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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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74 listings


Qantas American Express Discovery

Qantas American Express Discovery

4.4 from 50 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Minimum Credit Limit : $2,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple 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

4.1 from 65 reviews
Purchase Rate20.74% p.a.
Annual Fee$450 p.a.
Interest Free Period 44 days
  • 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 Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 120,000 bonus Qantas Points when you apply by Nov 6 and spend $4,500 within the first 3 months.
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%

Sign-Up Bonus Points120,000


Coles Rewards Mastercard

Coles Rewards Mastercard

3.7 from 93 reviews
Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Benefits: No Foreign Transaction Fee and Sign-Up Bonus Points Offer
  • Rewards Program: flybuys and Velocity Frequent Flyer
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Sign-Up Bonus : Receive 120,000 Bonus Points when you spend $3,000 in the first 90 days from approval
  • Balance Transfer Period : 14 months
  • Balance Transfer Rate : 0% p.a.

Sign-Up Bonus Points120,000


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
  • 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
  • Reduced First Year Annual Fee : $0
  • Balance Transfer Period : 5 months
  • Balance Transfer Rate : 5.99% p.a.
  • Balance Transfer Fee : 0%

Commonwealth Bank Awards

Commonwealth Bank Awards

3.6 from 82 reviews
Purchase Rate20.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $500
  • Rewards Program: CommBank Awards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 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.

Sign-Up Bonus Points30,000


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
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : $25,000
  • Minimum Income : $15,000
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period : 16 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%

Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.3 from 155 reviews
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Benefits: Introductory Interest Rate
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $60,000
  • Minimum Income : $25,000
  • Rewards Program: flybuys
  • Points Earn Rates : 0.5 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Introductory Rate : 0% p.a. for the first 12 months
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.

ANZ Platinum

ANZ Platinum

3.8 from 25 reviews
Purchase Rate19.74% p.a.
Annual Fee$87 p.a.
Interest Free Period 55 days
  • 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
  • Reduced First Year Annual Fee : $0
  • Balance Transfer Period : 18 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 2%

Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

2.9 from 159 reviews
Purchase Rate18.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Minimum Credit Limit : $2,000
  • Minimum Income : $25,000
  • Contactless Payments: Samsung Pay
  • Balance Transfer Period : 36 months
  • Balance Transfer Rate : 6.9% p.a.
  • Balance Transfer Fee : 0%

ANZ First

ANZ First

3.6 from 24 reviews
Purchase Rate20.24% p.a.
Annual Fee$30 p.a.
Interest Free Period 55 days
  • 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
  • Balance Transfer Period : 18 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 2%

Citibank Citi Rewards Platinum

Citibank Citi Rewards Platinum

3.0 from 71 reviews
Purchase Rate21.49% p.a.
Annual Fee$149 p.a.
Interest Free Period 55 days
  • 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 Rates : 1 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • 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
  • Balance Transfer Period : 15 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%

Sign-Up Bonus Points120,000


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
  • Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $3,000
  • Minimum Income : $65,000
  • Rewards Program: American Express Membership Rewards
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 50,000 Bonus Points when you spend $3,000 within the first 3 months of card approval.
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%

Sign-Up Bonus Points50,000


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
  • Minimum Credit Limit : $1,000
  • Minimum Income : $15,000
  • Rewards Program: ANZ Rewards
  • Contactless Payments: Apple Pay and Google Pay
  • Balance Transfer Period : 15 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%

Commonwealth Bank Low Rate

Commonwealth Bank Low Rate

4.4 from 12 reviews
Purchase Rate13.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $500
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period : 5 months
  • Balance Transfer Rate : 5.99% p.a.

BankWest Zero MasterCard

BankWest Zero MasterCard

3.0 from 46 reviews
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $20,000
  • Contactless Payments: Apple Pay and Google Pay
  • Balance Transfer Period : 9 months
  • Balance Transfer Rate : 2.99% p.a.

Woolworths Everyday Platinum

Woolworths Everyday Platinum

2.5 from 362 reviews
Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit : $6,000
  • Minimum Income : $30,000
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple Pay
  • Reduced First Year Annual Fee : $0
  • 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 16 reviews
Purchase Rate19.74% p.a.
Annual Fee$279 p.a.
Interest Free Period At least 55 days
  • Benefits: Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $15,000
  • Rewards Program: Amplify Rewards and Qantas Frequent Flyer
  • Points Earn Rates : 0.75 to 1.5 points per $1
  • Contactless Payments: Google Pay and Samsung Pay
  • Reduced First Year Annual Fee : $179
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%

Sign-Up Bonus Points90,000 to 200,000


Commonwealth Bank Platinum Awards

Commonwealth Bank Platinum Awards

3.0 from 34 reviews
Purchase Rate20.24% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days
  • 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 Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 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%

Sign-Up Bonus Points100,000


American Express Essential

American Express Essential

2.5 from 104 reviews
Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $40,000
  • Rewards Program: American Express Membership Rewards
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 3%

American Express Platinum Edge

American Express Platinum Edge

2.6 from 61 reviews
Purchase Rate20.74% p.a.
Annual Fee$195 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance and Travel Credit
  • Minimum Credit Limit : $3,000
  • Minimum Income : $50,000
  • Rewards Program: American Express Membership Rewards
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%

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