How do I get the best 0 interest credit card in Australia?
To get the best zero interest credit card that suits you best, you should visit the bank's website to compare interest-free periods, fees, rewards, and other features of different credit cards. Check the eligibility criteria for each card.
Apply online through the issuer's website or visit a branch if preferred. Use the card responsibly by paying off your balance within the interest-free period and avoiding unnecessary fees or charges.
What documents are required to get zero interest credit card?
You generally need to provide the following documents and information:
- Identification documents (like Australian driver's license or passport)
- Income Verification (recent payslips, employment details)
- Residential Address (utility bills, mortgage statement)
- Financial Details (other loans, credit cards, bank statements)
- Additional Information (assets, liabilities, and financial goals)
What does a 12 month interest free credit card mean?
A 12-month interest-free credit card offers an introductory period during which no interest is charged on either purchases, balance transfers, or both, depending on the card's terms. You can find interest-free credit cards in Australia at the following banks: Bankwest Breeze Platinum Mastercard, St.George Vertigo Platinum, Westpac Low Rate Card.
What are the best 6 months interest free credit cards in Australia?
Here are some credit cards in Australia offering competitive 0% interest on purchases for up to 6 months: Citi Simplicity Card, Bankwest Zero Platinum Mastercard, HSBC Platinum Qantas Credit Card, American Express Essential Credit Card, NAB StraightUp Card.
Who offers 18 month interest free credit card in Australia?
You can count on St.George Vertigo Card, Citi Double Cash Card and MoneyMe Freestyle Virtual Mastercard.
What are the best 24 months interest free credit cards in Australia?
You should consider St.George Vertigo Platinum Card, Bankwest Breeze Mastercard, and Citi Rewards Card.
As an alternative, you can also take out a personal loan. Your possible expenses:
Personal loan calculations for 1 year (example)
| Amount, $ | Rate, % | Accrued %, $ |
| 5,000 | 9.00% | 244 |
| 5,000 | 16.00% | 433 |
| 5,000 | 23.00% | 623 |
| 10,000 | 9.50% | 515 |
| 10,000 | 15.50% | 840 |
| 10,000 | 13.50% | 731 |
| 20,000 | 10.00% | 1,083 |
| 20,000 | 17.00% | 1,842 |
| 20,000 | 23.80% | 2,578 |
| 30,000 | 10.50% | 1,706 |
| 30,000 | 17.50% | 2,844 |
| 30,000 | 24.50% | 3,981 |
Are there 36-month or 60-month interest free credit cards? What is the longest interest free period?
Finding a credit card with a 36-month interest-free period is quite rare in Australia, as most credit cards offer interest-free periods up to 28 months for balance transfers.
What does 55 days interest free mean on a credit card?
It typically means that you have a grace period of 55 days from the date of your purchase to pay off the balance without incurring any interest charges. This period usually starts from the statement date.
Do zero-interest credit cards offer rewards in Australia?
Yes, such cards often come with rewards programs because a cardholder usually can get a variety of rewards such as: Frequent Flyer Points, Cashback, Gift Cards and Merchandise, Travel Benefits.
However, note that such bonuses may be capped, and cards with maximum benefits may have both an interest rate and a service fee.
You can also see the similar FAQ about Australian banks at the links:
- How do I activate my card from Suncorp?
- How do I activate my card in St. George Bank?
- How do I apply for my NAB credit limit increase?
- How do I check my Commonwealth Bank credit card application status?
- How do I close my credit card in CBA?
Details of companies offering the financial services:
ANZ Bank
Head office’s address: 833 Collins Street
Contact center: 13-13-14
Phone: 61-3-9683-9999
Mail address: 833 Collins Street Docklands, Melbourne
Web-site: http://www.anz.com
Swift code: ANZBAU3M
Financial institution code: ANZ
Stock code: ANZ
ABN: 11 005 357 522
BSB: 015-891
ANZ Bank
Head office’s address: 833 Collins Street
Contact center: 13-13-14
Phone: 61-3-9683-9999
Mail address: 833 Collins Street Docklands, Melbourne
Web-site: http://www.anz.com
Swift code: ANZBAU3M
Financial institution code: ANZ
Stock code: ANZ
ABN: 11 005 357 522
BSB: 015-891
Bank Australia
Head office’s address: 222 High Street
Contact center: 61-132888
Phone: 61-3-9854-4666
Mail address: Bank Australia Locked Bag 2035, Collingwood VIC 3066 Australia
Web-site: https://bankaust.com.au/personal
ABN: 21 087 651 607
BSB: 313 140
Bank of Melbourne
Head office’s address: 525 Collins Street
Contact center: 61-132266
Phone: 61-3-9982-4186
Mail address: 525 Collins Street Melbourne
Web-site: https://www.bankofmelbourne.com.au/
Swift code: SGBLAU2S
ABN: 33 007 457 141
BSB: 193-879
Bendigo and Adelaide Bank
Head office’s address: The Bendigo Centre
Contact center: 1-300-361-911
Phone: 61-2-8023-5417
Mail address: The Bendigo Centre PO Box 480 Bendigo Vic 3552
Web-site: http://www.bendigobank.com.au/
Swift code: BENDAU3B
Stock code: BEN
ABN: 11 068 049 178
BSB: 633-300
CommBank
Head office’s address: 201 Sussex Street
Contact center: 13-22-21
Phone: 61-2-8055-4001
Mail address: Level 10, Tower One, Darling Park, 201 Sussex Street
Web-site: https://www.commbank.com.au/
Swift code: CTBAAU2S
Stock code: CBA
ABN: 48 123 123 124
Community First Credit Union
Head office’s address: 67-73 St Hilliers Rd
Phone: +61-1300-132-277
Mail address: 67-73 St Hilliers Rd, Auburn NSW 2144
Web-site: https://www.communityfirst.com.au
ING Bank
Head office’s address: 60 Margaret St
Contact center: 61-2-9028-4077
Mail address: 60 Margaret St, Sydney NSW 2000
Web-site: http://www.ingdirect.com.au/
Swift code: INGBAU2S
Financial institution code: ING
ABN: 24 000 893 292
BSB: 923-100
NAB
Head office’s address: 800 Bourke Street
Contact center: 13-22-65
Phone: 61-3-8566-7023
Mail address: Level 4, 800 Bourke Street, Docklands, VIC
Web-site: http://www.nab.com.au/
Swift code: NATAAU3303M
Financial institution code: NAB
Stock code: NAB
BSB: 086-027
NAB
Head office’s address: 800 Bourke Street
Contact center: 13-22-65
Phone: 61-3-8566-7023
Mail address: Level 4, 800 Bourke Street, Docklands, VIC
Web-site: http://www.nab.com.au/
Swift code: NATAAU3303M
Financial institution code: NAB
Stock code: NAB
BSB: 086-027
St. George Bank
Head office’s address: 275 Kent Street
Contact center: 13-33-30
Phone: 61-2-9553-5333
Mail address: St.George Bank Locked Bag 1 Kogarah NSW 1485
Web-site: http://www.stgeorge.com.au/
Swift code: SGBLAU2S
Financial institution code: STG
Stock code: SGB
ABN: 33 007 457 141
BSB: 112-908
Westpac Bank
Head office’s address: 275 Kent Street
Contact center: 13-20-32
Phone: 61-2-9155-7700
Mail address: 275 Kent Street, Sydney, NSW
Web-site: https://www.westpac.com.au/
Swift code: WPACAU2S
Financial institution code: WBC
Stock code: WBC
ABN: 33 007 457 141
BSB: 032-063