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 June 27th, 2017
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Once Agile card
Receive 0% interest for 6 months on any Once Agile card purchase of $250 or more at participating retailers.
0% p.a. for 6 months (reverts to 22.99% p.a.)
0% p.a. for 6 months
$99 p.a.
Once 55 Day card
Receive up to 55 days interest-free on purchases and up to 48 months interest-free when you shop at participating Once retailers.
22.99% p.a.
0% p.a. for 6 months
$99 p.a.

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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

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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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 June 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 in 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 of eligible spend and receive complimentary travel and purchase protection insurances.
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.
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

* 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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