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%

Brand
Search brand...
Rating
Card Type
Purchase Rate
8.99% p.a.
Annual Fee
$1,200 p.a.
Interest Free Period
Benefits
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Minimum Credit Limit
$500
Rewards Program
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Points Earn Rate
0.5 points per $1
Introductory Rate Period
6 months
Sign-Up Bonus Points
8,000
Reduced First Year Annual Fee
$0
Contactless Payments
Balance Transfer Period
5 months
Balance Transfer Rate
0% p.a.
Balance Transfer Fee
0%

Based on 2,627 reviews
Qantas American Express Discovery

Qantas American Express Discovery

4.1  (57)
 Summary
  • Purchase Rate20.74% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 44 days
WalterWhite
WalterWhite
 
Bankwest Zero Platinum MasterCard

Bankwest Zero Platinum MasterCard

3.8  (51)
 Summary
  • Purchase Rate17.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Cambo
CamboNSW9 posts
  Verified
Commonwealth Bank Low Fee

Commonwealth Bank Low Fee

3.8  (49)
 Summary
  • Purchase Rate19.74% p.a.
  • Annual Fee$29 p.a.
  • Interest Free Period 55 days
Mayur
Mayur6 posts
 
Commonwealth Bank Awards

Commonwealth Bank Awards

3.5  (88)
 Summary
  • Purchase Rate20.24% p.a.
  • Annual Fee$59 p.a.
  • Interest Free Period 55 days
Stu R.
Stu R.2 posts
 
Max freeIve Maxed out my limit. Soo paying the upmost in interest possible and they have the audacity to let me spend past the limit and then charge me per transaction there past a further $10 for no apparent reason. No extra workload on their behalf but considerably more detriment just for me (like it was a punishment). Far king are souls. Lone sharcs Show details
Stu R.
Stu R.  
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Westpac Low Rate

Westpac Low Rate

3.6  (61)
 Summary
  • Purchase Rate13.74% p.a.
  • Annual Fee$59 p.a.
  • Interest Free Period 55 days
Azadeh S.
Azadeh S.VIC2 posts
 
Qantas American Express Ultimate

Qantas American Express Ultimate

3.4  (85)
 Summary
  • Purchase Rate20.74% p.a.
  • Annual Fee$450 p.a.
  • Interest Free Period 44 days
  • Sign-Up Bonus Points100,000
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Dan
DanCaulfield31 posts
 
Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.1  (181)
 Summary
  • Purchase Rate19.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
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N G.
N G.NSW2 posts
 
What a mistake this was signing up to a coles MastercardDo not get this product. How hard can it be to close and pay an account? Thrash app, thrash customer service. All round just terrible Show details
Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

2.7  (181)
 Summary
  • Purchase Rate18.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Valerio
Valerio
 
Choice a better credit card next timeApplied for the card to get rewards , card approved 20 days before i got it at home. Had no chance to obtain points since the short time from approval to get it in my possess.
Unclear communications and provedures. App low functions. Show details
ANZ Platinum

ANZ Platinum

3.3  (29)
 Summary
  • Purchase Rate20.24% p.a.
  • Annual Fee$87 p.a.
  • Interest Free Period 55 days
kevin
kevin2 posts
 
ANZ Low Rate

ANZ Low Rate

3.1  (37)
 Summary
  • Purchase Rate12.49% p.a.
  • Annual Fee$58 p.a.
  • Interest Free Period 55 days
Lazy guy
Lazy guyVIC48 posts
 
Cannot increase above $1000I had been with ANZ credit card for long time, no bad credit. always paid balance in full within 2 or 3 weeks. I applied westpac and nab credit cards and got approved much much higher. ANZ won't increase and I got really upset and closed anz credit card. why should i pay yearly fee if cannot increase beyond 1k? Ridiculous system. Show details
Commonwealth Bank Low Rate

Commonwealth Bank Low Rate

4.2  (13)
 Summary
  • Purchase Rate13.24% p.a.
  • Annual Fee$59 p.a.
  • Interest Free Period 55 days
Modasser
ModasserNSW9 posts
 
CBA made me pay ATO my due amount which i was planning to pay after 6 months. And then declined my credit applicationCBA made me pay ATO my due amount which i was planning pay after 6 months. And then declined my credit application.
Why you asked me to pay ATO if you were going to decline my application ? Show details
American Express Explorer

American Express Explorer

3.5  (20)
 Summary
  • Purchase Rate20.74% p.a.
  • Annual Fee$395 p.a.
  • Interest Free Period 55 days
  • Sign-Up Bonus Points50,000
Cassandra
CassandraNSW28 posts
 
Dreadful application process and third party referral for credit scoreRefers you to third party credit agent then you have to apply to getvyour credit score also then offers to subscribe at your own. Avoid Show details
St. George Amplify Signature

St. George Amplify Signature

3.4  (22)
 Summary
  • Purchase Rate19.49% p.a.
  • Annual Fee$279 p.a.
  • Sign-Up Bonus Points90,000 to 200,000
Anti Amplify Customer
Anti Amplify Customer
  Amplify Rewards
Terrible program - inept bankHave wasted countless hours dealing with St George over the years, not sure why I expected the Amplify Rewards program to be any different. Avoid this bank and this card. Not worth your time. Show details
BankWest Zero MasterCard Classic

BankWest Zero MasterCard Classic

2.8  (53)
 Summary
  • Purchase Rate17.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Venkatesa
VenkatesaNSW3 posts
 
American Express Platinum Edge

American Express Platinum Edge

2.6  (66)
 Summary
  • Purchase Rate20.74% p.a.
  • Annual Fee$195 p.a.
  • Interest Free Period 55 days
Wally
Wally14 posts
 
Commonwealth Bank Platinum Awards

Commonwealth Bank Platinum Awards

2.8  (37)
 Summary
  • Purchase Rate20.24% p.a.
  • Annual Fee$249 p.a.
  • Interest Free Period 55 days
  • Sign-Up Bonus Points80,000
Modasser
ModasserNSW9 posts
 
CBA made me pay ATO my due amount which i was planning to pay after 6 months. And then declined my credit applicationCBA made me pay ATO my due amount which i was planning to pay after 6 months. And then declined my credit application. Show details
Coles Rewards Mastercard

Coles Rewards Mastercard

2.3  (222)
 Summary
  • Purchase Rate19.99% p.a.
  • Annual Fee$99 p.a.
  • Interest Free Period 55 days
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Kim
Kim3 posts
 
UnprofessionalSubpar fraud service. They have no fraud team. My card was scammed for $500 worth of gaming products sent to a foreign country. Annnd -THEY BLAMED ME. Yeah.
Customer service is a joke.
Do yourself a favour and use a real bank Show details
Kogan Money Black Card

Kogan Money Black Card

2.3  (133)
 Summary
  • Purchase Rate20.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
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WestyGardener
WestyGardener3 posts
 
reward points are a scamKogan points are useless. I have been back and forth with Kogan support for a few days. it wont let me purchase a single item on kogan.com with my reward points. They told me I can only purchase items with a tile for reward points purchase. the only problem is there isn't a single item I have seen on the site with this tile. What a scam. Show details
ANZ First

ANZ First

2.6  (40)
 Summary
  • Purchase Rate20.24% p.a.
  • Annual Fee$30 p.a.
  • Interest Free Period 55 days
adam
adam
 
Terrible customer servicesWell after almost three months applying ,going backwards and forwards and wasting alot of time
I was told my application declined ,even though I am in very strong financial position
I think the poor spoken bank rep has got some information calculations wrong .but I won't bother correcting them as I will seek to apply somewhere else Show details
NAB Low Rate

NAB Low Rate

3.0  (19)
 Summary
  • Purchase Rate12.99% p.a.
  • Annual Fee$59 p.a.
  • Interest Free Period 55 days
Romit
RomitNSW14 posts
  Verified
No BT available. You will be declined & refused appI applied for NAB credit card because of Balance Transfer (BT) and low rate card.
But got refused even I’ve good job and bank balance.

Simply they will throw out many advertisements and encourage you to open bank account but simply they will refuse your credit card and spoil your rating.

Such a cheap and pathetic bank…
Please don’t trust them. Show details

HSBC Platinum

HSBC Platinum

2.4  (45)
 Summary
  • Purchase Rate19.99% p.a.
  • Annual Fee$129 p.a.
  • Interest Free Period 55 days
Lisa
LisaBrisbane15 posts
 
BankWest More Platinum MasterCard

BankWest More Platinum MasterCard

3.6  (9)
 Summary
  • Purchase Rate19.99% p.a.
  • Annual Fee$160 p.a.
  • Interest Free Period 44 days
Sue
SueVIC19 posts
  Verified
Myer Visa Card

Myer Visa Card

2.0  (77)
 Summary
  • Purchase Rate20.69% p.a.
  • Annual Fee$69 p.a.
  • Interest Free Period 55 days
Mrs S
Mrs SWA5 posts
 
Excellent customer service thank you AizaFantastic is all I can say and I wish that all my attempted experiences were like this. After months of battling with call centres, including my current (soon to be not) financial institution, I make one call and this young lady went above and beyond. It is hard enough in these difficult times and this lady made my day. She is an asset. Show details
Bank of Queensland Blue Visa

Bank of Queensland Blue Visa

4.3  (6)
 Summary
  • Purchase Rate20.74% p.a.
  • Annual Fee$60 p.a.
  • Interest Free Period 44 days
ross2011
ross2011401946 posts
 
Qantas Premier Everyday

Qantas Premier Everyday

2.5  (22)
 Summary
  • Purchase Rate19.99% p.a.
  • Annual Fee$49 p.a.
  • Interest Free Period 55 days
  • Sign-Up Bonus Points8,000
Anthony
Anthony5 posts
 
Virgin Australia Velocity Flyer

Virgin Australia Velocity Flyer

1.8  (85)
 Summary
  • Purchase Rate20.74% p.a.
  • Annual Fee$129 p.a.
  • Interest Free Period 44 days
  • Sign-Up Bonus Points100,000
Kieran
KieranNT4 posts
 
Macquarie Bank Platinum

Macquarie Bank Platinum

2.4  (16)
 Summary
  • Purchase Rate20.70% p.a.
  • Annual Fee$99 p.a. and $249 p.a.
  • Sign-Up Bonus Points20,000
Steven
Steven4 posts
  Macquarie Rewards
Great Debit Card to use for Overseas and localRecent trip for 6 weeks to EU used the Macquarie Bank Platinum debit card every were, no problems withdrawing cash but ended up using it direct payment most of the time. Very good exchange rates better than local and no hidden fees. Show details
Coles Low Rate MasterCard

Coles Low Rate MasterCard

1.6  (553)
 Summary
  • Purchase Rate12.99% p.a.
  • Annual Fee$58 p.a.
  • Interest Free Period 55 days
Ronnie
RonnieNSW36 posts
 
NAB Qantas Rewards Premium

NAB Qantas Rewards Premium

2.1  (21)
 Summary
  • Purchase Rate19.99% p.a.
  • Annual Fee$250 p.a.
  • Interest Free Period 44 days
  • Sign-Up Bonus Points65,000
Adam
AdamQLD2 posts
  Verified
NAB Rewards Platinum

NAB Rewards Platinum

2.2  (19)
 Summary
  • Purchase Rate19.99% p.a.
  • Annual Fee$195 p.a.
  • Interest Free Period 44 days
  • Sign-Up Bonus Points80,000
Chris W.
Chris W.3 posts
 

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