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  
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 6 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 70,000 Bonus Points6 when you apply by 06 January 2015 [Show more]
20.74%
0.00%
0% for 6 months
$700.00
with an annual $49 fee for the Citibank rewards program
X
  • Apply for a Citibank Prestige Credit Card today and receive 70,000 bonus reward points when you first spend on your card.
  • Categories: Balance Transfer, 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 = 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
60,000 reward points on first spend [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%
0% for 18 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