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Commonwealth Bank Low Fee
- Specifications
- Pros & Cons
- Benefits: Reduced First Year Annual Fee
- Minimum Credit Limit : $500
- Maximum Credit Limit : $50,000
- Minimum Income : $15,000
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
$0 Annual Fee in the first year and waived in subsequent years when you spend $1,000 or more on purchases or cash advances in the previous year
Minimum credit limit of $500
3% International Transaction Fee
No attached rewards program
Latitude Gem Visa
- Specifications
- Pros & Cons
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
6 Months Interest Free on purchases over $250 with participating retailers
Three 0% Interest Payment Plans to choose from
$99 Annual Fee
3% International Transaction Fee
Payment Handling Fees ($0.95 online, $2.50 in person)
High 24.99% p.a. Purchase Rate
Westpac Low Rate
- Specifications
- Pros & Cons
- Minimum Credit Limit : $500
- Maximum Credit Limit : $25,000
- Minimum Income : $15,000
- Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
0% p.a on Balance Transfers for 16 months & No Balance Transfer Fee
Low $59 Annual Fee & Low Interest Rate of 13.74% p.a. on purchases
One additional cardholder at no extra cost
3% Foreign Transaction Fee
Latitude Low Rate Mastercard
- Specifications
- Pros & Cons
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
$69 Annual Fee
Low Interest Rate of 9.89% on purchases & up to 55 days interest free
Price Protection (buy now and if the price drops within 30 days, the difference will be refunded)
Purchase Protection (if an eligible purchase is accidentally damaged or stolen within 90 days, Latitude Financial Services will help repair or replace it)
Extended Warranty (1 year extra warranty on eligible purchases that have an existing one-to-two-year manufacturer's warranty)
3% International Transaction Fee
Payment Handling Fees ($0.95 online including BPAY, $2.50 in person)
ANZ Low Rate
- Specifications
- Pros & Cons
- Minimum Credit Limit : $1,000
- Minimum Income : $15,000
- Rewards Program: ANZ Rewards
- Contactless Payments: Apple Pay and Google Pay
Low Interest Rate of 12.49% p.a. on purchases
Low Annual Fee of $58
0% on Balance Transfers for 15 months & No Balance Transfer Fee
Up to 3 Additional Cardholders at no additional cost
3% Foreign Transaction Fee
Balance Transfers revert to the high Cash Advance Rate of 20.24% at the end of the offer period
- Award Winner 2020
Commonwealth Bank Low Rate
- Specifications
- Pros & Cons
- Benefits: Cashback Offer
- Minimum Credit Limit : $500
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Up to $300 cashback on offer if you apply by 30 April 2020
Low purchase interest rate of 13.24%
Accessible minimum credit limit of $500
$59 Annual Fee
3% International Transaction Fee
No attached rewards program
5.99% p.a. on Balance Transfers for 5 months, reverting to the high Cash Advance Rate of 21.24% thereafter
American Express Essential
- Specifications
- Pros & Cons
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $25,000
- Minimum Income : $40,000
- Rewards Program: American Express Membership Rewards
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases
Earn up to 1.25 Membership Rewards Points per $1
0% p.a. on Balance Transfers for the first 12 months
Smartphone Screen Insurance
Add up to 4 Additional Cards at no extra cost
3% Balance Transfer Fee
3% Currency Conversion Fee
ING Orange One
- Specifications
- Pros & Cons
- Benefits: No Foreign Transaction Fee
- Minimum Credit Limit : $1,000
- Maximum Credit Limit : $30,000
- Contactless Payments: Apple Pay
No Annual Fee
Set up instalment payments for a reduced rate
Accessible $1,000 minimum credit limit
"No International Transaction Fee" is conditional
NAB Low Rate
- Specifications
- Pros & Cons
- Benefits: Introductory Interest Rate
- Minimum Credit Limit : $500
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
$59 Annual Fee, 13.99% Standard Purchase Rate
0% p.a. on Purchases and Balance Transfers for 6 months
Minimum Credit Limit of $500
Add an Additional Cardholder at no extra cost
2% Balance Transfer Fee
3% Foreign Transaction Fee
Balance Transfer Rate at the end of the offer period reverts to the Cash Advance Rate of 21.74% p.a.
Coles Low Rate MasterCard
- Specifications
- Pros & Cons
- Benefits: Introductory Interest Rate
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $60,000
- Minimum Income : $25,000
- Rewards Program: flybuys
- Points Earn Rates : 0.5 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020
Low $58 Annual Fee
Low 12.99% p.a. Interest Rate on purcahes
flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1
2.5% International Transaction Fee
Jetstar Mastercard · includes 2 listings
- Specifications
- Pros & Cons
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $50,000
- Minimum Income : $30,000
- Rewards Program: Jetstar Dollars and Qantas Frequent Flyer
Flexibility to choose between Jetstar Dollars or Qantas Frequent Flyer rewards
Low 14.99% purchase rate
No booking fees on jetstar.com
$69 annual fee after the first year
Relatively low QFF points earn rate (0.5 points per $1)
$10,000 spend required to receive a $100 Jetstar travel voucher
Skye Mastercard
- Specifications
- Pros & Cons
- Benefits: No Foreign Transaction Fee
- Minimum Credit Limit : $1,000
- Maximum Credit Limit : $50,000
- Minimum Income : $25,000
- Contactless Payments: Apple Pay
90 days Interest Free on everyday purchases
9, 12 or 15 month Interest Free Instalment Plans to choose from (minimum finance amounts apply)
No International Transaction Fees
Motion Code Technology
$99 Annual Fee
Establishment Fee for Interest Free Instalment Plans ranges from 3% - 5%
Payment Handling Fee - $0.95 charged each time a payment is made via BPAY
American Express Low Rate
- Specifications
- Pros & Cons
- Minimum Credit Limit : $1,000
- Minimum Income : $50,000
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$0 Annual Fee
Low Interest Rate of 8.99% on purchases
0% p.a. on Balance Transfers for the first 12 months
Add up to 4 Additional Cards at no extra cost
1% Balance Transfer Fee
3% Currency Conversion Fee
No attached rewards program
Commonwealth Bank Commbank Essentials
- Specifications
- Pros & Cons
- Minimum Credit Limit : $400
- Maximum Credit Limit : $3,000
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
9.90% p.a Interest Rate on Purchases
Accessible Minimum Credit Limit of $400
$5 Monthly Fee ($2 if you choose online statements and set up automatic payments using AutoPay)
3% International Transaction Fee
Maximum Credit Limit of $3,000 may be too low for you
Westpac Lite
- Specifications
- Pros & Cons
- Benefits: No Foreign Transaction Fee
- Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Variable Purchase Rate of 9.90% p.a.
No Foreign Transaction Fees
Accessible Minimum Credit Limit of $500
One Additional Cardholder at no extra cost
$9 Monthly Card Fee (equivalent to $108 each year)
No attached rewards program
Maximum Credit Limit of $4,000 may be too low for you
St.George Vertigo
- Specifications
- Pros & Cons
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
13.99% p.a. Interest Rate on purchases
0% p.a. on Balance Transfers for 16 months
3% Foreign Transaction Fee
Newcastle Permanent Value+
- Specifications
- Pros & Cons
- Minimum Credit Limit : $500
- Maximum Credit Limit : $20,000
- Contactless Payments: Apple Pay and Samsung Pay
Low 11.99% Interest Rate on Purchases, Cash Advances and Balance Transfers
Low $49 Annual Fee
Accessible Minimum Credit Limit of $500
Add up to 3 Additional Cards at no extra cost
3% Foreign Currency Conversion Fee
No attached rewards program
Bankwest Breeze Platinum Mastercard
- Specifications
- Pros & Cons
- Minimum Credit Limit : $1,000
- Maximum Credit Limit : $6,000
- Contactless Payments: Apple Pay
$0 first year Annual Fee
Low Ongoing Purchase Rate of 9.90% p.a.
0% p.a. on Balance Transfers for 6 months
No Foreign Transaction Fees
Complimentary Overseas Travel Insurance
$99 Annual Fee after your first year
No linked rewards program
NAB Low Rate Platinum
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Introductory Interest Rate
- Minimum Credit Limit : $6,000
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
0% p.a. on Purchases for 15 months (minimum monthly repayments required)
0% p.a on Balance Transfers for 6 months
Seven Complimentary Insurances, including Overseas Travel Insurance
$100 Annual Fee
2% Balance Transfer Fee
3% International Transaction Fee
ME Bank Frank Credit Card
- Specifications
- Pros & Cons
- Minimum Credit Limit : $1,000
- Minimum Income : $25,000
$0 Annual Fee
11.99% p.a. Variable Interest Rate
Accessible Minimum Credit Limit of $1,000
1.5% International Transaction Fee
0.8% Mastercard Cross-border Fee
No attached rewards program
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