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Balance Transfer 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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8 listings


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

Citibank Citi Rewards Platinum
  • Contact Number: 1300 300 470
  • Card Type: Visa
  • Benefits: Introductory Interest Rate, Reduced First Year Annual Fee and Sign-Up Points Bonus Offer
  • Minimum Credit Limit: $6,000
  • Maximum Credit Limit: $100,000
  • Minimum Income: $35,000
  • Rewards Program: Citi Rewards
  • Annual Fee: $49
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive 100,000 bonus points when you spend $3,000 in the first 90 days from approval.
  • Reduced First Year Annual Fee: $49.00
  • Balance Transfer Period: 15 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1%

Citibank Rewards Signature
  • Contact Number: 1300 300 470
  • Australian Owned: No
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Sign-Up Points Bonus Offer
  • Maximum Credit Limit: $100,000
  • Minimum Income: $75,000
  • Rewards Program: Citi Rewards
  • Annual Fee: $395
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive 120,000 when you spend 4,000 within the first 90 days
  • Balance Transfer Period: 12 months
  • Balance Transfer Rate: 0% p.a.

Virgin Australia Velocity Flyer
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Points Bonus Offer
  • Minimum Credit Limit: $15,000
  • Maximum Credit Limit: $50,000
  • Minimum Income: $75,000
  • Rewards Program: Velocity Frequent Flyer
  • Annual Fee: $129
  • 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
  • Minimum Credit Limit: $15,000
  • Maximum Credit Limit: $50,000
  • Minimum Income: $75,000
  • Rewards Program: Velocity Frequent Flyer
  • Annual Fee: $289
  • Interest Free Period: 44 days
  • Balance Transfer Period: 15 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

Citibank Clear Platinum
  • Contact Number: 1300 300 470
  • Australian Owned: No
  • Card Type: Visa
  • Benefits: Reduced First Year Annual Fee
  • Maximum Credit Limit: $100,000
  • Minimum Income: $35,000
  • Rewards Program: Citi Rewards
  • Annual Fee: $99
  • Interest Free Period: 55 days
  • Reduced First Year Annual Fee: $99.00
  • Balance Transfer Period: 14 months
  • Balance Transfer Rate: 0% p.a.

Citibank Emirates Citi World Mastercard
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Points Bonus Offer
  • Maximum Credit Limit: $100,000
  • Minimum Income: $75,000
  • Rewards Program: Emirates Skywards
  • Annual Fee: $299
  • Interest Free Period: 55 days
  • 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: $74.50
  • Balance Transfer Period: 9 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

Virgin Money Low Rate
  • Contact Number: 13 37 39
  • Card Type: Visa
  • Benefits: Cashback Offer
  • Minimum Credit Limit: $6,000
  • Minimum Income: $35,000
  • Annual Fee: $49
  • Interest Free Period: 44 days
  • Balance Transfer Period: 0 months
  • Balance Transfer Rate: 14% p.a.