Top 0% APR Credit Cards 2025: Best Zero Percent Interest Credit Card Picks

Looking to save money in 2025? A 0 percent interest credit card could be your best financial move. Whether you're managing existing debt or planning a big purchase, a 0 percent interest credit card offers a strategic way to avoid interest and take control of your spending.

In this guide, we’ll dive into the top 0% APR credit cards of 2025, what to look for, and how you can benefit from zero percent interest credit cards—especially if you're aiming to cut costs and maximise value. Let’s find the best low interest credit cards that suit your financial goals.

Why Choose a 0 percent interest credit card in 2025?

A 0 percent interest credit card gives you a promotional period—often between 12 to 24 months—where you won’t pay interest on new purchases or balance transfers. With rising costs in Australia, using a zero percent interest credit cardcan be a smart way to budget and reduce your overall debt burden.

Key Benefits:

• Pay no interest for a set period

• Manage large expenses without added cost

• Transfer high-interest balances and save

• Improve your credit score by paying on time

Whether you want a card for zero interest credit cards on purchases or balance transfers, the right card can help you take charge of your finances.

Best 0 Percent Interest Credit Cards of 2025

Here are our top picks for 0 percent interest credit cards in Australia this year:

1. ANZ Low Rate Credit Card – 0% Interest on Balance Transfers for 28 Months

• 0% APR on balance transfers for 28 months

• $0 annual fee for the first year

• Variable purchase rate after the promo: 12.49% p.a.

• Ideal for consolidating high-interest debt

Perfect for those focused on best low interest credit cards with a long interest-free balance transfer period.

2. NAB Low Rate Credit Card – 0% APR for 20 Months on Purchases

• No interest on purchases for 20 months

• Annual fee: $59

• Great for financing a big purchase

• Purchase rate after the promo: 12.49% p.a.

A great 0 percent interest credit card if you’re planning a big spend like home renovations or travel.

3. Commonwealth Bank Essentials Credit Card – Low Rate with Intro Offer

• Introductory 0% interest on purchases for 15 months

• Ongoing rate: 9.90% p.a.

• $72 annual fee

• Comes with spending alerts and budgeting tools

This zero interest credit card is a strong contender for everyday low-rate spending.

4. Westpac Low Rate Card – 0% APR on Purchases for 18 Months

• Intro 0 percent interest credit card offer on purchases

• Annual fee: $59 (waived in the first year)

• Flexible repayment tools and budgeting features

Ideal for people wanting to spread costs over time without paying interest.

5. St.George Vertigo Credit Card – Longest Balance Transfer Period

• 0% APR on balance transfers for 32 months

• 1% balance transfer fee

• $55 annual fee

• No interest-free period on new purchases while carrying a balance

Use this zero percent interest credit card to manage existing debt efficiently.

What to Look for in a 0 Percent Interest Credit Card?

Choosing the right 0 percent interest credit card means looking beyond just the promotional rate. Here are a few key features to compare:

Promotional Period

How long is the 0% APR valid for? Longer periods mean more time to save on interest.

Annual Fees

A lower or waived annual fee makes the card more cost-effective.

Purchase vs. Balance Transfer Offers

Some cards offer 0% on purchases, others on balance transfers—or both.

Revert Rates

Once the promotional period ends, the standard rate applies. Look for best low interest credit cards with reasonable revert rates.

Other Benefits

Look for rewards, mobile app features, budgeting tools, and fraud protection.

How to Use a Zero Percent Interest Credit Card Wisely

A 0 percent interest credit card is only useful if you use it responsibly. Here’s how to make the most of it:

• Pay at least the minimum monthly repayment to avoid penalties

• Clear the full balance before the promo ends

• Avoid using the card for cash advances, which often attract higher rates

• Don’t overspend just because you're not paying interest

Apply for the Best Low Interest Credit Cards with Utility Choice AU

At Utility Choice AU, we help Australians compare not just energy providers—but also financial products like 0 percent interest credit cards. Our platform gives you:

• Side-by-side card comparisons

• Up-to-date promotional offers

• Expert recommendations tailored to your budget

Compare the best 0% APR credit cards in Australia now with Utility Choice AU and start saving today!

Final Thoughts

A 0 percent interest credit card can be a powerful tool to manage your money, fund big purchases, or tackle debt—all without paying a cent in interest. Just make sure to choose a card that aligns with your financial goals and repayment capacity.

Ready to find the right card?

Visit Utility Choice AU today and compare the latest zero percent interest credit card offers in minutes!

Frequently Asked Questions ( FAQS )

1. What is a 0 percent interest credit card?

A 0 percent interest credit card offers a promotional period where you won’t pay interest on purchases or balance transfers.

2. How long does the 0% APR last?

Most offers last between 12 and 28 months, depending on the card.

3. Do I still need to make monthly payments?

Yes, you must make minimum repayments each month to maintain the 0 percent interest credit card offer.

4. Can I use a zero interest credit card for purchases and balance transfers?

Some cards offer 0% APR for both, but not all. Check the card’s terms before applying.

5. What happens after the promo period ends?

The card reverts to a standard interest rate, which can be around 10–22% p.a., depending on the issuer.

6. Is there a fee for balance transfers?

Many cards charge a 1–2% fee on the amount transferred. Factor this into your cost calculations.

7. Will applying for a 0 percent interest credit card affect my credit score?

Yes, applying results in a hard inquiry, which may temporarily lower your credit score.

8. Are 0 percent interest credit cards suitable for debt consolidation?

Yes, they’re excellent for consolidating and paying off debt without interest—especially when paired with long balance transfer periods.

9. What are the best low interest credit cards in Australia right now?

Cards from ANZ, NAB, Westpac, and St.George are offering highly competitive zero percent interest credit card deals in 2025.

10. Where can I compare 0 percent interest credit card offers easily?

You can compare all the top 0 percent interest credit card deals right now on Utility Choice AU for free.