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Balance Transfer Credit Cards in Australian Capital Territory Canberra–Queanbeyan

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69 listings


BankWest Zero MasterCard
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $20,000
  • Contactless Payments: Apple Pay and Google Pay
  • Purchase Rate: 17.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • Balance Transfer Period : 9 months
  • Balance Transfer Rate : 2.99% p.a.
  • No annual fee

  • Accessible $1,000 minimum credit limit

  • 2.95% foreign transaction fee


Citibank Citi Rewards Platinum
Purchase Rate20.99% p.a.
Annual Fee$149 p.a.
Interest Free Period 55 days
  • 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 Rates : 1 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 20.99% p.a.
  • 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%
  • 80,000 Bonus Points when you spend $3,000 in the first 90 days from approval & 40,000 Bonus Points on your first anniversary

  • Points Earn Rate: 1 Citi Point per $1 spent

  • Linked Diners Club Card has no International Transaction Fees and 2 Citi Points per $1 spent earn rate

  • 0% on Balance Transfers for 15 months

  • Reduced $49 Annual Fee in the first year

  • $149 Annual Fee after your first year

  • 3.4% International Transaction Fee


Coles Rewards Mastercard
Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: No Foreign Transaction Fee
  • Rewards Program: flybuys and Velocity Frequent Flyer
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • 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


Qantas American Express Discovery
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Card Type: American Express
  • 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
  • Purchase Rate: 20.74% p.a.
  • 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)


Virgin Money No Annual Fee Visa
Purchase Rate18.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Minimum Credit Limit : $2,000
  • Minimum Income : $25,000
  • Contactless Payments: Samsung Pay
  • Purchase Rate: 18.99% p.a.
  • 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%
  • No Annual Fee

  • 6.9% p.a. on balance transfers for up to 36 months if you apply by 02 December 2019

  • 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.


American Express Essential
Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: American Express
  • 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
  • Purchase Rate: 14.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 3%
  • $0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases

  • Earn up to 1.25 Membership Rewards Points per $1

  • 0% p.a. on Balance Transfers for the first 12 months

  • Smartphone Screen Insurance

  • Add up to 4 Additional Cards at no extra cost

  • 3% Balance Transfer Fee

  • 3% Currency Conversion Fee


Commonwealth Bank Awards
Purchase Rate20.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • 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
  • Purchase Rate: 20.24% p.a.
  • 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 Premier Everyday
Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $4,000
  • Maximum Credit Limit : $30,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $49 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Earn up to 42,000 bonus Qantas points (7,000 points per month when you spend $1000 or more per month for the first 6 months)
  • Reduced First Year Annual Fee : $29.00
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Up to 42,000 Bonus Qantas Points on offer

  • $29 Annual Fee for the first year

  • 0% p.a. on Balance Transfers for 12 months

  • Earn up to 1 Qantas Point per $1 spent

  • Complimentary Travel Insurance

  • 3% Foreign Transaction Fee

  • Minimum spend of $1,00 per month is required to receive 7,000 Bonus Qantas Points each month for 6 months


Coles No Annual Fee MasterCard
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 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 Rates : 0.5 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • 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

  • 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


Qantas American Express Ultimate
Purchase Rate20.74% p.a.
Annual Fee$450 p.a.
Interest Free Period 44 days
  • 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 Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • 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


Woolworths Everyday Platinum
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • 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
  • Purchase Rate: 19.99% p.a.
  • 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.
  • $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


Virgin Australia Velocity Flyer
Purchase Rate20.74% p.a.
Annual Fee$129 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $15,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $75,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rates : 0.66 points per $1
  • Contactless Payments: Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $129 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : Earn up to 75,000 bonus Velocity Points (25,000 points each month when you spend $1,500 or more in the first 3 months).
  • Introductory Rate : 0% p.a. for up to 14 months on purchases.
  • Reduced First Year Annual Fee : $64.50
  • Balance Transfer Period : 18 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%
  • Multiple Promotional Offers to choose from (see Details below) if you apply by 02 December 2019

  • $129 Virgin Australia Gift Voucher each year

  • Earn Velocity Points at a rate of 0.66 points per $1 spent up to $1,500 per statement period

  • 3.3% International Transaction Fee

  • Earn Rate drops to 0.5 points per $1 spent after the first $1,500 per statement period


American Express Explorer
Purchase Rate20.74% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days
  • 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: American Express Membership Rewards
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $395 p.a.
  • Interest Free Period : 55 days
  • 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%

Westpac Low Rate
Purchase Rate13.49% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • 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
  • Purchase Rate: 13.49% p.a.
  • 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%
  • $250 cash back to your account when you spend $800 or more within 90 days of card approval if you apply by 15 October 2019

  • Low $59 Annual Fee

  • Low Interest Rate of 13.74% on purchases

  • One additional cardholder at no extra cost

  • 3% Foreign Transaction Fee


HSBC Platinum
Purchase Rate19.99% p.a.
Annual Fee$129 p.a.
Interest Free Period 55 days
  • 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 Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Google Pay
  • Purchase Rate: 19.99% p.a.
  • 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%
  • 0% p.a. Interest Rate on purchases for the first 12 months

  • 0% p.a. on Balance Transfers for 12 months, 0% Balance Transfer Fee

  • 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.


Commonwealth Bank Platinum Awards
Purchase Rate20.24% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days
  • 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 Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.24% p.a.
  • 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%
  • 100,000 Bonus Awards Points if you apply by 31 Oct 2019 and spend $4,000 by 31 Jan 2020

  • 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


St.George No Annual Fee
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : $40,000
  • Contactless Payments: Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%
  • No Annual Fee

  • 0% p.a. on Balance Transfers for 12 months

  • Fraud Protection feature

  • Add up to 3 extra cards at no extra cost

  • 1% Balance Transfer Fee

  • 3% International Transaction Fee

  • Relatively high 20.74% p.a. Interest Rate on purchases

  • No attached rewards program


American Express Platinum Edge
Purchase Rate20.74% p.a.
Annual Fee$195 p.a.
Interest Free Period 55 days
  • 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 Rates : 3 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • 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%
  • $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

  • Add up to 4 Cards at no additional cost

  • $195 Annual Fee

  • 1% Balance Transfer Fee


ANZ Platinum
Purchase Rate19.74% p.a.
Annual Fee$87 p.a.
Interest Free Period 55 days
  • 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
  • Purchase Rate: 19.74% p.a.
  • 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%
  • 0% p.a. on Balance Transfers for the first 18 months

  • $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


Virgin Australia Velocity High Flyer
Purchase Rate20.74% p.a.
Annual Fee$289 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $15,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $75,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $289 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : Earn up to 100,000 bonus Velocity Points (25,000 Points each month when you spend $3,000 or more in the first 3 months and 25,000 Points after your first anniversary).
  • Balance Transfer Period : 15 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%
  • 100,000 Bonus Velocity Points on offer (see Details below)

  • Earn 1 Velocity Point per $1 spent up to $8,000 per statement period

  • $129 Virgin Australia Gift Voucher and Two Single Entry Virgin Australia domestic Lounge passes each year

  • Complimentary Travel Insurance

  • $289 Annual Fee

  • Minimum Credit Limit of $15,000

  • Minimimum Income requirement of $75,000

  • 3.3% International Transaction Fee


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