How to make your credit card interest-free
No one likes paying interest. So why would you pay it on your credit card if you can avoid it?
The truth is, there are a handful of hacks to make your credit card interest-free without chopping it to pieces.
One simple way to avoid paying interest on your credit card is by paying down your balance in full, month to month. While this might seem obvious, what it means is that whether you have a card with a 0% or 24.99% interest rate, you won’t be charged either way.
So, say you have a rewards credit card with a hefty interest rate in return for a killer points earning system: if you spend and then repay what you owe each month you’re essentially using an interest-free card with all the perks!
How do I change my credit card to 0% interest?
Another option is to take advantage of a 0% introductory interest rate!
Currently on the Mozo database there are 19 credit cards that come with an introductory interest-free offer, for between six and 17 months. This means that for a period of time you won’t be charged any interest at all. A 0% intro offer could be a perfect option if you have a big purchase in mind that you need a few months to pay off, or you intend your spending might bump up over a period of time.
But it’s important to note that once the offer is up you will have to start paying interest, and in some cases credit card revert rates can be hefty.
On the other hand, there is the option of a 0% credit card, such as the NAB StraightUp or CommBank Neo. Similar to Buy Now Pay Later, you’ll pay absolutely no interest when you make purchases on these cards. Instead, there is a monthly fee which is calculated in accordance with your credit limit and spending.
How do interest free days work on a credit card?
You may have seen 44 or 55 “interest-free days” advertised with a particular credit card - but what does that mean exactly? Let’s break it down.
Interest-free days are a credit card feature which refers to how long you may go without paying interest on purchases, if you pay down your balance in full each month.
The interest-free period starts at the beginning of your statement period. However, the timing of your purchase will determine how many days you receive.
For example, say you have a credit card with 55 interest days: if you make a purchase on the first day of your statement period, then that purchase will have the full 55 days. However, if you make your purchase on the tenth day of your statement period, then that purchase will have 45 interest free days. So the later in the statement period you make the purchase, the fewer interest free days you receive on that particular transaction.
While 44 or 55 interest-free days are more common on a credit card, on the Mozo database some cards offer all the way up to 110 interest-free days.
Is it a good idea to do a balance transfer?
If you have a bunch of credit card debt that you need to clear, a balance transfer offer is a good idea.
Balance transfer offers come in all shapes and sizes, with the longest 0% offer on the Mozo database sitting at a massive 36 months.
With these offers customers are charged 0% interest on their existing balance for an agreed period of time. However, because they are designed for clearing debt, any new purchases made on the card will not be subject to 0% interest. Instead, customers will be charged a hefty purchase or cash advance rate.
So, a tactic to make your credit card interest-free through a balance transfer, is only a savvy option if you wish to clear your credit card debt without making new purchases.
RELATED ARTICLE: Credit cards: A year in review, and what's changed?
Looking for ways to make your credit card interest-free? You may need to make the switch! Compare hot options below or jump over to our credit card comparison table for more.
Compare credit cards - last updated 16 October 2021
- Apply By 31 Oct 2021
Bendigo Bank Low Rate Credit Card
0% p.a. on purchases for up to 12 months (Reverts to 11.99% p.a). Also 0% balance transfer for up to 12 months. Low annual fee of $45 and no fees for additional cardholders.
Purchase rateBalance transfer rateAnnual feeRewards program0% p.a. for 12 months then 11.99% p.a.0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)$45-CompareCompareLow Rate Credit Card
0% p.a. on purchases for up to 12 months (Reverts to 11.99% p.a). Also 0% balance transfer for up to 12 months. Low annual fee of $45 and no fees for additional cardholders.
- Purchase rate
- 0% p.a. for 12 months then 11.99% p.a.
- Balance transfer rate
- 0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
- Annual fee
- $45
- Rewards program
- Purchase rate
- 0% p.a. for 12 months then 11.99% p.a.
- Intro purchase rate
- 0% p.a. for 12 months
- Balance transfer rate
- 0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
- Cash advance
- 13.99% p.a.
- Interest free days on purchases
- 55
- Intro fee
- Foreign exchange margin
- 3.00%
- Annual card fee
- $45
- Late payment fee
- $15.00
- Cash advance fee
- 0.50%, Min $3.25
Read our Mozo Review to learn more about the Low Rate Credit Card
-
Bankwest Breeze Mastercard
Enjoy 0% p.a on balance transfers for 15 months then 9.90% thereafter. No annual fee for the first year. Limited time only. Other fees, T&Cs apply. New Breeze Mastercard customers only.
Purchase rateBalance transfer rateAnnual feeRewards program0% p.a. for 15 months then 9.90% p.a.0% p.a. for 15 months and then 9.90% p.a.$49 $0 in the first year-CompareCompareBreeze Mastercard
Enjoy 0% p.a on balance transfers for 15 months then 9.90% thereafter. No annual fee for the first year. Limited time only. Other fees, T&Cs apply. New Breeze Mastercard customers only.
- Purchase rate
- 0% p.a. for 15 months then 9.90% p.a.
- Balance transfer rate
- 0% p.a. for 15 months and then 9.90% p.a.
- Annual fee
- $49 $0 in the first year
- Rewards program
- Purchase rate
- 0% p.a. for 15 months then 9.90% p.a.
- Intro purchase rate
- 0% p.a. for 15 months
- Balance transfer rate
- 0% p.a. for 15 months and then 9.90% p.a.
- Cash advance
- 21.99% p.a.
- Interest free days on purchases
- 55
- Intro fee
- 0.0
- Foreign exchange margin
- 2.95%
- Annual card fee
- $49 $0 in the first year
- Late payment fee
- $25.00
- Cash advance fee
- 2%, Min $4.00
Read our Mozo Review to learn more about the Breeze Mastercard
-
Great Southern Bank Low Rate Credit Card
0% balance transfer rate for 25 months and up to 55 interest free days. No annual fee for the first year and $49 after. Mozo Experts Choice Balance Transfer Platinum Credit Card Winner 2020^
Purchase rateBalance transfer rateAnnual feeRewards program11.99% p.a.0% p.a. for 25 months and then 21.74% p.a.$49 $0 in the first year-CompareCompareLow Rate Credit Card
0% balance transfer rate for 25 months and up to 55 interest free days. No annual fee for the first year and $49 after. Mozo Experts Choice Balance Transfer Platinum Credit Card Winner 2020^
- Purchase rate
- 11.99% p.a.
- Balance transfer rate
- 0% p.a. for 25 months and then 21.74% p.a.
- Annual fee
- $49 $0 in the first year
- Rewards program
- Purchase rate
- 11.99% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- 0% p.a. for 25 months and then 21.74% p.a.
- Cash advance
- 21.74% p.a.
- Interest free days on purchases
- 55
- Intro fee
- 0.0
- Foreign exchange margin
- 3.40%
- Annual card fee
- $49 $0 in the first year
- Late payment fee
- $12.50
- Cash advance fee
- 2.00%, Min $3.50
Read our Mozo Review to learn more about the Low Rate Credit Card
-
MoneyMe Freestyle Virtual Mastercard
Use your virtual card instantly once approved (typically within 60 minutes). Features include Tap n Pay with up to 55 days interest-free, transfer money to any bank account and exclusive access to MoneyMe perks. $0 annual fee for lower limits. Must be employed with decent credit history.
Purchase rateBalance transfer rateAnnual feeRewards program16.99% p.a.No current offer$209 $0 - $149 based on credit limit, $5/month for balances over $20.-CompareCompareFreestyle Virtual Mastercard
Use your virtual card instantly once approved (typically within 60 minutes). Features include Tap n Pay with up to 55 days interest-free, transfer money to any bank account and exclusive access to MoneyMe perks. $0 annual fee for lower limits. Must be employed with decent credit history.
- Purchase rate
- 16.99% p.a.
- Balance transfer rate
- No current offer
- Annual fee
- $209 $0 - $149 based on credit limit, $5/month for balances over $20.
- Rewards program
- Purchase rate
- 16.99% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- No current offer
- Cash advance
- 16.99% p.a.
- Interest free days on purchases
- 55
- Intro fee
- Foreign exchange margin
- 2.99%
- Annual card fee
- $209 $0 - $149 based on credit limit, $5/month for balances over $20.
- Late payment fee
- $15.00
- Cash advance fee
Read our Mozo Review to learn more about the Freestyle Virtual Mastercard
- Apply By 10 Oct 2021
humm90 Mastercard
With up to 110 days interest free on your spending, this card is pretty unique in the market, and great for managing your daily spend. Plus, no foreign transaction fees overseas or online.
Purchase rateBalance transfer rateAnnual feeRewards program23.99% p.a.No current offer$99-CompareCompareMastercard
With up to 110 days interest free on your spending, this card is pretty unique in the market, and great for managing your daily spend. Plus, no foreign transaction fees overseas or online.
- Purchase rate
- 23.99% p.a.
- Balance transfer rate
- No current offer
- Annual fee
- $99
- Rewards program
- Purchase rate
- 23.99% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- No current offer
- Cash advance
- 25.99% p.a.
- Interest free days on purchases
- 110
- Intro fee
- Foreign exchange margin
- 0%
- Annual card fee
- $99
- Late payment fee
- $35.00
- Cash advance fee
- 3%, min $3
Read our Mozo Review to learn more about the Mastercard
-
Westpac Low Rate - Cashback Offer
Enjoy a super low rate of 13.74% with 55 days interest free plus $400 Cashback with $4k+ spend on eligible purchases within 4 months of card approval. No annual card fee for the first year, $59 thereafter. New Cards only. Offer ends November 30th 2021. T&C's and exclusions apply.
Purchase rateBalance transfer rateAnnual feeRewards program13.74% p.a.No current offer$59 $0 in the first year-CompareCompareLow Rate - Cashback Offer
Enjoy a super low rate of 13.74% with 55 days interest free plus $400 Cashback with $4k+ spend on eligible purchases within 4 months of card approval. No annual card fee for the first year, $59 thereafter. New Cards only. Offer ends November 30th 2021. T&C's and exclusions apply.
- Purchase rate
- 13.74% p.a.
- Balance transfer rate
- No current offer
- Annual fee
- $59 $0 in the first year
- Rewards program
- Purchase rate
- 13.74% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- No current offer
- Cash advance
- 21.49% p.a.
- Interest free days on purchases
- 55
- Intro fee
- 0.0
- Foreign exchange margin
- 3.00%
- Annual card fee
- $59 $0 in the first year
- Late payment fee
- $15.00
- Cash advance fee
- 2%, Min $2.50, Max $150
Read our Mozo Review to learn more about the Low Rate - Cashback Offer
-
Great Southern Bank Platinum Credit Card
0% p.a. balance transfer for 25 months, $0 annual fee for the first year and also receive 1 rewards point for every dollar spent. Purchase protection insurance. Mozo Experts Choice Balance Transfer Platinum Credit Card Winner 2020^.
Purchase rateBalance transfer rateAnnual feeRewards program19.99% p.a.0% p.a. for 25 months and then 21.74% p.a.$149 $0 in the first yearGreat Southen Bank Platinum RewardsCompareComparePlatinum Credit Card
0% p.a. balance transfer for 25 months, $0 annual fee for the first year and also receive 1 rewards point for every dollar spent. Purchase protection insurance. Mozo Experts Choice Balance Transfer Platinum Credit Card Winner 2020^.
- Purchase rate
- 19.99% p.a.
- Balance transfer rate
- 0% p.a. for 25 months and then 21.74% p.a.
- Annual fee
- $149 $0 in the first year
- Rewards program
- Great Southen Bank Platinum Rewards
- Purchase rate
- 19.99% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- 0% p.a. for 25 months and then 21.74% p.a.
- Cash advance
- 21.74% p.a.
- Interest free days on purchases
- 55
- Intro fee
- 0.0
- Foreign exchange margin
- 3.40%
- Annual card fee
- $149 $0 in the first year
- Late payment fee
- $12.50
- Cash advance fee
- 2.00%, Min $3.50
Read our Mozo Review to learn more about the Platinum Credit Card
-
Latitude Gem Visa
Enjoy now. Pay later with Latitude. 0% interest for 6 months (purchases over $250). 0% interest payment plans at selected retailers. Up to 55 interest free days. Apply in less than 10 minutes. Must be over 18 to apply.
Purchase rateBalance transfer rateAnnual feeRewards program19.95% p.a.No current offer$107 $8.95 monthly fee waived if outstanding balance less than $10-CompareCompareGem Visa
Enjoy now. Pay later with Latitude. 0% interest for 6 months (purchases over $250). 0% interest payment plans at selected retailers. Up to 55 interest free days. Apply in less than 10 minutes. Must be over 18 to apply.
- Purchase rate
- 19.95% p.a.
- Balance transfer rate
- No current offer
- Annual fee
- $107 $8.95 monthly fee waived if outstanding balance less than $10
- Rewards program
- Purchase rate
- 19.95% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- No current offer
- Cash advance
- 24.99% p.a.
- Interest free days on purchases
- 55
- Intro fee
- Foreign exchange margin
- 3.00%
- Annual card fee
- $107 $8.95 monthly fee waived if outstanding balance less than $10
- Late payment fee
- $30.00
- Cash advance fee
- 3%, Min $3, Max $30
Read our Mozo Review to learn more about the Gem Visa
- Apply By 30 Nov 2021
St.George Vertigo - Cashback Offer
$300 cashback when you take out a new Vertigo Credit Card and spend $4k on eligible purchases within 120 days of the new card approval. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.
Purchase rateBalance transfer rateAnnual feeRewards program13.99% p.a.2.99% p.a. for 15 months and then 21.49% p.a.$55 $0 in the first year-CompareCompareVertigo - Cashback Offer
$300 cashback when you take out a new Vertigo Credit Card and spend $4k on eligible purchases within 120 days of the new card approval. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.
- Purchase rate
- 13.99% p.a.
- Balance transfer rate
- 2.99% p.a. for 15 months and then 21.49% p.a.
- Annual fee
- $55 $0 in the first year
- Rewards program
- Purchase rate
- 13.99% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- 2.99% p.a. for 15 months and then 21.49% p.a.
- Cash advance
- 21.49% p.a.
- Interest free days on purchases
- 55
- Intro fee
- 0.0
- Foreign exchange margin
- 3.00%
- Annual card fee
- $55 $0 in the first year
- Late payment fee
- $15.00
- Cash advance fee
- 2%, Min $2.50
Read our Mozo Review to learn more about the Vertigo - Cashback Offer
-
NAB Low Rate Card
0% p.a. interest on balance transfers for the first 32 months, plus a low ongoing purchase rate after that means you can spend with confidence. There's also up to 55 interest free days on purchases to help you manage your budget better.
Purchase rateBalance transfer rateAnnual feeRewards program12.99% p.a.0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)$59 $0 in the first year-CompareCompareLow Rate Card
0% p.a. interest on balance transfers for the first 32 months, plus a low ongoing purchase rate after that means you can spend with confidence. There's also up to 55 interest free days on purchases to help you manage your budget better.
- Purchase rate
- 12.99% p.a.
- Balance transfer rate
- 0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
- Annual fee
- $59 $0 in the first year
- Rewards program
- Purchase rate
- 12.99% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- 0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
- Cash advance
- 21.74% p.a.
- Interest free days on purchases
- 55
- Intro fee
- 0.0
- Foreign exchange margin
- 3.00%
- Annual card fee
- $59 $0 in the first year
- Late payment fee
- $15.00
- Cash advance fee
- 2%, Min $2.50
Read our Mozo Review to learn more about the Low Rate Card
-
American Express Low Rate Credit Card
Competitive low rate with $0 Annual Fee. Get $100 back when you apply online by 27 October 2021, are approved and spend $1,000 on your new Card by 31 December 2021. T&Cs apply. New Card Members only. Customers need an annual income of $50,000 or more.
Purchase rateBalance transfer rateAnnual feeRewards program8.99% p.a.No current offer$0-CompareCompareLow Rate Credit Card
Competitive low rate with $0 Annual Fee. Get $100 back when you apply online by 27 October 2021, are approved and spend $1,000 on your new Card by 31 December 2021. T&Cs apply. New Card Members only. Customers need an annual income of $50,000 or more.
- Purchase rate
- 8.99% p.a.
- Balance transfer rate
- No current offer
- Annual fee
- $0
- Rewards program
- Purchase rate
- 8.99% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- No current offer
- Cash advance
- Interest free days on purchases
- 55
- Intro fee
- Foreign exchange margin
- 3.00%
- Annual card fee
- $0
- Late payment fee
- $30.00
- Cash advance fee
Read our Mozo Review to learn more about the Low Rate Credit Card
-
NAB StraightUp Card
Pay no interest and no late payment fees, just a $10 monthly fee for a $1,000 credit limit. Plus, if you don't make any purchases and have an outstanding balance of $0 during the whole statement period, the monthly fee will be reversed. Also pay no foreign currency fees when you shop online or overseas. Mozo Experts Choice Credit Card Innovation Winner 2020^.
Purchase rateBalance transfer rateAnnual feeRewards program0% p.a.No current offer$120 $10/month - waived if no spend & no balance owing-CompareCompareStraightUp Card
Pay no interest and no late payment fees, just a $10 monthly fee for a $1,000 credit limit. Plus, if you don't make any purchases and have an outstanding balance of $0 during the whole statement period, the monthly fee will be reversed. Also pay no foreign currency fees when you shop online or overseas. Mozo Experts Choice Credit Card Innovation Winner 2020^.
- Purchase rate
- 0% p.a.
- Balance transfer rate
- No current offer
- Annual fee
- $120 $10/month - waived if no spend & no balance owing
- Rewards program
- Purchase rate
- 0% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- No current offer
- Cash advance
- Interest free days on purchases
- 0
- Intro fee
- Foreign exchange margin
- 0%
- Annual card fee
- $120 $10/month - waived if no spend & no balance owing
- Late payment fee
- $0.00
- Cash advance fee
- n/a
Read our Mozo Review to learn more about the StraightUp Card
- Apply By 19 Oct 2021
American Express Platinum Edge Credit Card
Receive 50,000 Bonus Membership Rewards when you apply online by 19 October 2021, are approved and spend $1,500 on your new Card within the first 3 months. T&Cs apply. New Card Members only. $0 introductory annual Card fee for the first year..
Purchase rateBalance transfer rateAnnual feeRewards program20.74% p.a.No current offer$195 $0 in the first yearMembership RewardsCompareComparePlatinum Edge Credit Card
Receive 50,000 Bonus Membership Rewards when you apply online by 19 October 2021, are approved and spend $1,500 on your new Card within the first 3 months. T&Cs apply. New Card Members only. $0 introductory annual Card fee for the first year..
- Purchase rate
- 20.74% p.a.
- Balance transfer rate
- No current offer
- Annual fee
- $195 $0 in the first year
- Rewards program
- Membership Rewards
- Purchase rate
- 20.74% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- No current offer
- Cash advance
- Interest free days on purchases
- 55
- Intro fee
- 0.0
- Foreign exchange margin
- 3.00%
- Annual card fee
- $195 $0 in the first year
- Late payment fee
- $30.00
- Cash advance fee
Read our Mozo Review to learn more about the Platinum Edge Credit Card
-
HSBC Platinum Credit Card
0%p.a. on balance transfers for 36 months with no balance transfer fee. Terms and Conditions apply. Mozo Experts Choice Premium Rewards and Balance Transfer Platinum Credit Card Winner 2020.
Purchase rateBalance transfer rateAnnual feeRewards program19.99% p.a.0% p.a. for 36 months and then 21.99% p.a.$129 $29 in the first yearRewards PlusCompareComparePlatinum Credit Card
0%p.a. on balance transfers for 36 months with no balance transfer fee. Terms and Conditions apply. Mozo Experts Choice Premium Rewards and Balance Transfer Platinum Credit Card Winner 2020.
- Purchase rate
- 19.99% p.a.
- Balance transfer rate
- 0% p.a. for 36 months and then 21.99% p.a.
- Annual fee
- $129 $29 in the first year
- Rewards program
- Rewards Plus
- Purchase rate
- 19.99% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- 0% p.a. for 36 months and then 21.99% p.a.
- Cash advance
- 21.99% p.a.
- Interest free days on purchases
- 55
- Intro fee
- 29.0
- Foreign exchange margin
- 3.00%
- Annual card fee
- $129 $29 in the first year
- Late payment fee
- $30.00
- Cash advance fee
- 3%, min $4.00
Read our Mozo Review to learn more about the Platinum Credit Card
- Apply By 26 Oct 2021
American Express Explorer® Credit Card
Receive 150,000 Bonus Membership Rewards Points when you apply online by 26 October 2021, are approved and spend $3,000 on your new Card within the first 3 months. T&Cs apply. New Card Members only.
Purchase rateBalance transfer rateAnnual feeRewards program20.74% p.a.No current offer$395Membership RewardsCompareCompareExplorer® Credit Card
Receive 150,000 Bonus Membership Rewards Points when you apply online by 26 October 2021, are approved and spend $3,000 on your new Card within the first 3 months. T&Cs apply. New Card Members only.
- Purchase rate
- 20.74% p.a.
- Balance transfer rate
- No current offer
- Annual fee
- $395
- Rewards program
- Membership Rewards
- Purchase rate
- 20.74% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- No current offer
- Cash advance
- Interest free days on purchases
- 55
- Intro fee
- Foreign exchange margin
- 3.00%
- Annual card fee
- $395
- Late payment fee
- $30.00
- Cash advance fee
Read our Mozo Review to learn more about the Explorer® Credit Card
-
St.George No Annual Fee
0% p.a. for 12 months on APR requested at card application. The special promotional purchase rate applies from card approval, after the promotional period, the rate will switch to the variable purchase rate. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.
Purchase rateBalance transfer rateAnnual feeRewards program0% p.a. for 12 months then 20.74% p.a.2.99% p.a. for 15 months and then 21.49% p.a.$0-CompareCompareNo Annual Fee
0% p.a. for 12 months on APR requested at card application. The special promotional purchase rate applies from card approval, after the promotional period, the rate will switch to the variable purchase rate. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.
- Purchase rate
- 0% p.a. for 12 months then 20.74% p.a.
- Balance transfer rate
- 2.99% p.a. for 15 months and then 21.49% p.a.
- Annual fee
- $0
- Rewards program
- Purchase rate
- 0% p.a. for 12 months then 20.74% p.a.
- Intro purchase rate
- 0% p.a. for 12 months
- Balance transfer rate
- 2.99% p.a. for 15 months and then 21.49% p.a.
- Cash advance
- 21.49% p.a.
- Interest free days on purchases
- 55
- Intro fee
- Foreign exchange margin
- 3.00%
- Annual card fee
- $0
- Late payment fee
- $15.00
- Cash advance fee
- 2%, Min $2.50
Read our Mozo Review to learn more about the No Annual Fee
-
Bankwest Zero Mastercard
No annual fee and up to 55 days interest free on purchases. 0% p.a. on balance transfers for 26 months and then 14.99% p.a. thereafter (2% BT fee applies).
Purchase rateBalance transfer rateAnnual feeRewards program14.99% p.a.0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)$0-CompareCompareZero Mastercard
No annual fee and up to 55 days interest free on purchases. 0% p.a. on balance transfers for 26 months and then 14.99% p.a. thereafter (2% BT fee applies).
- Purchase rate
- 14.99% p.a.
- Balance transfer rate
- 0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
- Annual fee
- $0
- Rewards program
- Purchase rate
- 14.99% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- 0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
- Cash advance
- 21.99% p.a.
- Interest free days on purchases
- 55
- Intro fee
- Foreign exchange margin
- 2.95%
- Annual card fee
- $0
- Late payment fee
- $25.00
- Cash advance fee
- 2%, Min $4.00
Read our Mozo Review to learn more about the Zero Mastercard
-
American Express Qantas Ultimate Card
Receive 110,000 bonus Qantas Points plus $200 back when you apply online by 27 October 2021, are approved and spend $3,000 on your new Card within the first 3 months. Offer available to new Card Members only. Plus, receive up to 40,000 extra Qantas points with Shop Small (T&Cs apply)
Purchase rateBalance transfer rateAnnual feeRewards program20.74% p.a.No current offer$450Qantas Frequent FlyerCompareCompareQantas Ultimate Card
Receive 110,000 bonus Qantas Points plus $200 back when you apply online by 27 October 2021, are approved and spend $3,000 on your new Card within the first 3 months. Offer available to new Card Members only. Plus, receive up to 40,000 extra Qantas points with Shop Small (T&Cs apply)
- Purchase rate
- 20.74% p.a.
- Balance transfer rate
- No current offer
- Annual fee
- $450
- Rewards program
- Qantas Frequent Flyer
- Purchase rate
- 20.74% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- No current offer
- Cash advance
- Interest free days on purchases
- 44
- Intro fee
- Foreign exchange margin
- 3.00%
- Annual card fee
- $450
- Late payment fee
- $30.00
- Cash advance fee
Read our Mozo Review to learn more about the Qantas Ultimate Card
- Apply By 30 Nov 2021
St.George Vertigo
0% p.a. for 30 months on balance transfers requested at card application. 0% balance transfer fee applies. Rate then switches to applicable variable cash advance rate. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.
Purchase rateBalance transfer rateAnnual feeRewards program13.99% p.a.0% p.a. for 30 months and then 21.49% p.a.$55 $0 in the first year-CompareCompareVertigo
0% p.a. for 30 months on balance transfers requested at card application. 0% balance transfer fee applies. Rate then switches to applicable variable cash advance rate. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.
- Purchase rate
- 13.99% p.a.
- Balance transfer rate
- 0% p.a. for 30 months and then 21.49% p.a.
- Annual fee
- $55 $0 in the first year
- Rewards program
- Purchase rate
- 13.99% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- 0% p.a. for 30 months and then 21.49% p.a.
- Cash advance
- 21.49% p.a.
- Interest free days on purchases
- 55
- Intro fee
- 0.0
- Foreign exchange margin
- 3.00%
- Annual card fee
- $55 $0 in the first year
- Late payment fee
- $15.00
- Cash advance fee
- 2%, Min $2.50
Read our Mozo Review to learn more about the Vertigo
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Westpac Low Rate
Enjoy a super low rate of 13.74% with 55 days interest free plus 0% balance transfer for up to 28 months at 1% BT fee. No annual card fee for the first year, $59 thereafter. New Cards only. Offer ends November 30th 2021. T&C's and exclusions apply.
Purchase rateBalance transfer rateAnnual feeRewards program13.74% p.a.0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)$59 $0 in the first year-CompareCompareLow Rate
Enjoy a super low rate of 13.74% with 55 days interest free plus 0% balance transfer for up to 28 months at 1% BT fee. No annual card fee for the first year, $59 thereafter. New Cards only. Offer ends November 30th 2021. T&C's and exclusions apply.
- Purchase rate
- 13.74% p.a.
- Balance transfer rate
- 0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
- Annual fee
- $59 $0 in the first year
- Rewards program
- Purchase rate
- 13.74% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- 0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
- Cash advance
- 21.49% p.a.
- Interest free days on purchases
- 55
- Intro fee
- 0.0
- Foreign exchange margin
- 3.00%
- Annual card fee
- $59 $0 in the first year
- Late payment fee
- $15.00
- Cash advance fee
- 2%, Min $2.50, Max $150
Read our Mozo Review to learn more about the Low Rate
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American Express Cashback Credit Card
Get 5% Bonus Cashback in the first 3 months and no monthly fee for the first 12 months. Additional 1.5% cashback with American Express Shop Small Campaign (conditions apply). Complimentary perks and insurances. Eligibility criteria and T&Cs apply.
Purchase rateBalance transfer rateAnnual feeRewards program20.74% p.a.No current offer$120 $0 in the first yearCashback RewardsCompareCompareCashback Credit Card
Get 5% Bonus Cashback in the first 3 months and no monthly fee for the first 12 months. Additional 1.5% cashback with American Express Shop Small Campaign (conditions apply). Complimentary perks and insurances. Eligibility criteria and T&Cs apply.
- Purchase rate
- 20.74% p.a.
- Balance transfer rate
- No current offer
- Annual fee
- $120 $0 in the first year
- Rewards program
- Cashback Rewards
- Purchase rate
- 20.74% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- No current offer
- Cash advance
- Interest free days on purchases
- 55
- Intro fee
- 0.0
- Foreign exchange margin
- 3.00%
- Annual card fee
- $120 $0 in the first year
- Late payment fee
- $30.00
- Cash advance fee
Read our Mozo Review to learn more about the Cashback Credit Card
- Apply By 30 Nov 2021
Bank of Melbourne Vertigo - Cashback Offer
$300 cashback when you take out a new Vertigo Credit Card and spend $4k on eligible purchases within 120 days of the new card approval. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.
Purchase rateBalance transfer rateAnnual feeRewards program13.99% p.a.2.99% p.a. for 15 months and then 21.49% p.a.$55 $0 in the first year-CompareCompareVertigo - Cashback Offer
$300 cashback when you take out a new Vertigo Credit Card and spend $4k on eligible purchases within 120 days of the new card approval. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.
- Purchase rate
- 13.99% p.a.
- Balance transfer rate
- 2.99% p.a. for 15 months and then 21.49% p.a.
- Annual fee
- $55 $0 in the first year
- Rewards program
- Purchase rate
- 13.99% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- 2.99% p.a. for 15 months and then 21.49% p.a.
- Cash advance
- 21.49% p.a.
- Interest free days on purchases
- 55
- Intro fee
- 0.0
- Foreign exchange margin
- 3.00%
- Annual card fee
- $55 $0 in the first year
- Late payment fee
- $15.00
- Cash advance fee
- 2%, Min $2.50
Read our Mozo Review to learn more about the Vertigo - Cashback Offer
- Apply By 30 Nov 2021
Westpac Altitude Platinum
Earn up to 60,000 bonus Qantas Points ($3k min. spend in the first 90 days on eligible purchases). 0% p.a. for 18 months on balance transfers requested at card application. 1% BT fee applies. $99 + $50 Annual Qantas Rewards card fee for the first year. New cards only. Offer ends November 30th 2021. T&C's and exclusions apply.
Purchase rateBalance transfer rateAnnual feeRewards program20.49% p.a.0% p.a. for 18 months and then 21.49% p.a. (1.00% balance transfer fee)$200 $149 in the first yearQantas Frequent FlyerCompareCompareAltitude Platinum
Earn up to 60,000 bonus Qantas Points ($3k min. spend in the first 90 days on eligible purchases). 0% p.a. for 18 months on balance transfers requested at card application. 1% BT fee applies. $99 + $50 Annual Qantas Rewards card fee for the first year. New cards only. Offer ends November 30th 2021. T&C's and exclusions apply.
- Purchase rate
- 20.49% p.a.
- Balance transfer rate
- 0% p.a. for 18 months and then 21.49% p.a. (1.00% balance transfer fee)
- Annual fee
- $200 $149 in the first year
- Rewards program
- Qantas Frequent Flyer
- Purchase rate
- 20.49% p.a.
- Intro purchase rate
- -
- Balance transfer rate
- 0% p.a. for 18 months and then 21.49% p.a. (1.00% balance transfer fee)
- Cash advance
- 21.49% p.a.
- Interest free days on purchases
- 45
- Intro fee
- 149.0
- Foreign exchange margin
- 3.00%
- Annual card fee
- $200 $149 in the first year
- Late payment fee
- $15.00
- Cash advance fee
- 2%, Min $2.50, Max $150
Read our Mozo Review to learn more about the Altitude Platinum
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