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0% Purchase Credit Cards

Want to buy yourself something special or have big expenses coming up? With a 0% purchase credit card, you can spend now and pay no interest on purchases for up to 15 months. We help you calculate how much you could save, so finding the best 0% purchase credit card is easier than ever.

Simply enter how much you plan to plan to spend in the first month, your current annual fee and interest rate, and look at the savings column to discover how much you can save on interest charges by switching to a new card.

Purchase amount

The total of the large purchases you intend to make within the first month. We will use this value to calculate your potential savings.

$
$ 5000
Current annual fee

The annual fee for your current credit card. We will assume closure of your current card and calculate your current card fee in the savings column.

$
Current interest rate

The interest rate you are currently paying on your balance. This will be used to calculate your potential savings.

% p.a.
Bank

Filter to select which banks you would like to see cards from.

Purchase Rate

The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Savings

Savings is an estimate of the amount saved on interest charges and annual fees during the interest-free period, as a result of making a purchase on a 0% purchase card, rather than on your existing card.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as the annual fee, along with the following assumptions:
• The purchase amount is incurred in the first month
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

More info links to a detailed product page on our site.

NAB Low Fee Platinum Card

NAB Low Fee Platinum Card
Balance Transfer credit card
0% Purchase credit card

NAB Low Fee Platinum Card

Savings
$867
over 15 months
Low Annual Fee credit card with complimentary travel and purchase insurance and access to NAB's 24/7 concierge service.
Purchase Rate

The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

0% for
15 months
reverts to
19.74% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
6 months
reverts to
21.74% p.a.
Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$180
$90 p.a.
annual fee
$867
over 15 months
save

Bankwest Breeze Classic Mastercard®

Bankwest Breeze Classic Mastercard®
Balance Transfer credit card
0% Purchase credit card
Low Interest credit card

Bankwest Breeze Classic Mastercard®

Savings
$831
over 15 months
Bankwest's lowest ongoing purchase rate offer with 0% p.a. on purchases for 15 months, plus 2.99% on balance transfers for up to 9 months. (0% transfer fee)
Purchase Rate

The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

0% for
15 months
reverts to
12.99% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

2.99% for
9 months
reverts to
12.99% p.a.
Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$158
$79 p.a.
annual fee
$831
over 15 months
save

Bankwest Breeze Platinum Mastercard®

Bankwest Breeze Platinum Mastercard®
Balance Transfer credit card
0% Purchase credit card
Low Interest credit card

Bankwest Breeze Platinum Mastercard®

Savings
$790
over 15 months
Shop overseas and save with no foreign transaction fees. This card matches Bankwest's great purchase offer with 0% p.a. on purchases for up to 15 months and also offers 2.99% on balance transfers for up to 9 months with no balance transfer fee. Offer includes complimentary overseas travel insurance.
Purchase Rate

The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

0% for
15 months
reverts to
12.99% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

2.99% for
9 months
reverts to
12.99% p.a.
Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$198
$99 p.a.
annual fee
$790
over 15 months
save

Commonwealth Bank Low Fee Gold Credit Card

Commonwealth Bank Low Fee Gold Credit Card
Offer ends 28 Oct 2020
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card

Commonwealth Bank Low Fee Gold Credit Card

Savings
$741
over 15 months
Get 0% p.a. on purchases for up to 15 months with Commbank's Low Fee Gold credit card. Enjoy $0 annual fee in the first year and subsequent years when you spend at least $10,000.
Offer includes:
  • Travel Insurance
  • Purchase Insurance
  • Priceless Cities offers and experiences
Purchase Rate

The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

0% for
15 months
reverts to
19.74% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

5.99% for
5 months
reverts to
21.24% p.a.
Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$89
$0 first annual
fee, then $89
$741
over 15 months
save

Bank of Melbourne Amplify Platinum - Amplify Offer

Bank of Melbourne Amplify Platinum - Amplify Offer
Offer ends 30 Sep 2020
Rewards credit card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card

Bank of Melbourne Amplify Platinum - Amplify Offer

Savings
$489
over 7 months
Save with 0% p.a. on balance transfers for up to 22 months (1.5% balance transfer fee applies) and 0% p.a. on purchases for up to 7 months and no annual fee for the first year with Bank of Melbourne's Amplify Platinum card. Offer includes complimentary extended warranty insurance on purchases for up to 12 months and earn quicker with an additional card holder at no extra cost.
Purchase Rate

The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

0% for
7 months
reverts to
19.74% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
22 months
reverts to
21.49% p.a.
Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$0
$0 first annual
fee, then $99
$489
over 7 months
save

Bank of Melbourne Vertigo Card

Bank of Melbourne Vertigo Card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card
Low Interest credit card

Bank of Melbourne Vertigo Card

Savings
$489
over 7 months
Save on interest with 0% p.a. on new purchases for up to 7 months or take advantage of 0% p.a. on balance transfers for up to 22 months with Bank of Melbourne's Vertigo credit card (1.5% balance transfer fee applies). With no annual fee for the first year and a low 13.99% p.a. interest rate on purchases with a 55 day interest free period, this is a good option for those looking for a low-cost every-day card.
Purchase Rate

The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

0% for
7 months
reverts to
13.99% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
22 months
reverts to
21.49% p.a.
Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$0
$0 first annual
fee, then $55
$489
over 7 months
save

Bank SA Amplify Platinum - Amplify Offer

Bank SA Amplify Platinum - Amplify Offer
Offer ends 30 Sep 2020
Rewards credit card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card

Bank SA Amplify Platinum - Amplify Offer

Savings
$489
over 7 months
Save with 0% p.a. on balance transfers for up to 22 months (1.5% balance transfer fee applies) and 0% p.a. on purchases for up to 7 months and no annual fee for the first year with Bank SA's Amplify Platinum card. Offer includes complimentary extended warranty insurance on purchases for up to 12 months and earn quicker with an additional card holder at no extra cost.
Purchase Rate

The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

0% for
7 months
reverts to
19.74% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
22 months
reverts to
21.49% p.a.
Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$0
$0 first annual
fee, then $99
$489
over 7 months
save

Bank SA Vertigo Card

Bank SA Vertigo Card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card
Low Interest credit card

Bank SA Vertigo Card

Savings
$489
over 7 months
Save on interest with 0% p.a. on new purchases for up to 7 months or take advantage of 0% p.a. on balance transfers for up to 22 months with Bank SA's Vertigo credit card (1.5% balance transfer fee applies). With no annual fee for the first year and a low 13.99% p.a. interest rate on purchases with a 55 day interest free period, this is a good option for those looking for a low-cost every-day card.
Purchase Rate

The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

0% for
7 months
reverts to
13.99% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
22 months
reverts to
21.49% p.a.
Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$0
$0 first annual
fee, then $55
$489
over 7 months
save

St.George Amplify Platinum - Amplify Offer

St.George Amplify Platinum - Amplify Offer
Offer ends 30 Sep 2020
Rewards credit card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card

St.George Amplify Platinum - Amplify Offer

Savings
$489
over 7 months
Save with 0% p.a. on balance transfers for up to 22 months (1.5% balance transfer fee applies) and 0% p.a. on purchases for up to 7 months and no annual fee for the first year with the St.George Amplify Platinum card. Offer includes complimentary extended warranty insurance on purchases for up to 12 months and earn quicker with an additional card holder at no extra cost.
Purchase Rate

The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

0% for
7 months
reverts to
19.74% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
22 months
reverts to
21.49% p.a.
Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$0
$0 first annual
fee, then $99
$489
over 7 months
save

St.George Vertigo Card

St.George Vertigo Card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card
Low Interest credit card

St.George Vertigo Card

Savings
$489
over 7 months
Save on interest with 0% p.a. on new purchases for up to 7 months or take advantage of 0% p.a. on balance transfers for up to 22 months with St.George's Vertigo credit card (1.5% balance transfer fee applies). With no annual fee for the first year and a low 13.99% p.a. interest rate on purchases with a 55 day interest free period, this is a good option for those looking for a low-cost every-day card.
Purchase Rate

The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

0% for
7 months
reverts to
13.99% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
22 months
reverts to
21.49% p.a.
Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$0
$0 first annual
fee, then $55
$489
over 7 months
save

NAB Rewards Signature Card

NAB Rewards Signature Card
Rewards credit card
Balance Transfer credit card
0% Purchase credit card

NAB Rewards Signature Card

Savings
$457
over 15 months
NAB's highest NAB Rewards earning card. Redeem sooner with 90,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and an additional 30,000 bonus points when after your 12 month anniversary. Card includes travel & purchase insurance. (conditions & eligibility criteria apply)
Purchase Rate

The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

0% for
15 months
reverts to
19.99% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
6 months
reverts to
21.74% p.a.
Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$590
$295 p.a.
annual fee
$457
over 15 months
save

NAB Low Fee Card

NAB Low Fee Card
Balance Transfer credit card
0% Purchase credit card

NAB Low Fee Card

Savings
$356
over 6 months
No Frills Low Fee Credit Card with included 0% p.a. on purchases for up to 6 months with a low $500 minimum credit limit. Includes purchase protection and Visa Entertainment offers.
Purchase Rate

The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

0% for
6 months
reverts to
19.74% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
6 months
reverts to
21.74% p.a.
Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$30
$30 p.a.
annual fee
$356
over 6 months
save

NAB Low Rate Card

NAB Low Rate Card
Balance Transfer credit card
0% Purchase credit card
Low Interest credit card

NAB Low Rate Card

Savings
$327
over 6 months
Pay 0% Interest on either balance transfer or purchases for up to 6 months with NAB's Low Rate credit card. Includes a low annual fee of $59 and a great ongoing 12.99% p.a. purchase rate.
Purchase Rate

The promotional purchase rate offer refers to the interest rate applied to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

0% for
6 months
reverts to
12.99% p.a.
Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
6 months
reverts to
21.74% p.a.
Total Fees

Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$59
$59 p.a.
annual fee
$327
over 6 months
save

Frequently asked questions

What is a 0% purchase rate?

The 0% purchase rate, or a promotional purchase rate, is an introductory interest rate applied to your purchases for a certain period of time. As this is an introductory offer, after the promotional period ends, the interest rate will revert to the indicated purchase rate and standard interest-free period of the card.

What is a balance transfer?

Some 0% purchase cards are bundled with balance transfer offers. A balance transfer rate is the interest rate applied to your balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Note, balance transfer restrictions and conditions may apply.

What is included in the Compare the Card total fees calculation?

Total annual fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

How does Compare the Card calculate savings?

The savings are estimated based on the amount that may be saved on interest charges and annual fees during the interest-free period, as a result of making a large purchase on a 0% purchase card, rather than on your existing card.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as the annual fee, along with the following assumptions:
• The purchase amount is incurred in the first month
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded

Remember, estimates are based on our assumptions above and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms of Use for more information.

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