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Minimise Your Credit Card Costs

If you find yourself in the situation that you are unable to pay your credit card debt balance off each month then there are steps you can take to reduce your interest charges. .....
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Not all credit cards are created equally. And so it makes it that much harder to decide which credit card offer to choose. There are many factors you sh.....
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Credit Cards
 Credit Card Balance Transfers
 Watch out for the 'revert rate' on balance transfer offers
 Watch for different interest rates on the one card
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 Don't compare against the so-called 'standard variable rate'
 Look out for 'deferred establishment fees'
 

Currently you are unable to apply online from CreditMart  for the Westpac Low Rate Credit Card. Therefore we have provided a comparison between two similar low rate credit cards in the Nab Low Rate Credit Card and the Aussie Credit Card

Nab is currently offering 0% on purchases for 6 months, and 0% on balance transfers for up to 6 months

 

Compare Results
 
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Institution NAB Aussie Westpac Banking Corporation
Product Name Low Rate Visa Card Aussie MasterCard Low Rate
Card Type V M V, M
Status Level Standard Standard Standard
Account Type Credit Credit Credit
Purchase Rate
(% p.a.)
(0% intro)
11.99%
11.24 12.75
Cash Advance Rate
(% p.a.)
18.39 15.24 18.23
Intro Rate 0% p.a. 0 0
Intro Term 6 months 0 0
Balance
Transfer
Rate
0% p.a. for up to 6 months 0% for 6 months from date of card approval. 3.99% for 6 months
Interest
Free
Days
55 55 55
Min Repayment $10 / 2.5% $10 or 2% 2%
Annual
Card
Fee($)
49 49 45
Annual Rewards Fee      
Late Payment Fee 30 35 35
Duplicate Statement Fee 7 14 7.5
Trans Verification Fee 5 0 0
Reinstatement Fee 0 0 0
Over Limit Fee 25 35 35
Over Limit Fee Charged When Over   1  
OS ATM Fee Balance 0 0 0
OS ATM Fee Withdrawal 4 4 0
OS Emergency Card Fee 20 50 0
Interest Charged From Purchase Date Purchase Date Purchase Date
Annual Fee Waiver      
Overseas ATM Availability Visa Plus Cirrus, Maestro Visa Plus, Cirrus
Interest Paid On Credit Balance True False False
Purchase Insurance False False False
Auto Travel Insurance      
Loan Application Fee Discount False False False
Comments - Emergency Travel Assistance 24 hours a day, 7 days a week    
Rewards Program False False False
Program Name      
Program Partners      
Points per Dollar 0 0 0
Bonus Points Avail False False False
Bonus Point Partners      
Number of Bonus Points 0 0 0
Lifetime of Points (mths) 0 0 0
Conditions      
Conversion to Frequent Flyers False False False
Rewards to Frequent Flyer Ratio      
Domestic Airlines      
International Airlines      
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