Best Balance Transfer Credit Cards

Multiple Promotional Offers to choose from (see Details below)

$129 Virgin Australia Gift Voucher each year

3.3% International Transaction Fee

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

Earn up to 3 Points per dollar (see Details), uncapped

0% p.a. on Balance Transfers for 6 months

$195 Annual Fee

2% Balance Transfer Fee

30,000 Bonus Qantas Points when you spend $2,500 on everyday purchases in the first 60 days of account opening

Points Earn Rate: 1 Qantas Point per $1.50 up to $3,000 per statement period

0% on Balance Transfers for 6 months

$250 Annual Fee

3% International Transaction Fee

2% Balance Transfer Fee

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

No Annual Card Fee and No Late Payment Fee

0% p.a. Balance Transfers for 6 months

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

115,000 Bonus Points on offer every anniversary year

Earn 2.5 More Rewards Points per $1 spent on eligible purchases

No Foreign Transaction Fees

Complimentary Travel Insurance and Shopping Insurances

$270 Annual Fee

1% Balance Transfer Fee

$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

3.4% International Transaction 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

$0 first year Annual Fee

Low Ongoing Purchase Rate of 9.90% p.a.

0% p.a. on Balance Transfers for 6 months

No Foreign Transaction Fees

$99 Annual Fee after your first year

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

$179 Annual Card Fee for the first year ($279 thereafter)

3% Overseas Transaction Fee

30,000 bonus Qantas Points on offer

Earn up to 1 Qantas Point for every $1 spent

$249 Annual Fee

1% Balance Transfer Fee

100,000 Bonus Amplify Points on offer

Earn 1 Amplify Point per $1 spent, uncapped

Complimentary Travel Insurance and Extended Warranty Insurance

$99 Annual Card Fee

3% Overseas Transaction 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