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