Credit Card Comparison Table
| Credit Card | Card Details | Interest Rate P.A. | Balance Transfer Interest Rate P.A. | Annual Fee | Interest Free Days | Cash Advance Rate P.A | Apply Online |
|---|---|---|---|---|---|---|---|
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St George Vertigo | 2.99% p.a. for 6 months | 2.99% p.a. for 6 months then reverts to variable purchases rate (currently 11.99%) | $55 | up to 55 days | 20.49% | St George Vertigo Information Apply |
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Aussie Mastercard | 2.99% p.a. for 6 months | 2.99% p.a.for 6 months then reverts to variable purchases rate (currently 12.29%) | $49 | up to 55 days | 18.79% | Aussie Mastercard Information Apply Now |
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Bankwest Lite | 9.99% p.a. | 1.99% for 12 months then reverts to variable purchases rate (currently 9.99%) | $59 | up to 55 days | 20.99% | Bankwest Lite Information Apply Now |
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ANZ Low Rate | 12.74% p.a. | 0% p.a.for first 6 months then reverts to variable purchases rate (currently 12.74%) | $58 | up to 55 days | 20.99% | ANZ Low Rate Information Apply Now |
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ANZ Balance | 13.74% p.a | 0% p.a. for 6 months then reverts to variable purchases rate (currently 13.74%) | $79 | up to 55 days | 20.99% | ANZ Balance Information Apply Now |
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Westpac Low Rate | 12.49% p.a | 1.99% p.a for 9 months then reverts to variable purchaes rate (currently 12.49%) |
$45 | up to 55 days | 20.49% | Westpac Low Rate Information Apply Now |
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Macquarie Rate Saver Credit Card | 12.70%p.a | 0% p.a. for 4 months then reverts to variable purchases rate (currently 12.70%) | $50 | up to 55 days | 19.70% | Macquarie Rate Saver Information Apply Now |
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Citibank Clear Platinum | 11.49% p.a. | 0.99% p.a. for 6 months then reverts to variable cash advance rate (currently 20.99%) |
$49 | up to 55 days | 20.99% | Citibank Clear Platinum Apply Now |
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CBA Low Rate | 12.49% p.a | 5.99% p.a for 5 months then reverts to variable cash advance rate (currently 20.74%) |
$78 | up to 55 days | 20.74% | C/Wealth Low Rate Information Apply Now |
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NAB Low Rate | 0% p.a. for 6 months | 4.99% p.a. for 6 months then reverts to variable cash advance rate (currently 20.74%) |
$49 | up to 55 days | 20.74% | NAB Low Rate Information Apply Now |
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HSBC Credit Card | 16.99% p.a | 5.99% p.a. for 6 months then reverts to variable cash advance rate (currently 19.99%) |
$0 | up to 55 days | 19.99% | HSBC Credit Card Information Apply Now |
The Best Credit Card For You
The table above encourages you to compare the best low interest rate credit cards in Australia. We’ve made assumptions about what the best credit card for you may be based on the alarming statistics of Australia’s growing personal credit card debt. If you would like to apply for a Gold, Platinum or Rewards card you can do so by clicking here: Compare Rewards Cards
Lastest Credit Card Articles
ANZ 1.6 Billion Dollar Profit “A Cracker” of a Result
ANZ Bank’s share price rose 4 percent on Friday. The rally came after CEO Mike Smith unveiled a 16 per cent surge in the company’s underlying earnings for the first quarter of the 2010 financial year.
CLSA banking analyist Brian Johnson said “it was a cracker” of the result. He said it “mirrors the improving trend in the sector that was evidentin the Westpac and Commonwealth Bank profits announced earlier this month.”
6 Tips To Secure The Best Credit Card Interest Rate
1. First and foremost find out what your credit rating is.Your credit file is one of the most important documents in your life and it is imperative that you know exactly what written on that report. You might be shocked to find that there are notes, errors or small problems that you can clear. If this is the case it may take some time and a few phone calls to get it all sorted out but it is absolutely essential that you do so. In the long run it can save you a lot of money. Request your credit report online
Save Money by Avoiding Credit Card Fees
Below are our top tips to avoid paying unnecessary additional funds to your credit card lender in the form of fees and charges.
1. Avoid using your credit card’s cash advance facility. Make sure you keep enough cash in your savings account to avoid the emergency cash advance. Getting a cash advance on your credit card will see you slapped with a significantly higher fee than the fees associated with purchases. It’s also important to remember that the typical cash advance interest rate p.a. on even the best Australian credit cards is likely to be around 20% and cash advances usually do not have interest free days. Avoid the cash advance at all costs!
3 Easy To Follow Tips to Start Reducing Credit Card Debt
1. Add up your total debt, write it on a couple of pieces of paper and stick it in prominent places where you will see it everyday. Your computer screen, refrigerator, bathroom mirror, and steering wheel are all good places. Seeing the figure every day will help you face the reality of the debt. It will also motivate you to pay out your credit card debt and encourage you to consider the necessity of purchases before you make them in future.
