Credit card offers available for a limited time

Introductory credit card offers can help you save money, earn more points or get cash back to your account when you sign up. To kick-start your comparison, here are Finder's top picks for the most popular types of credit cards.

$0 Annual Fee & Balance Transfer Offer

Kogan Money Card – Exclusive Offer

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0% Balance Transfer Offer

$0
Annual fee

20.99%
Purchase rate

• Info
• Pros & cons
• Details

Get 0% p.a. interest for the first 18 months on balance transfers, with a one-time 1% balance transfer fee. Offer ends 31 January 2024.

• No annual fee
• 0% p.a. on balance transfers for 18 months
• Uncapped reward points
• Complimentary Kogan First membership

• Balance transfer offer has a 1% BT fee
• High 21.74% p.a. interest rate for balance transfers after the introductory period
• No interest-free days if you have a balance transfer
• Purchase interest rate of 20.99% p.a. is relatively high

Rewards program	Kogan Rewards Program
Annual fee	$0
Purchase rate p.a.	20.99%
Welcome offer	0% Balance Transfer Offer
Interest-free period	Up to 55 days on purchases
Balance transfer p.a.	0% for 18 months with 1% bt fee, then 21.74%
Bonus points	N/A
Rewards points per $ spent	1
Foreign currency conversion fee	3.4%

0% Purchase Offer

Bankwest Breeze Classic Mastercard

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0% Interest Offers

$49
Annual fee

12.99%
Purchase rate

• Info
• Pros & cons
• Details

Offers 0% p.a. interest for the first 12 months on both purchases and balance transfers (with a 2% BT fee).

• 0% p.a. on purchases for 12 months, then 12.99% p.a.
• 0% p.a. on balance transfers for 12 months
• Digital card issued upon approval

• Charges a 2% balance transfer fee
• Charges a 2.95% foreign transaction fee

Rewards program	N/A
Annual fee	$49
Purchase rate p.a.	12.99%
Welcome offer	0% Interest Offers
Interest-free period	Up to 55 days on purchases
Balance transfer p.a.	0% for 12 months with 2% bt fee, then 12.99%
Bonus points	N/A
Rewards points per $ spent	N/A
Foreign currency conversion fee	2.95%

0% Foreign Fees Offer

Latitude 28° Global Platinum Mastercard

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0% Foreign Currency Conversion Fees

$0
Annual fee

26.99%
Purchase rate

• Info
• Pros & cons
• Details

Save with an ongoing $0 annual fee and no international transaction fees on purchases. Plus, complimentary flight delay passes and global data roaming.

• Ongoing $0 annual fee
• 0% foreign currency conversion fees on purchases
• Free global data roaming with Flexiroam
• Complimentary Flight Delay Pass

• High purchase interest rate of 26.99% p.a.
• Charges a payment handling fee of $0.95 for BPAY payments and $3.95 for payment at Australia Post. You can avoid the fee by using Latitude’s Online Service Centre or via direct debit.

Rewards program	N/A
Annual fee	$0
Purchase rate p.a.	26.99%
Welcome offer	0% Foreign Currency Conversion Fees
Interest-free period	Up to 55 days on purchases
Balance transfer p.a.	N/A
Bonus points	N/A
Rewards points per $ spent	N/A
Foreign currency conversion fee	0%

Rewards Offer

Coles No Annual Fee Mastercard

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20,000 Bonus Flybuys Points

$0
Annual fee

19.99%
Purchase rate

• Info
• Pros & cons
• Details

Get 20,000 bonus Flybuys points when you spend $3,000 in the first 90 days on this $0 annual fee credit card. Plus, save with 0% p.a. interest on purchases for the first 6 months. Offers will end on 31 January 2024.

• 20,000 bonus Flybuys points
• 0% p.a. on purchases for 6 months
• Ongoing $0 annual fee
• Earn Flybuys points for your spending

• Flybuys points earn rate is low at the equivalent of 0.5 points per $1 spent
• 19.99% p.a. interest rate on purchases after the introductory period
• 2.5% foreign transaction fee

Rewards program	Flybuys
Annual fee	$0
Purchase rate p.a.	19.99%
Welcome offer	20,000 Bonus Flybuys Points
Interest-free period	Up to 55 days on purchases
Balance transfer p.a.	19.99%
Bonus points	20,000
Rewards points per $ spent	0.5
Foreign currency conversion fee	2.5%

Low Rate Offer

St.George Vertigo Card - Cashback Offer

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Up to $400 Cashback Offer

$55
Annual fee

13.99%
Purchase rate

• Info
• Pros & cons
• Details

Get 10% cashback (up to $400 total cashback) when you shop at any eligible supermarket. Plus, 6.99% p.a. on balance transfers for 12 months. Offers will end on 30 April 2024.

• Up to $400 cashback offer
• A low ongoing annual fee
• Competitive purchase interest rate of 13.99% p.a.
• Additional cardholder at no extra cost

• 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	$55
Purchase rate p.a.	13.99%
Welcome offer	Up to $400 Cashback Offer
Interest-free period	Up to 55 days on purchases
Balance transfer p.a.	6.99% for 12 months, then 21.49%
Bonus points	N/A
Rewards points per $ spent	N/A
Foreign currency conversion fee	3%

Business Offer

American Express Qantas Business Rewards Card

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100,000 Bonus Qantas Points Offer

$450
Annual fee

N/A
Purchase rate

• Info
• Pros & cons
• Details

Get 100,000 bonus Qantas Points when you spend $3,000 on eligible purchases in the first 2 months.

• 100,000 bonus Qantas Points
• No pre-set spending limit and up to 51 days cash flow
• Complimentary travel insurance
• 2 complimentary domestic Qantas Club lounge passes per card membership year

• $450 annual fee
• 3% foreign currency conversion fee

Rewards program	Qantas Business Rewards
Annual fee	$450
Purchase rate p.a.	N/A
Welcome offer	100,000 Bonus Qantas Points Offer
Interest-free period	Up to 51 days on purchases
Balance transfer p.a.	N/A
Bonus points	100,000
Rewards points per $ spent	1.25
Foreign currency conversion fee	3%

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

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.
• Include the necessary details when you apply. For example, if you're applying for a balance transfer offer, you usually need to include details of the debt you want to transfer. And if you're applying for a frequent flyer sign-up bonus, you'll need to include your membership details.
• 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 34 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.

Compare more credit card offers

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We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

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Name	Product	Balance transfer rate p.a.	Purchase rate p.a.	Bonus points	Annual fee	Amount Saved
Bankwest Breeze Classic Mastercard		0% for 12 months with 2% balance transfer fee, then 12.99%	0% for 12 months, then 12.99%	N/A	$49	Amount Saved No savings	Save with 0% p.a. on purchases and balance transfers for 12 months (with a 2% BT fee).	Go to site More Info	Compare	loading Fetching your data...
Kogan Money Card – Exclusive Offer Exclusive		0% for 18 months with 1% balance transfer fee, then 21.74%	20.99%	N/A	$0	Amount Saved No savings	Get 0% p.a. on balance transfers for 18 months with a 1% balance transfer fee. Plus an ongoing $0 annual fee.	Go to site More Info	Compare	loading Fetching your data...
Coles No Annual Fee Mastercard		19.99%	0% for 6 months, then 19.99%	20,000	$0		Get 20,000 bonus Flybuys points (worth $100 Flybuys Dollars) and 0% interest on purchases for the first 6 months.	Go to site More Info	Compare	loading Fetching your data...
Latitude 28° Global Platinum Mastercard			26.99%	N/A	$0		Save with 0% international transaction fees on purchases. Plus, complimentary Flight Delay Pass and global data roaming.	Go to site More Info	Compare	loading Fetching your data...
Bankwest Breeze Platinum Mastercard		0% for 12 months with 2% balance transfer fee, then 12.99%	0% for 12 months, then 12.99%	N/A	$69	Amount Saved No savings	Get 0% p.a. interest on purchases and balance transfers for 12 months (with a 2% BT fee). Plus 0% foreign fees and complimentary overseas travel insurance.	Go to site More Info	Compare	loading Fetching your data...
Westpac Low Rate Card		0% for 28 months, then 21.49%	13.74%	N/A	$59	Amount Saved No savings	Save with a 0% p.a. interest rate on balance transfers for 28 months. Plus, a low 13.74% p.a. purchase interest rate.	Go to site More Info	Compare	loading Fetching your data...
Virgin Australia Velocity Flyer Card - Balance Transfer Offer		0% for 24 months, then 20.99%	20.74%	N/A	$0 first year ($129 after)	Amount Saved No savings	Get 0% p.a. on balance transfers for 24 months (with no BT fee) and a $0 annual fee in the first year.	Go to site More Info	Compare	loading Fetching your data...
American Express Velocity Business Card			0%	100,000	$249		ABN holders w/ $75,000 revenue. Get 100,000 bonus Velocity Points when you spend $3,000 in the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
American Express Qantas Business Rewards Card			0%	100,000	$450		ABN holders w/ $75k revenue. Earn 100,000 bonus Qantas Points when you spend $3,000 in the first 2 months.	Go to site More Info	Compare	loading Fetching your data...
Qantas American Express Ultimate Card			23.99%	60,000	$450		Get 60,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.	Go to site More Info	Compare	loading Fetching your data...
Qantas Premier Platinum		0% for 12 months, then 21.99%	19.99%	80,000	$349 first year ($399 after)	Amount Saved No savings	Earn up to 80,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers.	Go to site More Info	Compare	loading Fetching your data...
Westpac Low Rate Card - Cashback Offer			13.74%	N/A	$59		A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.	Go to site More Info	Compare	loading Fetching your data...

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Frequently asked questions

• Is it worth getting a credit card for the introductory offer?

  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.

• How often do offers change?

  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.

• How do I get the best deal on a credit card?

  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.

Why you can trust Finder's credit card experts

We're free

Our comparison tables are completely free to use. We link you directly to the lender's secure application page. Better still, we regularly have exclusive offers that you won't find on any other site.

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We've researched and rated hundreds of cards as part of our Finder Awards. We've published 200+ guides and our in-house experts regularly appear on Sunrise, 7News and SBS News.

We're independent

Unlike other comparison sites, we're not owned by a bank or lender. That means our opinions are our own and you can compare nearly every credit card in Australia on Finder.

We're here to help

Since 2012, we've helped almost 6 million people find a credit card by comprehensively comparing offers. We'll never ask for your personal information. We're here to help you make a decision.

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