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Interest free credit card comparisons on Mozo

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Last updated 23 November 2024Important disclosures
  • Citi Rewards - Balance Transfer and Purchases offer

    Enjoy 0% p.a. for 15 months on purchases and balance transfers. Balance transfer reverts to cash advance rate. Earn up to 1 Citi reward Point per $1 on eligible transactions. Access up to 3 months complimentary International Travel Insurance and up to 14 days Domestic Travel Insurance with a Citi Rewards Credit Card when meeting eligibility criteria. Apply for a credit limit from $2,000 up to $100,000. Balance transfer fee applies. This product is provided by National Australia Bank Limited, using certain trademarks temporarily under licence from Citigroup Inc.

    Balance transfer rate
    Purchase rate
    Annual fee
    0% p.a. for 15 months and then 22.24% p.a. (2.00% balance transfer fee)
    0% p.a. for 15 months then 21.49% p.a.
    $199
    Compare
    Details
  • Westpac Flex Card

    available to Westpac account holders only

    Balance transfer rate
    Purchase rate
    Annual fee
    No current offer
    0% p.a.
    $120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.
    Compare
    Details
  • NAB StraightUp Card

    $30/month - $3,000 Credit Limit

    Pay no interest and no late payment fees, just a $20 monthly fee for a $3,000 credit limit. 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. Pay no foreign currency fees when you buy online or overseas.

    Balance transfer rate
    Purchase rate
    Annual fee
    No current offer
    n/a
    $360 $30/month - waived if no spend & no balance owing
    Compare
    Details
  • Community First Bank n0w Credit Card

    Balance transfer rate
    Purchase rate
    Annual fee
    No current offer
    n/a
    $228 Monthly fee is waived if account has a $0 balance and if card isn't used during the calendar month.
    Compare
    Details
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Credit card providers we compare at Mozo

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Credit Card Resources

Views, news, tips and guides to help find the best credit card for you.

Credit Card Reviews

Qantas Money Credit Card
Overall 1/10
DONT EVEN EVALUATE QANTAS CREDIT CARD.

Very Poor app and online experience. Direct debit is set only through a paper form which never gets received. The statement is designed very poor or should rather say "very smart " to not include the total amount DUE or clearly say the DUE DATE. Not at all easy to understand the balance. Pending transactions get cleared after a long long time. I have just closed this card in less than 2 months of using it because of their digital experience. The closure process as explained by the rep will take another month even when I have paid my account balance in full. I have used every card in Australia and this was by far the WORST card or service you can get. You cannot even claim the Annual fee back as they have issued you free points. I am happy to give back the points they have credited but they have been SOLD to me.

Read full review

Very Poor app and online experience. Direct debit is set only through a paper form which never gets received. The statement is designed very poor or should rather say "very smart " to not include the total amount DUE or clearly say the DUE DATE. Not at all easy to understand the balance. Pending transactions get cleared after a long long time. I have just closed this card in less than 2 months of using it because of their digital experience. The closure process as explained by the rep will take another month even when I have paid my account balance in full. I have used every card in Australia and this was by far the WORST card or service you can get. You cannot even claim the Annual fee back as they have issued you free points. I am happy to give back the points they have credited but they have been SOLD to me.

Price
1/10
Features
5/10
Customer service
4/10
Convenience
1/10
Trust
3/10
Less
Varun, Victoria, reviewed 3 days ago
Citi Clear Credit Card
Overall 1/10
Go elsewhere

High fees, always difficult to access my online A/C

Read full review

High fees, always difficult to access my online A/C

Price
1/10
Features
1/10
Customer service
6/10
Convenience
8/10
Trust
2/10
Less
Greg, Victoria, reviewed 3 days ago
Commonwealth Bank Low Fee Credit Card
Overall 7/10
Quality and consistency

Commonwealth is stable, secure and supportive. In some respects they are slightly more expensive, but it's because they are a superior product

Read full review

Commonwealth is stable, secure and supportive. In some respects they are slightly more expensive, but it's because they are a superior product

Price
7/10
Features
8/10
Customer service
7/10
Convenience
7/10
Trust
7/10
Less
Candy, Queensland, reviewed 3 days ago

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