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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
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
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.
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
Virgin Australia Velocity High Flyer
- Specifications
- Pros & Cons
- Benefits: Complimentary 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 Program: Velocity Frequent Flyer
- Points Earn Rates : 1 points per $1
- Contactless Payments: Samsung Pay
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
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 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
St.George Amplify Signature - Amplify Rewards
- Specifications
- Pros & Cons
- Benefits: Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $15,000
- Rewards Program: Amplify Rewards
- Points Earn Rates : 1.5 points per $1
- Contactless Payments: Google Pay and Samsung Pay
200,000 Bonus Amplify Points on offer
Earn 1.5 Amplify Points for each dollar spent on eligible purchases, uncapped. Plus, receive Birthday Bonus Points
0% pa. on Balance Transfers for 6 months
Complimentary Insurance Covers for Overseas Travel, Extended Warranty, Purchase Protection and Price Guarantee
2 Complimentary Priority Pass Lounge Visits each year
$179 Annual Card Fee for the first year ($279 thereafter)
3% Overseas Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate of 21.49% after the first 6 months
St.George Amplify Signature - Qantas Frequent Flyer
- Specifications
- Pros & Cons
- Benefits: Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $15,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 0.75 points per $1
- Contactless Payments: Google Pay
90,000 Qantas bonus points on offer
Earn 0.75 points per $1 spent on eligible purchases, uncapped. Plus, receive Birthday Bonus Points
0% on Balance Transfers for 6 months
Complimentary Travel Insurance and Extended Warranty
$179 Annual Card Fee for the first year ($179 thereafter)
3% Overseas Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate of 21.49% after the first 6 months
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
Citibank Emirates Citi World Mastercard
- 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: Emirates Skywards
- Points Earn Rates : 1.5 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
Up to 60,000 Bonus Skywards Miles on offer
Earn up to 1.5 Skywards Miles per dollar
5 Complimentary Insurances including International Travel Insurance
Two Complimentary Lounge Passes and Airport Transfers each year
0% p.a. on Balance Transfers for 9 months
World Golf Benefits
$299 Annual Fee ($149 in your first year)
3.4% International Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate after the first 9 months
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