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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 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%

Go to first result

67 listings

Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.3 from 50 reviews
Purchase Rate20.74% p.a.
Annual FeeA$0 p.a.
Interest Free Period 44 days
  • 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)

  • Transparency
    4.5 (36)
  • Rewards
    4.3 (32)
  • Online Experience
    4.5 (33)
  • Customer Service
    4.8 (34)
  • Rates and Fees
    4.4 (35)
  • Application Process
    4.7 (33)
  • BenefitsTravel Credit
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$100,000
  • Minimum Income A$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%
Kogan Money Black Card

Kogan Money Black Card

1.3 from 20 reviews
Purchase Rate20.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • Earn $50 Kogan.com Credit per month when you spend $1,000 or more on everyday purchases each month for the first 4 months

  • No Annual Fee

  • 0% p.a. for 18 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

  • Transparency
    1.2 (17)
  • Rewards
    1.9 (9)
  • Online Experience
    1.3 (17)
  • Customer Service
    1.3 (16)
  • Rates and Fees
    1.8 (14)
  • Application Process
    1.9 (15)
  • Minimum Credit Limit A$6,000
  • Minimum Income A$35,000
  • Points Earn Rate 2 points per $1
  • Sign-Up Bonus Earn $50 Kogan.com Credit per month when you spend $1,000 or more on everyday purchases each month for the first 4 months.
  • Balance Transfer Period 18 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
Coles Low Rate MasterCard

Coles Low Rate MasterCard

1.6 from 542 reviews
Purchase Rate12.99% p.a.
Annual FeeA$58 p.a.
Interest Free Period 55 days
  • Low $58 Annual Fee

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

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

  • 2.5% International Transaction Fee

  • Transparency
    3.1 (57)
  • Rewards
    3.3 (39)
  • Online Experience
    2.8 (57)
  • Customer Service
    2.5 (63)
  • Rates and Fees
    3.2 (59)
  • Application Process
    3.5 (54)
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$60,000
  • Minimum Income A$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%
Commonwealth Bank Awards

Commonwealth Bank Awards

3.5 from 84 reviews
Purchase Rate20.24% p.a.
Annual FeeA$59 p.a.
Interest Free Period 55 days
  • Entry-level credit limit of $500 minimum

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

  • Low $59 Annual Fee

  • 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

  • Transparency
    4.1 (49)
  • Rewards
    4.1 (37)
  • Online Experience
    4.4 (48)
  • Customer Service
    4.3 (49)
  • Rates and Fees
    3.6 (49)
  • Application Process
    4.2 (39)
  • Minimum Credit Limit A$500
  • Rewards ProgramCommBank Awards and Qantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 5 months
  • Balance Transfer Rate 5.99% p.a.
Bankwest Zero Platinum MasterCard

Bankwest Zero Platinum MasterCard

3.9 from 43 reviews
Purchase Rate17.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • $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

  • Transparency
    4.5 (30)
  • Rewards
    2.2 (9)
  • Online Experience
    4.1 (32)
  • Customer Service
    4.0 (32)
  • Rates and Fees
    4.5 (30)
  • Application Process
    4.3 (30)
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit A$6,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$65,000
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 9 months
  • Balance Transfer Rate 2.99% p.a.
Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.2 from 162 reviews
Purchase Rate19.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • No annual fee

  • 0% p.a. balance transfers for 18 months when you apply by 31 August 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

  • Transparency
    3.9 (99)
  • Rewards
    3.9 (85)
  • Online Experience
    3.7 (98)
  • Customer Service
    3.8 (100)
  • Rates and Fees
    4.2 (99)
  • Application Process
    4.3 (86)
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$60,000
  • Minimum Income A$25,000
  • Rewards Programflybuys
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Balance Transfer Period 18 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1.5%
Coles Rewards Mastercard

Coles Rewards Mastercard

3.3 from 111 reviews
Purchase Rate19.99% p.a.
Annual FeeA$99 p.a.
Interest Free Period 55 days
  • 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 18 months

  • Relatively high $99 Annual Fee

  • $30 Late Payment Fee

  • Transparency
    3.6 (91)
  • Rewards
    4.2 (77)
  • Online Experience
    3.6 (87)
  • Customer Service
    3.4 (94)
  • Rates and Fees
    3.6 (89)
  • Application Process
    3.8 (80)
  • Minimum Credit Limit A$2,000
  • Rewards Programflybuys
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Balance Transfer Period 18 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1.5%
Qantas American Express Ultimate

Qantas American Express Ultimate

4.0 from 66 reviews
Purchase Rate20.74% p.a.
Annual FeeA$450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points55,000

  • Regular Bonus Point Offers

  • 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

  • Transparency
    4.3 (37)
  • Rewards
    4.6 (38)
  • Online Experience
    4.3 (37)
  • Customer Service
    4.5 (39)
  • Rates and Fees
    3.6 (39)
  • Application Process
    4.4 (40)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit A$3,000
  • Minimum Income A$65,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 55,000 bonus Qantas Points when you apply online, are approved and spend $3,000 on your new Card within the first 3 months.
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
Woolworths Everyday Platinum

Woolworths Everyday Platinum

2.6 from 369 reviews
Purchase Rate19.99% p.a.
Annual FeeA$49 p.a.
Interest Free Period 55 days
  • $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

  • Transparency
    3.8 (61)
  • Rewards
    3.9 (51)
  • Online Experience
    3.8 (59)
  • Customer Service
    3.6 (64)
  • Rates and Fees
    3.6 (64)
  • Application Process
    3.8 (58)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$6,000
  • Minimum Income A$30,000
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple Pay
  • Reduced First Year Annual Fee A$0
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.
Commonwealth Bank Low Fee

Commonwealth Bank Low Fee

4.0 from 45 reviews
Purchase Rate19.74% p.a.
Annual FeeA$29 p.a.
Interest Free Period 55 days
  • $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

  • Transparency
    4.4 (36)
  • Rewards
    3.1 (12)
  • Online Experience
    4.4 (36)
  • Customer Service
    4.3 (36)
  • Rates and Fees
    3.9 (36)
  • Application Process
    4.4 (30)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$500
  • Maximum Credit Limit A$50,000
  • Minimum Income A$15,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Reduced First Year Annual Fee A$0
  • Balance Transfer Period 5 months
  • Balance Transfer Rate 5.99% p.a.
  • Balance Transfer Fee 0%
Westpac Low Rate

Westpac Low Rate

3.6 from 59 reviews
Purchase Rate13.74% p.a.
Annual FeeA$59 p.a.
Interest Free Period 55 days
  • 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

  • Transparency
    4.1 (39)
  • Rewards
    3.4 (21)
  • Online Experience
    4.3 (36)
  • Customer Service
    4.2 (40)
  • Rates and Fees
    3.8 (41)
  • Application Process
    4.2 (37)
  • Minimum Credit Limit A$500
  • Maximum Credit Limit A$25,000
  • Minimum Income A$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%
HSBC Platinum

HSBC Platinum

2.9 from 32 reviews
Purchase Rate19.99% p.a.
Annual FeeA$129 p.a.
Interest Free Period 55 days
  • 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.

  • Transparency
    3.7 (20)
  • Rewards
    3.7 (14)
  • Online Experience
    3.3 (20)
  • Customer Service
    3.6 (20)
  • Rates and Fees
    4.1 (19)
  • Application Process
    3.5 (19)
  • BenefitsComplimentary Travel Insurance
  • Minimum Credit Limit A$6,000
  • Minimum Income A$40,000
  • Rewards ProgramHSBC Rewards Plus
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
BankWest Zero MasterCard

BankWest Zero MasterCard

2.9 from 48 reviews
Purchase Rate17.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • No annual fee

  • Accessible $1,000 minimum credit limit

  • 2.95% foreign transaction fee

  • Transparency
    3.7 (21)
  • Rewards
    2.4 (7)
  • Online Experience
    3.4 (20)
  • Customer Service
    3.4 (21)
  • Rates and Fees
    3.8 (21)
  • Application Process
    4.1 (19)
  • Minimum Credit Limit A$1,000
  • Maximum Credit Limit A$25,000
  • Minimum Income A$20,000
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 9 months
  • Balance Transfer Rate 2.99% p.a.
Commonwealth Bank Platinum Awards

Commonwealth Bank Platinum Awards

3.0 from 34 reviews
Purchase Rate20.24% p.a.
Annual FeeA$249 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points100,000

  • 100,000 Bonus Awards Points if you apply by 30 June 2020 and spend $4,000 within 90 days from activation

  • Earn 1 Awards point for every $1 spent

  • International Travel Insurance included

  • $249 Annual Fee

  • 3% International Transaction Fee

  • Points are capped at 150,000 points per year

  • Transparency
    3.7 (21)
  • Rewards
    2.8 (17)
  • Online Experience
    4.0 (21)
  • Customer Service
    4.0 (21)
  • Rates and Fees
    2.8 (21)
  • Application Process
    4.0 (15)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$50,000
  • 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 100,000 Bonus Awards Points when you apply by 30 June 2020 and spend $4,000 within 90 days.
  • Balance Transfer Period 5 months
  • Balance Transfer Rate 5.99% p.a.
  • Balance Transfer Fee 0%
Macquarie Bank Platinum

Macquarie Bank Platinum · includes 2 listings

2.1 from 13 reviews
Purchase Rate20.70% p.a.
Annual FeeA$199 p.a. and A$249 p.a.
Interest Free Period At least 55 days

Sign-Up Bonus Points20,000

  • 0% p.a. balance transfer for 14 months

  • No international transaction fees

  • Some Travel and Purchase insurances included

  • Need to spend ~$3,200 to receive a $20 gift card

  • Transparency
    4.5 (2)
  • Rewards
    4.5 (2)
  • Online Experience
    4.5 (2)
  • Customer Service
    4.0 (2)
  • Rates and Fees
    4.5 (2)
  • Application Process
    4.5 (2)
  • BenefitsComplimentary Travel Insurance, No Foreign Transaction Fee, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Minimum Income A$50,000
  • Rewards ProgramMacquarie Rewards and Qantas Frequent Flyer
  • Points Earn Rate 1 to 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay and Google Pay
  • Reduced First Year Annual Fee A$99
  • Balance Transfer Period 14 months
  • Balance Transfer Rate 0% p.a.
American Express Explorer

American Express Explorer

4.2 from 14 reviews
Purchase Rate20.74% p.a.
Annual FeeA$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

  • $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

  • Transparency
    4.2 (13)
  • Rewards
    4.0 (12)
  • Online Experience
    4.4 (13)
  • Customer Service
    4.6 (12)
  • Rates and Fees
    3.5 (13)
  • Application Process
    4.7 (11)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit A$3,000
  • Minimum Income A$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 50,000 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%
St.George Amplify

St.George Amplify · includes 2 listings

2.0 from 14 reviews
Purchase Rate19.74% p.a.
Annual FeeA$79 p.a.
Interest Free Period At least 55 days
  • Introductory Offer: 0% p.a. on purchases for 14 months

  • Choose between Qantas Frequent Flyer or Amplify points programs

  • Uncapped points earn rate

  • 3% Foreign Transaction Fee

  • Transparency
    3.2 (5)
  • Rewards
    2.5 (4)
  • Online Experience
    2.7 (7)
  • Customer Service
    2.3 (6)
  • Rates and Fees
    3.2 (6)
  • Application Process
    2.9 (7)
  • Minimum Credit Limit A$500
  • Rewards ProgramAmplify Rewards and Qantas Frequent Flyer
  • Points Earn Rate 0.5 to 1 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 6.99% p.a.
Qantas Premier Everyday

Qantas Premier Everyday

2.6 from 19 reviews
Purchase Rate19.99% p.a.
Annual FeeA$49 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points25,000

  • $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

  • Transparency
    3.1 (15)
  • Rewards
    3.4 (10)
  • Online Experience
    2.7 (15)
  • Customer Service
    2.9 (14)
  • Rates and Fees
    2.8 (14)
  • Application Process
    3.6 (13)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$4,000
  • Maximum Credit Limit A$30,000
  • Minimum Income A$35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay and Samsung Pay
  • Sign-Up Bonus Earn 5,000 bonus points per month when you spend $1,000 or more on eligible purchases each month, for a total of 25,000 bonus points over the first 5 months.
  • Reduced First Year Annual Fee A$29
  • Balance Transfer Period 12 months
  • Balance Transfer Rate 0% p.a.
St.George Amplify Signature

St.George Amplify Signature · includes 2 listings

3.8 from 17 reviews
Purchase Rate19.74% p.a.
Annual FeeA$279 p.a.
Interest Free Period At least 55 days

Sign-Up Bonus Points80,000 to 200,000

  • 200,000 Bonus Amplify Points or 90,000 Bonus Qantas Points on offer

  • Earn 1.5 Amplify Points or 0.75 Qantas Points for each dollar spent on eligible purchases, uncapped. Plus, receive Birthday Bonus Points

  • 0% pa. on Balance Transfers for 6 months

  • Complimentary Insurance Covers and 2 Lounge Passes each year

  • $139 Annual Card Fee for the first year ($279 thereafter)

  • 3% Overseas Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate of 19.74% after the first 6 months

  • Transparency
    4.4 (14)
  • Rewards
    4.7 (11)
  • Online Experience
    4.3 (14)
  • Customer Service
    4.5 (14)
  • Rates and Fees
    3.9 (14)
  • Application Process
    4.4 (15)
  • BenefitsReduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$15,000
  • Rewards ProgramAmplify Rewards and Qantas Frequent Flyer
  • Points Earn Rate 0.75 to 1.5 points per $1
  • Contactless PaymentsGoogle Pay and Samsung Pay
  • Reduced First Year Annual Fee A$139
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
Commonwealth Bank Low Rate
  • Award Winner 2020

Commonwealth Bank Low Rate

4.4 from 12 reviews
Purchase Rate13.24% p.a.
Annual FeeA$59 p.a.
Interest Free Period 55 days
  • 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

  • Transparency
    4.3 (7)
  • Rewards
    2.7 (3)
  • Online Experience
    4.3 (7)
  • Customer Service
    4.6 (7)
  • Rates and Fees
    4.4 (7)
  • Application Process
    4.5 (8)
  • BenefitsCashback Offer
  • Minimum Credit Limit A$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.
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