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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, want a balance transfer credit card with an annual fee of at most $100, with a 0% balance transfer rate and a maximum balance transfer fee of 1%? Take a look at the results here.

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73 listings


Lombard Credit Card
  • Card Type: Visa
  • Benefits: Introductory Interest Rate
  • Minimum Credit Limit: $1,000
  • Minimum Income: $25,000
  • Contactless Payments: Apple Pay
  • Annual Fee: $99 p.a.
  • Interest Free Period: At least 55 days
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

Qantas American Express Discovery
  • Card Type: American Express
  • Minimum Credit Limit: $2,000
  • Minimum Income: $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rate: 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 44 days
  • Balance Transfer Period: 12 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1%
  • 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)


Commonwealth Bank Awards
  • Card Type: Mastercard
  • Minimum Credit Limit: $500
  • Rewards Program: CommBank Awards
  • Points Earn Rate: 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Annual Fee: $59 p.a.
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive 30,000 Bonus Awards Points when you apply by 31 October and spend $2,000 by 31 January 2020.
  • Balance Transfer Period: 5 months
  • Balance Transfer Rate: 5.99% p.a.
  • Entry-level credit limit of $500 minimum

  • Can earn either Commbank Awards points or Qantas Frequent Flyer points

  • High Balance Transfer Rate (5.99%)

  • Awards points earn rate capped at 50,000 per annum

  • Qantas points earn rate capped at 12,000 per annum

  • Switching to Qantas points program incurs an additional $30 annual fee


Qantas American Express Ultimate
  • Card Type: American Express
  • Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit: $3,000
  • Minimum Income: $65,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rate: 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Annual Fee: $450 p.a.
  • Interest Free Period: 44 days
  • Sign-Up Bonus: Receive 55,000 bonus Qantas Points when you spend $3,000 within the first 3 months.
  • Balance Transfer Period: 12 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1%
  • Regular Bonus Point Offers (currently 55,000)

  • High Points Earn Rate

  • Uncapped Annual Points Accrual

  • $450 yearly Qantas Travel Credit

  • Two complimentary Qantas Lounge invitations

  • High Annual Fee ($450)

  • Only 44 days Interest-Free Period

  • 1% Balance Transfer Establishment Fee

  • $65,000 minimum income requirement

  • Reviewers commonly complain that AmEx is not accepted everywhere


Coles Rewards Mastercard
  • Card Type: Mastercard
  • Benefits: No Foreign Transaction Fee
  • Rewards Program: flybuys and Velocity Frequent Flyer
  • Points Earn Rate: 2 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Annual Fee: $99 p.a.
  • Interest Free Period: 55 days
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • 50,000 Bonus Points when you apply by 30 September 2019 and spend $1,500 in the first 3 months

  • No International Transaction Fee

  • Earn 2 flybuys Points per $1 on eligible spend

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

  • 0% p.a. on balance transfers for 6 months

  • Relatively high $99 Annual Fee

  • $30 Late Payment Fee


Westpac Low Rate
  • Card Type: Mastercard
  • Minimum Credit Limit: $500
  • Maximum Credit Limit: $25,000
  • Minimum Income: $15,000
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Annual Fee: $59 p.a.
  • Interest Free Period: 55 days
  • Balance Transfer Period: 18 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

Virgin Money No Annual Fee Visa
  • Card Type: Visa
  • Minimum Credit Limit: $2,000
  • Minimum Income: $25,000
  • Contactless Payments: Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 44 days
  • Balance Transfer Period: 36 months
  • Balance Transfer Rate: 6.9% p.a.
  • Balance Transfer Fee: 0%

ANZ Platinum
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit: $6,000
  • Minimum Income: $35,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Annual Fee: $87 p.a.
  • Interest Free Period: 55 days
  • Reduced First Year Annual Fee: $0.00
  • Balance Transfer Period: 18 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 2%

ANZ First
  • Card Type: Visa
  • Minimum Credit Limit: $1,000
  • Minimum Income: $15,000
  • Rewards Program: ANZ Rewards
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Annual Fee: $30 p.a.
  • Interest Free Period: 55 days
  • Balance Transfer Period: 18 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 2%
  • Low $30 Annual Fee (waived for full-time tertiary students)

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

  • Low minimum credit limit of $1,000 ($500 for students)

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee


Coles No Annual Fee MasterCard
  • Card Type: Mastercard
  • Benefits: Cashback Offer
  • Minimum Credit Limit: $2,000
  • Maximum Credit Limit: $60,000
  • Minimum Income: $25,000
  • Rewards Program: flybuys
  • Points Earn Rate: 0.5 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive 20,000 bonus points when you apply by 30 September and spend $500 in the first 60 days from approval.
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • No annual fee

  • 20,000 Bonus Flybuys Points when you apply by 30 September 2019 and spend $500 in the first 60 days from card approval

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

  • 0% p.a. on balance transfers for 6 months

  • Apple Pay, Samsung Pay

  • 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


ANZ Low Rate
  • Card Type: Visa
  • Minimum Credit Limit: $1,000
  • Minimum Income: $15,000
  • Rewards Program: ANZ Rewards
  • Contactless Payments: Apple Pay and Google Pay
  • Annual Fee: $58 p.a.
  • Interest Free Period: 55 days
  • Balance Transfer Period: 15 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

Commonwealth Bank Low Fee
  • Card Type: Mastercard
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit: $500
  • Maximum Credit Limit: $50,000
  • Minimum Income: $15,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days
  • Reduced First Year Annual Fee: $0.00
  • Balance Transfer Period: 5 months
  • Balance Transfer Rate: 5.99% p.a.
  • Balance Transfer Fee: 0%

Woolworths Everyday Platinum
  • Card Type: Visa
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit: $6,000
  • Minimum Income: $30,000
  • Points Earn Rate: 3 points per $1
  • Contactless Payments: Apple Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days
  • Reduced First Year Annual Fee: $0.00
  • Balance Transfer Period: 14 months
  • Balance Transfer Rate: 0% p.a.

Once Credit Card
  • Card Type: Visa
  • Benefits: Introductory Interest Rate
  • Minimum Credit Limit: $1,000
  • Maximum Credit Limit: $30,000
  • Contactless Payments: Apple Pay
  • Annual Fee: $99 p.a.
  • Interest Free Period: At least 55 days
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

American Express Platinum Edge
  • Card Type: American Express
  • Benefits: Complimentary Travel Insurance and Travel Credit
  • Minimum Credit Limit: $3,000
  • Minimum Income: $50,000
  • Rewards Program: American Express Membership Rewards
  • Points Earn Rate: 3 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Annual Fee: $195 p.a.
  • Interest Free Period: 55 days
  • Balance Transfer Period: 12 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1%

BankWest Zero MasterCard
  • Card Type: Mastercard
  • Benefits: No Foreign Transaction Fee
  • Minimum Credit Limit: $1,000
  • Maximum Credit Limit: $25,000
  • Minimum Income: $20,000
  • Contactless Payments: Apple Pay and Google Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days
  • Balance Transfer Period: 9 months
  • Balance Transfer Rate: 2.99% p.a.

Commonwealth Bank Platinum Awards
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit: $6,000
  • Maximum Credit Limit: $50,000
  • Minimum Income: $50,000
  • Rewards Program: CommBank Awards
  • Points Earn Rate: 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Annual Fee: $249 p.a.
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive 100,000 Bonus Awards Points when you apply by 31 October and spend $4,000 by 31 January 2020.
  • Balance Transfer Period: 5 months
  • Balance Transfer Rate: 5.99% p.a.
  • Balance Transfer Fee: 0%

NAB Low Rate
  • Card Type: Visa
  • Benefits: Introductory Interest Rate
  • Minimum Credit Limit: $500
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Annual Fee: $59 p.a.
  • Interest Free Period: 55 days
  • Introductory Rate: 0% p.a. on purchases for 6 months
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 2%

Citibank Citi Rewards Platinum
  • Card Type: Visa
  • Benefits: Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit: $6,000
  • Maximum Credit Limit: $100,000
  • Minimum Income: $35,000
  • Rewards Program: Citi Rewards
  • Points Earn Rate: 1 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Annual Fee: $149 p.a.
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive up to 120,000 bonus points (80,000 points when you spend $3,000 in the first 90 days from approval and an additional 40,000 points on your first anniversary)
  • Reduced First Year Annual Fee: $49.00
  • Balance Transfer Period: 15 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1%

HSBC Platinum
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Introductory Interest Rate
  • Minimum Credit Limit: $6,000
  • Minimum Income: $40,000
  • Rewards Program: HSBC Rewards Plus
  • Points Earn Rate: 2 points per $1
  • Contactless Payments: Apple Pay and Google Pay
  • Annual Fee: $129 p.a.
  • Interest Free Period: 55 days
  • Introductory Rate: 0% p.a. on interest on purchases for 12 months
  • Balance Transfer Period: 12 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

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