Introductory credit card offers for new customers

Special credit card offers aimed at new customers can get you stacks of bonus points, 0% balance transfer deals, no annual fees and more.

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By

Amy Bradney-George

Edited by

Richard Whitten

Updated

Fact checked
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Key takeaways

  • Offers include 0% balance transfers up to 32 months; a 1-3% transfer fee often applies.
  • Bonus points offers can exceed 100,000, or get hundreds in cashback, with initial spend requirements.
  • Carefully review offer expiry, any spend requirements and ongoing annual fees before applying.
Introductory credit card offers can help you save money, earn more points or get cash back to your account when you sign up. Here are some of the top offers on the market.

Balance Transfer Offer

Latitude Low Rate Mastercard - Balance Transfer Offer

Latitude Low Rate Mastercard - Balance Transfer Offer logo
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0% Balance Transfer Offer
$69
Annual fee
13.99%
Purchase rate
0% p.a. on balance transfers for the first 25 months, with 3% balance transfer fee. Offer ends 31 January 2027.
  • 0% p.a. on balance transfers for the first 25 months
  • 3% back in Latitude Rewards
  • Complimentary E-Commerce Purchase Protection Insurance
  • A 3% balance transfer fee applies
  • 29.99% p.a. cash advance rate is relatively high
Rewards program N/A
Annual fee $69
Purchase rate p.a. 13.99%
Welcome offer 0% Balance Transfer Offer
Interest-free period Up to 55 days on purchases
Balance transfer p.a. 0% for 25 months with 3% bt fee, then 29.99%
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee 3%

⭐ How to get this offer:

  • Apply, be approved and transfer your balance from a non-Latitude credit card by 31 January 2027.
  • Charges a one-time 3% balance transfer fee.
  • Request a balance transfer for a minimum of $500, up to 85% of your approved credit limit from a non-Latitude credit card.
  • Remember: Any balance transfer debt that's left after the 25-month introductory period will attract the card's 29.99% p.a. cash advance rate.

Rewards Offer

ANZ Frequent Flyer Black

ANZ Frequent Flyer Black logo
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Up to 100,000 Bonus Points
$370
Annual fee
22.49%
Purchase rate
Receive 50,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 3 months and an extra 50,000 points when you keep your card for over 12 months (up to 100,000 points total).
  • Up to 100,000 bonus Qantas Points
  • 2 complimentary Qantas Club Lounge invitations per year
  • 1 Qantas Point per $1 spent up to and including $7,500 per statement period, then 0.5 Qantas Points / $1 spent
  • You need to keep the card over 12 months to collect all the bonus points offered
  • The standard annual account fee of $370 p.a. plus the $55 rewards fee is high.
  • When you spend over $7,500 per statement period, the earn rate drops from 1 point per $1 spent to 0.5 points per $1.
Rewards program Qantas Frequent Flyer
Annual fee $370
Purchase rate p.a. 22.49%
Welcome offer Up to 100,000 Bonus Points
Interest-free period Up to 44 days on purchases
Balance transfer p.a. 23.49%
Bonus points 100,000
Rewards points per $ spent 1
Foreign currency conversion fee 3.5%

⭐ How to get this offer:

  • Apply during the offer period. While there is no specified date that this offer will end, it's only available for a limited time.
  • Spend $6,000 on eligible purchases in the first 3 months from approval to get the 50,000 bonus Qantas Points and back offer.
  • You can get an additional 40,000 bonus points when you keep your card for over 12 months.
  • Include your Qantas Frequent Flyer membership number on the application. If you're not a member, you can join for free upon application.

Frequent Flyer Offer

Qantas American Express Ultimate Card

Qantas American Express Ultimate Card logo
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Up to 120,000 bonus Qantas Points
$450
Annual fee
23.99%
Purchase rate
Earn 70,000 bonus Qantas Points when you apply online by 17 November 2026, are approved, and spend $5,000 on eligible purchases within the first 3 months and an additional 50,000 points when you spend a further $5,000 on eligible purchases within the first 3 months of paying your second-year annual fee (up to 120,000 points total).
  • Up to 120,000 bonus Qantas Points
  • Up to 2.25 Qantas Points per $1 spent on eligible purchases in Australia
  • $450 Qantas Travel Credit each year
  • High $450 annual fee
  • High 23.99% p.a. interest rate for purchases
  • 3.5% foreign currency conversion fee
Rewards program Qantas Frequent Flyer
Annual fee $450
Purchase rate p.a. 23.99%
Welcome offer Up to 120,000 bonus Qantas Points
Interest-free period Up to 44 days on purchases
Balance transfer p.a. N/A
Bonus points 120,000
Rewards points per $ spent 1.25
Foreign currency conversion fee 3.5%

⭐ How to get this offer:

  • Apply by 17 November 2026 as a new Amex card member. This means you can't have a current American Express credit card, or have held one in your name in the past 18 months.
  • Spend $5,000 on eligible purchases in the first 3 months from approval to get the 120,000 bonus Qantas Points.
  • The bonus Qantas Points will typically be credited to your account within 8 to 10 weeks of meeting the spend requirement.

Low Rate Offer

NAB Low Rate - Cashback Offer

NAB Low Rate - Cashback Offer logo
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$400 Cashback & 0% Balance Transfer Offer
$99
Annual fee
13.99%
Purchase rate
Offers $400 cashback when you spend $5,000 on everyday purchases within the first 150 days.
  • $400 cashback
  • Variable 13.99% p.a. interest rate for purchases
  • Complimentary mobile phone insurance
  • No rewards program or travel insurance
  • 3.5% foreign transaction fee
Rewards program N/A
Annual fee $99
Purchase rate p.a. 13.99%
Welcome offer $400 Cashback & 0% Balance Transfer Offer
Interest-free period Up to 55 days on purchases
Balance transfer p.a. 0% for 12 months with 3% bt fee, then 22.99%
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee 3.5%

⭐ How to get this offer:

  • Apply as a new NAB credit card customer.
  • Spend at least $5,000 on everyday purchases within the first 150 days to get up to $400 cashback.
  • Charges a one-time 3% balance transfer fee.
  • Remember: Any balance transfer debt that's left after the 20-month introductory period will attract the card's 22.99% p.a. cash advance rate.

$0 Annual Fee

Kogan Money Credit Card - Balance Transfer Exclusive Offer

Kogan Money Credit Card - Balance Transfer Exclusive Offer logo
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0% Balance Transfer Offer
$0
Annual fee
21.99%
Purchase rate
Save with 0% p.a. interest on balance transfers for the first 18 months, with a one-time 2% balance transfer fee.
  • No annual fee
  • 0% p.a. on balance transfers for 18 months
  • Uncapped reward points
  • 2% balance transfer fee
  • High 22.74% p.a. interest rate for balance transfers after the introductory period
  • 3.4% foreign currency fee
Rewards program Kogan Rewards Program
Annual fee $0
Purchase rate p.a. 21.99%
Welcome offer 0% Balance Transfer Offer
Interest-free period Up to 44 days on purchases
Balance transfer p.a. 0% for 18 months with 2% bt fee, then 22.74%
Bonus points N/A
Rewards points per $ spent 1
Foreign currency conversion fee 3.4%

⭐ How to get this offer:

  • Apply through Finder during the offer period. While there is no specified date that this exclusive offer will end, it's only available for a limited time.
  • Charges a 2% balance transfer fee.
  • A balance transfer request will be processed from a minimum of $500 up to 80% of your approved credit limit.

Cashback Offer

St.George Vertigo Card - Cashback Offer

St.George Vertigo Card - Cashback Offer logo
More info
Up to $450 Cashback Offer
$84
Annual fee
13.99%
Purchase rate
Get $75 cashback each month when you spend at least $1,000/month for the first 6 months from approval (up to $450 cashback). Plus, 6.99% p.a. on balance transfers for 12 months.
  • Up to $450 cashback offer
  • $7 monthly card fee
  • Shopping cashbacks through ShopBack
  • Cashback offer could make it tempting to spend more than usual
  • No rewards program
  • Does not offer travel perks or insurance covers
Rewards program N/A
Annual fee $84
Purchase rate p.a. 13.99%
Welcome offer Up to $450 Cashback Offer
Interest-free period Up to 55 days on purchases
Balance transfer p.a. 6.99% for 12 months, then 21.99%
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee 3%

⭐ How to get this offer:

  • Apply during the offer period. While there is no specified date that this offer will end, it's only available for a limited time.
  • Spend $1,000 on eligible purchases each month for the first 6 months to get up to $450 cashback.
  • The $450 cashback will be credited to your account as a statement credit within 90 days of meeting the spend requirement.
.

0% Foreign Fees Offer

Bankwest Breeze Platinum Mastercard

Bankwest Breeze Platinum Mastercard logo
More info
0% Foreign Transaction Fees
$59
Annual fee
12.99%
Purchase rate
Save with 0% p.a. for 24 months on balance transfers (with a 3% balance transfer fee).
  • Balance transfer offer of 0% p.a. for 24 months
  • A low ongoing 12.99% p.a. purchase rate
  • No foreign transaction fees on overseas purchases
  • Does not include a rewards program
  • Cash advance rate of 21.99% p.a.
  • Charges a 3% balance transfer fee
Rewards program N/A
Annual fee $59
Purchase rate p.a. 12.99%
Welcome offer 0% Foreign Transaction Fees
Interest-free period Up to 55 days on purchases
Balance transfer p.a. 0% for 24 months with 3% bt fee, then 12.99%
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee 0%

⭐ How to get this offer:

  • Apply during the offer period. While there is no specified date that this offer will end, it's only available for a limited time.
  • Charges a one-time 3% balance transfer fee.
  • This card gives you a way to save on overseas travel costs with 0% foreign transaction fees and overseas travel insurance, with the option of upgraded cover through Cover-More.

Business Offer

American Express Qantas Business Rewards Card

American Express Qantas Business Rewards Card logo
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150,000 Bonus Qantas Points and $200 in your Qantas Business Rewards Travel Fund
$450
Annual fee
N/A
Purchase rate
Get 150,000 bonus Qantas Points plus $200 in your Qantas Business Rewards Travel Fund when you spend $6,000 on eligible purchases in the first 3 months. Offer will end on 10 November 2026.
  • 150,000 bonus Qantas Points plus $200 in your Qantas Business Rewards
  • Complimentary travel insurance
  • 2 complimentary domestic Qantas Club lounge passes per year (after eligible Qantas spend)
  • The standard $450 annual fee is relatively high
  • 3.5% foreign currency conversion fee
Rewards program Qantas Business Rewards
Annual fee $450
Purchase rate p.a. N/A
Welcome offer 150,000 Bonus Qantas Points and $200 in your Qantas Business Rewards Travel Fund
Interest-free period Up to 51 days on purchases
Balance transfer p.a. N/A
Bonus points 150,000
Rewards points per $ spent 1.25
Foreign currency conversion fee 3.5%

⭐ How to get this offer:

  • Be a new American Express card member. This means you can't have an Amex card in your name now, or have had one in the past 18 months.
  • Spend $6,000 in the first 3 months to get 150,000 bonus Qantas Points.
  • Provide your Qantas Business Rewards membership details. The 150,000 bonus points will be added to your account 8-10 weeks after the spend criteria is met.

How to choose a credit card offer

You can get heaps of value from an introductory offer, but there are a few things to watch out for. Asking these questions before you apply can help you choose a deal that gives you the biggest bang for your buck:

When does the offer end?

Make sure you have enough time to apply, and that the offer hasn't expired already. If there's no date when the offer ends, just double-check the details before you apply.

How much time do I have to get value from this offer?

If it's a 0% interest rate offer, check how many months you'll get before a higher rate applies. For bonus points, look at how long you have to meet the spend requirement.

Can I realistically meet the requirements?

A bonus points offer won't be worth it if you can't meet the spend requirement or don't want to pay the annual fee.

For balance transfer offers, the annual fee and any balance transfer fee add to your costs and may mean you take longer to pay off the balance. So you need to consider that when looking at how many months you get interest-free.

What are the card's standard features?

Checking these features helps you avoid getting stuck with a card you don't want after the introductory period. Key features to check include:

  • The ongoing annual fee
  • The interest rate for purchases
  • The revert rate for balance transfers
  • How many points you'll earn per $1 spent
  • Any other perks or features you want, such as complimentary travel insurance
Richard Whitten's headshot
Our expert says: New customers get the best deals

"Introductory offers represent some of the best value in credit cards you can get. The catch? You often have to be a new customer to get these great deals. But plenty of people (we call them "churners") jump from card to card, chasing great introductory offers. There are many banks and card companies you can move between. And luckily, many of them only specify that you can't have had a card with them in the last 2 years or 18 months. "

Richard Whitten's headshot
Senior Money Editor

How can I apply for a promotional credit card offer?

Each introductory offer has some requirements you'll need to meet to be eligible. The criteria varies but usually you'll need to:

  • Be a new customer. Introductory offers are usually for new credit card customers. For example, American Express introductory offers are only available if you haven't had an Amex card for at least 18 months.
  • Apply before the offer ends. Many promotional credit card offers are only available when you apply by a specific date. And deals that don't list an end-date can change at any time.
  • Get approved for the card. To get approved, you'll need to meet the card's eligibility criteria. Each card is different but there are usually requirements around your Australian residency status, income and credit score. Banks and issuers need to consider these details to make sure they meet their responsible lending requirements.
  • Meet the offer requirements. To get bonus points or cash back you'll usually need to meet a spend requirement, such as $3,000 in the first 90 days.

Tip: Keep an eye out for the phrase "up to" with big bonus point offers. It usually means you'll need to meet a spend requirement when you first get the card, then keep it open for at least a year (and pay the annual fee).

What types of introductory credit card offers can I get?

Balance transfer

0% balance transfer

If you're already paying off a card, a 0% balance transfer credit card can help by offering an introductory, interest-free period for the first 6 to 32 months. After that, a higher rate applies if you're still paying off the balance. Some of these deals also charge a one-time balance transfer fee worth around 1-2% of the debt you transfer.

0% interest

0% interest on purchases

If you're planning to pay for some big-ticket items, a credit card offering 0% interest on purchases means you can buy it and pay no interest for an introductory period. Depending on the credit card deal, this could give you 3 to 20 months to pay off your purchases interest-free (but higher rates apply after that).

No annual fee

No annual fee or reduced first-year fee

This type of credit card promotion can save you tens or hundreds of dollars by offering a $0 or reduced annual fee in the first year. After that, the ongoing annual fee is charged – so it's kind of like "trying before you buy".

Reward points

Bonus points

Rewards credit cards can offer up to 200,000 bonus points when you apply as a new cardholder. These bonus point promotions typically have a spend requirement in the first few months, and sometimes you need to keep the card at least 12 months to get all the points.

Frequent flyer rewards

Bonus frequent flyer points

Many frequent flyer credit cards also offer bonus points on sign-up, including some that give you enough Qantas or Velocity Points to fly overseas. As well as a spending requirement, you'll need to include your frequent flyer membership details to get the bonus points.

Cashback

Cashback

Cashback offers usually put money back on your new credit card or give you a gift card when you meet a spend requirement. The amount you get back can range from around $30 to $250 or more.

Offers

Other introductory offers

Sometimes, credit card companies will offer more unique deals for new cardholders. For example, gold frequent flyer status, a reduced annual fee for life or a mix of different introductory offers.

Compare more credit card offers

5 of 91 results
Checked 3 October 2026
Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Qantas Money Platinum image
Qantas Money Platinum
Qantas Frequent Flyer
20.99%
Bonus points
80,000
Points per $ spent
1
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 24 months
with 3% balance transfer fee, then 21.99%
Annual fee
$349 first year ($399 after)
Receive 2 single-entry complimentary lounge invitations per year.
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Qantas American Express Ultimate Card image
Qantas American Express Ultimate Card
Most LovedQantas Frequent Flyer
23.99%
Bonus points
120,000
Points per $ spent
1.25
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$450
Get 70,000 bonus Qantas Points when you spend $5,000 on eligible purchases in the first 3 months and additional 50,000 points when you meet the same spend requirement in year 2. New American Express card members only. Ends 17 Nov 2026. T&Cs apply.
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Kogan Money Credit Card - Balance Transfer Exclusive Offer image
Kogan Money Credit Card - Balance Transfer Exclusive Offer
ExclusiveKogan Rewards Program
21.99%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
0% for 18 months
with 2% balance transfer fee, then 22.74%
Annual fee
$0
Finder exclusive: Save with 0% p.a. for the first 18 months on balance transfers (with a one-time 2% balance transfer fee). T&Cs apply.
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Westpac Low Rate Card image
Westpac Low Rate Card
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 20 months
with 3% balance transfer fee, then 21.99%
Annual fee
$84
Go to siteView details
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ANZ Rewards Platinum - Velocity Points image
ANZ Rewards Platinum - Velocity Points
ANZ Rewards Program
22.49%
Bonus points
80,000
Points per $ spent
1.5
Interest-free period
Up to 44 days on purchases
Balance transfer rate p.a.
23.49%
Annual fee
$94
Earn up to 80,000 bonus Velocity Points: 60,000 points + $50 back when you spend $3,500 in the first 3 months from approval and 20,000 points when you keep your card open for 15 months from activation.
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Showing 5 of 91 results

Frequently asked questions

Sources

Pictures: Freepik

Richard Whitten's headshot
To make sure you get accurate and helpful information, this guide has been edited by Richard Whitten as part of our fact-checking process.
Amy Bradney-George's headshot
Journalist
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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise
Amy has written 417 Finder guides across topics including:
  • Credit cards
  • Frequent flyer
  • Credit score
  • BNPL
  • Money management
  • Sustainability
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