Compare Credit Cards Rates

Whether you are looking to take out a new card, or replace your current card, Rate Detective can help!

If you are looking for a Low Rate card, looking to not pay an Annual Fee, wanting to transfer your balance from your current card, or earn points and rewards - we have an offer for you.

Important Information

Credit Card Interest Rate Balance Transfer Rate Annual Fee  
Citibank
All the features of a low rate card with the added benefits of a platinum credit card. Entertainment offers [Show more]
0.00%
0% p.a. for up to 6 months, 12.99% p.a. thereafter
0.00%
for 12 months
$49.00
$49 for 1st year $99p.a. thereafter
X
  • Save with Citibank's low rate credit card.
  • Categories: Low Rate, Platinum
  • Minimum Limit: $8,000.00
  • Maximum Limit: $60,000.00
  • Minimum Repayment: 0.00% / $0.00
  • Minimum Age: 18
  • Minimum Income: 35000
  • Subject to terms and conditions
  • Cash Advance Rate: 21.74%
  • Additional Card Fee: $19.00
  • Over Limit Fee: $40.00
  • Duplicate Statement Fee: $7.00
  • Late Payment Fee: $40.00
  • Foreign Exchange Fee: $5.00
  • Foreign Balance Check Fee: $0.00
  • Foreign Emergency Replacement Fee: $0.00
Virgin Money
Velocity Points on everyday purchases, up to 44 interest free days, Visa payWave, up to 4 additional cards, a competitive purchase rate, all for $64 p.a*. [Show more]
0.00%
Interest rate
0.00%
0% p.a. for the first 9 months, reverting to the cash advance rate after 9 months, currently 20.99% p.a.
$129.00
$129 p.a. annual fee for the first year ($129 p.a. thereafter)
X
  • Benefit from a competitive balance transfer rate of just 0% p.a. for 9 months. This is a great way to consolidate your existing credit card debt.
  • Categories: Balance Transfer, Frequent Flyer
  • Minimum Limit: $6,000.00
  • Maximum Limit: $100,000.00
  • Minimum Repayment: 0.00% / $20.00
  • Minimum Age: 18
  • Minimum Income: 35000
  • Rewards Points: Earn 1 Velocity Point, per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2.
  • Subject to terms and conditions
  • Cash Advance Rate: 20.99%
  • Additional Card Fee: $39.00
  • Over Limit Fee: $40.00
  • Duplicate Statement Fee: $7.00
  • Late Payment Fee: $10.00
  • Foreign Exchange Fee: $5.00
  • Foreign Balance Check Fee: $0.00
  • Foreign Emergency Replacement Fee: $0.00
Virgin Money
A low 10.99% p.a. interest on purchases, so you could save on interest with your everyday purchases [Show more]
10.99%
10.99% Purchase rate applies
0.00%
For 6 months
$99.00
The yearly fee charged for this type of credit card account.
X
  • Pay less interest with the Virgin Money Low Rate Card
  • Categories: Low Rate
  • Minimum Limit: $6,000.00
  • Maximum Limit: $30,000.00
  • Minimum Repayment: 0.00% / $20.00
  • Minimum Age: 18
  • Minimum Income: 35000
  • Subject to terms and conditions
  • Cash Advance Rate: 21.69%
  • Additional Card Fee: $29.00
  • Over Limit Fee: $40.00
  • Duplicate Statement Fee: $7.00
  • Late Payment Fee: $10.00
  • Foreign Exchange Fee: $0.00
  • Foreign Balance Check Fee: $0.00
  • Foreign Emergency Replacement Fee: $0.00
Virgin Money
Up to 44 interest free days, a competitive purchase rate & Visa payWave. [Show more]
18.99%
18.99% purchase rate
0.00%
0% p.a. for 14 months. Simply spend $1,000 or more in your first 3 months and you’ll get this great BT rate for 14 months. Rate reverts to 0% p.a. for 6 months if spend criteria isn’t met.
$0.00
$0 annual fee for the life of the card
X
  • No annual fee. Ever. We thought you'd like that.
  • Categories: No Annual Fee
  • Minimum Limit: $2,000.00
  • Maximum Limit: $10,000.00
  • Minimum Repayment: 0.00% / $20.00
  • Minimum Age: 18
  • Minimum Income: 25000
  • Subject to terms and conditions
  • Cash Advance Rate: 20.99%
  • Additional Card Fee: $0.00
  • Over Limit Fee: $40.00
  • Duplicate Statement Fee: $0.00
  • Late Payment Fee: $10.00
  • Foreign Exchange Fee: $0.00
  • Foreign Balance Check Fee: $0.00
  • Foreign Emergency Replacement Fee: $0.00
Bank of Queensland
0% p.a. for 12 months on balances you transfer up to 80% of your credit limit, reverting to the cash advance rate thereafter. Plus, half annual fee for the life of the card, currently only $99. [Show more]
20.74%
0.00%
up to 12 months
$99.00
X
  • The premium card with higher spending limits and comprehensive travel insurance.
  • Categories: Frequent Flyer, Platinum, Rewards
  • Minimum Limit: $5,000.00
  • Maximum Limit: $30,000.00
  • Minimum Repayment: 0.00% / $0.00
  • Minimum Age: 18
  • Minimum Income: 35000
  • Subject to terms and conditions
  • Cash Advance Rate: 21.74%
  • Additional Card Fee: $0.00
  • Over Limit Fee: $0.00
  • Duplicate Statement Fee: $0.00
  • Late Payment Fee: $0.00
  • Foreign Exchange Fee: $0.00
  • Foreign Balance Check Fee: $0.00
  • Foreign Emergency Replacement Fee: $0.00
Citibank
Enjoy up to 60,000 bonus Qantas Points6 when you apply by 31 July 2014 [Show more]
20.74%
4.90%
for up to 9 months
$700.00
with an annual $49 fee for the Citibank Qantas rewards program
X
  • Apply for a Citibank Qantas Select Credit Card today and receive 60,000 bonus reward points when you first spend on your card.
  • Categories: Frequent Flyer, Low Rate, Rewards
  • Minimum Limit: $18,000.00
  • Maximum Limit: $100,000.00
  • Minimum Repayment: 0.00% / $0.00
  • Minimum Age: 18
  • Minimum Income: 120000
  • Rewards Points: $1 = 1 QFF point, $1 = 2 Citi Rewards points
  • Signup Bonus: 60,000 Citi Rewards points
  • Subject to terms and conditions
  • Cash Advance Rate: 21.24%
  • Additional Card Fee: $0.00
  • Over Limit Fee: $40.00
  • Duplicate Statement Fee: $7.00
  • Late Payment Fee: $10.00
  • Foreign Exchange Fee: $5.00
  • Foreign Balance Check Fee: $0.00
  • Foreign Emergency Replacement Fee: $0.00
Virgin Money
Velocity Points on everyday purchases, up to 44 interest free days, Visa payWave, up to 4 additional cards, a competitive purchase rate, all for $64 p.a*. [Show more]
20.74%
20.74% interest rate
2.90%
2.9% p.a. for the first 6 months , reverting to the cash advance rate after 6 months, currently 20.99% p.a.
$129.00
$129 fee charged annually.
X
  • This card offers great value for people who love to travel.
  • Categories: Frequent Flyer, Rewards
  • Minimum Limit: $6,000.00
  • Maximum Limit: $100,000.00
  • Minimum Repayment: 0.00% / $20.00
  • Minimum Age: 18
  • Minimum Income: 35000
  • Rewards Points: Earn 1 Velocity Point, per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2.
  • Signup Bonus: Earn up to 15,000 bonus Velocity Points. 7,500 bonus Points when you make a retail purchase within 3 months of card approval. Additional 7,500 bonus Points when you spend $5000 within 3 months. See te
  • Subject to terms and conditions
  • Cash Advance Rate: 0.00%
  • Additional Card Fee: $39.00
  • Over Limit Fee: $40.00
  • Duplicate Statement Fee: $0.00
  • Late Payment Fee: $10.00
  • Foreign Exchange Fee: $5.00
  • Foreign Balance Check Fee: $0.00
  • Foreign Emergency Replacement Fee: $0.00
Virgin Money
Visa Platinum Concierge service, up to 44 interest free days, Visa payWave, up to 4 additional cards, A competitive purchase rate all for @289. [Show more]
20.74%
20.74% Purchase rate applies.
1.90%
for the first 12 months
$289.00
The $289 fee charged annually.
X
  • If you fly with Virgin Australia, why not buy with the Virgin Australia Velocity Cards - the credit cards with rewards that take off. Choose the one that suits you best.
  • Categories: Frequent Flyer
  • Minimum Limit: $15,000.00
  • Maximum Limit: $100,000.00
  • Minimum Repayment: 0.00% / $20.00
  • Minimum Age: 18
  • Minimum Income: 75000
  • Rewards Points: Earn 1.25 Velocity Points per $1 spent, uncapped
  • Subject to terms and conditions
  • Cash Advance Rate: 20.99%
  • Additional Card Fee: $89.00
  • Over Limit Fee: $40.00
  • Duplicate Statement Fee: $0.00
  • Late Payment Fee: $10.00
  • Foreign Exchange Fee: $5.00
  • Foreign Balance Check Fee: $0.00
  • Foreign Emergency Replacement Fee: $0.00
Citibank
50,000 reward points on approval [Show more]
20.99%
2.90%
2.9% for 6 months
$299.00
$299 for life (normally $395)
X
  • The Signature Card - reward yourself because you can.
  • Categories: Frequent Flyer, Rewards
  • Minimum Limit: $0.00
  • Maximum Limit: $0.00
  • Minimum Repayment: 0.00% / $0.00
  • Minimum Age: 18
  • Minimum Income: 75000
  • Rewards Points: $1 = 1.5 Citibank Rewards
  • Subject to terms and conditions
  • Cash Advance Rate: 21.74%
  • Additional Card Fee: $0.00
  • Over Limit Fee: $40.00
  • Duplicate Statement Fee: $7.00
  • Late Payment Fee: $10.00
  • Foreign Exchange Fee: $0.00
  • Foreign Balance Check Fee: $0.00
  • Foreign Emergency Replacement Fee: $0.00
Citibank
Low BT offer and reward points. [Show more]
20.99%
0.00%
for up to 16 months
$89.00
X
  • Enjoy great rewards with the Citibank Rewards Credit Card - Classic
  • Categories: Balance Transfer, Rewards
  • Minimum Limit: $2,000.00
  • Maximum Limit: $30,000.00
  • Minimum Repayment: 0.00% / $0.00
  • Minimum Age: 18
  • Minimum Income: 25000
  • Rewards Points: 1 point for every $1 spent on all eligible purchases
  • Subject to terms and conditions
  • Cash Advance Rate: 21.74%
  • Additional Card Fee: $0.00
  • Over Limit Fee: $40.00
  • Duplicate Statement Fee: $0.00
  • Late Payment Fee: $10.00
  • Foreign Exchange Fee: $5.00
  • Foreign Balance Check Fee: $0.00
  • Foreign Emergency Replacement Fee: $0.00
Citibank
Generous points earning ratio of $1 = 2 Skywards Miles for Emirates flights [Show more]
20.99%
0.00%
0% for 9 months
$229.00
First year half price
X
  • From inspiration to destination and everything in between, enjoy premium travel benefits with the Emirates Citibank World Card.
  • Categories: Balance Transfer, Frequent Flyer, Rewards
  • Minimum Limit: $5,000.00
  • Maximum Limit: $100,000.00
  • Minimum Repayment: 0.00% / $0.00
  • Minimum Age: 18
  • Minimum Income: 75000
  • Rewards Points: $1 = 1.5 Skywards Miles International, $1= 1 Skywards Miles domestic, $1 = 2 Skywards Miles on Emirates spend
  • Signup Bonus: 15,000 Skywards Miles points
  • Subject to terms and conditions
  • Cash Advance Rate: 21.24%
  • Additional Card Fee: $0.00
  • Over Limit Fee: $40.00
  • Duplicate Statement Fee: $7.00
  • Late Payment Fee: $40.00
  • Foreign Exchange Fee: $5.00
  • Foreign Balance Check Fee: $0.00
  • Foreign Emergency Replacement Fee: $0.00
Citibank
Pay 0% interest for 24 Months on Balance Transfers. [Show more]
21.74%
0.00%
0% for24 Months with 3% BT Fee
$199.00
X
  • The Platinum card - reward yourself with savings.
  • Categories: Balance Transfer, Platinum, Rewards
  • Minimum Limit: $0.00
  • Maximum Limit: $100,000.00
  • Minimum Repayment: 0.00% / $0.00
  • Minimum Age: 18
  • Minimum Income: 40000
  • Rewards Points: $1 = 1.25 Citibank Rewards points
  • Subject to terms and conditions
  • Cash Advance Rate: 21.74%
  • Additional Card Fee: $0.00
  • Over Limit Fee: $40.00
  • Duplicate Statement Fee: $7.00
  • Late Payment Fee: $10.00
  • Foreign Exchange Fee: $5.00
  • Foreign Balance Check Fee: $0.00
  • Foreign Emergency Replacement Fee: $0.00