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0% purchases credit cards allow you to spend without paying interest on your balances for the duration of the 0% period. Compare leading credit cards to find the best credit card for you.
|
Card |
Issuer |
Purchases |
Balance Transfers |
Apply |
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|---|---|---|---|---|---|---|---|---|
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Get complimentary international travel insurance, purchase cover and extended warranty insurance
|
Rate
0%
|
Duration
6 mths
|
Rate
0%
|
Duration
6 mths
|
11.99%
|
$99 - $50 off in 1st year = $49
|
||
|
Rate
0%
|
Duration
6 mths
|
Rate
1%
|
Duration
6 mths
|
19.59%
|
No Annual Fee in 1st Yr, then $90
|
|||
|
Rate
0%
|
Duration
6 mths
|
Rate
3.99%
|
Duration
6 mths
|
19.59%
|
No Annual Fee in 1st Yr, then $30
|
|||
|
If you spend 3 times outside of David Jones within the first month of receiving your card get 15,000 Bonus Points, worth $100.
|
Rate
0%
|
Duration
6 mths
|
Rate
N/A
|
Duration
N/A
|
19.74%
|
$99 p.a.
|
||
|
12 months extra warranty + If you find cheaper within 21 days, claim the difference.
|
Rate
0%
|
Duration
4 mths
|
Rate
0%
|
Duration
6 mths
|
11.99%
|
$59 p.a.
|
||
|
Rate
N/A
|
Duration
N/A
|
Rate
4.99%
|
Duration
6 mths
|
13.99%
|
$59 p.a.
|
|||
|
Rate
N/A
|
Duration
N/A
|
Rate
0%
|
Duration
6 mths
|
17.99%
|
Free For Life
|
|||
|
Get BankWest More Rewards program or Qantas Frequent Flyer points
|
Rate
N/A
|
Duration
N/A
|
Rate
0%
|
Duration
6 mths
|
19.49%
|
$70 p.a.
|
||
|
Receive a domestic economy return flight with Virgin Australia each membership year!
|
Rate
N/A
|
Duration
N/A
|
Rate
N/A
|
Duration
N/A
|
20.74%
|
$195 p.a.
|
||
|
Buy 1 seat and get 1 complimentary seat on up to 4 Virgin domestic flights per year (You still cover Booking Fees) & Earn up to 15,000 Velocity Points when you open and use your card!
|
Rate
N/A
|
Duration
N/A
|
Rate
2.90%
|
Duration
6 mths
|
20.99%
|
$129
|
||
For your loyalty, every year you spend at least $10,000 p.a. Westpac will waive the annual fee the following year!!
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 3.99% p.a. for 6 mths |
| Balance Transfer Fee: | 1% |
| Purchase Rate: | 0% p.a. for 6 mths |
| Annual Rates | |
| Balance Transfers: | 19.59% p.a. |
| Purchases: | 19.59% p.a. |
| Cash Advance: | 21.49% p.a. |
| Annual Fee: | No Annual Fee in 1st Yr, then $30 |
| Standard Features | |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second complimentary seat on the flight, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 2.90% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 20.99% p.a. |
| Purchases: | 20.99% p.a. |
| Cash Advance: | 20.99% p.a. |
| Annual Fee: | $129 |
| Standard Features | |
| Credit Limit: | $6,000 - $100,000 |
| Interest Free Days: | Up to 44 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 19.49% p.a. |
| Purchases: | 19.49% p.a. |
| Cash Advance: | 21.99% p.a. |
| Annual Fee: | $70 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 4.99% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 13.99% p.a. |
| Purchases: | 13.99% p.a. |
| Cash Advance: | 21.74% p.a. |
| Annual Fee: | $59 p.a. |
| Standard Features | |
| Credit Limit: | Minimum $500 |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Please note this card offers a standard rate of 11.99%p.a - Australia's lowest MasterCard purchase rate! Australia's cheapest credit card, awarded by Money magazine 2012!
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 0% p.a. for 4 mths |
| Annual Rates | |
| Balance Transfers: | 11.99% p.a. |
| Purchases: | 11.99% p.a. |
| Cash Advance: | 21.99% p.a. |
| Annual Fee: | $59 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Save $50 on your 1st years annual fee reducing the cost from $99 to $49! Also, get up to 4 additional card holders - annual fee of $19 each. Standard rate will change to 12.99% p.a. from 1 October.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 0% p.a. for 6 mths |
| Annual Rates | |
| Balance Transfers: | 21.74% p.a. |
| Purchases: | 11.99% p.a. |
| Cash Advance: | 21.74% p.a. |
| Annual Fee: | $99 - $50 off in 1st year = $49 |
| Standard Features | |
| Credit Limit: | $20,000 |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | No |
| Approval Criteria | |
|
|
Receive a domestic economy return flight with Virgin Australia each membership year! You must make a purchase to start the 6 months 0% purchase period. Get 10,000 bonus member points if you spend $500 in first 2 months (That's enough points for $250 worth of travel with Travelscene or Harvey World Travel)
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | N/A |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 20.74% p.a. |
| Purchases: | 20.74% p.a. |
| Cash Advance: | 20.74% p.a. |
| Annual Fee: | $195 p.a. |
| Standard Features | |
| Credit Limit: | Unlimited |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
If you spend 3 times outside of David Jones within the first month of receiving your card get 15,000 Bonus Points.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | N/A |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 0% p.a. for 6 mths |
| Annual Rates | |
| Balance Transfers: | 19.74% p.a. |
| Purchases: | 19.74% p.a. |
| Cash Advance: | 19.99% p.a. |
| Annual Fee: | $99 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 56 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
For your loyalty, every year you spend at least $20,000 each year and Westpac will waive the annual fee!!
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 1% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 0% p.a. for 6 mths |
| Annual Rates | |
| Balance Transfers: | 19.59% p.a. |
| Purchases: | 19.59% p.a. |
| Cash Advance: | 21.49% p.a. |
| Annual Fee: | No Annual Fee in 1st Yr, then $90 |
| Standard Features | |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 17.99% p.a. |
| Purchases: | 17.99% p.a. |
| Cash Advance: | 21.99% p.a. |
| Annual Fee: | Free For Life |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
All credit cards tend to offer features designed to appeal to a certain type of user. These might include cards without annual fees for infrequent credit card users, rewards for regular users, exclusive services, or a high number of interest free days.
0% purchase credit cards benefit those who spend regularly but prefer to spread the cost of their purchases over a longer period of time.
It is important to remember that you will still need to make at least the minimum repayment amount on or before the monthly bill date. This way you can avoid paying any interest for the 0% period. On a balance of $1,000, for example: paying the minimum repayment amount of 3% ($30) would ensure that no interest was incurred on the remaining $970. The following month, if all remained the same, the minimum 3% payment would total $29.10, and so forth.
Although a 0% purchases credit card is great for avoiding unnecessary charges, you should make a repayment plan to ensure the balance is fully paid before the 0% period expires. This would allow you to make full use of your credit card and the only cost would be the annual fee.
Alternatively, if you anticipate spending less, you may benefit from a credit card that offers no annual fees and a low rate on purchases. That way, you would pay a small amount of interest on your spending, but without the cost of owning the credit card.