Credit card introductory offers are special deals promised to people who apply for credit cards. These special bonuses are offered on signup to a credit card, and can help encourage new borrowers to take out a credit card for the first time, or encourage existing cardholders to switch from their current credit card to another.

Find and compare introductory offer credit cards

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Product Name Card
Purchase Rate
Balance Transfer Rate
Transfer Limit
Balance Transfer Fee
Annual Fee
Interest Free Days
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Purchase Rate

11.99%

Balance Transfer Rate

6%

for 5 months then 11.99%

100%

of the approved credit limit

$0

Annual Fee

$49

Interest Free Days

55

More details

Purchase Rate

0.90%

for 15 months then 14.99%

Balance Transfer Rate

0.9%

for 15 months then 22.24%

80%

of the approved credit limit

$0

Annual Fee

$99

Interest Free Days

55

Go to site
More details

Purchase Rate

23.99%

Balance Transfer Rate

4.99%

for 15 months then 25.99%

95%

of the approved credit limit

2%

Annual Fee

$79

Interest Free Days

55

More details

Purchase Rate

20.49%

Balance Transfer Rate

6.99%

for 12 months then 21.49%

80%

of the approved credit limit

$0

Annual Fee

$250

Interest Free Days

45

More details

Purchase Rate

19.74%

Balance Transfer Rate

6.99%

for 12 months then 21.49%

$80k

max card limit

$0

Annual Fee

$79

Interest Free Days

55

More details

Purchase Rate

12.99%

Balance Transfer Rate

6.99%

for 12 months then 21.49%

80%

of the approved credit limit

2%

Annual Fee

$99

Interest Free Days

55

More details

Purchase Rate

20.74%

Balance Transfer Rate

6.99%

for 12 months then 21.49%

80%

Requested at a card application only.

1%

Annual Fee

$0

Interest Free Days

55

More details

Purchase Rate

6.99%

for 6 months then 11.99%

Balance Transfer Rate

0%

for 6 months then 19.49%

95%

of the approved credit limit

$0

Annual Fee

$49

Interest Free Days

55

More details

Purchase Rate

6.99%

for 6 months then 18.49%

Balance Transfer Rate

0%

for 6 months then 18.49%

95%

of the approved credit limit

$0

Annual Fee

$129

Interest Free Days

55

More details

Purchase Rate

19.74%

Balance Transfer Rate

6.99%

for 12 months then 21.49%

$80k

max card limit

$0

Annual Fee

$79

Interest Free Days

55

More details

Purchase Rate

12.99%

Balance Transfer Rate

6.99%

for 12 months then 21.49%

80%

of the approved credit limit

2%

Annual Fee

$99

Interest Free Days

55

More details

Purchase Rate

6.99%

for 6 months then 16.95%

Balance Transfer Rate

16.95%

95%

of the approved credit limit

$0

Annual Fee

$50

Interest Free Days

55

More details

Purchase Rate

6.99%

for 6 months then 11.95%

Balance Transfer Rate

11.95%

95%

of the approved credit limit

$0

Annual Fee

$0

Interest Free Days

44

More details

Purchase Rate

20.49%

Balance Transfer Rate

2.99%

for 9 months then 20.49%

95%

of the approved credit limit

$0

Annual Fee

$270

Interest Free Days

44

More details

Purchase Rate

20.49%

Balance Transfer Rate

2.99%

for 9 months then 20.49%

95%

of the approved credit limit

$0

Annual Fee

$160

Interest Free Days

44

More details

Purchase Rate

0.00%

for 15 months then 10.99%

Balance Transfer Rate

2.99%

for 9 months then 10.99%

95%

of the approved credit limit

2%

Annual Fee

$49

Interest Free Days

55

More details

Purchase Rate

17.99%

Balance Transfer Rate

2.99%

for 9 months then 17.99%

95%

of the approved credit limit

$0

Annual Fee

$0

Interest Free Days

55

More details

Purchase Rate

17.99%

Balance Transfer Rate

2.99%

for 9 months then 17.99%

95%

of the approved credit limit

$0

Annual Fee

$0

Interest Free Days

55

More details

Purchase Rate

0.00%

for 15 months then 10.99%

Balance Transfer Rate

2.99%

for 9 months then 10.99%

95%

of the approved credit limit

2%

Annual Fee

$69

Interest Free Days

55

More details

Purchase Rate

6.99%

for 6 months then 16.95%

Balance Transfer Rate

6.99%

for 6 months then 16.95%

95%

of the approved credit limit

$0

Annual Fee

$0

Interest Free Days

55

More details

Purchase Rate

20.09%

Balance Transfer Rate

6.99%

for 12 months then 21.49%

80%

of the approved credit limit

2%

Annual Fee

$0

for 12 months then $90

Interest Free Days

55

More details

Purchase Rate

20.24%

Balance Transfer Rate

5.99%

for 5 months then 21.24%

100%

of the approved credit limit

$0

Annual Fee

$59

Interest Free Days

55

More details

Purchase Rate

20.24%

Balance Transfer Rate

5.99%

for 5 months then 21.24%

100%

of the approved credit limit

$0

Annual Fee

$249

Interest Free Days

55

More details

Purchase Rate

20.24%

Balance Transfer Rate

5.99%

for 5 months then 21.24%

100%

of the approved credit limit

$0

Annual Fee

$349

Interest Free Days

55

More details

Purchase Rate

19.74%

Balance Transfer Rate

5.99%

for 5 months then 21.24%

100%

of the approved credit limit

$0

Annual Fee

$0

for 12 months then $29

Interest Free Days

55

More details

Purchase Rate

13.24%

Balance Transfer Rate

5.99%

for 5 months then 21.24%

100%

of the approved credit limit

$0

Annual Fee

$59

Interest Free Days

55

More details

Purchase Rate

0.00%

for 15 months then 13.24%

Balance Transfer Rate

5.99%

for 5 months then 21.24%

100%

of the approved credit limit

$0

Annual Fee

$89

Interest Free Days

55

More details

Purchase Rate

0.00%

for 15 months then 19.74%

Balance Transfer Rate

5.99%

for 5 months then 21.24%

100%

of the approved credit limit

$0

Annual Fee

$0

for 12 months then $89

Interest Free Days

55

More details

Purchase Rate

3.99%

for 6 months then 11.74%

Balance Transfer Rate

11.74%

$25k

max card limit

$0

Annual Fee

$45

Interest Free Days

55

More details

Purchase Rate

4.99%

for 5 months then 12.95%

Balance Transfer Rate

4.99%

for 5 months then 12.95%

100%

of the approved credit limit

$0

Annual Fee

$0

Interest Free Days

55

More details

Purchase Rate

19.99%

Balance Transfer Rate

5.99%

for 6 months then 21.99%

95%

of the approved credit limit

$0

Annual Fee

$0

Interest Free Days

55

More details

Purchase Rate

20.24%

Balance Transfer Rate

5.99%

for 5 months then 21.24%

100%

of the approved credit limit

$0

Annual Fee

$420

Interest Free Days

55

More details

Purchase Rate

12.99%

Balance Transfer Rate

6.95%

for 6 months then 12.99%

$30k

max card limit

$0

Annual Fee

$30

Interest Free Days

55

More details

Purchase Rate

8.99%

for 6 months then 14.00%

Balance Transfer Rate

0%

for 12 months then 14%

$25k

max transferable limit

$0

Annual Fee

$40

Interest Free Days

55

More details

Purchase Rate

2.99%

for 6 months then 12.95%

Balance Transfer Rate

2.99%

for 6 months then 12.95%

$30k

max card limit

$0

Annual Fee

$59

Interest Free Days

62

More details

Purchase Rate

4.99%

for 5 months then 18.99%

Balance Transfer Rate

4.99%

for 5 months then 18.99%

$20k

max card limit

$5

Annual Fee

$249

Interest Free Days

55

More details

Purchase Rate

4.99%

for 5 months then 12.34%

Balance Transfer Rate

4.99%

for 5 months then 12.34%

$20k

max card limit

$5

Annual Fee

$0

Interest Free Days

More details

Purchase Rate

4.99%

for 5 months then 15.85%

Balance Transfer Rate

4.99%

for 5 months then 15.85%

$20k

max card limit

$5

Annual Fee

$0

Interest Free Days

46

More details

Purchase Rate

8.00%

for 8 months then 12.24%

Balance Transfer Rate

8%

$10k

max card limit

$0

Annual Fee

$45

Interest Free Days

55

More details

Purchase Rate

19.74%

Balance Transfer Rate

6.99%

for 12 months then 21.49%

$80k

max card limit

$0

Annual Fee

$79

Interest Free Days

55

More details

Purchase Rate

0.00%

for 15 months then 12.99%

Balance Transfer Rate

6.99%

for 12 months then 21.49%

80%

of the approved credit limit

2%

Annual Fee

$99

Interest Free Days

55

More details

Purchase Rate

7.90%

for 6 months then 11.50%

Balance Transfer Rate

7.9%

for 6 months then 11.5%

100%

of the approved credit limit

$0

Annual Fee

$0

Interest Free Days

55

More details

Purchase Rate

7.90%

for 6 months then 11.50%

Balance Transfer Rate

7.9%

for 6 months then 11.5%

100%

of the approved credit limit

$0

Annual Fee

$0

Interest Free Days

55

More details

Learn more about credit cards

What are the different types of credit card introductory offers?

Some of the introductory credit card offers available in Australia include:

  • A discount low interest rate on purchases
  • An interest-free promotion on purchases
  • Bonus reward points and/or frequent flyer points
  • No annual fees or discounted annual fees
  • Cash back offers, which may be for a percentage of each purchase, or a fixed amount
  • Balance transfer deals, which charge low or no interest on outstanding debt when you switch from one card to another

Some credit cards may feature just one of these introductory offers, while others will provide a combination of bonuses.  

These promotions typically only last for a limited time. To keep enjoying bonus offers on your credit card, you may need to fulfil certain terms and conditions, such as spending a minimum amount on eligible transactions per month or per year.

It’s important to consider different offers and calculate which credit card may be right for you before making a choice. The best credit card deals for you may be the offers that best suit your household budget and spending style.

How can credit card introductory offers benefit me?

The bonuses from credit card introductory offers may be able to help you to: 

  • quickly and easily clear your credit card balance;
  • limit the growth of your credit card debt, or;
  • enjoy additional value from your credit card’s features.

A fee-free credit card offer can mean paying less for your credit card, and enjoying more value. It’s important to read the terms and conditions, as some credit cards only discount or waive fees for a limited time, or for as long as you maintain a minimum spend.

If you already owe a large balance on a credit card, and are being charged interest at a high rate, you may be struggling to catch up on your credit card payments. Switching to a credit card that charges no or low interest on balance transfers could give you the breathing room you need to pay down your debt during the card’s introductory period. Just remember that once the introductory period ends, you’ll need to pay interest on any remaining outstanding balance at the card’s revert rate. 

If your new credit card offers a low introductory interest rate on purchases, you can shop with confidence, knowing that you can rack up fewer interest charges on what you buy. You may even be able to find a card with a 0 per cent introductory purchase rate and no fees. But be aware that once the introductory period expires, you’ll need to pay interest on any outstanding purchases based on the card’s revert rate.

Savvy shoppers who like to chase freebies could benefit from a credit card with a good reward point introductory offer. If you find a credit card that offers great rewards and a generous number of bonus points on signup, simply switching cards could let you enjoy the royal treatment. To get a better idea of if a rewards card may be right for you, consider comparing the value offered by its rewards to the cost of its annual fee.

What should I keep in mind about credit card introductory offers?

To a new cardholder, credit card introductory offers can sound like a bonanza. While there’s plenty to make you smile, you also need to be smart about the way you approach these deals. 

  • Keep track of your introductory offer period: If your rates are going to rise, or a credit card bonus offer is going to expire, you’ll want to be prepared.
  • Always check your credit card’s revert rate: When the introductory period is over, it’s important to know what you’ll be charged in interest if you have any outstanding debt.
  • Always read the fine print: You don’t want to get caught out if a credit card offer sounds too good to be true.
  • Look beyond just the special offers: Introductory offers are just one factor that’s worth comparing when it comes to credit cards. Some cards might saddle you with high rates and fees along with that generous introductory deal.
  • Don’t hang on to a credit card that doesn’t work for you: If an introductory offer ends, and you’re no longer getting enough value out of your credit card, you may want to investigate other options. The card should work for you, not the other way around.

Frequently asked questions

Should I get a credit card?

Once you've compared credit card interest rates and deals and found the right card for you, the actual process of getting a credit card is quite straightforward. You can apply for a credit card online, over the phone or in person at a bank branch. 

What is a balance transfer credit card?

A balance transfer credit card lets you transfer your debt balance from one credit card to another. A balance transfer credit card generally has a 0 per cent interest rate for a set period of time. When you roll your debt balance over to a new credit card, you’ll be able to take advantage of the interest-free period to pay your credit card debt off faster without accruing additional interest charges. If your application is approved, the provider will pay out your old credit card and transfer your debt balance over to the new card. 

How do you use credit cards?

A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.

What should you do when you lose your credit card?

Losing your credit card is a serious situation, and could land you in financial trouble. Here is a simple guide detailing what to do when you lose your credit card.

Lock you card – Contact your provider and inform them about your lost credit card. From here lock, block or cancel your card.

Keep track of transactions – Look out for unauthorised credit card transactions. Most banks protect against fraudulent transactions.

Address recurring charges – If your card is linked to recurring charges (gym membership, rent, utilities), contact those businesses.

Check credit rate – To ensure you’re not the victim of identity theft, check your credit rating a month or two after you lose your credit card.

What should you do if your credit card is compromised?

Credit card fraud is a serious problem. If your credit card is compromised and you’re wondering what to do, here are a few precautionary steps to take.

Contact you credit provider – Get in touch will your credit card provider. If you feel your card has been compromised, you should be able to lock or block it.

Monitor your accounts – Keep an eye on your credit card accounts. Any unauthorised transactions could be a sign your credit card has been compromised.

Check your credit rating – It’s also important to check your credit rating, to ensure you’re not a victim of identity theft or some other financial mischief.

How easy is it to get a credit card?

For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.

Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.

Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.

Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.

How do you apply for a credit card?

You can apply for a credit card online, over the phone or in person at the bank. Once you’ve compared the current credit card offers, the application process is quick and easy. Before you get your application started, you’ll need to gather your personal information like proof of ID, payslips and bank statements, proof of employment and details of your income, assets and liabilities. To be eligible for a credit card, you’ll need to be an Australian citizen over 18 and earn a minimum of $15,000 each year. Once you’ve applied for a credit card, you should get a response fairly instantly. If your credit card application has been approved, you should receive a welcome pack with your new credit card within 10-15 days.

Can a pensioner get a credit card?

It is possible to get a credit card as a pensioner. There are some factors to keep in mind, including:

  • Annual income. Look for credit cards with minimum annual income requirements you can meet. 
  • Annual fees. If high fees are a concern for you, opt for a card with a low or $0 annual fee. 
  • Interest rate. Make sure you won’t have any nasty surprises on your credit card bill. Compare cards with a low interest rates to minimise risk.

How to get a credit card for the first time

A credit card can be a useful financial tool, provided you understand the risks and can meet repayment obligations.

If you’re a credit card first-timer, review your options. Think about what kind of credit card would suit your lifestyle, and compare providers by fees, perks and repayments.

Once you’ve selected a card, it’s time to apply. Credit card applications can generally be completed in store, online or over the phone.

When you apply for a credit card for the first time, you must meet age, residency and income requirements. As proof, you must also provide documentation such as bank account statements.

How do you use a credit card?

Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.

Which credit card has the highest annual percentage rate?

The credit card market changes all the time, so the credit card with the highest annual percentage rate is also liable to change.

Keep in mind that credit card interest rates are expressed as a yearly rate, or annual percentage rate (APR). A low APR is generally good but also consider:

  • There can be different APR's for each feature of the card (e.g. purchases may have an APR of 14 per cent, while cash advances on same card could have an APR of 17 per cent.
  • Credit cards with a variable rate can change throughout the year, affecting your APR, so check the full details.
  • If you pay your balance in full every month, having the lowest APR is not as important as the other fees associated with the card. However, if you carry a balance from month to month, then you want the lowest APR possible.

How to pay a credit card

There are a few ways to pay a credit card bill. These include:

  • BPAY - allows you to safely make credit card payments online.
  • Direct debits - set up an automatic payment from your bank account to pay your credit card bill each month. You can choose how much you want to pay of your credit card bill when you set up the auto payments.
  • In a branch.
  • Via your credit card provider's app.

How is credit card interest charged?

Your credit card will be charged interest when you don’t pay off the balance on your credit card. Your card provider or bank charges you the individual interest rate that is associated with your card, which is usually between 10 and 20 per cent. 

The interest will be added onto your bill each month or billing period if you don’t pay off the balance, unless you are in an interest-free period.

You will be charged interest on anything that hasn’t been paid for inside the interest-free period. Usually you will receive a notice on your bill or statement saying you will be charged interest so you have some form of notice before you’re charged.

How do you cancel a credit card?

It’s important to cancel your old cards to avoid any additional fees. Unless you’re doing a balance transfer, you’ll need to pay the outstanding balance before you cancel your credit card. If you’ve opted for a card with reward points, make sure you redeem or transfer the points before you close your account. To avoid any bounced payments and save yourself an admin headache, redirect all your direct debits to a new card or account. Once you’ve done all the preparation, call your bank or credit card provider to get the cancellation underway. Once you receive a confirmation letter, destroy your card and make sure the numbers aren’t legible.

How to pay a credit card from another bank

Paying or transferring debt from one lender to the other is called a balance transfer. This involves transferring part or all of the debt from a credit card with one lender to a credit card with another. As part of the process, your new lender will pay out the old lender, so that you now owe the same amount of money but to a new institution.

Many credit card providers offer an interest-free period on balance transfers to help new applicants better handle their debt. During this period, cardholders are not required to pay interest on the debt they brought over from the other card. This can be a great opportunity for consumers to pay off credit card debt with no interest. There are often fees associated with balance transfers; normally, these are a percentage of the amount transferred.

So make sure you read the terms and conditions of the card before transferring any debt across.

How do I apply for a credit card online?

How to calculate credit card interest

Credit card interest can quickly turn a manageable balance into unmovable debt. So being able to understand how interest rates translate into dollars is an important skill to acquire.

The common mistake people make is focusing on the credit card’s annual percentage rate (APR), which often sits between 15 and 20 per cent. While the APR does provide a rough idea of how much interest you’ll pay, it’s not entirely accurate.

This is because you actually accrue interest on your balance daily, not annually. So, you need to work out your daily periodic rate (DPR). To do this, divide your card’s APR by the number of days in a year (e.g. 16.9 per cent divided by 365, or 0.05 per cent). You can then apply this figure to the daily balance on your credit card.

How does credit card interest work?

Generally, when we talk about credit card interest, we mean the purchase interest rate, which is the interest charged on purchases you make with your credit card.

If you don’t pay your full balance each month (or even if you pay the minimum amount), you are charged interest on all the outstanding transactions and the remaining balance. However, interest is also charged on cash advances, balance transfers, special rate offers and, in some cases, even the fees charged by the company.

The interest rate can vary, depending on the credit card. Some have an interest-free period, otherwise you start paying interest from the day you make a purchase or from the day your monthly statement is issued. So avoid interest by paying the full amount promptly.

How to make a credit card online

If you’re wondering about how to make a credit card online application, here are some steps to follow:

  • Test the market. Many credit card options are available online. Compare providers by fees, interest and perks to ensure you’re getting the best deal.
  • Complete the application. Once you’ve selected a card, head to the provider’s website and complete the online credit card application form. Forms vary by providers.
  • Provide details. Most cards require you to meet age, residency, income and credit status condition, and you need to provide details like a bank account statement to prove this.
  • Review details. Ensure the information you’ve entered is correct.

Do you need a credit card to get a loan?

You do not need a credit card to get a loan, but you usually need to have a credit history. Without a credit history, a financial institution cannot assess your ‘credit worthiness’, or your capacity to pay off the loan.

If you don’t have a credit card, your credit history can reflect any record of paying off an asset. Without any credit credit history, you’re limited in the type of loans you can apply for. But you may be able to obtain a secured loan against an asset. For more information on improving your credit score, go here