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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%
76 listings
Bankwest More World Mastercard
- Pros & Cons
- Review Summary
- Specifications
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
0% on Balance Transfers for the first 6 months
$270 Annual Fee
1% Balance Transfer Fee
Minimum spend of $84,000 on eligible purchases required each anniversary year to receive annual bonus points
- Transparency 5.0 (1)
- Rewards5.0 (1)
- Online Experience5.0 (1)
- Customer Service5.0 (1)
- Rates and Fees5.0 (1)
- Application Process5.0 (1)
- BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit $12,000
- Minimum Income $76,000
- Rewards ProgramBankWest More Rewards
- Points Earn Rate 2.5 points per $1
- Contactless PaymentsApple Pay, Google Pay and Samsung Pay
- Balance Transfer Period 6 months
- Balance Transfer Rate 0% p.a.
- Balance Transfer Fee 1%
Bank of Queensland Blue Visa
- Pros & Cons
- Review Summary
- Specifications
$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
- Transparency 5.0 (1)
- Rewards5.0 (1)
- Online Experience5.0 (1)
- Customer Service5.0 (1)
- Rates and Fees3.0 (1)
- Application Process5.0 (1)
- BenefitsCashback Offer and Sign-Up Bonus Points Offer
- Maximum Credit Limit $10,000
- Minimum Income $25,000
- Rewards ProgramQ Rewards
- Points Earn Rate 1 points per $1
- Contactless PaymentsSamsung Pay
- Sign-Up Bonus $120 Cashback if you spend $500 per month on retail purchases for the first 3 months
- Balance Transfer Period 6 months
- Balance Transfer Rate 0% p.a.
- Balance Transfer Fee 0%
St.George No Annual Fee
- Pros & Cons
- Specifications
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
- Minimum Credit Limit $500
- Maximum Credit Limit $40,000
- Contactless PaymentsApple Pay, Google Pay and Samsung Pay
- Balance Transfer Period 12 months
- Balance Transfer Rate 0% p.a.
- Balance Transfer Fee 1%
St.George Vertigo
- Pros & Cons
- Review Summary
- Specifications
13.99% p.a. Interest Rate on purchases
0% p.a. on Balance Transfers for 16 months
3% Foreign Transaction Fee
- Transparency 4.5 (2)
- Rewards3.0 (1)
- Online Experience4.0 (2)
- Customer Service4.0 (2)
- Rates and Fees4.0 (2)
- Application Process4.5 (2)
- Contactless PaymentsApple Pay, Google Pay and Samsung Pay
- Balance Transfer Period 16 months
- Balance Transfer Rate 0% p.a.
- Balance Transfer Fee 0%
Bankwest Breeze Platinum Mastercard
- Pros & Cons
- Review Summary
- Specifications
$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
Complimentary Overseas Travel Insurance
$99 Annual Fee after your first year
No linked rewards program
- Transparency 4.0 (1)
- Online Experience5.0 (1)
- Customer Service5.0 (1)
- Rates and Fees4.0 (1)
- Application Process5.0 (1)
- Minimum Credit Limit $1,000
- Maximum Credit Limit $6,000
- Contactless PaymentsApple Pay
- Introductory Rate 0
- Balance Transfer Period 6 months
- Balance Transfer Rate 0% p.a.
- Balance Transfer Fee 9.9%
Qantas American Express Premium
Sign-Up Bonus Points30,000
- Pros & Cons
- Specifications
30,000 bonus Qantas Points on offer
Earn up to 1 Qantas Point for every $1 spent
0% on Balance Transfers for the first 12 months
$249 Annual Fee
1% Balance Transfer Fee
3% Foreign Transaction Fee
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $2,000
- Maximum Credit Limit $50,000
- Minimum Income $40,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
- Sign-Up Bonus Receive 30,000 bonus Qantas Points when you spend $3,000 with the first 3 months of card approval.
- Balance Transfer Period 12 months
- Balance Transfer Rate 0% p.a.
- Balance Transfer Fee 1%
Bank of Queensland Platinum Visa
Sign-Up Bonus Points1,000
- Pros & Cons
- Review Summary
- Specifications
$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
Complimentary Travel Insurance
$129 Annual Fee after your first year
3.4% International Transaction Fee
- Transparency 4.7 (3)
- Rewards3.0 (3)
- Online Experience4.7 (3)
- Customer Service4.3 (3)
- Rates and Fees4.0 (3)
- Application Process5.0 (2)
- BenefitsReduced First Year Annual Fee
- Rewards ProgramQ Rewards
- Points Earn Rate 2 points per $1
- Contactless PaymentsGoogle Pay and Samsung Pay
- Sign-Up Bonus 1,000 Bonus Q Rewards Points every month when you spend $1,000 per month on eligible transactions for the first 12 months
- Reduced First Year Annual Fee $0
- Balance Transfer Period 12 months
- Balance Transfer Rate 0% p.a.
St.George Amplify Platinum · includes 2 listings
Sign-Up Bonus Points60,000 to 100,000
- Pros & Cons
- Review Summary
- Specifications
100,000 Bonus Amplify Points or 60,000 Bonus Qantas Points on offer
Earn 1 Amplify Point or 0.5 Qantas Points per $1 spent on eligible purchases
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
- Transparency 4.0 (1)
- Rewards5.0 (1)
- Online Experience5.0 (1)
- Customer Service4.0 (1)
- Rates and Fees4.0 (1)
- Application Process3.0 (1)
- BenefitsSign-Up Bonus Points Offer
- Minimum Credit Limit $6,000
- Rewards ProgramAmplify Rewards and Qantas Frequent Flyer
- Points Earn Rate 0.5 to 1 points per $1
- Contactless PaymentsGoogle Pay and Samsung Pay
- Balance Transfer Period 6 months
- Balance Transfer Rate 0% p.a.
- Balance Transfer Fee 0%
Citibank Citi Signature Qantas
Sign-Up Bonus Points150,000
- Pros & Cons
- Review Summary
- Specifications
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
Complimentary Insurances, including International Travel Insurance
$444 Annual Fee after your first year
Minimum Credit Limit of $15,000
3.4% International Transaction Fee
- Transparency 4.3 (6)
- Rewards4.7 (3)
- Online Experience4.5 (6)
- Customer Service4.3 (6)
- Rates and Fees3.8 (5)
- Application Process4.3 (6)
- BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit $15,000
- Maximum Credit Limit $100,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay and Samsung Pay
- Sign-Up Bonus Receive up to 150,000 bonus Qantas Points (100,000 points when you spend $5,000 within 90 days from card approval, plus an additional 50,000 points after your first anniversary)
- Reduced First Year Annual Fee $0
- Balance Transfer Period 15 months
- Balance Transfer Rate 0% p.a.
- Balance Transfer Fee 1%
BankWest More Platinum MasterCard
- Pros & Cons
- Review Summary
- Specifications
Earn 75,000 Annual Bonus Points every year
Earn 2 points per $1 spent on eligible purchases
No Foreign Transaction Fees
Complimentary Travel and Shopping Insurances
0% p.a. on Balance Transfers for the first 6 months
$160 Annual Fee
Minimum $48,000 spend required each anniversary year to receive Bonus Points
1% Balance Transfer Fee
- Transparency 3.1 (7)
- Rewards3.5 (6)
- Online Experience4.0 (7)
- Customer Service3.6 (8)
- Rates and Fees3.5 (8)
- Application Process4.3 (7)
- BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit $6,000
- Maximum Credit Limit $50,000
- Minimum Income $65,000
- Rewards ProgramBankWest More Rewards
- Points Earn Rate 2 points per $1
- Contactless PaymentsApple Pay
- Balance Transfer Period 6 months
- Balance Transfer Rate 0% p.a.
- Balance Transfer Fee 1%
Citibank Citi Clear Platinum
- Pros & Cons
- Review Summary
- Specifications
No Annual Fee in your first year
0% p.a. for 9 months on purchases and balance transfers
Low Purchase Rate of 14.99% p.a.
Complimentary Purchase Cover and Extended Warranty Insurance
$99 Annual Fee after your first year
3.4% International Transaction Fee
No attached rewards program
- Transparency 4.0 (2)
- Online Experience4.0 (2)
- Customer Service3.5 (2)
- Rates and Fees4.0 (1)
- Application Process4.0 (2)
- BenefitsReduced First Year Annual Fee
- Maximum Credit Limit $100,000
- Minimum Income $35,000
- Rewards ProgramCiti Rewards
- Contactless PaymentsApple Pay and Samsung Pay
- Introductory Rate 0% p.a. for the first 9 months
- Reduced First Year Annual Fee $99
- Balance Transfer Period 14 months
- Balance Transfer Rate 0% p.a.
Suncorp Clear Options Platinum
- Pros & Cons
- Review Summary
- Specifications
Discounted $49 Annual Fee for your first year ($129 thereafter)
0% p.a. for 14 months on Balance Transfers
Earn 1.25 Rewards points per dollar spent
Complimentary International Travel Insurance and Extended Warranty Insurance
3.4% International Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate of 21.99% after 14 months
- Transparency 3.3 (6)
- Rewards3.5 (6)
- Online Experience3.0 (6)
- Customer Service3.2 (6)
- Rates and Fees2.9 (7)
- Application Process3.0 (6)
- BenefitsComplimentary Travel Insurance, Introductory Interest Rate and Reduced First Year Annual Fee
- Minimum Credit Limit $6,000
- Maximum Credit Limit $30,000
- Rewards ProgramSuncorp Rewards
- Points Earn Rate 1.25 points per $1
- Contactless PaymentsApple Pay, Google Pay and Samsung Pay
- Introductory Rate 0% p.a. for 14 months on Purchases
- Reduced First Year Annual Fee $49
- Balance Transfer Period 18 months
- Balance Transfer Rate 0% p.a.
BankWest More Classic MasterCard
- Pros & Cons
- Review Summary
- Specifications
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
- Transparency 3.0 (1)
- Online Experience4.0 (1)
- Customer Service5.0 (1)
- Rates and Fees4.0 (1)
- Application Process5.0 (1)
- BenefitsCashback Offer
- Minimum Credit Limit $1,000
- Maximum Credit Limit $25,000
- Minimum Income $19,000
- Rewards ProgramBankWest More Rewards
- Points Earn Rate 1.5 points per $1
- Contactless PaymentsApple Pay
- Balance Transfer Period 6 months
- Balance Transfer Rate 0% p.a.
- Balance Transfer Fee 1%
Westpac Altitude Business Gold
Sign-Up Bonus Points60,000
- Pros & Cons
- Specifications
0% Annual Card Fee for the first year
Earn up to 1 Altitude Point per $1 spent on eligible business purchases
Complimentary Business Inconvenience Insurance and Unauthorised Transaction Insurance
Complimentary Travel and Purchase-related Insurances
$150 Annual Card Fee after the first year
3% Foreign Transaction Fee
- BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Income $30,000
- Rewards ProgramQantas Frequent Flyer and Westpac Altitude Rewards
- Points Earn Rate 1 points per $1
- Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Sign-Up Bonus Receive 60,000 bonus Altitude Points when you spend $3,000 on eligible purchases within 90 days of card approval.
- Reduced First Year Annual Fee $0
- Balance Transfer Period 12 months
- Balance Transfer Rate 4.99% p.a.
Bank of Queensland Low Rate Visa
- Pros & Cons
- Specifications
Relatively low 13.49% p.a. Interest Rate on purchases and $55 Annual Fee
0% p.a. on Balance Transfers for 14 months
3.4% International Transaction Fee
No attached rewards program
- Minimum Income $25,000
- Contactless PaymentsSamsung Pay
- Introductory Rate 0% p.a. for 14 months
- Balance Transfer Period 14 months
- Balance Transfer Rate 0% p.a.
BankSA No Annual Fee Visa
- Pros & Cons
- Review Summary
- Specifications
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
- Transparency 3.5 (2)
- Online Experience4.0 (2)
- Customer Service4.5 (2)
- Rates and Fees3.0 (2)
- Application Process4.0 (2)
- Minimum Credit Limit $500
- Maximum Credit Limit $40,000
- Contactless PaymentsApple Pay, Google Pay and Samsung Pay
- Balance Transfer Period 12 months
- Balance Transfer Rate 0% p.a.
- Balance Transfer Fee 1%
HSBC Low Rate Credit Card
- Pros & Cons
- Review Summary
- Specifications
Low Interest Rate of 12.99% p.a. on purchases
No Overseas Transaction Fees
0% p.a. on Balance Transfers for 20 months
Complimentary Domestic Travel Insurance
Accessible Minimum Credit Limit of $1,000
$99 Annual Fee
2% Balance Transfer Fee
No attached rewards program
- Transparency 2.3 (3)
- Rewards1.0 (1)
- Online Experience2.0 (3)
- Customer Service2.7 (3)
- Rates and Fees2.7 (3)
- Application Process2.5 (2)
- BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit $1,000
- Minimum Income $20,000
- Contactless PaymentsApple Pay and Google Pay
- Balance Transfer Period 20 months
- Balance Transfer Rate 0% p.a.
- Balance Transfer Fee 2%
- Pros & Cons
- Review Summary
- Specifications
$30 Annual Card Fee
0% on Balance Transfers for 6 months
Complimentary Purchase Protection Insurance
Add an additional cardholder at no extra cost
2% Balance Transfer Fee
3% Foreign Transaction Fee
- Transparency 4.0 (4)
- Online Experience3.8 (4)
- Customer Service4.0 (4)
- Rates and Fees3.3 (4)
- Application Process4.3 (3)
- Minimum Credit Limit $500
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Balance Transfer Period 6 months
- Balance Transfer Rate 0% p.a.
- Balance Transfer Fee 2%
HSBC Platinum Qantas
- Pros & Cons
- Review Summary
- Specifications
$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
- Transparency 2.0 (3)
- Rewards4.0 (2)
- Online Experience2.4 (5)
- Customer Service3.0 (4)
- Rates and Fees3.5 (4)
- Application Process3.0 (4)
- BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
- Minimum Credit Limit $6,000
- Maximum Credit Limit $60,000
- Minimum Income $40,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay
- Reduced First Year Annual Fee $0
- Balance Transfer Period 12 months
- Balance Transfer Rate 0% p.a.
- Balance Transfer Fee 0%
Citibank Citi Prestige
Sign-Up Bonus Points150,000
- Pros & Cons
- Review Summary
- Specifications
150,000 Bonus Points on offer
Earn up to 3 Points for every $1 spent
Unlimited Airport Lounge Access and Complimentary Airport Transfer Service
Complimentary International Travel Insurance and Complimentary Hotel Stay
0% p.a. on Balance Transfers for 6 months
Add up to 4 Additional Cardholders at no extra cost
$700 Annual Fee
3.4% International Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate after 6 months
Minimum Credit Limit of $30,000
- Transparency 1.0 (1)
- Rewards3.0 (1)
- Online Experience1.0 (1)
- Customer Service1.0 (1)
- Rates and Fees4.0 (1)
- Application Process1.0 (1)
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $30,000
- Maximum Credit Limit $100,000
- Rewards ProgramCiti Rewards
- Points Earn Rate 3 points per $1
- Contactless PaymentsApple Pay and Samsung Pay
- Sign-Up Bonus Receive 150,000 Points when you spend $5,000 within the first 90 days of card approval
- Balance Transfer Period 6 months
- Balance Transfer Rate 0% p.a.