Credit Cards for Poor Credit

Are you worried that you can't improve your financial situation due to poor credit? Well, you don't need to, just because you currently have poor credit doesn't mean that you won't qualify for a credit card. All you need to do is let us help you get creative, and find a card that will help to boost your credit score. We have an extensive list of credit card issuers that will offer you credit even if you have poor credit. The reason for this is that they know that they are providing a financial tool to help customers as you get back on the right track. So, if you have poor credit, and want to improve your overall rating and finances, check out some fantastic deals listed below.

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    ANZ Low Rate Credit Card
    • New cardholders can enjoy 0% p.a. on balance transfers for the first 15 months with no balance transfer fee. Any unpaid balances at the end of the introductory period will revert to the standard variable balance transfer rate of 21.74% p.a. You can balance transfer from $100 up to 95% of your available credit limit from non-ANZ, Australian credit, charge or store cards.
    • A variable rate of 12.49% p.a. on purchases means that you can save money on interest fees each month when compared to cards with higher purchase rates.
    • Apple Pay and Google Pay let you use your Apple or Android device to tap and pay with your eligible ANZ credit card.
    • ANZ offers a money-back guarantee on all losses that result from unauthorised or fraudulent transactions on the account. ANZ also offers customer service 24 hours a day to further ensure protection.
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    Bankwest Breeze Classic Mastercard
    • $0 first year annual fee. Save with an annual fee waiver for the first year ($79 p.a. thereafter).
    • Balance transfer offer. If you're a new Bankwest Breeze Mastercard customer, you can repay an existing debt and save with 0% p.a. interest on balance transfers for 26 months. A one-time 2% balance transfer fee applies. Any remaining debt will collect the standard balance transfer rate of 12.99% p.a. at the end of the promotional period. You can transfer up to 95% of your approved credit limit from non-Bankwest accounts.
    • Introductory 0% purchase rate. New customers can save with 0% p.a. interest on purchases for the first 6 months. Any remaining balance after this period attracts the standard purchase rate of 12.99% p.a.
    • Free digital card. 24 hours after you've been approved, you can log into the Bankwest app to activate and start to use your card digitally before your physical card arrives in the mail. This means you can use your card to shop online or in-store with Google Pay.
      Free worldwide emergency replacement.
    • If your card is lost or stolen, Bankwest can arrange an emergency replacement at no additional cost.
    • Low minimum credit limit. If you're looking to keep your spending contained, the Breeze comes with a low minimum credit limit of $1,000.
    • Mobile wallet and contactless payments. This card can be linked to Google Pay, available on compatible Android devices. You can also purchase a Bankwest Halo payment ring and use it to tap and go at any contactless payment terminal. Available in black or white, the ring costs $39, is secure, waterproof and doesn't require an app or charging.
    • Interest-free days. You can enjoy up to 55 days interest-free on purchases when you pay your balance in full by the due date. You won't qualify for interest-free days on purchases if you're paying off a balance transfer.
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    CUA Low Rate Credit Card
    • $0 annual fee for the first year. Customers can save more money with the CUA Low Rate card's waived annual fee for the first year (reverts back to $49 p.a. thereafter).
    • Balance transfer offer. If you have credit cards that charge high interest rates and are thinking about transferring their balances, you can take advantage of this card’s special introductory rate on balance transfers that will stay in place for 13 months. At the end of the introductory period, any outstanding balance from balance transfers will attract interest at the card's cash advance rate.
    • Easy access to funds and account information. Given its Mastercard connection, you can use this card just about anywhere in the world, at EFTPOS terminals and at ATMs. All you have to do is look for the Mastercard logo. If you see the PayPass logo, you can use this card to make contactless payments of under $100. Accessing account related information is easy, and you can do so via online and phone banking.
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    NAB Low Rate Credit Card
    • Purchase rate promotion. You can pay off your plastic without forking out any interest with the introductory offer of 0% for the first 6 months. At the end of the promotional period, any unpaid balances from your purchases will start collecting the standard purchase rate.
    • Low purchase rate. This card has a relatively low standard purchase rate of 13.99% p.a.
    • Interest-free period. If you pay your balance in full by the statement due date, you could save with up to 55 interest-free days on purchases.
    • Visa perks. As a Visa card, you can use your card worldwide wherever Visa is accepted and take advantage of special offers on shows, events, experiences and more with Visa Entertainment.
    • Additional cardholders. With the NAB Low Rate Card, you can add an additional cardholder at no extra cost. This can come in handy if you need additional cards to manage your family or business' expenses, but remember that the primary cardholder is held accountable for all of the purchases made with both cards.
    • 0% p.a. balance transfer offer. With the NAB Low Rate Card, you will receive a balance transfer rate of 0% p.a. for 6 months with a 2% balance transfer fee (reverts to the cash advance rate thereafter). With NAB, you can transfer 90% of your approved credit limit.
    • Eligible for Samsung Pay. You can link your NAB credit card with Samsung Pay to make contactless payments using your qualifying Samsung device at the checkout.
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    St.George Amplify Credit Card
    • 0% p.a. for 14 months. Enjoy a 0% p.a. purchase interest rate for the first 14 months when you apply and get approved by 22 May 2019. At the end of the introductory period, the variable purchase interest rate of 19.49% p.a. will apply to any remaining balance.
    • Choice of Qantas or Amplify rewards. Cardholders can earn 1 Amplify Point or 0.5 Qantas Points for every dollar spent on eligible purchases, uncapped.
    • Additional card. Customers can also receive an additional card at no extra cost.
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    Bank of Melbourne Amplify Card
    • 0% p.a. for 14 months. Enjoy a 0% p.a. purchase interest rate for the first 14 months when you apply and get approved by 22 May 2019.
    • Amplify Rewards. You will earn 1 Amplify Point per $1 spent if you link your card to the Amplify Rewards program.
    • Amplify Qantas. With Amplify Qantas program, you will earn 0.5 Qantas Points for every $1 spent on your card.
    • Redeeming points. You can redeem Amplify Rewards through travel rewards, including domestic and international flights on major airlines, accommodation, holiday packages and more through Amplify Travel. Other options include redeeming airline points or miles through Virgin’s Velocity program, Singapore Airlines’ Krisflyer or Malaysia Airlines’ Enrich program. The Amplify Qantas program, on the other hand, lets you redeem points for flight upgrades, award seats, plus a range of other travel-related rewards. You can also redeem Qantas Points with one of their 35 partner airlines plus redeem award seats on Jetstar flights.
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    BankSA Vertigo Classic
    • Balance transfer offer. When you transfer an existing credit card debt from a non-BankSA, Bank of Melbourne or St.George credit card onto the BankSA Vertigo Classic, you get 0% p.a. interest for up to 16 months with no balance transfer fee. This offer will end on 22 May 2019 and after the introductory period expires, any remaining balances will accrue interest at the variable cash advance rate. You can transfer up to 80% of your approved credit limit and you must still make minimum repayments.
    • Low interest rate. This card comes with a low variable interest rate of 13.74% p.a. on purchases.
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    Bankwest Zero Platinum Mastercard
    • $0 p.a. annual fee. Unlike most platinum cards, the Bankwest Zero Platinum Mastercard doesn't charge an annual fee.
    • No foreign transaction fees. While most cards charge a fee of 1-4% for international transactions, the Bankwest Zero Platinum charges 0%. This could help you save significantly if you regularly travel overseas or frequently shop online with international merchants.
    • Complimentary international credit card travel insurance. Purchase your return travel tickets using the Bankwest Zero Platinum and you and your eligible family members can enjoy complimentary international credit card travel insurance. Cover is automatically provided for a period of up to 6 months, and starts from the date of departure on your return ticket. You’re insured for overseas medical and dental expenses as well as a range of other events. Check the terms and conditions for further information about this complimentary benefit. A minimum spend of $500 on prepaid travel is required and other terms and conditions apply, so make sure you refer to the Complimentary Credit Card Insurance booklet available on the Bankwest website for more information.
    • Balance transfer offer. This card offers 2.99% p.a. on balance transfers for the first 9 months. After that, any remaining balance will attract interest at the standard balance transfer rate of 17.99% p.a. Keep in mind that you can only transfer balances from non-Bankwest cards.
    • Purchase insurance covers. This card offers you protection against faulty and damaged personal goods bought anywhere in the world with the card, with a maximum cap of $125,000 on claims. You also get extended warranty on purchases for up to 12 months.
    • Technological Extras. This card can be linked to Google Pay, available on compatible Android devices. You can also purchase a Bankwest Halo payment ring and use it to tap and go at any contactless payment terminal. Available in black or white, the ring costs $39, is secure, waterproof and doesn't require an app or charging.
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    BankSA Vertigo Platinum
    • Balance transfer offer. New customers who apply by 22 May 2019 can pay down their debt with lower interest with a 0% p.a. for 26 months balance transfer offer. You will be charged a one-time 2% balance transfer fee. After the promotional period, any balances remaining will be charged at the variable cash advance rate. Note that you cannot transfer balances from existing BankSA, Bank of Melbourne, or St.George credit cards.
    • $0 first year annual fee. Take advantage of a waived annual fee for the first year when you apply and get approved by 22 May 2019. A standard annual fee of $99 p.a. will apply thereafter.
    • Purchase cover insurance. Purchase cover insurance is designed to provide 3 months’ protection against the theft, loss or damage of selected new purchases.
    • Extended warranty insurance. Use this complimentary policy to extend the manufacturer’s expressed Australian warranty by 12 months.
    • Price guarantee cover. If you buy an item but then find it being sold cheaper within 21 days of purchase, this cover will ensure that you are refunded the difference in price.
    • Overseas travel insurance. This policy provides up to 6 months of cover for any overseas travel, providing essential protection against a range of common travel risks.
    • 24/7 Visa Platinum Concierge. The Concierge Service gives cardholders access to their own personal assistant, offering travel, entertainment and lifestyle services no matter where you are in the world.
    • Additional cardholder. You can add an additional cardholder to your Vertigo Platinum account for free.
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Transaction Fees

Annual Fee: You may find some credit card options which charge yearly fees, but not all of them do. The types of credit cards which typically have yearly fees include premium credit cards, subprime credit cards, and secured credit cards. The fee amount charged per year will vary. Some fees start at $0 and go up to $500. It all depends on which type of credit card you apply for.

Regular Purchase APR: When you make a standard purchase with your credit card, the amount charged gets added to your revolving debt balance. On top of that, there is a certain amount of interest which gets added to this balance too. This interest is called the annual percentage rate, or APR. Your credit rating greatly influences your APR, which is why the percentage fluctuates regularly. People with perfect credit may only have to pay 10% APR while people with terrible credit pay up to 35% APR. For this reason, it is important to review all the terms and conditions on your credit card application prior to signing it. Make sure you know the true APR after the initial trial period expires. Sometimes these credit card companies will try to lure you in with 0% APR for 12 months, but they won’t tell you what the APR is after those 12 months. You must look for it in the fine print.

Intro Purchase APR: When you see a credit card plan which offers an introductory purchase APR of 0%, this doesn’t necessarily mean it’s a trick. Sometimes you’ll find some good low-interest credit card plans which charge 0% APR for the first 6 months, 12 months, or sometimes even longer. This means that all your credit card purchases within this time period won’t have interest charges added onto the debt balance. However, once the introductory period expires, the standard purchase APR will then apply. Again, check the terms and conditions to see what this APR is.

Balance Transfer Fee: If you owe money on multiple loans or credit cards, you can clear this debt by moving it to another credit card which has more available credit. This is basically a way to consolidate your debt so that you only owe money on one account instead of several accounts. However, whenever you transfer your debt balances to another account, you must pay a balance transfer fee of anywhere between 3% and 5% of the total transferred debt amount. For instance, if you owe a total of $10,000 on all your loan and credit card accounts, a 5% balance transfer fee on this amount would cost you $500.

Regular Balance Transfer APR: Sometimes a credit card company will offer a regular balance transfer APR to new credit card account holders instead of a balance transfer fee. This balance transfer APR is usually a generous deal which ranges from 0% to a very low APR. However, this low balance transfer APR is only available for a limited introductory time period. This could last for 6 months, 12 months, or longer. Once the introductory period is over, the normal rates apply.

Cash Advance Fee: If you want to take out a cash advance on your credit card, you will either be charged 3% to 5% on the transaction amount or a fixed fee of between $5 and $15 per transaction. The greater amount of the two is the one you will pay. For instance, if you take a $200 cash advance on a credit card which charges a cash advance fee of 10% or $5, you will end up paying 10% because that is the greater amount. In this case, the cash advance fee is $40.

Credit Terms

TheCreditWiki, can make searching for the best card far easier, especially when you need to consider several factors. You may not be aware, but there are a few cards that have APR rates that you will need to review before signing the contract with the bank or lender. You will also need to consider financing costs, and anticipate what you are going to need the card for, is it going to be a single one-off purchase, or do you want to carry a monthly balance? Understanding the potential financial implications is crucial, for example, if you don't make your required monthly or bulk payment by the agreed date, then your financing costs will increase. If this happens, you will incur several costs – such as paying the full current balance, and fees to the credit card issuer/bank. Another important factor is interest fees. Please be aware that they can fluctuate; they can shift from as low as 0% to as high as 35%. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions. TheCreditWiki strive to provide our customers with the most current, and up-to-date information, regarding rates, benefits and many more. Please do remember that the credit card offers that we have listed, are displayed without guarantee. If you want to affirm the terms and conditions, click on "Apply Now." You will be able to learn more about the full credit card offer, on a secured page that will be supplied by the card issuer(s). You will see the list of the best credit cards options currently available on the market listed below. We have provided you with all the relevant information about each provider to ensure that you will make an informed and confident decision.

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When searching for the best credit card TheCreditWiki can help you to make the best decision based on your lifestyle and financial history. TheCreditWiki is a free service and promotes bolstered credit examination, through a comparison entity. The offers that you will see on thecreditwiki.net are from organizations, which thecreditwiki.net will receive remuneration.

About our Ratings

Our reimbursement sometimes impacts the surveys, but it is only the order that the classifications appear in, and nothing else. They will appear on our featured pages, but you can still opt to use the best option for you, and we strive to provide this regardless of the compensation that we may receive.
Please be aware, that this may affect the order in which these credit offers appear. Also, thecreditwiki.net does consider the restrictive guidelines of each lender, and the probability of the consumers' credit history. They will take this information into account, and will decide how, and when the credit cards offer will appear on the site.

General Disclaimer

We advise you to review your credit card application for specific references of the terms and conditions. We will always endeavor to provide the most relevant and up-to-date information. However, please be aware that all credit card offered displayed are not guaranteed. If you wish to confirm the full terms & conditions, please click on the "Apply Now" link. If you select the link, it will open a secure page provided by the card issuer(s) which will explain your credit card offer in more detail.

Our Editors

Here at TheCreditWiki, we have a team of editors who supply unbiased ratings of various credit card offers. The components used to rate the offers accordingly are; offer purchasers, expenses, financing costs & which credit card the application is related too. Please be aware that all of the evaluations are completed using a master supposition from our editors. Our editors are not affected by any compensation that our receives from the credit card issuer.

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