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Best Balance Transfer Credit Cards

Looking to consolidate your debt and pay it off faster, or reduce the amount of interest you pay on credit card debt by getting a balance transfer card? This category page can help you compare balance transfer credit cards and find the best credit card for you.

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In addition to common credit card filters, use our Balance Transfer Rates filters to find the best new card for you:

Balance Transfer Period

Choose how many months you prefer or think you'll need to stay on the balance transfer rate for. The promotional period for a transfer offer varies, and includes many options so whether you need 12 months, 18 months, or 26 months you'll be able to find a good balance transfer deal that suits your needs and help you maintain a lower credit card balance.

Balance Transfer Rate

The balance transfer rate can really affect the total amount of money you end up paying back. This may be a priority for you; using the filter to find credit cards with a 0% balance transfer rate could be particularly helpful. Zero interest credit cards, even if only for a short promotional period, can be hugely beneficial to you in paying off credit card debt. Also make sure you read the fine print and look at the cash advance rate and standard interest rate - interest free days often don't apply when you have a balance transfer and when the promotion period ends, may sometimes revert to an often higher cash advance rate.

Balance Transfer Fee

The higher your balance transfer amount, the more you need to be wary of this fee if you get a new card. Use the filter to find credit cards with a balance transfer fee that you would be comfortable with.

Remember, using the filters together can be very useful and will help you find the best balance transfer credit card for you faster. For example, many people are looking for a balance transfer credit card with an annual fee of at most $100, a 0% balance transfer rate and a maximum balance transfer fee of 1%

Go to first result

46 listings

Coles Low Rate MasterCard

Coles Low Rate MasterCard

1.6 from 539 reviews
Purchase Rate12.99% p.a.
Annual Fee$58 p.a.
Interest Free Period 55 days
  • 0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020

  • Low $58 Annual Fee

  • Low 12.99% p.a. Interest Rate on purcahes

  • flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1

  • 2.5% International Transaction Fee

  • Transparency
    3.1 (54)
  • Rewards
    3.4 (36)
  • Online Experience
    2.9 (54)
  • Customer Service
    2.6 (60)
  • Rates and Fees
    3.2 (56)
  • Application Process
    3.5 (52)
  • BenefitsIntroductory Interest Rate
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $60,000
  • Minimum Income $25,000
  • Rewards Programflybuys
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Introductory Rate 0% p.a. for the first 12 months
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
Woolworths Qantas Platinum

Woolworths Qantas Platinum

1.6 from 52 reviews
Purchase Rate20.49% p.a.
Annual Fee$169 p.a.
Interest Free Period 55 days
  • Stack the QFF points earned with this card with normal Woolworths Rewards points

  • 0% balance transfer rate for 14 months

  • 10% off one shop at Woolworths each month

  • Relatively high ongoing annual fee ($169)

  • BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit $6,000
  • Minimum Income $30,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay and Google Pay
  • Reduced First Year Annual Fee $99
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.
Virgin Australia Velocity High Flyer

Virgin Australia Velocity High Flyer

1.5 from 16 reviews
Purchase Rate20.74% p.a.
Annual Fee$289 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points100,000

  • 100,000 Bonus Velocity Points on offer (see Details below)

  • Earn 1 Velocity Point per $1 spent up to $8,000 per statement period

  • $129 Virgin Australia Gift Voucher and Two Single Entry Virgin Australia domestic Lounge passes each year

  • Complimentary Travel Insurance

  • $289 Annual Fee

  • Minimum Credit Limit of $15,000

  • Minimimum Income requirement of $75,000

  • 3.3% International Transaction Fee

  • Transparency
    2.1 (7)
  • Rewards
    3.8 (4)
  • Online Experience
    1.7 (7)
  • Customer Service
    1.4 (7)
  • Rates and Fees
    1.9 (7)
  • Application Process
    2.1 (7)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $15,000
  • Maximum Credit Limit $50,000
  • Minimum Income $75,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsSamsung Pay
  • Sign-Up Bonus Earn up to 100,000 bonus Velocity Points (25,000 Points each month when you spend $3,000 or more in the first 3 months and 25,000 Points after your first anniversary).
  • Balance Transfer Period 15 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
Kogan Money Black Card

Kogan Money Black Card

1.1 from 17 reviews
Purchase Rate20.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Earn $500 Kogan.com Credit when you apply and spend $500 in the first 30 days from approval

  • No Annual Fee

  • 0% p.a. for 12 months on Balance Transfers

  • Complimentary Kogan First Membership

  • 3.4% International Transaction Fee

  • Reward points can only be redeemed for eligible purchases on Kogan.com, Kogan Mobile or Kogan Internet

  • Transparency
    1.1 (14)
  • Rewards
    1.6 (7)
  • Online Experience
    1.1 (14)
  • Customer Service
    1.2 (13)
  • Rates and Fees
    1.5 (11)
  • Application Process
    1.8 (13)
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Points Earn Rate 1 points per $1
  • Sign-Up Bonus Receive $500 in Kogan.com credit when you apply by 12 January 2020 and spend $500 in the first 30 days.
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
American Express Low Rate

American Express Low Rate

5.0 from 1 review
Purchase Rate8.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • $0 Annual Fee

  • Low Interest Rate of 8.99% on purchases

  • 0% p.a. on Balance Transfers for the first 12 months

  • Add up to 4 Additional Cards at no extra cost

  • 1% Balance Transfer Fee

  • 3% Currency Conversion Fee

  • No attached rewards program

  • Rewards
    5.0 (1)
  • Online Experience
    5.0 (1)
  • Application Process
    5.0 (1)
  • Minimum Credit Limit $1,000
  • Minimum Income $50,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
St.George No Annual Fee

St.George No Annual Fee

4.7 from 3 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • No Annual Fee

  • 0% p.a. on Balance Transfers for 12 months

  • Fraud Protection feature

  • Add up to 3 extra cards at no extra cost

  • 1% Balance Transfer Fee

  • 3% International Transaction Fee

  • Relatively high 20.74% p.a. Interest Rate on purchases

  • No attached rewards program

  • Minimum Credit Limit $500
  • Maximum Credit Limit $40,000
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
St.George Vertigo

St.George Vertigo

4.5 from 2 reviews
Purchase Rate13.99% p.a.
Annual Fee$55 p.a.
Interest Free Period 55 days
  • 13.99% p.a. Interest Rate on purchases

  • 0% p.a. on Balance Transfers for 16 months

  • 3% Foreign Transaction Fee

  • Transparency
    4.5 (2)
  • Rewards
    3.0 (1)
  • Online Experience
    4.0 (2)
  • Customer Service
    4.0 (2)
  • Rates and Fees
    4.0 (2)
  • Application Process
    4.5 (2)
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 16 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
Macquarie Bank Platinum - Qantas Rewards

Macquarie Bank Platinum - Qantas Rewards

4.0 from 1 review
Purchase Rate20.70% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points20,000

  • BenefitsComplimentary Travel Insurance, No Foreign Transaction Fee, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Minimum Income $50,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay and Google Pay
  • Sign-Up Bonus Receive 20,000 bonus Qantas Points when you spend $2,000 on eligible purchases within 60 days of approval.
  • Reduced First Year Annual Fee $99
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.

Is part of...
Macquarie Bank Platinum · includes 2 listings
13 reviews
Qantas American Express Premium

Qantas American Express Premium

4.0 from 3 reviews
Purchase Rate20.74% p.a.
Annual Fee$249 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points30,000

  • 30,000 bonus Qantas Points on offer

  • Earn up to 1 Qantas Point for every $1 spent

  • 0% on Balance Transfers for the first 12 months

  • $249 Annual Fee

  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $50,000
  • Minimum Income $40,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 30,000 bonus Qantas Points when you spend $3,000 with the first 3 months of card approval.
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
Bank of Queensland Platinum Visa

Bank of Queensland Platinum Visa

4.0 from 3 reviews
Purchase Rate20.74% p.a.
Annual Fee$129 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points1,000

  • $0 Annual Fee in your first year

  • 1,000 Bonus Q Rewards points every month when you spend $1,000 per month on eligible transactions for the first 12 months

  • Earn 2 Q Rewards credit card points for every $1 spent

  • 0% p.a. on Balance Transfers for 12 months

  • Complimentary Travel Insurance

  • $129 Annual Fee after your first year

  • 3.4% International Transaction Fee

  • Transparency
    4.7 (3)
  • Rewards
    3.0 (3)
  • Online Experience
    4.7 (3)
  • Customer Service
    4.3 (3)
  • Rates and Fees
    4.0 (3)
  • Application Process
    5.0 (2)
  • BenefitsReduced First Year Annual Fee
  • Rewards ProgramQ Rewards
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsGoogle Pay and Samsung Pay
  • Sign-Up Bonus 1,000 Bonus Q Rewards Points every month when you spend $1,000 per month on eligible transactions for the first 12 months
  • Reduced First Year Annual Fee $0
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
Citibank Citi Signature Qantas

Citibank Citi Signature Qantas

3.9 from 7 reviews
Purchase Rate21.49% p.a.
Annual Fee$444 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points150,000

  • Up to 150,000 Bonus Qantas Points on offer

  • No Annual Fee in your first year

  • Earn up to 1 Qantas Point per $1 spent

  • 0% p.a. on Balance Transfers for 15 months, 0% Balance Transfer Fee

  • Complimentary Insurances, including International Travel Insurance

  • $444 Annual Fee after your first year

  • Minimum Credit Limit of $15,000

  • 3.4% International Transaction Fee

  • Transparency
    4.3 (6)
  • Rewards
    4.7 (3)
  • Online Experience
    4.5 (6)
  • Customer Service
    4.3 (6)
  • Rates and Fees
    3.8 (5)
  • Application Process
    4.3 (6)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000
  • Maximum Credit Limit $100,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Sign-Up Bonus Receive up to 150,000 bonus Qantas Points (100,000 points when you spend $5,000 within 90 days from card approval, plus an additional 50,000 points after your first anniversary)
  • Reduced First Year Annual Fee $0
  • Balance Transfer Period 15 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
Citibank Citi Clear Platinum

Citibank Citi Clear Platinum

3.3 from 7 reviews
Purchase Rate14.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • No Annual Fee in your first year

  • 0% p.a. for 9 months on purchases and balance transfers

  • Low Purchase Rate of 14.99% p.a.

  • Complimentary Purchase Cover and Extended Warranty Insurance

  • $99 Annual Fee after your first year

  • 3.4% International Transaction Fee

  • No attached rewards program

  • Transparency
    4.0 (2)
  • Online Experience
    4.0 (2)
  • Customer Service
    3.5 (2)
  • Rates and Fees
    4.0 (1)
  • Application Process
    4.0 (2)
  • BenefitsReduced First Year Annual Fee
  • Maximum Credit Limit $100,000
  • Minimum Income $35,000
  • Rewards ProgramCiti Rewards
  • Contactless PaymentsApple Pay and Samsung Pay
  • Introductory Rate 0% p.a. for the first 9 months
  • Reduced First Year Annual Fee $99
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.
Suncorp Clear Options Platinum

Suncorp Clear Options Platinum

3.1 from 7 reviews
Purchase Rate20.74% p.a.
Annual Fee$129 p.a.
Interest Free Period 55 days
  • Discounted $49 Annual Fee for your first year ($129 thereafter)

  • 0% p.a. for 14 months on Balance Transfers

  • Earn 1.25 Rewards points per dollar spent

  • Complimentary International Travel Insurance and Extended Warranty Insurance

  • 3.4% International Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate of 21.99% after 14 months

  • Transparency
    3.3 (6)
  • Rewards
    3.5 (6)
  • Online Experience
    3.0 (6)
  • Customer Service
    3.2 (6)
  • Rates and Fees
    2.9 (7)
  • Application Process
    3.0 (6)
  • BenefitsComplimentary Travel Insurance, Introductory Interest Rate and Reduced First Year Annual Fee
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $30,000
  • Rewards ProgramSuncorp Rewards
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Introductory Rate 0% p.a. for 14 months on Purchases
  • Reduced First Year Annual Fee $49
  • Balance Transfer Period 18 months
  • Balance Transfer Rate 0% p.a.
Westpac Altitude Business Gold

Westpac Altitude Business Gold

3.0 from 7 reviews
Purchase Rate20.24% p.a.
Annual Fee$150 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points60,000

  • 0% Annual Card Fee for the first year

  • Earn up to 1 Altitude Point per $1 spent on eligible business purchases

  • Complimentary Business Inconvenience Insurance and Unauthorised Transaction Insurance

  • Complimentary Travel and Purchase-related Insurances

  • $150 Annual Card Fee after the first year

  • 3% Foreign Transaction Fee

  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Income $30,000
  • Rewards ProgramQantas Frequent Flyer and Westpac Altitude Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 60,000 bonus Altitude Points when you spend $3,000 on eligible purchases within 90 days of card approval.
  • Reduced First Year Annual Fee $0
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 4.99% p.a.
Bank of Queensland Low Rate Visa

Bank of Queensland Low Rate Visa

3.0 from 1 review
Purchase Rate13.49% p.a.
Annual Fee$55 p.a.
Interest Free Period 55 days
  • Relatively low 13.49% p.a. Interest Rate on purchases and $55 Annual Fee

  • 0% p.a. on Balance Transfers for 14 months

  • 3.4% International Transaction Fee

  • No attached rewards program

  • Minimum Income $25,000
  • Contactless PaymentsSamsung Pay
  • Introductory Rate 0% p.a. for 14 months
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.
BankSA No Annual Fee Visa

BankSA No Annual Fee Visa

2.8 from 4 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • No Annual Card Fee

  • 0% Balance Transfer Offer for 12 months

  • Add up to 3 extra cards at no additional cost

  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Account

  • Relatively high 20.74% p.a. Interest Rate on purchases

  • Transparency
    3.5 (2)
  • Online Experience
    4.0 (2)
  • Customer Service
    4.5 (2)
  • Rates and Fees
    3.0 (2)
  • Application Process
    4.0 (2)
  • Minimum Credit Limit $500
  • Maximum Credit Limit $40,000
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
HSBC Low Rate Credit Card

HSBC Low Rate Credit Card

2.7 from 3 reviews
Purchase Rate12.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Low Interest Rate of 12.99% p.a. on purchases

  • No Overseas Transaction Fees

  • 0% p.a. on Balance Transfers for 20 months

  • Complimentary Domestic Travel Insurance

  • Accessible Minimum Credit Limit of $1,000

  • $99 Annual Fee

  • 2% Balance Transfer Fee

  • No attached rewards program

  • Transparency
    2.3 (3)
  • Rewards
    1.0 (1)
  • Online Experience
    2.0 (3)
  • Customer Service
    2.7 (3)
  • Rates and Fees
    2.7 (3)
  • Application Process
    2.5 (2)
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit $1,000
  • Minimum Income $20,000
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 20 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 2%
Jetstar Mastercard - Jetstar Dollars Program

Jetstar Mastercard - Jetstar Dollars Program

2.7 from 7 reviews
Purchase Rate14.99% p.a.
Annual Fee$69 p.a.
Interest Free Period 55 days
  • Low 14.99% purchase rate

  • No booking fees on jetstar.com

  • $10,000 spend required to receive a $100 Jetstar travel voucher

  • $69 annual fee after the first year

  • Transparency
    2.4 (5)
  • Rewards
    3.0 (4)
  • Online Experience
    2.6 (5)
  • Customer Service
    2.6 (5)
  • Rates and Fees
    2.0 (4)
  • Application Process
    2.8 (5)
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $50,000
  • Minimum Income $30,000
  • Rewards ProgramJetstar Dollars
  • Reduced First Year Annual Fee $0
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.

Is part of...
Jetstar Mastercard · includes 2 listings
64 reviews
HSBC Platinum Qantas

HSBC Platinum Qantas

2.3 from 8 reviews
Purchase Rate19.99% p.a.
Annual Fee$79 p.a.
Interest Free Period 55 days
  • $0 Annual Fee in the first year ($79 in subsequent years)

  • 0% p.a. Balance Transfer for 12 months

  • Earn 1 Qantas point per $1 spent up to $2,500 per statement period on eligible purchases

  • Complimentary Insurance Benefits

  • 3% Overseas Exchange fee

  • Points Earn Rate drops to 0.5 Qantas Points per $1 spent after the first $2,500 per statement period

  • Transparency
    2.0 (3)
  • Rewards
    4.0 (2)
  • Online Experience
    2.4 (5)
  • Customer Service
    3.0 (4)
  • Rates and Fees
    3.5 (4)
  • Application Process
    3.0 (4)
  • BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $60,000
  • Minimum Income $40,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay
  • Reduced First Year Annual Fee $0
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
Virgin Money Low Rate

Virgin Money Low Rate

1.0 from 4 reviews
Purchase Rate11.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 44 days
  • Purchase Rate of 11.9% p.a.

  • $49 Annual Fee

  • 0% p.a. for the first 14 months on Balance Transfers

  • 3.3% International Transaction Fee

  • Balance Transfers revert to a high Cash Advance Rate of 21.69% after the offer period ends

  • You can't earn Velocity Points even though this card is issued by Virgin

  • Transparency
    1.0 (1)
  • Rewards
    4.0 (1)
  • Online Experience
    4.0 (1)
  • Customer Service
    1.0 (1)
  • Rates and Fees
    1.0 (1)
  • Application Process
    3.0 (1)
  • BenefitsCashback Offer
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Contactless PaymentsSamsung Pay
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.
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