6 Month Interest Free Credit Card

Want to save on card costs? Here’s how you can get 6 months interest free on a credit card with an introductory 0% p.a. offer.

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Mother and daughter paying for groceries with credit card.

If you're looking for a new credit card, you could enjoy 6 months interest-free on purchases or a balance transfer when you get a card that has a 0% p.a. introductory offer. Some of these cards also offer more than 6 months interest-free as part of the introductory period. Here, you can compare interest-free credit card offers, learn how 6 months interest-free periods work on credit cards and get answers to some frequently asked questions about this type of credit card offer.

Compare interest-free credit cards

Data indicated here is updated regularly
$
Name Product Purchase rate Balance transfer rate Annual fee Interest-free period Amount saved
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
Up to 55 days on purchases
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
Citi Clear Card
0.9% for 15 months, reverts to 14.99% p.a.
0.9% p.a. for 15 months
$99
Up to 55 days on purchases
Save with 0.9% p.a. for 15 months on purchases and balance transfers. Plus, complimentary purchase insurance cover.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 10.99% p.a.
2.99% p.a. for 9 months
$49
Up to 55 days on purchases
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
NAB StraightUp Card
N/A
$0
Save with 0% interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
Bankwest Breeze Platinum Mastercard
0% for 15 months, reverts to 10.99% p.a.
2.99% p.a. for 9 months
$69
Up to 55 days on purchases
Get 0% interest on purchases for 15 months, complimentary travel insurance and no foreign transaction fees.
Bank of Melbourne Amplify Platinum
0% for 7 months, reverts to 19.74% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($99 p.a. thereafter)
Up to 55 days on purchases
Enjoy 0% p.a. on purchases and balance transfers along with a $0 first year annual fee waiver.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% for 14 months, reverts to 20.74% p.a.
0% p.a. for 6 months
$64 annual fee for the first year ($129 p.a. thereafter)
Up to 55 days on purchases
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first-year annual fee and Velocity Points per $1 spent.
Bank of Melbourne Vertigo Classic
0% for 7 months, reverts to 13.99% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($55 p.a. thereafter)
Up to 55 days on purchases
Save with 0% p.a. for 7 months on purchases, 0% p.a. interest for 22 months on balance transfers and a $0 first-year annual fee.
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Frequently asked questions

Learn how these credit cards work and get answers to the most frequently asked questions.

How does a 0% for 6 months credit card offer work?

If you're approved for a credit card that charges 0% on purchases or balance transfers, the interest-free period will begin as soon as the card is activated. You won't be charged interest on the relevant balance for the first 6 months that you hold the card. Each month, your statement will detail how much longer the interest-free period will apply.

How will a credit card with 6 months interest free benefit me?

These cards charge no interest on purchases, balance transfers or both for 6 months. You can take advantage of one of these offers to save on credit card costs, avoid debt or repay an existing credit card balance faster with no interest. You can use the comparison table above to enter in how much you plan to spend and sort the cards by how much you could potentially save.

What transactions will qualify for no interest?

This depends on the type of card you get. If it offers 0% on purchases, everyday transactions such as grocery shopping, travel bookings and online shopping won't be charged interest for 6 months. Eligible purchases don't include cash advance transactions (such as ATM withdrawals or gambling purchases).

If the card offers 0% on balance transfers, the debt that you move across from your existing card won't collect interest for the promotional period. However, other transactions such as purchases and cash advances will be charged the relevant interest rates.

What happens when the interest-free promotion has ended?

When the interest-free period ends – after the first 6 months or longer, depending on the offer – any outstanding balances from your purchases or balance transfers will be charged interest at the revert rate. This is usually the standard purchase rate for purchases (between 8.99% p.a. and 21% p.a.) and the cash advance rate for balance transfers (usually 17.99-20.99% p.a.).

Do I have to make any repayments with an interest-free offer?

Even if your card charges 0% interest, you need to make repayments each month. You're required to make the minimum monthly repayment each month (which is usually around 2% or 3% of the outstanding balance) or you'll be charged a late payment fee. However, it's wise to pay off as much as you can and create a repayment plan for yourself to ensure that you clear the debt before interest applies. For example, let's say that your card charges 0% on purchases for 6 months and you plan to spend $2,000. You would need to repay around $333 each month to clear the balance before the 6-month interest-free period ends.

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4 Responses

  1. Default Gravatar
    AaronMarch 6, 2018

    Hi,

    Im looking for a credit card with a three month interest free period that is ongoing (not just introductory)

    Do you know of any products that are on offer?

    • Avatarfinder Customer Care
      DeeMarch 7, 2018Staff

      Hi Aaron,

      Thanks for your question.

      Upon checking, we don’t have any credit card in our panel that offers up to 3 months of ongoing interest-free period.

      We do have credit cards with up to 55 interest-free days. You may check them on this page.

      Cheers,
      Anndy

  2. Default Gravatar
    GauravdeepDecember 29, 2014

    Can you please advise me which card offers 6 months interest free attributes. My income is 94K yearly, let me know which one i can apply for.

    • Avatarfinder Customer Care
      ElizabethDecember 29, 2014Staff

      Hi Guaravdeep,

      Thanks for your question.

      You can compare 0% p.a. for six month balance transfer credit cards on this page, as well as balance transfer offers for other periods. You can also compare purchase offer credit cards on this page (it features cards with 6 months+ purchase rate offers).

      In terms of what cards you’re eligible for, we list the eligibility criteria on the bottom of each of our review pages. When you find a card you like the sound of, click ‘more’ to read an independent review and see if you’re eligible. When you’re ready to know more about applying, click ‘Go to Site’.

      I hope this has helped.

      Thanks,

      Elizabeth

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Skye Mastercard - Exclusive Offer
23.99% p.a.
0% p.a. for 25 months
$99
Finder Exclusive
Save with 0% p.a. on balance transfers for 25 months, up to 110 days interest-free on purchases and flexible instalment plan options.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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