Best Australian Credit Deals with Competitive Rates

Bestratecreditcards.com.au is a free credit card comparison website with relevant information on Australia’s lowest and cheapest credit cards to use. With great credit card deals with easy to understand articles and inclusion of interest rates and features, you will know what different credit cards offer and how much they cost you up front. We are Australian own and operated website and only focus on the Australian credit card market.

If you're choosing your very first credit card to planning to get a balance transfer, find a credit card that's right for you. Review credit cards by low interest rates, low annuals fees, savings with balance transfers, or more points with rewards. Get the best frequent flyer credit card earning the most points, find a Gold credit card with the best features or find the lowest interest rate credit card and save money on all your purchases.

Best Rate Credit Card Choices

	Purchase % p.a.	Annual Fee	Balance Transfer
Citibank Clear Platinum Card Apply now and get 0.99% on balance transfer for 6 months. - more >>	11.49%	$99.00	0.99% 6 mths
Aussie MasterCard 2.99% p.a. on purchases for the 1st 6 months! - more >>	11.99%	$49.00	2.99% 6 mths
StGeorge Vertigo MasterCard Low variable rate on purchases - just 11.99%p.a. - more >>	11.99%	$55.00	2.99% 6 mths

Low interest credit cards offer you the best in interest rates when purchasing products and services but charge a higher cash advance rate. With all the competition in the low interest credit card market, you can get a substantially lower interest rate compared to general credit cards, sometimes as much as 10% difference. Low interest credit cards suit people, who make many purchases, don’t pay off their credit card balance in full within interest free periods and use their card like revolving credit line. It’s very convenient to charge life’s recurring bills like power bills, water rate, gas charges, and insurance premiums on a low rate credit card to simplify payments.

Balance transfer credit cards make switching cards simple, with competition between credit card providers increasing, you can get a better interest rate compare to the credit card you currently use. Balance transfer allows you to move any balances owing on another card and help you organize your repayments, especially when you combine multiple credit cards into one. You can use our interest rate calculator too see what you can save buy making the switch.

Low Annual Fee credit cards offer all the facilities of other credit cards except card providers don’t charge you for using them directly. Banks make money of the interest charges they attract which is generally more interest compared to lower rate cards. No fee credit cards suit people with good repayment habits who don’t attract interest charges too often because they repay on time and therefore minimizing costs.

Interest free credit cards are normal credit cards with interest free days applied to purchases. They enable you to repay any purchases within a specified time frame without acquiring interest’s charges. Most credit cards have this benefit but the interest free period generally applies to credit cards with no outstanding balance and if you have money owing past the initial interest free period it won’t apply to later purchases.

Reward credit cards are incentivized cards which reward you for spending. Rewards can vary greatly between providers but generally rewards are returned in the form of Frequent Flyers or Air fares, shopping vouchers and shopping discounts, cash back or other savings for you. The interest rates are usually higher for rewards credit cards but there are a few exceptions. Rewards credit cards benefit people who can arrange substantial spending either for business or personal use, that way reward points build up faster.

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March Card Promotions
	Woolworths Everyday Money Credit Card 18.74% Enjoy a great rewards program that gives you real value rewards, simply by using the credit card on your everyday shopping.
	Citibank Clear Platinum Card 11.49% Apply now and get 0.99% on balance transfer for 6 months.
	Aussie MasterCard 11.99% 2.99% p.a. on purchases for the 1st 6 months!
	ANZ First Visa Card 18.49% enjoy $0 Annual Account Fee for the first 12 months