Best Balance Transfer Credit Cards

0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020

Low $58 Annual Fee

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

Stack the QFF points earned with this card with normal Woolworths Rewards points

0% balance transfer rate for 14 months

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

$289 Annual Fee

Minimum Credit Limit of $15,000

Minimimum Income requirement of $75,000

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

3.4% International Transaction Fee

$0 Annual Fee

Low Interest Rate of 8.99% on purchases

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

1% Balance Transfer Fee

3% Currency Conversion Fee

No Annual Fee

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

Fraud Protection feature

1% Balance Transfer Fee

3% International Transaction Fee

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

13.99% p.a. Interest Rate on purchases

30,000 bonus Qantas Points on offer

Earn up to 1 Qantas Point for every $1 spent

$249 Annual Fee

1% Balance Transfer Fee

$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

$129 Annual Fee after your first year

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

$444 Annual Fee after your first year

Minimum Credit Limit of $15,000

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.

$99 Annual Fee after your first year

3.4% International Transaction Fee

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

3.4% International Transaction Fee

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

$150 Annual Card Fee after the first year

Relatively low 13.49% p.a. Interest Rate on purchases and $55 Annual Fee

3.4% International Transaction Fee

No Annual Card Fee

0% Balance Transfer Offer for 12 months

1% Balance Transfer Fee

3% Foreign Transaction Account

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

$99 Annual Fee

2% Balance Transfer Fee

Low 14.99% purchase rate

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

$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

3% Overseas Exchange fee

Purchase Rate of 11.9% p.a.

$49 Annual Fee

3.3% International Transaction Fee

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