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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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12 listings


Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

2.9 from 160 reviews
Purchase Rate18.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Minimum Credit Limit : $2,000
  • Minimum Income : $25,000
  • Contactless Payments: Samsung Pay
  • Balance Transfer Period : 36 months
  • Balance Transfer Rate : 6.9% p.a.
  • Balance Transfer Fee : 0%
  • No Annual Fee

  • 6.9% p.a. on balance transfers for up to 36 months if you apply by 02 December 2019

  • 3.3% International Transaction Fee

  • You can't earn Velocity Points even though this card is issued by Virgin

  • Balance Transfer Rate at the end of the offer period reverts to the Cash Advance Rate of 20.99% p.a.


Citibank Citi Rewards Platinum

Citibank Citi Rewards Platinum

2.9 from 71 reviews
Purchase Rate21.49% p.a.
Annual Fee$149 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $100,000
  • Minimum Income : $35,000
  • Rewards Program: Citi Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Sign-Up Bonus : Receive up to 120,000 bonus points (80,000 points when you spend $3,000 in the first 90 days from approval and an additional 40,000 points on your first anniversary)
  • Reduced First Year Annual Fee : $49
  • Balance Transfer Period : 15 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%
  • Multiple Promotional Offers to choose from (see Details) if you apply by 31 January 2020

  • Points Earn Rate: 1 Citi Point per $1 spent

  • Linked Diners Club Card has No International Transaction Fees and 2 Citi Points per $1 spent earn rate

  • 0% on Balance Transfers for either 12, 15 or 26 months

  • Reduced $0 or $49 Annual Fee in your first year

  • $149 or $199 Annual Fee after your first year

  • 3.4% International Transaction Fee

  • 1% or 1.5% Balance Transfer Fee may apply depending on which sign-up offer you choose

Sign-Up Bonus Points120,000


Citibank Citi Rewards Signature

Citibank Citi Rewards Signature

2.7 from 24 reviews
Purchase Rate21.49% p.a.
Annual Fee$395 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: Citi Rewards
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Sign-Up Bonus : Receive 120,000 Bonus Points when you spend $4,000 in the first 90 days from card approval
  • Reduced First Year Annual Fee : $199
  • Balance Transfer Period : 15 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%
  • Up to 120,000 Bonus Rewards Points on offer

  • 0% p.a. on Balance Transfers for 15 months

  • Earn up to 2 Citi Rewards Points per $1 spent

  • Linked Diners Club Card includes uncapped earn rate of 2 Points per $1 and No International Transaction Fees

  • Complimentary International Travel Insurance and Two Airport Lounge Passes each year

  • High $199 Annual Fee in the first year & $395 for each subsequent year

  • 1% Balance Transfer Fee

  • 3.4% International Transaction Fee

  • Minimum Credit Limit of $15,000

Sign-Up Bonus Points120,000


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).
  • 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


Citibank Citi Simplicity

Citibank Citi Simplicity

5.0 from 1 review
Purchase Rate21.49% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $100,000
  • Contactless Payments: Apple Pay and Samsung Pay
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • No Annual Card Fee and No Late Payment Fee

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

  • Add up to 4 Additional Cardholders at no additional cost

  • 3.4% International Transaction Fee

  • Balance Transfer Rate reverts to the high Cash Advance Rate of 19.99% p.a. after the offer period ends


Citibank Citi Signature Qantas

Citibank Citi Signature Qantas

5.0 from 5 reviews
Purchase Rate21.49% p.a.
Annual Fee$444 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $15,000
  • Maximum Credit Limit : $100,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Sign-Up Bonus : Receive up to 150,000 bonus Qantas Points (100,000 points when you spend $5,000 within 90 days from card approval, plus an additional 50,000 points after your first anniversary)
  • Reduced First Year Annual Fee : $0
  • Balance Transfer Period : 15 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%
  • Up to 150,000 Bonus Qantas Points on offer

  • $49 Annual Fee in your first year

  • Earn up to 1 Qantas Point per $1 spent

  • 0% p.a. on Balance Transfers for 15 months, 0% Balance Transfer Fee

  • Complimentary Insurances, including International Travel Insurance

  • $444 Annual Fee after your first year

  • Minimum Credit Limit of $15,000

  • 3.4% International Transaction Fee

Sign-Up Bonus Points150,000


Citibank Citi Clear Platinum

Citibank Citi Clear Platinum

3.3 from 7 reviews
Purchase Rate14.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee
  • Maximum Credit Limit : $100,000
  • Minimum Income : $35,000
  • Rewards Program: Citi Rewards
  • Contactless Payments: Apple Pay and Samsung Pay
  • Introductory Rate : 0% p.a. for the first 9 months
  • Reduced First Year Annual Fee : $99
  • Balance Transfer Period : 14 months
  • Balance Transfer Rate : 0% p.a.
  • No Annual Fee in your first year

  • 0% p.a. for 9 months on purchases and balance transfers

  • Low Purchase Rate of 14.99% p.a.

  • Complimentary Purchase Cover and Extended Warranty Insurance

  • $99 Annual Fee after your first year

  • 3.4% International Transaction Fee

  • No attached rewards program


Citibank Citi Prestige

Citibank Citi Prestige

3.0 from 1 review
Purchase Rate20.99% p.a.
Annual Fee$700 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $30,000
  • Maximum Credit Limit : $100,000
  • Rewards Program: Citi Rewards
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Sign-Up Bonus : Receive 150,000 Points when you spend $5,000 within the first 90 days of card approval
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • 150,000 Bonus Points on offer

  • Earn up to 3 Points for every $1 spent

  • Unlimited Airport Lounge Access and Complimentary Airport Transfer Service

  • Complimentary International Travel Insurance and Complimentary Hotel Stay

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

  • Add up to 4 Additional Cardholders at no extra cost

  • $700 Annual Fee

  • 3.4% International Transaction Fee

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

  • Minimum Credit Limit of $30,000

Sign-Up Bonus Points150,000


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


Virgin Money Low Rate

Virgin Money Low Rate

1.0 from 4 reviews
Purchase Rate11.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 44 days
  • Benefits: Cashback Offer
  • Minimum Credit Limit : $6,000
  • Minimum Income : $35,000
  • Contactless Payments: Samsung Pay
  • Balance Transfer Period : 14 months
  • Balance Transfer Rate : 0% p.a.
  • Purchase Rate of 11.9% p.a.

  • $49 Annual Fee

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

  • 3.3% International Transaction Fee

  • Balance Transfers revert to a high Cash Advance Rate of 21.69% after the offer period ends

  • You can't earn Velocity Points even though this card is issued by Virgin


Citibank Citi Prestige Qantas

Citibank Citi Prestige Qantas

No reviews
Purchase Rate21.49% p.a.
Annual Fee$749 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance
  • Minimum Credit Limit : $30,000
  • Maximum Credit Limit : $100,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1.5 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Sign-Up Bonus : Receive 70,000 bonus Qantas Points on your first spend within 90 days from card approval
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.
  • Up to 70,000 bonus Qantas Points on offer

  • Earn up to 1.5 Qantas Points per $1 spent

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

  • Complimentary Airport Transfers, Hotel Stay and Unlimited Lounge Access

  • Complimentary Insurances including International Travel Insurance, Purchase Cover Insurance and Extended Warranty Insurance

  • Add up to 4 Additional Cardholders at no extra cost

  • $749 Annual Fee

  • 3.4% International Transaction Fee

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

  • Minimum Credit Limit of $30,000

Sign-Up Bonus Points70,000