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Australia Credit Card Interest Rates

Provider Rate Type Updated
Bank Australia Low Rate Visa Credit Card

minimum limit is 1000. Same interest rate for purchases and cash advances

9.39%
Low RateAug 2019
Westpac Westpac Lite CardShopping online or travelling overseas - Pay no foreign transaction fees and get our lowest purchase rate with the Westpac Lite Card.
9.90%
[value-77]Jun 2024
Bank of Melbourne Business VantageA low interest rate on purchases to help manage your business cash flow
9.99%
[value-77]Jun 2024
Bank SA VISA BusinessA low interest rate on purchases to help manage your business cash flow
9.99%
[value-77]Jun 2024
St George Business VantageA low interest rate on purchases to help manage your business cash flow
9.99%
[value-77]Jun 2024
Bank of Sydney Credit Card Low Rate

The rate indicated has 55 days of interest free for purchases and as at 2015 it has an annual fee of $49. It has 0% p.a. for 6 months on balance transfers. Please Visit the BOS website for specific conditions and terms before applying for this card.

11.99%
Low RateAug 2019
Bendigo Bank Low Rate Credit Card

The rate indicated applies to the rate on purchases and has different rates for cash advances and balance transfers. It has 44 days of interest free for purchases and it has an annual fee of $45. Please Visit the Bendigo Bank website for specific conditions and terms before applying for this card.

11.99%
Low RateJan 2020
Credit Union Australia Credit Card Low Rate

The rate indicated applies to the rate on purchases and has different rates for cash advances and balance transfers. It has 55 days of interest free for purchases and as at 2014 it has an annual fee of $49. Please Visit the CUA website for specific conditions and terms before applying for this card.

11.99%
Low RateSep 2019
11.99%
-Mar 2019
Suncorp Low Rate Credit Card

$55 annual fee and credit limt fro $2000 up to $20,000

12.74%
Low RateAug 2019
Australian Consumer credit regulation

In Australia, the National Credit Act began of 2010 states that anyone in Australia who wants to engage in credit activities (including lenders and brokers) must be licensed with ASIC or be a representative of someone who is licensed. Also that the credit provider must: Make reasonable inquiries about your financial situation, requirements and objectives as well, take reasonable steps to verify your financial situation and whether the the contract is not suitable for you.

What you should know about your Australian credit card

A credit provider also must provide a fact sheet for consumers applying for a credit card that include: an Interest rate that applies to purchases, cash advances and balance transfers and minimum repayment. As well as if it exists the promo rate, interest free period, late payment fees or annual fee.

Source: moneysmart.gov.au