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.

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Updated 9 Aug 2025   |   Rates updated regularly

Comparing of 12 new customer credit card offers

FeaturedApply by 14 September 2025
Citi Rewards 100,000 Bonus Citi Reward Points Offer

On Citi's website

Citi Rewards 100,000 Bonus Citi Reward Points Offer

Rewards program

Citi Rewards

Points per $1 spent

1 Citi Rewards Point

Sign up bonus

100,000 Citi Rewards Points

Annual fee

$199.00 p.a. ongoing

Details

  • Receive 100,000 bonus Citi reward Points after spending $5,000 on eligible purchases within the initial 3 months from approval. Terms and Conditions apply.
  • Earn 1 Citi reward point per $1 spent on eligible transactions.
  • Access complimentary insurance for eligible products purchased with your Citi Credit Card. See Terms and Conditions here.
  • Get up to 15% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2026. See Terms and Conditions here.

This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.

Pros & cons

Pros
  • Get 100,000 bonus points when you meet the criteria. That's $400 when you pay with points!
  • Use your Citi Reward Points for a credit back on almost any purchase.
  • Save on your next getaway with 10% off selected hotels on Expedia or Wotif. Book by 31 January 2026 and complete your stay by 30 June 2026.
  • Get $10 cashback every month until 31 October 2025 when you sign up for a Binge Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
  • 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
  • Provides Purchase Protection Insurance and Extended Warranty Insurance for added security on your eligible purchases.
  • Get a maximum credit limit of up to $100,000, providing flexibility for larger expenses.
  • Supports Apple Pay, Google Pay and Samsung Pay.
Cons
  • No ongoing introductory balance transfer or purchase offer.
  • Rewards earning is capped at $10,000 in spending per statement period, which works well for moderate spending habits.
  • Each additional card costs $90 annually, with a limit of up to four cardholders.
FeaturedApply by 14 September 2025
Citi Rewards Card Balance Transfer and Purchase Offer

On Citi's website

Citi Rewards Card Balance Transfer and Purchase Offer

Rewards program

Citi Rewards

Points per $1 spent

1 Citi Rewards Point

Sign up bonus

N/A

Annual fee

$199.00 p.a. ongoing

Details

  • 0% p.a. for 15 months on purchases and balance transfers. Balance transfer reverts to cash advance rate after the promotional period.
  • Earn 1 Citi reward point per $1 spent on eligible transactions.
  • Use your Citi Reward Points for a credit back on almost any purchase.
  • Access complimentary insurance for eligible products purchased with your Citi Credit Card. See Terms and Conditions here.
  • Get up to 15% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2026. See Terms and Conditions here.

This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.

Pros & cons

Pros
  • 0% p.a. on balance transfers and purchases for the first 15 months.
  • Save on your next getaway with 10% off selected hotels on Expedia or Wotif. Book by 31 January 2026 and complete your stay by 30 June 2026.
  • Get $10 cashback every month until 31 October 2025 when you sign up for a Binge Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
  • 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
  • Provides Purchase Protection Insurance and Extended Warranty Insurance for added security on your eligible purchases.
  • Get a maximum credit limit of up to $100,000, providing flexibility for larger expenses.
  • Supports Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is a 2% BT fee.
  • Rewards earning is capped at $10,000 in spending per statement period, which works well for moderate spending habits.
  • Each additional card costs $90 annually, with a limit of up to four cardholders.
FeaturedApply by 14 September 2025
Citi Clear Credit Card

On Citi's website

Citi Clear Credit Card

2.8

Rewards program

N/A

Points per $1 spent

N/A

Sign up bonus

N/A

Annual fee

$149.00 p.a. ongoing

Details

  • 0% p.a. for 20 months on Balance Transfers with a 2% fee. Reverts to 22.24% p.a after the promotional period.
  • Has a low ongoing purchase rate, making it more affordable for everyday spending.
  • Access complimentary insurance for eligible products purchased with your Citi Credit Card. See Terms and Conditions here.
  • Get up to 15% off Limited Time Lux Exclusive hotel offers (up to $250 per booking) booked by 1 March 2026. See Terms and Conditions here.

This product is provided by National Australia Bank Limited, using certain trademarks under license from Citigroup Inc.

Pros & cons

Pros
  • Long interest-free balance transfer period (20 months).
  • Pay your Monthly Mobile Plan bill with your Citi Clear Credit Card and you'll be covered for Accidental Damage and Theft.
  • Add up to 4 cardholders for free, making it a great option for most families.
  • My Cashback offers are personalised and require no opt-in or registration.
  • Save on your next getaway with 10% off selected hotels on Expedia or Wotif. Book by 31 January 2026 and complete your stay by 30 June 2026.
  • Get $10 cashback every month until 31 October 2025 when you sign up for a Binge Standard (normally $19 per month) or Premium (normally $22 per month) monthly subscription.
  • 5% discount on international flights with Trip.com with no blackout dates. Book by 31 December 2025 for travel by 30 September 2026.
  • Get a credit limit ranging from a minimum of $2,000 to a maximum of $100,000.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • No rewards program, but this card is about simplicity.
  • High revert rate on balance transfers (22.24% p.a.) after the promotional period.
  • Purchases have no interest-free days while there's a balance transfer.
FeaturedApply by 28 August 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 28 August 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 28 August 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 2 September 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 2nd September 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 2 September 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 2 September 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.
Virgin Australia Velocity High Flyer Credit Card

Not available for application via this website

Virgin Australia Velocity High Flyer Credit Card

4.6

Rewards program

Velocity Frequent Flyer

Points per $1 spent

1 Velocity Point

Sign up bonus

80,000 Velocity Points

Annual fee

$329.00 p.a. ongoing

Details

  • Earn up to 100,000 bonus Velocity Points. Get 40,000 points each month by spending $3,500 or more on eligible purchases within the first 2 months of card approval. Plus, receive 20,000 Velocity Points when you keep your card open for over 12 months. Terms and conditions apply.
  • Receive a $129 Virgin Australia Gift Voucher every year, giving you savings on flights and making travel more affordable.
  • Comes with International and Domestic Travel Insurance, plus an Extended Warranty Service, providing peace of mind and protection for your purchases and travels.

Pros & cons

Pros
  • Earn up to 100,000 bonus Velocity Points when you meet the criteria.
  • Earn 1 Velocity Point per $1 spent on eligible transactions up to $8,000 and 0.5 points per $1 on spending thereafter.
  • Two single entry passes for Virgin Australia domestic lounges every year.
  • Earn 100 Bonus Status Credits each year when you book a Virgin Australia flight.
  • Talk to a personal concierge with Visa Signature, making it easier to get expert assistance when you travel.
  • Get a credit limit of up to $100,000 for larger purchases and expenses.
  • Includes Domestic Rental Vehicle Excess Insurance.
  • Works with Apple Pay, Google Play, and Samsung Pay.
Cons
  • The ongoing annual fee of $329 p.a.
  • Earn rate is tiered, although the base tier is enough for more people.
  • Only up to 44 interest-free days on purchases.
  • There's an annual fee per additional card worth $89 p.a.
Virgin Money Anytime Rewards Credit Card (Virgin Money Points Offer)

Not available for application via this website

Virgin Money Anytime Rewards Credit Card (Virgin Money Points Offer)

Rewards program

Virgin Money Rewards

Points per $1 spent

1 Virgin Money Point

Sign up bonus

80,000 Virgin Money Points

Annual fee

$149.00 p.a. ongoing

Details

  • Earn 80,000 bonus Virgin Money Points when you spend $3,000 on eligible purchases within 3 months of card approval. Terms and conditions apply.
  • Earn 1 Virgin Money Point for every $1 you spend.
  • You can also earn additional points when you spend at HelloFresh, Menulog and more.
  • There is no limit to the points you can earn.

Pros & cons

Pros
  • Earn 80,000 bonus Virgin Money Points when you meet the criteria.
  • Redeem points for cashback, gift cards, Velocity Frequent Flyer transfers, partner hotel stays, or to pay off purchases.
  • Visa Platinum Concierge Service offers the convenience of a personal assistant at your fingertips
  • Visa Platinum Benefits give you priority access to Australia’s top concerts, shows, and sports events before pre-sales and public release.
  • Up to 55 interest-free days.
  • The credit limit starts at $6,000.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • The ongoing annual fee of $149 p.a.
  • Does not include complimentary international travel insurance.
  • Cash advance rate is 20.99% p.a.
Virgin Money Anytime Rewards Credit Card (Balance Transfer Offer)

Not available for application via this website

Virgin Money Anytime Rewards Credit Card (Balance Transfer Offer)

Rewards program

Virgin Money Rewards

Points per $1 spent

1 Virgin Money Point

Sign up bonus

N/A

Annual fee

$149.00 p.a. ongoing

Details

  • 0% p.a. interest for 24 months on balance transfers (1% transfer fee applies). Reverts to cash advance rate of 20.99% p.a.
  • Earn 1 Virgin Money Point for every $1 you spend.
  • There is no limit to the points you can earn.

Pros & cons

Pros
  • You can also earn additional points when you spend at HelloFresh, Menulog and more.
  • Redeem points for cashback, gift cards, Velocity Frequent Flyer transfers, partner hotel stays, or to pay off purchases.
  • Visa Platinum Concierge Service offers the convenience of a personal assistant at your fingertips
  • Visa Platinum Benefits give you priority access to Australia’s top concerts, shows, and sports events before pre-sales and public release.
  • Up to 55 interest-free days.
  • The credit limit starts at $6,000.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is a 1% BT fee.
  • The ongoing annual fee of $149 p.a.
  • Does not include complimentary international travel insurance.
  • Cash advance rate is 20.99% p.a.
Virgin Australia Velocity Flyer Credit Card (Balance Transfer Offer)

Not available for application via this website

Virgin Australia Velocity Flyer Credit Card (Balance Transfer Offer)

3.1

Rewards program

Velocity Frequent Flyer

Points per $1 spent

0.66 Velocity Points

Sign up bonus

N/A

Annual fee

$149.00 p.a. ongoing

Details

  • 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee. Reverts to the cash advance rate at 20.99% p.a.
  • Earn 0.66 Velocity Points per $1 on eligible spending up to $1,500 per statement period, then 0.5 points per $1 after that.
  • Earn an extra Velocity Point for every dollar spent directly with Virgin Australia using your Flyer Credit Card.

Pros & cons

Pros
  • Receive a $129 Virgin Australia Gift Voucher every year, giving you savings on flights and making travel more affordable.
  • Redeem points for cashback, gift cards, Velocity Frequent Flyer transfers, partner hotel stays, or to pay off purchases.
  • Includes Purchase Protection and Extended Warranty Insurance.
  • Comes with security features such as Fraudshield, Zero Liability policy and more.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • The ongoing annual fee of $149 p.a.
  • The earn rate drops to 0.5 points per $1 after $1,500 in a statement period.
Virgin Australia Velocity Flyer Credit Card (Velocity Points Offer)

Not available for application via this website

Virgin Australia Velocity Flyer Credit Card (Velocity Points Offer)

4.4

Rewards program

Velocity Frequent Flyer

Points per $1 spent

0.66 Velocity Points

Sign up bonus

50,000 Velocity Points

Annual fee

$149.00 p.a. ongoing

Details

  • Earn up to 70,000 bonus Velocity Points. Get 25,000 points each month by spending $1,500 or more on eligible purchases within the first 2 months of card approval. Plus, receive 20,000 Velocity Points when you keep your card open for over 12 months. Terms and conditions apply.
  • 0% p.a. interest for 12 months on balance transfers (2% transfer fee applies). Reverts to cash advance rate of 20.99% p.a
  • Earn 0.66 Velocity Points per $1 on eligible spending up to $1,500 per statement period, then 0.5 points per $1 after that.
  • Earn an extra Velocity Point for every dollar spent directly with Virgin Australia using your Flyer Credit Card.

Pros & cons

Pros
  • Receive a $129 Virgin Australia Gift Voucher every year, giving you savings on flights and making travel more affordable.
  • Redeem points for cashback, gift cards, Velocity Frequent Flyer transfers, partner hotel stays, or to pay off purchases.
  • Includes Purchase Protection and Extended Warranty Insurance.
  • Comes with security features such as Fraudshield, Zero Liability policy and more.
  • Access a Personal Concierge service to help with travel bookings, gift ideas, reservations, and more.
  • Compatible with Apple Pay, Google Pay and Samsung Pay.
Cons
  • The ongoing annual fee of $149 p.a.
  • The earn rate drops to 0.5 points per $1 after $1,500 in a statement period.

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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