Low Rate Cards

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Low Rate Cards

Low rate credit cards appeal to the masses as it offers a way for people to spend more but pay back less. To find some of the best low rate credit cards you can search, compare and apply, right here, at RateCity.

As the name implies, a low rate credit card offers a lower interest rate than standard cards. But in order to reap the benefits of a low rate you need to be a certain type of spender.

While big spenders would get more benefit from higher rate credit cards, offering great reward programs, a low rate card is better suited for the budget conscious and everyday spender who struggles to pay off their credit card debt each month and are regularly incurring interest.

While low rate credit cards attract consumers with attractive interest rates, 0% balance transfers and special introductory periods, in a trade-off you may have to forgo some other features such as reward programs and free insurance.

To review your options and weigh up the best course of action for your next credit card, make sure you compare a range of low rate credit cards and consider these factors below;

  • Most low rate credit cards offer a lower rate during an introductory period so it’s important to find out when that period expires and what the revert rate is. Generally the revert interest rate is higher than standard credit card rates so it’s important to take this into consideration.

  • If you are considering a low rate balance transfer, to help u consolidate your debt or pay it off sooner, but you still may need to make a few credit card purchases, then make sure you ask what the purchase interest rate is, as it is usually higher.

  • If you are trying to pay off your debt in the fastest and most cost-effective way, then you should check how many 'interest free' days you receive, so you can pay off the balance during this time.

Search and you shall find some of the best low rate credit card deals below.

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We found 60 products that match your search

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Company Product Card Type Interest Rate Annual Fee Interest Free Days Go To Site
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Virgin Money Low Rate Credit Card visa 10.99% Ongoing $99 Up to 44 Go to Site
bcu Classic Visa Card visa 11.8% Ongoing $40 Up to 55 Go to Site
St.George Bank Vertigo Platinum visa 12.74% Ongoing $99 Up to 55 Go to Site
Bank of Melbourne Vertigo Platinum visa 12.74% Ongoing $99 Up to 55 Go to Site
BankSA Vertigo Platinum visa 12.74% Ongoing $99 Up to 55 Go to Site
St.George Bank Vertigo Visa visa 13.24% Ongoing $55 Up to 55 Go to Site
BankSA Vertigo Visa visa 13.24% Ongoing $55 Up to 55 Go to Site
Bank of Melbourne Vertigo Visa visa 13.24% Ongoing $55 Up to 55 Go to Site
Westpac Low Rate Visa Card visa 13.49% Ongoing $45 Up to 55 Go to Site
ANZ Low Rate mastercard 13.49% Ongoing $58 Up to 55 Go to Site
Commonwealth Bank Low Rate MasterCard mastercard 13.49% Ongoing $78 Up to 55 Go to Site
ANZ Low Rate Platinum mastercard 13.49% Ongoing $99 Up to 55 Go to Site
Commonwealth Bank Low Rate Gold MasterCard mastercard 13.49% Ongoing $120 Up to 55 Go to Site
nab Low Rate Card visa 13.99% Ongoing $59 Up to 55 Go to Site
bcu Visa Bonus Rewarder visa 16.8% Ongoing $40 Up to 55 Go to Site
HSBC Credit Card visa 17.99% Ongoing $0 Up to 55 Go to Site
ANZ Rewards visa 18.79% Ongoing $89 Up to 44 Go to Site
ANZ Rewards Platinum visa 18.79% Ongoing $149 Up to 55 Go to Site
Virgin Money No Annual Fee Credit Card visa 18.99% Ongoing $0 Up to 44 Go to Site
St.George Bank Amplify Classic visa 19.49% Ongoing $79 Up to 55 Go to Site
Bank of Melbourne Amplify Classic visa 19.49% Ongoing $79 Up to 55 Go to Site
BankSA Amplify Classic visa 19.49% Ongoing $79 Up to 55 Go to Site
Commonwealth Bank Low Fee MasterCard mastercard 19.74% Ongoing $24 Up to 55 Go to Site
nab Low Fee MasterCard mastercard 19.74% Ongoing $30 Up to 44 Go to Site
ANZ First visa 19.74% Ongoing $30 Up to 44 Go to Site

Showing 1 - 25 of 60 results

Show: 10 25 50 All Results

Data last updated August 20th, 2014

Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Read our detailed disclosure here.