Sign-up bonus credit cards

Sign-up bonus credit cards provide attractive introductory offers, including bonus points, travel credits, $0 annual fees, promotional interest rates and other perks.

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On closer inspection, it is apparent that the interest rate on additional purchases and card fees are higher compared to other credit cards. Some cards waive card fees as a sign-up bonus for a particular period, but then may not provide as many rewards, while others offer 0% interest for a specific period on balance transfers.

If you look at a special offer; consider all the factors, and feel you can utilise the bonus offers while saving money or gaining rewards that you will use, a sign-up bonus can be useful. However, do not apply without weighing up all the pros and cons, as this could leave you paying more at the end of the day.

American Express Platinum Edge Credit Card

American Express Platinum Edge Credit Card

19.95 % APR

Purchase interest rate

Eligibility criteria, terms and conditions, fees and charges apply

American Express Platinum Edge Credit Card

The American Express Platinum Edge Credit Card offers a low interest rate on purchases. Earn 20,000 Membership Rewards bonus points when you apply online and spend $750 in the first 3 months of Card membership. This offer is available to new Card Members only.

  • Annual fee: $149 p.a.
  • Purchase rate (p.a): 2.99% APR for 6 months (reverts to 19.95% APR) on purchases
  • Cash advance rate: 21.95% APR
  • Up to 55 days interest free
  • Minimum Income Requirement of $50,000 p.a.
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Compare cards with introductory offers and apply securely

Data indicated here is updated regularly
Name Product Purchase rate (p.a.) Annual fee Additional cardholder fee
American Express Airpoints Card
0% for 6 months (reverts to 19.95% APR)
$0 p.a.
N/A
Be rewarded with 50 bonus Airpoints Dollars. Simply apply, be approved, and spend $750 on your new Card in the first 3 months of membership. This offer is available to new Card Members only.
American Express Airpoints Platinum Card
19.95% APR
$195 p.a.
N/A
Receive 200 bonus Airpoints Dollars when you apply, are approved, and spend a minimum of $1,500 in the first 3 months. This offer is available to new Card Members only. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.
American Express Platinum Edge Credit Card
2.99% for 6 months (reverts to 19.95% APR)
$149 p.a.
N/A
Enjoy a low rate on purchases and earn 20,000 Membership Rewards Bonus Points if you apply, are approved and spend $750 in the first 3 months of Card membership. This offer is available to new Card Members only.
American Express Platinum Card
N/A
$1,250 p.a.
N/A
A charge card with premium travel benefits. Plus up to 80,000 Membership Rewards Bonus Points when you spend $1,500 on your card within the first 3 months, available to new Card Members only.
Westpac Airpoints Business Mastercard
20.95% APR
$145 p.a.
$25
ANZ Airpoints Visa Platinum Credit Card
19.95% APR
$150 p.a.
$10
Westpac hotpoints World Mastercard
16.95% APR
$390 p.a.
$100
Westpac BusinessPlus Mastercard
20.95% APR
$100 p.a.
$25
ANZ CashBack Visa Platinum Credit Card
19.95% APR
$125 p.a.
$10
ANZ CashBack Visa Credit Card
19.95% APR
$60 p.a.
$10
Westpac Airpoints World Mastercard
16.95% APR
$390 p.a.
$100
Westpac Airpoints Platinum Mastercard
20.95% APR
$150 p.a.
$25
Westpac Airpoints Mastercard
20.95% APR
$55 p.a.
$15
Westpac hotpoints Platinum Mastercard
20.95% APR
$119 p.a.
$25
Westpac hotpoints Mastercard
20.95% APR
$44 p.a.
$15
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Factors to consider with a sign-up bonus credit card

Conclusion

A sign-up bonus credit card is a great way to use your purchase power to your benefit, as it can earn you great rewards or save you from high-interest payments. Credit card companies always make money, so no matter how good a deal looks, be sure you understand the fine print, fees and conditions. It should always be your goal to eliminate or reduce credit card debt, so do not be tempted to get in further debt for the sake of a sign-up bonus, unless it serves your purpose.

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