Best 0% Introductory Rate Credit Cards

Magnatolia on 26/12/2024 - 12:45
Last edited 26/12/2024 - 13:03 by 1 other user

Hi everyone, looking for the best recommendations for credit cards with reasonable interest rate, that have the best 0% introductory rate.

I currently have one with BankWest that was for 12 months at 12.99%. Looking to either get a second card or refinance the balance of the first card. Currently I can only see around 6 to 9 months at 0% for new purchases.

Any hidden gems that you know of?

Thanks!

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  AussieDeals on 26/12/2024 - 14:18

  Regarding refinancing/balance transferring the balance of the first card, NAB had the insane 32 months at 0% interest balance transfer deal with absolutely no upfront balance transfer fee at all which many took advantage of over the past few years (particularly if they had credit cards with no annual fee from NAB due to mortgage package or special offers).

  They've since replaced it with a crappier deal - 28 months at 0% interest but with an upfront 2% fee which is still better than a lot of other offers out there

  https://www.nab.com.au/personal/credit-cards/offers/0-for-28…

  Their credit card with the lowest annual fee currently is $30 per annum (Low Fee Card). But there have been offers for their Low-Rate VISA Credit Card with no annual fee for life in the past (if you are a customer and tick yes to receiving NAB marketing emails)

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  Eeples on 26/12/2024 - 19:55

  2% balance transfer fee is really good over 28 months but not so great over 9 months.

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  Magnatolia on 26/12/2024 - 23:52

  Thanks guys, that's great for a refinance, but I'm looking for ones that have 0% introductory rate on "new purchases" as in anything I purchase on the card for x months.

  Bank West had 12 months when I signed up a while back.

  Thanks!