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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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13 listings


Qantas American Express Ultimate

Qantas American Express Ultimate

4.0 from 66 reviews
Purchase Rate20.74% p.a.
Annual Fee$450 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $3,000
  • Minimum Income : $65,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple 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%
  • 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

Sign-Up Bonus Points55,000


Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.4 from 50 reviews
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 Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%
  • 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)


American Express Essential

American Express Essential

2.5 from 105 reviews
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 Program: American Express Membership Rewards
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 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


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.


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 and 10,000 points after your first anniversary)
  • 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


American Express Explorer

American Express Explorer

4.2 from 14 reviews
Purchase Rate20.74% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $3,000
  • Minimum Income : $65,000
  • Rewards Program: American Express Membership Rewards
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple 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%
  • $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

Sign-Up Bonus Points70,000


American Express Low Rate

American Express Low Rate

5.0 from 1 review
Purchase Rate8.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $1,000
  • Minimum Income : $50,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%
  • $0 Annual Fee

  • Low Interest Rate of 8.99% on purchases

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

  • Add up to 4 Additional Cards at no extra cost

  • 1% Balance Transfer Fee

  • 3% Currency Conversion Fee

  • No attached rewards program


American Express Platinum Edge

American Express Platinum Edge

2.6 from 61 reviews
Purchase Rate20.74% p.a.
Annual Fee$195 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance and Travel Credit
  • Minimum Credit Limit : $3,000
  • Minimum Income : $50,000
  • Rewards Program: American Express Membership Rewards
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%
  • $200 Travel Credit each year

  • Earn up to 3 Membership Rewards Points per $1

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

  • Complimentary Travel Insurance

  • Add up to 4 Cards at no additional cost

  • $195 Annual Fee

  • 1% Balance Transfer Fee


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


American Express Velocity Escape

American Express Velocity Escape

3.5 from 10 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $40,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%
  • $0 Annual Fee

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

  • Earn up to 0.75 Velocity Points per $1 spent, uncapped

  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Fee


Qantas American Express Premium

Qantas American Express Premium

4.0 from 3 reviews
Purchase Rate20.74% p.a.
Annual Fee$249 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $40,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 30,000 bonus Qantas Points when you spend $3,000 with the first 3 months of card approval.
  • Balance Transfer Period : 12 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%
  • 30,000 bonus Qantas Points on offer

  • Earn up to 1 Qantas Point for every $1 spent

  • 0% on Balance Transfers for the first 12 months

  • $249 Annual Fee

  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Fee

Sign-Up Bonus Points30,000


American Express Velocity Platinum

American Express Velocity Platinum

3.8 from 10 reviews
Purchase Rate20.74% p.a.
Annual Fee$375 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $3,000
  • Maximum Credit Limit : $10,000
  • Minimum Income : $65,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 50,000 bonus Velocity 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%
  • 50,000 bonus Velocity Points on offer

  • Complimentary Virgin Australia return economy domestic flight and lounge passes each anniversary year

  • Complimentary Travel Insurance

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

  • $375 Annual Fee

  • 1% Balance Transfer Fee

  • 3% International Transaction Fee

Sign-Up Bonus Points50,000


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