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 August 21st, 2019
% p.a.

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Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount Saved Product Description
Once Agile card
0% p.a. for 6 months
0% for 6 months, reverts to 25.99% p.a.
$99 p.a.
Receive 0% interest for 6 months on any card purchase of $250 or more at participating retailers, plus, a 0% p.a. balance transfer rate for 6 months.
Once 55 Day card
0% p.a. for 6 months
25.99% p.a.
$99 p.a.
Receive up to 55 days interest-free on purchases and up to 48 months interest-free when you shop at participating Once retailers.

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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% p.a. 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% p.a. 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.

  • 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

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    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

    Rates last updated August 21st, 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.
    Virgin Australia Velocity Flyer Card - Annual Fee Offer
    20.74% p.a.
    0% p.a. for 18 months
    $50 p.a.
    Save with an ongoing $50 annual fee and 0% balance transfer offer. Plus, the ability to earn up to 30,000 bonus Velocity Points in the first 3 months.
    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.

    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.

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