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Compare low rate credit cards
Your first credit card needs to suit your financial needs. Learn the basics about how credit cards work and discover your spending profile, and then compare your options to find your first credit card at RateCity.

ANZ Low Rate
Balance Transfer
Get a 0% p.a. balance transfer rate for a 30 month promo period with no BALANCE TRANSFER FEE and $0 Annual Fee in First Year with a new ANZ Low Rate credit card.* Promo period starts when ANZ issues a Letter of Offer, not when the balance transfer is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate, currently 21.24% p.a.. T&Cs, eligibility criteria, fees and charges apply (including $58 annual fee after first year).
Purchase Rate
12.49
% p.a
Annual Fee
$0
for 12 months then $58
$20
A credit card that charges a low purchase rate and no annual fee so thrifty cardholders can keep costs down.
Product Name Card NAB Low Rate Card | Purchase Rate Purchase Rate 12.99 % p.a | Interest Free Days Interest Free Days 55 | Annual Fee Annual Fee $0 for 12 months then $59 | Late Payment Fee $15 | Go to site | Balance Transfer 0% p.a. for 32 months on balance transfers. No annual fee in the first year. | A low rate credit card that offers a high amount of interest-free days, so you can spend with peace of mind. | Highlighted |
Product Name Card ANZ Low Rate | Purchase Rate Purchase Rate 12.49 % p.a | Interest Free Days Interest Free Days 55 | Annual Fee Annual Fee $0 for 12 months then $58 | Late Payment Fee $20 | Go to site | Balance Transfer Get a 0% p.a. balance transfer rate for a 30 month promo period with no BALANCE TRANSFER FEE and $0 Annual Fee in First Year with a new ANZ Low Rate credit card.* Promo period starts when ANZ issues a Letter of Offer, not when the balance transfer is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate, currently 21.24% p.a.. T&Cs, eligibility criteria, fees and charges apply (including $58 annual fee after first year). | A credit card that charges a low purchase rate and no annual fee so thrifty cardholders can keep costs down. | |
Product Name Card St.George Bank Vertigo Visa (Balance Transfer Offer) | Purchase Rate Purchase Rate 13.99 % p.a | Interest Free Days Interest Free Days 55 | Annual Fee Annual Fee $0 for 12 months then $55 | Late Payment Fee $15 | Go to site | Balance Transfer 0% p.a. interest on balance transfers for 32 months (0% fee) + $0 first year annual Fee | ||
Product Name Card Westpac Low Rate Card (Cashback offer) | Purchase Rate Purchase Rate 13.74 % p.a | Interest Free Days Interest Free Days 55 | Annual Fee Annual Fee $59 | Late Payment Fee $15 | Go to site | Cashback Get up to $200 Cashback when you take out a new Low Rate credit card. New cards only. T&Cs and exclusions apply. |