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The holiday season is upon us! Spending around this time of year can pile up with all the Secret Santa gifts, overseas holidays and Christmas parties. So, if you’re a serial spender and often have trouble paying off your credit card in full each month, you might like to consider an intro rate credit card.

Credit cards with an introductory purchase rate charge a very low rate on purchases for a limited number of months. For example, 0% p.a. for 12 months. After the initial period is up, any purchases made will be charged at the ongoing (and usually much higher) purchase rate.

The Credit Savvy Team have compiled a few intro rate cards below to get you started:

 

St.George Amplify Card

St.George Amplify Card

The St.George Amplify Card offers 0% p.a. interest on all purchases for 14 months when you apply and are approved for a new card by the 23rd of January 2019. The rate reverts to 19.49% p.a. after 14 months. You’ll also earn 1 Amplify point per $1 spent on all eligible purchases, uncapped. Or if you choose to enrol in the Qantas Frequent Flyer program, you’ll earn 0.5 Qantas Points per $1 spent on eligible purchases, uncapped.

Terms and conditions apply. Click here to find out more information.

If you’re located in VIC, check out the Bank of Melbourne Amplify Card. Or if you’re located in SA or NT, check out the BankSA Amplify Card.

 

 

Virgin Australia Velocity Flyer Card

Virgin Australia Velocity Flyer Card

The Virgin Australia Velocity Flyer Card gives you 0% p.a. for up to 14 months on purchases from the date of card approval. After 14 months, the rate reverts to 20.74% p.a. You’ll also receive a $129 Virgin Australia Gift Voucher each year when you meet the spend criteria. Offer ends 31 January 2019.

Terms and conditions apply. Click here to find out more information.

 

 

Westpac 55 Day Card – Online Exclusive

Westpac 55 Day Card – Online Exclusive

Westpac is offering 0% p.a. on purchases for up to 13 months from card approval. After 13 months, the rate reverts to 19.84% p.a. You’ll also pay no annual card fee in the first year (currently saving you $30) and in following years if you spend $5,000. This offer is available on new cards only. Apply by 31 January 2019.

Terms and conditions apply. Click here for more information.

 

 

Want to see more intro rate alternatives?

You’ve come to the right place! While our list is a good starting point, you can compare more intro and low rate credit cards right now at our credit card comparison service.