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.

You can take advantage of introductory offers to get more value from your new credit card by saving on fees, earning more points or getting cash back to your account. These offers are usually only available for a limited time and you'll need to meet specific requirements to take advantage of the deal. You can use this guide to compare current introductory offers and to learn how to choose a credit card that works for you.

Citi Credit Card Offer

Citi Clear Platinum Credit Card

0% p.a. for 14 months on balance transfers
$0 first year annual fee

Offer ends 30 June 2019

Eligibility criteria, terms and conditions, fees and charges apply

Citi Credit Card Offer

Save with a $0 annual fee for the first year and a long-term balance transfer offer. Plus, enjoy complimentary insurance covers.

  • $0 p.a. annual fee for the first year ($99 p.a. thereafter).
  • 12.99% p.a. on purchases
  • 0% p.a. for 14 months with 0% BT fee on balance transfers
  • Cash advance rate of 21.74% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $35,000 p.a.
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Comparison of credit cards with introductory offers

Rates last updated June 25th, 2019
$
% p.a.

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Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount Saved Product Description
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 long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 June 2019.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
0% p.a. for 18 months
20.74% p.a.
$50 p.a.
Earn 20,000 bonus points and save with an ongoing $50 annual fee. Plus, get a $129 Virgin Australia Gift Voucher each year. Ends 30 June 2019.
St.George Vertigo Classic - Online Offer
0% p.a. for 6 months
0% for 14 months, reverts to 13.99% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Online only: Low rate card offering 0% p.a. interest on purchases for the first 14 months. Plus, a $0 first year annual fee.
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 75,000 bonus Velocity Points and save with a $64 first year annual fee. Plus, a long-term balance transfer offer. Ends 30 June 2019.
HSBC Platinum Credit Card
0% p.a. for 12 months
0% for 12 months, reverts to 19.99% p.a.
$129 p.a.
0% p.a. on purchases and balance transfers with no BT fee. Plus, a yearly annual fee refund when you spend $6,000 and 2 lounge passes per year.
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.
Westpac Low Rate Card
0% p.a. for 18 months
13.74% p.a.
$59 p.a.
A low rate card offering 0% p.a. on balance transfers for 18 months and a competitive purchase rate.
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 Rewards Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months
0% 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.
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 balance transfer fee. Plus, a $0 annual fee for life. Ends 30 June 2019.
Suncorp Clear Options Platinum Credit Card - Exclusive Offer
0% p.a. for 18 months
20.74% p.a.
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Finder Exclusive
Save with a 0% balance transfer offer and get up to 60,000 bonus points. Plus, a $49 first year annual fee when you apply online.
Commonwealth Bank Awards Credit Card
5.99% p.a. for 5 months
20.24% p.a.
$59 p.a.
Get 30,000 bonus CommBank Awards points when you spend $2,000 on eligible purchases with your new card by 31 October 2019.
NAB Low Fee Card
0% p.a. for 6 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Receive complimentary purchase protection insurance and 0% p.a. for 6 months on balance transfers.
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. Ends 31 December 2019.
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)

$249 p.a.
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Mastercard (issued by Westpac) & Amex (issued by Amex).

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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. Introductory offers, such as bonus points, are usually reserved for new credit card customers. For example, if you have a card issued by American Express, you likely won't be eligible for another Amex introductory offer.
  • Application dates. Many promotional offers are only 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. For example, you may need to spend $3,000 in the first 90 days of card approval to earn your bonus 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 for 12 to 26 months. 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 June 25th, 2019
$
% p.a.

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Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount Saved Product Description
Virgin Australia Velocity Flyer Card - Annual Fee Offer
0% p.a. for 18 months
20.74% p.a.
$50 p.a.
Earn 20,000 bonus points and save with an ongoing $50 annual fee. Plus, get a $129 Virgin Australia Gift Voucher each year. Ends 30 June 2019.
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 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 long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 June 2019.
Westpac Low Rate Card
0% p.a. for 18 months
13.74% p.a.
$59 p.a.
A low rate card offering 0% p.a. on balance transfers for 18 months and a competitive purchase rate.
Citi Rewards Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months
0% 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.

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Credit cards that offer 0% interest on purchases

You can save by paying low or 0% introductory interest rate on your purchases 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 June 25th, 2019
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate Product Description
Citi Rewards Platinum Credit Card - Exclusive Offer
0% 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.
St.George Vertigo Classic - Online Offer
0% for 14 months, reverts to 13.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 6 months
Online only: Low rate card offering 0% p.a. interest on purchases for the first 14 months. Plus, a $0 first year annual fee.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% 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
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first year annual fee and Velocity Points per $1 spent. Ends 30 June 2019.
NAB Low Rate Platinum Card
0% for 15 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 15 months and the protection of 7 complimentary insurances including overseas travel insurance.
Bendigo Bank Low Rate Platinum Mastercard
0% for 12 months, reverts to 11.99% p.a.
Up to 55 days on purchases
$89 p.a.
Offers a 0% p.a. interest rate on purchases for 12 months, complimentary insurance covers and mobile payment compatibility. Ends 30 June 2019.

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Reduced or no annual fee credit card offers

This type of introductory offer waives or reduces the credit card's annual fee for a promotional period (usually the first 12 months). Depending on the credit card, first-year annual fee promotions can save you tens, hundreds or thousands of dollars. You usually need to apply before a specific date to enjoy an introductory annual fee 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 June 25th, 2019
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate Product Description
28 Degrees Platinum Mastercard
$0 p.a.
21.99% p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes, global wifi access and a concierge service.
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 balance transfer fee. Plus, a $0 annual fee for life. Ends 30 June 2019.
ME frank Credit Card
$0 p.a.
11.99% p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
St.George Vertigo Classic - Online Offer
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% for 14 months, reverts to 13.99% p.a.
0% p.a. for 6 months
Online only: Low rate card offering 0% p.a. interest on purchases for the first 14 months. Plus, 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 long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 June 2019.

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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.

Rates last updated June 25th, 2019
$
% p.a.
Name Product Balance transfer rate Purchase rate (p.a.) Bonus Points Annual fee Amount Saved Product Description
Westpac Altitude Platinum Card - Qantas
20.49% p.a.
60,000 bonus points
$200 p.a.
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, complimentary insurances and a personal concierge.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
75,000 bonus points
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 75,000 bonus Velocity Points and save with a $64 first year annual fee. Plus, a long-term balance transfer offer. Ends 30 June 2019.
Commonwealth Bank Platinum Awards Credit Card
5.99% p.a. for 5 months
20.24% p.a.
100,000 bonus points
$249 p.a.
Get 100,000 bonus CommBank Awards points when you spend $4,000 on eligible purchases with your new card by 31 October 2019.
Commonwealth Bank Awards Credit Card
5.99% p.a. for 5 months
20.24% p.a.
30,000 bonus points
$59 p.a.
Get 30,000 bonus CommBank Awards points when you spend $2,000 on eligible purchases with your new card by 31 October 2019.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
0% p.a. for 18 months
20.74% p.a.
20,000 bonus points
$50 p.a.
Earn 20,000 bonus points and save with an ongoing $50 annual fee. Plus, get a $129 Virgin Australia Gift Voucher each year. Ends 30 June 2019.

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Credit cards that offer bonus frequent flyer points

Many frequent flyer credit cards also 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 apply by an offer end date and spend a minimum amount within a set period to qualify for the bonus points offer.

Rates last updated June 25th, 2019
$
% p.a.
Name Product Balance transfer rate Purchase rate (p.a.) Bonus Points Annual fee Amount Saved Product Description
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
75,000 bonus points
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 75,000 bonus Velocity Points and save with a $64 first year annual fee. Plus, a long-term balance transfer offer. Ends 30 June 2019.
St.George Amplify Signature - Qantas
0% p.a. for 6 months
19.74% p.a.
90,000 bonus points
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Get 90,000 bonus Qantas Points when you spend $4,000 in 90 days and 2 complimentary Qantas Club lounge invitations per year.
Westpac Altitude Platinum Card - Qantas
20.49% p.a.
60,000 bonus points
$200 p.a.
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, complimentary insurances and a personal concierge.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
0% p.a. for 18 months
20.74% p.a.
20,000 bonus points
$50 p.a.
Earn 20,000 bonus points and save with an ongoing $50 annual fee. Plus, get a $129 Virgin Australia Gift Voucher each year. Ends 30 June 2019.
Commonwealth Bank Platinum Awards Credit Card
5.99% p.a. for 5 months
20.24% p.a.
100,000 bonus points
$249 p.a.
Get 100,000 bonus CommBank Awards points when you spend $4,000 on eligible purchases with your new card by 31 October 2019.

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Cashback credit card offers

This type of introductory offer gives you cashback when you get a new credit card. 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 June 25th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Virgin Money Low Rate Credit Card
11.99% p.a.
0% p.a. for 14 months
$49 p.a.
Get a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and a 14-month balance transfer. Ends 30 June 2019.
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)
Earn Points per $1 spent and up to $50 cashback when you meet the spend criteria. Plus, a 15 month balance transfer offer.
ANZ Frequent Flyer Platinum
19.99% p.a.
$295 p.a.
Receive 50,000 bonus Qantas Points and $100 back to your card when you spend $2,000 on eligible purchases within 3 months.
ANZ Rewards Black Credit Card
18.79% p.a.
$375 p.a.
Receive 100,000 bonus Reward Points and $100 back onto your card when you spend $4,000 within the first 3 months, plus, lounge passes.
ANZ Frequent Flyer Black
19.99% p.a.
$425 p.a.
Earn 100,000 bonus Qantas Points & $200 back when you spend $4,000 in the first 3 months. Plus, airport 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, the promotional rate applies as soon as your card is activated. 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. Most 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.

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.

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Credit Cards Comparison

Rates last updated June 25th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 June 2019.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus points and save with an ongoing $50 annual fee. Plus, get a $129 Virgin Australia Gift Voucher each year. Ends 30 June 2019.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

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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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