Low rate credit cards can be the answer to keeping control of your finances. Having low rate credit cards in reserve for emergencies is like having a safety net – if you need immediate funds for a home repair or to fix your car, you don’t have to worry about paying a staggering rate of interest on the balance. Low rate credit cards can also come in handy if you have a gap in your income for any reason – sickness or an unexpected layoff – and you can pay it off later without a large amount of interest tacked on. More…
Another benefit of low rate credit cards is that they typically don’t have an annual fee. This means if you don’t use your ‘emergency card’ all year, you don’t have to pay for the privilege of simply being a cardholder. Check the fine print when comparing low rate credit cards, and select one that will give you the best value, whether you use it regularly to help you through lean times or only occasionally to cover unexpected costs.
With the BoQ Low Rate Visa Card you get a 13.49% pa Interest Rate.
With the BoQ Low Rate Visa Card you get a Balance Transfer Rate of 1.90% pa for 6 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the BoQ Low Rate Visa Card you get a 21.49% pa Cash Advance Rate.
With the BoQ Low Rate Visa Card you get up to 55 Interest Free days.
With the Citibank Clear Platinum Card you get a 11.99% pa Interest Rate.
With the Citibank Clear Platinum Card you get a Balance Transfer Rate of 2.90% pa for 12 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the Citibank Clear Platinum Card you get a 21.74% pa Cash Advance Rate.
With the Citibank Clear Platinum Card you get up to 55 Interest Free days.
The Citibank Clear Platinum Card has an Introductory Annual Fee of $49 for the 1st year then $99 thereafter.
These minimum requirements are intended as a guide only. Your application may still be rejected by the card issuer even if you can answer 'Yes' to all of these requirements. The final decision regarding your application is solely up to the card issuer.
