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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 credit cards and find the best balance transfer credit card for you. In addition to common credit card filters, use our group of specific Balance Transfer Rates filters to find balance transfer cards that suit your needs.

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Balance Transfer Period Choose how many months you prefer or think you'll need to stay on the balance transfer rate for. There are many options, whether you need 6 months or 2 years.

Balance Transfer Rate A low 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.

Balance Transfer Fee Depending on the amount you'd like to transfer over to your new credit card, the balance transfer fee can be a costly additional expense. Use the filter to sort 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 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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13 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%

Qantas American Express Ultimate
  • Card Type: American Express
  • Benefits: Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit: $3,000
  • Minimum Income: $65,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rate: 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Annual Fee: $450 p.a.
  • Interest Free Period: 44 days
  • Sign-Up Bonus: Receive 55,000 bonus Qantas Points when you spend $3,000 within the first 3 months.
  • Balance Transfer Period: 12 months
  • Balance Transfer Rate: 0% p.a.

Virgin Money No Annual Fee Visa
  • Card Type: Visa
  • Minimum Credit Limit: $2,000
  • Minimum Income: $25,000
  • Contactless Payments: Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 44 days
  • Balance Transfer Period: 36 months
  • Balance Transfer Rate: 6.9% p.a.
  • Balance Transfer Fee: 0%

American Express Platinum Edge
  • Card Type: American Express
  • Benefits: Complimentary Travel Insurance and Travel Credit
  • Minimum Credit Limit: $3,000
  • Minimum Income: $50,000
  • Rewards Program: American Express Membership Rewards
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Annual Fee: $195 p.a.
  • Interest Free Period: 55 days
  • Balance Transfer Period: 12 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1%

American Express Essential
  • Card Type: American Express
  • Minimum Credit Limit: $2,000
  • Maximum Credit Limit: $25,000
  • Minimum Income: $40,000
  • Rewards Program: American Express Membership Rewards
  • 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: 3%

Virgin Australia Velocity Flyer
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee, 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 Rate: 0.66 points per $1
  • Points Conditions: 0.66 Points per $1 for the first $1500 of spend in each statement period, 0.5 Points per $1 after $1500 of spend in each statement period.
  • Contactless Payments: Samsung Pay
  • Annual Fee: $129 p.a.
  • Interest Free Period: 44 days
  • Sign-Up Bonus: Earn up to 75,000 bonus Velocity Points (25,000 Points each month when you spend $1,500 or more for the first 3 months).
  • Introductory Rate: 0% p.a. for up to 14 months on purchases.
  • Reduced First Year Annual Fee: $64.50
  • Balance Transfer Period: 18 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

Virgin Australia Velocity High Flyer
  • Card Type: Visa
  • 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 Rate: 1 points per $1
  • Points Conditions: 1 Point per $1 for the first $8000 of spend each statement period, 0.5 Points per $1 after $8000 in each statement period.
  • Contactless Payments: Samsung Pay
  • Annual Fee: $289 p.a.
  • Interest Free Period: 44 days
  • Sign-Up Bonus: Earn up to 90,000 bonus Velocity Points (30,000 Points each month when you spend $3,000 or more for the first 3 months).
  • Balance Transfer Period: 15 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%

American Express Explorer
  • Card Type: American Express
  • Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit: $3,000
  • Minimum Income: $65,000
  • Rewards Program: American Express Membership Rewards
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Annual Fee: $395 p.a.
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive 50,000 Membership Rewards Bonus Points when you spend $3,000 in the first 3 months.
  • Balance Transfer Period: 12 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1%

Qantas American Express Premium
  • Card Type: American Express
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit: $2,000
  • Maximum Credit Limit: $50,000
  • Minimum Income: $40,000
  • Rewards Program: Qantas Frequent Flyer
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Annual Fee: $249 p.a.
  • Interest Free Period: 44 days
  • Sign-Up Bonus: Receive 30,000 bonus Qantas Points when you spend $3,000 in the first 3 months.
  • Balance Transfer Period: 12 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1%

American Express Velocity Platinum
  • Card Type: American Express
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit: $3,000
  • Maximum Credit Limit: $10,000
  • Minimum Income: $65,000
  • Rewards Program: Velocity Frequent Flyer
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Annual Fee: $375 p.a.
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive 50,000 bonus Velocity Points when you spend $3,000 within the first 3 months.
  • 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
  • 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%

Virgin Money Low Rate
  • Card Type: Visa
  • Benefits: Cashback Offer
  • Minimum Credit Limit: $6,000
  • Minimum Income: $35,000
  • Contactless Payments: Samsung Pay
  • Annual Fee: $49 p.a.
  • Interest Free Period: 44 days
  • Balance Transfer Period: 0 months
  • Balance Transfer Rate: 14% p.a.