Defined Terms and Documents       

Lowest Interest Rate Purchase & Cash Advance Credit Cards means Dubious Credit Card Comparison Websites informs there are half a dozen or so Credit Card comparison websites which assert to inform readers of the best Credit Card Products.  Some are more objective than some others, mindful that they all receive fee income, or subscriptions, from the Credit Card Issuers.

The below supposed accredited 'financial adviser website' seems a little less conflicted. 

          'Money magazine' winners - 2014 Best of the Best Awards  ('Money' magazine seems to be an on-line publication of www.ninemsn.com.au)

Below is an extract from Mozo's Best Low Rate Credit Card which appears 'not materially conflicted' which lists three very low interest/fees cards and calculates total fees and interest based on "...5 years assuming a continuous interest-accruing balance of $4,400":

The below 'financial adviser website' provided by the AFR seems the most creditworthy. 

        Smart Investor - Blue Ribbon Awards 2013: The Winners 

Below is an extract from the above URL which also lists another three Credit Cards that do not charge Usurious Interest Rates:

Community First Credit Union

Low Rate Visa Credit Card

4.74%p.a* on retail purchases, cash advances and balance transfers for 9 months

Thence, 8.99% on Purchases and Cash Advances
Annual Fee $40

Up to 55 days  interest free on Purchases

Victoria's Teachers Mutual Bank - Visa Classic Credit Card
Interest rate 13.19% for both Purchases and Cash Advances at 2 June 2014
Annual Fee Nil

Up to 55 days  interest free on Purchases

Greater Building Society Greater Visa Credit Card

11.95% on Purchases and Cash Advances

Annual fee $40

Up to 55 days  interest free on Purchases

Five of the above listed six Credit Card Products recommended by Mozo's Best Low Rate Credit Card and/or AFR's Smart Investor - Blue Ribbon Awards 2013: The Winners -

  •  charge the same interest rate on both Purchases and Cash Advances which are between 8.99% and 11.95%;

  •  levy an annual fee between Nil and $40; and

  •  provide up to 55 days interest free on Purchases, provided the full Outstanding Indebtedness is repaid by the prescribed monthly repayment date.