The Lowest rate APR credit card for Australia on 2nd of July 2012 is currently the CitiBank Clear Platinum which is offering: up to 6 months interest free on purchases and balance transfers, find out more here:

Citibank Clear Platinum - Citibank Australia

Typical Deal
Balance Transfer: 0% for 6 months
Interest Free Spending: 0% for 6 months
Annual Cost: $49 (for first year) $99 after that
Typical Interest Rate: 11.99% p.a.

Apply now for a Citibank Clear Platinum credit card and save with 0% for six months on balance transfers, and up to six months on purchases and cash advances. Continue the savings with a low ongoing rate of 11.99% p.a. on retail purchases after the promotional period.
Plus new card holders will also receive a half price annual fee of $49 in your first year.
You will also enjoy a free bottle of award winning wine every time you dine at partner restaurants with Citibank's Dining Program.


Suitable if you'd like:
A low introductory rate of 0% for six months on balance transfers, and up to six months on purchases and cash advances. After the introductory period standard variable interest rates will apply and any unpaid balance transfer amount will revert to the cash advance rate.
Half price annual fee of $49 in your first year (usually $99).
A free bottle of award winning wine every time you dine at partner restaurants with Citibank's Dining Program.
Complimentary International Travel Insurance and Transit Accident Insurance.
Complimentary Purchase Cover Insurance, Extended Warranty Insurance and Guaranteed Pricing Scheme.
Generous credit limits of up to $60,0005 subject to credit criteria.