Best Balance Transfer Credit Cards

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69 listings

Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.3 from 52 reviews
Purchase Rate20.74% p.a.
Annual Fee$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)
  • Customer Service
    4.7 (35)
  • Rates and Fees
    4.3 (36)
  • Rewards
    4.2 (33)
  • Online Experience
    4.4 (34)
  • Application Process
    4.6 (34)
  • BenefitsTravel Credit
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $100,000
  • Minimum Income $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

3.8 from 69 reviews
Purchase Rate20.74% p.a.
Annual Fee$450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points100,000

  • 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
    4.1 (39)
  • Customer Service
    4.4 (41)
  • Rates and Fees
    3.4 (41)
  • Rewards
    4.5 (40)
  • Online Experience
    4.1 (39)
  • Application Process
    4.3 (42)
  • Foreign Transaction Fee 3%
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $65,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple 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 Fee$29 p.a.
Interest Free Period 55 days
  • $150 cashback if you apply by 30 June 2021 and spend $1,000 on purchases by 30 September 2021

  • $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)
  • Customer Service
    4.3 (36)
  • Rates and Fees
    3.9 (36)
  • Rewards
    3.1 (12)
  • Online Experience
    4.4 (36)
  • Application Process
    4.4 (30)
  • Foreign Transaction Fee 3%
  • BenefitsCashback Offer, Introductory Interest Rate and Reduced First Year Annual Fee
  • Minimum Credit Limit $500
  • Maximum Credit Limit $50,000
  • Minimum Income $15,000
  • Introductory Rate 0% p.a. for the first 15 months
  • Reduced First Year Annual Fee $0
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 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 44 reviews
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
Commonwealth Bank Awards

Commonwealth Bank Awards

3.5 from 85 reviews
Purchase Rate20.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
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Best Credit Cards in 2020!

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What Is Peer-To-Peer Lending?

Peer-to-peer lending is quickly gaining popularity among Australian borrowers and investors. If you've never heard of it before, this 2 minute read will give you a quick rundown so you can decide if P2P lending is right for you.

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Westpac Low Rate

Westpac Low Rate

3.6 from 60 reviews
Purchase Rate13.74% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.1 from 171 reviews
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
Coles Rewards Mastercard

Coles Rewards Mastercard

3.1 from 129 reviews
Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
ANZ Platinum

ANZ Platinum

3.5 from 28 reviews
Purchase Rate20.24% p.a.
Annual Fee$87 p.a.
Interest Free Period 55 days
Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

2.8 from 170 reviews
Purchase Rate18.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
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
Commonwealth Bank Low Rate
  • Award Winner 2020

Commonwealth Bank Low Rate

4.4 from 12 reviews
Purchase Rate13.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
American Express Explorer

American Express Explorer

4.0 from 15 reviews
Purchase Rate20.74% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

ANZ First

ANZ First

3.3 from 27 reviews
Purchase Rate20.24% p.a.
Annual Fee$30 p.a.
Interest Free Period 55 days
Woolworths Everyday Platinum

Woolworths Everyday Platinum

2.6 from 372 reviews
Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
Related Articles
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Best Super Funds in 2020!

A good super fund can make a substanial difference to the amount you retire with. From retail super funds to self managed super funds, view reviewer ratings for the best super funds of 2020!

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BankWest Zero MasterCard Classic

BankWest Zero MasterCard Classic

2.9 from 48 reviews
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
St. George Amplify Signature

St. George Amplify Signature · includes 2 listings

3.6 from 18 reviews
Purchase Rate19.74% p.a.
Annual Fee$279 p.a.

Sign-Up Bonus Points90,000 to 200,000

Commonwealth Bank Platinum Awards

Commonwealth Bank Platinum Awards

2.9 from 35 reviews
Purchase Rate20.24% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points80,000

American Express Platinum Edge

American Express Platinum Edge

2.6 from 63 reviews
Purchase Rate20.74% p.a.
Annual Fee$195 p.a.
Interest Free Period 55 days
HSBC Platinum

HSBC Platinum

2.8 from 34 reviews
Purchase Rate19.99% p.a.
Annual Fee$129 p.a.
Interest Free Period 55 days
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