Credit Cards with Interest Free Periods
Westpac Low Rate Card (Existing Customers)
Westpac points
$59 annual fee
OfferExisting Customers
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
$0 first year annual fee, $59 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. $350 cashback covers the $59 fee.
Read my analysis
NAB Rewards Platinum Card
NAB points
$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
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Qantas Premier Titanium
Qantas points
$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
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
Qantas Premier Platinum (No Qantas Points Credit Card for previous 24 months)
Qantas points
$399 annual fee
OfferNo Qantas CC 24mo
100,000 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
$349 first year annual fee, $399 thereafter
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.
Est. profit $1,251
Read my analysis Qantas Premier Platinum
Qantas points
$399 annual fee
Offer
60,000 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
$349 first year annual fee, $399 thereafter
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.
Est. profit $611
Read my analysis
ANZ Frequent Flyer Platinum
Qantas points
$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
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
St.George Amplify Platinum - Qantas
Qantas points
$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
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $870
Read my analysis
St.George Amplify Qantas Signature
Qantas points
$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
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,070
Read my analysis St.George Amplify Qantas Signature (Existing customers, through log in)
Qantas points
$295 annual fee
OfferExisting Customers
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
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
Read my analysis
St.George Amplify Rewards Signature
St.George Amplify points
$295 annual fee
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
$199 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)
Qantas points
$295 annual fee
OfferExisting Customers
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
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
Read my analysis Westpac Altitude Qantas Black
Qantas points
$295 annual fee
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
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,070
Read my analysis
Westpac Altitude Velocity Black
Velocity points
$295 annual fee
Offer
90,000 Velocity points
Up to 45 days interest-free period on purchases when the closing balance or monthly payment balance is paid in full by the due date. Cash advances are excluded.
Spend $6,000 in 120 days
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,160
Read my analysis Westpac Altitude Velocity Black (Existing customers)
Velocity points
$295 annual fee
OfferExisting Customers
90,000 Velocity points
Up to 45 days interest-free period on purchases when the closing balance or monthly payment balance is paid in full by the due date. Cash advances are excluded.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,255
Read my analysis
Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)
Velocity points
$175 annual fee
Offer
70,000 Velocity points
Up to 45 days interest-free period on purchases when the closing balance or monthly payment balance is paid in full by the due date. Cash advances are excluded.
Spend $4,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $1,016
Read my analysis Westpac Altitude Velocity Platinum
Velocity points
$175 annual fee
Offer
70,000 Velocity points
Up to 45 days interest-free period on purchases when the closing balance or monthly payment balance is paid in full by the due date. Cash advances are excluded.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $940
Read my analysis St.George Amplify Rewards Platinum (Existing customers, through log in)
St.George Amplify points
$175 annual fee
OfferExisting Customers
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
$49 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Westpac Altitude Qantas Platinum
Qantas points
$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
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $870
Read my analysis Westpac Altitude Qantas Platinum (Reduced first year annual fee for Westpac Customers)
Qantas points
$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
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $946
Read my analysis
Westpac Altitude Rewards Platinum
Westpac points
$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
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis Westpac Altitude Rewards Platinum (existing customers)
Westpac points
$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
$49 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Bank of Melbourne Amplify Rewards Platinum
Bank of Melbourne points
$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
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis St.George Amplify Rewards Signature (Existing customers, through log in)
St.George Amplify points
$295 annual fee
OfferExisting Customers
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
$99 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis St.George Amplify Platinum - Qantas (Existing customers, through log in)
Qantas points
$175 annual fee
OfferExisting Customers
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
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $946
Read my analysis St.George Amplify Rewards Platinum
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
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
NAB Rewards Platinum Card with Velocity
Velocity points
$195 annual fee
Offer
70,000 Velocity points
Up to 44 interest free days on purchases for both NAB Rewards Platinum and Signature Cards.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $995
Read my analysis Westpac Altitude Velocity Black (Velocity Bonus Offer)
Velocity points
$295 annual fee
Offer
120,000 Velocity points
Up to 45 days interest-free period on purchases when the closing balance or monthly payment balance is paid in full by the due date. Cash advances are excluded.
Spend $6,000 in 120 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,670
Read my analysis Westpac Altitude Velocity Black (Existing customers, Velocity Bonus Offer)
Velocity points
$295 annual fee
OfferExisting Customers
120,000 Velocity points
Up to 45 days interest-free period on purchases when the closing balance or monthly payment balance is paid in full by the due date. Cash advances are excluded.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,765
Read my analysis Westpac Altitude Velocity Platinum (Velocity Bonus Offer)
Velocity points
$175 annual fee
Offer
90,000 Velocity points
Up to 45 days interest-free period on purchases when the closing balance or monthly payment balance is paid in full by the due date. Cash advances are excluded.
Spend $4,000 in 90 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $1,280
Read my analysis Westpac Altitude Velocity Platinum (Reduced first year, Velocity Bonus Offer)
Velocity points
$175 annual fee
Offer
90,000 Velocity points
Up to 45 days interest-free period on purchases when the closing balance or monthly payment balance is paid in full by the due date. Cash advances are excluded.
Spend $4,000 in 90 days
$99 first year annual fee, $175 thereafter
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $1,356
Read my analysis NAB Rewards Platinum Card with Velocity (Velocity Bonus Offer)
Velocity points
$195 annual fee
Offer
80,000 Velocity points
Up to 44 interest free days on purchases for both NAB Rewards Platinum and Signature Cards.
Spend $4,000 in 90 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $44/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
Read my analysis
CommBank Smart Awards Credit Card (with $2,000 per month spend)
Commbank points
$0 annual fee
Offer
80,000 Commbank points
Up to 44 days interest-free on purchases.
Spend $6,000 in 150 days
Craig's Take
Easy $40/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis