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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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9 listings


Bankwest Zero Platinum MasterCard

Bankwest Zero Platinum MasterCard

4.0 from 40 reviews
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $65,000
  • Contactless Payments: Apple Pay and Google Pay
  • Balance Transfer Period : 9 months
  • Balance Transfer Rate : 2.99% p.a.
  • $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


BankWest Zero MasterCard

BankWest Zero MasterCard

3.0 from 46 reviews
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $20,000
  • Contactless Payments: Apple Pay and Google Pay
  • Balance Transfer Period : 9 months
  • Balance Transfer Rate : 2.99% p.a.
  • No annual fee

  • Accessible $1,000 minimum credit limit

  • 2.95% foreign transaction fee


Bankwest More World Mastercard

Bankwest More World Mastercard

5.0 from 1 review
Purchase Rate19.99% p.a.
Annual Fee$270 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit : $12,000
  • Minimum Income : $76,000
  • Rewards Program: BankWest More Rewards
  • Points Earn Rates : 2.5 points per $1
  • Contactless Payments: Apple Pay, Google Pay and Samsung Pay
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%
  • 115,000 Bonus Points on offer every anniversary year

  • Earn 2.5 More Rewards Points per $1 spent on eligible purchases

  • No Foreign Transaction Fees

  • Complimentary Travel Insurance and Shopping Insurances

  • 0% on Balance Transfers for the first 6 months

  • $270 Annual Fee

  • 1% Balance Transfer Fee

  • Minimum spend of $84,000 on eligible purchases required each anniversary year to receive annual bonus points


Bankwest Breeze Platinum Mastercard

Bankwest Breeze Platinum Mastercard

4.0 from 1 review
Purchase Rate9.90% p.a.
Annual Fee$79 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $6,000
  • Contactless Payments: Apple Pay
  • Introductory Rate : 0
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 9.9%
  • $0 first year Annual Fee

  • Low Ongoing Purchase Rate of 9.90% p.a.

  • 0% p.a. on Balance Transfers for 6 months

  • No Foreign Transaction Fees

  • Complimentary Overseas Travel Insurance

  • $99 Annual Fee after your first year

  • No linked rewards program


BankWest More Platinum MasterCard

BankWest More Platinum MasterCard

3.6 from 9 reviews
Purchase Rate19.99% p.a.
Annual Fee$160 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $65,000
  • Rewards Program: BankWest More Rewards
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%
  • Earn 75,000 Annual Bonus Points every year

  • Earn 2 points per $1 spent on eligible purchases

  • No Foreign Transaction Fees

  • Complimentary Travel and Shopping Insurances

  • 0% p.a. on Balance Transfers for the first 6 months

  • $160 Annual Fee

  • Minimum $48,000 spend required each anniversary year to receive Bonus Points

  • 1% Balance Transfer Fee


Suncorp Clear Options Platinum

Suncorp Clear Options Platinum

3.5 from 6 reviews
Purchase Rate20.74% p.a.
Annual Fee$129 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance, Introductory Interest Rate and Reduced First Year Annual Fee
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $30,000
  • Rewards Program: Suncorp Rewards
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Google Pay and Samsung Pay
  • Introductory Rate : 0% p.a. for 14 months on Purchases
  • Reduced First Year Annual Fee : $49
  • Balance Transfer Period : 18 months
  • Balance Transfer Rate : 0% p.a.
  • Discounted $49 Annual Fee for your first year ($129 thereafter)

  • 0% p.a. for 14 months on Balance Transfers

  • Earn 1.25 Rewards points per dollar spent

  • Complimentary International Travel Insurance and Extended Warranty Insurance

  • 3.4% International Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate of 21.99% after 14 months


BankWest More Classic MasterCard

BankWest More Classic MasterCard

3.0 from 4 reviews
Purchase Rate19.99% p.a.
Annual Fee$100 p.a.
Interest Free Period 44 days
  • Benefits: Cashback Offer
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $19,000
  • Rewards Program: BankWest More Rewards
  • Points Earn Rates : 1.5 points per $1
  • Contactless Payments: Apple Pay
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%
  • Earn 19.5k Annual Bonus Points every year

  • Earn 1.5 Rewards Points per $1 spent on eligible purchases

  • 0% p.a. on Balance Transfers for the first 6 months

  • Accessible Minimim Credit Limit of $1,000

  • $100 Annual Fee

  • 2.95% Foreign Transaction Fee

  • Minimum $24,000 spend required each anniversary year to receive Bonus Points


BankWest Low Rate Business Mastercard

BankWest Low Rate Business Mastercard

1.0 from 1 review
Purchase Rate11.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $25,000
  • Contactless Payments: Apple Pay and Google Pay
  • 11.99% p.a. Interest Rate on Purchases, Balance Transfers and Cash Advances

  • Add up to 3 Additional Cardholders under one monthly account

  • $99 Annual Fee

  • 2.95% Foreign Transaction Fee


Bankwest Breeze Classic Mastercard

Bankwest Breeze Classic Mastercard

No reviews
Purchase Rate9.90% p.a.
Annual Fee$79 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit : $1,000
  • Contactless Payments: Apple Pay and Google Pay
  • Reduced First Year Annual Fee : $0
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • $0 first year Annual Fee

  • Low Ongoing Purchase Rate of 9.90% p.a.

  • 0% on Balance Transfers for 6 months

  • Accessible Minimum Credit Limit of $1,000

  • $79 Annual Fee after your first year

  • 2.95% Foreign Transaction Fee