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.

Calculate how much you could save from our purchase rate credit cards

1 - 10 of 10
Product Name Card
Purchase Rate
Annual Fee
Max Free Days
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Visa
Suncorp Bank Platinum Card (Suncorp Bank Rewards)
Balance Transfer0% interest for 14 months on Purchases, 0% p.a. on balance transfers for 14 months ; $45 Annual Fee for 1st year 

Free domestic travel insuranceFree international travel insurance

Purchase Rate
0%
Annual Fee
$45
for 12 months then $129
Max Free Days
55

More details

Visa
Citi Rewards Platinum (Purchase Offer)
Purchase Offers0% p.a. on retail purchases for 13 months, 0% p.a. on balance transfers for 13 months and a reduced annual fee of $49 p.a. in the first year. 

Free international travel insurancePurchase protection

Purchase Rate
0%
Annual Fee
$49
for 12 months then $149
Max Free Days
55

More details

Visa
Virgin Money Virgin Australia Velocity Flyer Card (Purchase & Balance Transfer Offer)
Purchase Offers0% p.a. for 14 months on purchases and 0% p.a. for 6 months on balance transfers (reverts to cash advance rate). Pay half annual fee in the first year. Plus receive a $129 Virgin Australia Gift Voucher each year. 

Price guaranteeConcierge

Purchase Rate
0%
Annual Fee
$64
for 12 months then $129
Max Free Days
44

More details

MasterCard
Westpac Low Fee

Free supplementary cards

Purchase Rate
0%
Annual Fee
$0
for 12 months then $30
Max Free Days
55

More details

MasterCard
Westpac Low Fee Platinum

Free domestic travel insuranceFree international travel insuranceFree supplementary cardsPurchase protection

Purchase Rate
0%
Annual Fee
$0
for 12 months then $90
Max Free Days
55

More details

Visa
HSBC Platinum Credit Card
Balance Transfer0% p.a. interest on purchases for the first 12 months and 0% p.a. interest on balance transfers for 12 months with no BT fee. T&C’s and lending criteria apply. Offer ends 31 Dec 2019. 

Free domestic travel insuranceFree international travel insurance

Purchase Rate
0%
Annual Fee
$129
Max Free Days
55

More details

Visa
NAB Low Rate Platinum (Balance Transfer & Purchase Offer)
Balance Transfer0% purchase rate for 15 months. Only available for new cards. 0% p.a. on balance transfers for 6 months. 

Free domestic travel insuranceFree international travel insurance

Purchase Rate
0%
Annual Fee
$100
Max Free Days
55

More details

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Visa
NAB Low Rate Card
Balance Transfer0% p.a. on balance transfers for 6 months 

Free supplementary cardsPurchase protection

Purchase Rate
0%
Annual Fee
$59
Max Free Days
55

More details

Visa
Bank First Visa Classic Credit Card

Free supplementary cards

Purchase Rate
0%
Annual Fee
$0
Max Free Days
55

More details

Visa
Bank First Visa Platinum Credit Card

Free international travel insuranceFree supplementary cardsConcierge

Purchase Rate
0%
Annual Fee
$99
Max Free Days
55

More details

Assumptions | Australian Credit License 316710.

What is a 0% purchase credit card?

Credit cards offering 0% interest for a fixed period provide shoppers with a substantial amount of time to pay down their debt.

Unlike regular credit cards, which offer up to 62 days’ interest free, a 0% purchase card gives users between 6- 13 months breathing space before interest is charged.

0% purchase cards are essentially credit cards with long interest free promotional periods attached. 

0% purchase card traps

While interest free cards do have their perks, shoppers should be cautious. When the interest free period ends the standard interest rate for purchases on the credit card is applied. 

If you haven’t been paying down your debt, or worse still, have overspent on the card, you could be in serious financial trouble.

To avoid falling into debt, shoppers should make regular repayments to the card. It’s essential to have the debt cleared entirely when the promotional period ends, if you want to avoid paying interest.

While interest free cards sound extremely attractive, if you are someone who has trouble managing your finances, you are much better off saving for your purchase first and paying upfront.

When shopping for a 0% card look for:

  • Long interest free periods: To make the most out your 0% purchase card, consider a card with a long interest free promotional period. This will give you time to develop a solid payment plan to clear the debt before the interest free period ends. 
  • Low ongoing purchase rate: Like anything, all good things must come to an end, and so must 0% interest free periods. It’s important you focus on the interest rate you will be paying when the promotional period expires, before you sign up to the card.
  • Look for a card with a low annual fee and features to suit your personal needs.

Today's Top Credit Card Products

  • ^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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