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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 - St George Vertigo - 0.99% for 12 months

St.George Vertigo card offers a fantastically long balance transfer offer of 0.99% for 12 months, coupled with a ongoing rate of only 13.29%p.a. Offer available until 11th April 2012!

More Info >

For 0% Purchases

Card	Issuer	Purchases		Balance Transfers		Std APR p.a	Annual Fee	Apply
Card	Issuer
	Westpac Low Rate Card	Rate 0%	Duration 6 mths	Rate 0%	Duration 6 mths	Std APR p.a	Annual Fee	Apply	13.49%	$45 p.a.	Apply > More Info

	ANZ Platinum Special offer 6 months 0% on Balance Transfers & Purchases only available until 13 March 2012.	Rate 0%	Duration 6 mths	Rate 0%	Duration 6 mths	19.24%	No Annual Fee in 1st Yr, then $87 if spend below $20k	Apply > More Info

	Amex Platinum Edge 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.	Rate 0%	Duration 6 mths	Rate N/A	Duration N/A	20.74%	$149 p.a.	Apply > More Info

	Westpac 55 Day Classic Card	Rate 0%	Duration 5 mths	Rate 3.99%	Duration 6 mths	19.59%	No Annual Fee in 1st Yr, then $30	Apply > More Info

	ANZ Low Rate Card Special offer* 3 months 0% on balance transfers and Purchases only available until 13 March 2012.	Rate 0%	Duration 3 mths	Rate 0%	Duration 3 mths	13.24%	$58 p.a.	Apply > More Info

	ANZ First Card Special offer* 3 months 0% on balance transfers and Purchases only available until 13 March 2012. Plus, 12 month Extended warranty on manufactures, 90-day purchase security insurance against loss, theft or breakage.	Rate 0%	Duration 3 mths	Rate 0%	Duration 3 mths	19.24%	$30	Apply > More Info

	Bankwest Zero Gold MasterCard Get automatic purchase protection & built in international travel insurance	Rate 5.99%	Duration 9 mths	Rate 5.99%	Duration 9 mths	17.99%	Free For Life	Apply > More Info

	Bankwest Breeze MasterCard 10% cashback at department stores, grocery stores & eating out for 3 months. 12 months extra warranty - If you find cheaper within 21 days, claim the difference.	Rate N/A	Duration N/A	Rate 5.99%	Duration 12 mths	10.99%	$59 p.a.	Apply > More Info

	Citibank Clear Platinum Get complimentary international travel insurance, purchase cover and extended warranty insurance	Rate N/A	Duration N/A	Rate 2.90%	Duration 12 mths	11.99%	$99 - $50 off in 1st year = $49	Apply > More Info

	Virgin Flyer Card Buy 1 seat and get 1 complimentary seat on up to 4 domestic flights per year & Earn Velocity Points	Rate N/A	Duration N/A	Rate 1.90%	Duration 9 mths	20.99%	$99 p.a.	Apply > More Info

Westpac Low Rate Card

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:	13.49% p.a.
Purchases:	13.49% p.a.
Cash Advance:	21.49% p.a.
Annual Fee:	$45 p.a.
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

ANZ Platinum

Advice

Get 6 months 0% on balance transfers and purchases...offer ends 13th March 2012! Also get $0 Annual Fee1 for the first year, then only $87 per year!

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:	19.24% p.a.
Purchases:	19.24% p.a.
Cash Advance:	20.99% p.a.
Annual Fee:	No Annual Fee in 1st Yr, then $87 if spend below $20k
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 Income of over $50,000.pa

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:	N/A
Purchase Rate:	0% p.a. for 5 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

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:	1.90% p.a. for 9 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:	$99 p.a.
Standard Features
Credit Limit:	$5,000 - $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

ANZ First Card

Advice

Get 0% on balance transfers and purchases for 1st 3 months - offer ends 13th March 2012!

Introductory Offer
Balance Transfer Rate:	0% p.a. for 3 mths
Balance Transfer Fee:	N/A
Purchase Rate:	0% p.a. for 3 mths
Annual Rates
Balance Transfers:	19.24% p.a.
Purchases:	19.24% p.a.
Cash Advance:	20.99% p.a.
Annual Fee:	$30
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 44 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 Income of over $15,000.pa

ANZ Low Rate Card

Introductory Offer
Balance Transfer Rate:	0% p.a. for 3 mths
Balance Transfer Fee:	N/A
Purchase Rate:	0% p.a. for 3 mths
Annual Rates
Balance Transfers:	13.24% p.a.
Purchases:	13.24% p.a.
Cash Advance:	21.49% p.a.
Annual Fee:	$58 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 Income of over $15,000.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.

Introductory Offer
Balance Transfer Rate:	2.90% p.a. for 12 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
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

Bankwest Breeze MasterCard

Advice

Please note this card offers a standard rate of 10.99%p.a - Australia's lowest MasterCard purchase rate! Australia's Cheapest Credit Card’ in Money magazine's 2011 Best of the Best Awards

Introductory Offer
Balance Transfer Rate:	5.99% p.a. for 12 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	10.99% p.a.
Purchases:	10.99% 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

Bankwest Zero Gold MasterCard

Advice

No Annual Fee!!! Plus, get automatic purchase protection & built in international travel insurance

Introductory Offer
Balance Transfer Rate:	5.99% p.a. for 9 mths
Balance Transfer Fee:	N/A
Purchase Rate:	5.99% p.a. for 9 mths
Annual Rates
Balance Transfers:	17.99% p.a.
Purchases:	17.99% p.a.
Cash Advance:	16.99% 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

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 20,000 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:	0% p.a. for 6 mths
Annual Rates
Balance Transfers:	20.74% p.a.
Purchases:	20.74% p.a.
Cash Advance:	20.74% p.a.
Annual Fee:	$149 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.

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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ComparePurchases Credit Cards

Credit Cards

Editors Choice - St George Vertigo - 0.99% for 12 months

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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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