0% on Credit Card Purchase Offers

Updated 8 September 2021

Pay no interest for up to 17 months with a 0% purchase offer credit card.

If you need to make a big purchase or simply want to save on your credit card spending, a 0% purchase offer credit card is definitely one to consider. You can use these cards for whatever you need, including holidays, home renovations or just everyday spending. These credit cards come with a 0% interest rate for an introductory period, so you can have time to repay what you spend without being charged interest.

What to know about 0% purchase rate credit cards:

  • The 0% rate is only for a limited period, usually between 6 and 17 months
  • After the introductory period, anything you haven’t repaid will be charged at the revert purchase rate
  • 0% purchase offer credit cards can still come with other costs, such as annual fees
The team at CreditCard.com.au has found a bunch of 0% offer credit cards for you to compare below. Use our handy visualisation tool in the table to see how strong the offer is.
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0% purchase offers

With a 0% purchase offer, you can save big on interest as you use your card day-to-day. To make it work, make sure you know how long the intro period lasts for, what the intro rate will revert to, and make a plan to pay off all your purchases before interest starts accruing.

Want to find out more? Check out our handy credit card application tips now.

Credit card application tips

What are 0% purchase credit cards?

Quite simply, a 0% purchase credit card is a card that has a 0% introductory offer on purchases. New cardholders who apply and are approved for a 0% purchase credit card will pay no interest on any purchases they make throughout the introductory period. This makes them a great option for anyone who wants to pay no interest for a short period of time.

One of the great things about 0% purchase offers are their flexibility. As long as you keep to your credit limit, you can use your card to buy whatever you want within that introductory period.

  • Want to make one big purchase and pay it off within the introductory period? Whether you’re looking to buy a washing machine or pay for a family holiday, a 0% purchase offer could make it happen.
  • Want to cover the costs of an ongoing project? Using a 0% purchase offer to cover projects such as home renovations lets you buy what you want, when you need it, to then pay it all back before interest starts accruing.
  • Want to save on interest day-to-day? Even if you’re just using your card for everyday spending, a 0% purchase offer could give you a bit more freedom to spend what you want – as long as you have the funds to pay it all back when the intro period ends.

Introductory periods vary. Some cards may offer introductory periods up to 15 or 18 months – and sometimes even longer – while others may last six months or so. Why does it vary so widely then?

Type of card: You may find low cost cards, such as low rate cards and low or no annual fee cards, offer shorter introductory periods on 0% purchase offers, while higher end cards with higher annual fees and purchase rates offer longer introductory periods. However, this is not always the case, so be sure to compare the options carefully on CreditCard.com.au to find the offer – and card – that works for you.

Card provider: In the world of credit card providers, there are big fish and little fish. Big fish, such as the Big Four, have bigger budgets, which can make it easier to provide bigger introductory offers. Smaller institutions, such as credit unions and member-owned banks tend to rely more on low ongoing costs rather than big introductory offers. But, that’s not to say you can’t get a great deal going to a smaller provider. Use CreditCard.com.au to compare 0% purchase offers from a wide range of providers to make sure you get the right offer for you.

Popularity of the offer: Introductory offers can rise and fall in popularity. When comparing introductory offers month-to-month, you may find there are more options and better deals on balance transfers, as that is the more popular type of offer. The following month, you may find there are better deals on 0% purchase offers. Keeping track on CreditCard.com.au can let you see which offers are trending, making it easier to find the best offer for you.

Once the intro period is up, the card’s standard purchase rate comes into play. That means, any purchases left unpaid – and any new purchases made from that point on – will start accruing interest at the card’s standard rate.

When comparing 0% purchase offers, always check the card’s standard purchase rate (also known as a revert rate). This is especially important if:

  • You plan to keep the card past the introductory period.
  • You don’t always clear your balance month-to-month.
  • You may not pay off all purchases made within the introductory period.

Happily, CreditCard.com.au makes it super easy to compare 0% purchase offers. But of course, you need to know what to look for when you compare each offer side-by-side.

  • Introductory Period: Think about how long you want the offer to last. Typically, the longer the better, but you should take other factors into account, such as how much the card will cost in annual fees, and what interest you will pay in the long term.
  • Standard Purchase Rate: If you plan to keep the card after the intro offer, be sure to check the card’s standard purchase rate. This is especially important if you think you may not pay off all your purchases by the end of the intro period, or if you tend to carry a balance month-to-month.
  • Annual Fee: Find out how much you will pay in annual fees in return for the card’s intro offer and the various other features provided.

If you want to keep the card past the intro period, you will also need to think about its suitability in the longer term. That means looking at features, fees and other factors.

Step 1. Choose the offer that works for you. Think about how long the offer lasts and what else the card has to offer.
Step 2. Make a plan for your purchases. If you have specific purchases in mind, such as a holiday or a renovation project, make a budget and avoid spending over it. Keep track of your spending month-to-month to make sure you are not spending more than you can afford to pay back.
Step 3. Set up a payment plan. Know how much you need to pay back each month to clear your purchases before the end of the intro period.

There are two interest-free credit cards in the Australian market right now. The NAB StraightUp Card and the CommBank Neo. Instead of charging interest, these cards charge a monthly fee and a minimum monthly payment when you carry an outstanding balance.
The range of interest free credit cards can be a useful tool if you need to make bigger purchases over a number of months. They are also a viable alternative to buy now pay later services.

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85 questions (showing the latest 10 Q&As)



21 July 2021
if i was to switch my creit card over what happens to my debit?
    Roland B Bleyer - CreditCard.com.au Founder


    23 July 2021
    Hi Mathew, switching credit cards can sometimes be a good way to clear our unwanted subscriptions or a reminder of direct debits you’ve forgotten about. In saying that, when you switch to a new credit card you’re responsible for letting billers know your new details for any direct debits.


23 May 2021
Can I get a credit card on Centrelink benefits if part time self employed also?
    Roland B Bleyer - CreditCard.com.au Founder


    24 May 2021
    Hi Sarah, thanks for your comment. Each credit card application is entirely at the discretion of the institution you apply with. Some credit cards, like ANZ or NAB Low Rate have lower income requirements. Keep in mind that you’ll need to meet the repayment criteria, as well as the other eligibility requirements.


5 May 2021
Hi, I am planning to spend around $13,000 but do not want to pay interest for 2 years. What would be the better option for my credit card application??
    Roland B Bleyer - CreditCard.com.au Founder


    5 May 2021
    Hi Ash, thanks for your message. The longest interest free period on the CreditCard.com.au engine right now is up to 15 months. Whilst, we can't recommend one specific card, you can compare the cards above to find what works for you. Good luck!


5 February 2021
Hi I want to apply for a credit card however do not want to take the risk of applying then being declined. If I speak to my bank about a certain credit card they are offering with 0% purchase that I want to apply for. If by providing them basic details could they advise of the possibility of being approved and also advise of a likely credit card limit ?
    Roland B Bleyer - CreditCard.com.au Founder


    10 February 2021
    Hi Abdullah, Whether or not a bank can give you an idea of your likelihood of approval depends on the bank and its specific policy. If you already bank with them, they'll have access to your history and other accounts, and you may have a better chance of getting an answer. That said, it does no harm to call the bank and find out. Best of luck!


2 December 2020
Hi, I’ve been in full time employment for over 2 years and I’m looking for a 0% card to pay for a car at around 20,000. I’d ideally like to have around 2 years to pay it back. What would you suggest? Thanks
    Roland B Bleyer - CreditCard.com.au Founder


    2 December 2020
    Hi Ry, the longest 0% purchase offer in market is 17 months with the ANZ Platinum. You would need to ensure that you get at least 20k in credit limit to make the purchase. This is well below the 24 months that you will look to pay. At around 15 months, I would look at a 0% balance transfer (subject to credit approval). This would extend out the 0% period.
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