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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, want a balance transfer credit card with an annual fee of at most $100, with a 0% balance transfer rate and a maximum balance transfer fee of 1%? Take a look at the results here.

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13 listings


Citibank Citi Rewards Platinum

Citibank Citi Rewards Platinum

68 reviews
Annual Fee$149 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Reduced 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 Program: Citi Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple 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 : $49.00
  • Balance Transfer Period : 15 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%

Purchase Rate21.49% p.a.


Virgin Australia Velocity Flyer

Virgin Australia Velocity Flyer

65 reviews
Annual Fee$129 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee, 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 : 0.66 points per $1
  • Contactless Payments: Samsung Pay
  • Sign-Up Bonus : Earn up to 75,000 bonus Velocity Points (25,000 points each month when you spend $1,500 or more in the first 3 months).
  • Introductory Rate : 0% p.a. for up to 14 months on purchases.
  • Reduced First Year Annual Fee : $64.50
  • Balance Transfer Period : 18 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%

Purchase Rate20.74% p.a.


Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

159 reviews
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • 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%

Purchase Rate18.99% p.a.


Virgin Australia Velocity High Flyer

Virgin Australia Velocity High Flyer

14 reviews
Annual Fee$289 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • 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%

Purchase Rate20.74% p.a.


Citibank Citi Rewards Signature

Citibank Citi Rewards Signature

22 reviews
Annual Fee$395 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Maximum Credit Limit : $100,000
  • Minimum Income : $75,000
  • Rewards Program: Citi Rewards
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple 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 : $199.00
  • Balance Transfer Period : 15 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%

Purchase Rate21.49% p.a.


Citibank Citi Signature Qantas

Citibank Citi Signature Qantas

5 reviews
Annual Fee$444 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $15,000
  • Maximum Credit Limit : $100,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple 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 : $0.00
  • Balance Transfer Period : 15 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1%

Purchase Rate21.49% p.a.


Citibank Citi Prestige

Citibank Citi Prestige

1 review
Annual Fee$700 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $30,000
  • Maximum Credit Limit : $100,000
  • Rewards Program: Citi Rewards
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple 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.

Purchase Rate20.99% p.a.


Citibank Citi Simplicity

Citibank Citi Simplicity

1 review
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $100,000
  • Contactless Payments: Apple Pay and Samsung Pay
  • Balance Transfer Period : 6 months
  • Balance Transfer Rate : 0% p.a.

Purchase Rate19.99% p.a.


Citibank Citi Clear Platinum

Citibank Citi Clear Platinum

7 reviews
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Reduced First Year Annual Fee
  • Maximum Credit Limit : $100,000
  • Minimum Income : $35,000
  • Rewards Program: Citi Rewards
  • Contactless Payments: Apple Pay and Samsung Pay
  • Introductory Rate : 0% p.a. for the first 9 months
  • Reduced First Year Annual Fee : $99.00
  • Balance Transfer Period : 14 months
  • Balance Transfer Rate : 0% p.a.

Purchase Rate14.99% p.a.


Virgin Money Low Rate

Virgin Money Low Rate

4 reviews
Annual Fee$49 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • 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 Rate11.99% p.a.


Citibank Citi Rewards Classic

Citibank Citi Rewards Classic

1 review
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Benefits: Cashback Offer, Complimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $100,000
  • Rewards Program: Citi Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Reduced First Year Annual Fee : $49.00
  • Balance Transfer Period : 15 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 1.5%

Purchase Rate20.99% p.a.


Citibank Emirates Citi World Mastercard

Citibank Emirates Citi World Mastercard

2 reviews
Annual Fee$299 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Maximum Credit Limit : $100,000
  • Minimum Income : $75,000
  • Rewards Program: Emirates Skywards
  • Points Earn Rates : 1.5 points per $1
  • Contactless Payments: Apple 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 : $149.00
  • Balance Transfer Period : 9 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%

Purchase Rate21.49% p.a.


Citibank Citi Prestige Qantas

Citibank Citi Prestige Qantas

No reviews
Annual Fee$749 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance
  • Minimum Credit Limit : $30,000
  • Maximum Credit Limit : $100,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1.5 points per $1
  • Contactless Payments: Apple 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.

Purchase Rate21.49% p.a.