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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.

  • 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.

Credit card comparisons on MozoRates updated daily

  • Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate Offer

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 12 months
    • Exclusive reduced flights offer when you and a friend travel together. Conditions apply

    Purchase Rate

    0% for 12 months then 20.74%

    Annual Fee

    $129

    Balance Transfer Rate

    0% for 6 months and then 20.99%

    Go to site
    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 12 months
    • Exclusive reduced flights offer when you and a friend travel together. Conditions apply
    Fees
    • Balance transfer rate: 0% for 6 months and then 20.99%
    • Annual fee: $129
    • Purchase rate: 0% for 12 months then 20.74%
    • Balance transfer conditions:
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99%
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description: Points are credited to the Velocity program. Buy a Virgin Australia domestic Saver fare and get an exclusive reduced flight offer for you and a friend on the same flight up to 4 times a year.
    Overall rating

    4.6

    Based on 44 Virgin Money credit card reviews

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  • NAB Low Rate Card

    NAB Low Rate Card

    • 0% p.a. on purchases for the first 12 months
    • 0% p.a on balance transfers for 12 months
    • Apply by 19 April 2015

    Purchase Rate

    0% for 12 months then 13.99%

    Annual Fee

    $59

    Balance Transfer Rate

    0% for 12 months

    Go to site
    • 0% p.a. on purchases for the first 12 months
    • 0% p.a on balance transfers for 12 months
    • Apply by 19 April 2015
    Fees
    • Balance transfer rate: 0% for 12 months
    • Annual fee: $59
    • Purchase rate: 0% for 12 months then 13.99%
    • Balance transfer conditions:
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 1.75%, Min $1.75
    • Rewards description:
    Overall rating

    7.2

    Based on 631 NAB credit card reviews

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  • Bank of Melbourne Vertigo

    Bank of Melbourne Vertigo

    • 0% p.a. on balance transfers for the first 18 months
    • 0% p.a. on purchases for the first 3 months
    • Up to 55 interest free days on purchases

    Purchase Rate

    0% for 3 months then 13.24%

    Annual Fee

    $55

    Balance Transfer Rate

    0% for 18 months and then 21.49%

    Go to site
    • 0% p.a. on balance transfers for the first 18 months
    • 0% p.a. on purchases for the first 3 months
    • Up to 55 interest free days on purchases
    Fees
    • Balance transfer rate: 0% for 18 months and then 21.49%
    • Annual fee: $55
    • Purchase rate: 0% for 3 months then 13.24%
    • Balance transfer conditions:
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.8

    Based on 32 Bank of Melbourne credit card reviews

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  • NAB Premium Card

    NAB Premium Card

    • 0% p.a. on balance transfers for 12 months
    • 0% p.a on purchases for the first 12 months
    • Complimentary insurances including overseas travel insurance

    Purchase Rate

    0% for 12 months then 19.74%

    Annual Fee

    $90

    Balance Transfer Rate

    0% for 12 months

    Go to site
    • 0% p.a. on balance transfers for 12 months
    • 0% p.a on purchases for the first 12 months
    • Complimentary insurances including overseas travel insurance
    Fees
    • Balance transfer rate: 0% for 12 months
    • Annual fee: $90
    • Purchase rate: 0% for 12 months then 19.74%
    • Balance transfer conditions:
    • Interest free days: 44
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 1.75%, Min $1.75
    • Rewards description:
    Overall rating

    7.2

    Based on 631 NAB credit card reviews

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  • Westpac Low Rate - Online Only Offer

    Westpac Low Rate - Online Only Offer

    • 0% p.a. rate on balance transfers for 18 months when requested at card application
    • 0% p.a introductory purchase rate for the first 3 months
    • Online only offer for applications approved by 19 April 2015

    Purchase Rate

    0% for 3 months then 13.49%

    Annual Fee

    $59

    Balance Transfer Rate

    0% for 18 months and then 21.49% (2.00% handling fee)

    Go to site
    • 0% p.a. rate on balance transfers for 18 months when requested at card application
    • 0% p.a introductory purchase rate for the first 3 months
    • Online only offer for applications approved by 19 April 2015
    Fees
    • Balance transfer rate: 0% for 18 months and then 21.49% (2.00% handling fee)
    • Annual fee: $59
    • Purchase rate: 0% for 3 months then 13.49%
    • Balance transfer conditions:
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%, Min $2.50, Max $150
    • Rewards description:
    Overall rating

    7.2

    Based on 681 Westpac credit card reviews

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  • St.George Vertigo

    St.George Vertigo

    • 0% p.a. on balance transfers for the first 18 months
    • 0% p.a. on purchases for the first 3 months
    • Up to 55 interest free days on purchases

    Purchase Rate

    0% for 3 months then 13.24%

    Annual Fee

    $55

    Balance Transfer Rate

    0% for 18 months and then 21.49%

    Go to site
    • 0% p.a. on balance transfers for the first 18 months
    • 0% p.a. on purchases for the first 3 months
    • Up to 55 interest free days on purchases
    Fees
    • Balance transfer rate: 0% for 18 months and then 21.49%
    • Annual fee: $55
    • Purchase rate: 0% for 3 months then 13.24%
    • Balance transfer conditions:
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    6.9

    Based on 154 St.George credit card reviews

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  • BankSA Vertigo Platinum

    BankSA Vertigo Platinum

    • 0% p.a. on balance transfers for the first 20 months
    • 0% p.a. on purchases for the first 3 months
    • $99 annual fee

    Purchase Rate

    0% for 3 months then 12.74%

    Annual Fee

    $99

    Balance Transfer Rate

    0% for 20 months and then 21.49%

    Go to site
    • 0% p.a. on balance transfers for the first 20 months
    • 0% p.a. on purchases for the first 3 months
    • $99 annual fee
    Fees
    • Balance transfer rate: 0% for 20 months and then 21.49%
    • Annual fee: $99
    • Purchase rate: 0% for 3 months then 12.74%
    • Balance transfer conditions:
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2.0%, Min $2.50
    • Rewards description:
    Overall rating

    7.1

    Based on 37 BankSA credit card reviews

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