??!

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.

Read More...

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%

Go to first result

76 listings


Kogan Money Black Card

Kogan Money Black Card

1.0 from 13 reviews
  • Earn $500 Kogan.com Credit when you apply and spend $500 in the first 30 days from approval

  • No Annual Fee

  • 3.4% International Transaction Fee

  • Reward points can only be redeemed for eligible purchases on Kogan.com, Kogan Mobile or Kogan Internet

Purchase Rate20.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Points Earn Rate 1 points per $1
  • Sign-Up Bonus Receive $500 in Kogan.com credit when you apply by 12 January 2020 and spend $500 in the first 30 days.
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Transparency
    1.1
  • Rewards
    1.2
  • Online Experience
    1.1
  • Customer Service
    1.1
  • Rates and Fees
    1.4
  • Application Process
    1.8
  • Earn $500 Kogan.com Credit when you apply and spend $500 in the first 30 days from approval

  • No Annual Fee

  • 0% p.a. for 12 months on Balance Transfers

  • Complimentary Kogan First Membership

  • 3.4% International Transaction Fee

  • Reward points can only be redeemed for eligible purchases on Kogan.com, Kogan Mobile or Kogan Internet


Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.4 from 50 reviews
  • No Annual Fee

  • No Points Earn Cap

  • Generally fewer sign-up bonus points compared to other cards

  • Low Interest-Free Period (44 Days)

Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Minimum Credit Limit $2,000
  • 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%
  • Transparency
    4.5
  • Rewards
    4.4
  • Online Experience
    4.5
  • Customer Service
    4.8
  • Rates and Fees
    4.4
  • Application Process
    4.7
  • 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)


Bankwest Zero Platinum MasterCard

Bankwest Zero Platinum MasterCard

3.9 from 41 reviews
  • $0 Annual Fee

  • No Foreign Transaction Fees

  • No attached rewards program

Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $50,000
  • Minimum Income $65,000
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 9 months
  • Balance Transfer Rate 2.99% p.a.
  • Transparency
    4.5
  • Rewards
    2.6
  • Online Experience
    4.2
  • Customer Service
    4.0
  • Rates and Fees
    4.5
  • Application Process
    4.3
  • $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


Coles Rewards Mastercard

Coles Rewards Mastercard

3.5 from 102 reviews
  • 120,000 Bonus Points when you apply by 31 January 2020 and spend $3,000 in the first 90 days from approval

  • No International Transaction Fee

  • Relatively high $99 Annual Fee

  • $30 Late Payment Fee

Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • BenefitsNo Foreign Transaction Fee and Sign-Up Bonus Points Offer
  • Rewards Programflybuys and Velocity Frequent Flyer
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Sign-Up Bonus Receive 100,000 Bonus Points when you spend $3,000 in the first 90 days from approval plus 20,000 Bonus Points after your first anniversary.
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
  • Transparency
    3.8
  • Rewards
    4.3
  • Online Experience
    3.8
  • Customer Service
    3.7
  • Rates and Fees
    3.8
  • Application Process
    4.0
  • 120,000 Bonus Points when you apply by 31 January 2020 and spend $3,000 in the first 90 days from approval

  • No International Transaction Fee

  • Earn 2 flybuys Points per $1 on eligible spend

  • $10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points

  • 0% p.a. on balance transfers for 14 months

  • Relatively high $99 Annual Fee

  • $30 Late Payment Fee


Coles Low Rate MasterCard

Coles Low Rate MasterCard

1.6 from 536 reviews
  • 0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020

  • Low $58 Annual Fee

  • flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1

  • 2.5% International Transaction Fee

Purchase Rate12.99% p.a.
Annual Fee$58 p.a.
Interest Free Period 55 days
  • BenefitsIntroductory Interest Rate
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $60,000
  • Minimum Income $25,000
  • Rewards Programflybuys
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Introductory Rate 0% p.a. for the first 12 months
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Transparency
    3.2
  • Rewards
    3.4
  • Online Experience
    2.9
  • Customer Service
    2.6
  • Rates and Fees
    3.3
  • Application Process
    3.5
  • 0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020

  • Low $58 Annual Fee

  • Low 12.99% p.a. Interest Rate on purcahes

  • flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1

  • 2.5% International Transaction Fee


Qantas American Express Ultimate

Qantas American Express Ultimate

4.0 from 65 reviews
  • Regular Bonus Point Offers (currently 55,000)

  • High Points Earn Rate

  • High Annual Fee ($450)

  • Only 44 days Interest-Free Period

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

Sign-Up Bonus Points55,000

  • 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, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 55,000 bonus Qantas Points when you apply online and spend $3,000 within the first 3 months.
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
  • Transparency
    4.4
  • Rewards
    4.6
  • Online Experience
    4.3
  • Customer Service
    4.6
  • Rates and Fees
    3.6
  • Application Process
    4.4
  • Regular Bonus Point Offers (currently 55,000)

  • High Points Earn Rate

  • Uncapped Annual Points Accrual

  • $450 yearly Qantas Travel Credit

  • Two complimentary Qantas Lounge invitations

  • High Annual Fee ($450)

  • Only 44 days Interest-Free Period

  • 1% Balance Transfer Establishment Fee

  • $65,000 minimum income requirement

  • Reviewers commonly complain that AmEx is not accepted everywhere


Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.3 from 158 reviews
  • No annual fee

  • 0% p.a. on purchases or balance transfers for 6 months when you apply by 31 March 2020

  • Low flybuys points earn rate of 1 Flybuy Point per $2

  • 2.5% International Transaction Fee

Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $60,000
  • Minimum Income $25,000
  • Rewards Programflybuys
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
  • Transparency
    3.9
  • Rewards
    4.0
  • Online Experience
    3.8
  • Customer Service
    3.8
  • Rates and Fees
    4.3
  • Application Process
    4.3
  • No annual fee

  • 0% p.a. on purchases or balance transfers for 6 months when you apply by 31 March 2020

  • $10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points

  • Low flybuys points earn rate of 1 Flybuy Point per $2

  • 2.5% International Transaction Fee

  • Relatively high 19.99% interest rate

  • Reviewers mention poor customer service should an issue arise


Commonwealth Bank Awards

Commonwealth Bank Awards

3.5 from 83 reviews
  • Entry-level credit limit of $500 minimum

  • Can earn either Commbank Awards points or Qantas Frequent Flyer points

  • High Balance Transfer Rate (5.99%)

  • Awards points earn rate capped at 50,000 per annum

Purchase Rate20.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points30,000

  • Minimum Credit Limit $500
  • Rewards ProgramCommBank Awards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 30,000 Bonus Awards Points when you apply by 29 February 2020 and spend $2,000 within 90 days.
  • Balance Transfer Period 5 months
  • Balance Transfer Rate 5.99% p.a.
  • Transparency
    4.1
  • Rewards
    4.1
  • Online Experience
    4.4
  • Customer Service
    4.3
  • Rates and Fees
    3.6
  • Application Process
    4.2
  • Entry-level credit limit of $500 minimum

  • Can earn either Commbank Awards points or Qantas Frequent Flyer points

  • High Balance Transfer Rate (5.99%)

  • Awards points earn rate capped at 50,000 per annum

  • Qantas points earn rate capped at 12,000 per annum

  • Switching to Qantas points program incurs an additional $30 annual fee


Citibank Citi Rewards Platinum

Citibank Citi Rewards Platinum

2.9 from 72 reviews
  • Multiple Promotional Offers to choose from (see Details) if you apply by 31 January 2020

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

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

  • 3.4% International Transaction Fee

Purchase Rate21.49% p.a.
Annual Fee$149 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • BenefitsReduced 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 ProgramCiti Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple 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%
  • Transparency
    3.6
  • Rewards
    3.9
  • Online Experience
    3.7
  • Customer Service
    3.7
  • Rates and Fees
    3.5
  • Application Process
    3.8
  • 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


BankWest Zero MasterCard

BankWest Zero MasterCard

3.0 from 47 reviews
  • No annual fee

  • Accessible $1,000 minimum credit limit

  • 2.95% foreign transaction fee

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 PaymentsApple Pay and Google Pay
  • Balance Transfer Period 9 months
  • Balance Transfer Rate 2.99% p.a.
  • Transparency
    3.8
  • Rewards
    2.4
  • Online Experience
    3.5
  • Customer Service
    3.5
  • Rates and Fees
    3.9
  • Application Process
    4.1

HSBC Platinum

HSBC Platinum

2.8 from 31 reviews
  • 0% p.a. Interest Rate on purchases for the first 12 months

  • 0% p.a. on Balance Transfers for 12 months, 0% Balance Transfer Fee

  • 3% Overseas Exchange Fees

  • Earning Points capped at 10,000 per statement period

Purchase Rate19.99% p.a.
Annual Fee$129 p.a.
Interest Free Period 55 days
  • BenefitsComplimentary Travel Insurance and Introductory Interest Rate
  • Minimum Credit Limit $6,000
  • Minimum Income $40,000
  • Rewards ProgramHSBC Rewards Plus
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Google Pay
  • Introductory Rate 0% p.a. on interest on purchases for 12 months
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
  • Transparency
    3.7
  • Rewards
    3.7
  • Online Experience
    3.2
  • Customer Service
    3.6
  • Rates and Fees
    4.0
  • Application Process
    3.6
  • 0% p.a. Interest Rate on purchases for the first 12 months

  • 0% p.a. on Balance Transfers for 12 months, 0% Balance Transfer Fee

  • Refunded $129 Annual Fee if you spend $6,000 or more on purchases each year

  • Earn up to 2 Rewards Plus Points per dollar

  • Complimentary Insurances, including Domestic and International Travel Insurance

  • 3% Overseas Exchange Fees

  • Earning Points capped at 10,000 per statement period

  • Balance Transfers revert to the high Cash Advance Rate of 21.99% p.a.


Citibank Citi Premier

Citibank Citi Premier

2.8 from 22 reviews
  • Up to 120,000 Bonus Rewards Points on offer

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

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

  • 1% Balance Transfer Fee

Purchase Rate21.49% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Maximum Credit Limit $100,000
  • Minimum Income $75,000
  • Rewards ProgramCiti Rewards
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple 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%
  • Transparency
    4.1
  • Rewards
    3.9
  • Online Experience
    4.0
  • Customer Service
    4.0
  • Rates and Fees
    3.7
  • Application Process
    3.7
  • 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


Commonwealth Bank Low Fee

Commonwealth Bank Low Fee

4.0 from 45 reviews
  • $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

Purchase Rate19.74% p.a.
Annual Fee$29 p.a.
Interest Free Period 55 days
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $500
  • Maximum Credit Limit $50,000
  • Minimum Income $15,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Reduced First Year Annual Fee $0
  • Balance Transfer Period 5 months
  • Balance Transfer Rate 5.99% p.a.
  • Balance Transfer Fee 0%
  • Transparency
    4.4
  • Rewards
    3.1
  • Online Experience
    4.4
  • Customer Service
    4.3
  • Rates and Fees
    3.9
  • Application Process
    4.4

Commonwealth Bank Low Rate
  • Award Winner 2020

Commonwealth Bank Low Rate

4.4 from 12 reviews
  • Up to $300 cashback on offer if you apply by 30 April 2020

  • Low purchase interest rate of 13.24%

  • 3% International Transaction Fee

  • No attached rewards program

Purchase Rate13.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • BenefitsCashback Offer
  • Minimum Credit Limit $500
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 5 months
  • Balance Transfer Rate 5.99% p.a.
  • Transparency
    4.3
  • Rewards
    2.7
  • Online Experience
    4.3
  • Customer Service
    4.6
  • Rates and Fees
    4.4
  • Application Process
    4.5
  • Up to $300 cashback on offer if you apply by 30 April 2020

  • Low purchase interest rate of 13.24%

  • Accessible minimum credit limit of $500

  • $59 Annual Fee

  • 3% International Transaction Fee

  • No attached rewards program

  • 5.99% p.a. on Balance Transfers for 5 months, reverting to the high Cash Advance Rate of 21.24% thereafter


American Express Essential

American Express Essential

2.5 from 105 reviews
  • $0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases

  • Earn up to 1.25 Membership Rewards Points per $1

  • 3% Balance Transfer Fee

  • 3% Currency Conversion Fee

Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $25,000
  • Minimum Income $40,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 1.25 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 3%
  • Transparency
    4.0
  • Rewards
    3.9
  • Online Experience
    3.9
  • Customer Service
    4.1
  • Rates and Fees
    3.9
  • Application Process
    4.3
  • $0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases

  • Earn up to 1.25 Membership Rewards Points per $1

  • 0% p.a. on Balance Transfers for the first 12 months

  • Smartphone Screen Insurance

  • Add up to 4 Additional Cards at no extra cost

  • 3% Balance Transfer Fee

  • 3% Currency Conversion Fee


Woolworths Everyday Platinum

Woolworths Everyday Platinum

2.6 from 367 reviews
  • $10 off at Woolworths for 2,000 points (min. $667 spend)

  • 10% off one shop at Woolworths each month

  • Points earned are not the same as regular Woolworths Rewards points

  • Points cannot be converted to Qantas Frequent Flyer points

Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $6,000
  • Minimum Income $30,000
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple Pay
  • Reduced First Year Annual Fee $0
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.
  • Transparency
    3.8
  • Rewards
    3.9
  • Online Experience
    3.8
  • Customer Service
    3.6
  • Rates and Fees
    3.6
  • Application Process
    3.8
  • $10 off at Woolworths for 2,000 points (min. $667 spend)

  • 10% off one shop at Woolworths each month

  • Regular promotions to waive the annual fee for the first year

  • Points earned are not the same as regular Woolworths Rewards points

  • Points cannot be converted to Qantas Frequent Flyer points


American Express Explorer

American Express Explorer

4.2 from 14 reviews
  • $400 Travel Credit each year

  • 0% p.a. on Balance Transfers for the first 12 months

  • $395 Annual Fee

  • 1% Balance Transfer Fee

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

Sign-Up Bonus Points70,000

  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $65,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 70,000 Membership Rewards Bonus 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%
  • Transparency
    4.2
  • Rewards
    4.0
  • Online Experience
    4.4
  • Customer Service
    4.6
  • Rates and Fees
    3.5
  • Application Process
    4.7
  • $400 Travel Credit each year

  • 0% p.a. on Balance Transfers for the first 12 months

  • Two complimentary entries per year to the American Express Lounge at Sydney or Melbourne International Airports

  • Earn up to 2 Membership Rewards points per $1

  • Complimentary Travel Insurance

  • $395 Annual Fee

  • 1% Balance Transfer Fee


Qantas Premier Everyday

Qantas Premier Everyday

2.7 from 18 reviews
  • Up to 42,000 Bonus Qantas Points on offer

  • $29 Annual Fee for the first year

  • 3% Foreign Transaction Fee

  • Minimum spend of $1,00 per month is required to receive 7,000 Bonus Qantas Points each month for 6 months

Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points25,000

  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $4,000
  • Maximum Credit Limit $30,000
  • Minimum Income $35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay and Samsung Pay
  • Sign-Up Bonus 25,000 bonus Qantas points when you spend $1,000 on eligible purchases each month for over the first 5 months.
  • Reduced First Year Annual Fee $29
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Transparency
    3.3
  • Rewards
    3.4
  • Online Experience
    2.8
  • Customer Service
    3.1
  • Rates and Fees
    2.9
  • Application Process
    3.6
  • Up to 42,000 Bonus Qantas Points on offer

  • $29 Annual Fee for the first year

  • 0% p.a. on Balance Transfers for 12 months

  • Earn up to 1 Qantas Point per $1 spent

  • Complimentary Travel Insurance

  • 3% Foreign Transaction Fee

  • Minimum spend of $1,00 per month is required to receive 7,000 Bonus Qantas Points each month for 6 months


Westpac Low Rate

Westpac Low Rate

3.6 from 59 reviews
  • 0% p.a on Balance Transfers for 16 months & No Balance Transfer Fee

  • Low $59 Annual Fee & Low Interest Rate of 13.74% p.a. on purchases

  • 3% Foreign Transaction Fee

Purchase Rate13.74% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit $500
  • Maximum Credit Limit $25,000
  • Minimum Income $15,000
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 16 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
  • Transparency
    4.1
  • Rewards
    3.4
  • Online Experience
    4.3
  • Customer Service
    4.2
  • Rates and Fees
    3.8
  • Application Process
    4.2
  • 0% p.a on Balance Transfers for 16 months & No Balance Transfer Fee

  • Low $59 Annual Fee & Low Interest Rate of 13.74% p.a. on purchases

  • One additional cardholder at no extra cost

  • 3% Foreign Transaction Fee


St.George No Annual Fee

St.George No Annual Fee

4.7 from 3 reviews
  • No Annual Fee

  • 0% p.a. on Balance Transfers for 12 months

  • 1% Balance Transfer Fee

  • 3% International Transaction Fee

Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit $500
  • Maximum Credit Limit $40,000
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
  • No Annual Fee

  • 0% p.a. on Balance Transfers for 12 months

  • Fraud Protection feature

  • Add up to 3 extra cards at no extra cost

  • 1% Balance Transfer Fee

  • 3% International Transaction Fee

  • Relatively high 20.74% p.a. Interest Rate on purchases

  • No attached rewards program


Page 1 of 4