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Low-Rate Credit Cards to Spend Your Way

Find a low-rate credit card to suit your spending needs. Apply online and discover a new sense of financial freedom and flexibility.

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How It Works

We're here to help you find a suitable credit card solution. Here's how it works:

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Click

Click the button below, and enter a few simple details to start your low-rate credit card journey.

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Select

Select a suitable fit for your needs and submit your application online with ease from one platform. It’s that simple.

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Once your application is confirmed and approved, your chosen provider will notify you. Within short order (a few weeks), you should receive your new card - ready for your next purchase!

Why You Might Choose a Low-Rate Credit Card 

A low-rate credit card may be preferred for Aussies aiming to minimise interest costs on their credit card balances. These products generally offer a lower interest or purchase rate compared to standard options, catering to those who may carry a balance from month to month. These rates may help you manage or reduce debt more efficiently. Some low-rate credit cards can come with additional perks, such as interest-free days on purchases, balance transfer offers, and low annual fees, enhancing their appeal.

Low-Rate Credit Card Tips & Tricks

Want to put yourself in the best possible position to succeed with your low-rate credit card application? Consider some of the following tips.

Improving Your Chances for a Low-Rate Credit Card


Who Might Qualify for Low-Rate Credit Cards?


Managing Your Low-Rate Credit Card


Your Introduction to Low-Rate Credit Cards

Unlike 'standard' credit cards, which regularly have higher interest rates on purchases of more than 15%, low-rate cards may offer a more affordable way to manage your finances, particularly if you tend to carry a balance from one month to the next.

The Purpose of Low-Rate Credit Cards


Key Differences from Standard Credit Cards


Different Types of Interest Rates that may Apply


Find a low-rate card that works for you and unlock greater financial flexibility in your life.

Frequently Asked Questions

We have put together a list of some of the most frequently asked low-rate credit card questions. 

Can I get a low-rate credit card with a poor credit history?


How do I transfer a balance to a low-rate credit card?


Are there low-rate credit cards with no annual fee?


What should I do if I can't make my credit card payment on time?


How does the interest-free period on a low-rate credit card work?


Can I use my low-rate credit card overseas?


How often can the interest rate on my low-rate credit card change?