New Customer Credit Card Offers

Compare new customer credit card offers, which banks use to attract new customers. These promotions may feature waived annual fees, lower interest rates, interest-free balance transfers, or sign-up bonuses.

Andrew Boyd avatar
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Updated 8 Sep 2025   |   Rates updated regularly

Comparing of 6 new customer credit card offers

FeaturedApply by 30 September 2025
Latitude 28° Global Platinum Mastercard

On Latitude Financial Services' website

Latitude 28° Global Platinum Mastercard

3.3

Rewards program

Latitude Rewards

Points per $1 spent

N/A

Sign up bonus

$100.00

Annual fee

$0.00 for 1st year

Details

  • Limited-time offer for new customers: Earn up to $340 in Latitude Rewards when you apply and get approved by 30 September 2025. Get a bonus $100 in Latitude Rewards when you spend at least $1,000 in the first 3 months, plus unlock up to $240 in rewards every year on eligible local and overseas purchases. T&Cs apply.
  • Pay no annual fee in the first year*. Keep saving with ongoing annual fee waivers when you spend at least $12,000 each year.
  • There are no foreign transaction fees for purchases during travel or online shopping.
  • Get FREE access to airport lounges, food, drinks, and Wi-Fi if your flight is delayed for 2+ hours.


*T&C's, annual credit card fee (normally $96), and other charges apply. New customers only, must be approved by 30 September 2025. Minimum spend applies.

Pros & cons

Pros
  • Earn up to $340 in Latitude Rewards. New customers only.
  • Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
  • Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).
  • The $96 annual card fee will be waived for your first year for new and approved customers. To have your annual card fee waived in your second year, you must spend at least $12,000 on eligible purchases in your first year.
  • Save up to 10% on hotels on your next holiday when booking with Expedia, or Wotif.
  • The Flexiroam feature includes 3GB of free data every calendar year, plus a 15% discount on extra data purchases.
  • Comes with Purchase Protection and E-commerce insurance.
  • Add an additional cardholder at no extra cost.
  • It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay
Cons
  • A high purchase interest rate of 27.99% p.a.
  • The cash advance rate is high at 29.99% p.a., so it's best to avoid withdrawing cash with this card.
FeaturedApply by 30 November 2025
Latitude Low Rate Mastercard (1st Year No Annual Fee Offer)

On Latitude Financial Services' website

Latitude Low Rate Mastercard (1st Year No Annual Fee Offer)

Rewards program

N/A

Points per $1 spent

N/A

Sign up bonus

N/A

Annual fee

$0.00 for 1st year

Details

  • Limited time offer: Pay no annual card fee in the first year and save $69 when you apply and get approved by 30 November 2025 and make an eligible purchase within 90 days. T & C's apply.
  • Get 3% back in Latitude Rewards on recurring bill payments with participating utility, telco, and streaming services.
  • Add an additional cardholder at no extra cost.
  • Excludes any other offers.

Pros & cons

Pros
  • $0 annual card fee in the first year, when you make a purchase in the first 90 days, followed by a low ongoing fee of $69 per year
  • The ongoing purchase interest rate is 13.99% p.a., lower than many standard credit cards.
  • Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change). Any remaining balance at the end of the interest-free period will attract interest at the purchase rate (currently 13.99% p.a., subject to change).
  • Start using your card instantly with Apple Pay—no need to wait for the physical card to arrive.
  • Get Latitude Rewards when you shop in the merchant offers portal.
  • Get access to exclusive offers and discounts from hundreds of popular merchants.
  • Track and manage your card using the Latitude App.
  • It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
  • The standard cash advance rate is 29.99% p.a., which is on the higher side and typical for this type of transaction.
  • A 3% foreign exchange fee applies to overseas transactions.
  • The late payment fee is $45.
FeaturedApply by 30 November 2025
Latitude Low Rate Mastercard (0% Purchase Offer)

On Latitude Financial Services' website

Latitude Low Rate Mastercard (0% Purchase Offer)

Rewards program

Latitude Rewards

Points per $1 spent

N/A

Sign up bonus

N/A

Annual fee

$69.00 p.a. ongoing

Details

  • Limited-time offer: Get 0% interest on general purchases for the first 9 months when you apply as a new customer by 30 November 2025. After that, a low ongoing rate of 13.99% applies
  • Earn 3% in Latitude Rewards on recurring payments with participating utilities, telco, and streaming services.
  • Add an additional cardholder at no extra cost.
  • Excludes any other offers.

Pros & cons

Pros
  • Earn Latitude Rewards when you shop in the merchant offers portal.
  • The ongoing purchase interest rate is 13.99% p.a., lower than many standard credit cards.
  • Get a 6.99% p.a interest rate on balance transfers for 12 months (3% transfer fee applies). If there is an outstanding balance after the plan period, interest will be charged at the cash advance rate, currently 29.99% (subject to change).
  • Get access to exclusive offers and discounts from hundreds of popular merchants.
  • Track and manage your card using the Latitude App.
  • It supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
Cons
  • Cash advances attract a high interest rate of 29.99% p.a.
  • A 3% foreign exchange fee applies to overseas transactions.
  • The late payment fee is $45.
Featured
Kogan Money Black Credit Card

On Kogan Money's website

Kogan Money Black Credit Card

4.4

Rewards program

Kogan Rewards

Points per $1 spent

1 Kogan Rewards point

Sign up bonus

$300.00

Annual fee

$0.00 p.a. ongoing

Details

  • Receive $400 Kogan.com Credit upon spending $3,000 on qualifying purchases within 90 days from card approval.
  • Earn 1 Qantas Point per $1 spent on eligible purchases. You must link your Qantas Frequent Flyer details to your Kogan FIRST membership account.
  • No annual fees, forever!
  • Free shipping on thousands of products, express shipping upgrades, and access to exclusive promos at Kogan.com and Dick Smith.
  • Plus, get $100 off your Kogan Energy bill with your FIRST membership.

Pros & cons

Pros
  • 0% p.a. for 6 months on Balance Transfers with no balance transfer fee. Reverts to 22.74% p.a after the promotional period.
  • Earn 2 reward points per $1 on eligible purchases at Kogan.com and 1 reward point per $1 on other eligible purchases.
  • Uncapped rewards.
  • Use your points to shop at Kogan.com (1,000 points equals $10 in credit).
  • Add up to 4 additional cardholders at no extra cost.
  • Compatible with Apple Pay and Google Pay.
  • Shop confidently with FRAUDSHIELD® and Visa Zero Liability, keeping your transactions secure.
Cons
  • Foreign transaction fee of $5 or 3.5% for domestic, $5 for international.
  • The ongoing cash advance rate is 22.74% p.a.
Featured
ING Orange One Rewards Platinum Credit Card

On ING's website

ING Orange One Rewards Platinum Credit Card

4.0

Rewards program

Cashback

Points per $1 spent

N/A

Sign up bonus

N/A

Annual fee

$149.00 p.a. ongoing

Details

  • Receive up to $30 cashback on your monthly spend (up to $360 annually).
  • Enjoy a 16.99% p.a. variable rate on purchases.
  • Secure low interest rates with instalments.
  • Includes complimentary travel insurance. Terms, conditions, limits, and exclusions apply.

Pros & cons

Pros

  • Get up to $30 cashback per month, up to $360 each year.
  • Relatively low interest rate of 16.99% p.a. on cash advances and purchases.
  • An instalment plan that helps lock up lower interest rate (9.99% p.a.).
Cons

  • Interest-free 45 days is lower than most cards offering up to 55 days.
  • You need an Orange Everyday account or open one to get this credit card.
  • A lot of requirements to become eligible for ATM fee rebates and foreign transaction fee waivers.
Featured
ING Orange One Low Rate Credit Card

On ING's website

ING Orange One Low Rate Credit Card

4.2

Rewards program

N/A

Points per $1 spent

N/A

Sign up bonus

N/A

Annual fee

$48.00 p.a. ongoing

Details

  • Get a low 12.99% p.a. variable rate on purchases.
  • A $48 annual fee helps keep ongoing costs low.
  • Avoid ING international transaction fees by depositing at least $1,000 a month into your ING accounts (excluding Living Super and Orange One) and making 5+ settled card purchases.

Pros & cons

Pros
  • Competitively low interest rate of 12.99% p.a. on purchases and cash advances.
  • Variable 9.99% p.a. on instalments.
  • Add a cardholder for $10 p.a.
  • Compatible with Apple Pay and Google Pay.
Cons
  • Additional cardholder comes at a cost.
  • Maximum credit limit of $5,999.

New customer credit card offers are special promotions and incentives provided by banks and financial institutions to attract new clients. These offers may include waived annual fees, lower interest rates, higher rewards, or an interest-free balance transfer.

Understanding these offers, their terms and conditions, and how to choose the right card for you is important before signing up for a credit card.

New customers vs existing customer credit card offers

New customer credit card offers may include waived annual fees, lower interest rates, higher rewards, or interest-free balance transfers. Most banks do not make these introductory offers available to their existing customers.

Common terms, conditions and limitations to be aware of

When considering a new customer credit card offer, it is important to understand the terms, conditions, and limitations. These may include time limits on the offer, such as a promotional interest rate or waived annual fee, minimum spending criteria or balance transfer limits, credit score or income requirements, and restrictions on the type of account or card.

Help choosing a credit card with offers for a new customer

Unlock exclusive perks as a new customer - find the perfect credit card with tailored offers to kickstart your financial journey.

  • FAQs

  • Pros & cons

Why do banks limit some credit card offers to new customers only?

Banks provide these promotions and incentives to attract new customers and expand their customer base.

Which banks offer credit cards for new customers only?

Many banks and financial institutions in Australia offer credit cards specifically for new customers. Check the bank's website or speak with a representative to see if they have credit card promotions for new customers

What happens if an existing customer applies for a credit card for new customers?

Existing customers may not be eligible for new customer credit card offers and may be subject to different terms and conditions. It's advisable to speak with a bank or financial institution representative to see if you qualify for the offer or to explore other options.

Pros

Waived annual fees

New customer credit card offers may include waived annual fees, saving you money in the long run.

Lower interest rates on purchases

Some new customer credit card offers may include lower interest rates, making managing your finances easier.

Move debt to a lower interest rate

When used properly, a balance transfer introductory offer can cut your monthly expenses significantly and help you get out of debt.

Higher rewards

It's common for banks to attract new customers with hefty sign-up bonuses.

Cashback

Some new customer credit card offers may include higher rewards or cashback, providing additional benefits for using the card.

Cons

Limited time

Many new customer credit card offers have a limited time frame, after which the offer may expire.

Minimum spending requirements

A spending target may be specified, often within a limited period.

Balance transfer limits

Most banks only allow a certain percentage of the available credit to be used for a balance transfer.

Minimum requirements for credit score or income

Some new customer credit card offers may have credit score or income requirements that you must meet to qualify.

    As seen on

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