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Balance Transfer Credit Cards in Victoria Melbourne and Geelong

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73 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)


Commonwealth Bank Awards
  • Card Type: Mastercard
  • Minimum Credit Limit: $500
  • Rewards Program: CommBank Awards
  • Points Earn Rate: 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 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 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


Westpac Low Rate
  • 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
  • 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%

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.


Coles Rewards Mastercard
  • Card Type: Mastercard
  • Benefits: No Foreign Transaction Fee
  • Rewards Program: flybuys and Velocity Frequent Flyer
  • Points Earn Rate: 2 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • 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


ANZ Platinum
  • 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
  • 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%

ANZ First
  • Card Type: Visa
  • 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
  • Annual Fee: $30 p.a.
  • Interest Free Period: 55 days
  • Balance Transfer Period: 18 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 2%
  • Low $30 Annual Fee (waived for full-time tertiary students)

  • 0% p.a. on Balance Transfers for 18 months

  • Low minimum credit limit of $1,000 ($500 for students)

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee


Coles No Annual Fee MasterCard
  • 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 Rate: 0.5 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • 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

  • Apple Pay, Samsung Pay

  • 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


ANZ Low Rate
  • Card Type: Visa
  • Minimum Credit Limit: $1,000
  • Minimum Income: $15,000
  • Rewards Program: ANZ Rewards
  • Contactless Payments: Apple Pay and Google Pay
  • Annual Fee: $58 p.a.
  • Interest Free Period: 55 days
  • Balance Transfer Period: 15 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

Commonwealth Bank Low Fee
  • Card Type: Mastercard
  • 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
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days
  • Reduced First Year Annual Fee: $0.00
  • Balance Transfer Period: 5 months
  • Balance Transfer Rate: 5.99% p.a.
  • Balance Transfer Fee: 0%

Woolworths Everyday Platinum
  • Card Type: Visa
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit: $6,000
  • Minimum Income: $30,000
  • Points Earn Rate: 3 points per $1
  • Contactless Payments: Apple Pay
  • 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.

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%

BankWest Zero MasterCard
  • Card Type: Mastercard
  • Minimum Credit Limit: $1,000
  • Maximum Credit Limit: $25,000
  • Minimum Income: $20,000
  • Contactless Payments: Apple Pay and Google Pay
  • 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


Commonwealth Bank Platinum Awards
  • 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 Rate: 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 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%

NAB Low Rate
  • Card Type: Visa
  • Benefits: Introductory Interest Rate
  • Minimum Credit Limit: $500
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Annual Fee: $59 p.a.
  • Interest Free Period: 55 days
  • Introductory Rate: 0% p.a. on purchases for 6 months
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 2%
  • $59 Annual Fee, 13.99% Standard Purchase Rate

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

  • Minimum Credit Limit of $500

  • Add an Additional Cardholder at no extra cost

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • Balance Transfer Rate at the end of the offer period reverts to the Cash Advance Rate of 21.74% p.a.


Citibank Citi Rewards Platinum
  • 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 Rate: 1 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • 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%

HSBC Platinum
  • 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 Rate: 2 points per $1
  • Contactless Payments: Apple Pay and Google Pay
  • 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%

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%

Citibank Citi Rewards Signature
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Maximum Credit Limit: $100,000
  • Minimum Income: $75,000
  • Rewards Program: Citi Rewards
  • Points Earn Rate: 2 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Annual Fee: $395 p.a.
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive 120,000 Bonus Points when you spend $4,000 in the first 90 days from card approval
  • Reduced First Year Annual Fee: $199.00
  • Balance Transfer Period: 15 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1%

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