Introductory credit card offers for a limited time

Look forward to bonus points, 0% interest rates or reduced annual fees when you get a credit card with an introductory offer.

If you want to get a new credit card, introductory offers can help you get more value from the one you choose. Depending on the promotion, you could enjoy more frequent flyer points, cashback or savings on rates and fees. Credit card introductory offers are usually only available to new customers for a limited time and have specific requirements you need to meet to get the offer. So it's important to weigh up details of the offer and look at the card's the 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. We also share the key details you need to look at so that you can choose the right introductory offer and card for your needs.


St.George Vertigo Platinum - Online Offer

0% p.a. for 24 months on balance transfers with no BT fee
$0 annual fee for the first year

Offer ends 13 December 2017

Eligibility criteria, terms and conditions, fees and charges apply

St.George Credit Card Online Offer

A platinum card that features a no BT fee balance transfer offer, first year annual fee waiver and a low variable interest rate on purchases.

  • $0 p.a. annual fee for the first year ($99 p.a. thereafter).
  • 12.74% p.a. on purchases
  • Cash advance rate of 21.49% p.a.
  • Up to 55 days interest free
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Rates last updated November 20th, 2017
$
% p.a.

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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
St.George Vertigo Platinum - Online Offer
0% p.a. for 24 months
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 13 December 2017.
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 Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
Woolworths Everyday Platinum Credit Card
0% p.a. for 14 months
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you apply by 31 January 2018 and make an eligible purchase by 28 February 2018.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$129 p.a.
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
Citi Rewards Platinum Credit Card
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 as part of the Citi Rewards Program, plus receive complimentary international travel insurance.
St.George Vertigo Visa - Online Offer
0% p.a. for 18 months
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Take advantage of 0% p.a. for 18 months on balance transfers (with no BT fee). Plus, $0 annual fee in the first year. Ends 13 December 2017.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 12 months
0% p.a. for 3 months (reverts to 19.74% p.a.)
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
Bankwest Breeze Classic Mastercard
0% p.a. for 13 months with 2% balance transfer fee
0% p.a. for 13 months (reverts to 12.99% p.a.)
$79 p.a.
Receive up to 55 days interest-free on purchases and free worldwide emergency card replacement.
McGrath Pink Visa
4.99% p.a. for 8 months
4.99% p.a. for 8 months (reverts to 8.99% p.a.)
$40 p.a.
A basic, no-frills credit card with up to 55 days interest-free that donates half of the card's annual fee to the McGrath Foundation.
Virgin Money Low Rate Credit Card
0% p.a. for 14 months
11.99% p.a.
$49 p.a.
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 44 days interest-free on purchases.
Bank of Melbourne Vertigo Visa Credit Card
0% p.a. for 18 months with 2% balance transfer fee
13.24% p.a.
$55 p.a.
Receive up to 55 days interest-free on purchases and the protection of Verified by Visa online purchases.
NAB Low Fee Card
0% p.a. for 16 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Receive complimentary purchase protection insurance, special offers from Visa Entertainment and up to 44 days interest-free on purchases.
ANZ Frequent Flyer Black
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
HSBC Platinum Qantas Credit Card
0% p.a. for 6 months
19.99% p.a.
$199 p.a.
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 18 months
20.74% p.a.
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
Qantas Premier Platinum
0% p.a. for 15 months
19.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly further with 75,000 bonus Qantas points, up to 2 Qantas Points per $1 spent and 2 yearly complimentary Qantas Club lounge invitations.

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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.

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How to qualify for a credit card promotional offer

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

  • New customers. You must be a new credit card customer, with no existing credit cards issued by the company you’re applying with. 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 there is a bonus points offer 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 is a wide range of different 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 November 20th, 2017
$
% p.a.

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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
St.George Vertigo Platinum - Online Offer
0% p.a. for 24 months
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 13 December 2017.
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 Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
Westpac Low Rate Card - Online Only Balance Transfer Offer
0% p.a. for 24 months with 2% balance transfer fee
13.49% p.a.
$59 p.a.
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% balance transfer fee when you apply online by 31 January 2018.
Woolworths Everyday Platinum Credit Card
0% p.a. for 14 months
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you apply by 31 January 2018 and make an eligible purchase by 28 February 2018.
Citi Rewards Platinum Credit Card
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 Citi Reward Points on everyday spend and receive complimentary travel insurance.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$129 p.a.
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
St.George Vertigo Visa - Online Offer
0% p.a. for 18 months
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Take advantage of 0% p.a. for 18 months on balance transfers (with no BT fee). Plus, $0 annual fee in the first year. Ends 13 December 2017.
NAB Premium Card
0% p.a. for 20 months with 2% balance transfer fee
19.74% p.a.
$90 p.a.
Offers 7 complimentary insurance covers, access to a 24/7 concierge service and special offers through Visa Entertainment.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 12 months
0% p.a. for 3 months (reverts to 19.74% p.a.)
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
An exclusive credit card offer through finder.com.au that includes complimentary insurance covers and 0% purchase and balance transfer offers.
Citi Platinum Credit Card - 100k Bonus Points
0% p.a. for 15 months with 1% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, take advantage of a long-term balance transfer offer and receive complimentary travel insurance.

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Credit cards with 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 November 20th, 2017
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
0% p.a. for 12 months
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
Bankwest Breeze Classic Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
Up to 55 days on purchases
$79 p.a.
0% p.a. for 13 months with 2% balance transfer fee
Get the security of free worldwide emergency card replacement and the convenience of Mastercard PayPass.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 12 months (reverts to 20.74% p.a.)
Up to 44 days on purchases
$129 p.a.
0% p.a. for 6 months
Until 30 November 2017 get 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
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.
4.99% p.a. for 6 months
A platinum card that offers an introductory rate of 0% p.a. for 9 months on purchases.
Bankwest Breeze Platinum Mastercard
0% p.a. for 13 months (reverts to 12.99% p.a.)
Up to 55 days on purchases
$99 p.a.
0% p.a. for 13 months with 2% balance transfer fee
Receive complimentary international travel insurance, extended warranty cover and 0% foreign transaction fees.
Bankwest Low Rate Business Mastercard
0% p.a. for 12 months (reverts to 11.99% p.a.)
Up to 55 days on purchases
$99 p.a.
Offers an introductory 0% p.a. interest rate on purchases for 12 months. Plus, add up to 3 additional cardholders for $0.
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.
4.99% p.a. for 6 months
Receive up to 55 days interest-free on purchases, special offers from Visa Entertainment and Tap and Pay capabilities.

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No annual fee offers

This type of introductory offer waives the annual fee of the credit card 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 November 20th, 2017
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.) Product Description
American Express Essential Credit Card
$0 p.a.
14.99% p.a.
0% p.a. for 12 months with 3% balance transfer fee
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with your Essential Credit Card.
St.George Vertigo Platinum - Online Offer
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
12.74% p.a.
0% p.a. for 24 months
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 13 December 2017.
ANZ Platinum Credit Card - Exclusive Offer
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
Pay 0% p.a. for 3 months on purchases and receive platinum perks including complimentary travel and purchase insurance.
Woolworths Everyday Platinum Credit Card
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
19.99% p.a.
0% p.a. for 14 months
Receive a $50 eGift Card when you apply by 31 January 2018 and make an eligible purchase by 28 February 2018.
Qantas American Express Discovery Card
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn an uncapped 1 Qantas Frequent Flyer point per $1 spent, plus complimentary purchase insurance.
Citi Simplicity Card
$0 p.a.
19.99% p.a.
0% p.a. for 15 months with 1.5% balance transfer fee
Earn 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from card approval.
St.George Vertigo Visa - Online Offer
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
13.24% p.a.
0% p.a. for 18 months
Take advantage of 0% p.a. for 18 months on balance transfers (with no BT fee). Plus, $0 annual fee in the first year. Ends 13 December 2017.
ANZ Rewards Platinum
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
18.79% p.a.
Receive 65,000 bonus Reward Points when you spend $2,500 within the first 3 months from card approval.
American Express Velocity Escape Card
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn uncapped Velocity points on purchases and redeem for a range of rewards including flights, accommodation, car hire and gift cards.
Bankwest Zero Platinum Mastercard
$0 p.a.
17.99% p.a.
2.99% p.a. for 9 months
Receive complimentary international travel insurance, access to a 24/7 concierge service and 0% foreign transaction fees.

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Reduced annual fee promotions

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 November 20th, 2017
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.) Product Description
ANZ Frequent Flyer
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
19.99% p.a.
Get 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.
ANZ Platinum Credit Card - Exclusive Offer
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
ANZ Frequent Flyer Black
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
19.99% p.a.
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
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 16 months with 2% balance transfer fee
Enjoy platinum card benefits with a 24/7 personal concierge and 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 credit card for students with up to 44 days interest-free on purchases. Access your account on the go with the goMoney app.
ANZ Rewards Black Credit Card
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
18.79% p.a.
Receive 75,000 bonus points when you spend $2,500 on eligible purchases within the first 3 months and complimentary travel insurance.
Woolworths Everyday Platinum Credit Card
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
19.99% p.a.
0% p.a. for 14 months
Receive a $50 eGift Card when you apply by 31 January 2018 and make an eligible purchase by 28 February 2018.
Greater Bank Visa Credit Card
$40 p.a.
11.95% p.a.
Same low 11.95% p.a. interest rate on purchases and cash advances, plus, up to 55 interest-free days on purchases.

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Bonus reward points 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 3 months) to collect the bonus points. As long as the spend requirement fits within your budget and don'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 November 20th, 2017
$
% p.a.
Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Bonus Points Annual fee Amount Saved Product Description
NAB Qantas Rewards Signature Card
4.99% p.a. for 6 months
19.99% p.a.
100,000 bonus points
$395 p.a.
Earn Qantas Points for your spending combined with overseas travel insurance and a balance transfer rate of 4.99% p.a. for 6 months.
NAB Rewards Signature Card
4.99% p.a. for 6 months
19.99% p.a.
100,000 bonus points
$295 p.a.
Earn NAB Rewards points on your everyday spending and enjoy a points booster at selected major retailers. Plus, seven complimentary insurances.
Qantas Premier Platinum
0% p.a. for 15 months
19.99% p.a.
75,000 bonus points
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly faster with up to 2 Qantas Points per $1 spent, receive 2 yearly complimentary Qantas Club lounge invitations, plus, included 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 Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
HSBC Platinum Qantas Credit Card
0% p.a. for 6 months
19.99% p.a.
60,000 bonus points
$199 p.a.
Offers complimentary membership to the Qantas Frequent Flyer Program and international travel insurance included.
ANZ Frequent Flyer Platinum
19.99% p.a.
65,000 bonus points
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Get 65,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 6 months
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Save with 0% p.a. on purchases for 12 months. Plus, a $129 Virgin Australia Gift Voucher every year you hold the card.
Citi Platinum Credit Card - 100k Bonus Points
0% p.a. for 15 months with 1% balance transfer fee
20.99% p.a.
100,000 bonus points
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, take advantage of a long-term balance transfer offer and receive complimentary travel insurance.
Qantas American Express Discovery Card
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$0 p.a.
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
ANZ Frequent Flyer Black
19.99% p.a.
75,000 bonus points
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Take advantage of 75 Bonus Status Credits when you apply by 24 January 2018, and buy and fly return with Qantas by 31 May 2018.

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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 November 20th, 2017
$
% 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 15 months
19.99% p.a.
75,000 bonus points
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly faster with up to 2 Qantas Points per $1 spent, receive 2 yearly complimentary Qantas Club lounge invitations, plus, included 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 Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
HSBC Platinum Qantas Credit Card
0% p.a. for 6 months
19.99% p.a.
60,000 bonus points
$199 p.a.
Receive a complimentary Qantas Frequent Flyer membership and take advantage of complimentary international travel insurance.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 6 months
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Receive a $129 Virgin Australia Gift Voucher each year, save with up to 44 interest-free days and complimentary international travel insurance.
Citi Platinum Credit Card - 100k Bonus Points
0% p.a. for 15 months with 1% balance transfer fee
20.99% p.a.
100,000 bonus points
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, take advantage of a long-term balance transfer offer and receive complimentary travel insurance.
ANZ Frequent Flyer Platinum
19.99% p.a.
65,000 bonus points
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Earn Qantas Points and take advantage of complimentary international travel insurance and a 24/7 concierge service.
Citi Rewards Platinum Credit Card
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 as part of the Citi Rewards Program, plus receive complimentary international travel insurance.
ANZ Frequent Flyer Black
19.99% p.a.
75,000 bonus points
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Collect 75 bonus Status Credits when you meet the spend requirements. Plus, enjoy two complimentary Qantas Club Lounge invitations each year.
Qantas American Express Discovery Card
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$0 p.a.
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 18 months
20.74% p.a.
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.

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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 November 20th, 2017
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.
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 44 days interest-free on purchases.
ANZ Low Rate
12.49% p.a.
$58 p.a.
Receive a $100 credit back to your new ANZ Low Rate Credit Card when you spend $500 on eligible purchases in the first 60 days from card approval.
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 up to 5% cashback on all retail purchases, up to $1,000 in your first 90 days from card approval (capped at $50).
ANZ Low Rate Platinum
11.49% p.a.
$99 p.a.
Get $250 back to your new ANZ Low Rate Platinum when you spend $500 on eligible purchases within the first 60 days from card approval.
Citi Simplicity Card
19.99% p.a.
0% p.a. for 15 months with 1.5% balance transfer fee
$0 p.a.
Earn 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from card approval.

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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.

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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 ongoing features of the card. 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

smartphone-credit-card-250x250-ShutterstockWhile 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 benefits of the offer. 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 you apply for the card, 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 ongoing features of the card. 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 end date of the offer. 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 these benefits only last for a set amount of time before reverting to the standard features of the card. 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.

Frequently asked questions

The value of an introductory offer depends on your financial situation and your spending habits. Please note that the information on this page is general advice only and does not take into account your personal situation.
The banks provide us with credit card offer updates. We try to the best of our ability to keep the rates up to date – but if you’ve noticed a discrepancy then please tell us by posting a query on the bottom of this page.
Sometimes comparison websites like finder.com.au receive exclusive offers and deals which are not available through the bank’s website. In this case, you'll need to apply for the card via finder to take advantage of the offer.
If you change your mind about a credit card offer during the application process, you can cancel your application by calling the issuer. If you decide you don’t like a card after you have been approved and activated it, you can cancel it at any time, even if you have used the credit card offer. Note that you must repay your balance before you can close the card.
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Qantas Premier Platinum
Qantas Premier Platinum

Interest rate

19.99

Annual fee

299
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99

Credit Cards Comparison

Rates last updated November 20th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 15 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly faster with up to 2 Qantas Points per $1 spent, receive 2 yearly complimentary Qantas Club lounge invitations, plus, included travel insurance.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you apply by 31 January 2018 and make an eligible purchase by 28 February 2018.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for 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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