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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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8 listings


Commonwealth Bank Awards

Commonwealth Bank Awards

3.6 from 82 reviews
Purchase Rate20.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $500
  • Rewards Program: CommBank Awards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 30,000 Bonus Awards Points when you apply by 31 October and spend $2,000 by 31 January 2020.
  • Balance Transfer Period : 5 months
  • Balance Transfer Rate : 5.99% p.a.

Sign-Up Bonus Points30,000


Commonwealth Bank Low Fee

Commonwealth Bank Low Fee

4.0 from 45 reviews
Purchase Rate19.74% p.a.
Annual Fee$29 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : $50,000
  • Minimum Income : $15,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Reduced First Year Annual Fee : $0
  • Balance Transfer Period : 5 months
  • Balance Transfer Rate : 5.99% p.a.
  • Balance Transfer Fee : 0%

Virgin Australia Velocity Flyer

Virgin Australia Velocity Flyer

1.9 from 68 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 : $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 : $65
  • Balance Transfer Period : 18 months
  • Balance Transfer Rate : 0% p.a.
  • Balance Transfer Fee : 0%

Sign-Up Bonus Points75,000


Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

2.9 from 159 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%

Commonwealth Bank Platinum Awards

Commonwealth Bank Platinum Awards

3.0 from 34 reviews
Purchase Rate20.24% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $50,000
  • Rewards Program: CommBank Awards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 100,000 Bonus Awards Points when you apply by 31 October and spend $4,000 by 31 January 2020.
  • Balance Transfer Period : 5 months
  • Balance Transfer Rate : 5.99% p.a.
  • Balance Transfer Fee : 0%

Sign-Up Bonus Points100,000


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%

Sign-Up Bonus Points90,000


Commonwealth Bank Low Rate

Commonwealth Bank Low Rate

4.4 from 12 reviews
Purchase Rate13.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $500
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Balance Transfer Period : 5 months
  • Balance Transfer Rate : 5.99% p.a.

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.