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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%
13 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)
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
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
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
American Express Low Rate
- Specifications
- Pros & Cons
- Minimum Credit Limit : $1,000
- Minimum Income : $50,000
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$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
Bank of Queensland Blue Visa
- Specifications
- Pros & Cons
- Benefits: Cashback Offer and Sign-Up Bonus Points Offer
- Maximum Credit Limit : $10,000
- Minimum Income : $25,000
- Rewards Program: Q Rewards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Samsung Pay
$60 Annual Fee
$120 cash back if you spend $500 per month on retail purchases for the first 3 months
Earn 1 Q Rewards Point for every dollar spent on eligible transactions
0% on Balance Transfers for 6 months
Purchase Cover Insurance and Guaranteed Pricing Scheme
3.4% International Transaction Fee
Balance Transfer Rate reverts to the high Cash Advance Rate of 21.74% p.a. after the promotional period
St.George No Annual Fee
- Specifications
- Pros & Cons
- Minimum Credit Limit : $500
- Maximum Credit Limit : $40,000
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
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
St.George Vertigo
- Specifications
- Pros & Cons
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
13.99% p.a. Interest Rate on purchases
0% p.a. on Balance Transfers for 16 months
3% Foreign Transaction Fee
St.George Amplify Platinum - Amplify Rewards
- Specifications
- Pros & Cons
- Benefits: Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Rewards Program: Amplify Rewards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Google Pay and Samsung Pay
100,000 Bonus Amplify Points on offer
Earn 1 Amplify Point per $1 spent, uncapped
Complimentary Travel Insurance and Extended Warranty Insurance
0% for 6 months on Balance Transfers & No Balance Transfer Fee
$99 Annual Card Fee
3% Overseas Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate after the first 6 months
BankWest More Classic MasterCard
- Specifications
- Pros & Cons
- Benefits: Cashback Offer
- Minimum Credit Limit : $1,000
- Maximum Credit Limit : $25,000
- Minimum Income : $19,000
- Rewards Program: BankWest More Rewards
- Points Earn Rates : 1.5 points per $1
- Contactless Payments: Apple Pay
Earn 19.5k Annual Bonus Points every year
Earn 1.5 Rewards Points per $1 spent on eligible purchases
0% p.a. on Balance Transfers for the first 6 months
Accessible Minimim Credit Limit of $1,000
$100 Annual Fee
2.95% Foreign Transaction Fee
Minimum $24,000 spend required each anniversary year to receive Bonus Points
BankSA No Annual Fee Visa
- Specifications
- Pros & Cons
- Minimum Credit Limit : $500
- Maximum Credit Limit : $40,000
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
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
HSBC Platinum Qantas
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Reduced First Year Annual Fee
- Minimum Credit Limit : $6,000
- Maximum Credit Limit : $60,000
- Minimum Income : $40,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay
$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
St.George Amplify Platinum - Qantas Frequent Flyer
- Specifications
- Pros & Cons
- Benefits: Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 0.5 points per $1
- Contactless Payments: Google Pay and Samsung Pay
60,000 Bonus Qantas Points on offer
Earn 0.5 points per $1 on eligible purchases
0% on Balance Transfers for 6 months & No Balance Transfer Fee
3% Overseas Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate after 6 months