Best Rate Credit Cards, Looking for a credit card?

Compare Australian credit cards, you can apply online.

Best rate credit cards is an Australian lowest interest rate credit cards comparison website. Browse and you will discover many different credit cards that can save you on interest and repayments by giving you a better deal. Use the credit card interest calculator to compare your credit card to a best rate credit card to find out exactly what you stand to save, you should know what you are paying for on your credit card each day, month and year.

If you want to switch credit cards and get a better deal on interest and fees, a balance transfer will help you transfer your debt between lenders.

	Purchase % p.a.	Annual Fee	Interest Free	Balance Transfer
Low Rate MasterCard 0% p.a. on purchases for the first 3 months	13.24% p.a.	$58.00	up to 55 days	-
StGeorge Vertigo MasterCard 2.99% p.a. balance transfer rate for up to 6 months!	13.24% p.a.	$55.00	up to 55 days	2.99% p.a. for 6 mths
ANZ First Visa 0% p.a. for the first 3 months	19.24% p.a.	$30.00	up to 44 days	-
ANZ Frequent Flyer Platinum Receive 20,000 Bonus Qantas Frequent Flyer points	19.74% p.a.	$295.00	up to 55 days	-
Virgin Flyer Credit Card You'll earn 1 Velocity Point per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2 spent.	20.99% p.a.	$99.00	up to 44 days	0% p.a. for 6 mths

How do you apply for a credit card?
When you begin an online credit card application, you will be asked to provide personal information. The types of information the banks will require from you are your identity details, employment history, financial situation and any other credit cards you might have. All applications are secures behind an encrypted web page between your computer and the banks servers so your information is kept safe. The outcome of your credit card application will depend on the information you provide. You will be accepted if you meet all the requirements the banks set out in the application. If you dont get accepted for a credit card and you really need the pay for things through the credit card payment facility, you will should accepted for a direct debit card.

What is a balance transfer?
A balance transfer is a feature of a new credit card which applies to the beginning period of its life. During the balance transfer period a lower interest rate is applied to debt, often for 6 months or more.

If you have a credit card, you could be paying too much in interest and fees. Australian's don’t often move credit cards because they find it convenient to stay where they are. Even though they know they could be saving money with a different card. A comparison website is designed to show you other credit cards available which perform better in different areas like low interest or fees. If your looking for a credit card or never seen the need to check out other credit cards, you should check out our full list of credit cards and compare. Just get the idea of what credit cards are out there then click on the different pages to see credit cards in other categories, Low Interest, Low Fees, Balance transfers and much more.

Know what your spending and repayment habit is, you can compare credit card features and calculate how much it will cost you. If you don’t repay your credit card debt in full every month p then low interest rate credit cards are probably right for you. If you do repay the full amount off your credit card every month, you can benefit from rewards, frequent flyer or premium service credit card features which have higher interest rates.

If you're choosing your very first credit card or are planning to get a balance transfer, we can show you some types of credit cards available. Match credit cards by there interest rates, annuals fees, balance transfers, rewards and more. If you like frequent flyer points, find a rewards credit card program with the features you desire. Whatever type of credit card you need, we can show you some great references.

Selecting a Credit Card?
Something’s you should consider when choosing your credit card:

Consider other Lenders, they may offer better deals than your current bank?
Low interest cards or Rewards? Only choose a credit card with features that you will use!

What will your repayments be?
Find out how much a credit card will cost you? Use the credit card interest calculator to learn the average amount your likely to spend with your anticipated credit card balance.

Work out your debt repayment plan?
Need to work out your repayment options? Our credit card repayment calculator will show you how long it will take to repay your credit card debt given a weekly repayment amount you can comfortably afford. Calculate the interest and time it will take to lower the credit card debt.

Information & Articles

ANZ Low Rate MasterCard Review

The ANZ low interest rate credit card is called the ‘ANZ Low Rate MasterCard‘ and it offers you a genuine low interest rate of just 13.49% p.a., compare this card to other credit cards on the market and you will find a big difference in applied rates. Low interest credit cards are for people who [...]

Saving money on your mobile phone bill with Amaysim

We all have one and we probably pay a fair amount every month to use one, yes it the incredibly convenient mobile phone. It is virtually an essential part of today’s life style to always be contactable with your mobile phone, yet you probably have been forced to lock yourself into a 2 year contract [...]

What are Debit Cards?

In this day and age, not all merchant transactions are conducted traditionally–face to face in a store. More and more people are purchasing items through the mail, the phone, and most frequently, through the internet. Cash and Cheques are not readily accepted when trying to purchase items through these non-traditional methods. Consumers are forced to [...]

Protect yourself from credit card scams

Prevent your chances of getting stung by a credit card scam; if you follow these simple tips shown on the Australian government’s Scamwatch website you will reduce the risk of a credit card scam happening to you but you should always be vigilant. NEVER send money, or give credit card or online account details to [...]

Which credit card should I get?

Choosing your credit card wisely can mean the difference between not getting what you want to paying too much. There are a few different types of credit cards aimed at people with different expectation and financial situations. So the credit card you choose or the credit card which is best for your purpose will be [...]

What you should look for in a new credit card

Low Rate Credit Cards from 4 major banks July 2010

Who has the best low rate credit card of all the major Australian banks? Why don’t we compare the 4 major banks by rates and features on their main low rate credit card options? Purchase Cash Advance Annual Fees Balance Transfers Free days Westpac 13.24% p.a. 21.24% p.a $45 3.99% p.a. on balance transfers [...]

5 Credit Card Debt Reduction Tips you Should Follow

If you own a credit card your probably know how all too easy it is to build up a debt. Here are some great tips about reducing your credit card debt that can really help reduce debt. Make regular repayments Stop Spending on your card for a while Use a debit card instead Use your [...]

RBA cash rate changes affects credit card interest

Have you noticed when the Reserve Bank of Australia changes the cash rate, credit card interest rates don’t seem to move too much. That is because the interest rates charged on credit cards is generally so much higher that the rates the RBA sets. The RBA uses what’s called the monetary policy to control financial [...]

Choosing a Credit Card – what you need to know!

Choosing to get a credit card can be an exciting decision in your life. However, it can also can be a frustrating and complex one. For years people with limited to no knowledge on credit cards have enrolled in offers which they find appealing. Yet if you are not careful you can rack up a [...]

Best Rate Credit Card of the Month
13.24%	StGeorge Vertigo MasterCard 2.99% p.a. balance transfer rate for up to 6 months! more...

No Banking Fees with Visa Debt Card
	StGeorge Complete Freedom Account Unlimited access to branches, internet banking and over 2800 St.George, Westpac and BankSA ATMs around Australia more...