📉
Lowest Rate Credit Cards
Credit cards with the lowest purchase interest rates
📉
Lowest Rate Credit Cards
#1
#1
Westpac Lite Card
WestpacLive
9.90% p.a.
Details+
Key Details
Annual fee$108
Purchase rate9.90% p.a.
Interest-free daysUp to 45 days
Min income$30,000
Features
FX feeNo FX fee
Travel insuranceNo
#2
#2
Low Rate Credit Card from American Express
American ExpressLive
10.99% p.a.
Details+
Key Details
Annual feeFree
Purchase rate10.99% p.a.
Interest-free daysUp to 55 days
Features
FX fee3.5%
Travel insuranceNo
#3
#3
Classic Credit Card
BCULive
11.95% p.a.
Details+
Key Details
Annual fee$45
Purchase rate11.95% p.a.
Interest-free daysUp to 52 days
Features
FX fee3%
Travel insuranceNo
#4
#4
Low Rate Credit Card (New)
Great Southern BankLive
11.99% p.a.
Details+
Key Details
Annual fee$60
Purchase rate11.99% p.a.
Interest-free daysUp to 55 days
Features
FX fee3.4%
Travel insuranceNo
#5
#5
Low Rate Visa Credit Card
Australian Military BankLive
11.99% p.a.
Details+
Key Details
Annual fee$49
Purchase rate11.99% p.a.
Interest-free daysUp to 45 days
Features
FX fee1%
Travel insuranceNo
Balance transfer12mo @ 0.00%
#6
#6
P&N Bank Visa Classic
P&NLive
11.99% p.a.
Details+
Key Details
Annual fee$49
Purchase rate11.99% p.a.
Interest-free daysUp to 45 days
Features
FX fee3%
Travel insuranceNo
#7
#7
P&N Bank Visa Platinum
P&NLive
11.99% p.a.
Details+
Key Details
Annual fee$99
Purchase rate11.99% p.a.
Interest-free daysUp to 45 days
Features
FX fee3%
Travel insuranceYes
#8
#8
Bendigo Bright Credit Card
BendigoLive
11.99% p.a.
Details+
Key Details
Annual fee$59
Purchase rate11.99% p.a.
Interest-free daysUp to 55 days
Features
FX fee3%
Travel insuranceNo
#9
#9
Value Plus Credit Card
Newcastle PermanentLive
11.99% p.a.
Details+
Key Details
Annual fee$49
Purchase rate11.99% p.a.
Interest-free daysUp to 55 days
Min income$20,000
Features
FX fee3%
Travel insuranceNo
#10
#10
Bankwest Breeze Platinum Mastercard
BankwestLive
12.99% p.a.
Details+
Key Details
Annual fee$59
Purchase rate12.99% p.a.
Interest-free daysUp to 55 days
Features
FX feeNo FX fee
Travel insuranceYes
Balance transfer24mo @ 0.00%
#11
#11
Bankwest Breeze Classic Mastercard
BankwestLive
12.99% p.a.
Details+
Key Details
Annual fee$49
Purchase rate12.99% p.a.
Interest-free daysUp to 55 days
Features
FX fee2.95%
Travel insuranceNo
Balance transfer24mo @ 0.00%
#12
#12
Low Rate Visa Credit Card
Bank AustraliaLive
12.99% p.a.
Details+
Key Details
Annual feeFree
Purchase rate12.99% p.a.
Interest-free daysNone
Features
FX fee3%
Travel insuranceNo
Balance transfer6mo @ 0.00%
#13
#13
Orange One Low Rate
INGLive
12.99% p.a.
Details+
Key Details
Annual fee$48
Purchase rate12.99% p.a.
Interest-free daysUp to 45 days
Min income$36,000
Features
FX feeNo FX fee
Travel insuranceNo
#14
#14
Low Rate Credit Card
HSBCLive
12.99% p.a.
Details+
Key Details
Annual fee$99
Purchase rate12.99% p.a.
Interest-free daysUp to 55 days
Min income$40,000
Features
FX feeNo FX fee
Travel insuranceYes
Balance transfer12mo @ 0.00%
#15
#15
Rewards Credit Card
BCULive
13.05% p.a.
Details+
Key Details
Annual fee$89
Purchase rate13.05% p.a.
Interest-free daysUp to 52 days
Features
FX fee3%
Travel insuranceNo
#16
#16
Coles Low Rate Mastercard
NABLive
13.49% p.a.
Details+
Key Details
Annual fee$58
Purchase rate13.49% p.a.
Interest-free daysUp to 55 days
Features
FX fee3%
Travel insuranceNo
Balance transfer12mo @ 0.00%
#17
#17
NAB Low Rate Card
NABLive
13.49% p.a.
Details+
Key Details
Annual fee$99
Purchase rate13.49% p.a.
Interest-free daysUp to 55 days
Features
FX fee3.5%
Travel insuranceNo
Balance transfer6mo @ 0.00%
#18
#18
Low Rate Card
WestpacLive
13.74% p.a.
Details+
Key Details
Annual fee$84
Purchase rate13.74% p.a.
Interest-free daysUp to 55 days
Min income$30,000
Features
FX fee3%
Travel insuranceNo
Balance transfer20mo @ 0.00%
#19
#19
ANZ Low Rate
ANZLive
13.74% p.a.
Details+
Key Details
Annual fee$58
Purchase rate13.74% p.a.
Interest-free daysUp to 55 days
Features
FX fee3.5%
Travel insuranceNo
Balance transfer26mo @ 0.00%
#20
#20
Low Rate credit card
Commonwealth BankLive
13.99% p.a.
Details+
Key Details
Annual fee$72
Purchase rate13.99% p.a.
Interest-free daysUp to 55 days
Features
FX fee3.5%
Travel insuranceNo
#21
#21
Rainbow Vertigo Card
St GeorgeLive
13.99% p.a.
Details+
Key Details
Annual fee$84
Purchase rate13.99% p.a.
Interest-free daysUp to 55 days
Features
FX fee3%
Travel insuranceNo
Balance transfer20mo @ 0.00%
#22
#22
Vertigo
St GeorgeLive
13.99% p.a.
Details+
Key Details
Annual fee$84
Purchase rate13.99% p.a.
Interest-free daysUp to 55 days
Features
FX fee3%
Travel insuranceNo
Balance transfer20mo @ 0.00%
#23
#23
Vertigo
BankSALive
13.99% p.a.
Details+
Key Details
Annual fee$84
Purchase rate13.99% p.a.
Interest-free daysUp to 55 days
Features
FX fee3%
Travel insuranceNo
Balance transfer20mo @ 0.00%
#24
#24
Bankwest More Platinum Mastercard
BankwestLive
14.99% p.a.
Details+
Key Details
Annual fee$160
Purchase rate14.99% p.a.
Interest-free daysUp to 44 days
Features
FX feeNo FX fee
Travel insuranceYes
Balance transfer6mo @ 0.00%
#25
#25
Bankwest More World Mastercard
BankwestLive
14.99% p.a.
Details+
Key Details
Annual fee$270
Purchase rate14.99% p.a.
Interest-free daysUp to 44 days
Features
FX feeNo FX fee
Travel insuranceYes
Balance transfer6mo @ 0.00%
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As of 16 September 2026, the lowest purchase rate tracked by BankMate is 9.90% p.a. on the Westpac Lite Card. How we rank →