Compare the best interest free credit cards

Find a credit card that best suits your needs. Compare interest rates, balance transfer rates, annual fees and more from Australia's leading lenders big and small. - Data last updated on 21 Jun 2018

Now showing 1 - 20 of 44 interest free days credit cards
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Platinum Credit Card
Balance Transfer0% p.a. balance transfer for 22 months (with a 2% balance transfer fee). $0 first year annual fee
Purchase Rate
19.99%
Interest Free Days
55
Annual Fee
$0
Card limit
No set max
Compare
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Platinum Card (Suncorp Bank Rewards)
Bonus PointsTriple reward points for the first 6 months, 0% p.a. on balance transfers for 18 months
Purchase Rate
20.74%
Interest Free Days
55
Annual Fee
$129
Card limit
$30,000
Compare
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Virgin Australia Velocity Flyer Card (Balance Transfer & Points Offer)
Balance TransferEarn 3 bonus Velocity Points on top of your standard earn rate for each eligible $1 spent per month in the first 3 months and 0% p.a. on balance transfers for 18 months when you apply by 30 June 2018
Purchase Rate
20.74%
Interest Free Days
44
Annual Fee
$64
for 12 months then $129
Card limit
$30,000
Compare
Low Rate Card
Balance TransferExclusive online special: 0% p.a. on balance transfers for 26 months (2% BT fee applies) then reverts to variable cash advance rate. $0 annual card fee in the first year (saving $59). Exclusions apply. Offer ends 31 July 2018.
Purchase Rate
13.49%
Interest Free Days
55
Annual Fee
$0
for 12 months then $59
Card limit
$25,000
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Velocity Platinum Card
Bonus PointsReceive 50,000 bonus Velocity Points when you apply online and spend $3,000 within the first 3 months. 0% p.a. on balance transfers for 12 months
Purchase Rate
20.74%
Interest Free Days
55
Annual Fee
$375
Card limit
$50,000
Compare
Velocity Escape Card
Balance Transfer0% p.a. on balance transfers for the first 12 months
Purchase Rate
20.74%
Interest Free Days
55
Annual Fee
Card limit
$25,000
Compare
Rewards Black
Bonus Points75,000 bonus Rewards Points and $100 back to your new ANZ Rewards Black when you make one eligible purchase in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
Purchase Rate
18.79%
Interest Free Days
55
Annual Fee
$375
Card limit
No set max
Compare
Platinum
Purchase Rate
17.99%
Interest Free Days
55
Annual Fee
$125
Card limit
No set max
Compare
Frequent Flyer Black
Bonus Points75,000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black when you make one eligible purchase in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
Purchase Rate
19.99%
Interest Free Days
55
Annual Fee
$425
Card limit
No set max
Compare
Low Rate
Balance Transfer0% p.a. on balance transfers for the first 15 months. No Balance Transfer Fee.
Purchase Rate
12.49%
Interest Free Days
55
Annual Fee
$58
Card limit
No set max
Compare
Platinum
Balance Transfer0% p.a. on balance transfers for the first 18 months
Purchase Rate
19.74%
Interest Free Days
55
Annual Fee
$0
for 12 months then $87
Card limit
No set max
Compare
Low Rate Credit Card
Balance Transfer0% p.a. balance transfer for 20 months (with a 2% balance transfer fee)
Purchase Rate
13.25%
Interest Free Days
55
Annual Fee
$79
Card limit
No set max
Compare
Vertigo Platinum
Balance TransferOnline only - 0% p.a. for 24 months on balance transfers requested at card application (1% BT Fee Applies). Rate then switches to applicable variable cash advance rate. $0 annual card fee for the first year (saving you $99).
Purchase Rate
12.74%
Interest Free Days
55
Annual Fee
$0
for 12 months then $99
Card limit
$80,000
Compare
Low Rate Platinum
Balance Transfer0% p.a. on purchase interest rate for 9 months and 0% p.a. on balance transfers for 6 months
Purchase Rate
0%
for 9 months then 13.99%
Interest Free Days
55
Annual Fee
$100
Card limit
No set max
Compare
Platinum (Balance Transfer Offer)
Balance Transfer0% p.a. for 26 months on balance transfers when you apply by 30 June 2018
Purchase Rate
20.99%
Interest Free Days
55
Annual Fee
$49
for 12 months then $149
Card limit
$100,000
Compare
Platinum (Bonus Rewards Offer)
Bonus PointsReceive 100,000 Bonus Citi Reward Points and 0% p.a. on balance transfers for 15 months when you apply by 30 June 2018
Purchase Rate
20.99%
Interest Free Days
55
Annual Fee
$49
for 12 months then $149
Card limit
$100,000
Compare
Simplicity
Balance Transfer0% p.a. for 15 months on balance transfers and 5% cashback of up to $1,000 spend in the first 90 days (max $50 cashback) when you apply by 31 July 2018
Purchase Rate
19.99%
Interest Free Days
55
Annual Fee
Card limit
$100,000
Compare
Signature Rewards
Bonus PointsReceive 120,000 Bonus Citi Reward Points and 0% p.a. for 15 months on balance transfers when you apply by 30 June 2018
Purchase Rate
20.99%
Interest Free Days
55
Annual Fee
$199
for 12 months then $395
Card limit
$100,000
Compare
Rewards Platinum
Bonus Points65,000 bonus Rewards Points and $50 back to your new ANZ Rewards Platinum when you make one eligible purchase in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
Purchase Rate
18.79%
Interest Free Days
55
Annual Fee
$95
Card limit
No set max
Compare
Rewards Travel Adventures Card
SpecialEnjoy a Complimentary Return Domestic Flight Each Year
Purchase Rate
20.24%
Interest Free Days
55
Annual Fee
$225
Card limit
No set max
Compare
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Credit cards are a popular choice when it comes to personal finance. They can help you keep track of your spending and give you the freedom to make larger purchases, especially if you choose a card with interest-free days. You might be asking yourself a few questions on your search for credit cards with interest-free days.

What are interest-free days?

Interest-free days refer to the number of days you can purchase goods before being charged interest on those purchases. For example, you may be offered 55 interest-free days, meaning you can use your credit card to make purchases without having to pay it back for up to 55 days.

How many interest-free days do you usually get?

The number of interest-free days you’ll receive can vary from card to card. Typically, the number of interest-free days ranges anywhere from 50-62 days. If you value interest-free days, you might consider choosing a card with over 55 days of interest-free spending.

Are there limitations to using credit cards with interest-free days?

The benefit of more interest-free days typically comes with a few conditions. For example, some credit cards will take away your interest-free days if you don’t pay your balance by the due date on your statement. It’s also worth noting that your interest-free days align with your payment cycle rather than the purchase date. This means that not every purchase you make will be interest-free for the full interest-free period.

What happens if you don’t pay your bill during the interest-free days?

After your interest-free period expires, the purchases that you haven’t yet paid off will begin to charge interest. If you tend to pay your bill in full each month, you might not worry about racking up interest charges. However, if you don’t usually pay your bill in full and on time, you could end up paying interest each month.

How do you find a credit card with interest-free days?

Many credit card providers offer interest-free days as a benefit of choosing their card. It’s great to compare credit cards with interest-free days before making your choice. When comparing, don’t forget to check for any fees that might accompany the card.

What fees do credit cards charge?

A few common fees are an annual fee, late payment fee and foreign transaction fee. Annual fees vary, with some cards charging a few hundred dollars and others charging nothing at all. Credit cards with no annual fee don’t charge for the convenience of having your card but might not provide the same benefits as cards with higher annual charges.

Most credit cards have a fee for late payments. This charge will be added if you can’t pay or forget to pay your bill. These fees can range from $0 to upwards of $30, so you might want to check the late payment fee before you choose a credit card.

Foreign transaction fees might be added to your purchases when shopping overseas. If you’re an avid traveller, consider searching for a card without a foreign transaction fee.

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