Best Balance Transfer Credit Cards

$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

$195 Annual Fee

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

3% Overseas Exchange Fees

Earning Points capped at 10,000 per statement period

50,000 bonus Velocity Points on offer

Complimentary Virgin Australia return economy domestic flight and lounge passes each anniversary year

Complimentary Travel Insurance

$375 Annual Fee

1% Balance Transfer Fee

$59 Annual Fee, 13.99% Standard Purchase Rate

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

Minimum Credit Limit of $500

2% Balance Transfer Fee

3% Foreign Transaction Fee

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

High $199 Annual Fee in the first year & $395 for each subsequent year

1% Balance Transfer Fee

3.4% International Transaction Fee

$0 Annual Fee

0% p.a. on Balance Transfers for the 12 months

1% Balance Transfer Fee

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

3% Foreign Transaction Fee

Multiple Promotional Offers to choose from (see Details below) if you apply by 02 December 2022

$129 Virgin Australia Gift Voucher each year

3.3% International Transaction Fee

Uncapped Myer One credit earn rate

6 months interest free on purchases of $250 or more at Myer

Not that useful if you don't regularly shop at Myer

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

Flexibility to choose between Jetstar Dollars or Qantas Frequent Flyer rewards

Low 14.99% purchase rate

$69 annual fee after the first year

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

Stack the QFF points earned with this card with normal Woolworths Rewards points

0% balance transfer rate for 14 months

0% p.a. balance transfer for 14 months

No international transaction fees

Introductory Offer: 0% p.a. on purchases for 14 months

Choose between Qantas Frequent Flyer or Amplify points programs

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