Low Cash Advance Rate Credit Cards

When using cash advances on your credit card is unavoidable, compare these cards for a competitive cash advance interest rate and low associated fees.

Andrew Boyd avatar
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Vidhu Bajaj avatar
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David Boyd avatar
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Updated 17 Apr 2025   |   Rates updated regularly

Comparing of 12 low cash advance rate credit cards

Community First Bank Low Rate Visa Credit Card

Not available for application via this website

Cash Advance Rate

8.99% p.a.

Cash Advance Fee

$3.00

Minimum Credit Limit

$500.00

Annual fee

$50.00 p.a. ongoing

Details

  • Benefit from a competitive interest rate of 8.99% p.a. for both purchases and cash advances.
  • For the initial 12 months, enjoy a 0% rate on Balance Transfers with a corresponding 0% balance transfer fee. Afterwards, it reverts to the cash advance rate of 8.99% p.a.
  • An annual fee of $50 is applicable.

Pros & cons

Pros
  • Low-interest rates.
  • Up to 55 interest-free days.
  • Limits are available from $500 to $15,000.
Cons
  • No rewards program.
ING Orange One Low Rate Credit Card

Not available for application via this website

Cash Advance Rate

12.99% p.a.

Cash Advance Fee

$3.00

Minimum Credit Limit

$1,000.00

Annual fee

$0.00 p.a. ongoing

Details

  • No annual fee and a low 12.99% p.a. variable rate on purchases.
  • Add cardholder for $10 p.a.
  • Avoid ING international transaction fees by depositing at least $1,000 a month into your ING accounts (excluding Living Super and Orange One) and making 5+ settled card purchases.

Pros & cons

Pros
  • No annual fee.
  • Competitively low interest rate of 12.99% p.a. on purchases and cash advances.
  • Variable 9.99% p.a. on instalments.
  • No international transaction fee.

Cons
  • Additional cardholder comes at a cost.
  • Minimum credit limit of $6,000.
Heritage Gold Low Rate Credit Card

Not available for application via this website

Cash Advance Rate

11.8% p.a.

Cash Advance Fee

$2.50

Minimum Credit Limit

$1,000.00

Annual fee

$0.00 p.a. ongoing

Details

  • $0 p.a. annual fee.
  • Enjoy low interest of 11.80% p.a. on purchases.
  • Benefit from comparatively low cash advance rates at 11.80%, lower than the standard rate of many other cards.

Pros & cons

Pros
  • No annual fee.
  • Low-interest rate.
  • 0% p.a. for 12 months on balance transfers with no balance transfer fee on amounts transferred (reverts to 11.80% p.a. thereafter).
Cons
  • No interest-free days.
  • Not entitled to participate in Heritage Rewards program.
Bank First Visa Classic Credit Card

Not available for application via this website

Cash Advance Rate

12.54% p.a.

Cash Advance Fee

$2.50

Minimum Credit Limit

$2,000.00

Annual fee

$0.00 p.a. ongoing

Details

  • $0 annual fee per annum.
  • Get up to 55 days interest-free on purchases.
  • Access exclusive offers on food, travel, entertainment, and more.

Pros & cons

Pros
  • The competitive purchase rate and cash advance rate of 12.54% p.a.
  • $0 p.a. annual fee.
  • Enjoy up to 55 interest-free days on purchases.
Cons
  • There is no rewards program on this card.
Woolworths Team Bank Visa Credit Card

On Woolworths Team Bank's website

Cash Advance Rate

13.45% p.a.

Cash Advance Fee

$1.50

Minimum Credit Limit

$2,000.00

Annual fee

$0.00 p.a. ongoing

Details

  • Provides a low ongoing interest rate of 13.45% per annum on balance transfers, cash advances, and purchases.
  • No annual fee is charged.
  • Enjoy up to 55 days interest-free on purchases.

Pros & cons

Pros
  • Low ongoing interest rates.
  • No annual fee.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
  • No EFTPOS transaction fees.
Cons
  • No rewards program.
  • No complimentary insurance coverage.
  • No balance transfer offer.
MONEYME Freestyle Virtual Card

Not available for application via this website

Cash Advance Rate

18.74% p.a.

Cash Advance Fee

1.5%

Minimum Credit Limit

$1,000.00

Annual fee

From $0.00 p.a. ongoing

Details

  • Use virtual card instantly once approved (typically within 60 mins).
  • Tap n Pay with up to 55 days interest-free.
  • Use credit to transfer money to anyone.
  • Exclusive features.
  • Thousands of 5-star customer reviews.

Bank promo

  • Get MONEYME's lowest advertised rate EVER of 18.74% p.a.
  • Annual fee of $0 to $149 p.a. based on credit limit plus a monthly fee of $5 for balances over $20.

Pros & cons

Pros
  • Available to use immediately after approval.
  • Money can be transferred to your bank account.
  • Get cashback at participating stores with Cashrewards.
Cons
  • The maximum credit limit is comparatively low.
  • Combination of annual and monthly fees can be quite expensive for the highest credit limit.
  • There is a 1.5% withdrawal fee.
Bank Australia Low Rate Visa Credit Card

Not available for application via this website

Cash Advance Rate

12.99% p.a.

Cash Advance Fee

$3.50

Minimum Credit Limit

$1,000.00

Annual fee

$59.00 p.a. ongoing

Details

  • Enjoy the advantage of a competitive 12.99% p.a. interest rate for both purchases and cash advances.
  • Plus, benefit from an annual fee of only $59.00.
  • Your credit journey starts with a minimum credit limit of $1,000, ensuring accessibility and flexibility.

Pros & cons

Pros
  • Low 12.99% p.a. interest rate on purchases.
  • Cash advances are also charged at the competitively low rate of 12.99% p.a.
  • Annual fee of $59 p.a.
  • Minimum credit limit of $1,000.
Cons
  • No interest-free days at all.
Bank Australia Visa Credit Card

Not available for application via this website

Cash Advance Rate

19.74% p.a.

Cash Advance Fee

$3.50

Minimum Credit Limit

$1,000.00

Annual fee

$0.00 p.a. ongoing

Details

  • Lifetime exemption from annual fees.
  • Maintain a fixed interest rate of 19.74% p.a. for purchases and cash advances.
  • Benefit from up to 55 days interest-free.

Pros & cons

Pros
  • No annual fee.
  • A competitive 19.74% p.a interest rate on purchases.
  • Low 19.74% p.a. rate also applies to cash advances.
  • Up to 55 days interest free.
  • Works with Apple Pay, Google Pay, and other digital wallets.
Cons
  • No balance transfer offer available.
  • Doesn't earn rewards or have a welcome bonus.
Newcastle Permanent Value+ Credit Card

Not available for application via this website

Cash Advance Rate

11.99% p.a.

Cash Advance Fee

$2.50

Minimum Credit Limit

$500.00

Annual fee

$49.00 p.a. ongoing

Details

  • Low-interest rate of 11.99% p.a. on purchases, cash advances, and balance transfers.
  • Enjoy up to 55 days interest-free on purchases.
  • Add up to 3 additional cards at no extra cost.

Pros & cons

Pros
  • Low annual fee.
  • Competitive low interest rate.
  • Enjoy up to 55 days interest-free on purchases.
  • Get up to 3 additional cards at no extra cost.

Cons
  • There is a foreign currency conversion fee of 3%.
  • Doesn't have an interest-free balance transfer offer.
Qudos Bank Visa Lifestyle Credit Card

Not available for application via this website

Cash Advance Rate

12.59% p.a.

Cash Advance Fee

N/A

Minimum Credit Limit

$1,000.00

Annual fee

$0.00 p.a. ongoing

Details

  • Pay no annual fee for as long as you maintain the card.
  • Benefit from a 4.99% p.a. rate on purchases and balance transfers for 5 months (12.59% p.a. thereafter).
  • No additional card fees apply.

Pros & cons

Pros
  • The introductory rate of 4.99% p.a. for 5 months on purchases, cash advances and balance transfers.
  • Low standard interest rates.
  • $0 fee for an additional cardholder.
Cons
  • No interest-free days on purchases.
  • Longer balance transfer period offers are available.
  • Doesn't earn rewards or have any travel benefits.
ANZ Business Low Rate Credit Card

Not available for application via this website

Cash Advance Rate

14.49% p.a.

Cash Advance Fee

$1.50

Minimum Credit Limit

$1,000.00

Annual fee

$0.00 for 1st year

Details

  • The first-year annual fee is waived, saving you $100 upfront.
  • Low 12.99% p.a. on purchases and 14.49% p.a. on cash advances make it great for managing costs.
  • Add unlimited additional cardholders at no extra cost.

Pros & cons

Pros
  • The card offers low ongoing interest rates, making it a cost-effective option for carrying a balance.
  • Provides Unauthorized Transaction Insurance up to $37,500 per cardholder and $200,000 per account annually.
  • Offers 24/7 anti-fraud protection, keeping your transactions secure around the clock.
  • The starting credit limit is $1,000, helping you keep your spending in check
  • Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay
Cons
  • This card doesn’t offer an interest-free period, which could add costs if you don’t pay off your balance quickly.
  • There’s no rewards program or sign-up bonus, but it might suit those who prefer simplicity over perks.
  • An annual fee of $100 applies after the first year, which remains affordable.
NAB Low Rate Business Credit Card

Not available for application via this website

Cash Advance Rate

13.25% p.a.

Cash Advance Fee

$3.00

Minimum Credit Limit

$5,000.00

Annual fee

$0.00 for 1st year

Details

  • Get 12 months at 0% p.a. on purchases, then the rate reverts to 13.25% p.a.
  • The ongoing 13.25% p.a. rate on purchases and cash advances is relatively low.
  • You can easily add and manage multiple employee credit cards under one facility for streamlined tracking and control.

Pros & cons

Pros
  • The first year has no annual fee, saving you $60 upfront.
  • NAB Defence protects your account from credit card fraud.
  • Includes Unauthorized Transaction Insurance for added protection.
  • Unlock exclusive offers on shows, events, and movies with your Visa Credit Card.
  • Works with Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Samsung Pay.
Cons
  • This card doesn’t offer travel insurance, but it can still be a good option for those who don’t need it.
  • You will not earn rewards points, but it could be a practical choice for those who prefer a straightforward, low-cost card.

    As seen on

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