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.

How It Works

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


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


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


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?