Compare credit card offers by rates and features.

Best Rate Credit Cards is a free online credit card comparison website which can guide you to the right card choice of Australian credit cards.

Selecting a Credit Card?
Something’s you should consider when choosing your credit card:

Consider other Lenders, they may offer better deals than your current bank?
Low interest cards or Rewards? Only choose a credit card with features that you will use!

3 competitive low interest credit cards

	Purchase % p.a.	Annual Fee	Balance Transfer
Bankwest Lite MasterCard A low Rate , Stress Free Credit Card! - more >>	10.75%	$59.00	1.99% for 9 mths
Citibank Clear Platinum Card Apply now and get 0.99% on balance transfer for 6 months. - more >>	11.49%	$99.00	0% for 6 mths
Suncorp Standard Card Low rate of 12.24% p.a. on retail purchases and low annual fees. - more >>	12.24%	$39.00	2.90% for 12 mths

What will your repayments be?
Find out how much a credit card will cost you? Use the credit card interest calculator to learn the average amount your likely to spend with your anticipated credit card balance.

Work out your debt repayment plan?
Need to work out your repayment options? Our credit card repayment calculator will show you how long it will take to repay your credit card debt given a weekly repayment amount you can comfortably afford. Calculate the interest and time it will take to lower the credit card debt.

Choosing a credit card type
If you're choosing your very first credit card or are planning to get a balance transfer, we can show you some types of credit cards available. Match credit cards by there interest rates, annuals fees, balance transfers, rewards and more. If you like frequent flyer points, find a rewards credit card program with the features you desire. Whatever type of credit card you need, we can show you some great references.

Balance Transfer Deals

Balance transfer credit cards make switching cards simple, with competition between credit card providers increasing, you can get a better interest rate compare to the credit card you currently use. Balance transfer allows you to move any balances owing on another card and help you organize your repayments, especially when you combine multiple credit cards into one. You can use our interest rate calculator too see what you can save buy making the switch.

	Purchase % p.a.	Annual Fee	Balance Transfer
HSBC Credit Card 0% p.a.balance transfers for the first 6 months - $0 fees for the life of the card - more >>	16.99%	$0.00	0% for 6 mths
Citibank Clear Card 0% for 6 months on Balance Transfers - more >>	11.99%	$65.00	0% for 6 mths
Citibank Clear Platinum Card Apply now and get 0.99% on balance transfer for 6 months. - more >>	11.49%	$99.00	0% for 6 mths

Low Fee Credit Card Deals

Low Annual Fee Credit Cards offer all the facilities of other credit cards except card providers don’t charge you for using them directly. Banks make money of the interest charges they attract which is generally more interest compared to lower rate cards. No fee credit cards suit people with good repayment habits who don’t attract interest charges too often because they repay on time and therefore minimizing costs.

	Purchase % p.a.	Annual Fee	Balance Transfer
StGeorge Vertigo MasterCard The low rate credit card for those who love to shop - more >>	12.49%	$55.00	2.99% for 6 mths
HSBC Credit Card 0% p.a.balance transfers for the first 6 months - $0 fees for the life of the card - more >>	16.99%	$0.00	0% for 6 mths
Bankwest Lite MasterCard A low Rate , Stress Free Credit Card! - more >>	10.75%	$59.00	1.99% for 9 mths

Interest Free Credit Card Deals

Interest free credit cards are normal credit cards with interest free days applied to purchases. They enable you to repay any purchases within a specified time frame without acquiring interest’s charges. Most credit cards have this benefit but the interest free period generally applies to credit cards with no outstanding balance and if you have money owing past the initial interest free period it won’t apply to later purchases.

	Purchase % p.a.	Annual Fee	Balance Transfer
St.George Platinum Credit Card The ultimate shopping and travel card combining value - more >>	15.74%	$89.00	3.99% for 6 mths
HSBC Credit Card 0% p.a.balance transfers for the first 6 months - $0 fees for the life of the card - more >>	16.99%	$0.00	0% for 6 mths
ANZ Rewards Gold Apply by 1 June 2010 and earn DOUBLE REWARD POINTS on purchases for the first 3 months - more >>	19.49%	$129.00	7.99% for 6 mths

Reward Credit Card Deals

Reward credit cards are incentive cards which reward you for spending. Rewards can vary greatly between providers but generally rewards are returned in the form of Frequent Flyers or Air fares, shopping vouchers and shopping discounts, cash back or other savings for you. The interest rates are usually higher for rewards credit cards but there are a few exceptions. Rewards credit cards benefit people who can arrange substantial spending either for business or personal use, that way reward points build up faster.

	Purchase % p.a.	Annual Fee	Balance Transfer
Citibank Clear Platinum Card Apply now and get 0.99% on balance transfer for 6 months. - more >>	11.49%	$99.00	0% for 6 mths
St.George Platinum Credit Card The ultimate shopping and travel card combining value - more >>	15.74%	$89.00	3.99% for 6 mths
IMB Gold Rewards Mastercard Superior Rewards Program at no additional cost - more >>	19.24%	$99.00	2.90% for 9 mths

Low Rate Credit Cards from 4 major banks July 2010

Who has the best low rate credit card of all the major Australian banks? Why don’t we compare the 4 major banks by rates and features on their main low rate credit card options? Purchase Cash Advance Annual Fees Balance Transfers Free days Westpac 13.24% p.a. 21.24% p.a $45 3.99% p.a. on balance transfers [...]

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BOQ is offering a great rewards program through there premium Gold and Platinum credit cards. You can enjoy quality rewards through the BOQ Q Rewards. Q Rewards is a range of benefits including travel options and shopping vouchers. Rewards are accumulated by simply spending money throught BOQ Gold and Platinum credit cards. BOQ Gold Credit [...]

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Suncorp Standard Card Low rate of 12.24% p.a. on retail purchases and low annual fees, with no interest free days. Low balance transfer rate of 2.9% p.a. for 12 months Generous credit limit of up to $20,000 Low annual fee of $39 for primary cardholder and $15 for additional cardholders Privileges and special offers Purchase [...]

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