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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%

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11 listings

Citibank Citi Rewards Platinum

Citibank Citi Rewards Platinum

2.9 from 72 reviews
Purchase Rate21.49% p.a.
Annual Fee$149 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • 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

  • Transparency
    3.6 (38)
  • Rewards
    3.9 (35)
  • Online Experience
    3.7 (39)
  • Customer Service
    3.7 (39)
  • Rates and Fees
    3.5 (38)
  • Application Process
    3.8 (37)
  • 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%
Citibank Citi Premier

Citibank Citi Premier

2.8 from 22 reviews
Purchase Rate21.49% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • 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

  • Transparency
    4.1 (10)
  • Rewards
    3.9 (10)
  • Online Experience
    4.0 (10)
  • Customer Service
    4.0 (10)
  • Rates and Fees
    3.7 (10)
  • Application Process
    3.7 (9)
  • 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%
ANZ First

ANZ First

3.5 from 25 reviews
Purchase Rate20.24% p.a.
Annual Fee$30 p.a.
Interest Free Period 55 days
  • Low $30 Annual Fee (waived for full-time tertiary students)

  • 0% p.a. on Balance Transfers for 18 months

  • Low minimum credit limit of $1,000 ($500 for students)

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • Transparency
    4.0 (6)
  • Rewards
    5.0 (1)
  • Online Experience
    3.9 (7)
  • Customer Service
    3.9 (7)
  • Rates and Fees
    4.0 (6)
  • Application Process
    4.7 (3)
  • Minimum Credit Limit $1,000
  • Minimum Income $15,000
  • Rewards ProgramANZ Rewards
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 18 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 2%
ANZ Low Rate

ANZ Low Rate

3.2 from 36 reviews
Purchase Rate12.49% p.a.
Annual Fee$58 p.a.
Interest Free Period 55 days
  • Low Interest Rate of 12.49% p.a. on purchases

  • Low Annual Fee of $58

  • 0% on Balance Transfers for 15 months & No Balance Transfer Fee

  • Up to 3 Additional Cardholders at no additional cost

  • 3% Foreign Transaction Fee

  • Balance Transfers revert to the high Cash Advance Rate of 20.24% at the end of the offer period

  • Transparency
    4.1 (12)
  • Rewards
    2.8 (4)
  • Online Experience
    4.3 (11)
  • Customer Service
    4.2 (12)
  • Rates and Fees
    4.2 (12)
  • Application Process
    4.1 (9)
  • Minimum Credit Limit $1,000
  • Minimum Income $15,000
  • Rewards ProgramANZ Rewards
  • Contactless PaymentsApple Pay and Google Pay
  • Balance Transfer Period 15 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%
ANZ Platinum

ANZ Platinum

3.6 from 27 reviews
Purchase Rate19.74% p.a.
Annual Fee$87 p.a.
Interest Free Period 55 days
  • 0% p.a. on Balance Transfers for the first 18 months

  • $0 Annual Fee in the first year

  • Ongoing Annual Fee Waiver: $0 if you make $20,000 in eligible purchases on the card in 12 months

  • Complimentary Overseas Travel Insurance and Purchase Security Insurance

  • Add up to 9 Additional Cardholders at no additional cost

  • 2% Balance Transfer Fee

  • 3% International Transaction Fee

  • No attached rewards program

  • Transparency
    3.8 (15)
  • Rewards
    3.6 (5)
  • Online Experience
    3.9 (17)
  • Customer Service
    3.7 (17)
  • Rates and Fees
    3.5 (17)
  • Application Process
    3.8 (14)
  • BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Reduced First Year Annual Fee $0
  • Balance Transfer Period 18 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 2%
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
  • 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

  • Transparency
    5.0 (1)
  • Rewards
    5.0 (1)
  • Online Experience
    5.0 (1)
  • Customer Service
    5.0 (1)
  • Rates and Fees
    5.0 (1)
  • Application Process
    5.0 (1)
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $100,000
  • Contactless PaymentsApple Pay and Samsung Pay
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
Citibank Citi Signature Qantas

Citibank Citi Signature Qantas

3.9 from 7 reviews
Purchase Rate21.49% p.a.
Annual Fee$444 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points150,000

  • Up to 150,000 Bonus Qantas Points on offer

  • No 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

  • Transparency
    4.3 (6)
  • Rewards
    4.7 (3)
  • Online Experience
    4.5 (6)
  • Customer Service
    4.3 (6)
  • Rates and Fees
    3.8 (5)
  • Application Process
    4.3 (6)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000
  • Maximum Credit Limit $100,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple 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%
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
  • 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

  • Transparency
    4.0 (2)
  • Online Experience
    4.0 (2)
  • Customer Service
    3.5 (2)
  • Rates and Fees
    4.0 (1)
  • Application Process
    4.0 (2)
  • BenefitsReduced First Year Annual Fee
  • Maximum Credit Limit $100,000
  • Minimum Income $35,000
  • Rewards ProgramCiti Rewards
  • Contactless PaymentsApple 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.
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

Sign-Up Bonus Points150,000

  • 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

  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $30,000
  • Maximum Credit Limit $100,000
  • Rewards ProgramCiti Rewards
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple 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.
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

Sign-Up Bonus Points70,000

  • 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

  • BenefitsComplimentary Travel Insurance
  • Minimum Credit Limit $30,000
  • Maximum Credit Limit $100,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.5 points per $1
  • Contactless PaymentsApple 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.
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

Sign-Up Bonus Points60,000

  • 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

  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Maximum Credit Limit $100,000
  • Minimum Income $75,000
  • Rewards ProgramEmirates Skywards
  • Points Earn Rate 1.5 points per $1
  • Contactless PaymentsApple 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%