Best Low Rate Credit Cards

$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

3% International Transaction Fee

6 Months Interest Free on purchases over $250 with participating retailers

$99 Annual Fee

3% International Transaction Fee

Payment Handling Fees ($0.95 online, $2.50 in person)

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

$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)

3% International Transaction Fee

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

3% Foreign Transaction Fee

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

3% International Transaction Fee

No attached rewards program

$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

3% Balance Transfer Fee

No Annual Fee

Set up instalment payments for a reduced rate

$59 Annual Fee, 13.99% Standard Purchase Rate

0% p.a. on Purchases and Balance Transfers for 6 months

Minimum Credit Limit of $500

2% Balance Transfer Fee

3% Foreign Transaction Fee

0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020

Low $58 Annual Fee

flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1

Flexibility to choose between Jetstar Dollars or Qantas Frequent Flyer rewards

Low 14.99% purchase rate

$69 annual fee after the first year

Relatively low QFF points earn rate (0.5 points per $1)

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

$99 Annual Fee

Establishment Fee for Interest Free Instalment Plans ranges from 3% - 5%

$0 Annual Fee

Low Interest Rate of 8.99% on purchases

0% p.a. on Balance Transfers for the first 12 months

1% Balance Transfer Fee

3% Currency Conversion Fee

9.90% p.a Interest Rate on Purchases

$5 Monthly Fee ($2 if you choose online statements and set up automatic payments using AutoPay)

3% International Transaction Fee

Variable Purchase Rate of 9.90% p.a.

No Foreign Transaction Fees

Accessible Minimum Credit Limit of $500

$9 Monthly Card Fee (equivalent to $108 each year)

No attached rewards program

13.99% p.a. Interest Rate on purchases

Low 11.99% Interest Rate on Purchases, Cash Advances and Balance Transfers

Low $49 Annual Fee

Accessible Minimum Credit Limit of $500

3% Foreign Currency Conversion Fee

$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

$99 Annual Fee after your first year

0% p.a. on Purchases for 15 months (minimum monthly repayments required)

0% p.a on Balance Transfers for 6 months

$100 Annual Fee

2% Balance Transfer Fee

$0 Annual Fee

11.99% p.a. Variable Interest Rate

1.5% International Transaction Fee

0.8% Mastercard Cross-border Fee