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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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9 listings

Citibank Citi Simplicity

Citibank Citi Simplicity

5.0 from 1 review
Purchase Rate21.49% p.a.
Annual FeeA$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 A$6,000
  • Maximum Credit Limit A$100,000
  • Contactless PaymentsApple Pay and Samsung Pay
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
Citibank Citi Premier

Citibank Citi Premier

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

Sign-Up Bonus Points70,000

  • Up to 70,000 Bonus Rewards Points on offer

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

  • $395 Annual Fee

  • 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 and Sign-Up Bonus Points Offer
  • Maximum Credit Limit A$100,000
  • Minimum Income A$75,000
  • Rewards ProgramCiti Rewards
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Sign-Up Bonus Receive 70,000 Bonus Points when you spend $5,000 in the first 60 days from card approval
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 1%
NAB Rewards Platinum

NAB Rewards Platinum

2.4 from 15 reviews
Purchase Rate19.99% p.a.
Annual FeeA$194 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points60,000

  • Earn up to 3 Points per dollar (see Details), uncapped

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

  • Seven complimentary insurances, including Overseas Travel Insurance

  • $195 Annual Fee

  • 2% Balance Transfer Fee

  • 3% International Transaction Fee

  • Transparency
    2.8 (8)
  • Rewards
    3.6 (9)
  • Online Experience
    3.0 (8)
  • Customer Service
    2.8 (9)
  • Rates and Fees
    2.9 (9)
  • Application Process
    3.3 (8)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Rewards ProgramNAB Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 60,000 Bonus Points when you spend $1,000 on everyday purchases within 60 days of account opening
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 2%
NAB Qantas Rewards Premium

NAB Qantas Rewards Premium

2.2 from 19 reviews
Purchase Rate19.99% p.a.
Annual FeeA$250 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points30,000

  • 30,000 Bonus Qantas Points when you spend $2,500 on everyday purchases in the first 60 days of account opening

  • Points Earn Rate: 1 Qantas Point per $1.50 up to $3,000 per statement period

  • 0% on Balance Transfers for 6 months

  • Seven complimentary insurances including Overseas Travel Insurance

  • $250 Annual Fee

  • 3% International Transaction Fee

  • 2% Balance Transfer Fee

  • Points Earn Rate drops to 1 Qantas Point per $3 after the first $3,000 per statement period

  • Transparency
    3.2 (6)
  • Rewards
    2.7 (6)
  • Online Experience
    3.3 (6)
  • Customer Service
    2.8 (6)
  • Rates and Fees
    2.6 (5)
  • Application Process
    3.3 (6)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 30,000 Bonus Points when you spend $2,500 on everyday purchases within 60 days of account opening
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 2%
NAB Low Rate

NAB Low Rate

3.1 from 16 reviews
Purchase Rate12.99% p.a.
Annual FeeA$59 p.a.
Interest Free Period 55 days
  • $59 Annual Fee, 12.99% Standard Purchase Rate

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

  • Minimum Credit Limit of $500

  • Add an Additional Cardholder at no extra cost

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • Balance Transfer Rate at the end of the offer period reverts to the Cash Advance Rate of 21.74% p.a.

  • Transparency
    4.3 (7)
  • Rewards
    4.0 (2)
  • Online Experience
    4.7 (7)
  • Customer Service
    4.3 (7)
  • Rates and Fees
    4.0 (7)
  • Application Process
    4.3 (7)
  • BenefitsIntroductory Interest Rate
  • Minimum Credit Limit A$500
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Introductory Rate 0% p.a. on purchases for 6 months
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 2%
Citibank Citi Prestige

Citibank Citi Prestige

2.0 from 2 reviews
Purchase Rate20.99% p.a.
Annual FeeA$700 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points100,000

  • 100,000 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

  • Transparency
    1.0 (1)
  • Rewards
    3.0 (1)
  • Online Experience
    1.0 (1)
  • Customer Service
    1.0 (1)
  • Rates and Fees
    4.0 (1)
  • Application Process
    1.0 (1)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$30,000
  • Maximum Credit Limit A$100,000
  • Rewards ProgramCiti Rewards
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Sign-Up Bonus Receive 100,000 Points when you apply by 30 June 2020 and spend $7,500 within the first 60 days of card approval
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
NAB Low Fee

NAB Low Fee

2.6 from 7 reviews
Purchase Rate19.74% p.a.
Annual FeeA$30 p.a.
Interest Free Period 44 days
  • $30 Annual Card Fee

  • 0% on Balance Transfers for 6 months

  • Complimentary Purchase Protection Insurance

  • Add an additional cardholder at no extra cost

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • Transparency
    4.0 (4)
  • Online Experience
    3.8 (4)
  • Customer Service
    4.0 (4)
  • Rates and Fees
    3.3 (4)
  • Application Process
    4.3 (3)
  • Minimum Credit Limit A$500
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 2%
NAB Low Fee Platinum

NAB Low Fee Platinum

No reviews
Purchase Rate19.74% p.a.
Annual FeeA$90 p.a.
Interest Free Period 44 days
  • 0% on Balance Transfers for 6 months

  • Seven Complimentary Insurances, including Overseas Travel Insurance

  • Add an additional cardholder at no extra cost

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • No attached rewards program

  • BenefitsComplimentary Travel Insurance
  • Minimum Credit Limit A$6,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period 6 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 2%
Citibank Emirates Citi World Mastercard

Citibank Emirates Citi World Mastercard

1.0 from 2 reviews
Purchase Rate21.49% p.a.
Annual FeeA$299 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

  • 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 A$100,000
  • Minimum Income A$75,000
  • Rewards ProgramEmirates Skywards
  • Points Earn Rate 1.5 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
  • Sign-Up Bonus Receive 50,000 Miles on your first spend within 90 days of card approval if you apply by 30th June. Receive an additional 10,000 Miles when you spend a minimum of $500 on emirates.com during the period.
  • Reduced First Year Annual Fee A$149
  • Balance Transfer Period 9 months
  • Balance Transfer Rate 0% p.a.
  • Balance Transfer Fee 0%