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Balance Transfer 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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12 listings


Virgin Money No Annual Fee Visa
  • Card Type: Visa
  • Minimum Credit Limit: $2,000
  • Minimum Income: $25,000
  • Additional Cardholders: 4
  • Additional Cardholder Fee: $0 p.a.
  • Minimum Repayments: 2%
  • Purchase Rate: 18.99% p.a.
  • Cash Advance Fee: 2.7%
  • Late Payment Fee: $30
  • Annual Fee: $0
  • Foreign Transaction Fee: 3.3%
  • Overseas ATM Withdrawal Fee: $5
  • Interest Free Period: 44 days
  • Cash Advance Rate: 20.99% p.a.
  • 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
  • Additional Cardholder Fee: $10 p.a.
  • Minimum Repayments: 2%
  • Purchase Rate: 20.24% p.a.
  • Late Payment Fee: $20
  • Annual Fee: $59
  • Foreign Transaction Fee: 3%
  • Interest Free Period: 55 days
  • Cash Advance Rate: 21.24% p.a.
  • Balance Transfer Period: 5 months
  • Balance Transfer Rate: 5.99% p.a.

Virgin Australia Velocity Flyer
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance
  • Minimum Credit Limit: $15,000
  • Maximum Credit Limit: $50,000
  • Minimum Income: $75,000
  • Additional Cardholders: 4
  • Additional Cardholder Fee: $89 p.a.
  • Minimum Repayments: 2%
  • Purchase Rate: 20.74% p.a.
  • Cash Advance Fee: 2.7%
  • Late Payment Fee: $30
  • Annual Fee: $289
  • Foreign Transaction Fee: 3.3%
  • Overseas ATM Withdrawal Fee: $5
  • Interest Free Period: 44 days
  • Cash Advance Rate: 20.99% p.a.
  • Balance Transfer Period: 15 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

Commonwealth Bank Low Fee
  • Card Type: Mastercard
  • Minimum Credit Limit: $500
  • Maximum Credit Limit: $50,000
  • Minimum Income: $15,000
  • Additional Cardholders: 1
  • Additional Cardholder Fee: $0 p.a.
  • Minimum Repayments: 2%
  • Purchase Rate: 19.74% p.a.
  • Cash Advance Fee: 2%
  • Late Payment Fee: $20
  • Annual Fee: $0
  • Foreign Transaction Fee: 3%
  • Overseas ATM Withdrawal Fee: $4
  • Interest Free Period: 55 days
  • Cash Advance Rate: 21.24% p.a.
  • Balance Transfer Period: 5 months
  • Balance Transfer Rate: 5.99% p.a.
  • Balance Transfer Fee: 0%

Commonwealth Bank Platinum Awards
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance
  • Minimum Credit Limit: $6,000
  • Maximum Credit Limit: $50,000
  • Minimum Income: $50,000
  • Additional Cardholders: 1
  • Additional Cardholder Fee: $10 p.a.
  • Minimum Repayments: 2%
  • Purchase Rate: 20.24% p.a.
  • Cash Advance Fee: 2%
  • Late Payment Fee: $20
  • Annual Fee: $249
  • Foreign Transaction Fee: 3%
  • Overseas ATM Withdrawal Fee: $3
  • Interest Free Period: 55 days
  • Cash Advance Rate: 21.24% p.a.
  • Balance Transfer Period: 5 months
  • Balance Transfer Rate: 5.99% p.a.
  • Balance Transfer Fee: 0%

NAB Low Rate
  • Card Type: Visa
  • Minimum Credit Limit: $500
  • Additional Cardholders: 1
  • Additional Cardholder Fee: $0 p.a.
  • Purchase Rate: 13.99% p.a.
  • Cash Advance Fee: 2%
  • Late Payment Fee: $15
  • Annual Fee: $59
  • Foreign Transaction Fee: 3%
  • Overseas ATM Withdrawal Fee: $1
  • Interest Free Period: 55 days
  • Cash Advance Rate: 21.74% p.a.
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 2%

Virgin Australia Velocity High Flyer
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance
  • Minimum Credit Limit: $15,000
  • Maximum Credit Limit: $50,000
  • Minimum Income: $75,000
  • Additional Cardholders: 4
  • Additional Cardholder Fee: $89 p.a.
  • Purchase Rate: 20.74% p.a.
  • Cash Advance Fee: 2.7%
  • Late Payment Fee: $30
  • Annual Fee: $289
  • Foreign Transaction Fee: 3.3%
  • Overseas ATM Withdrawal Fee: $5
  • Interest Free Period: 44 days
  • Cash Advance Rate: 20.99% p.a.
  • Balance Transfer Period: 15 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 0%

NAB Qantas Rewards Premium
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance
  • Minimum Credit Limit: $6,000
  • Purchase Rate: 19.99% p.a.
  • Cash Advance Fee: 2%
  • Late Payment Fee: $15
  • Annual Fee: $250
  • Foreign Transaction Fee: 3%
  • Overseas ATM Withdrawal Fee: $5
  • Interest Free Period: 44 days
  • Cash Advance Rate: 21.74% p.a.
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 2%

NAB Rewards Platinum
  • Card Type: Visa
  • Benefits: Complimentary Travel Insurance
  • Minimum Credit Limit: $6,000
  • Additional Cardholders: 1
  • Additional Cardholder Fee: $0 p.a.
  • Purchase Rate: 19.99% p.a.
  • Cash Advance Fee: 2%
  • Late Payment Fee: $15
  • Annual Fee: $194
  • Foreign Transaction Fee: 3%
  • Interest Free Period: 44 days
  • Cash Advance Rate: 21.74% p.a.
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 2%

Commonwealth Bank Low Rate
  • Card Type: Mastercard
  • Minimum Credit Limit: $500
  • Additional Cardholder Fee: $0 p.a.
  • Purchase Rate: 13.24% p.a.
  • Cash Advance Fee: 2%
  • Late Payment Fee: $20
  • Annual Fee: $59
  • Foreign Transaction Fee: 3%
  • Interest Free Period: 55 days
  • Cash Advance Rate: 21.24% p.a.
  • Balance Transfer Rate: 5.99% p.a.

Virgin Money Low Rate
  • Card Type: Visa
  • Minimum Credit Limit: $6,000
  • Minimum Income: $35,000
  • Additional Cardholder Fee: $29 p.a.
  • Purchase Rate: 11.99% p.a.
  • Cash Advance Fee: 2.7%
  • Late Payment Fee: $30
  • Annual Fee: $49
  • Foreign Transaction Fee: 3.3%
  • Overseas ATM Withdrawal Fee: $5
  • Interest Free Period: 44 days
  • Cash Advance Rate: 21.69% p.a.

NAB Low Fee
  • Card Type: Visa
  • Minimum Credit Limit: $500
  • Additional Cardholders: 1
  • Additional Cardholder Fee: $0 p.a.
  • Purchase Rate: 19.74% p.a.
  • Cash Advance Fee: 2%
  • Late Payment Fee: $15
  • Annual Fee: $30
  • Foreign Transaction Fee: 3%
  • Overseas ATM Withdrawal Fee: $5
  • Interest Free Period: 44 days
  • Cash Advance Rate: 21.74% p.a.
  • Balance Transfer Period: 6 months
  • Balance Transfer Rate: 0% p.a.
  • Balance Transfer Fee: 2%