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Best Balance Transfer Credit Cards

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Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.3 from 52 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
    4.4 (37)
  • Rewards
    4.2 (33)
  • Online Experience
    4.4 (34)
  • Customer Service
    4.7 (35)
  • Rates and Fees
    4.3 (36)
  • Application Process
    4.6 (34)
  • 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%
Qantas American Express Ultimate

Qantas American Express Ultimate

4.0 from 66 reviews
Purchase Rate20.74% p.a.
Annual FeeA$450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points55,000

  • Regular Bonus Point Offers

  • High Points Earn Rate

  • Uncapped Annual Points Accrual

  • $450 annual Qantas Travel Credit

  • Two complimentary Qantas Lounge invitations

  • High Annual Fee ($450)

  • 1% Balance Transfer Establishment Fee

  • $65,000 minimum income requirement

  • Reviewers commonly complain that AmEx is not accepted everywhere

  • Transparency
    4.3 (37)
  • Rewards
    4.6 (38)
  • Online Experience
    4.3 (37)
  • Customer Service
    4.5 (39)
  • Rates and Fees
    3.6 (39)
  • Application Process
    4.4 (40)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit A$3,000
  • Minimum Income A$65,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 55,000 bonus Qantas Points when you apply online, are approved and spend $3,000 within the first 3 months.
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
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 20 months

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

  • One additional cardholder at no extra cost

  • $200 Cashback with $1,000 minimum spend within 90 days of card approval

  • 3% Foreign Transaction Fee

  • 1% Balance Transfer 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)
  • BenefitsCashback Offer
  • 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 20 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.2 from 163 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 (100)
  • Rewards
    3.9 (85)
  • Online Experience
    3.7 (98)
  • Customer Service
    3.7 (101)
  • Rates and Fees
    4.2 (99)
  • Application Process
    4.3 (86)
  • 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%
Coles Rewards Mastercard

Coles Rewards Mastercard

3.3 from 114 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
    3.5 (93)
  • Rewards
    4.1 (79)
  • Online Experience
    3.5 (89)
  • Customer Service
    3.4 (97)
  • Rates and Fees
    3.6 (91)
  • Application Process
    3.7 (82)
  • 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%
Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

2.8 from 170 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
    1.8 (22)
  • Rewards
    1.9 (14)
  • Online Experience
    1.9 (20)
  • Customer Service
    1.8 (22)
  • Rates and Fees
    2.2 (19)
  • Application Process
    2.3 (20)
  • 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

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

  • Low minimum credit limit of $1,000

  • 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

  • $0 Annual Account Fee in First Year, $58 in subsequent years

  • 0% on Balance Transfers for 22 months

  • Up to 3 Additional Cardholders at no additional cost

  • 3% Foreign Transaction Fee

  • 1.5% Balance Transfer Fee and rate reverts 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)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$1,000
  • Minimum Income A$15,000
  • Rewards ProgramANZ Rewards
  • Contactless PaymentsApple Pay and Google Pay
  • Reduced First Year Annual Fee A$0
  • Balance Transfer Period 22 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1.5%
Woolworths Everyday Platinum

Woolworths Everyday Platinum

2.6 from 370 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.
American Express Platinum Edge

American Express Platinum Edge

2.6 from 63 reviews
Purchase Rate20.74% p.a.
Annual FeeA$195 p.a.
Interest Free Period 55 days
  • $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

  • Transparency
    3.5 (10)
  • Rewards
    3.1 (9)
  • Online Experience
    3.7 (11)
  • Customer Service
    3.5 (11)
  • Rates and Fees
    3.0 (11)
  • Application Process
    4.0 (10)
  • BenefitsComplimentary Travel Insurance and Travel Credit
  • Minimum Credit Limit A$3,000
  • Minimum Income A$50,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 3 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%
HSBC Platinum

HSBC Platinum

2.9 from 32 reviews
Purchase Rate19.99% p.a.
Annual FeeA$129 p.a.
Interest Free Period 55 days
  • 0% p.a. on Balance Transfers for 22 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.

  • Transparency
    3.7 (20)
  • Rewards
    3.7 (14)
  • Online Experience
    3.3 (20)
  • Customer Service
    3.6 (20)
  • Rates and Fees
    4.1 (19)
  • Application Process
    3.5 (19)
  • BenefitsComplimentary Travel Insurance
  • Minimum Credit Limit A$6,000
  • Minimum Income A$40,000
  • Rewards ProgramHSBC Rewards Plus
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 22 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
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 Balance Transfers for 20 months

  • Minimum Credit Limit of $500

  • Add an Additional Cardholder at no extra cost

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • 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)
  • Minimum Credit Limit A$500
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 20 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 2%
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

  • 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 $1,000 per month is required to receive 5,000 Bonus Qantas Points each month for 5 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 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 each month you spend $1,000 or more on eligible purchases for the first 5 months you're a cardholder.
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
Myer Visa Card

Myer Visa Card

2.0 from 75 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
    2.7 (7)
  • Rewards
    3.2 (5)
  • Online Experience
    2.4 (7)
  • Customer Service
    2.4 (7)
  • Rates and Fees
    2.6 (7)
  • Application Process
    3.4 (5)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$1,000
  • Points Earn Rate 3 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.
Virgin Australia Velocity Flyer

Virgin Australia Velocity Flyer

1.9 from 74 reviews
Purchase Rate20.74% p.a.
Annual FeeA$129 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points70,000

  • Multiple Promotional Offers to choose from (see Details below)

  • $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

  • Transparency
    2.9 (22)
  • Rewards
    3.4 (18)
  • Online Experience
    2.8 (22)
  • Customer Service
    2.8 (22)
  • Rates and Fees
    2.8 (21)
  • Application Process
    3.8 (17)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit A$6,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$35,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 0.66 points per $1
  • Contactless PaymentsSamsung Pay
  • Sign-Up Bonus Earn up to 70,000 bonus Velocity Points (20,000 points each month when you spend $1,500 or more in the first 3 months and 10,000 points after your first anniversary)
  • Introductory Rate 0% p.a. for up to 14 months on purchases.
  • Reduced First Year Annual Fee A$65
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
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%
NAB Qantas Rewards Premium

NAB Qantas Rewards Premium

2.2 from 19 reviews
Purchase Rate19.99% p.a.
Annual FeeA$250 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points30,000

  • 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

  • Transparency
    3.2 (6)
  • Rewards
    2.7 (6)
  • Online Experience
    3.3 (6)
  • Customer Service
    2.8 (6)
  • Rates and Fees
    2.6 (5)
  • Application Process
    3.3 (6)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 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%
NAB Rewards Platinum

NAB Rewards Platinum

2.3 from 16 reviews
Purchase Rate19.99% p.a.
Annual FeeA$194 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points60,000

  • 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

  • Transparency
    2.8 (8)
  • Rewards
    3.6 (9)
  • Online Experience
    3.0 (8)
  • Customer Service
    2.8 (9)
  • Rates and Fees
    2.9 (9)
  • Application Process
    3.3 (8)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Rewards ProgramNAB Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 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%
Woolworths Qantas Platinum

Woolworths Qantas Platinum

1.6 from 52 reviews
Purchase Rate20.49% p.a.
Annual FeeA$169 p.a.
Interest Free Period 55 days
  • 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)

  • BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit A$6,000
  • Minimum Income A$30,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay and Google Pay
  • Reduced First Year Annual Fee A$99
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.
Virgin Australia Velocity High Flyer

Virgin Australia Velocity High Flyer

1.5 from 17 reviews
Purchase Rate20.74% p.a.
Annual FeeA$289 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points100,000

  • 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

  • Transparency
    2.0 (8)
  • Rewards
    3.2 (5)
  • Online Experience
    1.6 (8)
  • Customer Service
    1.4 (8)
  • Rates and Fees
    2.0 (8)
  • Application Process
    2.3 (8)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit A$15,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$75,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsSamsung Pay
  • 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 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
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