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Balance Transfer Credit Cards in South Australia Adelaide

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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


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


Woolworths Qantas Platinum
Purchase Rate20.49% p.a.
Annual Fee$169 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 : $30,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay and Google Pay
  • Purchase Rate: 20.49% p.a.
  • Annual Fee: $169 p.a.
  • Interest Free Period : 55 days
  • Reduced First Year Annual Fee : $99.00
  • Balance Transfer Period : 14 months
  • Balance Transfer Rate : 0% p.a.
  • Stack the QFF points earned with this card with normal Woolworths Rewards points

  • 0% balance transfer rate for 14 months

  • 10% off one shop at Woolworths each month

  • Relatively high ongoing annual fee ($169)


NAB Qantas Rewards Premium
Purchase Rate19.99% p.a.
Annual Fee$250 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $250 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : Receive 30,000 Bonus Points when you spend $2,500 on everyday purchases within 60 days of account opening
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 2%
  • 30,000 Bonus Qantas Points when you spend $2,500 on everyday purchases in the first 60 days of account opening

  • Points Earn Rate: 1 Qantas Point per $1.50 up to $3,000 per statement period

  • 0% on Balance Transfers for 6 months

  • Seven complimentary insurances including Overseas Travel Insurance

  • $250 Annual Fee

  • 3% International Transaction Fee

  • 2% Balance Transfer Fee

  • Points Earn Rate drops to 1 Qantas Point per $3 after the first $3,000 per statement period


NAB Rewards Platinum
Purchase Rate19.99% p.a.
Annual Fee$194 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Rewards Program: NAB Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $194 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : Receive 60,000 Bonus Points when you spend $1,000 on everyday purchases within 60 days of account opening
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 2%
  • Earn up to 3 Points per dollar (see Details), uncapped

  • 0% p.a. on Balance Transfers for 6 months

  • Seven complimentary insurances, including Overseas Travel Insurance

  • $195 Annual Fee

  • 2% Balance Transfer Fee

  • 3% International Transaction Fee


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


American Express Low Rate
Purchase Rate8.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: American Express
  • Minimum Credit Limit : $1,000
  • Minimum Income : $50,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 8.99% 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 : 1%
  • $0 Annual Fee

  • Low Interest Rate of 8.99% on purchases

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

  • Add up to 4 Additional Cards at no extra cost

  • 1% Balance Transfer Fee

  • 3% Currency Conversion Fee

  • No attached rewards program


Bank of Queensland Blue Visa
Purchase Rate20.74% p.a.
Annual Fee$60 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Benefits: Sign-Up Bonus Points Offer
  • Maximum Credit Limit : $10,000
  • Minimum Income : $25,000
  • Rewards Program: Q Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $60 p.a.
  • Interest Free Period : 44 days
  • Sign-Up Bonus : $120 Cashback if you spend $500 per month on retail purchases for the first 3 months
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%

Citibank Citi Signature Qantas
Purchase Rate21.49% p.a.
Annual Fee$444 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $15,000
  • Maximum Credit Limit : $100,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 21.49% p.a.
  • Annual Fee: $444 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : Receive up to 150,000 bonus Qantas Points (100,000 points when you spend $5,000 within 90 days from card approval, plus an additional 50,000 points after your first anniversary)
  • Reduced First Year Annual Fee : $0.00
  • Balance Transfer Period : 15 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%
  • Up to 150,000 Bonus Qantas Points on offer

  • $49 Annual Fee in your first year

  • Earn up to 1 Qantas Point per $1 spent

  • 0% p.a. on Balance Transfers for 15 months, 0% Balance Transfer Fee

  • Complimentary Insurances, including International Travel Insurance

  • $444 Annual Fee after your first year

  • Minimum Credit Limit of $15,000

  • 3.4% International Transaction Fee


St.George Amplify Rewards
Purchase Rate19.74% p.a.
Annual Fee$79 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Introductory Interest Rate
  • Minimum Credit Limit : $500
  • Rewards Program: Amplify Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Google Pay and Samsung Pay
  • Purchase Rate: 19.74% p.a.
  • Annual Fee: $79 p.a.
  • Interest Free Period : 55 days
  • Introductory Rate : 0% p.a. for the first 14 months

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


Bank of Queensland Platinum Visa
Purchase Rate20.74% p.a.
Annual Fee$129 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Reduced First Year Annual Fee
  • Rewards Program: Q Rewards
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $129 p.a.
  • Interest Free Period : 55 days
  • Sign-Up Bonus : 1,000 Bonus Q Rewards Points every month when you spend $1,000 per month on eligible transactions for the first 12 months
  • Reduced First Year Annual Fee : $0.00
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.

Commonwealth Bank Low Rate
Purchase Rate13.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Minimum Credit Limit : $500
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 13.24% p.a.
  • Annual Fee: $59 p.a.
  • Interest Free Period : 55 days
  • Balance Transfer Period : 5 months
  • Balance Transfer Rate : 5.99% p.a.
  • Up to $300 cashback on offer if you apply by 31 October 2019

  • Low purchase interest rate of 13.24%

  • Accessible minimum credit limit of $500

  • $59 Annual Fee

  • 3% International Transaction Fee

  • No attached rewards program

  • 5.99% p.a. on Balance Transfers for 5 months, reverting to the high Cash Advance Rate of 21.24% thereafter


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%

Qantas American Express Premium
Purchase Rate20.74% p.a.
Annual Fee$249 p.a.
Interest Free Period 44 days
  • 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 Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • 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%

American Express Velocity Platinum
Purchase Rate20.74% p.a.
Annual Fee$375 p.a.
Interest Free Period 55 days
  • 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 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: $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%

Suncorp Clear Options Platinum
Purchase Rate20.74% p.a.
Annual Fee$129 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Introductory Interest Rate and Reduced First Year Annual Fee
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $30,000
  • Rewards Program: Suncorp Rewards
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $129 p.a.
  • Interest Free Period : 55 days
  • Introductory Rate : 0% p.a. for 14 months on Purchases
  • Reduced First Year Annual Fee : $49.00
  • Balance Transfer Period : 18 months
  • Balance Transfer Rate : 0% p.a.

BankWest More Platinum MasterCard
Purchase Rate19.99% p.a.
Annual Fee$160 p.a.
Interest Free Period 44 days
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $65,000
  • Rewards Program: BankWest More Rewards
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $160 p.a.
  • Interest Free Period : 44 days
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%

American Express Velocity Escape
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 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 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 : 55 days
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%

Citibank Citi Clear Platinum
Purchase Rate14.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Reduced First Year Annual Fee
  • Maximum Credit Limit : $100,000
  • Minimum Income : $35,000
  • Rewards Program: Citi Rewards
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 14.99% p.a.
  • Annual Fee: $99 p.a.
  • Interest Free Period : 55 days
  • Reduced First Year Annual Fee : $99.00
  • Balance Transfer Period : 14 months
  • Balance Transfer Rate : 0% p.a.
  • No Annual Fee in your first year

  • Low Purchase Rate of 12.99% p.a.

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

  • Complimentary Purchase Cover and Extended Warranty Insurance

  • $99 Annual Fee after your first year

  • 3.4% International Transaction Fee

  • No attached rewards program


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