0% on Credit Card Purchase Offers

Updated 12 November 2019

Choose a 0% purchase offer to save money by paying no interest on purchases during the card’s introductory period. Designed to help you save on interest, 0% purchase offers charge zero interest on any purchases you make during the card’s introductory period. That means, whether you make one big purchase or a hundred little ones, you will pay absolutely no interest on those purchases throughout the entire introductory period.

If you’re thinking about going on holiday, doing some home renovations or buying a big ticket item such as a TV, a 0% purchase offer could make that happen. By choosing the right offer, you can pay for the items you need on the card, to then clear the balance before it starts accruing interest. Even if you simply want to use the card for day-to-day purchases, you could save on interest as long as you pay off your balance before the intro period ends.

At CreditCard.com.au, we want to make it easy for you to find the best 0% purchase offer for you. We’ve gathered offers from providers big and small, utilising visual comparison so you can quickly and easily compare the options. If you are accessing the site via desktop, look for the most filled-in circle to find the strongest offers. If you are using a smartphone or tablet, look for the most filled-in bar.

Comparing the options, it’s important to look beyond the offer. Finding the right card means understanding what the purchase rate on the card will be after the offer ends, and how much the card charges in annual fees. To go beyond this, simply click on the card you’re interested in to check out the stats in detail and to read our review of the card.

NAB Low Rate Credit Card

26 reviews
$0 saved over 6 months

NAB Low Rate Platinum Credit Card

2 reviews
$0 saved over 6 months

Citi Rewards Platinum Credit Card – 0% Purchase Offer

1 review
$0 saved over 13 months

St.George Vertigo Platinum Rainbow Credit Card

1 review
$0 saved over months

Virgin Australia Velocity Flyer Credit Card – 0% p.a. for 14 months on purchases

7 reviews
$0 saved over 6 months

Citi Clear Platinum Credit Card

114 reviews
$0 saved over 9 months

St.George Vertigo Platinum Credit Card

35 reviews
$0 saved over months

BankSA Vertigo Platinum Credit Card

2 reviews
$0 saved over months

Bank of Melbourne Vertigo Platinum

5 reviews
$0 saved over months

0% purchase offers

Great option if you need a longer time to pay off a larger purchase. Take note when the period starts and what purchase rate it will revert to. Put a plan in place to pay off any outstanding balance before the intro period expires.

Before you apply, make sure you read our credit card application tips.

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What are 0% purchase credit cards?

Zero per cent purchase offers are great for those wanting to pay no interest for a short period of time. With a 0% purchase offer, you will pay 0% interest on purchases during the introductory period. So any purchases you make on the credit card will not accumulate interest for the length of the offer.

If you have a six month introductory offer, you will pay no interest for the first six months of having the card, if you have a nine month introductory offer, you will pay no interest for the first nine months, and so on.

Purchase offers are available on a wide variety of credit cards, from rewards and prestige cards, to low fee and low rate cards. You may even find purchase offer credit cards with other offers attached, such as balance transfer offers, bonus rewards points offers, and annual fee discounts.

How to choose the best

If what you want most is the 0% purchase offer, then compare the introductory offers first. The length of the offer will vary depending on the credit card and the card provider, so compare your options to find the most suitable offer for you.

Most 0% purchase offers last from five to twelve months, although there are cards that offer more and less. Think about what you plan to use the card for, and try to find a card that matches your needs. If you have a big purchase to make and you know how long it will take to pay it off, find a card that gives you enough time to do this.

If you plan on keeping the card long term, then you will also need to compare the card’s other features. Think about how much you will pay in annual fees, and whether it is worth it. Find out what the reversion rates are, and whether they are affordable.

If it is a Gold, Platinum or rewards card, think about whether the rewards and perks are suitable, and whether they are worth what you are paying for the card. If the card has any other introductory offers, make sure you know when they end, and what happens when the offer is over.

Avoid the biggest mistakes

The biggest mistake you could make with a 0% purchase offer is to overspend and not be able to pay off your debts before the introductory offer period ends. Many people get carried away with their spending when they know they don’t have interest to worry about, and it can be easy to rack up a sizable debt.

If the offer ends and that debt has not been paid off, you could find that the unpaid balance starts attracting much higher rates of interest. This can make it extremely difficult to pay off what you owe, and the debt will keep growing.

When it comes to introductory offers such as those with 0% on purchases, you need to find out all the relevant details before you apply. This means finding out how long the offer lasts, what the reversion rate is, how much you will pay in annual fees, and so on. While the offer may seem too good to be true, the card itself could be a bad choice.

If you want to take advantage of a 0% purchase offer, find an offer that suits you, a card that suits you, and then keep track of your spending. It can help to make a budget to pay off what you owe, and to set reminders so you know when the offer is due to end.

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62 questions (showing the latest 10 Q&As)

Brian

Brian

15 November 2019
Hi team, I have just had a vehicle service invoice come in which is higher than expected and I am hoping to obtain a 0% purchase card to cover its costs. However I have a couple of default marks on my credit file and am concerned a knock back will further delay my efforts to rebuild my credit file. I've worked hard over the past 12-18 months to increase my Illion and Equifax scores from 100s/200s to now both in the 400s, but everywhere says this is still below average. I have not made any enquiries for credit in the past 18 months apart from one, 6 months ago which was just a utility company(electricity). All previous enquiries are over 18-24 months old and longer. My Experian file is not as thorough but reads a score of 722 consistently for over 6 months. Are you aware of any companies that take into account consistent payment information on my existing defaulted outstanding debt and see that in a positive light as to my payment habits? My other default on file is paid in full over 2 years ago with telecommunication and not a credit card or loan. Eligibility to pay is no problem as I'm an Australian citizen over 18 with a consistent full time employed income for over 2 years. Is there any 0% purchase rate cards for me for around a $3500 limit? All assistance is appreciated! Thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 November 2019
    Hi Brian, sorry mate, with defaults on file its hard to get approval. Though you can have a shot at it as 1 credit app in. Well done on the good practice over the past few years to start rebuilding your credit.The last 2 years of bank account history and the alike will be very important. The defaults if not credit card or loan related will have less impact. If you want to have a go. Have a look at the St George Vertigo Platinum. It has a good 0% interest period. Though the minimum credit limit is $6,000. If you can do with 6 months @ 0%. I would try the NAB low rate.
Jen

Jen

12 November 2019
Hello I have never had a credit card before but I have an important purchase coming up soon, I'd like to have some information regarding credit cards. Thank you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 November 2019
    Hi Jen, I would suggest that you do an online EDU course to get a good understanding on card usage: https://www.creditcard.com.au/edu/. The essentials course would suit.
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