Offers include 0% balance transfers up to 32 months; a 1-3% transfer fee often applies.
Bonus points offers can exceed 100,000, or get hundreds in cashback, with initial spend requirements.
Carefully review offer expiry, any spend requirements and ongoing annual fees before applying.
Introductory credit card offers can help you save money, earn more points or get cash back to your account when you sign up. Here are some of the top offers on the market.
Balance Transfer Offer
Latitude Low Rate Mastercard - Balance Transfer Offer
Receive 40,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months and an extra 40,000 points when you keep your card for over 12 months (up to 80,000 points total).
Up to 80,000 bonus Qantas Points
2 complimentary Qantas Club Lounge invitations per year
1 Qantas Point per $1 spent up to and including $7,500 per statement period, then 0.5 Qantas Points / $1 spent
You need to keep the card over 12 months to collect all the bonus points offered
The standard annual account fee of $370 p.a. is high.
When you spend over $7,500 per statement period, the earn rate drops from 1 point per $1 spent to 0.5 points per $1.
Rewards program
Qantas Frequent Flyer
Annual fee
$370
Purchase rate p.a.
20.99%
Welcome offer
Up to 80,000 Bonus Points
Interest-free period
Up to 44 days on purchases
Balance transfer p.a.
21.99%
Bonus points
80,000
Rewards points per $ spent
1
Foreign currency conversion fee
3.5%
⭐ How to get this offer:
Apply during the offer period. While there is no specified date that this offer will end, it's only available for a limited time.
Spend $6,000 on eligible purchases in the first 3 months from approval to get the 40,000 bonus Qantas Points and back offer.
You can get an additional 40,000 bonus points when you keep your card for over 12 months.
Include your Qantas Frequent Flyer membership number on the application. If you're not a member, you can join for free upon application.
Earn 70,000 bonus Qantas Points when you apply online by 17 November 2026, are approved, and spend $5,000 on eligible purchases within the first 3 months and an additional 50,000 points when you spend a further $5,000 on eligible purchases within the first 3 months of paying your second-year annual fee (up to 120,000 points total).
Up to 120,000 bonus Qantas Points
Up to 2.25 Qantas Points per $1 spent on eligible purchases in Australia, uncapped
$450 Qantas Travel Credit each year
High $450 annual fee
High 23.99% p.a. interest rate for purchases
3.5% foreign currency conversion fee
Rewards program
Qantas Frequent Flyer
Annual fee
$450
Purchase rate p.a.
23.99%
Welcome offer
Up to 120,000 bonus Qantas Points
Interest-free period
Up to 44 days on purchases
Balance transfer p.a.
N/A
Bonus points
120,000
Rewards points per $ spent
1.25
Foreign currency conversion fee
3.5%
⭐ How to get this offer:
Apply by 17 November 2026 as a new Amex card member. This means you can't have a current American Express credit card, or have held one in your name in the past 18 months.
Spend $5,000 on eligible purchases in the first 3 months from approval to get the 120,000 bonus Qantas Points.
The bonus Qantas Points will typically be credited to your account within 8 to 10 weeks of meeting the spend requirement.
Save with 0% p.a. interest on balance transfers for the first 18 months, with a one-time 2% balance transfer fee.
No annual fee
0% p.a. on balance transfers for 18 months
Uncapped reward points
2% balance transfer fee
High 22.74% p.a. interest rate for balance transfers after the introductory period
3.4% foreign currency fee
Rewards program
Kogan Rewards Program
Annual fee
$0
Purchase rate p.a.
21.99%
Welcome offer
0% Balance Transfer Offer
Interest-free period
Up to 44 days on purchases
Balance transfer p.a.
0% for 18 months with 2% bt fee, then 22.74%
Bonus points
N/A
Rewards points per $ spent
1
Foreign currency conversion fee
3.4%
⭐ How to get this offer:
Apply through Finder during the offer period. While there is no specified date that this exclusive offer will end, it's only available for a limited time.
Charges a 2% balance transfer fee.
A balance transfer request will be processed from a minimum of $500 up to 80% of your approved credit limit.
Get $75 cashback each month when you spend at least $1,000/month for the first 6 months from approval (up to $450 cashback). Plus, 6.99% p.a. on balance transfers for 12 months.
Up to $450 cashback offer
$7 monthly card fee
Shopping cashbacks through ShopBack
Cashback offer could make it tempting to spend more than usual
No rewards program
Does not offer travel perks or insurance covers
Rewards program
N/A
Annual fee
$84
Purchase rate p.a.
13.99%
Welcome offer
Up to $450 Cashback Offer
Interest-free period
Up to 55 days on purchases
Balance transfer p.a.
6.99% for 12 months, then 21.99%
Bonus points
N/A
Rewards points per $ spent
N/A
Foreign currency conversion fee
3%
⭐ How to get this offer:
Apply during the offer period. While there is no specified date that this offer will end, it's only available for a limited time.
Spend $1,000 on eligible purchases each month for the first 6 months to get up to $450 cashback.
The $450 cashback will be credited to your account as a statement credit within 90 days of meeting the spend requirement.
Save with 0% p.a. for 24 months on balance transfers (with a 3% balance transfer fee).
Balance transfer offer of 0% p.a. for 24 months
A low ongoing 12.99% p.a. purchase rate
No foreign transaction fees on overseas purchases
Does not include a rewards program
Cash advance rate of 21.99% p.a.
Charges a 3% balance transfer fee
Rewards program
N/A
Annual fee
$59
Purchase rate p.a.
12.99%
Welcome offer
0% Foreign Transaction Fees
Interest-free period
Up to 55 days on purchases
Balance transfer p.a.
0% for 24 months with 3% bt fee, then 12.99%
Bonus points
N/A
Rewards points per $ spent
N/A
Foreign currency conversion fee
0%
⭐ How to get this offer:
Apply during the offer period. While there is no specified date that this offer will end, it's only available for a limited time.
Charges a one-time 3% balance transfer fee.
This card gives you a way to save on overseas travel costs with 0% foreign transaction fees and overseas travel insurance, with the option of upgraded cover through Cover-More.
Get 190,000 bonus Qantas Points plus $200 in your Qantas Business Rewards Travel Fund when you apply through the link on Finder and spend $6,000 on eligible purchases in the first 3 months. Offer will end on 01 September 2026.
190,000 bonus Qantas Points plus $200 in your Qantas Business Rewards
Complimentary travel insurance
2 complimentary domestic Qantas Club lounge passes per year (after eligible Qantas spend)
The standard $450 annual fee is relatively high
3.5% foreign currency conversion fee
Rewards program
Qantas Business Rewards
Annual fee
$450
Purchase rate p.a.
N/A
Welcome offer
190,000 Bonus Qantas Points and $200 in your Qantas Business Rewards Travel Fund
Interest-free period
Up to 51 days on purchases
Balance transfer p.a.
N/A
Bonus points
190,000
Rewards points per $ spent
1.25
Foreign currency conversion fee
3.5%
⭐ How to get this offer:
Be a new American Express card member. This means you can't have an Amex card in your name now, or have had one in the past 18 months.
Spend $6,000 in the first 3 months to get 190,000 bonus Qantas Points.
Provide your Qantas Business Rewards membership details. The 190,000 bonus points will be added to your account 8-10 weeks after the spend criteria is met.
How to choose a credit card offer
You can get heaps of value from an introductory offer, but there are a few things to watch out for. Asking these questions before you apply can help you choose a deal that gives you the biggest bang for your buck:
When does the offer end?
Make sure you have enough time to apply, and that the offer hasn't expired already. If there's no date when the offer ends, just double-check the details before you apply.
How much time do I have to get value from this offer?
If it's a 0% interest rate offer, check how many months you'll get before a higher rate applies. For bonus points, look at how long you have to meet the spend requirement.
Can I realistically meet the requirements?
A bonus points offer won't be worth it if you can't meet the spend requirement or don't want to pay the annual fee.
For balance transfer offers, the annual fee and any balance transfer fee add to your costs and may mean you take longer to pay off the balance. So you need to consider that when looking at how many months you get interest-free.
What are the card's standard features?
Checking these features helps you avoid getting stuck with a card you don't want after the introductory period. Key features to check include:
The ongoing annual fee
The interest rate for purchases
The revert rate for balance transfers
How many points you'll earn per $1 spent
Any other perks or features you want, such as complimentary travel insurance
Our expert says: New customers get the best deals
"Introductory offers represent some of the best value in credit cards you can get. The catch? You often have to be a new customer to get these great deals. But plenty of people (we call them "churners") jump from card to card, chasing great introductory offers. There are many banks and card companies you can move between. And luckily, many of them only specify that you can't have had a card with them in the last 2 years or 18 months. "
How can I apply for a promotional credit card offer?
Each introductory offer has some requirements you'll need to meet to be eligible. The criteria varies but usually you'll need to:
Be a new customer. Introductory offers are usually for new credit card customers. For example, American Express introductory offers are only available if you haven't had an Amex card for at least 18 months.
Apply before the offer ends. Many promotional credit card offers are only available when you apply by a specific date. And deals that don't list an end-date can change at any time.
Get approved for the card. To get approved, you'll need to meet the card's eligibility criteria. Each card is different but there are usually requirements around your Australian residency status, income and credit score. Banks and issuers need to consider these details to make sure they meet their responsible lending requirements.
Meet the offer requirements. To get bonus points or cash back you'll usually need to meet a spend requirement, such as $3,000 in the first 90 days.
Tip: Keep an eye out for the phrase "up to" with big bonus point offers. It usually means you'll need to meet a spend requirement when you first get the card, then keep it open for at least a year (and pay the annual fee).
What types of introductory credit card offers can I get?
0% balance transfer
If you're already paying off a card, a 0% balance transfer credit card can help by offering an introductory, interest-free period for the first 6 to 32 months. After that, a higher rate applies if you're still paying off the balance. Some of these deals also charge a one-time balance transfer fee worth around 1-2% of the debt you transfer.
0% interest on purchases
If you're planning to pay for some big-ticket items, a credit card offering 0% interest on purchases means you can buy it and pay no interest for an introductory period. Depending on the credit card deal, this could give you 3 to 20 months to pay off your purchases interest-free (but higher rates apply after that).
No annual fee or reduced first-year fee
This type of credit card promotion can save you tens or hundreds of dollars by offering a $0 or reduced annual fee in the first year. After that, the ongoing annual fee is charged – so it's kind of like "trying before you buy".
Bonus points
Rewards credit cards can offer up to 200,000 bonus points when you apply as a new cardholder. These bonus point promotions typically have a spend requirement in the first few months, and sometimes you need to keep the card at least 12 months to get all the points.
Bonus frequent flyer points
Many frequent flyer credit cards also offer bonus points on sign-up, including some that give you enough Qantas or Velocity Points to fly overseas. As well as a spending requirement, you'll need to include your frequent flyer membership details to get the bonus points.
Cashback
Cashback offers usually put money back on your new credit card or give you a gift card when you meet a spend requirement. The amount you get back can range from around $30 to $250 or more.
Other introductory offers
Sometimes, credit card companies will offer more unique deals for new cardholders. For example, gold frequent flyer status, a reduced annual fee fee for life or a mix of different introductory offers.
We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
Frequently asked questions
Introductory credit card deals are meant to be appealing but they shouldn't be the only reason you get a new credit card.
Even when a card has the biggest bonus points offer or the longest 0% introductory rate, you still need to look at the fine print and the card's ongoing features. This helps you avoid paying more than you want on a spend requirement, balance transfer fee, interest charges or annual fee.
The biggest credit card introductory offers usually don't last long, and could change every 1-3 months. But some credit card deals last for over 12 months, and others are only available through particular websites. So it varies a lot between cards.
If there's an offer you want to apply for, check the date it ends. And if no date is listed, check the details listed on the application page before you apply to make sure it's the same offer.
Focus on deals that match up with your goals. This helps you narrow down the choice of cards and get as much value as possible from the one you choose.
For instance, if you want to save money then no annual fee or a 0% interest offer makes sense. If you're dreaming of an overseas flight in business class, bonus points on a rewards or frequent flyer credit card can help you get there.
Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024.
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