Cash: Do you need a Christmas Credit Card?
2. Save Money this Christmas: Repay $0 on Interest and Fees
3. ANZ Rewards Visa – Earn Rewards Points With An ANZ Rewards Credit Card
4. Which Rewards Credit Cards Offer Me The Most Rewards For Spending?
5. Velocity Rewards: Credit Cards That Earn You Velocity Rewards Points

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 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!

Click here to read the official terms and conditions on the banks website

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 10.75% p.a.	10.75%	21.49%	1.99% for 9 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 9 months on balance transfers	16.99%	16.99%	1.99% for 9 months	$0	55