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 December 9th, 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

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

View latest updates

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 December 9th, 2016
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 December 9th, 2016
Interest Free Period Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
Up to 55 days on purchases 11.99% p.a. $0 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
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
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
Up to 55 days on purchases 1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
Up to 55 days on purchases 19.99% p.a. $199 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
Up to 55 days on purchases 1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
Up to 55 days on purchases 19.99% p.a. 0% p.a. for 15 months $149 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
Citi Clear Platinum Card
A low rate platinum credit card with a low interest rate on purchases and balance transfers.
Up to 55 days on purchases 0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Go to site More info
28 Degrees Platinum MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee.
Up to 55 days on purchases 21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
Up to 55 days on purchases 0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
Up to 55 days on purchases 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
BankSA Vertigo Visa
A low interest rate card with a low annual fee, a long term balance transfer offer of 0% p.a. for 18 months and an introductory offer of 1% p.a. for 12 months on purchases.
Up to 55 days on purchases 1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
Up to 55 days on purchases 20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
Up to 55 days on purchases 0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per 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 Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
Up to 55 days on purchases 19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
Citi Rewards Credit Card - Classic Card
Earn points for every dollar spent on all eligible purchases and enjoy 0% p.a. on balance transfers for 12 months.
Up to 55 days on purchases 20.99% p.a. 0% p.a. for 12 months $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 have the chance to save money on existing card debts with the following balance transfer offers on different Once credit cards:

  • 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
  • You earn a minimum of $25,000 each year

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

How much time does it take to submit an online application?

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

What is the maximum credit limit I can get through a Once credit card?

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.

Can I use my Once credit card for cash advances?

Yes, you can, but cash advances don’t get any interest-free days. Getting a cash advance would not have any effect on outstanding balances from promotional purchases.

How can I make repayments?

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

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Read more on this topic

American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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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 December 9th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
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
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 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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