If you’ve been declined for credit cards before, you’re not alone. Some credit cards are designed specifically for Australians with low credit scores or past defaults.
| Card Type | Credit Requirement | Annual Fee | Interest Rate | Best For | |
|---|---|---|---|---|---|
| Low Credit Score Card | Low–Fair | $0–$59 | High | Rebuilding credit | View Options → |
| Secured Credit Card | Very Low | $0–$99 | Medium | Past defaults | View Options → |
| Low Limit Credit Card | Low | $0 | Medium–High | First-time approval | View Options → |