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Best Low Rate Credit Cards

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31 listings

Commonwealth Bank Low Rate Gold

Commonwealth Bank Low Rate Gold

3.4 from 8 reviews
Purchase Rate13.24% p.a.
Annual Fee$89 p.a.
Interest Free Period 55 days
  • 0% p.a. on purchases for 15 months



  • Relatively low 13.24% purchase interest rate

  • Included International Travel Insurance

  • 3% International Transaction Fee

  • No attached rewards program



  • Transparency
    3.2 (5)
  • Rewards
    2.0 (1)
  • Online Experience
    4.4 (5)
  • Customer Service
    3.6 (5)
  • Rates and Fees
    3.4 (5)
  • Application Process
    3.4 (5)
  • BenefitsComplimentary Travel Insurance and Introductory Interest Rate
  • Minimum Credit Limit $4,000
  • Maximum Credit Limit $50,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Introductory Rate 0% p.a. on purchases for 15 months
Citibank Citi Clear Platinum

Citibank Citi Clear Platinum

3.3 from 7 reviews
Purchase Rate14.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • No Annual Fee in your first year

  • 0% p.a. for 9 months on purchases and balance transfers

  • Low Purchase Rate of 14.99% p.a.

  • Complimentary Purchase Cover and Extended Warranty Insurance



  • $99 Annual Fee after your first year

  • 3.4% International Transaction Fee

  • No attached rewards program

  • Transparency
    4.0 (2)
  • Online Experience
    4.0 (2)
  • Customer Service
    3.5 (2)
  • Rates and Fees
    4.0 (1)
  • Application Process
    4.0 (2)
  • BenefitsReduced First Year Annual Fee
  • Maximum Credit Limit $100,000
  • Minimum Income $35,000
  • Rewards ProgramCiti Rewards
  • Contactless PaymentsApple Pay and Samsung Pay
  • Introductory Rate 0% p.a. for the first 9 months
  • Reduced First Year Annual Fee $99
Bank of Queensland Low Rate Visa

Bank of Queensland Low Rate Visa

3.0 from 1 review
Purchase Rate13.49% p.a.
Annual Fee$55 p.a.
Interest Free Period 55 days
  • Relatively low 13.49% p.a. Interest Rate on purchases and $55 Annual Fee

  • 0% p.a. on Balance Transfers for 14 months

  • 3.4% International Transaction Fee

  • No attached rewards program

  • Minimum Income $25,000
  • Contactless PaymentsSamsung Pay
  • Introductory Rate 0% p.a. for 14 months
HSBC Low Rate Credit Card

HSBC Low Rate Credit Card

2.7 from 3 reviews
Purchase Rate12.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Low Interest Rate of 12.99% p.a. on purchases

  • No Overseas Transaction Fees

  • 0% p.a. on Balance Transfers for 20 months

  • Complimentary Domestic Travel Insurance

  • Accessible Minimum Credit Limit of $1,000

  • $99 Annual Fee

  • 2% Balance Transfer Fee

  • No attached rewards program

  • Transparency
    2.3 (3)
  • Rewards
    1.0 (1)
  • Online Experience
    2.0 (3)
  • Customer Service
    2.7 (3)
  • Rates and Fees
    2.7 (3)
  • Application Process
    2.5 (2)
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit $1,000
  • Minimum Income $20,000
  • Contactless PaymentsApple Pay and Google Pay
Suncorp Clear Options Standard

Suncorp Clear Options Standard

2.3 from 7 reviews
Purchase Rate12.74% p.a.
Annual Fee$55 p.a.
Interest Free Period 0 days
  • Relatively low standard Interest Rate of 12.74% p.a. on purchases

  • NIL interest free days on purchases

  • 3.4% International Transaction Fee

  • No attached rewards program

  • Transparency
    5.0 (1)
  • Online Experience
    5.0 (1)
  • Customer Service
    5.0 (1)
  • Rates and Fees
    5.0 (1)
  • Application Process
    5.0 (1)
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $20,000
  • Minimum Income $20,000
  • Contactless PaymentsSamsung Pay
BankWest Low Rate Business Mastercard

BankWest Low Rate Business Mastercard

1.0 from 1 review
Purchase Rate11.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • 11.99% p.a. Interest Rate on Purchases, Balance Transfers and Cash Advances

  • Add up to 3 Additional Cardholders under one monthly account

  • $99 Annual Fee

  • 2.95% Foreign Transaction Fee

  • Transparency
    1.0 (1)
  • Rewards
    1.0 (1)
  • Online Experience
    1.0 (1)
  • Customer Service
    1.0 (1)
  • Rates and Fees
    3.0 (1)
  • Application Process
    1.0 (1)
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $25,000
  • Contactless PaymentsApple Pay and Google Pay
Virgin Money Low Rate

Virgin Money Low Rate

1.0 from 4 reviews
Purchase Rate11.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 44 days
  • Purchase Rate of 11.9% p.a.

  • $49 Annual Fee

  • 0% p.a. for the first 14 months on Balance Transfers

  • 3.3% International Transaction Fee

  • Balance Transfers revert to a high Cash Advance Rate of 21.69% after the offer period ends

  • You can't earn Velocity Points even though this card is issued by Virgin

  • Transparency
    1.0 (1)
  • Rewards
    4.0 (1)
  • Online Experience
    4.0 (1)
  • Customer Service
    1.0 (1)
  • Rates and Fees
    1.0 (1)
  • Application Process
    3.0 (1)
  • BenefitsCashback Offer
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Contactless PaymentsSamsung Pay
St.George Vertigo Platinum

St.George Vertigo Platinum

No reviews
Purchase Rate12.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Discounted first year $49 Annual Fee

  • 12.99% p.a. Interest Rate on purchases

  • 0% p.a. on purchases for 15 months

  • Complimentary Overseas Travel Insurance and Extended Warranty Insurance

  • 3% Foreign Exchange Fee

  • $99 Annual Card Fee after your first year

  • BenefitsComplimentary Travel Insurance, Introductory Interest Rate and Reduced First Year Annual Fee
  • Contactless PaymentsApple Pay and Samsung Pay
  • Introductory Rate 0% p.a. for 15 months
Bankwest Breeze Classic Mastercard

Bankwest Breeze Classic Mastercard

No reviews
Purchase Rate9.90% p.a.
Annual Fee$79 p.a.
Interest Free Period 55 days
  • $0 first year Annual Fee

  • Low Ongoing Purchase Rate of 9.90% p.a.

  • 0% on Balance Transfers for 6 months

  • Accessible Minimum Credit Limit of $1,000

  • $79 Annual Fee after your first year

  • 2.95% Foreign Transaction Fee

  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $1,000
  • Contactless PaymentsApple Pay and Google Pay
  • Reduced First Year Annual Fee $0
St.George BusinessVantage Visa

St.George BusinessVantage Visa

No reviews
Purchase Rate9.99% p.a.
Annual Fee$55 p.a.
Interest Free Period 55 days
  • Low variable rate of 9.99% p.a. on purchases (new cards only)

  • Add up to 9 Additional Cardholders with individual card limits

  • Joint and Several Liability

  • Complimentary insurance against unauthorised transactions

  • 3% Foreign Transaction Fee

  • $55 Annual Fee per card

  • Contactless PaymentsGoogle Pay
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