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    Intro rate credit cards

    • Intro rate credit cards get a lot of, well, interest from financially savvy types. Basically, they give you the flexibility to spend money on credit (and possibly earn rewards points) at a lower rate, or pay no interest at all, for a certain period of time.

      Sound interesting? Check out the latest intro rate deals below or compare the whole credit card market with our snazzy search tool .

    • How do intro rate credit cards work?

      Intro rates are offered to new customers as an incentive for switching credit cards. Some credit cards will have intro rates for purchases but you can also get intro rates when you transfer a balance from another credit card. A 0% purchase rate, for example, lets you make purchases on your credit card without a charge for a set period of time.

    • Are there any tricks and traps with intro rate credit cards?

      There are indeed. Some cards will revert to high cash advance rates for balances not paid off within the intro period. And most cards don't apply the intro period to such things as cash advances.

    Popular intro rate credit cards on MozoRates updated: 25 May 2012

      • Bankwest
        Zero
        • Limited Time Exclusive Offer - 0% p.a. intro purchase rate for 6 months
        • No annual fee plus 4.99% p.a. on balance transfers for 9 months
        • Up to 55 days interest free on purchases
      • intro interest rate

        0.00% for 6 months

      • interest rate

        17.99%


        balance transfer rate

        4.99% for 9 months

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      • American Express
        Qantas American Express Discovery Card
        • Enjoy a special introductory interest rate of 0% p.a. on purchases for the first six months
        • $0 annual card fee
        • Earn up to 7,500 bonus Qantas Frequent Flyer Points
      • intro interest rate

        0.00% for 6 months

      • interest rate

        20.74%


        balance transfer rate

      • Go to site
      Click for more info
      • Bankwest
        Breeze
        • Limited Time Exclusive Offer - 0% p.a. intro purchase rate for 6 months
        • 4.99% p.a. for the first 9 months on non-Bankwest credit card balance transfers
        • Up to 55 days interest free
      • intro interest rate

        0.00% for 6 months

      • interest rate

        10.99%


        balance transfer rate

        4.99% for 9 months

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      • American Express
        Platinum Edge Credit Card
        • 0% p.a. special introductory rate for first 6 months
        • Complimentary domestic economy return flight every year
        • $149 annual card fee
      • intro interest rate

        0.00% for 6 months

      • interest rate

        20.74%


        balance transfer rate

      • Go to site
      Click for more info
      • ANZ
        Low Rate
        • 0% p.a. on purchases and balances transferred for the first 3 months
        • Up to 55 days interest free on purchases
      • intro interest rate

        0.00% for 3 months

      • interest rate

        13.39%


        balance transfer rate

        0.00% for 3 months

      • Go to site
      Click for more info

    Get the card that's right for you

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    Credit card reviews

      • 28 Degrees 28 Degrees Mastercard *

        More 28 Degrees credit cards

        * Fees and charges are payable

        Show Rates

        28 Degrees credit card review

        Gread for OS travel without the transaction fees

          11. Overall customer rating
          12. (Reviewed 3 days ago)

        Great product for overseas travel and international eBay purchases. No conversion fees when used overseas with competitive foreign exchange rates. Safe, reliable and user-friendly online service. Efficient customer service during initial registrat...       Full review 

        Great product for overseas travel and international eBay purchases. No conversion fees when used overseas with competitive foreign exchange rates. Safe, reliable and user-friendly online service. Efficient customer service during initial registration. No cons so far. Highly recommended product.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
        Less
        28 Degrees 28 Degrees Mastercard credit card review by Marta from Australian Capital Territory

        Was this review helpful?

        Yes

      • Commonwealth Bank Low Fee Credit Card *

        • 20.24%

          interest rate

        • $24.00

          annual fee

        Commonwealth Bank Platinum Awards Credit Card *

        More Commonwealth Bank credit cards

        * Fees and charges are payable

        Show Rates

        Commonwealth Bank credit card review

        Great customer service & better competetive rates

          11. Overall customer rating
          12. (Reviewed 3 days ago)

        Love the idea of having a credit card on hand for any emergency purchases that may pop up and have always been a trusted Commonwealth Bank account holder but believe there interest rates could be at a bit more of a competitive price to keep valued...       Full review 

        Love the idea of having a credit card on hand for any emergency purchases that may pop up and have always been a trusted Commonwealth Bank account holder but believe there interest rates could be at a bit more of a competitive price to keep valued customers where they want to be and with a great rate.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
        Less
        Commonwealth Bank Low Fee Credit Card credit card review by Kelly from Victoria

        Was this review helpful?

        Yes

      • ANZ Frequent Flyer *

        ANZ First *

        More ANZ credit cards

        * Fees and charges are payable

        Show Rates

        ANZ credit card review

        Went out of their way to give comfortable service

          11. Overall customer rating
          12. (Reviewed 3 days ago)

        When I went into the branch, it didn't feel like a bank. I felt like I was in a movie, playing the part of a VIP investor with a personal bank representative....yet it was all comfy and casual like visiting a friend's place. Amazing!       Full review 

        When I went into the branch, it didn't feel like a bank. I felt like I was in a movie, playing the part of a VIP investor with a personal bank representative....yet it was all comfy and casual like visiting a friend's place. Amazing!


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
        Less
        ANZ Frequent Flyer credit card review by Craig from Western Australia

        Was this review helpful?

        Yes
    5

    Lowest interest rate

    based on ongoing interest rate

    Highest rated credit cards- as voted by the Mozo Community (rating out of 10)

    • 8.0

      Bendigo Bank credit cards

      Overall rating: 8.0 (51 reviews)*

      Last reviewed: 04 May 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust

      * based on reviews in the past 12 months

      Bendigo Bank credit cards
    • 7.8

      28 Degrees credit cards

      Overall rating: 7.9 (71 reviews)*

      Last reviewed: 20 May 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust

      * based on reviews in the past 12 months

      28 Degrees credit cards
    • 7.8

      Woolworths credit cards

      Overall rating: 7.8 (30 reviews)*

      Last reviewed: 08 May 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust

      * based on reviews in the past 12 months

      Woolworths credit cards
    • 7.3

      Bankwest credit cards

      Overall rating: 7.3 (132 reviews)*

      Last reviewed: 21 May 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust

      * based on reviews in the past 12 months

      Bankwest credit cards
    • 7.2

      Bank of Queensland credit cards

      Overall rating: 7.2 (39 reviews)*

      Last reviewed: 24 January 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust

      * based on reviews in the past 12 months

      Bank of Queensland credit cards

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