??!

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.

Read More...

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%

Go to first result

67 listings

Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.3 from 52 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 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

  • Generally fewer sign-up bonus points compared to other cards

  • Low Interest-Free Period (44 Days)

  • Transparency
    4.4 (37)
  • Customer Service
    4.7 (35)
  • Rates and Fees
    4.3 (36)
  • Rewards
    4.2 (33)
  • Online Experience
    4.4 (34)
  • Application Process
    4.6 (34)
  • BenefitsTravel Credit
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $100,000
  • Minimum Income $35,000
  • 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

Qantas American Express Ultimate

3.9 from 68 reviews
Purchase Rate20.74% p.a.
Annual Fee$450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points55,000

  • 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
    4.2 (38)
  • Customer Service
    4.5 (40)
  • Rates and Fees
    3.5 (40)
  • Rewards
    4.5 (39)
  • Online Experience
    4.2 (38)
  • Application Process
    4.4 (41)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $65,000
  • 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

Commonwealth Bank Low Fee

4.0 from 45 reviews
Purchase Rate19.74% p.a.
Annual Fee$29 p.a.
Interest Free Period 55 days
  • 0% p.a on purchases for 15 months if you apply by 25 February 2021

  • $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
    4.4 (36)
  • Customer Service
    4.3 (36)
  • Rates and Fees
    3.9 (36)
  • Rewards
    3.1 (12)
  • Online Experience
    4.4 (36)
  • Application Process
    4.4 (30)
  • BenefitsIntroductory Interest Rate and Reduced First Year Annual Fee
  • Minimum Credit Limit $500
  • Maximum Credit Limit $50,000
  • Minimum Income $15,000
  • Introductory Rate 0% p.a. for the first 15 months
  • Reduced First Year Annual Fee $0
  • 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

Bankwest Zero Platinum MasterCard

3.9 from 44 reviews
Purchase Rate17.99% p.a.
Annual Fee$0 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
    4.5 (31)
  • Customer Service
    4.1 (33)
  • Rates and Fees
    4.5 (31)
  • Rewards
    2.2 (9)
  • Online Experience
    4.2 (33)
  • Application Process
    4.4 (31)
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $50,000
  • Minimum Income $65,000
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 9 months
  • Balance Transfer Rate 2.99% p.a.
Commonwealth Bank Awards

Commonwealth Bank Awards

3.5 from 85 reviews
Purchase Rate20.24% p.a.
Annual Fee$59 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
    4.1 (49)
  • Customer Service
    4.3 (49)
  • Rates and Fees
    3.6 (49)
  • Rewards
    4.1 (37)
  • Online Experience
    4.4 (48)
  • Application Process
    4.2 (39)
  • Minimum Credit Limit $500
  • 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.
Westpac Low Rate

Westpac Low Rate

3.6 from 59 reviews
Purchase Rate13.74% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • 0% p.a on Balance Transfers for 24 months

  • Low $59 Annual Fee & Low Interest Rate of 13.74% p.a. on purchases

  • One additional cardholder at no extra cost

  • $200 Cashback with $1,000 minimum spend within 90 days of card approval

  • 3% Foreign Transaction Fee

  • 1% Balance Transfer Fee

  • Transparency
    4.1 (39)
  • Customer Service
    4.2 (40)
  • Rates and Fees
    3.8 (41)
  • Rewards
    3.4 (21)
  • Online Experience
    4.3 (36)
  • Application Process
    4.2 (37)
  • BenefitsCashback Offer
  • Minimum Credit Limit $500
  • Maximum Credit Limit $25,000
  • Minimum Income $15,000
  • 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

Coles No Annual Fee MasterCard

3.1 from 169 reviews
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • No annual fee

  • 0% p.a. balance transfers for 12 months when you apply by 31 March 2021

  • $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

  • 2.5% International Transaction Fee

  • Relatively high 19.99% interest rate

  • Reviewers mention poor customer service should an issue arise

  • Transparency
    3.7 (106)
  • Customer Service
    3.6 (107)
  • Rates and Fees
    4.1 (105)
  • Rewards
    3.8 (90)
  • Online Experience
    3.5 (104)
  • Application Process
    4.1 (91)
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $60,000
  • Minimum Income $25,000
  • 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%
Coles Rewards Mastercard

Coles Rewards Mastercard

3.2 from 121 reviews
Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Earn 2 flybuys Points per $1 on eligible spend

  • $0 Annual Fee

  • $10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points

  • 0% p.a. on balance transfers for 18 months

  • Relatively high $99 Annual Fee

  • $30 Late Payment Fee

  • 1.5% Balance Transfer Fee

  • Transparency
    3.4 (101)
  • Customer Service
    3.2 (105)
  • Rates and Fees
    3.5 (98)
  • Rewards
    4.0 (85)
  • Online Experience
    3.4 (97)
  • Application Process
    3.6 (89)
  • Minimum Credit Limit $2,000
  • Rewards Programflybuys
  • Points Earn Rate 2 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%
ANZ Platinum

ANZ Platinum

3.6 from 27 reviews
Purchase Rate20.24% p.a.
Annual Fee$87 p.a.
Interest Free Period 55 days
  • 0% p.a. for 17 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
    3.8 (15)
  • Customer Service
    3.7 (17)
  • Rates and Fees
    3.5 (17)
  • Rewards
    3.6 (5)
  • Online Experience
    3.9 (17)
  • Application Process
    3.8 (14)
  • BenefitsComplimentary Travel Insurance, Introductory Interest Rate and Reduced First Year Annual Fee
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Introductory Rate 0% p.a. for the first 17 months
  • Reduced First Year Annual Fee $0
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

2.8 from 170 reviews
Purchase Rate18.99% p.a.
Annual Fee$0 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
    1.8 (22)
  • Customer Service
    1.8 (22)
  • Rates and Fees
    2.2 (19)
  • Rewards
    1.9 (14)
  • Online Experience
    1.9 (20)
  • Application Process
    2.3 (20)
  • BenefitsIntroductory Interest Rate
  • Minimum Credit Limit $2,000
  • Minimum Income $25,000
  • 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%
American Express Explorer

American Express Explorer

4.2 from 14 reviews
Purchase Rate20.74% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points150,000

  • Up to 150,000 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
    4.2 (13)
  • Customer Service
    4.6 (12)
  • Rates and Fees
    3.5 (13)
  • Rewards
    4.0 (12)
  • Online Experience
    4.4 (13)
  • Application Process
    4.7 (11)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $65,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
ANZ Low Rate

ANZ Low Rate

3.2 from 36 reviews
Purchase Rate12.49% p.a.
Annual Fee$58 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 25 months

  • Up to 3 Additional Cardholders at no additional cost

  • 3% Foreign Transaction Fee

  • 1.5% Balance Transfer Fee and rate reverts to the high Cash Advance Rate of 20.24% at the end of the offer period

  • Transparency
    4.1 (12)
  • Customer Service
    4.2 (12)
  • Rates and Fees
    4.2 (12)
  • Rewards
    2.8 (4)
  • Online Experience
    4.3 (11)
  • Application Process
    4.1 (9)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $1,000
  • Minimum Income $15,000
  • Rewards ProgramANZ Rewards
  • Reduced First Year Annual Fee $0
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 25 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1.5%
ANZ First

ANZ First

3.4 from 26 reviews
Purchase Rate20.24% p.a.
Annual Fee$30 p.a.
Interest Free Period 55 days
  • Low $30 Annual Fee

  • 0% p.a. on Balance Transfers for 18 months

  • Low minimum credit limit of $1,000

  • Up to 3 additional cardholders at no additional cost

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • Transparency
    3.6 (7)
  • Customer Service
    3.5 (8)
  • Rates and Fees
    3.6 (7)
  • Rewards
    5.0 (1)
  • Online Experience
    3.9 (7)
  • Application Process
    3.8 (4)
  • Minimum Credit Limit $1,000
  • Minimum Income $15,000
  • Rewards ProgramANZ Rewards
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 18 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 2%
Commonwealth Bank Low Rate
  • Award Winner 2020

Commonwealth Bank Low Rate

4.4 from 12 reviews
Purchase Rate13.24% p.a.
Annual Fee$59 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)
  • BenefitsCashback Offer
  • Minimum Credit Limit $500
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 5 months
  • Balance Transfer Rate 5.99% p.a.
Woolworths Everyday Platinum

Woolworths Everyday Platinum

2.6 from 372 reviews
Purchase Rate19.99% p.a.
Annual Fee$49 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
    3.8 (63)
  • Customer Service
    3.6 (66)
  • Rates and Fees
    3.6 (66)
  • Rewards
    3.9 (53)
  • Online Experience
    3.8 (60)
  • Application Process
    3.8 (60)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $6,000
  • Minimum Income $30,000
  • Points Earn Rate 3 points per $1
  • Reduced First Year Annual Fee $0
  • Contactless PaymentsApple Pay
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.
St. George Amplify Signature

St. George Amplify Signature · includes 2 listings

3.8 from 17 reviews
Purchase Rate19.74% p.a.
Annual Fee$279 p.a.

Sign-Up Bonus Points80,000 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
    4.4 (14)
  • Customer Service
    4.5 (14)
  • Rates and Fees
    3.9 (14)
  • Rewards
    4.7 (11)
  • Online Experience
    4.3 (14)
  • Application Process
    4.4 (15)
  • BenefitsSign-Up Bonus Points Offer and Reduced First Year Annual Fee
  • Minimum Credit Limit $15,000
  • Rewards ProgramQantas Frequent Flyer and Amplify Rewards
  • Points Earn Rate 0.75 to 1.5 points per $1
  • Reduced First Year Annual Fee $139 and $179
  • Contactless PaymentsApple Pay, Samsung Pay and Google Pay
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
BankWest Zero MasterCard Classic

BankWest Zero MasterCard Classic

2.9 from 48 reviews
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • No annual fee

  • Accessible $1,000 minimum credit limit

  • 2.95% foreign transaction fee

  • Transparency
    3.7 (21)
  • Customer Service
    3.4 (21)
  • Rates and Fees
    3.8 (21)
  • Rewards
    2.4 (7)
  • Online Experience
    3.4 (20)
  • Application Process
    4.1 (19)
  • Minimum Credit Limit $1,000
  • Maximum Credit Limit $25,000
  • Minimum Income $20,000
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 9 months
  • Balance Transfer Rate 2.99% p.a.
Commonwealth Bank Platinum Awards

Commonwealth Bank Platinum Awards

2.9 from 35 reviews
Purchase Rate20.24% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points80,000

  • 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)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $50,000
  • Minimum Income $50,000
  • 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%
American Express Platinum Edge

American Express Platinum Edge

2.6 from 63 reviews
Purchase Rate20.74% p.a.
Annual Fee$195 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

  • 50,000 Bonus Membership Rewards points on offer

  • $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

  • 1% Balance Transfer Fee

  • Transparency
    3.5 (10)
  • Customer Service
    3.5 (11)
  • Rates and Fees
    3.0 (11)
  • Rewards
    3.1 (9)
  • Online Experience
    3.7 (11)
  • Application Process
    4.0 (10)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $50,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 3 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%
HSBC Platinum

HSBC Platinum

2.8 from 33 reviews
Purchase Rate19.99% p.a.
Annual Fee$129 p.a.
Interest Free Period 55 days
  • 0% p.a. on Balance Transfers for 26 months and no annual fee in first year or 84,000 bonus Reward points on offer

  • 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.

  • Transparency
    3.7 (20)
  • Customer Service
    3.6 (20)
  • Rates and Fees
    4.1 (19)
  • Rewards
    3.7 (14)
  • Online Experience
    3.3 (20)
  • Application Process
    3.4 (20)
  • BenefitsComplimentary Travel Insurance
  • Minimum Credit Limit $6,000
  • Minimum Income $40,000
  • Rewards ProgramHSBC Rewards Plus
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 26 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
Page 1 of 4