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Credit Cards News Paying too much on your credit cards? Switch to a low rate credit card

Paying too much on your credit cards? Switch to a low rate credit card

People frequently use there credit cards but incur interest as they do not pay off the full balance each month. There are a number of different credit cards designed to suit all types of spenders. If you find that you pay high interest then it might be a good idea to switch to a low rate credit card.

There are a wide range of low rate credit cards to choose from ranging between 11.89% and 15.99%. These include:
  • St George Vertigo MasterCard - comes with a competitive low rate of just 11.89% p.a. with up to 55 days interest free days, 0% p.a. on balance transfers for the first 6 months and a low annual fee of $55.
  • Aussie MasterCard - has a standard low rate of 11.99% p.a. It also features a low annual fee of $49 and up to 55 days interest free days. This credit card also offers 0% p.a. on balance transfers for the first 6 months
  • Citibank Clear credit card - offers a low rate of 12.49% p.a. As well as 55 days interest free, 0% p.a. on balance transfers for the first six months, and a generous credit limit of up to $20,000. The annual fee for this credit card is $65 p.a.
  • Nab Low Rate Credit Card – gives customers a low rate of 12.7% p.a. With 0% p.a. On balance transfers for the first 6 months and a low annual fee of just $49 p.a. It also offers up to 55 days interest free.
If you're interested in gold credit cards, St George offers a gold credit card with very competitive rates. This credit card will provide you with all of the privileges and rewards of a gold credit card, together with a low interest rate of just 14.25% p.a and days interest free. With this card you will be equip with high credit limits from $5,000, travel insurance, transit accident insurance, purchase cover and extended warranty on purchases.

If one of these low rate credit cards sounds right for you, switch now to start saving money. Compare credit cards to find the best low rate credit card for you.
Tuesday, 04 November 2008 15:29
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Top 5 Credit Cards

CardIssuerBalance TransfersPurchasesStd APR p.aAnnual FeeApply
RateDurationRateDuration
BankWest "Lite"
8 months 0% on Balance Transfers
& 10.99%p.a standard rate
0% 8 mths N/A N/A
10.99%
$59 p.a.
Apply >
More Info
St. George Vertigo
6 months 0% on Balance Transfers
& 11.89%p.a standard rate
0% 6 mths N/A N/A
11.89%
$55 p.a.
Apply >
More Info
NAB Low Rate
6 months 0% on Balance Transfers
& 12.40%p.a standard rate
0% 6 mths N/A N/A
12.4%
$49 p.a.
Apply >
More Info
Aussie Mastercard
6 months 0% on Purchases
& 11.74%p.a standard rate
N/A N/A 0% 6 mths
11.74%
$49 p.a.
Apply >
More Info
ANZ "Low Rate" Card
6 months 0% on Balance Transfers
& 11.99%p.a standard rate
0% 6 mths N/A N/A
11.99%
$58 p.a.
Apply >
More Info
Citibank Clear
6 months 0% on Balance Transfers
& 12.49%p.a standard rate
0% 6 mths N/A N/A
12.49%
$65 p.a.
Apply >
More Info
ANZ Balance
6 months 0% Balance Transfers
& Earn Reward Points
0% 6 mths N/A N/A
12.99%
$79 p.a.
Apply >
More Info
NAB Gold Card
6 months 0% on Balance Transfers
& Free Travel Insurance
0% 6 mths N/A N/A
19.24%
$90 p.a.
Apply >
More Info
NAB Standard Card
6 months 0% on Balance Transfers
& Low annual card fee of \$30p.a
0% 6 mths N/A N/A
19.24%
$30 p.a.
Apply >
More Info
Westpac Earth
Get 0.99% p.a. for up to 6 Months on selected Balance Transfers
0.99% 6 mths N/A N/A
17.99%
$75 p.a.
Apply >
Westpac Earth Gold
Get 0.99% p.a. for up to 6 Months on selected Balance Transfers
0.99% 6 mths N/A N/A
17.99%
$125 p.a.
Apply >
Westpac Earth Platinum
Get 0.99% p.a. for up to 6 Months on selected Balance Transfers
0.99% 6 mths N/A N/A
17.99%
$250 p.a.
Apply >
Citibank BP Mastercard
5% off your petrol at BP
& 1% Cash Back elsewhere
2.90% 12 mths N/A N/A
19.89%
$79 p.a.
Apply >
More Info
Citibank Ready Credit
6 months 2.9% on Balance Transfers
& 17.99%p.a standard rate
2.90% 6 mths N/A N/A
17.99%
$0 p.a.
Apply >
More Info
St. George Platinum
6 months 3.99% Balance Transfers
& 14.25%p.a standard rate
3.99% 6 mths N/A N/A
14.25%
$89 p.a.
Apply >
More Info
CommonWealth 'Low Rate' Card
12.24%p.a standard rate &
A low annual card fee of \$48p.a
5.99% 5 mths N/A N/A
12.24%
$48 p.a.
Apply >
More Info
Woolworths Credit Card
6 months 5.99% on Balance Transfers
& Reward points when you spend
5.99% 6 mths N/A N/A
18.99%
$49 p.a.
Apply >
More Info
NAB Visa Mini
6 months 5.99% Balance Transfers
& 18.99%p.a standard rate
5.99% 6 mths N/A N/A
18.99%
$24 p.a.
Apply >
More Info
CommonWealth 'Low Fee' Card
5 months 5.99% Balance Transfers
& No Annual Fee if you spend £1000+p.a
5.99% 5 mths N/A N/A
18.99%
$0 p.a.
Apply >
More Info
Commonwealth Gold
5 months 5.99% Balance Transfers
& 19.74%p.a standard rate
5.99% 5 mths N/A N/A
19.74%
$114 p.a.
Apply >
More Info
Commonwealth Platinum
5 months 5.99% Balance Transfers
& 19.74%p.a standard rate
5.99% 5 mths N/A N/A
19.74%
$200 p.a.
Apply >
More Info
Commonwealth Awards
5 months 5.99% Balance Transfers
& 19.74%p.a standard rate
5.99% 5 mths N/A N/A
19.74%
$59 p.a.
Apply >
More Info
ANZ Gold
6 months 7.99% on Balance Transfers
& 18.24%p.a standard rate
7.99% 6 mths N/A N/A
18.24%
$87 p.a.
Apply >
More Info
ANZ First Card
6 months 7.99% on Balance Transfers
& 18.24%p.a standard rate
7.99% 6 mths N/A N/A
18.24%
$30 p.a.
Apply >
More Info
Citibank Personal Credit
7.99% on Balance Transfers for life
& 14.99%p.a standard rate
7.99% For Life N/A N/A
14.99%
$65 p.a.
Apply >
More Info
St. George No Annual Fee
18.75%p.a standard rate
& No Annual Fee
N/A N/A N/A N/A
18.75%
$0 p.a.
Apply >
More Info
St. George Starts Low - Stays Low
12.99%p.a standard rate on all
purchases including cash advances
N/A N/A N/A N/A
12.99%
$69 p.a.
Apply >
More Info

Introductory Offer

Balance Transfer Rate:
0% p.a. 8 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
10.99% p.a.
Balance Transfers:
10.99% p.a.
Cash Advance:
20.49% p.a.
Annual Fee:
$59 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • & have an Earned Taxable Income of over \$20,000.pa

Introductory Offer

Balance Transfer Rate:
0% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
11.89% p.a.
Balance Transfers:
11.89% p.a.
Cash Advance:
20.49% p.a.
Annual Fee:
$55 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Introductory Offer

Balance Transfer Rate:
0% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
12.4% p.a.
Balance Transfers:
12.4% p.a.
Cash Advance:
19.99% p.a.
Annual Fee:
$49 p.a.

Standard Features

Credit Limit:
Minimum $500
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You are NOT Self-employed
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You DO NOT have an RMB/RSD (Roadside Mailbox or Roadside Delivery)as the only form of street address

Introductory Offer

Balance Transfer Rate:
N/A
Purchase Rate:
0% p.a. 6 mths

Standard Rates

Purchases:
11.74% p.a.
Balance Transfers:
11.99% p.a.
Cash Advance:
17.99% p.a.
Annual Fee:
$49 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over \$15,000.pa
  • If you are NOT permanent resident/citizen of Australia you must have an Income of over \$50,000.pa

Introductory Offer

Balance Transfer Rate:
0% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
11.99% p.a.
Balance Transfers:
11.99% p.a.
Cash Advance:
19.99% p.a.
Annual Fee:
$58 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over \$15,000.pa

Introductory Offer

Balance Transfer Rate:
0% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
12.49% p.a.
Balance Transfers:
12.49% p.a.
Cash Advance:
20.74% p.a.
Annual Fee:
$65 p.a.

Standard Features

Credit Limit:
$20,000
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over \$20,000.pa

Introductory Offer

Balance Transfer Rate:
0% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
12.99% p.a.
Balance Transfers:
12.99% p.a.
Cash Advance:
19.99% p.a.
Annual Fee:
$79 p.a.

Standard Features

Credit Limit:
$15,000
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over \$15,000.pa

Introductory Offer

Balance Transfer Rate:
0% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.24% p.a.
Balance Transfers:
19.24% p.a.
Cash Advance:
19.24% p.a.
Annual Fee:
$90 p.a.

Standard Features

Credit Limit:
Minimum $5000
Interest Free Days:
Up to 44 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You are NOT Self-employed
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You DO NOT have an RMB/RSD (Roadside Mailbox or Roadside Delivery) as the only form of street address
  • You have an Income of over \$50,000 p.a

Introductory Offer

Balance Transfer Rate:
0% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.24% p.a.
Balance Transfers:
19.24% p.a.
Cash Advance:
19.24% p.a.
Annual Fee:
$30 p.a.

Standard Features

Credit Limit:
Minimum $500
Interest Free Days:
Up to 44 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You are NOT Self-employed
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You DO NOT have an RMB/RSD (Roadside Mailbox or Roadside Delivery) as the only form of street address

Introductory Offer

Balance Transfer Rate:
0.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
17.99% p.a.
Balance Transfers:
17.99% p.a.
Cash Advance:
19.24% p.a.
Annual Fee:
$75 p.a.

Standard Features

Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over \$15,000.pa

Introductory Offer

Balance Transfer Rate:
0.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
17.99% p.a.
Balance Transfers:
17.99% p.a.
Cash Advance:
19.24% p.a.
Annual Fee:
$125 p.a.

Standard Features

Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over \$15,000.pa

Introductory Offer

Balance Transfer Rate:
0.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
17.99% p.a.
Balance Transfers:
17.99% p.a.
Cash Advance:
19.24% p.a.
Annual Fee:
$250 p.a.

Standard Features

Interest Free Days:
Up to 45 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over \$15,000.pa

Introductory Offer

Balance Transfer Rate:
2.90% p.a. 12 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.89% p.a.
Balance Transfers:
19.89% p.a.
Cash Advance:
19.89% p.a.
Annual Fee:
$79 p.a.

Standard Features

Credit Limit:
£25,000
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over \$20,000.pa

Introductory Offer

Balance Transfer Rate:
2.90% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
17.99% p.a.
Balance Transfers:
17.99% p.a.
Cash Advance:
17.99% p.a.
Annual Fee:
$0 p.a.

Standard Features

Credit Limit:
$25,000
Interest Free Days:
Up to 0 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over \$20,000.pa

Introductory Offer

Balance Transfer Rate:
3.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
14.25% p.a.
Balance Transfers:
14.25% p.a.
Cash Advance:
20.49% p.a.
Annual Fee:
$89 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 5 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
12.24% p.a.
Balance Transfers:
12.24% p.a.
Cash Advance:
19.99% p.a.
Annual Fee:
$48 p.a.

Standard Features

Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over \$15,000.pa

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
18.99% p.a.
Balance Transfers:
18.99% p.a.
Cash Advance:
21.99% p.a.
Annual Fee:
$49 p.a.

Standard Features

Interest Free Days:
Up to 56 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
18.99% p.a.
Balance Transfers:
18.99% p.a.
Cash Advance:
18.99% p.a.
Annual Fee:
$24 p.a.

Standard Features

Credit Limit:
Minimum $500
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You are NOT Self-employed
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You DO NOT have an RMB/RSD (Roadside Mailbox or Roadside Delivery)as the only form of street address

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 5 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
18.99% p.a.
Balance Transfers:
18.99% p.a.
Cash Advance:
20.74% p.a.
Annual Fee:
$0 p.a.

Standard Features

Interest Free Days:
Up to 0 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over \$15,000.pa

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 5 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.74% p.a.
Balance Transfers:
19.74% p.a.
Cash Advance:
20.74% p.a.
Annual Fee:
$114 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over \$50,000.pa

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 5 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.74% p.a.
Balance Transfers:
20.14% p.a.
Cash Advance:
20.14% p.a.
Annual Fee:
$200 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over \$50,000.pa

Introductory Offer

Balance Transfer Rate:
5.99% p.a. 5 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
19.74% p.a.
Balance Transfers:
19.74% p.a.
Cash Advance:
20.74% p.a.
Annual Fee:
$59 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over \$15,000.pa

Introductory Offer

Balance Transfer Rate:
7.99% p.a. 6 mths
Purchase Rate:
N/A

Standard Rates

Purchases:
18.24% p.a.
Balance Transfers:
18.24% p.a.
Cash Advance:
19.24% p.a.
Annual Fee:
$87 p.a.

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
Up to 55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over \$50,000.pa
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