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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.

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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.

ANZ Platinum

ANZ Platinum
0% Purchase credit card
No Annual Fee credit card

ANZ Platinum

Savings
$1196
over 17 months
0% p.a. for 17 months on purchases and $0 Annual Fee in First Year with an ANZ Platinum credit card.*

*Reverts to standard purchase rate, currently 20.24% p.a. after 17 months. In each subsequent year, standard Annual Fee (currently $87) applies. Eligibility criteria, T&Cs, fees and charges 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
17 months
reverts to
20.24% 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.

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.

$87
$0 first annual
fee, then $87
$1,196
over 17 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

ANZ First

ANZ First
0% Purchase credit card

ANZ First

Savings
$-51
over 12 months
Simple everyday credit card with low ongoing annual fee. 0% p.a. for 12 months on purchases and $30 back to your new ANZ First credit card. New Card. Reverts to standard purchase rate, (currently 20.24% p.a.) after 12 months. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $30).
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
12 months
reverts to
20.24% 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.

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
-$51
over 12 months
save