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 use credit but don’t always reduce the debt regularly. If you think of every percent of interest being charged to your balance, then a low rate credit card will offer greater savings by charging you less in interest.

To help you reduce your interest rate, ANZ Low Rate MasterCard offers you a convenient balance transfer feature. You can transfer your balance from other banks credit cards to a new credit card account with ANZ, ANZ will even organise the transfers for you.

At 2.9% p.a. for 12 month on all balance transfers, ANZ will help you get your credit card finances under control with a very low interest period.

ANZ’s low rate MasterCard is an all-purpose credit card has more to offer than just low interest. You’ll also have a low annual fee of just $58 per year.

Security is a big priority with ANZ, they offer a trademark credit cards security service called Falcon. With Falcon always monitoring your credit card transactions, any suspicious behavior is flagged and you will be notified of the transaction. If you have not approved the transaction that transaction will be stopped and your card may be cancelled for your protection from credit card fraud.

Falcon is a 24/7 monitoring service on your account so you’ll be safe with all purchases, which is handy since MasterCard is accepted in over 29 million location around the world.

Many credit cards offer a number of extra rewards that may sound appealing but often come at the expense of a higher interest rate. With the ANZ low rate MasterCard; this is not the case as you’re not going to be paying for rewards that you’re never going to use. This card is a straight up low interest line of credit.

So if your looking for a low interest credit card, give the ANZ Low Rate MasterCard some consideration, you may find its the perfect choice for your credit situation.

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?

So let’s get this straight, Australians major 4 banks have a similar purchase rate on each of their low interest credit cards as of writing this article. Could this be right? In a system of market competition they all have the same rates. There are other banks that offer even lower rates but this comparison is only for Australia’s major 4 banks so let’s keep going.

The cash rate, for when you draw money in the form of cash on credit. Never a good idea to draw a cash advance rate because of the higher interest rate this incurs and none of these credit cards offer too much relief in this area. All the banks showed big cash interest rates in the high 21% but Westpac had a little less at the lowest purchase rate of 21.24%, 25 basis points off the other three banks CAB, NAB and ANZ at 21.49%. So cash advances are not the best use of these credit cards.

Westpac have the lowest annual credit card fee at $45 with CBA having the highest at $79($48 if you qualify). NAB the next best annual fee at $49, only $4 more that Westpac’s yearly fee and ANZ at a seemingly close $58. So credit card annual fees vary between the banks being compared but not by too much.

ANZ has the best balance transfer at 0% interest over 6 months. All the other cards have a higher balance transfer rate between 3.99% to 5.99%. If you were choosing to transfer your credit card balance then ANZ might be the way to go.

All the compared credit cards have the same 55 day interest free terms on purchases.

If you were only considering these cards then you would not be doing your credit card research properly, there are other credit cards that can save you money in the low interest area. You just need to consider other lenders to find a better deal.

Bank West for instance, that have a genuinely competitive interest rate on it low rate credit card but if you haven’t heard of them or are not near a bank branch you might never getting choose. With the internet, online applications can have a great impact on your ability to apply for a different credit card easily. You can apply for most credit cards online these days so you should look to more credit card lenders to find better deals.

One of Australia’s most trusted financial providers St. George has an award-winning credit card for cost-conscious consumer called Vertigo.

Vertigo from St. George Voted Australia’s Cheapest Credit Card by Money Magazine in 2007 and 2008, St.George Vertigo Mastercard provides a great personal interest rate and a competitive low fee.

Any purchase your make with a St.George Vertigo Mastercard has a 55 day interest free period before a low interest rate of 11.74% is charged against your balance. It has a very low credit card fee of $55 per annum which rates amongst the lowest in all the credit cards available.

If you like to share your credit card with a family member, St.George offer a second credit card attached to the very same account for free.

With a no interest on balance transfers for 6 months, this credit card is perfect to transfer your current credit cards balance to help you manage your current credit card debt.

If you like getting benefits with your credit card, St.George Vertigo Mastercard offers discounts and added extras on Entertainment, Experiences, Shopping, Travel and Leisure, Wine and Magazine Subscriptions. This is a very special credit card because it has a low interest rate but still offers benefits usually found in more expensive rewards credit cards.

St.George is another lender which isn’t one of the big for banks in Australia; they are increasing competition in the credit card sector in which all Australians benefit from. Best Rate Credit Cards rates the St.George Vertigo Mastercard 5 stars.

Applying for your St. George Vertigo MasterCard is quick and easy with our secure application link. You must be at least 18 years of age to apply and have a valid driver’s license number, and proof of income. Applications are quick with an instant application response, so you can start enjoying your new card sooner.