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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%
64 listings
- Award Winner 2020
Qantas American Express Discovery
- Specifications
- Pros & Cons
- Minimum Credit Limit : $2,000
- Minimum Income : $35,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 0.75 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
No Annual Fee
No Points Earn Cap
0.75 point-per-dollar rate is reasonable for a $0-annual fee card
Generally fewer sign-up bonus points compared to other cards
Low Interest-Free Period (44 Days)
Qantas American Express Ultimate
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit : $3,000
- Minimum Income : $65,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
Regular Bonus Point Offers (currently 55,000)
High Points Earn Rate
Uncapped Annual Points Accrual
$450 yearly Qantas Travel Credit
Two complimentary Qantas Lounge invitations
High Annual Fee ($450)
Only 44 days Interest-Free Period
1% Balance Transfer Establishment Fee
$65,000 minimum income requirement
Reviewers commonly complain that AmEx is not accepted everywhere
Coles Rewards Mastercard
- Specifications
- Pros & Cons
- Benefits: No Foreign Transaction Fee and Sign-Up Bonus Points Offer
- Rewards Program: flybuys and Velocity Frequent Flyer
- Points Earn Rates : 2 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
120,000 Bonus Points when you apply by 31 January 2020 and spend $3,000 in the first 90 days from approval
No International Transaction Fee
Earn 2 flybuys Points per $1 on eligible spend
$10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points
0% p.a. on balance transfers for 14 months
Relatively high $99 Annual Fee
$30 Late Payment Fee
Westpac Low Rate
- Specifications
- Pros & Cons
- Minimum Credit Limit : $500
- Maximum Credit Limit : $25,000
- Minimum Income : $15,000
- Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
0% p.a on Balance Transfers for 16 months & No Balance Transfer Fee
Low $59 Annual Fee & Low Interest Rate of 13.74% p.a. on purchases
One additional cardholder at no extra cost
3% Foreign Transaction Fee
Coles No Annual Fee MasterCard
- Specifications
- Pros & Cons
- Benefits: Introductory Interest Rate
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $60,000
- Minimum Income : $25,000
- Rewards Program: flybuys
- Points Earn Rates : 0.5 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
No annual fee
0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020
$10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points
Low flybuys points earn rate of 1 Flybuy Point per $2
2.5% International Transaction Fee
Relatively high 19.99% interest rate
Reviewers mention poor customer service should an issue arise
ANZ Platinum
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Reduced First Year Annual Fee
- Minimum Credit Limit : $6,000
- Minimum Income : $35,000
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
0% p.a. on Balance Transfers for the first 18 months
$0 Annual Fee in the first year
Ongoing Annual Fee Waiver: $0 if you make $20,000 in eligible purchases on the card in 12 months
Complimentary Overseas Travel Insurance and Purchase Security Insurance
Add up to 9 Additional Cardholders at no additional cost
2% Balance Transfer Fee
3% International Transaction Fee
No attached rewards program
ANZ First
- Specifications
- Pros & Cons
- Minimum Credit Limit : $1,000
- Minimum Income : $15,000
- Rewards Program: ANZ Rewards
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Low $30 Annual Fee (waived for full-time tertiary students)
0% p.a. on Balance Transfers for 18 months
Low minimum credit limit of $1,000 ($500 for students)
2% Balance Transfer Fee
3% Foreign Transaction Fee
American Express Explorer
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit : $3,000
- Minimum Income : $65,000
- Rewards Program: American Express Membership Rewards
- Points Earn Rates : 2 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$400 Travel Credit each year
0% p.a. on Balance Transfers for the first 12 months
Two complimentary entries per year to the American Express Lounge at Sydney or Melbourne International Airports
Earn up to 2 Membership Rewards points per $1
Complimentary Travel Insurance
$395 Annual Fee
1% Balance Transfer Fee
Citibank Citi Rewards Platinum
- Specifications
- Pros & Cons
- Benefits: Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Maximum Credit Limit : $100,000
- Minimum Income : $35,000
- Rewards Program: Citi Rewards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
Multiple Promotional Offers to choose from (see Details) if you apply by 31 January 2020
Points Earn Rate: 1 Citi Point per $1 spent
Linked Diners Club Card has No International Transaction Fees and 2 Citi Points per $1 spent earn rate
0% on Balance Transfers for either 12, 15 or 26 months
Reduced $0 or $49 Annual Fee in your first year
$149 or $199 Annual Fee after your first year
3.4% International Transaction Fee
1% or 1.5% Balance Transfer Fee may apply depending on which sign-up offer you choose
ANZ Low Rate
- Specifications
- Pros & Cons
- Minimum Credit Limit : $1,000
- Minimum Income : $15,000
- Rewards Program: ANZ Rewards
- Contactless Payments: Apple Pay and Google Pay
Low Interest Rate of 12.49% p.a. on purchases
Low Annual Fee of $58
0% on Balance Transfers for 15 months & No Balance Transfer Fee
Up to 3 Additional Cardholders at no additional cost
3% Foreign Transaction Fee
Balance Transfers revert to the high Cash Advance Rate of 20.24% at the end of the offer period
Woolworths Everyday Platinum
- Specifications
- Pros & Cons
- Benefits: Reduced First Year Annual Fee
- Minimum Credit Limit : $6,000
- Minimum Income : $30,000
- Points Earn Rates : 3 points per $1
- Contactless Payments: Apple Pay
$10 off at Woolworths for 2,000 points (min. $667 spend)
10% off one shop at Woolworths each month
Regular promotions to waive the annual fee for the first year
Points earned are not the same as regular Woolworths Rewards points
Points cannot be converted to Qantas Frequent Flyer points
American Express Essential
- Specifications
- Pros & Cons
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $25,000
- Minimum Income : $40,000
- Rewards Program: American Express Membership Rewards
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases
Earn up to 1.25 Membership Rewards Points per $1
0% p.a. on Balance Transfers for the first 12 months
Smartphone Screen Insurance
Add up to 4 Additional Cards at no extra cost
3% Balance Transfer Fee
3% Currency Conversion Fee
American Express Platinum Edge
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Travel Credit
- Minimum Credit Limit : $3,000
- Minimum Income : $50,000
- Rewards Program: American Express Membership Rewards
- Points Earn Rates : 3 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$200 Travel Credit each year
Earn up to 3 Membership Rewards Points per $1
0% p.a. on Balance Transfers for the first 12 months
Complimentary Travel Insurance
Add up to 4 Cards at no additional cost
$195 Annual Fee
1% Balance Transfer Fee
HSBC Platinum
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Introductory Interest Rate
- Minimum Credit Limit : $6,000
- Minimum Income : $40,000
- Rewards Program: HSBC Rewards Plus
- Points Earn Rates : 2 points per $1
- Contactless Payments: Apple Pay and Google Pay
0% p.a. Interest Rate on purchases for the first 12 months
0% p.a. on Balance Transfers for 12 months, 0% Balance Transfer Fee
Refunded $129 Annual Fee if you spend $6,000 or more on purchases each year
Earn up to 2 Rewards Plus Points per dollar
Complimentary Insurances, including Domestic and International Travel Insurance
3% Overseas Exchange Fees
Earning Points capped at 10,000 per statement period
Balance Transfers revert to the high Cash Advance Rate of 21.99% p.a.
American Express Velocity Platinum
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $3,000
- Maximum Credit Limit : $10,000
- Minimum Income : $65,000
- Rewards Program: Velocity Frequent Flyer
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
50,000 bonus Velocity Points on offer
Complimentary Virgin Australia return economy domestic flight and lounge passes each anniversary year
Complimentary Travel Insurance
0% p.a. on Balance Transfers for the first 12 months
$375 Annual Fee
1% Balance Transfer Fee
3% International Transaction Fee
NAB Low Rate
- Specifications
- Pros & Cons
- Benefits: Introductory Interest Rate
- Minimum Credit Limit : $500
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
$59 Annual Fee, 13.99% Standard Purchase Rate
0% p.a. on Purchases and Balance Transfers for 6 months
Minimum Credit Limit of $500
Add an Additional Cardholder at no extra cost
2% Balance Transfer Fee
3% Foreign Transaction Fee
Balance Transfer Rate at the end of the offer period reverts to the Cash Advance Rate of 21.74% p.a.
Citibank Citi Rewards Signature
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Maximum Credit Limit : $100,000
- Minimum Income : $75,000
- Rewards Program: Citi Rewards
- Points Earn Rates : 2 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
Up to 120,000 Bonus Rewards Points on offer
0% p.a. on Balance Transfers for 15 months
Earn up to 2 Citi Rewards Points per $1 spent
Linked Diners Club Card includes uncapped earn rate of 2 Points per $1 and No International Transaction Fees
Complimentary International Travel Insurance and Two Airport Lounge Passes each year
High $199 Annual Fee in the first year & $395 for each subsequent year
1% Balance Transfer Fee
3.4% International Transaction Fee
Minimum Credit Limit of $15,000
American Express Velocity Escape
- Specifications
- Pros & Cons
- Benefits: Reduced First Year Annual Fee
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $25,000
- Minimum Income : $40,000
- Rewards Program: Velocity Frequent Flyer
- Points Earn Rates : 0.75 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$0 Annual Fee
0% p.a. on Balance Transfers for the 12 months
Earn up to 0.75 Velocity Points per $1 spent, uncapped
1% Balance Transfer Fee
3% Foreign Transaction Fee
Qantas Premier Everyday
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $4,000
- Maximum Credit Limit : $30,000
- Minimum Income : $35,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay and Samsung Pay
Up to 42,000 Bonus Qantas Points on offer
$29 Annual Fee for the first year
0% p.a. on Balance Transfers for 12 months
Earn up to 1 Qantas Point per $1 spent
Complimentary Travel Insurance
3% Foreign Transaction Fee
Minimum spend of $1,00 per month is required to receive 7,000 Bonus Qantas Points each month for 6 months
Virgin Australia Velocity Flyer
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit : $6,000
- Maximum Credit Limit : $50,000
- Minimum Income : $35,000
- Rewards Program: Velocity Frequent Flyer
- Points Earn Rates : 0.66 points per $1
- Contactless Payments: Samsung Pay
Multiple Promotional Offers to choose from (see Details below) if you apply by 02 December 2022
$129 Virgin Australia Gift Voucher each year
Earn Velocity Points at a rate of 0.66 points per $1 spent up to $1,500 per statement period
3.3% International Transaction Fee
Earn Rate drops to 0.5 points per $1 spent after the first $1,500 per statement period
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