Credit Cards

Compare 0% Purchase Credit Cards

Compare 0% purchase credit cards and benefit from the free use of credit. If handled correctly these cards can be the most cost effective form of borrowing available, perfect for spreading the cost of large purchases.

Purchases
Card Issuer Balance Transfers Purchases Std APR p.a. Annual Fee Apply
Rate Duration Rate Duration
Westpac Low Rate Card Westpac Low Rate Card
 0% 6 mths 0% 6 mths 13.49% $45 Apply > More Info
ANZ Platinum ANZ Platinum
**Special offer** 6 months 0% on Balance Transfers & Purchases only available until 13 March 2012. 		0% 6 mths 0% 6 mths 19.24% No Annual Fee in 1st Yr, then $87 if spend below $20k Apply > More Info
Westpac 55 Day Classic Card Westpac 55 Day Classic Card
 3.99% 6 mths 0% 5 mths 19.59% No Annual Fee in 1st Yr, then $30 Apply > More Info
Virgin Flyer Card Virgin Flyer Card
Buy 1 seat and get 1 complimentary seat on up to 4 domestic flights per year & Earn Velocity Points		 1.9% 12 mths N/A N/A 20.99% $99 Apply > More Info
ANZ First Card ANZ First Card
*Special offer** 3 months 0% on balance transfers and Purchases only available until 13 March 2012. Plus, 12 month Extended warranty on manufactures, 90-day purchase security insurance against loss, theft or breakage.		 0% 3 mths 0% 3 mths 19.24% $30 Apply > More Info
ANZ Low Rate Card ANZ Low Rate Card
*Special offer** 3 months 0% on balance transfers and Purchases only available until 13 March 2012. 		0% 3 mths 0% 3 mths 13.24% $58 Apply > More Info
Citibank Clear Platinum Citibank Clear Platinum
Get complimentary international travel insurance, purchase cover and extended warranty insurance		 2.9% 12 mths N/A N/A 11.99% $99 - $50 off in 1st year = $49 Apply > More Info
Bankwest Breeze MasterCard Bankwest Breeze MasterCard
10% cashback at department stores, grocery stores & eating out for 3 months. 12 months extra warranty - If you find cheaper within 21 days, claim the difference.		 5.99% 12 mths N/A N/A 10.99% $59 Apply > More Info
Bankwest Zero Gold MasterCard Bankwest Zero Gold MasterCard
Get automatic purchase protection & built in international travel insurance		 5.99% 9 mths 5.99% 9 mths 17.99% Free For Life Apply > More Info
Amex Platinum Edge Amex Platinum Edge
Receive a domestic economy return flight with Virgin Australia each membership year! You must make a purchase to start the 6 months 0% purchase period.		 N/A N/A 0% 6 mths 20.74% $149 Apply > More Info

Westpac Low Rate Card

Low Rate Card

Introductory Offer

Balance Transfer Rate:
0% for 6 mths
Balance Transfer Fee:
N/A
Purchase Rate:
0% for 6 mths

Typical APR

Purchases:
13.49% p.a.
Balance Transfers:
13.49% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
$45

Standard Features

Interest Free Days:
55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over ,000.pa

ANZ Platinum

Platinum

Introductory Offer

Balance Transfer Rate:
0% for 6 mths
Balance Transfer Fee:
N/A
Purchase Rate:
0% for 6 mths

Typical APR

Purchases:
19.24% p.a.
Balance Transfers:
19.24% p.a.
Cash Advance:
20.99% p.a.
Annual Fee:
No Annual Fee in 1st Yr, then $87 if spend below $20k

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over ,000.pa

Westpac 55 Day Classic Card

55 Day Classic Card

Introductory Offer

Balance Transfer Rate:
3.99% for 6 mths
Balance Transfer Fee:
N/A
Purchase Rate:
0% for 5 mths

Typical APR

Purchases:
19.59% p.a.
Balance Transfers:
19.59% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
No Annual Fee in 1st Yr, then $30

Standard Features

Interest Free Days:
55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over ,000.pa

Virgin Flyer Card

Flyer Card

Introductory Offer

Balance Transfer Rate:
1.9% for 12 mths
Balance Transfer Fee:
N/A
Purchase Rate:
N/A

Typical APR

Purchases:
20.99% p.a.
Balance Transfers:
20.99% p.a.
Cash Advance:
20.99% p.a.
Annual Fee:
$99

Standard Features

Credit Limit:
,000 - 0,000
Interest Free Days:
44 days
Online Banking:
Yes

Approval Criteria

  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of 000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

ANZ First Card

First Card

Introductory Offer

Balance Transfer Rate:
0% for 3 mths
Balance Transfer Fee:
N/A
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
19.24% p.a.
Balance Transfers:
19.24% p.a.
Cash Advance:
20.99% p.a.
Annual Fee:
$30

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
44 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over ,000.pa

ANZ Low Rate Card

Low Rate Card

Introductory Offer

Balance Transfer Rate:
0% for 3 mths
Balance Transfer Fee:
N/A
Purchase Rate:
0% for 3 mths

Typical APR

Purchases:
13.24% p.a.
Balance Transfers:
13.24% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
$58

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over ,000.pa

Citibank Clear Platinum

Clear Platinum

Introductory Offer

Balance Transfer Rate:
2.9% for 12 mths
Balance Transfer Fee:
N/A
Purchase Rate:
N/A

Typical APR

Purchases:
11.99% p.a.
Balance Transfers:
21.74% p.a.
Cash Advance:
21.74% p.a.
Annual Fee:
$99 - $50 off in 1st year = $49

Standard Features

Credit Limit:
,000
Interest Free Days:
55 days
Online Banking:
No

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over ,000.pa
  • You have not applied and been declined for another Citibank product in the last 9 months
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Bankwest Breeze MasterCard

Breeze MasterCard

Introductory Offer

Balance Transfer Rate:
5.99% for 12 mths
Balance Transfer Fee:
N/A
Purchase Rate:
N/A

Typical APR

Purchases:
10.99% p.a.
Balance Transfers:
10.99% p.a.
Cash Advance:
21.99% p.a.
Annual Fee:
$59

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Earned Taxable Income of over ,000.pa

Bankwest Zero Gold MasterCard

Zero Gold MasterCard

Introductory Offer

Balance Transfer Rate:
5.99% for 9 mths
Balance Transfer Fee:
N/A
Purchase Rate:
5.99% for 9 mths

Typical APR

Purchases:
17.99% p.a.
Balance Transfers:
17.99% p.a.
Cash Advance:
16.99% p.a.
Annual Fee:
Free For Life

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Earned Taxable Income of over ,000.pa

Amex Platinum Edge

Platinum Edge

Introductory Offer

Balance Transfer Rate:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
0% for 6 mths

Typical APR

Purchases:
20.74% p.a.
Balance Transfers:
20.74% p.a.
Cash Advance:
20.74% p.a.
Annual Fee:
$149

Standard Features

Credit Limit:
Unlimited
Interest Free Days:
55 days
Online Banking:
Yes

Approval Criteria

  • You are over 18 years of age.
  • You have a good credit history.
  • You have an annual Income of ,000 p.a. or more.
  • You are a permanent resident/citizen of Australia.
  • If Self Employed you have been trading for at least 18 months or 12 months if you hold an existing American Express-issued Card.

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0% Purchases Credit Cards Explained

What are 0% purchases transfer credit cards?

In an attempt to win your custom, credit card companies compete through various introductory offers. Initially, this was based on balance transfers, but more recently this has grown to include reduced interest on purchases for a period of time.

How long do offers last on 0% purchases credit cards?

The duration of 0% introductory offers varies between 3 months to, in some cases, 6 months. Card companies revise these offers frequently, so it is worth coming back to creditcard4u.com.au when your existing offer is about to expire, and check out the latest offers.

What are the catches with 0% purchases credit cards?

Credit card companies are out to make money. The idea behind 0% purchases offers is that they encourage you to buy goods and build up a balance which then starts incurring interest when the 0% introductory offer ends. Although you are not being charged interest on the amount you spend within the introductory period, you must still make the minimum payment every month (usually around 3-5% of your balance).

A 0% introductory period does not mean that you are exempt from all payments, and a late payment could lead to a charge. A good way to avoid this is to set up a direct debit for the minimum payment. You can always pay off more if you choose to.

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