Finder's best interest-free credit card offers for November
Updated 6 November 2023 by Finder's senior credit card writer, Amy Bradney-George.
Australians are paying more interest on their credit cards in 2023, with Finder analysis of Reserve Bank of Australia data showing the average credit card balance accruing interest was $1,363 in August 2023, up 2.67% compared to the same time last year. On top of that, some credit card interest rates now as high as 26.99% p.a. for purchases.
But one way to save on this cost is by getting a card with an introductory 0% interest rate for purchases, existing balances you transfer, or both. Here's our pick of offers in the Finder database:
- 0% p.a. purchase rate and no annual fee offer:
The Coles No Annual Fee Mastercard offers 0% interest on purchases for the first 6 months and no annual fee ever. It also offers 20,000 bonus Flybuys points when you spend $3,000 on eligible purchases in the first 90.
- 0% p.a. purchase and balance transfer offer:
The Virgin No Annual Fee Credit Card offers 0% interest on purchases and balance transfers for 12 months, with no balance transfer fee.
- 0% p.a. purchase rate and rewards:
The Citi Rewards Card earns 1 point per $1 on eligible spending (up to $10k per statement in Australia) and offers 0% interest on purchases for 12 months when you apply by 30 April 2024.
Keep in mind: There's no one best credit card for everyone, so check details that matter to you.