Best Low Interest Rate Credit Card Deals for October
| Credit Card | Purchase Rate | Balance
Transfer |
Interest Free | Reward Points | Card Fee | |
|---|---|---|---|---|---|---|
| Woolworths Everyday Money Credit Card - | ||||||
 |
0%p.a (until 1st February 2009) |
5.99% p.a (for first 6 months) |
Up to 55 days | Up to 3 reward points per dollar spent | FREE (for the first year) |
  |
| 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 | $55 | |
| 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 | |
| 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 | |
| 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 | ||||||
 |
12.49%p.a |
0% p.a (for first 6 months) |
Up to 55 days | N/A | $65 | |
| NAB Low Rate Visa Card - A low ongoing rate to let you live life at a great rate. | ||||||
 |
12.7%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 | $69 | |
| 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. | ||||||
 |
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 | |
| GE Money eco MasterCard - The GE Money eco MasterCard is the first credit card in Australia with a dedicated program that purchases carbon offsets on behalf of cardholders via Origin's Carbon Reduction Scheme. These contributions help fund projects such as reforestation, renewable energy, water and wastewater treatment, land and habitat conservation, energy efficiency and other environmental initiatives that meet the strict standards. | ||||||
 |
18.49%p.a |
0% p.a (for first 6 months) |
Up to 55 days | Yes | $49 | |
| 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 | |
| AMEX Business Accelerator Credit Card - Introducing the American Express Business Accelerator Credit Card, the best business credit card or your money back. You’ll earn 2 Membership Rewards points for every $1 spent up to $150,000. | ||||||
 |
18.99%p.a |
% p.a N/A |
Up to 55 days | 2 Membership Rewards points for every $1 spent | $160 | |
| NAB Gold Card - Enjoy the benefits of Gold and complimentary insurances. | ||||||
 |
19.74%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. | ||||||
 |
19.74%p.a |
% p.a N/A |
Up to 44 days | Link your NAB Standard Card to your FlyBuys membership at no extra cost | $30 | |
| 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! | ||||||
 |
19.74%p.a |
5.9% p.a (for up to 6 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 | |
| Commonwealth Bank Low Fee Card - | ||||||
 |
19.99%p.a |
5.99% p.a (for first 5 months) |
Up to 55 days | N/A | $24 | |
| 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 - Fly for half the points - Until 1 January 2009, you can redeem flights to selected domestic and international destinations, for half the number of points normally required. | ||||||
 |
19.99%p.a |
6.99% p.a (for the life of the balance) |
Up to 55 days | $1 = 1 Point BlueSky Rewards | $95 | |
| AMEX Platinum Credit Card - One Qantas domestic Economy return flight every year to selected capital cities in Australia. | ||||||
 |
19.99%p.a |
6.99% p.a (for the life of the transferred balance) |
Up to 55 days | $1 spent = up to 1.5 points | $395 | |
| ANZ First CreditCard - ANZ First - $0 annual account fee for the first 12 months. Low balance transfer for the first 12 months. | ||||||
 |
19.99%p.a |
7.99% p.a (for first 6 months) |
Up to 44 days | N/A | FREE | |
| ANZ Visa Gold Credit Card - Up to nine additional cardholders at no extra cost. 7.99% on balance transfers for 6 months | ||||||
 |
19.99%p.a |
7.99% p.a (for first 6 months) |
Up to 55 days | N/A | $87 | |
| 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 | $249 | |
| AMEX Platinum MoneyBack Credit Card - Use your American Express Platinum MoneyBack Credit Card almost anywhere, and you'll earn 5% of your MoneyBack for the first 3 months up to $300 for the first $6000 you spend. | ||||||
 |
20.49%p.a |
6.99% p.a (for first 6 months) |
Up to 44 days | 1% MoneyBack on all purchases. 5% MoneyBack in first 3 mths Card membership (up to $300 MoneyBack). | $99 | |
| AMEX Rewards Maximiser Credit Card - Enrolment into the Ascent program ( Not Qantas Frequent Flyer). There’s nothing more exciting than ticking something off your wish list. And with the Rewards Maximiser Gold Credit Card you can make it happen sooner. Enjoy premium benefits and privileges and get the rewards you want fast, with no limit on the number of Membership Rewards™ points you can earn. | ||||||
 |
20.49%p.a |
6.99% p.a (for the first 6 months) |
Up to 55 days | Ascent $1:1 with $1:1.5 bonus up March 09 with a cap of the 0.5 100K | $192 | |
| 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 | |
| Citibank Silver Card - Personalised 1-for-1 rewards program. Free international travel insurance. | ||||||
 |
20.74%p.a |
2.9% p.a (for first 12 months) |
Up to 55 days | $1 = 1 Point | $69 | |
| 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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Finding the right credit card can
be a bit of a nightmare. With so
many to choose from, the
options are often bewildering.
However, it can be much easier
than you think. >> Read More
Zero-Interest Credit Cards
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.
Woolworths plots growth
Woolworths, the retail giant responsible for the Everyday Money credit card, has revealed details of its growth plans.
Article Added 29/09/2008
>> Read the full story
Credit card interest rates 'remain constant'
A newly published survey of credit cards on the Australian market has highlighted that interest rates have held firm on the majority of offers.
Article Added 22/09/2008
>> Read the full story
Credit card spending 'cools down'
Plastic credit cards in Australia have no danger of melting through over use as consumers begin to tighten their belts, new figures have shown.
Article Added 18/09/2008
>> Read the full story
Protect yourself from credit card fraud
Almost half a million Australians were the victim of identity theft last year and there are a number of ways to protect yourself, your identity and your hard-earned cash, it has emerged.
Article Added 18/09/2008
>> Read the full story
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