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Purchases Credit Cards

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.

Credit Cards

Editors Choice - Citibank Clear Platinum - 6 months 0%

Get a market leading package including a fantastically low APR of only 11.99%p.a coupled with 6 months 0% on Balance Transfers, Purchases and Cash Advances...

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For 0% Purchases

Card	Issuer	Purchases		Balance Transfers		Std APR p.a	Annual Fee	Apply
Card	Issuer
	Citibank Clear Platinum Get complimentary international travel insurance, purchase cover and extended warranty insurance	Rate 0%	Duration 6 mths	Rate 0%	Duration 6 mths	Std APR p.a	Annual Fee	Apply	11.99%	$99 - $50 off in 1st year = $49	Apply > More Info

	Westpac 55 Day Platinum Card	Rate 0%	Duration 6 mths	Rate 1%	Duration 6 mths	19.59%	No Annual Fee in 1st Yr, then $90	Apply > More Info

	Westpac 55 Day Classic Card	Rate 0%	Duration 6 mths	Rate 3.99%	Duration 6 mths	19.59%	No Annual Fee in 1st Yr, then $30	Apply > More Info

	Amex David Jones Card 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.	Apply > More Info

	Bankwest Breeze Classic MasterCard 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.	Apply > More Info

	NAB Low Rate	Rate N/A	Duration N/A	Rate 4.99%	Duration 6 mths	13.99%	$59 p.a.	Apply > More Info

	Bankwest Zero Classic MasterCard	Rate N/A	Duration N/A	Rate 0%	Duration 6 mths	17.99%	Free For Life	Apply > More Info

	Bankwest More Classic Card 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.	Apply > More Info

	Amex Platinum Edge 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.	Apply > More Info

	Virgin Money Velocity Flyer Card (Points Offer) 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	Apply > More Info

Westpac 55 Day Classic Card

Advice

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
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Virgin Money Velocity Flyer Card (Points Offer)

Advice

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
You are over 18 years of age. You have a good credit rating. You have an annual Income of $35000 p.a. or more. You are a permanent resident/citizen of Australia You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards) Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Bankwest More Classic Card

Advice

Get 4,000 Qantas Frequent Flyer points after first use of your card!

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
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Earned Taxable Income of over $15,000.pa

NAB Low Rate

Advice

The NAB Low Rate Card offers one of the lowest standard rates of any card in Australia!

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
You are at least 18 Years of Age You are NOT Self-employed You have a Good Credit History You are a permanent resident/citizen of Australia You DO NOT have an RMB/RSD (Roadside Mailbox or Roadside Delivery)as the only form of street address

Bankwest Breeze Classic MasterCard

Advice

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
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Earned Taxable Income of over $20,000.pa

Citibank Clear Platinum

Advice

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
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $40,000.pa You have not applied and been declined for another Citibank product in the last 9 months Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Amex Platinum Edge

Advice

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
You are over 18 years of age. You have a good credit history. You have an annual Income of $50,000 p.a. or more. You are a permanent resident/citizen of Australia. If Self Employed you have been trading for at least 18 months or 12 months if you hold an existing American Express-issued Card.

Amex David Jones Card

Advice

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
You are over 18 years of age. You have a good credit rating. You have an annual Income of $40,000 p.a. or more. You are a permanent resident/citizen of Australia. If self-employed, to have been working for more than one year

Westpac 55 Day Platinum Card

Advice

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
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Bankwest Zero Classic MasterCard

Advice

No Annual Fee!!!

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
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Earned Taxable Income of over $50,000.pa

0% Purchases Credit Cards Explained

Who can benefit from a 0% purchases credit card?

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.

What you should be aware of with 0% purchases credit cards?

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.

What to remember with 0% purchases credit cards:

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.

See our best 0% purchases credit cards above.

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Credit Cards

Editors Choice - Citibank Clear Platinum - 6 months 0%

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0% Purchases Credit Cards Explained

Who can benefit from a 0% purchases credit card?

What you should be aware of with 0% purchases credit cards?

What to remember with 0% purchases credit cards:

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