The 0% balance transfer fee for 12 months, so 19.99% per annum is the best offer on the market today. This card can be used by both existing and new customers and will allow them to take advantage of the opportunity to pay off their interest-free debt, which normally adds up quickly with other loans such as credit cards.

Interest-free days on purchases can help you avoid finance charges. These are the days when you must return the amount of your purchase, but do not charge interest. You can get up to 55 days interest free on purchases.

The Coles Rewards Mastercard that gives you 2 flybuys points for every $1 spent on eligible purchases for the first $3,000. It’s great that the points are unlimited and don’t expire until 2022. You can accumulate flybuys points for an extended period of time and get 60,000 bonus flybuys points when you spend at least $3,000 on qualifying purchases.

The Coles card offers a standard rate of 19.99%, but you also get more than 50 interest-free days to clear your balance. If you provide 100% financing by July 31, 2022 and make a qualifying purchase of $3,000 or more within 90 days of approval, you can earn 40,000 bonus flybuys points.