Australia Credit Card Interest Rates

Bank Rate Type
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%
-Apply
Nov 2017
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%
-Apply
Nov 2017
ANZ Credit Card Low Rate

he 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 2015 it has an annual fee of $58. Please Visit the ANZ website for specific conditions and terms before applying for this card.

12.49%
-Apply
Nov 2017
12.74%
-Apply
Nov 2017
Bankwest 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 55 days of interest free for purchases and as at 2015 it has an annual fee of $59. Please Visit the Bankwest website for specific conditions and terms before applying for this card.

12.99%
-Apply
Nov 2017
CBA 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 2013 had an annual fee of $78 or a reduced rate if your a selected customer. Please Visit the Commonwealth Bank website for specific conditions and terms before applying for this card.

13.24%
-Apply
Nov 2017
St. George Low Rate Credit Card

Rate indicated is based on the Vertigo Card Product rate. 

13.24%
-Apply
Nov 2017
Bank of Melbourne Vertigo Credit Card

This rate is for the Vertigo Visa� Card with $55 annual fee and 21.49% p.a. variable rate on cash advance.Please Visit the Bank of Melbourne website for specific conditions and terms before applying for this card.

13.24%
-Apply
Nov 2017
Bank SA 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 2015 it has an annual fee of $55. Please Visit the Bank SA website for specific conditions and terms before applying for this card.

13.24%
-Apply
Nov 2017
HSBC Australia 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 55 days of interest free for purchases and as at 2014 it has an annual fee of $0. Please Visit the ANZ website for specific conditions and terms before applying for this card.

13.25%
-Apply
Nov 2017
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