Once Cards

Take advantage of interest-free terms with partnered retailers, flexible payment plans and balance transfer offers with Once credit cards.

Once is part of the ASX-listed FlexiGroup Limited Group and offers Visa credit cards geared towards regular shoppers who want more flexibility for purchases and repayments. Once boasts a broad range of retail partners in Australia, covering categories including furniture, computers, electrical appliances, solar appliances, home improvements and travel. These "Once retailers" allow you to take advantage of payment plans and interest-free terms when you use your Once credit card to make an purchase.  

With regular features including balance transfer offers and interest-free days, Once credit cards can be a competitive option whether you’re looking to save on interest or consolidate your debts. 

Once Credit Cards Comparison

Rates last updated May 27th, 2017.

Once 55 Day card

Purchase and cash advance rate of 19.95% p.a. has been changed to 22.99% p.a.

September 20th, 2016

Once Agile card

Purchase and cash advance rate of 19.95% p.a. has been changed to 22.99% p.a.

September 20th, 2016

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Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Once Agile card
Take advantage of 0% p.a. for 6 months on balance transfers and up to 6 months interest-free on card purchases worth $250 or more.
0% p.a. for 6 months (reverts to 22.99% p.a.) 0% p.a. for 6 months $99 p.a. More info
Once 55 Day card
A low introductory balance transfer offer plus low interest rates on purchases and cash advances.
22.99% p.a. 0% p.a. for 6 months $99 p.a. More info

Types of Once credit cards

  • Interest-free days credit cards

The 55 Day and Agile credit cards both offer cardholders up to 48 months interest-free when shopping with participating retailers. Plus, cardholders can take advantage of up to 55 interest-free days on all other purchases. Cardholders can also consolidate their debts with a balance transfer off of 0% p.a. for 6 months.

Rates last updated May 27th, 2017
Interest Free Period Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Once Agile card
A balance transfer offer of 0% p.a. for 6 months and up to 6 months interest-free on card purchases worth $250 or more
Up to 55 days on purchases 0% p.a. for 6 months (reverts to 22.99% p.a.) 0% p.a. for 6 months $99 p.a. More info
Once 55 Day card
A low introductory balance transfer offer plus low interest rates on purchases and cash advances.
Up to 55 days on purchases 22.99% p.a. 0% p.a. for 6 months $99 p.a. More info
Rates last updated May 27th, 2017
Interest Free Period Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Essential®  Credit Card
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
Up to 55 days on purchases 14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
Up to 55 days on purchases 19.99% p.a. $199 p.a. Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
Up to 55 days on purchases 19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
Up to 55 days on purchases 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 0.75 Qantas Points for spending.
Up to 55 days on purchases 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
Bankwest Zero Platinum Mastercard
This card comes with a low 2.99% p.a. for 9 months on balance transfers, $0 foreign transaction fee, plus a $0 annual fee and complimentary international credit card travel insurance.
Up to 55 days on purchases 17.99% p.a. 2.99% p.a. for 9 months $0 p.a. Go to site More info
Citi Clear Platinum
Save with 14.99% p.a. on retail purchases. Also enjoy free wine when you dine with the Citibank Dining Program.
Up to 55 days on purchases 14.99% p.a. $99 p.a. Go to site More info
ANZ Low Rate
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
Up to 55 days on purchases 12.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
Up to 55 days on purchases 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
Commonwealth Bank Business Gold Awards Credit Card
Earn up to 2 Awards points per $1 spent and receive an unsecured credit limit of up to $50,000.
Up to 55 days on purchases 20.74% p.a. 5.99% p.a. for 5 months $150 p.a. Go to site More info
American Express Platinum Edge Credit Card
Earn up to 3 Membership Rewards Points per $1 spent and receive a $200 Travel Credit every year.
Up to 55 days on purchases 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
Bankwest Breeze Mastercard
Enjoy an introductory rate of 0% p.a. on balance transfers for 21 months (2% balance transfer fee applies). Limited time only.
Up to 55 days on purchases 12.99% p.a. 0% p.a. for 21 months with 2% balance transfer fee $59 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases, earn up to 1.5 for every dollar spent on eligible purchases, plus receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
Up to 55 days on purchases 20.24% p.a. $225 p.a. Go to site More info
American Express Explorer® Credit Card
Earn up to 2 Membership Rewards Points per $1 spent and receive a $400 Travel Credit every year.
Up to 55 days on purchases 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
Up to 55 days on purchases 11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
Up to 55 days on purchases 13.24% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
Bank of Melbourne Amplify Signature
Earn up to 3 Amplify Rewards Points per $1 spent and receive an additional card at no extra cost.
Up to 55 days on purchases 19.49% p.a. $279 p.a. Go to site More info
BankSA Vertigo Visa
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
Up to 55 days on purchases 13.24% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
Up to 55 days on purchases 13.24% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
St.George Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary overseas travel insurance.
Up to 55 days on purchases 19.49% p.a. $99 p.a. Go to site More info
About interest-free days credit cards

What are the benefits of banking with Once?

Once credit card customers can look forward to the following benefits:

  • Partner retailers

Once boasts an extensive list of retail partners from across Australia that offer up to 48 months interest-free, special promotional rates, and a range of other offers exclusive to Once credit card holders. Some of the partner retailers include:

    • Australian Outdoor Living
    • Bob Jane
    • Forty Winks
    • Solahart
    • Appliances Online
    • BBQ Factory
    • Ecosmart
    • Beds R Us

The range of retailers – and the offers available – vary based on the state or territory you're in. The Once website allows you to search for retailers by category, state and postcode so you can find relevant options and offers.

  • Balance transfer offers

New customers can repay their debts and save with interest with the following 0% balance transfer offers from Once:

  • Once Agile credit card. New customers can enjoy 0% p.a. on balance transfers for the first 6 months.
  • Once 55 Day credit card. Transfer existing card debts to this product and get 0% p.a. for the first 6 months.

To take advantage of either of these balance transfer credit card options, you must request the transfer at the time of your application.

  • Accessibility

You can use Once Visa co-branded credit cards at ATM or EFTPOS terminals in more than 200 countries and territories across the world. Plus, you can use your credit card online, anywhere that Visa is accepted.

Once cardholders can also access the entire rediATM network, including NAB and BOQ ATMs, across Australia without paying any direct ATM charges. Note that you will still be charged a cash advance fee and the cash advance interest rate if you use a Once credit card to get cash out of an ATM.

In addition to these features, you can monitor your account on-the-go by logging into the Once online banking platform. Here you can transfer funds, pay bills via BPAY and set up direct debits.

  • Visa benefits

Once credit cards are part of the Visa network and come with a range of benefits you can take advantage of when using your card. These include

  • Contactless payments. If you see the Visa payWave logo, you can use these cards to make contactless payments of less than $100 without entering your PIN.
  • Verified by Visa. Enjoy an extra layer of security for your online purchases by registering for Verified by Visa. This security service requests an additional password for each transaction with a participating online retailer, helping to ensure that your online transactions are authorised.
  • Visa Entertainment. Enjoy exclusive offers such as pre-sale tickets, movie passes, competitions and discounts on adventure experiences this complimentary program for Visa cardholders.

How to apply for a Once credit card

You can apply for the Once credit card online by submitting a secure online application. Before you apply, make sure you meet the following:

Eligibility requirements

  • You are over 18 years of age.
  • You are a permanent resident of Australia.

Required documents

  • Personal details like your complete name, date of birth, marital status and number of dependents
  • Your residential address, phone number and email address
  • Your employer’s name, address and phone number
  • Details about your finances

If you're seeking a low-interest credit card, the range of Once Visa options are worth considering. But make sure you also compare a variety of cards so that you can find the right one for your needs.

Frequently asked questions

If you have all the required information handy, the process should take no more than 10 to 15 minutes.

The maximum credit limit you can get through your Once credit card is $30,000. The limit you're assigned depends on factors including your existing financial status and your ability to repay.

Yes, you can, but cash advances don’t get any interest-free days.

You can make repayments via direct debits, BPAY, and Post Billpay.

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Read more on this topic

American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

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2 Responses to Once Cards

  1. Default Gravatar
    Shane | November 3, 2016

    Lost or can not remember PIN number

    • Staff
      May | November 3, 2016

      Hi Shane,

      Thank you for your question. You’ve come through to finder.com.au we are an Australian financial comparison website and general information service designed to help consumers make better decisions.

      You’d be best to get in touch with the customer service of Once, they’d be happy to assist you resetting your PIN number.

      Cheers,
      May

Credit Cards Comparison

Rates last updated May 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info

* 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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