Credit Cards with Interest Free Periods

$59 annual fee
Existing customers onlyCan I become an existing customer?
Offer
0 Westpac points
Up to 55 days interest-free period on purchases when the closing balance or monthly payment balance is paid in full by the due date.
Spend $7,000 in 210 days (~$1,000/mo)
$0 first year annual fee, $59 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. $350 cashback covers the $59 fee.

Read my analysis
$195 annual fee
Offer
80,000 NAB points
Up to 44 interest free days on purchases if the account is paid in full by the due date each month.
Spend $3,000 in 90 days (~$1,000/mo)
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$1,200 annual fee
Offer
150,000 Qantas points
6 months interest free on first eligible Qantas Purchase including flights, Qantas Club fees, gift vouchers, and Qantas Rewards Store purchases; not available for applications after 30 June 2025
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.

Est. profit $1,200
Read my analysis
Image of MyCard Prestige Velocity credit card
Velocity points
$700 annual fee
Offer
150,000 Velocity points
Up to 44 days interest-free on retail purchases.
Spend $12,000 in 90 days (~$4,000/mo)
Craig
Craig's Take

Tough spend — $133/day for 90 days. Average ongoing earn rate. High $700 fee — make sure you'll use the perks.

Est. profit $1,850
Read my analysis
Image of MyCard Premier Velocity credit card
Velocity points
$300 annual fee
Offer
110,000 Velocity points
Up to 44 days interest-free on retail purchases.
Spend $8,000 in 90 days (~$2,667/mo)
Craig
Craig's Take

Moderate spend — $89/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Est. profit $1,642
Read my analysis
Image of MyCard Rewards credit card
MyCard points
$199 annual fee
Offer
100,000 MyCard points
Up to 44 days interest-free on retail purchases.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Average ongoing earn rate.

Read my analysis
Image of MyCard Premier credit card
MyCard points
$300 annual fee
Offer
120,000 MyCard points
Up to 44 days interest-free on retail purchases.
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Read my analysis
$295 annual fee
Offer
75,000 Qantas points
Up to 44 interest-free days on purchases if the closing balance is paid in full by the due date. Interest-free periods do not apply if the closing balance is not fully paid.
Spend $2,500 in 90 days (~$833/mo)
Craig
Craig's Take

Easy $28/day spend to hit the bonus. Good ongoing earn rate. $100 cashback offsets the $295 fee.

Est. profit $1,005
Read my analysis
Image of MyCard Rewards Velocity credit card
Velocity points
$199 annual fee
Offer
60,000 Velocity points
Up to 44 days interest-free on retail purchases.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Poor ongoing earn rate.

Est. profit $821
Read my analysis
Image of MyCard Premier Qantas credit card
Qantas points
$350 annual fee
Offer
70,000 Qantas points
Up to 44 days interest-free on retail purchases.
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $770
Read my analysis
$749 annual fee
Offer
125,000 Qantas points
Up to 44 days interest-free on retail purchases.
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $749 fee.

Est. profit $1,351
Read my analysis
Image of MyCard Prestige credit card
MyCard points
$700 annual fee
Offer
250,000 MyCard points
Up to 44 days interest-free on retail purchases.
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $700 fee.

Read my analysis
$399 annual fee
No Qantas credit card in past 24 monthsCheck my eligibility
Offer
120,000 Qantas points
6 months interest free on first eligible Qantas Purchase across Qantas flights, Qantas Club fees, Qantas Gift Vouchers, and Qantas Marketplace for applications before 30 June 2025
Spend $5,000 in 90 days (~$1,667/mo)
$349 first year annual fee, $399 thereafter
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.

Est. profit $1,571
Read my analysis
$175 annual fee
Offer
70,000 Qantas points
Up to 55 days interest free on purchases if monthly payment balance is paid in full by due date.
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Average ongoing earn rate.

Est. profit $870
Read my analysis
$295 annual fee
Offer
90,000 Qantas points
Up to 55 days interest-free on purchases if monthly payment balance is paid in full by due date, excluding cash advances.
Spend $6,000 in 120 days (~$1,500/mo)
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Good ongoing earn rate.

Est. profit $1,070
Read my analysis
$175 annual fee
Offer
70,000 Qantas points
Up to 45 days interest-free period on purchases when closing balance is paid in full by due date; excludes cash advances.
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Average ongoing earn rate.

Est. profit $870
Read my analysis
$175 annual fee
Offer
75,000 Westpac points
Up to 45 days interest-free period on purchases when closing balance or monthly payment balance is paid in full by due date; excludes cash advances.
Spend $3,000 in 90 days (~$1,000/mo)
$49 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$175 annual fee
Offer
75,000 Bank of Melbourne points
Up to 55 days interest free on purchases if monthly payment balance is paid in full by due date.
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 St.George Amplify points
Up to 55 days interest free on purchases if monthly payment balance is paid in full by due date. Interest free days do not cover cash advances.
Spend $12,000 in 365 days (~$986/mo)
$99 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.

Read my analysis
St.George Amplify points
$175 annual fee
Offer
75,000 St.George Amplify points
Up to 55 days interest free on purchases if monthly payment balance is paid in full by due date.
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Qantas points
Up to 45 days interest-free period on purchases when closing balance or monthly payment balance is paid in full by due date; excludes cash advances.
Spend $6,000 in 120 days (~$1,500/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Good ongoing earn rate.

Est. profit $1,165
Read my analysis
Craig

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— Craig