Introductory credit card offers for a limited time

From 0% interest rates to bonus points and reduced annual fees, compare credit cards with introductory offers to find one that suits your needs.

Introductory offers can help you get more value from a new credit card by giving you the chance to save on rates and fees, earn more points or get cash back to your account. Usually, these credit card offers are only available for a limited time and have specific requirements you need to meet when you first get the card.

It's important to weigh up offer details and look at the card's standard fees, rates and features to decide if it's worth it for you. Use this guide to compare current introductory offers and learn about the types of deals available so that you can choose a credit card that works for you.

Exclusive to finder.com.au - NAB Credit Card Offer

NAB Low Fee Platinum Card - Exclusive Offer

0% p.a. for 25 months
on balance transfers
Exclusive to finder.com.au

Offer ends 16 December 2018

Eligibility criteria, terms and conditions, fees and charges apply

Exclusive to finder.com.au - NAB Credit Card Offer

The NAB Low Fee Platinum Card features a range of platinum benefits and a long-term, no fee balance transfer offer exclusive to finder.com.au.

  • 0% p.a. on balance transfers for 25 months on a new NAB Low Fee Platinum Card. Reverts to cash advance rate (currently 21.74% p.a.)
  • No balance transfer fee
  • Receive seven complimentary insurance covers including overseas travel insurance, plus, access to the 24/7 NAB Concierge Service.
  • Must apply through finder.com.au to take advantage of this offer. BT must be requested upon application.
Finder Member Offer
Promoted

Comparison of credit cards with introductory offers

Rates last updated December 12th, 2018
$
% p.a.

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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
NAB Low Fee Platinum Card - Exclusive Offer
0% p.a. for 25 months
19.74% p.a.
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
Citi Clear Platinum Credit Card
0% p.a. for 14 months
12.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
Qantas Premier Everyday
0% p.a. for 9 months
0% p.a. for 9 months (reverts to 19.99% p.a.)
$49 p.a.
Take advantage of 20,000 bonus Qantas Points, a 0% p.a. purchase and balance transfer offers. Plus, complimentary overseas travel insurance.
Citi Simplicity Card
0% p.a. for 6 months
19.99% p.a.
$0 p.a.
Get 0% p.a. interest for up to 6 months on balance transfers with no BT fee. Plus, a $0 annual fee for life.
Qantas Premier Platinum
0% p.a. for 18 months
19.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 70,000 bonus Qantas points when you meet the spend criteria and 30,000 more when you pay the second year's annual fee (100,000 total).
Suncorp Clear Options Platinum Credit Card - Online Offer
0% p.a. for 18 months
20.74% p.a.
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
ANZ Low Rate
0% p.a. for 15 months
12.49% p.a.
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Citi Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months
0% p.a. for 13 months (reverts to 20.99% p.a.)
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
More info
HSBC Platinum Qantas Credit Card
0% p.a. for 12 months
19.99% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
Westpac Low Rate Card
0% p.a. for 24 months with 1% balance transfer fee
13.49% p.a.
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 6 months
0% p.a. for 14 months (reverts to 20.74% p.a.)
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
NAB Qantas Rewards Signature Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
Citi Platinum Credit Card
0% p.a. for 12 months
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 10,000 monthly bonus reward Points for 20 months (200,000 total), enjoy a 0% p.a. balance transfer offer, plus, a $49 first year annual fee.
St.George Vertigo Platinum - Online Offer
0% p.a. for 24 months
12.74% p.a.
$99 p.a.
Save with 0% p.a. interest for up to 24 months on balance transfers with no BT fee. Plus, platinum perks. Ends 17 December 2018.
Citi Rewards Platinum Credit Card - Online Offer
0% p.a. for 24 months with 1.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 24 month balance transfer offer, plus complimentary international travel insurance.
ANZ Platinum Credit Card
0% p.a. for 18 months with 2% balance transfer fee
19.74% p.a.
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
St.George Vertigo Classic
0% p.a. for 16 months
13.74% p.a.
$55 p.a.
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitively low annual fee and purchase rate.
Virgin Money Low Rate Credit Card
0% p.a. for 14 months
11.99% p.a.
$49 p.a.
Offers a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and 0% p.a. for 14 months on balance transfers.
ANZ First Visa Credit Card
0% p.a. for 18 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.

Compare up to 4 providers

Introductory credit card offers – trending now

Compare the features of these introductory credit card offers from a range of providers.

  • HSBC Platinum Credit Card. Enjoy a balance transfer rate of 0% p.a. for 22 months. Plus earn points on your everyday spending with this credit card.

How do credit card introductory offers work?

Most introductory offers are only available to new customers who apply and are approved for a specific credit card during the promotional period. These credit card deals usually offer extra value to you in the form of low or 0% interest rates, waived annual fees or bonus points.

The benefits of introductory offers only last for a limited time. For example, any promotional interest rates or fee discounts revert to standard features after the promotional period. Bonus points, on the other hand, only last until you use them or they expire.

Did you know?

How can I get a promotional credit card offer?

You usually have to meet specific requirements to be eligible for an introductory offer on a credit card. These conditions vary but usually include:

  • New customers. You must be a new credit card customer holding no other credit cards issued by the company with which you are applying. For example, if you have a credit card issued by American Express, you likely won’t be eligible for Amex introductory offers.
  • Credit card approval. You must apply and be approved for the credit card by a certain date in order to take advantage of the introductory offer.
  • Application dates. Some promotional offers may only be available to applicants who apply and are approved by a set date.
  • Spend requirements. When a bonus points offer is available, often you’ll be required to meet a spend requirement by a set date to receive the points.

Before you apply for a card with an introductory offer, make sure you fully understand these terms and conditions to ensure you can get the full value from the offer.

What types of introductory credit card offers can I get?

There are numerous introductory offers available depending on what you want from a credit card. For example, if you want to save on card debt, you could look at balance transfer offers that give you a low or 0% introductory interest rate. Or, if you want rewards for your spending then you can compare cards that offer introductory bonus points. With so many different introductory credit card deals in Australia, here we've summarised some of the most popular options you can compare.

0% balance transfer credit card offers

A 0% balance transfer credit card can be a useful tool to consolidate and repay debt without the cost of interest. Balance transfer credit cards often come with a low or 0% interest rate for a promotional period of 12 to 24 months. This means you can clear your credit card balance faster without accruing any additional interest. Once the promotional offer ends, a standard revert rate applies and any remaining debts will begin to collect interest, often at the higher cash advance rate.

Interest-free balance transfers are only available for a limited time, so you'll be required to apply and receive approval before the offer end date to take advantage of the promotional 0% interest rate. You can usually request the balance transfer and provide the details of your existing account when you apply.

Rates last updated December 12th, 2018
$
% p.a.

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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
NAB Low Fee Platinum Card - Exclusive Offer
0% p.a. for 25 months
19.74% p.a.
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
Citi Clear Platinum Credit Card
0% p.a. for 14 months
12.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
ANZ Low Rate
0% p.a. for 15 months
12.49% p.a.
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Citi Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months
0% p.a. for 13 months (reverts to 20.99% p.a.)
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
More info
Suncorp Clear Options Platinum Credit Card - Online Offer
0% p.a. for 18 months
20.74% p.a.
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$129 p.a.
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, 2 airport lounge passes every year.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus points in the first 3 months and save with a $64 first year annual fee. Plus, a long-term balance transfer offer.
St.George Vertigo Platinum - Online Offer
0% p.a. for 24 months
12.74% p.a.
$99 p.a.
Save with 0% p.a. interest for up to 24 months on balance transfers with no BT fee. Plus, platinum perks. Ends 17 December 2018.
Citi Rewards Platinum Credit Card - Online Offer
0% p.a. for 24 months with 1.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 24 month balance transfer offer, plus complimentary international travel insurance.
ANZ First Visa Credit Card
0% p.a. for 18 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.

Compare up to 4 providers

Credit cards that offer 0% interest on purchases

Purchase rate offers help you save on your spending by giving you a low or 0% introductory interest rate during the honeymoon period. At the end of the introductory period, the promotional rate reverts to a standard interest rate that applies to any balance carried from these purchases.

Purchase rate offers can be useful if you have a lot of planned expenses coming up and want a flexible and affordable way to pay them off over time. To get the most out of low or 0% purchase rate deals, you should aim to pay off the new charges before the end of the introductory period.

Rates last updated December 12th, 2018
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
Citi Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months (reverts to 20.99% p.a.)
Up to 55 days on purchases
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 13 months
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
Up to 44 days on purchases
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 6 months
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
Qantas Premier Everyday
0% p.a. for 9 months (reverts to 19.99% p.a.)
Up to 55 days on purchases
$49 p.a.
0% p.a. for 9 months
Take advantage of 20,000 bonus Qantas Points, a 0% p.a. purchase and balance transfer offers. Plus, complimentary overseas travel insurance.
St.George Amplify
0% p.a. for 14 months (reverts to 19.49% p.a.)
Up to 55 days on purchases
$79 p.a.
Take advantage of 0% p.a. interest on purchases for the first 14 months. Plus, earn 1 Amplify Point per $1 spent on eligible purchases, uncapped.
Bank of Melbourne Amplify Card
0% p.a. for 14 months (reverts to 19.49% p.a.)
Up to 55 days on purchases
$79 p.a.
Take advantage of 0% p.a. interest on purchases for the first 14 months. Plus, your choice of Amplify or Qantas Points.
NAB Low Rate Platinum Card
0% p.a. for 9 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$100 p.a.
0% p.a. for 6 months with 2% balance transfer fee
Enjoy a 0% p.a. interest rate offer on purchases for 9 months and the protection of 7 complimentary insurances including overseas travel insurance.
BankSA Amplify
0% p.a. for 14 months (reverts to 19.49% p.a.)
Up to 55 days on purchases
$79 p.a.
Take advantage of 0% p.a. interest on purchases for the first 14 months. Plus, your choice of Amplify or Qantas Points.
NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 6 months with 2% balance transfer fee
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
Westpac 55 Day credit card
0% p.a. for 9 months (reverts to 19.84% p.a.)
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
Save with 0% p.a. interest for the first 9 months on purchases and a $0 first year annual fee.

Compare up to 4 providers

No annual fee credit card offers

This type of introductory offer waives the credit card's annual fee for a promotional period (usually the first 12 months). Depending on the credit card, no annual fee promotions can save you tens, hundreds or thousands of dollars. You usually need to apply before a specific date to enjoy a no annual fee introductory offer.

After the introductory period, the standard annual fee will be applied to the account. So, if you plan to use your credit card beyond the promotional period, you should pay attention to the standard annual fee when comparing credit cards.

Rates last updated December 12th, 2018
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.) Product Description
Citi Simplicity Card
$0 p.a.
19.99% p.a.
0% p.a. for 6 months
Get 0% p.a. interest for up to 6 months on balance transfers with no BT fee. Plus, a $0 annual fee for life.
Bendigo Bank Low Rate Mastercard
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
11.99% p.a.
A no-frills card with a low variable purchase interest rate of 11.99% p.a. and a $0 first year annual fee.
Citi Clear Platinum Credit Card
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
12.99% p.a.
0% p.a. for 14 months
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
HSBC Platinum Qantas Credit Card
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
19.99% p.a.
0% p.a. for 12 months
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
Westpac Low Rate Card
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
ANZ Platinum Credit Card
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
Woolworths Everyday Platinum Credit Card - Finder Only Offer
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
19.99% p.a.
2.99% p.a. for 18 months
Finder only: Offers a $50 eGift Card, 4,000 bonus Credit Card points and a $0 first year annual fee. Plus, 10% off your shop once a month.
28 Degrees Platinum Mastercard
$0 p.a.
21.99% p.a.
4.99% p.a. for 6 months
Designed for travel, benefit from 0% foreign transaction fees on purchases, a $0 annual fee for life and a personal concierge service.
Skye Mastercard
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
23.99% p.a.
Get 90 days interest-free, $0 foreign transaction fees and a $0 annual fee for the first year.
Westpac Altitude Platinum Card
$0 p.a. annual fee for the first year ($150 p.a. thereafter)
20.24% p.a.
Earn 60,000 bonus Altitude Points when you spend $3,000 within 90 days of card approval. Plus, a $0 first year annual fee.

Compare up to 4 providers

Credit cards offering reduced annual fees

Instead of waiving the annual fee completely, some credit cards offer a reduced annual fee for promotional period. You'll still have to pay an annual fee, but these cards can help you save on costs.

The waived annual fee usually only applies for the first year and you may be required to meet a minimum spend requirement or apply before a specific date to take advantage of the lower annual fee.

Rates last updated December 12th, 2018
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.) Product Description
Westpac Low Rate Card
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Citi Clear Platinum Credit Card
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
12.99% p.a.
0% p.a. for 14 months
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
ANZ Platinum Credit Card
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
ANZ First Student Card
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
19.74% p.a.
An ideal, low limit credit card for full-time tertiary students with up to 44 days interest-free on purchases and a $0 annual fee for the first year.
Westpac 55 Day credit card
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
0% p.a. for 9 months (reverts to 19.84% p.a.)
Save with 0% p.a. interest for the first 9 months on purchases and a $0 first year annual fee.
American Express Westpac Altitude Platinum Bundle
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
20.24% p.a.
$0 first year annual fee & up to 75,000 bonus Altitude Pts when you meet T&C with Visa (issued by Westpac) & Amex (issued & serviced by Amex).
St.George Amplify Signature - Online Offer
$0 p.a. annual fee for the first year ($279 p.a. thereafter)
19.49% p.a.
Enjoy a $0 first year annual fee, 100,000 bonus Amplify Points and 2 complimentary lounge passes per year. Ends 17 December 2018.
Woolworths Everyday Platinum Credit Card - Finder Only Offer
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
19.99% p.a.
2.99% p.a. for 18 months
Finder only: Offers a $50 eGift Card, 4,000 bonus Credit Card points and a $0 first year annual fee. Plus, 10% off your shop once a month.
Bank of Melbourne Amplify Signature - Online Offer
$0 p.a. annual fee for the first year ($279 p.a. thereafter)
19.49% p.a.
Get 100,000 bonus Amplify Points when you apply online and spend $4,000 within 90 days. Plus, $0 first year annual fee. Ends 17 December 2018.
BankSA Amplify Signature - Online Offer
$0 p.a. annual fee for the first year ($279 p.a. thereafter)
19.49% p.a.
Receive 100,000 bonus Amplify Points when you apply online and spend $4,000 within 90 days plus, $0 first year annual fee. Ends 17 December 2018.
Bendigo Bank Low Rate Mastercard
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
11.99% p.a.
A no-frills card with a low variable purchase interest rate of 11.99% p.a. and a $0 first year annual fee.
HSBC Platinum Qantas Credit Card
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
19.99% p.a.
0% p.a. for 12 months
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.

Compare up to 4 providers

Bonus reward point credit card offers

Many rewards credit cards include bonus points when you apply and are approved for the card. Depending on the offer, you could be able to get up to 100,000 bonus points.

Bonus points offers are usually only available when you apply by a certain date and meet the spend criteria. This means you may need to spend a certain amount within a specific period (such as $1,500 in the first three months) to collect the bonus points. As long as the spend requirement fits within your budget and doesn't outweigh the value of your bonus points, it can be an easy way to boost your points balance as soon as you apply for the card. Remember that not all points are created equal and be sure to consider the value of the points before you apply.

Rates last updated December 12th, 2018
$
% p.a.
Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Bonus Points Annual fee Amount Saved Product Description
American Express Explorer Credit Card
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
100,000 bonus points
$395 p.a.
Get 100,000 bonus Membership Rewards points, a yearly $400 Travel Credit and 2 entries per year to the American Express Lounge.
Qantas Premier Platinum
0% p.a. for 18 months
19.99% p.a.
100,000 bonus points
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 70,000 bonus Qantas points when you meet the spend criteria and 30,000 more when you pay the second year's annual fee (100,000 total).
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a.
75,000 bonus points
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
Qantas Premier Everyday
0% p.a. for 9 months
0% p.a. for 9 months (reverts to 19.99% p.a.)
20,000 bonus points
$49 p.a.
Take advantage of 20,000 bonus Qantas Points, a 0% p.a. purchase and balance transfer offers. Plus, complimentary overseas travel insurance.
HSBC Platinum Qantas Credit Card
0% p.a. for 12 months
19.99% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
60,000 bonus points
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus points in the first 3 months and save with a $64 first year annual fee. Plus, a long-term balance transfer offer.
Suncorp Clear Options Platinum Credit Card - Online Offer
0% p.a. for 18 months
20.74% p.a.
60,000 bonus points
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
NAB Qantas Rewards Signature Card
0% p.a. for 6 months with 2% balance transfer fee
19.99% p.a.
90,000 bonus points
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
American Express Westpac Altitude Black Bundle - Qantas
20.24% p.a.
120,000 bonus points
$499 p.a.
Up to 120,000 bonus Qantas Points with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex). T&Cs apply.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
60,000 bonus points
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.

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Credit cards that offer bonus frequent flyer points

Similar to bonus reward point promotions, many frequent flyer credit cards offer bonus points on sign up. Most cards offer either Qantas Frequent Flyer or Velocity Frequent Flyer points but many other rewards cards also let you transfer your bonus points to other programs such as Emirates Skywards, KrisFlyer or Asia Miles. Again, you're usually required to spend a minimum amount within a set period to qualify for the bonus points offer.

Make sure you know what these terms and conditions are before you apply so that you can decide if the offer is worth it. It's also important to look at how many points you'll usually earn for your spending, as well as any rates, fees and extra features that come with the card.

Rates last updated December 12th, 2018
$
% p.a.
Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Bonus Points Annual fee Amount Saved Product Description
Qantas Premier Platinum
0% p.a. for 18 months
19.99% p.a.
100,000 bonus points
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 70,000 bonus Qantas points when you meet the spend criteria and 30,000 more when you pay the second year's annual fee (100,000 total).
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a.
75,000 bonus points
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
60,000 bonus points
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus points in the first 3 months and save with a $64 first year annual fee. Plus, a long-term balance transfer offer.
Qantas Premier Everyday
0% p.a. for 9 months
0% p.a. for 9 months (reverts to 19.99% p.a.)
20,000 bonus points
$49 p.a.
Take advantage of 20,000 bonus Qantas Points, a 0% p.a. purchase and balance transfer offers. Plus, complimentary overseas travel insurance.
HSBC Platinum Qantas Credit Card
0% p.a. for 12 months
19.99% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
60,000 bonus points
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
St.George Amplify Signature - Qantas
19.49% p.a.
80,000 bonus points
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Enjoy 80,000 bonus Qantas Points when you spend $4,000 within 90 days and 2 complimentary Qantas Club lounge invitations per year.
Virgin Australia Velocity High Flyer Card
0% p.a. for 15 months
20.74% p.a.
90,000 bonus points
$289 p.a.
Take off sooner with up to 90,000 bonus Velocity Points, lounge passes and insurance covers. Plus, enjoy a 15 month balance transfer offer.
American Express Westpac Altitude Black Bundle - Qantas
20.24% p.a.
120,000 bonus points
$499 p.a.
Up to 120,000 bonus Qantas Points with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex). T&Cs apply.
Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 6 months
0% p.a. for 14 months (reverts to 20.74% p.a.)
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.

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Cashback credit card offers

This type of introductory offer gives you cashback when you get a new credit card. Like bonus point promotions, you usually need to spend a specific amount of money on the card before you can enjoy the cashback offer. For example, an offer might give you $200 cashback if you spend $500 in the first 3 months you have the card.

Some cashback offers also require you to spend the minimum amount in a specific way, such as by making contactless payments. This type of offer can give you extra value if you have planned purchases you want to make on your credit card, but may not be worth it otherwise.

Rates last updated December 12th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Virgin Money Low Rate Credit Card
11.99% p.a.
0% p.a. for 14 months
$49 p.a.
Offers a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and 0% p.a. for 14 months on balance transfers.
Citi Rewards Classic Credit Card
20.99% p.a.
0% p.a. for 15 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Receive 1 point per $1 spent on eligible purchases, up to $50 cashback when you meet the minimum spend and a 15 month balance transfer offer.
ANZ Rewards Black Credit Card
18.79% p.a.
$375 p.a.
Receive 120,000 bonus Reward Points and $100 back onto your card when you spend $7,500 within the first 3 months, plus, lounge passes.

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Other introductory credit card offers

As well as the major introductory offers outlined above, some credit card companies may offer other more unique deals for new customers. These introductory offers could include:

  • Gift cards. Similar to cashback deals, some credit cards offer complimentary gift cards to new customers, usually for an affiliated store or brand. To be eligible, you usually have to apply during the promotional period, and may need to enter a promotional code online.
  • Discounted purchases. Some credit cards may offer you a discount on specific transactions. For example, a frequent flyer credit card could offer 10% off flight bookings made with the affiliated airline during the promotional period.

Depending on the credit card, you may be able to take advantage of more than one of these offers at a time. For example, a card that offers a 0% balance transfer rate could also have a discounted annual fee for the first year, while a card with bonus points may also offer 0% interest on purchases during the honeymoon period.

credit card application on laptop monitor

How to compare credit card introductory offers

While introductory offers can sweeten the deal when you sign up for a credit card, you should also look at the card's ongoing features. Thinking about the following factors will help you find an introductory offer that suits your needs in the short-term and a credit card that fits your circumstances in the long-term.

Interest rates

  • The promotional interest rate. Depending on the card, the promotional offer may have a low or 0% interest rate. Usually, the lower the interest rate, the more savings you'll make. However, you should also weigh up the promotional interest rate with the annual fee and the length of the promotional offer to determine which card offers the most savings.
  • The length of the introductory period. With low purchase rate or balance transfer rate offers, it’s important that you calculate how much you’ll need to pay each month to repay the entire balance before the promotional period ends. Otherwise, any remaining balance will collect the standard interest and begin to counteract your savings.
  • The promotional offer end date. These offers are only available for a limited time, so you will need to apply before the end date to take advantage of them. Check the terms and conditions to make sure any offers you want are still available before you apply.
  • The standard interest rates. If you have a card with a low or 0% purchase or balance transfer deal, the standard interest rates will apply to any balances remaining at the end of the introductory period. These rates are generally much higher than those of the introductory offer, so considering them before you apply will help you avoid any nasty surprises when the promotion ends.

Fees

  • Standard annual fees. If you get a reduced or waived annual fee offer, make sure you check the standard annual fee so that you know how much you will have to pay after the first 12 months. If you only intend to use the card while the waived annual fee is in place, make sure you know when the standard annual fee will apply and close your card before then to avoid paying extra.
  • Other fees and charges. As well as the annual fee, the card may come with other rates and fees such as balance transfer fees, cash advance fees, foreign transaction fees and late payment costs. You can use the reviews on finder to browse a full list of rates and fees associated with a product to understand exactly how much you'll have to pay when you use the card.
  • Interest charges. If you have to meet a minimum spend to earn bonus points or redeem your introductory offer, remember that these purchases will collect interest. This is why it's important to ensure that the spend requirement fits within your budget, otherwise the interest costs could easily outweigh the value of the points or bonus offer.

Rewards and extras

  • Spending requirements. Some cashback and bonus point offers require you to spend a minimum amount in an introductory period of a few months. It could be as little as $100 or as much as $10,000 depending on the card, so it’s important to check before you apply to make sure you can afford to take advantage of the offer.
  • Standard rewards points. As well as the bonus points, make sure the regular rewards program (including the earn rate and how you can redeem your rewards) suits your spending behaviours and rewards goals.
  • Complimentary extras. Additional, ongoing perks such as international travel insurance, extended warranties and concierge services can bring more value to the card that you choose. However they can also attribute to higher annual fees, so make sure these are features you'd take advantage of before you apply.

Mistakes to avoid with credit card offers

man using credit card for online shoppingWhile credit card introductory offers can help you get more value from your card, there are some mistakes to avoid to ensure the card costs don't outweigh the offer's benefits. Here are some of the common mistakes cardholders make and how you can avoid them:

  • Ignoring the offer terms and conditions. Introductory offers have specific eligibility requirements you have to meet, so make sure you understand the fine print before you apply.
  • Wasting the promotional offer time period. With a balance transfer or purchase rate offer, the promotional period (such as 12 months) will begin as soon as your application is approved, rather than when you make the transfer or your first purchase. To avoid wasting the valuable offer, make sure you start consolidating your debt or paying off your purchases as soon as possible to take advantage of the full offer.
  • Not looking at the card's ongoing features. While introductory offers can give you short-term benefits, the standard features of a credit card determine its ongoing value. Always check these features before you apply for a credit card to decide if it’s worth it for you.
  • Not checking the offer's end date. To get a specific credit card offer, you must apply before the end of the promotional period. Regularly comparing credit cards can help you stay up-to-date with all the offers available when you’re considering a new card.
  • Not using the card after the introductory period. If you decide you don’t want the card you applied for after getting an introductory offer, you could end up paying more credit card fees and adding to your debt. Make sure you consider this before you apply, choose an appropriate card, or cancel the account if you no longer want to use it.

Introductory offers have the potential to provide you with more value when you get a new credit card. While almost anyone can benefit from these deals, the value they provide really depends on your individual circumstances.

It’s also important to remember that this card's benefits only last for a set amount of time before reverting to the standard features. So being aware of how credit card offers work and considering both the introductory offer and the ongoing card features means you can choose a card that offers you value now and in the future.

FAQs

Here, you'll find answers to some of the most common questions about credit card offers. You can also ask your own question by leaving a comment below.

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Credit Card Offers

Important Information*
Suncorp Clear Options Platinum Credit...

Interest rate

20.74

Annual fee

49*

*$129 p.a. after first year

American Express Westpac Altitude Pla...

Interest rate

20.24

Annual fee

50*

*$249 p.a. after first year

NAB Qantas Rewards Signature Card

Interest rate

19.99

Annual fee

295*

*$395 p.a. after first year

Credit Cards Comparison

Rates last updated December 12th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.

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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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