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Credit card offers available for a limited time

Find a deal on your next credit card with bonus points, 0% balance transfers, no annual fees and more.

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.

Balance Transfer Offer

Citi Clear Card - Exclusive Offer

0% Balance Transfer Offer & First-Year Annual Fee Discount
$49
Annual fee
14.99%
Purchase rate
Get 0% p.a. interest on balance transfers for 24 months with a one-time 1.5% BT fee and a discounted $49 first-year annual fee.
  • 0% p.a. on balance transfers for 24 months
  • Discounted $49 first-year annual fee
  • Extended warranty and purchase insurance options
  • Up to 4 additional cardholders at no extra cost
  • Charges a one-time 1.5% BT fee
  • Balance transfer reverts to a high 22.24% p.a. cash advance rate
  • $99 annual fee after the first year
  • No rewards program or travel insurance
Rewards program N/A
Annual fee $49 for the first year ($99 thereafter)
Purchase rate p.a. 14.99%
Welcome offer 0% Balance Transfer Offer & First-Year Annual Fee Discount
Interest-free period Up to 55 days on purchases
Balance transfer p.a. 0% for 24 months with 1.5% bt fee, then 22.24%
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee 3.4%

How to get this offer:

  • Apply through the link on Finder.
  • Be a new Citi Clear Credit Card customer.
  • Request a balance transfer for a minimum of $500, up to 80% of your approved credit limit from a non-Citi credit card, personal loan or other unsecured lending product issued in Australia.
  • The 0% p.a. interest rate and 1.5% balance transfer fee apply to balances transferred within 90 days from card approval, for a period of 24 months from the date the balance transfer is processed.
  • Remember: Any balance transfer debt that's left after the 24-month introductory period will attract the card's 22.24% p.a. standard cash advance rate.

Rewards Offer

Qantas Premier Platinum

Up to 80,000 Bonus Points
$349
Annual fee
19.99%
Purchase rate
Receive 60,000 bonus Qantas Points when you spend $3,000 on eligible purchases in the first 3 months and an additional 20,000 bonus points if you haven’t earned Qantas Points with a credit card in the last 12 months. Plus, $50 off the first year's annual fee and a balance transfer offer option. Ends on 01 May 2024.
  • Up to 80,000 bonus Qantas Points
  • Up to 2 Qantas Points per $1 spent
  • Balance transfer offer of 0% p.a. for 12 months
  • Discounted $349 first-year annual fee
  • The standard $399 annual fee is relatively high
  • You will not get interest-free days on purchases if you’re carrying a balance transfer debt
  • While most Australian spending earns 1 point per $1, anything over $10,000 in a statement period earns a lower rate of 0.5 points per $1
Rewards program Qantas Frequent Flyer
Annual fee $349 for the first year ($399 thereafter)
Purchase rate p.a. 19.99%
Welcome offer Up to 80,000 Bonus Points
Interest-free period Up to 55 days on purchases
Balance transfer p.a. 0% for 12 months, then 21.99%
Bonus points 80,000
Rewards points per $ spent 1
Foreign currency conversion fee 3%

How to get this offer:

  • Apply by 01 May 2024.
  • Spend $3,000 on eligible purchases in the first 3 months from approval to get the 60,000 bonus Qantas Points.
  • You can get an additional 20,000 bonus points if you haven't earned Qantas Points with a credit card in the last 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.

$0 Annual Fee & Balance Transfer Offer

Kogan Money Card – Exclusive Offer

0% Balance Transfer Offer
$0
Annual fee
20.99%
Purchase rate
Get 0% p.a. interest for the first 18 months on balance transfers, with a one-time 1% balance transfer fee. Offer ends 30 June 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%

How to get this offer:

  • Apply through the link on Finder by 30 June 2024.
  • Transfer a minimum of $500, up to 80% of your approved credit limit.
  • Charges a one-time 1% balance transfer fee.
  • Remember: Any balance transfer debt that's left after the 18-month introductory period will attract the card's 21.74% p.a. cash advance rate.

0% Purchase Offer

Bankwest Breeze Classic Mastercard

0% Interest Offers
$49
Annual fee
12.99%
Purchase rate
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%

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.
  • The 0% interest rate for purchases will apply to all purchases made in the first 12 months.
  • For the 0% balance transfer offer, the introductory period applies from the date the card is open regardless of when the balance transfer is processed. The 2% balance transfer fee applies to all balances transferred during the offer period.
  • Balance transfer a minimum of $500 up to 95% of your approved credit limit.

0% Foreign Fees Offer

Latitude 28° Global Platinum Mastercard

0% Foreign Currency Conversion Fees
$0
Annual fee
27.49%
Purchase rate
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 27.49% p.a.
  • Charges a payment handling fee of $1.95 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. 27.49%
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%

How to get this offer:

  • Use Latitude 28° Global Platinum Mastercard to shop or travel in a foreign currency overseas or online.
  • For the flight delay pass, your flight needs to be registered for each leg of your trip, with multi-leg trips requiring separate registrations.

Low Rate Offer

St.George Vertigo Card - Cashback Offer

Up to $400 Cashback Offer
$55
Annual fee
13.99%
Purchase rate
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 31 July 2024.
  • Up to $400 cashback offer
  • A low ongoing annual fee
  • Shopping cashbacks through ShopBack
  • 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%

How to get this offer:

  • Apply by 31 July 2024.
  • Get 10% cashback as a statement credit when you shop at major supermarkets and petrol stations for the first 6 months (capped at $400).
  • The statement credit will be added to your account within 30 days of each eligible spend.

Business Offer

American Express Qantas Business Rewards Card

170,000 Bonus Qantas Points Offer
$450
Annual fee
N/A
Purchase rate
Get 170,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months. Offer ends on 25 June 2024.
  • 170,000 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 170,000 Bonus Qantas Points Offer
Interest-free period Up to 51 days on purchases
Balance transfer p.a. N/A
Bonus points 170,000
Rewards points per $ spent 1.25
Foreign currency conversion fee 3%

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 170,000 bonus Qantas Points.
  • Provide your Qantas Business Rewards membership details. The 170,000 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

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?

Balance transfer

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

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

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".

Reward points

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.

Frequent flyer rewards

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

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.

Offers

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

1 - 12 of 22
Name Product Balance transfer rate p.a. Purchase rate p.a. Bonus points Annual fee Amount Saved
St.George Vertigo Card
0% for 28 months with 1% balance transfer fee, then 21.49%
13.99%
N/A
$55
No savings
Get a 0% p.a. interest rate on balance transfers for 28 months (with a 1% balance transfer fee).
Kogan Money Card – Exclusive Offer
0% for 18 months with 1% balance transfer fee, then 21.74%
20.99%
N/A
$0
No savings
Get 0% p.a. on balance transfers for 18 months with a 1% balance transfer fee. Plus an ongoing $0 annual fee.
Qantas Premier Platinum
0% for 12 months, then 21.99%
19.99%
80,000
$349 first year ($399 after)
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.
Citi Clear Card - Exclusive Offer
0% for 24 months with 1.5% balance transfer fee, then 22.24%
14.99%
N/A
$49 first year ($99 after)
No savings
Offers 0% p.a. on balance transfers for 24 months (with 1.5% balance transfer fee) and a $49 first-year annual fee.
Westpac Low Rate Card
0% for 28 months with 2% balance transfer fee, then 21.49%
13.74%
N/A
$59
No savings
Save with a 0% p.a. interest rate on balance transfers for 28 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.
Coles No Annual Fee Mastercard - Bonus Points Offer
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.
Qantas Premier Everyday
0% for 12 months with 2% balance transfer fee, then 21.99%
19.99%
8,000
$99
No savings
Get 2 bonus Qantas Points per $1 spent on eligible purchases in the first 4 months (up to 8,000 points), plus complimentary insurance.
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.
American Express Velocity Business Card
0%
200,000
$249
ABN holders w/ $75,000 revenue. Get 200,000 bonus Velocity Points when you spend $5,000 in the first 2 months.
American Express Qantas Business Rewards Card
0%
170,000
$450
(ABN holders w/ $75k revenue). Earn 170,000 bonus Qantas Points when you spend $6,000 in the first 3 months.
ANZ Platinum Credit Card
21.99%
20.99%
N/A
$0 first year ($87 after)
Get $300 back on your card when you spend $1,500 on eligible purchases in the first 3 months and a $0 first-year annual fee. Plus, complimentary overseas travel insurance.
ANZ Rewards Black Credit Card
21.99%
20.99%
180,000
$375
Get 180,000 bonus ANZ Reward Points (worth $800+ in digital gift cards) and $150 back when you spend $3,000 in the first 3 months.
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