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Credit card offers available for a limited time

Find a deal on your next credit card with bonus points, 0% balance transfers, no annual fees and more.

Introductory credit card offers can help you save money, earn more points or get cash back to your account when you sign up. To kick-start your comparison, here are Finder's top picks for the most popular types of credit cards.

Balance Transfer Offer

St.George Vertigo Card

0.99% Balance Transfer Offer
$55
Annual fee
13.99%
Purchase rate
Save with 0.99% p.a. interest on balance transfers for 28 months (with no BT fee) on this low rate card. Offer ends 30 November 2024.
  • Balance transfer rate of 0.99% p.a. for the first 28 months, with no balance transfer fee
  • A low ongoing annual fee
  • Shopping cashbacks through ShopBack
  • Competitive purchase interest rate of 13.99% p.a.
  • Additional cardholder at no extra cost
  • Balance transfer rate reverts to 21.99% p.a. at the end of the introductory period
  • No rewards program, travel perks and insurance covers
Rewards program N/A
Annual fee $55
Purchase rate p.a. 13.99%
Welcome offer 0.99% Balance Transfer Offer
Interest-free period Up to 55 days on purchases
Balance transfer p.a. 0.99% for 28 months, then 21.99%
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee 3%

How to get this offer:

  • Apply by 30 November 2024.
  • Request a balance transfer for a minimum of $200, up to 80% of your approved credit limit from a non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards.
  • Remember: Any balance transfer debt that's left after the 28-month introductory period will attract the card's 21.49% p.a. standard cash advance rate.

Rewards Offer

Qantas Premier Platinum

Up to 100,000 Bonus Points
$349
Annual fee
19.99%
Purchase rate
Receive 70,000 bonus Qantas Points when you spend $3,000 on eligible purchases in the first 3 months and an additional 30,000 bonus points if you haven’t earned Qantas Points with a credit card in the last 12 months. Plus, $50 off the first year's annual fee and a balance transfer offer option.
  • Up to 100,000 bonus Qantas Points
  • Up to 2 Qantas Points per $1 spent
  • Balance transfer offer of 0% p.a. for 12 months
  • Discounted $349 first-year annual fee
  • Charges a 2% BT fee
  • The standard $399 annual fee is relatively high
  • Interest-free days won't apply if you’re carrying a balance transfer debt
  • Anything over $10,000 in a statement period earns a lower rate of 0.5 points per $1
Rewards program Qantas Frequent Flyer
Annual fee $349 for the first year ($399 thereafter)
Purchase rate p.a. 19.99%
Welcome offer Up to 100,000 Bonus Points
Interest-free period Up to 55 days on purchases
Balance transfer p.a. 0% for 12 months with 2% bt fee, then 21.99%
Bonus points 100,000
Rewards points per $ spent 1
Foreign currency conversion fee 3%

How to get this offer:

  • Apply during the offer period. While there is no specified date that this offer will end, it's only available for a limited time.
  • Spend $3,000 on eligible purchases in the first 3 months from approval to get the 70,000 bonus Qantas Points.
  • You can get an additional 30,000 bonus points if you haven't earned Qantas Points with a credit card in the last 12 months.
  • Include your Qantas Frequent Flyer membership number on the application. If you're not a member, you can join for free upon application.

Business Offer

American Express Qantas Business Rewards Card

150,000 Bonus Qantas Points and $200 credit
$450
Annual fee
N/A
Purchase rate
Get 150,000 bonus Qantas Points and a $200 credit when you spend $6,000 on eligible purchases in the first 3 months. Offers end on 01 October 2024.
  • 150,000 bonus Qantas Points
  • $200 credit
  • No pre-set spending limit and up to 51 days cash flow
  • Complimentary travel insurance
  • 2 complimentary domestic Qantas Club lounge passes per card membership year
  • $450 annual fee
  • 3% foreign currency conversion fee
Rewards program Qantas Business Rewards
Annual fee $450
Purchase rate p.a. N/A
Welcome offer 150,000 Bonus Qantas Points and $200 credit
Interest-free period Up to 51 days on purchases
Balance transfer p.a. N/A
Bonus points 150,000
Rewards points per $ spent 1.25
Foreign currency conversion fee 3%

How to get this offer:

  • Be a new American Express card member. This means you can't have an Amex card in your name now, or have had one in the past 18 months.
  • Spend $6,000 in the first 3 months to get 150,000 bonus Qantas Points.
  • Provide your Qantas Business Rewards membership details. The 150,000 bonus points will be added to your account 8-10 weeks after the spend criteria is met.

Low Rate Offer

Westpac Low Rate Card

0% Balance Transfer Offer
$59
Annual fee
13.74%
Purchase rate
0% p.a. on balance transfers for 26 months (with a 2% balance transfer fee). Offer ends on 30 November 2024.
  • 0% p.a. for the first 26 months on balance transfers
  • Low 13.74% p.a. interest rate on purchases
  • $0 first-year annual fee for existing customers
  • Charges a one-time 2% balance transfer fee
  • Balance transfer reverts to the high cash advance rate of 21.99% p.a. after the introductory period
Rewards program N/A
Annual fee $59
Purchase rate p.a. 13.74%
Welcome offer 0% Balance Transfer Offer
Interest-free period Up to 55 days on purchases
Balance transfer p.a. 0% for 26 months with 2% bt fee, then 21.99%
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee 3%

How to get this offer:

  • Apply by 30 November 2024 and be a new Westpac credit card customer.
  • Charges a one-time 2% balance transfer fee.
  • Request a balance transfer for a minimum of $200, up to 80% of your approved credit limit from a non-Westpac credit, charge, or store cards issued in Australia.
  • Remember: Any balance transfer debt that's left after the 15-month introductory period will attract the card's 21.99% p.a. cash advance rate.

Cashback Offer

ANZ Platinum Credit Card

$300 back & $0 First-Year Annual Fee
$0
Annual fee
20.99%
Purchase rate
Get $300 back on your new ANZ Platinum credit card when you spend $1,500 on eligible purchases in the first 3 months and a $0 annual fee for the first year.
  • $300 credit back on your new card
  • $0 annual fee in the first year ($87 p.a. thereafter). The annual fee is waived if you spend more than $20,000 on the card each year.
  • Complimentary insurance covers, including international travel insurance, purchase protection insurance and extended warranty insurance
  • Does not offer a rewards program
  • Charges a 3% foreign transaction fee
Rewards program N/A
Annual fee $0 for the first year ($87 thereafter)
Purchase rate p.a. 20.99%
Welcome offer $300 back & $0 First-Year Annual Fee
Interest-free period Up to 55 days on purchases
Balance transfer p.a. 21.99%
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee 3%

How to get this offer:

  • Apply during the offer period. While there is no specified date that this offer will end, it's only available for a limited time.
  • Spend $1,500 on eligible purchases in the first 3 months from card approval.
  • The $300 credit will be credited to your account within 3 months of meeting the spend requirement.
  • The annual fee is waived if you spend more than $20,000 on the card each year.

0% Purchase Offer

Citi Rewards Card - Purchase and Balance Transfer Offer

0% Interest Offers
$199
Annual fee
21.49%
Purchase rate
Save with 0% p.a. on purchases and balance transfers for the first 15 months (no BT fee).
  • 0% p.a. on purchases and balance transfers for the first 15 months, with no BT fee
  • Earns 1 point per $1 spent
  • Complimentary travel and purchase protection insurance
  • High 21.49% p.a. interest rate for purchases after the introductory period
  • 22.24% p.a. cash advance rate applies to any remaining balance transfer after the introductory period
Rewards program Citi Rewards Program
Annual fee $199
Purchase rate p.a. 21.49%
Welcome offer 0% Interest Offers
Interest-free period Up to 55 days on purchases
Balance transfer p.a. 0% for 15 months, then 22.24%
Bonus points N/A
Rewards points per $ spent 1
Foreign currency conversion fee 3.4%

How to get this offer:

  • Apply during the offer period. While there is no specified date that this offer will end, it's only available for a limited time.
  • The 0% interest rate for purchases will apply to all purchases made in the first 15 months.
  • The 0% balance transfer offer will also apply for the first 15 months (with no balance transfer fee).
  • Remember: After the introductory period, any purchase balances that's left will attract the card's 21.49% purchase rate and any remaining balance transfer debt will revert to card's 22.24% p.a. cash advance rate.

0% Foreign Fees Offer

Latitude 28° Global Platinum Mastercard

0% Foreign Currency Conversion Fees
$0
Annual fee
27.49%
Purchase rate
Save with an ongoing $0 annual fee and no international transaction fees on purchases. Plus, complimentary flight delay passes and global data roaming.
  • Ongoing $0 annual fee
  • 0% foreign currency conversion fees on purchases
  • Free global data roaming with Flexiroam
  • Complimentary Flight Delay Pass
  • High purchase interest rate of 27.49% p.a.
  • Charges a payment handling fee of $1.95 for BPAY payments and $3.95 for payment at Australia Post. You can avoid the fee by using Latitude’s Online Service Centre or via direct debit.
Rewards program N/A
Annual fee $0
Purchase rate p.a. 27.49%
Welcome offer 0% Foreign Currency Conversion Fees
Interest-free period Up to 55 days on purchases
Balance transfer p.a. N/A
Bonus points N/A
Rewards points per $ spent N/A
Foreign currency conversion fee 0%

How to get this offer:

  • Use Latitude 28° Global Platinum Mastercard to shop or travel in a foreign currency overseas or online.
  • For the flight delay pass, your flight needs to be registered for each leg of your trip, with multi-leg trips requiring separate registrations.

How to choose a credit card offer

You can get heaps of value from an introductory offer, but there are a few things to watch out for. Asking these questions before you apply can help you choose a deal that gives you the biggest bang for your buck:

When does the offer end?

Make sure you have enough time to apply, and that the offer hasn't expired already. If there's no date when the offer ends, just double-check the details before you apply.

How much time do I have to get value from this offer?

If it's a 0% interest rate offer, check how many months you'll get before a higher rate applies. For bonus points, look at how long you have to meet the spend requirement.

Can I realistically meet the requirements?

A bonus points offer won't be worth it if you can't meet the spend requirement or don't want to pay the annual fee.

For balance transfer offers, the annual fee and any balance transfer fee add to your costs and may mean you take longer to pay off the balance. So you need to consider that when looking at how many months you get interest-free.

What are the card's standard features?

Checking these features helps you avoid getting stuck with a card you don't want after the introductory period. Key features to check include:

  • The ongoing annual fee
  • The interest rate for purchases
  • The revert rate for balance transfers
  • How many points you'll earn per $1 spent
  • Any other perks or features you want, such as complimentary travel insurance

How can I apply for a promotional credit card offer?

Each introductory offer has some requirements you'll need to meet to be eligible. The criteria varies but usually you'll need to:

  • Be a new customer. Introductory offers are usually for new credit card customers. For example, American Express introductory offers are only available if you haven't had an Amex card for at least 18 months.
  • Apply before the offer ends. Many promotional credit card offers are only available when you apply by a specific date. And deals that don't list an end-date can change at any time.
  • Include the necessary details when you apply. For example, if you're applying for a balance transfer credit card, you usually need to include details of the debt you want to transfer. And if you're applying for a frequent flyer sign-up bonus, you'll need to include your membership details.
  • Get approved for the card. To get approved, you'll need to meet the card's eligibility criteria. Each card is different but there are usually requirements around your Australian residency status, income and credit score. Banks and issuers need to consider these details to make sure they meet their responsible lending requirements.
  • Meet the offer requirements. To get bonus points or cash back you'll usually need to meet a spend requirement, such as $3,000 in the first 90 days.

Tip: Keep an eye out for the phrase "up to" with big bonus point offers. It usually means you'll need to meet a spend requirement when you first get the card, then keep it open for at least a year (and pay the annual fee).

What types of introductory credit card offers can I get?

Balance transfer

0% balance transfer

If you're already paying off a card, a 0% balance transfer credit card can help by offering an introductory, interest-free period for the first 6 to 32 months. After that, a higher rate applies if you're still paying off the balance. Some of these deals also charge a one-time balance transfer fee worth around 1-2% of the debt you transfer.

0% interest

0% interest on purchases

If you're planning to pay for some big-ticket items, a credit card offering 0% interest on purchases means you can buy it and pay no interest for an introductory period. Depending on the credit card deal, this could give you 3 to 20 months to pay off your purchases interest-free (but higher rates apply after that).

No annual fee

No annual fee or reduced first-year fee

This type of credit card promotion can save you tens or hundreds of dollars by offering a $0 or reduced annual fee in the first year. After that, the ongoing annual fee is charged – so it's kind of like "trying before you buy".

Reward points

Bonus points

Rewards credit cards can offer up to 200,000 bonus points when you apply as a new cardholder. These bonus point promotions typically have a spend requirement in the first few months, and sometimes you need to keep the card at least 12 months to get all the points.

Frequent flyer rewards

Bonus frequent flyer points

Many frequent flyer credit cards also offer bonus points on sign-up, including some that give you enough Qantas or Velocity Points to fly overseas. As well as a spending requirement, you'll need to include your frequent flyer membership details to get the bonus points.

Cashback

Cashback

Cashback offers usually put money back on your new credit card or give you a gift card when you meet a spend requirement. The amount you get back can range from around $30 to $250 or more.

Offers

Other introductory offers

Sometimes, credit card companies will offer more unique deals for new cardholders. For example, gold frequent flyer status, a reduced annual fee fee for life or a mix of different introductory offers.

Compare more credit card offers

1 - 12 of 30
Name Product Balance transfer rate p.a. Purchase rate p.a. Bonus points Annual fee Amount Saved
Qantas Premier Platinum
0% for 12 months with 2% balance transfer fee, then 21.99%
Purchase rate p.a.
19.99%
100,000
Annual fee
$349 first year ($399 after)
Amount saved
No savings
Earn up to 100,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers, with a 2% BT fee.
St.George Vertigo Card
0.99% for 28 months, then 21.99%
Purchase rate p.a.
13.99%
N/A
Annual fee
$55
Amount saved
No savings
Get a 0.99% p.a. interest rate on balance transfers for 28 months (with no balance transfer fee).
Virgin Money Anytime Rewards Credit Card
0% for 12 months, then 20.99%
Purchase rate p.a.
19.99%
80,000
Annual fee
$149
Amount saved
No savings
Offers 80,000 bonus Virgin Money Points (worth $400 in gift cards) when you spend $3,000 or more on eligible purchases in the first 3 months.
Kogan Money Card – Exclusive Offer
0% for 18 months with 1% balance transfer fee, then 22.74%
Purchase rate p.a.
9.99% for 18 months, then 21.99%
N/A
Annual fee
$0
Amount saved
No savings
Save with 0% p.a. interest on balance transfers (with a 1% BT fee) and 9.99% p.a. on purchases, both for 18 months, plus, an ongoing $0 annual fee.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% for 24 months, then 20.99%
Purchase rate p.a.
20.74%
N/A
Annual fee
$0 first year ($149 after)
Amount saved
No savings
Get 0% p.a. on balance transfers for 24 months (with no BT fee) and a $0 annual fee in the first year.
NAB Low Rate Credit Card
0% for 28 months with 2% balance transfer fee, then 21.74%
Purchase rate p.a.
13.49%
N/A
Annual fee
$0 first year ($59 after)
Amount saved
No savings
Get a 0% p.a. interest rate on balance transfers for the first 28 months (with a 2% BT fee). Plus, save with a $0 first-year annual fee.
ANZ Rewards Platinum - Velocity Points
21.99%
Purchase rate p.a.
20.99%
100,000
Annual fee
$149
Get up to 100,000 bonus Velocity Points: 70k points when you spend $2,000 in the first 3 months and 30k points after 15 months.
ANZ Platinum Credit Card
21.99%
Purchase rate p.a.
20.99%
N/A
Annual fee
$0 first year ($87 after)
Get $300 back on your card when you spend $1,500 on eligible purchases in the first 3 months and a $0 first-year annual fee. Plus, complimentary overseas travel insurance.
Bankwest Breeze Classic Mastercard
0% for 24 months with 3% balance transfer fee, then 12.99%
Purchase rate p.a.
12.99%
N/A
Annual fee
$49
Amount saved
No savings
Save with 0% p.a. on balance transfers for 24 months (with a 3% BT fee).
ANZ Rewards Black Credit Card
21.99%
Purchase rate p.a.
20.99%
180,000
Annual fee
$375
Get 180,000 bonus ANZ Reward Points (worth $800+ in digital gift cards) and $150 back when you spend $3,000 in the first 3 months.
NAB Rewards Platinum Card
0% for 12 months with 3% balance transfer fee, then 21.74%
Purchase rate p.a.
20.99%
100,000
Annual fee
$45 first year ($195 after)
Amount saved
No savings
Get up to 100,000 bonus NAB Rewards Points (worth $480 in eGift cards): 80k points when you spend $1,000 in the first 60 days and 20k after 12 months.
American Express Qantas Business Rewards Card
Purchase rate p.a.
0%
150,000
Annual fee
$450
(ABN holders w/ $75k revenue). Earn 150,000 bonus Qantas Points and a $200 credit when you spend $6,000 in the first 3 months.
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Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

Amy's expertise
Amy has written 587 Finder guides across topics including:
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  • Money management
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