Best Balance Transfer Credit Cards

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%

69 listings

Best Balance Transfer Credit Card

Qantas American Express Discovery
Purchase Rate20.74% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 44 days
No Annual Fee
No Points Earn Cap
0.75 point-per-dollar rate is reasonable for a $0-annual fee card
  • Transparency
    4.3 (40)
  • Customer Service
    4.5 (38)
  • Rates and Fees
    4.3 (36)
  • Rewards
    4.1 (35)
  • Online Experience
    4.3 (36)
  • Application Process
    4.5 (37)
  • BenefitsTravel Credit
  • Minimum Credit Limit $2,000.00
  • Maximum Credit Limit $100,000.00
  • Minimum Income $35,000.00
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
Qantas American Express Ultimate
Purchase Rate20.74% p.a.
Annual Fee$450.00 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points100,000

Regular Bonus Point Offers
High Points Earn Rate
Uncapped Annual Points Accrual
$450 annual Qantas Travel Credit
Two complimentary Qantas Lounge invitations
High Annual Fee ($450)
1% Balance Transfer Establishment Fee
$65,000 minimum income requirement
Reviewers commonly complain that AmEx is not accepted everywhere
  • Transparency
    4.0 (41)
  • Customer Service
    4.3 (43)
  • Rates and Fees
    3.3 (43)
  • Rewards
    4.3 (42)
  • Online Experience
    4.0 (41)
  • Application Process
    4.2 (44)
  • Foreign Transaction Fee 3%
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000.00
  • Minimum Income $65,000.00
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
Commonwealth Bank Low Fee
3.9 from 46 reviews
Purchase Rate19.74% p.a.
Annual Fee$29.00 p.a.
Interest Free Period 55 days
$0 Annual Fee in the first year and waived in subsequent years when you spend $1,000 or more on purchases or cash advances in the previous year
Minimum credit limit of $500
3% International Transaction Fee
No attached rewards program
  • Transparency
    4.3 (37)
  • Customer Service
    4.2 (37)
  • Rates and Fees
    3.8 (37)
  • Rewards
    2.9 (13)
  • Online Experience
    4.3 (37)
  • Application Process
    4.3 (31)
  • Foreign Transaction Fee 3%
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $500.00
  • Maximum Credit Limit $50,000.00
  • Minimum Income $15,000.00
  • Introductory Rate 0% p.a. for the first 15 months
  • Reduced First Year Annual Fee $0.00
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 5 months
  • Balance Transfer Rate 5.99% p.a.
  • Balance Transfer Fee 0%
Bankwest Zero Platinum MasterCard
Purchase Rate17.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
$0 Annual Fee
No Foreign Transaction Fees
Complimentary Overseas Travel Insurance
2.99% p.a. on Balance Transfers for the first 9 months
No attached rewards program
  • Transparency
    4.4 (31)
  • Customer Service
    3.9 (33)
  • Rates and Fees
    4.5 (30)
  • Rewards
    2.1 (10)
  • Online Experience
    4.1 (33)
  • Application Process
    4.3 (30)
  • Foreign Transaction Fee 0%
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit $6,000.00
  • Maximum Credit Limit $50,000.00
  • Minimum Income $65,000.00
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 9 months
  • Balance Transfer Rate 2.99% p.a.
Commonwealth Bank Awards
3.5 from 86 reviews
Purchase Rate20.24% p.a.
Annual Fee$59.00 p.a.
Interest Free Period 55 days
Entry-level credit limit of $500 minimum
Low $59 Annual Fee
High Balance Transfer Rate (5.99%)
Awards points earn rate capped at 50,000 per annum
  • Transparency
    4.0 (51)
  • Customer Service
    4.2 (50)
  • Rates and Fees
    3.6 (50)
  • Rewards
    3.9 (39)
  • Online Experience
    4.4 (48)
  • Application Process
    4.2 (39)
  • Foreign Transaction Fee 3%
  • Minimum Credit Limit $500.00
  • Rewards ProgramCommBank Awards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 5 months
  • Balance Transfer Rate 5.99% p.a.

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Credit Card Awards 2020

Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. These are the top-rated credit cards this year, as decided by ProductReview.com.au reviewers.

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Westpac Low Rate
3.6 from 60 reviews
Purchase Rate13.74% p.a.
Annual Fee$59.00 p.a.
Interest Free Period 55 days
$400 Cashback with $1,000 minimum spend within 90 days of card approval
Low $59 Annual Fee & Low Interest Rate of 13.74% p.a. on purchases
One additional cardholder at no extra cost
0% p.a on Balance Transfers for 28 months
3% Foreign Transaction Fee
1% Balance Transfer Fee
  • Transparency
    4.0 (40)
  • Customer Service
    4.1 (41)
  • Rates and Fees
    3.7 (42)
  • Rewards
    3.4 (21)
  • Online Experience
    4.2 (37)
  • Application Process
    4.2 (37)
  • Foreign Transaction Fee 3%
  • BenefitsCashback Offer
  • Minimum Credit Limit $500.00
  • Maximum Credit Limit $25,000.00
  • Minimum Income $15,000.00
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 24 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
Coles No Annual Fee MasterCard
3.1 from 175 reviews
Purchase Rate19.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days

The Coles No Annual Fee Mastercard lets you collect Flybuys points when you make eligible purchases, and has up to 55 interest-free days and 0% p.a. on balance transfers for 12 months.

No annual fee
$10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points
Low flybuys points earn rate of 1 Flybuy Point per $2
Relatively high 19.99% interest rate
Reviewers mention poor customer service should an issue arise
  • Transparency
    3.6 (109)
  • Customer Service
    3.5 (112)
  • Rates and Fees
    4.1 (108)
  • Rewards
    3.8 (93)
  • Online Experience
    3.5 (107)
  • Application Process
    4.1 (94)
  • Foreign Transaction Fee 2.5%
  • Minimum Credit Limit $2,000.00
  • Maximum Credit Limit $60,000.00
  • Minimum Income $25,000.00
  • Rewards Programflybuys
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Balance Transfer Period 18 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1.5%
Virgin Money No Annual Fee Visa
Purchase Rate18.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
No Annual Fee
0% p.a. for 12 months on balance transfers
0% p.a. for 12 months on purchases
3.3% International Transaction Fee
You can't earn Velocity Points even though this card is issued by Virgin
Balance Transfer Rate at the end of the offer period reverts to the Cash Advance Rate of 20.99% p.a.
  • Transparency
    1.7 (23)
  • Customer Service
    1.7 (23)
  • Rates and Fees
    2.2 (19)
  • Rewards
    1.9 (14)
  • Online Experience
    1.8 (21)
  • Application Process
    2.2 (21)
  • Foreign Transaction Fee 3.3%
  • BenefitsIntroductory Interest Rate
  • Minimum Credit Limit $2,000.00
  • Minimum Income $25,000.00
  • Introductory Rate 0% p.a. for 12 months on purchases
  • Contactless PaymentsSamsung Pay
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
ANZ Platinum
3.4 from 27 reviews
Purchase Rate20.24% p.a.
Annual Fee$87.00 p.a.
Interest Free Period 55 days
0% p.a. for 25 months on purchases and $0 Annual Fee in the first year
Ongoing Annual Fee Waiver: $0 if you make $20,000 in eligible purchases on the card in 12 months
Complimentary Overseas Travel Insurance and Purchase Security Insurance
Add up to 9 Additional Cardholders at no additional cost
2% Balance Transfer Fee
3% International Transaction Fee
No attached rewards program
  • Transparency
    3.6 (16)
  • Customer Service
    3.6 (18)
  • Rates and Fees
    3.4 (18)
  • Rewards
    3.5 (6)
  • Online Experience
    3.7 (18)
  • Application Process
    3.8 (14)
  • Foreign Transaction Fee 3%
  • BenefitsComplimentary Travel Insurance, Introductory Interest Rate and Reduced First Year Annual Fee
  • Minimum Credit Limit $6,000.00
  • Minimum Income $35,000.00
  • Introductory Rate 0% p.a. for the first 17 months
  • Reduced First Year Annual Fee $0.00
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Coles Rewards Mastercard
2.7 from 158 reviews
Purchase Rate19.99% p.a.
Annual Fee$99.00 p.a.
Interest Free Period 55 days
20,000 bonus flybuy points on offer
$0 Annual Fee in your first year
$10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points
Earn 2 flybuys Points per $1 on eligible spend
0% p.a. on balance transfers for 18 months
Relatively high $99 Annual Fee
$30 Late Payment Fee
1.5% Balance Transfer Fee
  • Transparency
    3.0 (130)
  • Customer Service
    2.7 (137)
  • Rates and Fees
    3.2 (115)
  • Rewards
    3.7 (101)
  • Online Experience
    2.9 (123)
  • Application Process
    3.2 (110)
  • Foreign Transaction Fee 2.5%
  • BenefitsReduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $2,000.00
  • Rewards Programflybuys
  • Points Earn Rate 2 points per $1
  • Reduced First Year Annual Fee $0.00
  • Contactless PaymentsApple Pay and Samsung Pay
  • Balance Transfer Period 18 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1.5%
Commonwealth Bank Low Rate
4.4 from 12 reviews
Purchase Rate13.24% p.a.
Annual Fee$59.00 p.a.
Interest Free Period 55 days
Low purchase interest rate of 13.24%
Accessible minimum credit limit of $500
$59 Annual Fee
3% International Transaction Fee
No attached rewards program
5.99% p.a. on Balance Transfers for 5 months, reverting to the high Cash Advance Rate of 21.24% thereafter
  • Transparency
    4.3 (7)
  • Customer Service
    4.6 (7)
  • Rates and Fees
    4.4 (7)
  • Rewards
    2.7 (3)
  • Online Experience
    4.3 (7)
  • Application Process
    4.5 (8)
  • Foreign Transaction Fee 3%
  • BenefitsCashback Offer
  • Minimum Credit Limit $500.00
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 5 months
  • Balance Transfer Rate 5.99% p.a.
ANZ Low Rate
3.1 from 37 reviews
Purchase Rate12.49% p.a.
Annual Fee$58.00 p.a.
Interest Free Period 55 days
Low Interest Rate of 12.49% p.a. on purchases
$0 Annual Account Fee in First Year, $58 in subsequent years
0% on Balance Transfers for 30 months with no Balance Transfer Fee
Up to 3 Additional Cardholders at no additional cost
3% Foreign Transaction Fee
  • Transparency
    4.0 (13)
  • Customer Service
    3.9 (13)
  • Rates and Fees
    4.2 (13)
  • Rewards
    2.4 (5)
  • Online Experience
    4.0 (12)
  • Application Process
    3.8 (10)
  • Foreign Transaction Fee 3%
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $1,000.00
  • Minimum Income $15,000.00
  • Reduced First Year Annual Fee $0.00
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 30 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
Woolworths Everyday Platinum
2.6 from 381 reviews
Purchase Rate19.99% p.a.
Annual Fee$49.00 p.a.
Interest Free Period 55 days
$10 off at Woolworths for 2,000 points (min. $667 spend)
10% off one shop at Woolworths each month
Regular promotions to waive the annual fee for the first year
Points earned are not the same as regular Woolworths Rewards points
Points cannot be converted to Qantas Frequent Flyer points
  • Transparency
    3.6 (70)
  • Customer Service
    3.5 (73)
  • Rates and Fees
    3.5 (72)
  • Rewards
    3.9 (58)
  • Online Experience
    3.6 (65)
  • Application Process
    3.7 (63)
  • Foreign Transaction Fee 3%
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $6,000.00
  • Minimum Income $30,000.00
  • Points Earn Rate 3 points per $1
  • Reduced First Year Annual Fee $0.00
  • Contactless PaymentsApple Pay
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.
American Express Explorer
3.6 from 19 reviews
Purchase Rate20.74% p.a.
Annual Fee$395.00 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

Up to 50,000 bonus Membership Rewards points on offer
$400 Travel Credit each year
Two complimentary entries per year to the American Express Lounge at Sydney or Melbourne International Airports
Earn up to 2 Membership Rewards points per $1
Complimentary Travel Insurance
$395 Annual Fee
1% Balance Transfer Fee
  • Transparency
    4.1 (16)
  • Customer Service
    4.4 (15)
  • Rates and Fees
    3.1 (18)
  • Rewards
    3.9 (16)
  • Online Experience
    3.9 (18)
  • Application Process
    4.6 (14)
  • Foreign Transaction Fee 3%
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000.00
  • Minimum Income $65,000.00
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
St. George Amplify Signature

St. George Amplify Signature

 · includes 2 listings
3.6 from 20 reviews
Purchase Rate19.49% p.a.
Annual Fee$279.00 p.a.

Sign-Up Bonus Points90,000 to 200,000

200,000 Bonus Amplify Points or 90,000 Bonus Qantas Points on offer
Earn 1.5 Amplify Points or 0.75 Qantas 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 and 2 Lounge Passes each year
$379 Annual Fee
3% Overseas Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate of 19.74% after the first 6 months
  • Transparency
    4.1 (17)
  • Customer Service
    4.1 (17)
  • Rates and Fees
    3.8 (16)
  • Rewards
    4.5 (13)
  • Online Experience
    4.0 (17)
  • Application Process
    4.1 (18)
  • Foreign Transaction Fee 3%
  • BenefitsSign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000.00
  • Rewards ProgramQantas Frequent Flyer and Amplify Rewards
  • Points Earn Rate 0.75 to 1.5 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 24 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%

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How to get in front of credit card debt with a credit card balance transfer.

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BankWest Zero MasterCard Classic
Purchase Rate17.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
No annual fee
Accessible $1,000 minimum credit limit
0% p.a. for 34 months on balance transfers
2.95% foreign transaction fee
2% balance transfer fee
  • Transparency
    3.5 (22)
  • Customer Service
    3.3 (22)
  • Rates and Fees
    3.6 (22)
  • Rewards
    2.3 (8)
  • Online Experience
    3.2 (21)
  • Application Process
    3.9 (20)
  • Foreign Transaction Fee 2.95%
  • Minimum Credit Limit $1,000.00
  • Maximum Credit Limit $25,000.00
  • Minimum Income $20,000.00
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 34 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 2%
Commonwealth Bank Platinum Awards
Purchase Rate20.24% p.a.
Annual Fee$249.00 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points80,000

Up to 80,000 Bonus Awards Points on offer
Earn 1 Awards point for every $1 spent
International Travel Insurance included
$249 Annual Fee
3% International Transaction Fee
Points are capped at 150,000 points per year
  • Transparency
    3.5 (22)
  • Customer Service
    3.9 (22)
  • Rates and Fees
    2.7 (22)
  • Rewards
    2.9 (18)
  • Online Experience
    4.0 (22)
  • Application Process
    4.0 (16)
  • Foreign Transaction Fee 3%
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000.00
  • Maximum Credit Limit $50,000.00
  • Minimum Income $50,000.00
  • Rewards ProgramCommBank Awards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 5 months
  • Balance Transfer Rate 5.99% p.a.
  • Balance Transfer Fee 0%
ANZ First
2.9 from 34 reviews
Purchase Rate20.24% p.a.
Annual Fee$30.00 p.a.
Interest Free Period 55 days
Low $30 Annual Fee
0% p.a. for 12 months on purchases
Low minimum credit limit of $1,000
Up to 3 additional cardholders at no additional cost
20.24% Balance Transfer Rate & 2% Balance Transfer Fee
3% Foreign Transaction Fee
  • Transparency
    2.3 (14)
  • Customer Service
    2.3 (15)
  • Rates and Fees
    2.6 (11)
  • Rewards
    1.8 (5)
  • Online Experience
    2.5 (13)
  • Application Process
    2.1 (10)
  • Foreign Transaction Fee 3%
  • BenefitsIntroductory Interest Rate
  • Minimum Credit Limit $1,000.00
  • Minimum Income $15,000.00
  • Rewards ProgramANZ Rewards
  • Introductory Rate 0% pa. for the first 12 months
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Rate 20.24% p.a.
  • Balance Transfer Fee 2%
American Express Platinum Edge
Purchase Rate20.74% p.a.
Annual Fee$195.00 p.a.
Interest Free Period 55 days
$200 Travel Credit each year
$0 Annual Card Fee in the first 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
1% Balance Transfer Fee
  • Transparency
    3.3 (11)
  • Customer Service
    3.3 (12)
  • Rates and Fees
    2.8 (12)
  • Rewards
    2.9 (10)
  • Online Experience
    3.5 (12)
  • Application Process
    3.7 (11)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Travel Credit
  • Minimum Credit Limit $3,000.00
  • Minimum Income $50,000.00
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 3 points per $1
  • Reduced First Year Annual Fee $0.00
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
NAB Low Rate
3.0 from 19 reviews
Purchase Rate12.99% p.a.
Annual Fee$59.00 p.a.
Interest Free Period 55 days
$59 Annual Fee, 12.99% Standard Purchase Rate
0% p.a. on Balance Transfers for 20 months
Minimum Credit Limit of $500
Add an Additional Cardholder at no extra cost
2% Balance Transfer Fee
3% Foreign Transaction Fee
  • Transparency
    3.7 (10)
  • Customer Service
    3.7 (10)
  • Rates and Fees
    3.7 (10)
  • Rewards
    2.8 (5)
  • Online Experience
    4.0 (10)
  • Application Process
    3.7 (10)
  • Foreign Transaction Fee 3%
  • Minimum Credit Limit $500.00
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 20 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 2%
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