Best Low Interest Rate Credit Card Deals for July
| Credit Card | Purchase Rate | Balance
Transfer |
Interest Free | Reward Points | Card Fee | |
|---|---|---|---|---|---|---|
| American Express Platinum Card - Experience a whole world of untold privilege and recognition with the American Express Platinum Card through the access through to dedicated Platinum Concierge and Platinum Travel services and an elite level of travel, lifestyles and rewards offers. | ||||||
 |
%p.a N/A |
% p.a N/A |
Up to 51 days | 1.5 points per $1 spent up to $200,000 each year. | $900 |   |
| St George Vertigo MasterCard - Instant discounts and added extras with St.George Instant Benefits. Receive a complimentary additional card for your friends or family. | ||||||
 |
11.89%p.a |
0% p.a (for first 6 months) |
Up to 55 days | St.George Instant Benefits | $45 | |
| BankSA Vertigo MasterCard - Instant discounts and added extras with BankSA Instant Benefits. Receive a complimentary additional card for your friends or family. | ||||||
 |
11.89%p.a |
0% p.a (for first 6 months) |
Up to 55 days | BankSA Instant Benefits | $45 | |
| Citibank Clear - At last a credit card that gives you a low interest rate of 0% on balance transfers for 6 monthsØ and a low ongoing interest rate. So take advantage of this low rate now | ||||||
 |
11.99%p.a |
0% p.a (for first 6 months) |
Up to 55 days | N/A | $65 | |
| Aussie MasterCard - Be confident with your everyday credit card spend. With a low interest rate of 11.99% p.a.* on purchases (Excludes cash advances). | ||||||
 |
11.99%p.a |
0% p.a (for first 6 months) |
Up to 55 days | N/A | $49 | |
| NAB Low Rate Visa Card - A low ongoing rate to let you live life at a great rate. | ||||||
 |
12.79%p.a |
0% p.a (for up to 6 months limited time only) |
Up to 55 days | N/A | $49 | |
| ANZ Low Rate MasterCard - 3 FREE cards at no extra cost. | ||||||
 |
12.99%p.a |
0% p.a (for first 6 months) |
Up to 55 days | N/A | $58 | |
| St George Starts Low, Stays Low Credit Card - St.George Instant Benefits - providing instant discounts, added extras and special treats when you use your St.George card with a range of partners | ||||||
 |
12.99%p.a |
12.99% p.a |
Up to 55 days | St.George Instant Benefits | $59 | |
| BankSA Starts Low, Stays Low Credit Card - BankSA Instant Benefits - providing instant discounts, added extras and special treats when you use your BankSA card with a range of partners. | ||||||
 |
12.99%p.a |
12.99% p.a |
Up to 55 days | BankSA Instant Benefits | $59 | |
| Commonwealth Bank Low Rate Card - | ||||||
 |
13.24%p.a |
5.99% p.a (for first 5 months) |
Up to 55 days | N/A | $48 | |
| ANZ Balance Credit Card - Get the new ANZ Balance Visa and choose how you would like to be rewarded - Cashback, Shopping Vouchers or Gift Cards. Earn Reward Points every time you make a repayment. Plus get 0% p.a. on balance transfers for the first 6 months. | ||||||
 |
13.99%p.a |
2.9% p.a (for the first 12 months) |
Up to 55 days | 1 Reward Point for every $1 you repay to your balance | $79 | |
| St George Platinum Visa - Personal Concierge Service, Overseas travel, transit accident, purchase cover, extended warranty insurance | ||||||
 |
14.25%p.a |
3.99% p.a (for the first 6 months) |
Up to 55 days | Exclusive Platinum card programs offered by Visa and MasterCard | $89 | |
| BankSA Platinum Visa - Personal Concierge Service, Overseas travel, transit accident, purchase cover, extended warranty insurance | ||||||
 |
14.25%p.a |
3.99% p.a (for the first 6 months) |
Up to 55 days | Exclusive Platinum card programs offered by Visa and MasterCard | $89 | |
| St George Gold Low Rate Credit Card - Overseas travel, transit accident, purchase cover, extended warranty insurance. | ||||||
 |
14.25%p.a |
14.25% p.a |
Up to 55 days | St.George Instant Benefits | $79 | |
| BankSA Gold Low Rate Credit Card - Overseas travel, transit accident, purchase cover, extended warranty insurance. | ||||||
 |
14.25%p.a |
14.25% p.a |
Up to 55 days | BankSA Instant Benefits | $79 | |
| Commonwealth Bank No Fee Card - FREE additional credit card for a family member or friend. | ||||||
 |
18.24%p.a |
5.99% p.a (for first 5 months) |
0 Days Interest Free | N/A | FREE | |
| St George No Annual Fee Card - St.George Instant Benefits - providing instant discounts, added extras and special treats when you use your St.George card with a range of partners. | ||||||
 |
18.75%p.a |
18.75% p.a |
N/A | St.George Instant Benefits | FREE | |
| BankSA No Annual Fee Card - BankSA Instant Benefits - providing instant discounts, added extras and special treats when you use your BankSA card with a range of partners. | ||||||
 |
18.75%p.a |
18.75% p.a N/A |
N/A | BankSA Instant Benefits | FREE | |
| NAB Visa Mini - With a NAB Visa Mini you get the best of both worlds, in one small card and a choice of 5 unique colours! | ||||||
 |
19.24%p.a |
5.9% p.a (for up to 6 months) |
Up to 55 days | N/A | $24 | |
| NAB Gold Card - Enjoy the benefits of Gold and complimentary insurances. | ||||||
 |
19.49%p.a |
% p.a N/A |
Up to 44 days | Link your NAB Gold Card to your FlyBuys membership at no extra cost | $90 | |
| NAB Standard Card - A great everyday card with a low annual card fee and convenient features. | ||||||
 |
19.49%p.a |
% p.a N/A |
Up to 44 days | Link your NAB Standard Card to your FlyBuys membership at no extra cost | $30 | |
| ANZ First CreditCard - Low balance transfer for the first 12 months. | ||||||
 |
19.49%p.a |
7.99% p.a (for first 6 months) |
Up to 44 days | N/A | $30 | |
| ANZ Visa Gold Credit Card - Up to nine additional cardholders at no extra cost. 7.99% on balance transfers for 6 months | ||||||
 |
19.49%p.a |
7.99% p.a (for first 6 months) |
Up to 55 days | N/A | $87 | |
| Commonwealth Bank Low Fee Card - Special offer for CBA customers - No Annual Fee if you spend $1000 or more per year. | ||||||
 |
19.64%p.a |
5.99% p.a (for first 5 months) |
Up to 55 days | N/A | $24 | |
| Citibank BP MasterCard - 5% off your petrol and everything else you buy at BP^. 1% off everything else you buy anywhere†| ||||||
 |
19.89%p.a |
2.9% p.a (for first 12 months) |
N/A | 5% off your petrol and everything else you buy at BP^. 1% off everything else you buy anywhere†| $79 | |
| Velocity NAB Standard Card - Maximise your Velocity Points from the ground up, and earn Velocity Points towards an exciting range of Velocity Rewards. | ||||||
 |
19.99%p.a |
3.99% p.a (for up to 6 months) |
Up to 44 days | $2 = 1 point on Visa, $2 = 1.5 points on American Express | $65 | |
| Velocity NAB Gold Card - All the features of the Velocity NAB Standard Card plus special insurances for Gold. | ||||||
 |
19.99%p.a |
3.99% p.a (for up to 6 months) |
Up to 44 days | $2 = 1 point on Visa, $2 = 2 points on American Express | $150 | |
| American Express Gold Choices Credit Card - Reward yourself with the American Express Gold Choices Credit Card. You’ll enjoy a gold card with a CANNEX 5 star rewards program all for a low annual fee of just $49 p.a. Have a look at the benefits the card offers. | ||||||
 |
19.99%p.a |
6.99% p.a (for first 6 months) |
Up to 55 days | $1 spent = 1 Membership Rewards | $49 | |
| American Express Blue Sky Credit Card - With Blue Sky from American Express you get a built in rewards program that offers you unlimited travel choices, 365 days a year. Just spin the globe, plan your course and use Blue Sky points to get you there. | ||||||
 |
19.99%p.a |
6.99% p.a (for the life of the balance) |
Up to 55 days | $1 = 1 Point BlueSky Rewards | $95 | |
| Qantas American Express Premium Card - Two Qantas Club Invitations and 5,000 Qantas Frequent Flyer points on first spend. Earn up to 2.25 Qantas frequent flyer point for every dollar spent. | ||||||
 |
20.49%p.a |
6.99% p.a (for the life of the balance) |
Up to 55 days | $1 = 1.25 points | $195 | |
| Qantas American Express Ultimate Card - The Qantas American Express Ultimate Card has our most superior frequent flyer point earn rate and is designed to help you make the most of your travelling lifestyle. One Qantas domestic return flight to selected capital cities per year after your first spend on selected Qantas services. | ||||||
 |
20.49%p.a |
6.99% p.a (for the life of the balance) |
Up to 55 days | $1 = up to 2.5 points | $395 | |
| ANZ Visa Rewards Card - 0% 1st 6 months / 2.9% 12 months | ||||||
 |
20.74%p.a |
% p.a N/A |
Up to 44 days | $1.5 = 1 Point | $48 | |
| Citibank Gold Card - Free international travel insurance for you and your family. Free 1-for-1 rewards program including Qantas Frequent Flyer. | ||||||
 |
20.74%p.a |
2.9% p.a (for first 12 months) |
Up to 55 days | $1 = 1 Point | $119 | |
| ANZ Qantas Freq Flyer Visa Gold - Low balance transfer for the first 12 months. Card Fee = $95 for the card + $55 for the rewards scheme. | ||||||
 |
20.74%p.a |
2.9% p.a (for the first 12 months) |
Up to 55 days | $1 = 1 point up to $2500pcm | $150 | |
| ANZ Qantas Freq Flyer Visa - Low balance transfer for the first 12 months. | ||||||
 |
20.74%p.a |
2.9% p.a (for the first 12 months) |
Up to 44 days | $1 = 1 point up to $1500pcm | $95 | |
| Citibank Platinum Credit Card - Credit limit up to $100,000. Personal 24hr concierge service. Free international travel insurance. | ||||||
 |
20.74%p.a |
2.9% p.a (for first 12 months) |
Up to 55 days | FREE personalised 1-for-1 rewards program | $250 | |
| Commonwealth Bank Awards Card - Commonwealth Awards program - rewards program offering everything from cash back to DJs vouchers to blenders to magazine subscriptions to travel with over 400 different airlines around the world. | ||||||
 |
20.74%p.a |
5.99% p.a (for first 5 months) |
Up to 55 days | Commonwealth Awards program. | $59 | |
| Commonwealth Bank Gold Card - Free international travel insurance (up to 3 months), Free transit accident insurance, Commission-free travellers cheques, Your Global Connection (premium integrated travel services). | ||||||
 |
20.74%p.a |
5.99% p.a (for first 5 months) |
Up to 55 days | Commonwealth Awards program + special Gold offers. | $114 | |
| Commonwealth Bank Platinum Card - Complimentary international travel insurance (up to 12 months), Interstate flight inconvenience insurance, Transit accident insurance, Commission-free travellers cheques, Companion airfare deal. | ||||||
 |
20.74%p.a |
5.99% p.a (for first 5 months) |
Up to 55 days | Awards program, Platinum offers and bonus points | $200 | |
Featured News from Money-AU
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However, it can be much easier
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With the amount being spent being spent by Australian consumers breaking records, credit card companies have been quick to seize an opportunity to allay fears of mounting debts. >> Read More
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Latest Credit Card News
Below the latest credit card news from Money-AU. Click on the link to take you directly to the news article.
Household wealth of Australians 'up 50%'
The average net wealth of Australian households increased by around a half between 2002 and 2006, a new report has found.
Article Added 02/07/2008
>> Read the full story
Report: Credit card and bank fraud numbers top 380,000
Credit card and bank fraud figures in Australia numbered above 380,000 during the second half of 2007, making them the most popular ID scams in the country.
Article Added 01/07/2008
>> Read the full story
Government advised to control credit
The Australian Bankers Association (ABA) has warned that the government needs to control consumer's access to credit if it wants to tighten up controls in the financial industry.
Article Added 30/06/2008
>> Read the full story
NAB-HBOS bid rumours continue
Rumours that the largest bank in Australia is preparing to make a bid for Halifax Bank of Scotland's business in the country have stepped up a gear after insider information regarding the affair has come to light.
Article Added 27/06/2008
>> Read the full story
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