Best-rated credit cards with introductory purchase rate offer
The table below shows Low Rate credit cards on Canstar’s database that feature introductory purchase rate offers.

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The initial results in the table above are sorted by Star Rating (High-Low) , then Purchase rate p.a. (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.
About Credit Cards with Intro Offers on Purchase Rate
An ‘intro rate’ deal is one where you are offered a discounted interest rate, on purchases, for a limited period of time after you sign up for, or start using, the card. This means that if you don’t pay off the full amount owing on the card at the end of the month, you’ll be charged interest on purchases at the discounted rate. However, after the introductory period, the purchase interest rate then reverts to the standard rate that applies for that credit card product. Canstar’s comparison tables (above), first shows the rate offer in larger text, and then the length of time that rate applies and the revert rate. Both the intro offer rate and the revert rate shown in the table are updated daily.
Are credit card intro offers worth it?
Whether or not a credit card introductory offer is worth it depends on what you want to use the card for as well as your personal circumstances. To work out what card offers the best deal for your circumstances, it’s a good idea to consider:
- the discounted purchase rate: Is it competitive against other intro rates?
- the length of time that rate lasts: Will you pay the balance off the card before the rate expires?
- the revert rate: Is it competitive? Are you likely to keep the card after the intro rate offer expires?
- the terms and conditions of the card: Are there any special conditions that might impact how you use the card? What are considered ‘eligible purchases’, to which the discounted rate will apply?
- annual fees and other charges: How does the annual fee compare to other cards? Is the discount worth the annual fee?
- interest-free period: How many days to you have to pay off the balance of the card every month? Does it suit your spending habits?
- What impact will applying for the card have on your credit score? Every time you apply for credit, it is recorded on your credit report. Too many applications could be one of the things that has a negative impact on your score.
Learn more: Should you get a credit card? Is it worth it?
Frequently Asked Questions about Credit Cards with Introductory Offers
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Canstar Credit Card Star Ratings and Awards
Looking for an award-winning credit card product or to switch providers or brands? Canstar rates products based on price and features in our Credit Card Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall.
Canstar rates a range of financial products, covering banking, insurance and investment. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.
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About our finance experts
Nina Rinella, Editor-in-Chief

Joshua Sale, GM, Research

As Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Credit Card Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right credit card for them.
Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Review, news.com.au and Money Magazine.
You can follow Josh on LinkedIn, and Canstar on Twitter and Facebook.
Important information
For those that love the detail
This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.