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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.

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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, want a balance transfer credit card with an annual fee of at most $100, with a 0% balance transfer rate and a maximum balance transfer fee of 1%? Take a look at the results here.

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18 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)


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%

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%

Lombard 180 Card
  • Card Type: Visa
  • Benefits: Introductory Interest Rate
  • Minimum Credit Limit: $1,000
  • Minimum Income: $25,000
  • Contactless Payments: Apple Pay
  • Annual Fee: $99 p.a.
  • Interest Free Period: 55 days
  • Introductory Rate: 0% interest for 6 months on any Lombard 180 card purchase of $250 or more
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

Once Credit Card Agile Card
  • Card Type: Visa
  • Benefits: Introductory Interest Rate
  • Minimum Credit Limit: $1,000
  • Maximum Credit Limit: $30,000
  • Contactless Payments: Apple Pay
  • Annual Fee: $99 p.a.
  • Interest Free Period: 55 days
  • Introductory Rate: 0% p.a. for 6 months on any purchase of $250 or more
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

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%

Bank of Queensland Blue Visa
  • Card Type: Visa
  • Benefits: Sign-Up Bonus Points Offer
  • Maximum Credit Limit: $10,000
  • Minimum Income: $25,000
  • Rewards Program: Q Rewards
  • Points Earn Rate: 1 points per $1
  • Contactless Payments: Samsung Pay
  • 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%

St.George No Annual Fee
  • Card Type: Visa
  • Minimum Credit Limit: $500
  • Maximum Credit Limit: $40,000
  • Contactless Payments: 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 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%

BankWest More Classic MasterCard
  • Card Type: Mastercard
  • Benefits: Cashback Offer
  • Minimum Credit Limit: $1,000
  • Maximum Credit Limit: $25,000
  • Minimum Income: $19,000
  • Rewards Program: BankWest More Rewards
  • Points Earn Rate: 1.5 points per $1
  • Contactless Payments: Apple Pay
  • Annual Fee: $100 p.a.
  • Interest Free Period: 44 days
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1%

Once Credit Card 55 Day Card
  • Card Type: Visa
  • Minimum Credit Limit: $1,000
  • Maximum Credit Limit: $30,000
  • Contactless Payments: Apple Pay
  • Annual Fee: $99 p.a.
  • Interest Free Period: 55 days
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

HSBC Platinum Qantas
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit: $6,000
  • Maximum Credit Limit: $60,000
  • Minimum Income: $40,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rate: 1 points per $1
  • Contactless Payments: Apple Pay
  • Annual Fee: $79 p.a.
  • Interest Free Period: 55 days
  • Reduced First Year Annual Fee: $0.00
  • Balance Transfer Period: 12 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

BankSA No Annual Fee Visa
  • Card Type: Visa
  • Minimum Credit Limit: $500
  • Maximum Credit Limit: $40,000
  • Contactless Payments: Apple 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%

Lombard 55 Card
  • Card Type: Visa
  • Minimum Credit Limit: $1,000
  • Minimum Income: $25,000
  • Contactless Payments: Apple Pay
  • Annual Fee: $99 p.a.
  • Interest Free Period: 55 days
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

St.George Vertigo
  • Card Type: Visa
  • Contactless Payments: Google Pay and Samsung Pay
  • Annual Fee: $55 p.a.
  • Interest Free Period: 55 days
  • Balance Transfer Period: 16 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

St.George Amplify Platinum - Amplify Rewards
  • Card Type: Visa
  • Benefits: Sign-Up Bonus Points Offer
  • Minimum Credit Limit: $6,000
  • Rewards Program: Amplify Rewards
  • Points Earn Rate: 1 points per $1
  • Contactless Payments: Google Pay and Samsung Pay
  • Annual Fee: $99 p.a.
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive 100,000 bonus Amplify Points (50,000 points with minimum spend of $6,000 per year for 2 years)
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

St.George Vertigo Platinum
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Reduced First Year Annual Fee
  • Contactless Payments: Samsung Pay
  • Annual Fee: $99 p.a.
  • Interest Free Period: 55 days
  • Balance Transfer Period: 18 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

St.George Amplify Platinum - Qantas Frequent Flyer
  • Card Type: Visa
  • Benefits: Sign-Up Bonus Points Offer
  • Minimum Credit Limit: $6,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rate: 0.5 points per $1
  • Contactless Payments: Google Pay
  • Annual Fee: $99 p.a.
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive 60,000 bonus Qantas Points when you spend at least $2000 within 90 days of card aproval.
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%