Once Cards

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

Last updated:


Once was part of FlexiGroup Limited Group and offered Visa credit cards geared towards regular shoppers who wanted more flexibility for purchases and repayments. Once boasted a broad range of retail partners in Australia, covering categories including furniture, computers, electrical appliances, solar appliances, home improvements and travel.

Credit cards discontinued

As of 21 June 2019, the Once brand has been discontinued. Any cards that were issued prior have been cancelled and the limits reduced to zero. However, we have left this page up for anyone who may be interested in previous offerings. If you are interested in interest-free payment plans with similar features to Once cards, check out the range of HSBC and Latitude Financial credit cards.

Please note that if you have an outstanding balance on an exiting Once credit card that you are still requirement to make payments.

Compare credit cards with instalment plans

Updated February 19th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
Westpac Low Rate Card
2019 Winner
Westpac Low Rate Card
13.74% p.a.
0% p.a. for 16 months
$59 p.a.
A no frills, low rate card offering 0% p.a. interest on balance transfers for the first 16 months, with no balance transfer fee.
Westpac Altitude Platinum Card - Online Offer
20.49% p.a.
0% p.a. for 20 months
$150 p.a.
Earn 40,000 bonus Altitude Points when you spend $2,000 within 90 days of card approval. Plus, a 0% p.a. balance transfer offer for 20 months.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% for 14 months, reverts to 20.74% p.a.
0% p.a. for 6 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first year annual fee and Velocity Points per $1 spent. Ends 24 Feb 2020.
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 24 Feb 2020.
Virgin No Annual Fee Credit Card
18.99% p.a.
0% p.a. for 12 months
$0 p.a.
Offers 0% p.a. for 12 months on balance transfers and up to 55 days interest-free on purchases, all for a $0 annual fee. Ends 24 Feb 2020.
David Jones American Express Platinum Card
20.74% p.a.
$295 p.a.
DJ's shoppers and Qantas travellers earn 30,000 bonus Membership Rewards Points or 15,000 Qantas Points on eligible spend.
David Jones American Express Card
20.74% p.a.
$99 p.a.
Not just for David Jones shoppers, receive 15,000 bonus Membership Rewards Points or 7,500 Qantas Points on eligible spend.

Compare up to 4 providers

Types of Once credit cards

  • Once Agile card

Make a purchase of $250 or more and you can save with a 6 month interest-free period. Shop with partner retailers and make further savings with up to 48 interest-free months and up to 55 interest-free days on all other purchases. The card also offers a promotional balance transfer offer of 0% for 6 months.

About balance transfer 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 of 0% for 6 months.

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.

  • 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

    Ask an Expert

    You are about to post a question on finder.com.au:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com.au is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

    2 Responses

    1. Default Gravatar
      ShaneNovember 3, 2016

      Lost or can not remember PIN number

      • Avatarfinder Customer Care
        MayNovember 3, 2016Staff

        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.


    Credit Cards Comparison

    Updated February 19th, 2020
    Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
    HSBC Platinum Credit Card - Balance Transfer Offer
    19.99% p.a.
    0% p.a. for 22 months
    $129 p.a.
    Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
    St.George Vertigo Classic
    13.99% p.a.
    0% p.a. for 18 months
    $55 p.a.
    Get 0% interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
    NAB Qantas Rewards Signature Card
    19.99% p.a.
    0% p.a. for 6 months with 2% balance transfer fee
    $295 p.a. annual fee for the first year ($395 p.a. thereafter)
    Collect up to 120,000 bonus Qantas Points. Get 90k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
    Latitude 28° Global Platinum Mastercard
    21.99% p.a.
    $0 p.a.
    Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.

    Compare up to 4 providers

    * 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.

    Ask a question
    Go to site