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The Advantages of Credit Cards with Low Interest Rates

Posted August 31st, 2009 and last modified July 1st, 2010

It is actually very convenient to use a credit card with low interest rates for your shopping needs. With a credit card, there is no need for you to go to the bank and get some cash to pay for your purchases. Aside from that, you don’t have to worry that you will be carrying a large amount of money with you all the time if you have a credit card.

St George Vertigo Offer

Featured Low Interest Credit Card

Paying off a low interest credit card is much easier than paying off a high interest card. Combined with a low balance transfer offer for the first 6 months, the St. George Vertigo MasterCard is a great low interest credit card to consider applying for.

  • $55 annual fee
  • 12.49% p.a. on purchases
  • 2.99% p.a. for 6 months on balance transfers
  • Cash Advance Rate of 21.24%
  • Enjoy up to 55 days interest free on purchases

Overall, a low interest rate credit card is much cheaper compared to other types of credit cards.

Advantages of Credit Cards with Low Interest Rates:

  • Credit cards with low interest rates are affordable if you will be using them for purchases.
  • This type of credit card can be used in many different ways.

For people who would like to have a credit card that is used for emergency purposes only, good credit cards to consider are credit cards with low interest rates.

On the other hand, if you are planning to use your credit card frequently to make purchases, you can still benefit from a low interest rate credit card. You can use a low interest credit card as a back up or bridge finance that gives you access to money in case you don’t have enough funds to pay for your primary credit card.

What is the best low interest rate credit card?

Actually, looking for the best interest rate credit card is not that difficult. You can make a comparison between the credit cards offered and judge them according to your needs and demands.

The lowest interest rate for a credit card nowadays could be as low as 9%.

Applying for a Credit Card:

At some point in your life, you will experience a need for cash to buy something you need. Perhaps you need to pay your bills immediately but don’t have any funds. When you are in this situation it is probably a good time to apply for a personal credit card.

Applying for a credit card is very easy because you can now do it online. All you have to do is complete the online application and submit it. You can apply for a credit card without leaving your desk or having to stand in a long line during your lunch break.




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HSBC Visa Balance Transfer Credit Card

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)

HSBC Credit Card
HSBC Credit Card
Balance Transfer & No Annual FeeEditor's Choice:
0% for 6 months Balance Transfer & No Annual Fee

Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.
16.99%20.75%0% for 6 months$055 Apply Now For The HSBC Credit Card
Read More About The HSBC Credit Card
Suncorp Clear Options Standard Visa Card
Suncorp Clear Options Standard Visa Card
A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases.12.24%17.99%1.9% for 12 months$390 Apply Now For The Suncorp Clear Options Standard Visa Card
Read More About The Suncorp Clear Options Standard Visa Card

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