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Balance Transfer Credit Cards in Australian Capital Territory Canberra–Queanbeyan

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13 listings


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)


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%
  • 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
  • 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 Rate: 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • 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%

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


Virgin Australia Velocity Flyer
  • 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 Rate: 0.66 points per $1
  • Contactless Payments: Samsung Pay
  • 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
  • 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 Rate: 2 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • 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%

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%

Virgin Australia Velocity High Flyer
  • 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 Rate: 1 points per $1
  • Contactless Payments: Samsung Pay
  • 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


American Express Low Rate
  • Card Type: American Express
  • Minimum Credit Limit: $1,000
  • Minimum Income: $50,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • 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%

American Express Velocity Platinum
  • Card Type: American Express
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit: $3,000
  • Maximum Credit Limit: $10,000
  • Minimum Income: $65,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rate: 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Annual Fee: $375 p.a.
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive 50,000 bonus Velocity 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%

American Express Velocity Escape
  • Card Type: American Express
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit: $2,000
  • Maximum Credit Limit: $25,000
  • Minimum Income: $40,000
  • Rewards Program: Velocity 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: 55 days
  • Balance Transfer Period: 12 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1%

Virgin Money Low Rate
  • Card Type: Visa
  • Benefits: Cashback Offer
  • Minimum Credit Limit: $6,000
  • Minimum Income: $35,000
  • Contactless Payments: Samsung Pay
  • Annual Fee: $49 p.a.
  • Interest Free Period: 44 days
  • Balance Transfer Period: 14 months
  • Balance Transfer Rate: 0% p.a.
  • Purchase Rate of 11.9% p.a.

  • $49 Annual Fee

  • 0% p.a. for the first 14 months on Balance Transfers

  • 3.3% International Transaction Fee

  • Balance Transfers revert to a high Cash Advance Rate of 21.69% after the offer period ends

  • You can't earn Velocity Points even though this card is issued by Virgin


Qantas American Express Premium
  • Card Type: American Express
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit: $2,000
  • Maximum Credit Limit: $50,000
  • Minimum Income: $40,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rate: 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Annual Fee: $249 p.a.
  • Interest Free Period: 44 days
  • Sign-Up Bonus: Receive 30,000 bonus Qantas Points when you spend $3,000 with the first 3 months of card approval.
  • Balance Transfer Period: 12 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1%