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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 credit cards and find the best balance transfer credit card for you. In addition to common credit card filters, use our group of specific Balance Transfer Rates filters to find balance transfer cards that suit your needs.

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Balance Transfer Period Choose how many months you prefer or think you'll need to stay on the balance transfer rate for. There are many options, whether you need 6 months or 2 years.

Balance Transfer Rate A low 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.

Balance Transfer Fee Depending on the amount you'd like to transfer over to your new credit card, the balance transfer fee can be a costly additional expense. Use the filter to sort 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 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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17 listings


Citibank Citi Rewards Platinum
  • 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
  • Contactless Payments: Apple Pay and Samsung Pay
  • Annual Fee: $49 p.a.
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive 100,000 bonus points when you spend $3,000 in the first 90 days from approval.
  • Reduced First Year Annual Fee: $49.00
  • Balance Transfer Period: 15 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1%

Virgin Money No Annual Fee Visa
  • Card Type: Visa
  • Minimum Credit Limit: $2,000
  • Minimum Income: $25,000
  • Contactless Payments: Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 44 days
  • Balance Transfer Period: 36 months
  • Balance Transfer Rate: 6.9% p.a.
  • Balance Transfer Fee: 0%

Commonwealth Bank Awards
  • Card Type: Mastercard
  • Minimum Credit Limit: $500
  • Rewards Program: CommBank Awards
  • Points Earn Rate: 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Annual Fee: $59 p.a.
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive 30,000 Bonus Awards Points when you apply by 31 July and spend $2,000 by 31 October 2019.
  • Balance Transfer Period: 5 months
  • Balance Transfer Rate: 5.99% p.a.

Virgin Australia Velocity Flyer
  • 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 Rate: 0.66 points per $1
  • Points Conditions: 0.66 Points per $1 for the first $1500 of spend in each statement period, 0.5 Points per $1 after $1500 of spend in each statement period.
  • Contactless Payments: Samsung Pay
  • Annual Fee: $129 p.a.
  • Interest Free Period: 44 days
  • Sign-Up Bonus: Earn up to 75,000 bonus Velocity Points (25,000 Points each month when you spend $1,500 or more for 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%

Commonwealth Bank Platinum Awards
  • Card Type: Mastercard
  • 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
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Annual Fee: $249 p.a.
  • Interest Free Period: 55 days
  • Sign-Up Bonus: 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%

Virgin Australia Velocity High Flyer
  • 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 Rate: 1 points per $1
  • Points Conditions: 1 Point per $1 for the first $8000 of spend each statement period, 0.5 Points per $1 after $8000 in each statement period.
  • Contactless Payments: Samsung Pay
  • Annual Fee: $289 p.a.
  • Interest Free Period: 44 days
  • Sign-Up Bonus: Earn up to 90,000 bonus Velocity Points (30,000 Points each month when you spend $3,000 or more for the first 3 months).
  • Balance Transfer Period: 15 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

Commonwealth Bank Low Fee
  • Card Type: Mastercard
  • 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
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days
  • Reduced First Year Annual Fee: $0.00
  • Balance Transfer Period: 5 months
  • Balance Transfer Rate: 5.99% p.a.
  • Balance Transfer Fee: 0%

Commonwealth Bank Low Rate
  • Card Type: Mastercard
  • Minimum Credit Limit: $500
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Annual Fee: $59 p.a.
  • Interest Free Period: 55 days
  • Balance Transfer Period: 5 months
  • Balance Transfer Rate: 5.99% p.a.

Citibank Rewards Signature
  • 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 and Qantas Frequent Flyer
  • Contactless Payments: Samsung Pay
  • Annual Fee: $395 p.a. or $444 p.a.
  • Interest Free Period: At least 55 days
  • Reduced First Year Annual Fee: $199.00 or $248.00
  • Balance Transfer Period: 6 months to 15 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1%

Citibank Citi Clear Platinum
  • 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
  • Annual Fee: $99 p.a.
  • Interest Free Period: 55 days
  • Reduced First Year Annual Fee: $99.00
  • Balance Transfer Period: 14 months
  • Balance Transfer Rate: 0% p.a.

Citibank Prestige
  • 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 and Qantas Frequent Flyer
  • Contactless Payments: Apple Pay and Samsung Pay
  • Annual Fee: $700 p.a. or $749 p.a.
  • Interest Free Period: At least 44 days
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.

Virgin Money Low Rate
  • Card Type: Visa
  • Benefits: Cashback Offer
  • Minimum Credit Limit: $6,000
  • Minimum Income: $35,000
  • Contactless Payments: Samsung Pay
  • Annual Fee: $49 p.a.
  • Interest Free Period: 44 days
  • Balance Transfer Period: 0 months
  • Balance Transfer Rate: 14% p.a.

Citibank Emirates Citi World Mastercard
  • 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
  • Contactless Payments: Apple Pay and Samsung Pay
  • Annual Fee: $299 p.a.
  • Interest Free Period: 55 days
  • 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: $74.50
  • Balance Transfer Period: 9 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

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

Citibank Citi Rewards Classic
  • 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
  • Contactless Payments: Apple Pay and Samsung Pay
  • Annual Fee: $99 p.a.
  • Interest Free Period: 55 days
  • Reduced First Year Annual Fee: $49.00
  • Balance Transfer Period: 15 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 1.5%