??!

Best 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.

Read More...

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, many people are looking for a balance transfer credit card with an annual fee of at most $100, a 0% balance transfer rate and a maximum balance transfer fee of 1%

Go to first result

42 listings

Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.3 from 49 reviews
Purchase Rate20.74% p.a.
Annual FeeA$0 p.a.
Interest Free Period 44 days
  • 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)

  • Transparency
    4.5 (35)
  • Rewards
    4.4 (31)
  • Online Experience
    4.5 (32)
  • Customer Service
    4.8 (33)
  • Rates and Fees
    4.4 (34)
  • Application Process
    4.7 (32)
  • BenefitsTravel Credit
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$100,000
  • Minimum Income A$35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
Commonwealth Bank Low Fee

Commonwealth Bank Low Fee

4.0 from 45 reviews
Purchase Rate19.74% p.a.
Annual FeeA$29 p.a.
Interest Free Period 55 days
  • $0 Annual Fee in the first year and waived in subsequent years when you spend $1,000 or more on purchases or cash advances in the previous year

  • Minimum credit limit of $500

  • 3% International Transaction Fee

  • No attached rewards program

  • Transparency
    4.4 (36)
  • Rewards
    3.1 (12)
  • Online Experience
    4.4 (36)
  • Customer Service
    4.3 (36)
  • Rates and Fees
    3.9 (36)
  • Application Process
    4.4 (30)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$500
  • Maximum Credit Limit A$50,000
  • Minimum Income A$15,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Reduced First Year Annual Fee A$0
  • Balance Transfer Period 5 months
  • Balance Transfer Rate 5.99% p.a.
  • Balance Transfer Fee 0%
Bankwest Zero Platinum MasterCard

Bankwest Zero Platinum MasterCard

3.9 from 43 reviews
Purchase Rate17.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • $0 Annual Fee

  • No Foreign Transaction Fees

  • Complimentary Overseas Travel Insurance

  • 2.99% p.a. on Balance Transfers for the first 9 months

  • No attached rewards program

  • Transparency
    4.5 (30)
  • Rewards
    2.2 (9)
  • Online Experience
    4.1 (32)
  • Customer Service
    4.0 (32)
  • Rates and Fees
    4.5 (30)
  • Application Process
    4.3 (30)
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit A$6,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$65,000
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 9 months
  • Balance Transfer Rate 2.99% p.a.
Commonwealth Bank Awards

Commonwealth Bank Awards

3.5 from 84 reviews
Purchase Rate20.24% p.a.
Annual FeeA$59 p.a.
Interest Free Period 55 days
  • Entry-level credit limit of $500 minimum

  • Can earn either Commbank Awards points or Qantas Frequent Flyer points

  • Low $59 Annual Fee

  • 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

  • Transparency
    4.1 (49)
  • Rewards
    4.1 (37)
  • Online Experience
    4.4 (48)
  • Customer Service
    4.3 (49)
  • Rates and Fees
    3.6 (49)
  • Application Process
    4.2 (39)
  • Minimum Credit Limit A$500
  • Rewards ProgramCommBank Awards and Qantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 5 months
  • Balance Transfer Rate 5.99% p.a.
Westpac Low Rate

Westpac Low Rate

3.6 from 59 reviews
Purchase Rate13.74% p.a.
Annual FeeA$59 p.a.
Interest Free Period 55 days
  • 0% p.a on Balance Transfers for 16 months & No Balance Transfer Fee

  • Low $59 Annual Fee & Low Interest Rate of 13.74% p.a. on purchases

  • One additional cardholder at no extra cost

  • 3% Foreign Transaction Fee

  • Transparency
    4.1 (39)
  • Rewards
    3.4 (21)
  • Online Experience
    4.3 (36)
  • Customer Service
    4.2 (40)
  • Rates and Fees
    3.8 (41)
  • Application Process
    4.2 (37)
  • Minimum Credit Limit A$500
  • Maximum Credit Limit A$25,000
  • Minimum Income A$15,000
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 16 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
Coles Rewards Mastercard

Coles Rewards Mastercard

3.3 from 111 reviews
Purchase Rate19.99% p.a.
Annual FeeA$99 p.a.
Interest Free Period 55 days
  • 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 18 months

  • Relatively high $99 Annual Fee

  • $30 Late Payment Fee

  • Transparency
    3.6 (91)
  • Rewards
    4.2 (77)
  • Online Experience
    3.6 (87)
  • Customer Service
    3.4 (94)
  • Rates and Fees
    3.6 (89)
  • Application Process
    3.8 (80)
  • Minimum Credit Limit A$2,000
  • Rewards Programflybuys
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Balance Transfer Period 18 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1.5%
Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.2 from 161 reviews
Purchase Rate19.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • No annual fee

  • 0% p.a. balance transfers for 18 months when you apply by 31 August 2020

  • $10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points

  • 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

  • Transparency
    3.8 (98)
  • Rewards
    3.9 (84)
  • Online Experience
    3.7 (97)
  • Customer Service
    3.8 (99)
  • Rates and Fees
    4.2 (98)
  • Application Process
    4.2 (85)
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$60,000
  • Minimum Income A$25,000
  • Rewards Programflybuys
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Balance Transfer Period 18 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1.5%
ANZ Platinum

ANZ Platinum

3.6 from 27 reviews
Purchase Rate20.24% p.a.
Annual FeeA$87 p.a.
Interest Free Period 55 days
  • 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

  • Transparency
    3.8 (15)
  • Rewards
    3.6 (5)
  • Online Experience
    3.9 (17)
  • Customer Service
    3.7 (17)
  • Rates and Fees
    3.5 (17)
  • Application Process
    3.8 (14)
  • BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit A$6,000
  • Minimum Income A$35,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Reduced First Year Annual Fee A$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

2.8 from 167 reviews
Purchase Rate18.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • No Annual Fee

  • 0% p.a. on balance transfers for up to 9 or 12 months

  • 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.

  • Transparency
    1.9 (19)
  • Rewards
    2.1 (11)
  • Online Experience
    2.0 (17)
  • Customer Service
    1.9 (19)
  • Rates and Fees
    2.4 (16)
  • Application Process
    2.4 (17)
  • Minimum Credit Limit A$2,000
  • Minimum Income A$25,000
  • Contactless PaymentsSamsung Pay
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
ANZ First

ANZ First

3.5 from 25 reviews
Purchase Rate20.24% p.a.
Annual FeeA$30 p.a.
Interest Free Period 55 days
  • 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

  • Transparency
    4.0 (6)
  • Rewards
    5.0 (1)
  • Online Experience
    3.9 (7)
  • Customer Service
    3.9 (7)
  • Rates and Fees
    4.0 (6)
  • Application Process
    4.7 (3)
  • Minimum Credit Limit A$1,000
  • Minimum Income A$15,000
  • Rewards ProgramANZ Rewards
  • Contactless PaymentsApple 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%
ANZ Low Rate

ANZ Low Rate

3.2 from 36 reviews
Purchase Rate12.49% p.a.
Annual FeeA$58 p.a.
Interest Free Period 55 days
  • Low Interest Rate of 12.49% p.a. on purchases

  • Low Annual Fee of $58

  • 0% on Balance Transfers for 15 months & No Balance Transfer Fee

  • Up to 3 Additional Cardholders at no additional cost

  • 3% Foreign Transaction Fee

  • Balance Transfers revert to the high Cash Advance Rate of 20.24% at the end of the offer period

  • Transparency
    4.1 (12)
  • Rewards
    2.8 (4)
  • Online Experience
    4.3 (11)
  • Customer Service
    4.2 (12)
  • Rates and Fees
    4.2 (12)
  • Application Process
    4.1 (9)
  • Minimum Credit Limit A$1,000
  • Minimum Income A$15,000
  • Rewards ProgramANZ Rewards
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 15 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
Commonwealth Bank Low Rate
  • Award Winner 2020

Commonwealth Bank Low Rate

4.4 from 12 reviews
Purchase Rate13.24% p.a.
Annual FeeA$59 p.a.
Interest Free Period 55 days
  • 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

  • Transparency
    4.3 (7)
  • Rewards
    2.7 (3)
  • Online Experience
    4.3 (7)
  • Customer Service
    4.6 (7)
  • Rates and Fees
    4.4 (7)
  • Application Process
    4.5 (8)
  • BenefitsCashback Offer
  • Minimum Credit Limit A$500
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 5 months
  • Balance Transfer Rate 5.99% p.a.
Woolworths Everyday Platinum

Woolworths Everyday Platinum

2.6 from 369 reviews
Purchase Rate19.99% p.a.
Annual FeeA$49 p.a.
Interest Free Period 55 days
  • $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

  • Transparency
    3.8 (61)
  • Rewards
    3.9 (51)
  • Online Experience
    3.8 (59)
  • Customer Service
    3.6 (64)
  • Rates and Fees
    3.6 (64)
  • Application Process
    3.8 (58)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$6,000
  • Minimum Income A$30,000
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple Pay
  • Reduced First Year Annual Fee A$0
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.
BankWest Zero MasterCard

BankWest Zero MasterCard

2.9 from 48 reviews
Purchase Rate17.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • No annual fee

  • Accessible $1,000 minimum credit limit

  • 2.95% foreign transaction fee

  • Transparency
    3.7 (21)
  • Rewards
    2.4 (7)
  • Online Experience
    3.4 (20)
  • Customer Service
    3.4 (21)
  • Rates and Fees
    3.8 (21)
  • Application Process
    4.1 (19)
  • Minimum Credit Limit A$1,000
  • Maximum Credit Limit A$25,000
  • Minimum Income A$20,000
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 9 months
  • Balance Transfer Rate 2.99% p.a.
NAB Low Rate

NAB Low Rate

3.2 from 17 reviews
Purchase Rate12.99% p.a.
Annual FeeA$59 p.a.
Interest Free Period 55 days
  • $59 Annual Fee, 12.99% 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.

  • Transparency
    4.3 (7)
  • Rewards
    4.0 (2)
  • Online Experience
    4.7 (7)
  • Customer Service
    4.3 (7)
  • Rates and Fees
    4.0 (7)
  • Application Process
    4.3 (7)
  • BenefitsIntroductory Interest Rate
  • Minimum Credit Limit A$500
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 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%
American Express Velocity Escape

American Express Velocity Escape

3.5 from 10 reviews
Purchase Rate20.74% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • $0 Annual Fee

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

  • Earn up to 0.75 Velocity Points per $1 spent, uncapped

  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • Transparency
    4.5 (6)
  • Rewards
    4.0 (6)
  • Online Experience
    4.3 (6)
  • Customer Service
    4.2 (6)
  • Rates and Fees
    4.3 (6)
  • Application Process
    4.5 (6)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$25,000
  • Minimum Income A$40,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
Qantas Premier Everyday

Qantas Premier Everyday

2.6 from 19 reviews
Purchase Rate19.99% p.a.
Annual FeeA$49 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points25,000

  • $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

  • Transparency
    3.1 (15)
  • Rewards
    3.4 (10)
  • Online Experience
    2.7 (15)
  • Customer Service
    2.9 (14)
  • Rates and Fees
    2.8 (14)
  • Application Process
    3.6 (13)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$4,000
  • Maximum Credit Limit A$30,000
  • Minimum Income A$35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay and Samsung Pay
  • Sign-Up Bonus Earn 5,000 bonus points per month when you spend $1,000 or more on eligible purchases each month, for a total of 25,000 bonus points over the first 5 months.
  • Reduced First Year Annual Fee A$29
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
Myer Visa Card

Myer Visa Card

1.9 from 74 reviews
Purchase Rate20.69% p.a.
Annual FeeA$69 p.a.
Interest Free Period 55 days
  • Uncapped Myer One credit earn rate

  • 6 months interest free on purchases of $250 or more at Myer

  • Combine with your existing Myer One membership for maximum rewards

  • Not that useful if you don't regularly shop at Myer

  • Not good for travelling (3% international transaction fee)

  • Transparency
    2.3 (6)
  • Rewards
    2.8 (4)
  • Online Experience
    2.0 (6)
  • Customer Service
    2.0 (6)
  • Rates and Fees
    2.2 (6)
  • Application Process
    3.0 (4)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$1,000
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Google Pay
  • Reduced First Year Annual Fee A$0
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.
Coles Low Rate MasterCard

Coles Low Rate MasterCard

1.6 from 542 reviews
Purchase Rate12.99% p.a.
Annual FeeA$58 p.a.
Interest Free Period 55 days
  • Low $58 Annual Fee

  • Low 12.99% p.a. Interest Rate on purchases

  • flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1

  • 2.5% International Transaction Fee

  • Transparency
    3.1 (57)
  • Rewards
    3.3 (39)
  • Online Experience
    2.8 (57)
  • Customer Service
    2.5 (63)
  • Rates and Fees
    3.2 (59)
  • Application Process
    3.5 (54)
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$60,000
  • Minimum Income A$25,000
  • Rewards Programflybuys
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
Kogan Money Black Card

Kogan Money Black Card

1.1 from 19 reviews
Purchase Rate20.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • Earn $50 Kogan.com Credit per month when you spend $1,000 or more on everyday purchases each month for the first 4 months

  • No Annual Fee

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

  • Complimentary Kogan First Membership

  • 3.4% International Transaction Fee

  • Reward points can only be redeemed for eligible purchases on Kogan.com, Kogan Mobile or Kogan Internet

  • Transparency
    1.1 (16)
  • Rewards
    1.5 (8)
  • Online Experience
    1.1 (16)
  • Customer Service
    1.1 (15)
  • Rates and Fees
    1.6 (13)
  • Application Process
    1.7 (14)
  • Minimum Credit Limit A$6,000
  • Minimum Income A$35,000
  • Points Earn Rate 2 points per $1
  • Sign-Up Bonus Earn $50 Kogan.com Credit per month when you spend $1,000 or more on everyday purchases each month for the first 4 months.
  • Balance Transfer Period 18 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
Page 1 of 3