Lowest Rate VISA & MasterCard Credit Cards – Compare & Apply Online

Best Low Interest Card

The St.George Vertigo MasterCard is a low interest card that will help you get in control of your finances. You will benefit from a low ongoing rate on purchases plus an introductory offer on balance transfers.

• $55 annual fee
• 13.24% p.a. on purchases
• 0.99% p.a. for 12 months on balance transfers
• Cash Advance Rate of 21.49% p.a.
• 55 days interest free
• Minimum Income Requirement of $15,000 p.a.

Read the St George Vertigo terms and conditions.

Getting your hands on a low interest rate Visa or MasterCard credit card is not as hard as you think. We have performed the comparison for you and have presented our choice of the best low interest Visa and MasterCard in this guide.

In fact, I’ve gone and sorted through all the credit cards on the market to show you the ones with the best rate, whether you need the lowest rate Visa or the lowest rate MasterCard.

What I also found that sometimes a card looks really promising but upon closer inspection some of the features can be a bit of a let off. You should also take into account that the very best lowest rate is always the one costing you the least.

So if you are among the few who can manage a credit card without going into debt chances are you already have the best card for your needs. For all others, let’s check out the selection of lowest rate cards below.

Introducing the lowest rate Visa and the lowest rate MasterCard:

Both Visa and MasterCard produce some top quality credit cards no doubt. When comparing the two providers against each other you’ll often find very similar deals. But when a credit card comparison really matters is when you are acquiring credit card debt on a regular basis, meaning you don’t pay off your card in full each month.

This is when it become essential to deal with and use the lowest rate card simply for the fact that you’ll be saving hundreds if not thousands of dollars in interest thanks to a lower rate.

Best lowest rate Visa card: The Citibank Clear Platinum Visa Card is the best performing low rate Visa card.

• Get a low 11.99% p.a. interest rates on purchases.
• A 21.74% p.a. cash advance rate of six months make this card great for balance transfers from existing and expensive cards.
• Receive up to 55 days interest free days.
• The card can be had for a $99 annual fee. Admittedly, this card fee is a little on the upside, but I think when you look past it and study the features of the Citibank Platinum Visa Card in detail you’ll soon see what I mean when I say this is the best lowest rate Visa on the market today.
• Benefit from other cool features such as discount shopping and entertainment and travel insurance.

Best lowest rate MasterCard: Like Visa, MasterCard offers great card deals for consumers. While picking through the card heap I found the ANZ Low Rate MasterCard . See for yourself by looking at the card’s features:

• A standard purchase rate of 0% p.a. for 3 months (reverts to 13.24% p.a.)
• 0% p.a. for 3 months on balance transfers
• A competitive low $99 annual fee.
• Up to 55 interest free days on purchases.
• MasterCard Applause – be entertained with exclusive tickets to theatre, dance, musicals and sporting events.

By looking at both lowest rate cards above my choice is clear. I would definitely opt for the ANZ Low Rate MasterCard thanks to the low annual fee simply because I manage my debt by not getting into it in the first place.

If on the other hand I had existing credit card debt I’d choose the Citibank Platinum Visa for its low interest rate in purchases. Either card is a great choice for choosing the lowest rate card depending if you manage debt well or not.

Check out today's featured offers:

Westpac Low Rate	Citibank Clear Platinum	Qantas AMEX Discovery	ANZ Platinum
0% p.a. for 6 months on purchases & balance transfers	2.9% p.a. for 12 months on balance transfers	$0 annual fee Up to 10,000 Bonus QFF Points	0% p.a. for 6 months on purchases & balance transfers

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Popular Credit Card Offers

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Westpac Low Rate Card - 0% Offer	A credit card with a low rate offer on both balance transfers and purchases, plus a low annual fee.	0% for 6 months (reverts to 13.49% )	0% for 6 months	$45	21.49%
	Citibank Clear Platinum Card	Competitive interest rate on purchases and balance transfers offer.	11.99%	2.9% for 12 months	$99	21.74%
	St George Vertigo	Take advantage of this great offer from St.George with a low rate on purchases and a low balance transfer offer.	13.24%	0.99% for 12 months	$55	21.49%
	ANZ Platinum Credit Card	An introductory interest rate offer on balance transfers and purchases, plus a $0 first year annual fee.	0% for 6 months (reverts to 19.24% )	0% for 6 months	$0 annual fee for the first year( $87 thereafter)	20.99%