Compare Low rate credit cards

Find a great low rate credit card deal. Compare features on 18 Low rate credit cards from 14 providers, including Westpac, NAB, HSBC, Citibank, and apply direct.

Just keep in mind when comparing low rate credit cards on MoneyBuddy that although we list a number of cards and features, we may not have every every low rate card listed or every feature available to compare.

The list below is not to be taken as a recommendation or an endorsement of any product or provider. We do not have any details of your personal circumstances and therefore are unable to make a recommendation as to which product might be most suitable for you. The information is presented to you so that you may make a decision based on your personal circumstances. The information in the list is presented randomly.

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All product information comes from the product provider or an affiliate and to the best of our knowledge is correct at time of publishing. MoneyBuddy and Deal Group Media Pty Ltd (Australian Credit Licence number 413224) endeavour to keep product information up to date however we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. We recommend that you check the accuracy of all information provided on this website with the product provider. MoneyBuddy and Deal Group Media Pty Ltd earn a referral fee from redirecting website users to a product provider's website. Further details are provided in relation to specific product information. Website users have no obligation to apply for a product or service that they may be referred to by this website.

Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Choosing A Low Rate Credit Card

A low rate credit card is one that offers a lower level of interest on purchases compared to most credit cards. A low rate card is beneficial to shoppers who sometimes or regularly carry an outstanding balance on their card. By reducing your credit card interest rate, you could repay your credit card debts sooner and save a significant amount of money.

Some low rate credit cards provide more than just attractive interest rates as they may also have low balance transfer offers and rewards programs. And of course when comparing any credit card offer, the interest rate is not the only important consideration. Other important factors include the annual fee, the number of interest free days, balance transfer offers, the value of a rewards program (if there is one) and the customer service of the financial institution.

Low rate credit cards are not a solution to all your financial problems. They solve a specific problem in keeping your interest rates as low as can be expected on a credit card. But they won't solve the problems of over-spending, lack of budgeting, having no money and a general absence of financial discipline. So getting a low rate card might be better than your current credit card, but don't expect it to solve all your financial worries. You may discover that whilst it's a comparably low rate of interest for a credit card, consumer finance interest rates are not cheap.

There are several benefits of having a low rate credit card illustrated above, and also some caveats. Knowing what features on a credit card are most important to you will help you make the right choice to suit your circumstances.

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