HomeCredit CardsLow Rate

Compare Low Rate Credit Cards

Review the best Low Interest Rate Credit Card offers and apply. Compare your existing card. Low rates from 9.9% p.a. Get a better deal with Stay or Go.

Updated 22 May 2024

Purchase Rate
Purchase Rate

Offers 1 - 10 of 39


It may seem obvious, however having a low interest rate credit card could save you hundreds, if not thousands of dollars in interest repayments over the life of the product. When comparing credit cards, Stay or Go calculates savings over a 3-year period, however many people hold onto the same credit card for 10+ years, so its important you get one that suit you, or it could cost you a lot more than it should. For example, if you had $12,500 owing on a credit card that charged 20% p.a. on the balance, it would cost you $1,400 more over 3 years compared to a 12.5% p.a. Low Rate credit card.

Its fair to say that, if you don’t pay off your credit card balance in full each month, you are almost certainly going to be financially better off on a Low Rate credit card. Even just for peace of mind, many people prefer to have a low rate credit card, ensuring they’re never faced with excessive interest charges if cash-flow was to become tight. That said, if you’re confident that you can always pay off the whole balance each month you may be financially better off on a low or no annual fee card. Further, if you are a high spender that clears your balance monthly, you may benefit from a rewards card when you consider what you get back for your spend.

More information
* Select “learn more” for additional information regarding fees, interest rates, rewards and other features.
^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
Copyright © 2024 Stay or Go Pty Ltd
Stay or Go Pty Ltd (“Stay or Go”) provides information about and compares credit products in the Australian market and is authorised to do so as the holder of Australian Credit Licence 527092. We do not compare every credit product in the Australian market. We are not a credit provider and we do not provide credit assistance. When we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via our website, you are not applying with us, you are applying directly with the credit provider and will be redirected to their website. We endeavour to ensure that the information on this website is current and accurate however, before entering into any credit product with a credit provider displayed on our website, you should confirm the fees, rates, product information, and eligibility criteria with the credit provider and read the Target Market Determination (TMD) available via their website. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice. The use of any trade name or trademark on this website is for identification, comparison and reference purposes only and does not imply any association with the trademark holder or their brand. Please refer to our Terms of Use for more details.