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 5 Nov 2025   |   Rates updated regularly

Comparing of 10 new customer credit card offers

Featured
Bankwest Breeze Mastercard

On Bankwest's website

Bankwest Breeze Mastercard

3.6

Rewards program

N/A

Points per $1 spent

N/A

Sign up bonus

N/A

Annual fee

$49.00 p.a. ongoing

Details

  • Move your balance with 0% interest p.a. for 24 months, plus a 3% transfer fee. It then changes to 12.99% p.a.
  • Pay a low annual fee of $49 p.a., which keeps it budget-friendly.
  • Add up to three extra cardholders at no cost.

Pros & cons

Pros
  • Enjoy 0% interest p.a. on balance transfers for 24 months.
  • Keep purchase interest low at 12.99% p.a. ongoing.
  • Get up to 55 days interest-free on purchases.
  • Start with a credit limit from just $1,000.
  • Lock your card easily through the Bankwest App if you need to.
  • Spread up to five purchases over four monthly payments at 0% interest with Easy Instalment Plans.
Cons
  • This card offers no rewards program.
  • Balance transfers include a 3% fee.
  • Foreign transactions attract a 2.95% fee.
Bankwest Breeze Platinum Mastercard

On Bankwest's website

Bankwest Breeze Platinum Mastercard

3.8

Rewards program

N/A

Points per $1 spent

N/A

Sign up bonus

N/A

Annual fee

$59.00 p.a. ongoing

Details

  • Move your balance with 0% interest p.a. for 24 months, plus a 3% transfer fee. After that, it shifts to 12.99% p.a.
  • Shop online or overseas without foreign transaction fees.
  • You and your family get free overseas travel insurance as a handy extra.

Pros & cons

Pros
  • Enjoy 0% interest p.a. on balance transfers for 24 months.
  • Keep ongoing purchase interest low at 12.99% p.a.
  • Pay a modest annual fee of $59 p.a.
  • Add up to three extra cardholders for free.
  • Get up to 55 days interest-free on purchases.
  • Start with a credit limit as low as $6,000.
  • Lock your card quickly if needed through the Bankwest App.
  • Spread up to five purchases over four monthly payments at 0% interest with Easy Instalment Plans.
Cons
  • This card has no rewards program.
  • Balance transfers come with a 3% fee.
  • Cash advances attract 21.99% interest p.a.
Bankwest Zero Platinum Mastercard

On Bankwest's website

Bankwest Zero Platinum Mastercard

3.0

Rewards program

N/A

Points per $1 spent

N/A

Sign up bonus

N/A

Annual fee

$0.00 p.a. ongoing

Details

  • Enjoy 0% interest per year for six months on purchases and balance transfers, with a 3% balance transfer fee. It then changes to 18.99% per year.
  • Pay no foreign transaction fees, even for online shopping from overseas stores.
  • Keep costs down with no annual fee for life.
  • Spread payments with Easy Instalments, putting up to five eligible purchases on an interest-free plan.
  • Start with a credit limit from at least $6,000.

Pros & cons

Pros
  • No annual fee suits this card for everyday or spare use.
  • Six months interest-free on purchases and balance transfers helps manage spending.
  • No foreign transaction fees on currency or overseas buys.
  • Make interest-free repayments on up to five eligible purchases through Easy Instalments.
  • Begin with a minimum credit limit of $6,000.
  • Get up to 55 days interest-free by paying your full statement balance.
  • Balance transfers switch to the purchase rate, not the higher cash advance rate.
  • Transfer up to 95% of your credit limit.
Cons
  • A 3% fee applies to balance transfers, which you can add to your balance.
  • This card does not earn rewards points, common for no-fee options.
  • Balance transfers need at least $500, though most users move more.
Apply by 17 November 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 deal for new customers. Apply and get approved by 17 November 2025 to earn up to $340 in Latitude Rewards. Spend $1,000 each month for the first three months to claim a bonus $100, and unlock up to $240 more each year on local and overseas purchases that qualify. Terms and conditions apply.
  • No annual fee in your first year. From year two, keep it waived by spending at least $12,000 on eligible purchases each year. The standard annual fee is $96, with other charges and terms that apply. This offer is for new customers only, and you must meet the minimum spend.
  • Shop overseas or online without foreign transaction fees.
  • If your flight delays by two hours or more, enjoy free access to airport lounges with food, drinks and Wi-Fi.

Pros & cons

Pros
  • New customers can earn up to $340 in Latitude Rewards.
  • Begin spending right away with Apple Pay, before your physical card arrives.
  • Transfer balances at 6.99% interest p.a. for 12 months, with a 3% fee. Any remaining balance after that attracts the cash advance rate of 29.99% p.a., which could change.
  • Your first-year $96 annual fee gets waived for new approved customers. Spend $12,000 on eligible purchases in year one to waive it for year two.
  • Save up to 10% on hotel bookings through Expedia or Wotif for your next trip.
  • Get 3GB of free data each calendar year with Flexiroam, plus 15% off extra data.
  • Stay protected with purchase and e-commerce insurance.
  • Add an extra cardholder at no cost.
Cons
  • Purchases attract a high interest rate of 27.99% p.a.
  • Cash advances cost 29.99% p.a., so steer clear of them.
Bankwest Qantas Platinum Mastercard

On Bankwest's website

Bankwest Qantas Platinum Mastercard

3.8

Rewards program

Qantas Frequent Flyer

Points per $1 spent

0.60 points

Sign up bonus

80,000 points

Annual fee

$199.00 p.a. ongoing

Details

  • Start strong with up to 80,000 bonus Qantas Points. Spend $7,500 on eligible purchases in the first 90 days and keep your card open for over 15 months to claim them. This is a limited-time deal for new customers only, with terms and conditions that apply.
  • Earn 0.6 Qantas Points for every dollar on your first $2,500 spent each month on eligible purchases, then 0.3 points per dollar after that.
  • Enjoy free overseas travel insurance for you and your family when you book flights using this card.
  • Pay no foreign transaction fees on purchases made online or overseas.

Pros & cons

Pros
  • Grab 80,000 bonus Qantas Points once you meet the criteria.
  • Get extra cover with extended warranty and purchase security insurance, where conditions apply.
  • Build Qantas Points without any cap.
  • Save $99.50 on a free Qantas Frequent Flyer membership that comes with the card.
  • Transfer balances at 2.99% p.a. for nine months, with 0% transfer fee.
  • Add up to three extra cards at no cost.
  • Set up easy instalment plans at 0% interest.
Cons
  • Some other rewards cards give higher points per dollar.
  • The $199 yearly fee has no waiver option.
  • Cash advances cost 21.99% p.a.
  • Purchases get up to 44 days interest-free.
Apply by 12 January 2026
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

  • New customers can take advantage of this limited-time deal. Apply and get approved by 12 January 2026, then make an eligible purchase within 90 days to skip the annual card fee in your first year and save $69. Terms and conditions apply.
  • Earn 3% back in Latitude Rewards on regular bill payments to selected utilities, telco providers and streaming services.
  • Add one extra cardholder at no cost.
  • This offer cannot combine with any others.

Pros & cons

Pros
  • Pay no annual card fee in your first year if you make a purchase within 90 days, then just $69 each year after that.
  • Enjoy a low ongoing purchase interest rate of 13.99% p.a., which beats many standard cards.
  • Transfer balances at 6.99% interest p.a. for 12 months, with a 3% fee. If any balance remains after this period, it attracts interest at the cash advance rate of 29.99% p.a., which may change. Any leftover balance at the end of an interest-free period switches to the purchase rate of 13.99% p.a., also subject to change.
  • Start spending straight away with Apple Pay, even before your physical card shows up.
  • Pick up Latitude Rewards when you shop through the merchant offers portal.
  • Keep track of your card easily with the Latitude App.
Cons
  • Cash advances attract a high interest rate of 29.99% p.a., common for this type of use.
  • Overseas transactions come with a 3% foreign exchange fee.
  • Late payments cost $45.
Apply by 12 January 2026
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

  • Get this limited-time deal for new customers. Apply by 12 January 2026 to enjoy 0% interest on everyday purchases for the first nine months. After that, it shifts to a low ongoing rate of 13.99% p.a.
  • Earn 3% back in Latitude Rewards on regular payments to selected utilities, telco providers and streaming services.
  • Add one extra cardholder for free.
  • This offer stands alone and cannot combine with others.

Pros & cons

Pros
  • Earn Latitude Rewards by shopping through the merchant offers portal.
  • Benefit from a low ongoing purchase rate of 13.99% p.a., better than many standard cards.
  • Transfer balances at 6.99% interest p.a. for 12 months, with a 3% fee. Any leftover balance after that attracts the cash advance rate of 29.99% p.a., which may change.
  • Stay on top of your spending with the easy-to-use Latitude App.
Cons
  • Cash advances hit you with a high 29.99% interest rate p.a.
  • Overseas transactions come with a 3% foreign exchange fee.
  • Miss a payment and face a $45 late fee.
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 point

Sign up bonus

$300.00

Annual fee

$0.00 p.a. ongoing

Details

  • Get started with a sign-up bonus when you spend $3,000 on eligible purchases in the first 90 days after approval, and you receive $400 credit to use at Kogan.com.
  • Enjoy no annual fee for life. This keeps costs low and simple, so you can focus on the benefits.
  • Unlock extra perks with your free Kogan FIRST membership. This includes free shipping on thousands of items at Kogan.com and Dick Smith, faster shipping options, and special deals just for members. You also get $100 off your first Kogan Energy bill.

Pros & cons

Pros
  • Move your balance with 0% interest p.a for 10 months, plus a 1% fee. After that, it reverts to 22.74% p.a.
  • Pick up 2 reward points for every $1 spent on eligible buys at Kogan.com, and 1 point per $1 on other eligible spending.
  • No limit on how many rewards you can earn.
  • Turn your points into value at Kogan.com, where 1,000 points give you $10 credit.
  • Add up to 4 extra cardholders for free.
  • Feel secure with FRAUDSHIELD® and Visa Zero Liability to protect your buys.
Cons
  • Foreign transaction fees apply: $5 or 3.5% on domestic, and $5 on international.
  • Cash advances come with an ongoing rate of 22.74% p.a.
ING Orange One Rewards Platinum Credit Card

On ING's website

ING Orange One Rewards Platinum Credit Card

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.
ING Orange One Low Rate Credit Card

On ING's website

ING Orange One Low Rate Credit Card

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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