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See the Best Low Rate Credit Cards in 2022 as rated by Australians on ieatwords.com.au.
Pros
$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
Cons
3% International Transaction Fee
No attached rewards program
KrunalGreater Melbourne (Inner), VIC
- 4 reviews
Very good with low fees.
Very easy to use the card and also card less transactions with Comm bank. Easy to make payments and transfer money. I will recommend this card to my friends and family.
however it would be best if the card included some extra features like travel insurance (while travelling overseas) etc.
- Everyday Expenses
- Online Shopping
- Special Purchases
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The reviewer stated that an incentive was offered for this review
StephGreater Melbourne (Metropolitan), VIC
- 4 reviews
Excellent card for the budget conscious
I have held this card for more than 30 years now and I have never looked back. Its a credit card, nothing else, what you see is what you get. No frills, no rewards program, no bonus points.
But ALSO:
No annual card fee, variable credit limit, reasonable interest free period and an interest rate that compares well to other cards. I have always kept a positive balance in the card account so I have not paid any interest or incurred any costs in all the years I have had the card. I have twice had to cancel it due to unauthorised third party trans...Read more
actions after I had used the card overseas. The 24/7 support I received was excellent, with a new card issued within days each time and no financial loss i.e. instant refunds of the unauthorised transactions. I can only highly recommend this card, you get exactly the same service and benefit as you would from other cards which charge substantial fees.
- Everyday Expenses
- Online Shopping
- Overseas/Travel
- Special Purchases
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EricaO'Connor 2602, ACT
- 2 reviews
- 1 like
Credit card for first time user
I got this card after a promotion event. There is no annual fee for the first year and can be waived if you spend 1000 per year. However, the credit is pretty low so I still need to use my debit card.
- Everyday Expenses
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KatMelbourne
- 6 reviews
- 1 like
Good No Frills Card
With No annual fee on a low yearly spend this is a good no frills card if you are not interested in earning points or having any other added options.
- Everyday Expenses
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KeliAU
- 12 reviews
Pretty good
I got this card for a promotion of cashback after $500 spend, with no annual fee. It worked well for the time I used it, and I received the cashback quickly.
- Special Purchases
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The reviewer stated that an incentive was offered for this review
Great Credit Card for Everyday Use
I use this credit card for everyday grocery shopping, travel tickets. If you spend $1000 per year, the $29 annual fee is waived off. I really like this Mastercard credit card. It has high international transaction fees so not really good for international shopping.
- Everyday Expenses
- Special Purchases
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MonicaGreater Melbourne (Metropolitan), VIC
- Verified customer
Good for salary packaging purposes, but keep in mind no rewards
Essentially a no-fee credit card for me as it's easy to spend $1000 per year and have the fee waived, but it doesn't come with any rewards schemes. Useful for salary packaging living expenses on credit card repayments. I don't use this card overseas because it'd incur 3% international transaction fees. I did not transfer my balance to this card.
- Everyday Expenses
- Online Shopping
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SamSouth East Queensland, QLD
- 3 reviews
works great to purchase items locally on credit but has international transaction fees
It works great to purchase everyday items in Australia but it has international transaction fees so be careful when purchasing items from overseas online sites. It also waives annual fees when making a certain minimum amount of purchases in a year.
- Everyday Expenses
- Online Shopping
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The reviewer stated that an incentive was offered for this review
SareMelbourne
- 14 reviews
- Verified customer
Good value
Like other reviews, there are not fees if you spend over $1000 and like the name suggests it is low fee credit card. The app to navigate this card to check balance and usage is simple. Have not used it overseas, however I use it for slightly bigger purchases rather than my debit card as you get 55 days interest free period. Downside is you can't earn rewards for spending, however works out if you don't have to pay an annual fee.
- Everyday Expenses
- Online Shopping
- Special Purchases
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sugardumpling_90Sydney, NSW
- 7 reviews
- 4 likes
- Verified customer
I had this for a year and it was great
I've always banked at Commonwealth and I often get emails about their low free credit card. I signed up when they had $300 cash back offer. Since I am banking with CBA, it is very easy to pay the credit card. I can transfer the money and it's deposited right away into my credit card. Customer service care is excellent, I love their online chat.
- Everyday Expenses
- Online Shopping
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The reviewer stated that an incentive was offered for this review
HanaSydney, NSW
- 4 reviews
Good first credit card low fee.
Got this card when got my first proper job. Because of trend, everyone need a credit card etc. I recommend this for anyone that want to own a credit card when they don’t really need it. Low fees. However, interest bit high imo. Pay off every month, you good to go.
- Online Shopping
- Special Purchases
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kob2040Sydney, NSW
Fine, not great.
Pros:
• Lets you lock down international transactions, set limits.
• No annual fee if you spend more than $1000.
• Haven't had a problem with fraudulent transactions.
Cons:
• No rewards programme.
• High interest rates.
- Online Shopping
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BhattGreater Melbourne (Outer), VIC
- 6 reviews
- 2 likes
Low rate but competitive rewards
With a $59 annual fee, i am happy with this card. I normally pay outstanding amount on time. There were occasions when i could not pay on time, but bank was very good and did not charge me anything, late payment fees etc.
If you're eligible, you may get Qantas FF points linked to this card so you can benefit after spending bank's money (for 55days) and be rewarded with FF points.
- Everyday Expenses
- Online Shopping
- Overseas/Travel
- Special Purchases
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SABSGreater Melbourne (Outer), VIC
- 2 reviews
love it, so handy
It is a very handy card, with no annual fee (spending $1000 a year is just too easy), I use it for every day purchases. It's very useful to monitor my spending, and I can accumulate some interest in my savings account before I pay off the bill. When I got a charge I did not recognise I got my money back easily, within a couple of days after I made the complaint.
- Everyday Expenses
- Online Shopping
- Special Purchases
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Rob HinkleyMetropolitan Adelaide, SA
- 2 reviews
- 1 like
Best value card I’ve found!
It doesn’t have any rewards program, but does have 55 days interest free on purchases and the $39 annual fee is waived if you spend more than $1000 each year.
- Online Shopping
- Special Purchases
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Very handy for daily use
I never used this card in overseas as I am not interested in paying international charges. Also I never transferred my balance to this credit card. I use this for daily uses.
- Everyday Expenses
- Online Shopping
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The reviewer stated that an incentive was offered for this review
Good card
Able to accommodate my needs, haven’t used other credit cards but happy with this one so far. Gets 59 aud annual fee. I get a reminder for me to pay my fees on time via text which is good but can be annoying at times
- Everyday Expenses
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Santi R.Perth, WA
Great card, have no complaints!
the card does what u need it to do, no problems inside or outside Australia. Transferring money is also perfect. I've had it for 3 months now, got it just before travelling and haven't had a single issue.
- Overseas/Travel
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Karun G.Perth, WA
Great Value Card
Great Card for daily activities. Low Fees makes it better. Have this for last 3 years and never changed the mind to go with any other provider. Now with Apple Pay, it is even better
- Everyday Expenses
- Online Shopping
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BrisbeeBrisbane
- 13 reviews
- 1 like
Basic credit card with good app
Found the CBA app really user friendly compared with other banks. I haven't used this card overseas to avoid the transaction fees. The negative is that this card doesn't have any points nor international insurance so it is only good for using within Australia.
- Everyday Expenses
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