A credit card that gives you a very low ongoing interest rate on purchases of 11.99% p.a. As well as a low balance transfer^ rate of an amazing 0% for 6 months and the choice is clear, Citibank Clear Credit Card.

It's that time of year. The sales are in full swing, but your finances are still recovering from Christmas. Whatever your point of view, your summer budget will go further with HSBC's Low Rate Credit Card. Get a cool 0% p.a. on balances transferred~ until 1 January 2009** and pay no annual fee the first year with HSBC's Low Rate Credit Card. Hurry this offer ends on 30 June 2008! Plus the annual card fee is waived in the first year.

Be confident with your everyday credit card spend. 0% p.a. on balance transfers for the first 6 months from card approval ^.

0% p.a. on balance transfers for up to 6 months ...

Want to pay less interest? Then a Low Rate Credit Card could be right for you. With an ongoing low rate of just 13.24% p.a. for both purchases and cash advances you'll pay less interest on any outstanding balances you have each month, leaving you free to shop, pay bills and manage your general living expenses cost-effectively.

Interest rate of 12.99% p.a. on purchases

Earn 1 Reward Point for every $1 you repay to your balance, includes any balances transferred, interest and fees.

Low 10.99% p.a. on purchases* ...

What do we mean when we say an instant credit card?...

Instant approval is the method used by banks and credit card companies to take your application and instantly make a decision based on data they get from your online credit report.