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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.

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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, 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%

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13 listings


Westpac Low Rate

Westpac Low Rate

3.6 from 59 reviews
Purchase Rate13.74% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : $25,000
  • Minimum Income : $15,000
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period : 16 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%
  • 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


ANZ Low Rate

ANZ Low Rate

3.2 from 36 reviews
Purchase Rate12.49% p.a.
Annual Fee$58 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $1,000
  • Minimum Income : $15,000
  • Rewards Program: ANZ Rewards
  • Contactless Payments: Apple Pay and Google Pay
  • Balance Transfer Period : 15 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%
  • 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


HSBC Platinum

HSBC Platinum

2.8 from 30 reviews
Purchase Rate19.99% p.a.
Annual Fee$129 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance and Introductory Interest Rate
  • Minimum Credit Limit : $6,000
  • Minimum Income : $40,000
  • Rewards Program: HSBC Rewards Plus
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Google Pay
  • 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%
  • 0% p.a. Interest Rate on purchases for the first 12 months

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


Virgin Australia Velocity Flyer

Virgin Australia Velocity Flyer

1.9 from 69 reviews
Purchase Rate20.74% p.a.
Annual Fee$129 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $35,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rates : 0.66 points per $1
  • Contactless Payments: Samsung Pay
  • Sign-Up Bonus : Earn up to 70,000 bonus Velocity Points (25,000 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 : $65
  • Balance Transfer Period : 22 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

Sign-Up Bonus Points70,000


Virgin Australia Velocity High Flyer

Virgin Australia Velocity High Flyer

1.6 from 14 reviews
Purchase Rate20.74% p.a.
Annual Fee$289 p.a.
Interest Free Period 44 days
  • 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
  • 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

Sign-Up Bonus Points100,000


Bank of Queensland Blue Visa

Bank of Queensland Blue Visa

5.0 from 5 reviews
Purchase Rate20.74% p.a.
Annual Fee$60 p.a.
Interest Free Period 44 days
  • Benefits: Cashback Offer and 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
  • 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%
  • $60 Annual Fee

  • $120 cash back if you spend $500 per month on retail purchases for the first 3 months

  • Earn 1 Q Rewards Point for every dollar spent on eligible transactions

  • 0% on Balance Transfers for 6 months

  • Purchase Cover Insurance and Guaranteed Pricing Scheme

  • 3.4% International Transaction Fee

  • Balance Transfer Rate reverts to the high Cash Advance Rate of 21.74% p.a. after the promotional period


St.George Vertigo

St.George Vertigo

4.5 from 2 reviews
Purchase Rate13.99% p.a.
Annual Fee$55 p.a.
Interest Free Period 55 days
  • Contactless Payments: Google Pay and Samsung Pay
  • Balance Transfer Period : 16 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%
  • 13.99% p.a. Interest Rate on purchases

  • 0% p.a. on Balance Transfers for 16 months

  • 3% Foreign Transaction Fee


St.George Amplify Signature - Amplify Rewards

St.George Amplify Signature - Amplify Rewards

4.0 from 3 reviews
Purchase Rate19.74% p.a.
Annual Fee$279 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $15,000
  • Rewards Program: Amplify Rewards
  • Points Earn Rates : 1.5 points per $1
  • Contactless Payments: Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 130,000 bonus Amplify Points in year 1 plus a further 70,000 in year 2 when you spend at least $12,000 on eligible purchases each year.
  • Reduced First Year Annual Fee : $139
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%
  • 200,000 Bonus Amplify Points on offer

  • Earn 1.5 Amplify Points for each dollar spent on eligible purchases, uncapped. Plus, receive Birthday Bonus Points

  • 0% pa. on Balance Transfers for 6 months

  • Complimentary Insurance Covers for Overseas Travel, Extended Warranty, Purchase Protection and Price Guarantee

  • 2 Complimentary Priority Pass Lounge Visits each year

  • $179 Annual Card Fee for the first year ($279 thereafter)

  • 3% Overseas Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate of 21.49% after the first 6 months

Sign-Up Bonus Points200,000


St.George Amplify Platinum - Amplify Rewards

St.George Amplify Platinum - Amplify Rewards

4.0 from 1 review
Purchase Rate19.74% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Benefits: Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Rewards Program: Amplify Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 100,000 bonus Amplify Points (70,000 bonus Amplify points when you spend a minimum amount of $6,000 on eligible purchases on the Amplify Platinum credit card within 12 months from card approval. You'll receive an additional 30,000 bonus Amplify points in the second year of your credit account being active, if you spend a minimum of $6,000 on eligible purchases within the subsequent year)
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%
  • 100,000 Bonus Amplify Points on offer

  • Earn 1 Amplify Point per $1 spent, uncapped

  • Complimentary Travel Insurance and Extended Warranty Insurance

  • 0% for 6 months on Balance Transfers & No Balance Transfer Fee

  • $99 Annual Card Fee

  • 3% Overseas Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate after the first 6 months

Sign-Up Bonus Points100,000


St.George Amplify Signature - Qantas Frequent Flyer

St.George Amplify Signature - Qantas Frequent Flyer

3.8 from 8 reviews
Purchase Rate19.74% p.a.
Annual Fee$279 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $15,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Google Pay
  • Sign-Up Bonus : Receive 80,000 bonus Qantas points when you spend at least $6,000 within 90 days of card approval.
  • Reduced First Year Annual Fee : $139
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%
  • 90,000 Qantas bonus points on offer

  • Earn 0.75 points per $1 spent on eligible purchases, uncapped. Plus, receive Birthday Bonus Points

  • 0% on Balance Transfers for 6 months

  • Complimentary Travel Insurance and Extended Warranty

  • $179 Annual Card Fee for the first year ($179 thereafter)

  • 3% Overseas Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate of 21.49% after the first 6 months

Sign-Up Bonus Points80,000


HSBC Platinum Qantas

HSBC Platinum Qantas

2.4 from 7 reviews
Purchase Rate19.99% p.a.
Annual Fee$79 p.a.
Interest Free Period 55 days
  • 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 Rates : 1 points per $1
  • Contactless Payments: Apple Pay
  • Reduced First Year Annual Fee : $0
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%
  • $0 Annual Fee in the first year ($79 in subsequent years)

  • 0% p.a. Balance Transfer for 12 months

  • Earn 1 Qantas point per $1 spent up to $2,500 per statement period on eligible purchases

  • Complimentary Insurance Benefits

  • 3% Overseas Exchange fee

  • Points Earn Rate drops to 0.5 Qantas Points per $1 spent after the first $2,500 per statement period


Citibank Emirates Citi World Mastercard

Citibank Emirates Citi World Mastercard

1.0 from 2 reviews
Purchase Rate21.49% p.a.
Annual Fee$299 p.a.
Interest Free Period 55 days
  • 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: Emirates Skywards
  • Points Earn Rates : 1.5 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Sign-Up Bonus : Receive 60,000 Skywards Miles (50,000 Miles on your first spend within 90 days of card approval and additional 10,000 Miles when you spend a minimum of $500 on emirates.com during the period)
  • Reduced First Year Annual Fee : $149
  • Balance Transfer Period : 9 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%
  • Up to 60,000 Bonus Skywards Miles on offer

  • Earn up to 1.5 Skywards Miles per dollar

  • 5 Complimentary Insurances including International Travel Insurance

  • Two Complimentary Lounge Passes and Airport Transfers each year

  • 0% p.a. on Balance Transfers for 9 months

  • World Golf Benefits

  • $299 Annual Fee ($149 in your first year)

  • 3.4% International Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate after the first 9 months

Sign-Up Bonus Points60,000


St.George Amplify Platinum - Qantas Frequent Flyer

St.George Amplify Platinum - Qantas Frequent Flyer

No reviews
Purchase Rate19.74% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Benefits: Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.5 points per $1
  • Contactless Payments: Google Pay and Samsung Pay
  • 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%
  • 60,000 Bonus Qantas Points on offer

  • Earn 0.5 points per $1 on eligible purchases

  • 0% on Balance Transfers for 6 months & No Balance Transfer Fee

  • 3% Overseas Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate after 6 months

Sign-Up Bonus Points60,000