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.

Updating your preferences
We found 56 products that match your search

Show: 10 25 50 All Results

Company Product Card Type Balance Transfer Revert Rate Annual Fee Interest Free Days Go To Site
Select up to 3 products to compare
Citibank Platinum visa 0.00% (24 months) 21.74% $199 Up to 55 Go to Site
Citibank Classic visa 0.00% (18 months) 21.74% $89 Up to 55 Go to Site
ANZ Low Rate Platinum mastercard 0.00% (16 months) 13.49% $99 Up to 55 Go to Site
ANZ Low Rate mastercard 0.00% (16 months) 13.49% $58 Up to 55 Go to Site
ANZ Platinum visa 0.00% (16 months) 19.74% $87 Up to 55 Go to Site
ANZ First visa 0.00% (16 months) 19.74% $30 Up to 44 Go to Site
nab Premium Visa Card visa 0.00% (15 months) 19.74% $90 Up to 44 Go to Site
St.George Bank Vertigo Platinum visa 0.00% (14 months) 12.74% $99 Up to 55 Go to Site
Bank of Melbourne Vertigo Platinum visa 0.00% (14 months) 12.74% $99 Up to 55 Go to Site
BankSA Vertigo Platinum visa 0.00% (14 months) 12.74% $99 Up to 55 Go to Site
St.George Bank Vertigo Visa visa 0.00% (14 months) 13.24% $55 Up to 55 Go to Site
BankSA Vertigo Visa visa 0.00% (14 months) 13.24% $55 Up to 55 Go to Site
Bank of Melbourne Vertigo Visa visa 0.00% (14 months) 13.24% $55 Up to 55 Go to Site
Virgin Money Velocity Flyer Card visa 0.00% (14 months) 20.99% $129 Up to 44 Go to Site
Suncorp Bank Platinum Card visa 0.00% (14 months) 21.99% $169 Up to 55 Go to Site
Bank of Melbourne Amplify Classic visa 0.00% (9 months) 19.49% $79 Up to 55 Go to Site
St.George Bank Amplify Classic visa 0.00% (9 months) 19.49% $79 Up to 55 Go to Site
BankSA Amplify Classic visa 0.00% (9 months) 19.49% $79 Up to 55 Go to Site
HSBC Platinum Credit Card visa 0.00% (8 months) 21.99% $0 Up to 55 Go to Site
Virgin Money No Annual Fee Credit Card visa 0.00% (6 months) 20.99% $0 Up to 44 Go to Site
Virgin Money Low Rate Credit Card visa 0.00% (6 months) 21.69% $99 Up to 44 Go to Site
Citibank Signature visa 0.00% (6 months) 21.74% $299 Up to 55 Go to Site
HSBC Credit Card visa 0.00% (6 months) 21.99% $0 Up to 55 Go to Site
HSBC Platinum Qantas Credit Card visa 0.00% (6 months) 21.99% $199 Up to 55 Go to Site
Westpac Singapore Airlines Platinum Card visa 0.99% (6 months) 19.74% $250 Up to 45 Go to Site

Showing 1 - 25 of 56 results

Show: 10 25 50 All Results

Data last updated August 1st, 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.