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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%

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46 listings

Jetstar Platinum Mastercard - Jetstar Dollar Program

Jetstar Platinum Mastercard - Jetstar Dollar Program

1.0 from 1 review
Purchase Rate19.99% p.a.
Annual Fee$169 p.a.
Interest Free Period 55 days
  • Free 12 month Club Jetstar membership, free domestic one-way flight and discounted first year annual fee of $69 on offer

  • 0% on Balance Transfers for 14 months

  • Complimentary Overseas Travel Insurance



  • Pay 0% p.a. interest for 6 months on any flight or hotel booking of $300 or more at jetstar.com or via the Jetstar call centre

  • $169 Annual Fee

  • 3% Foreign Transaction Fee

  • $10,000 spend on eligible purchases required to receive a $200 Jetstar Travel Voucher



  • Transparency
    1.0 (1)
  • Rewards
    1.0 (1)
  • Online Experience
    1.0 (1)
  • Customer Service
    1.0 (1)
  • Rates and Fees
    1.0 (1)
  • Application Process
    1.0 (1)
  • BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $100,000
  • Minimum Income $30,000
  • Rewards ProgramJetstar Dollars
  • Points Earn Rate 0.5 points per $1
  • Reduced First Year Annual Fee $69
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.

Is part of...
Jetstar Platinum Mastercard · includes 2 listings
3 reviews
Macquarie Bank Black - Macquarie Rewards

Macquarie Bank Black - Macquarie Rewards

No reviews
Purchase Rate20.70% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points20,000

  • No International Transaction Fees

  • Earn 2 Macquarie Reward Points per $1 spent



  • 0% p.a Balance Transfer for 14 months

  • Complimentary Insurances, including Overseas Travel Insurance

  • $99 First Year Annual Fee, then $249 ongoing

  • BenefitsComplimentary Travel Insurance, No Foreign Transaction Fee, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000
  • Minimum Income $70,000
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Google Pay
  • Sign-Up Bonus Receive 20,000 bonus Macquarie Rewards Points when you spend $2,000 on eligible purchases within 60 days of approval.
  • Reduced First Year Annual Fee $149
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.

Is part of...
Macquarie Bank Black · includes 2 listings
No reviews
Jetstar Platinum Mastercard - Qantas Frequent Flyer

Jetstar Platinum Mastercard - Qantas Frequent Flyer

No reviews
Purchase Rate19.99% p.a.
Annual Fee$169 p.a.
Interest Free Period 55 days
  • Free 12 month Club Jetstar membership, free domestic one-way flight and discounted first year annual fee of $69 on offer

  • 0% on Balance Transfers for 14 months

  • Complimentary Overseas Travel Insurance

  • Pay 0% p.a. interest for 6 months on any flight or hotel booking of $300 or more at jetstar.com or via the Jetstar call centre

  • $199 Annual Fee

  • 3% Foreign Transaction Fee

  • Low Points Earn Rate of 0.5 Qantas Points per $1 spent on eligible purchases

  • BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $100,000
  • Minimum Income $30,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.5 points per $1
  • Reduced First Year Annual Fee $69
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.

Is part of...
Jetstar Platinum Mastercard · includes 2 listings
3 reviews
Macquarie Bank Black - Qantas Rewards

Macquarie Bank Black - Qantas Rewards

No reviews
Purchase Rate20.70% p.a.
Annual Fee$299 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points20,000

  • No International Transaction Fees

  • Earn 1 Qantas Point per $1 spent on eligible purchases

  • 0% p.a Balance Transfer for 14 months

  • Complimentary Insurances, including Overseas Travel Insurance

  • $99 First Year Annual Fee, then $299 ongoing

  • Points Earn Rate drops down to 0.5 Qantas Points per $1 after the first $4,000 per statement period

  • BenefitsComplimentary Travel Insurance, No Foreign Transaction Fee, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000
  • Minimum Income $70,000
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple 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 Black · includes 2 listings
No reviews
Macquarie Bank Platinum - Macquarie Rewards

Macquarie Bank Platinum - Macquarie Rewards

No reviews
Purchase Rate20.70% p.a.
Annual Fee$199 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 ProgramMacquarie Rewards
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay and Google Pay
  • Sign-Up Bonus Receive 20,000 Macquarie Reward 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
Jetstar Mastercard - Qantas Frequent Flyer

Jetstar Mastercard - Qantas Frequent Flyer

No 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

  • Additional $30 Qantas Frequent Flyer joining fee

  • Relatively low QFF points earn rate (0.5 points per $1)

  • $69 annual fee after the first year

  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $50,000
  • Minimum Income $30,000
  • Rewards ProgramQantas Frequent Flyer
  • 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
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