0% on Credit Card Purchases

Updated 8 August 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.

Citi Rewards Platinum Credit Card – 0% Purchase Offer

Citi Rewards Platinum Credit Card – 0% Purchase Offer

1 review
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$0 saved over 13 months
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$ saved over 13 months
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NAB Low Rate Platinum Credit Card

NAB Low Rate Platinum Credit Card

2 reviews
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$0 saved over 6 months
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$ saved over 6 months
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Virgin Australia Velocity Flyer Credit Card – 0% p.a. for 14 months on purchases

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

7 reviews

Apply by 31 Aug 19

More info
$0 saved over 6 months
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$ saved over 6 months
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Bank of Melbourne Amplify Credit Card

Bank of Melbourne Amplify Credit Card

2 reviews

Apply by 2 Oct 19

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$0 saved over months
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$ saved over months
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Westpac Low Fee Platinum credit card

Westpac Low Fee Platinum credit card

14 reviews

Apply by 15 Oct 19

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$0 saved over months
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$ saved over months
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HSBC Platinum Credit Card

HSBC Platinum Credit Card

14 reviews

Apply by 31 Dec 19

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$0 saved over 12 months
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$ saved over 12 months
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BankSA Amplify Credit Card

BankSA Amplify Credit Card

2 reviews

Apply by 2 Oct 19

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$0 saved over months
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$ saved over months
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St.George Amplify Credit Card

St.George Amplify Credit Card

5 reviews

Apply by 2 Oct 19

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$0 saved over months
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$ saved over months
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NAB Low Rate Credit Card

NAB Low Rate Credit Card

27 reviews
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$0 saved over 6 months
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$ saved over 6 months
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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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58 questions (showing the latest 10 Q&As)

Daniel

Daniel

3 August 2019
Does a cash withdrawal incur interest and fees?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 August 2019
    Hi Daniel, always. Cash advances are not purchases. They will be charged at the cash advance rate. Interest starts from day 1. Plus you get charged a cash advance fee. This is typically around 3%.
Tes

Tes

8 July 2019
What is reverts under 0% ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 July 2019
    Hi Tes, the revert rate below is what the purchase rate will be post the intro 0% period. This rate would also apply to any purchases or your balance at the time the offer expires. You need to make sure you pay of the balance in full to avoid interest by the end of the intro period.
Miranda Mangelsdorf

Miranda Mangelsdorf

13 June 2019
I am looking for a credit card..... I am on centrelink disability and my credit is not good... Is there a chance that there is a card for me?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 June 2019
    Hi Miranda, with poor credit, it would be very difficult to get approved for a new credit card. What I would suggest, is that you contact your everyday bank. See if they can help you with a small credit card limit. You need to get your credit back in shape slowly over time. Then you should be more likely to get approved in the future.
ravi

ravi

1 June 2019
which credit offers me 14+months interest free installment payment for Retail purchases.
Helen

Helen

11 May 2019
Hi,I can’t proceed with the application when I said I don’t need balance transfer. Can you help?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 May 2019
    Hi Helen, what card are you applying for? A balance transfer is not compulsory with any credit card application. Let me know what you issue is?
Jimmy

Jimmy

1 May 2019
I have a Flexi loan with westpac with a $25000 limit. I currently owe $9000 and want to transfer it to a 0% credit card. I’m not sure if I can balance transfer it because it is technically not a credit card? What’s my best option? Cheers
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 May 2019
    Hi Jimmy, the Flexi loan is a line of credit. Citi are the only issuer in Australia that will accept loan debt as part or all of the transfer. Have a look at the Citi Rewards Platinum. Virgin cards are also issued through Citi. Have a look at the Virgin Flyer with reduced annual fee. What I like about this offer is the low annual fee per year and no balance transfer fee.
Steve

Steve

31 January 2019
I have a US Amazon business and I'm purchasing $15-30k Every month. Currently I'm incurring foreign transaction fees And potentially interest If I don't receive sale proceeds in time.Would you be up to make any recommendationsSo that I can minimise interest payments, foreign transaction fees and conversion costs, maximise credit limit to increase working capital and maximise rewards from the high expenditure? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 January 2019
    Hi Steve, you should look at a no foreign fee card. Foreign fees tend to cost more than any rewards point benefit. On that note, I like the ANZ Rewards Travel Adventure. Though rewards points earning are capped at 4k a month which is disappointing. It can approve high credit limits but does not have a max limit provided by the bank. On the interest side, this is a tricky one. You need to pay your balance off in full each billing cycle to get any interest free days in the next cycle. I just found this Bankwest card that sounds like it could really work. Uncapped points earning, no foreign fees, 0.66 pts per $1 spent - amazing!
Harley

Harley

20 November 2018
How do they work out the minimum monthly payment if there is no interest? Say for $3,000. And does 'purchases' include Insurance (travel), flights or legal services etc...not necessarily at a shop? Thank you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 November 2018
    Hi Harley, the minimum monthly payment is always based on the outstanding balance of the card. Lets look at the Virgin Flyer. You have a minimum of 2%. So at the end of the month if you balance is $3,000. Then your minimum payment will be $60.
Tessa

Tessa

7 November 2018
I want to purchase a spa privately through Facebook classifieds, can cash be withdrawn?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 November 2018
    Hi Tessa, you can pull cash but it would be at the cash advance rate. You cannot pull out cash as a purchase, thus at 0% on these intro offers.
Lucas

Lucas

11 October 2018
Hi Roland, thank you for answering my earlier question. Since then, I have got a job offer and will be joining in 10 days' time. Now, given my position, what are the options for me in terms of getting a credit card (as I mentioned earlier, I want it mainly to pay off car loan within a year at 0% interest?) Thanks!
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 October 2018
    Hi Lucas, I would wait to apply post you starting your new job and getting a few months under your belt. Banks will want to see how you handle your income and expenses. If you can put away funds each pay period. Then this can show that you have excess money. Banks will test you maxing out your credit card and your ability to pay it off then. As was as accessing from your credit history, income v expenses and assets v liabilities. Happy Friday and have a good weekend. Hope the new job works out well.
John Lightfoot

John Lightfoot

4 October 2018
Do you have a product for aged pensioner with excellent credit record to either transfer balance for 16/18 momths or interest free purchase to value of $4000 to update car?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 October 2018
    Hi John, approval will depend on a range of factors. Your income v expenses will be key. Additionally your actual age many be a factor. That type of interest free period is not available on a credit card. The longest is 0% for 14 months. The St George Amplify Offer would be your best bit out of whats available with 0% for 14 months. It requires a minimum of income of 25k to apply. If you have other income on top of any pension payments this helps. Additionally if you are putting away money each month this shows the bank you have excess funds available. If not this could be an issue for approval as they would like to see this.
Lucas

Lucas

1 October 2018
Hi Roland, I recently relocated to South Australia on a skilled visa two months back. I am still on a job hunt, I don't have a credit history yet and I want to buy a car for which I need a credit card. What would be the best credit card option for me considering I want to pay off the debt within a year at 0% interest? Can I even get a credit card? Thanks!
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 October 2018
    Hi Lucas, a secured personal loan (car loan) should be easier to get than a credit card (unsecured loan). Though with no employment or credit history I think it sounds very difficult for either. All credit cards require good credit to be approved. There are some for students that are very flexible or targeted at your first card but again they will need income. Bottom line I don't think you can get a card. Reach out again once everything is good with working and I can try to assist.
Michelle

Michelle

6 July 2018
Hi RolandI recently applied through virgin money for the 14 month interest free card offer and was rejected but i dont know why.I dont want to reapply again and lower my credit rating if i were to be declined again.I have 2 credit cards with low limits and always pay them on time to avoid interest. Currently my outstanding balance is 4000 on credit cards but never missed a payment and contunously pay large amounts off the outstanding balance. Why would i have been rejected with my application?I find i am successful with credit card applications if i go in to the bank and apeak to a banker. If i do the application myself i am always rejected. Please help!
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 July 2018
    Hi Michelle, I suggest that you give Virgin credit card customer service a call and discuss with them. See if you can have your decline reassessed. Credit policies are tightening. The way that banks score credit applications are always changing. Virgin is issued through Citi, therefore you can only transfer non-Citi debt to this offer. Applying for credit cards will have little impact on your credit score. Through applying for a range of credit in a short period of time can lead to automatic declines. I agree to wait before applying and agree that you should reach to Virgin and see what the issue was.
Lisa jones

Lisa jones

14 June 2018
Hi Roland I just won a case against latitude finance for a charge back dispute.the financial ombudsman service ruled in our favour because they didn’t do enough to fight the chargeback and ruled in the favour of the merchant.as such latitude have cancelled my account and declined to have me as a customer. I loved the 6 month interest free terms they had for purchases over 200$ and the exclusive deals they had for travel etc. is their something similar on the market you could reccomend
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 June 2018
    Hi Lisa, have a look at the HSBC Low Rate card. HSBC Credit Card holders are also eligible for up to 50 months interest free shopping at more than 1000 participating retailers across Australia. On the travel side I am not sure.
Michelle

Michelle

12 June 2018
I am doing a course in Life Coaching and if I pay the entire amount by 26 I will get $1,000 deduction I have a business but I work freelance and now moved out to a regional area so have only done one job however I have Airbnb on my home and its rented regularly I want a credit card for 12 months no interest and to pay off then completely. Currently I'm no Age pension
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 June 2018
    Hi Michelle, have a look at the Virgin Flyer offer. You need to the meet the minimum income requirement of $35,000 a year to apply. If you do not then your other option is the NAB Low Rate Platinum. It only has 0% for 9 months but NAB should be able to take a lower income.
Funda

Funda

11 June 2018
Great, thank you! So far use mainly in Australia but for 1 month overseas with 0% interest on purchases, which one would you suggest?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 June 2018
    Hi Funda, the combination of 0% on purchases and no foreign fees is not one that I know right now. I would suggest that you get 2 cards. Firstly on 0% purchases, I would go the Virgin Flyer with 0% for 14 months, which is huge. Then for use when you are travelling. I would get the 28 Degrees with no foreign fees. I would apply for the Virgin first. Then wait as long as you can before applying for the 28 Degrees post that.
Funda

Funda

9 June 2018
Hi,With the 0% interest purchase offers, if you only pay the minimum amount for each statement, does this mean you won't incur any additional charges or interest charges? So e.g if I spent $2,000 and only paid the minimum amount each month, will I pay interest?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 June 2018
    Hi Funda, yes, you would pay no interest on purchases during the intro period. This is for a limited time through and starts typically when the card is issued. If you are successful with the Virgin flyer offer. You will get 14 months at 0%. Then it reverts to the standard purchase rate. You will need to make minimum payments but no interest will be charged.
Dane

Dane

7 June 2018
Hi MarkI'm going overseas and i want to pay for stuff and not worry about it till i come home. Is there anything available with no foreign currency exchange fee and travel insurance
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 June 2018
    Hi Dane, I like the ANZ Rewards Travel Adventure credit card. Some nice sign up bonus points. No foreign fees on purchases. Overseas Travel and Medical Insurance. Points earning. Free domestic return flight a year. Great travel card.
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