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0 Balance Transfer Credit Cards

A 0 balance transfer offer can really help you get your credit card debt under control, depending on how much debt you have to pay off, how much you can afford to repay each month and how long the 0% interest balance transfer introductory period lasts for. There is a range of cards available and you can compare offers using the table below quickly and easily. You’ll also be able to view the other relevant features side by side and assess which card will suit you best for the long term, or whether it’s worth your while to apply. We also recommend viewing the top 10 balance transfer offers which may suit you better if you don't find what you are looking here.

The offer revert rate (also called the reversion rate) for balance transfer offers can be high so you need to know what it will be when the 0% interest offer runs out. That way you know when you need to have the balance paid off, and what (if any) interest free days you will have from then on and you can manage your purchases so that your card is always paid off on time with no outstanding balance.

  • Sort cards by
  • Card name
  • Purchase rate
  • Cash advance
  • Balance transfer
  • Annual fee
    • st george vertigo
    • St.George Vertigo

      0% for 14 months on BT

      A low 13.24% rate on purchases, low annual fee of $55 and 0% on balances transferred for 14 months. Any unpaid balance transfer amount reverts to the low purchase rate.

    • 13.24%p.a.
    • 21.49%p.a.
    • 0%14 months
    • $55
    • Apply Now Find out more Compare card
    • bankwest breeze classic
    • Bankwest Breeze Classic

      Huge 0% Balance Transfer Offer

      Great 0% p.a. balance transfer offer for 13 months. Fantastic low interest rate credit card - the balance transfer reverts to Australia’s lowest ongoing MasterCard purchase rate.

    • 11.99%p.a.
    • 21.99%p.a.
    • 0%13 months
    • $59
    • Apply Now Find out more Compare card
    • citibank platinum rewards
    • Citibank Rewards Platinum

      0% for 24 months on balance transfers

      Sick of paying too much on your credit card balance and/or personal loans? Transfer to 0% p.a. for 24 months. One off 3% fee i.e. 10k transfer, becomes 10.3k but you still pay 0% for the full 24 months

    • 20.99%p.a.
    • 21.74%p.a.
    • 0%24 months
    • $199
    • Apply Now Find out more Compare card
    • anz-platinum
    • ANZ Platinum

      0% for 12 BT & No Annual Fee 1st Yr

      0% p.a. Balance Transfer for 12 months + ~no annual fee first year. Any unpaid balance after the intro period reverts to the standard purchase rate, currently 19.74% p.a. Minimum 50k income required

    • 19.74%p.a.
    • 21.49%p.a.
    • 0%12 months
    • $0~
    • Apply Now Find out more Compare card
    • anz-low-rate
    • ANZ Low Rate

      0% for 12 BT reverts to purchase rate

      This special offer on ANZ's low interest rate card is outstanding, pay 0% p.a. on a balance transfer for 12 months which reverts to the low purchase rate afterwards. Please note offer is online only

    • 13.49%p.a.
    • 21.74%p.a.
    • 0%12 months
    • $58
    • Apply Now Find out more Compare card
    • HSBC_BlackCard_FRONT_NoTag_2017
    • HSBC No Annual Fee

      0% Balance Transfer for 6 Months and Interest Free purchases for up to 5 years at over leading 1,000 retailers in Australia mean this is one of the best no annual fee credit cards available.

    • 17.99%p.a.
    • 21.99%p.a.
    • 0%6 months
    • $0
    • Apply Now Find out more Compare card
    • citibank clear platinum
    • Citibank Clear Platinum

      0% on purchases, cash and BT

      Pay 0% p.a. on purchases, balance transfers and cash advances and for the first 6 months with ~half annual fee 1st year. Standard purchase rate of 12.99% p.a.

    • 0%for 6 months
    • 21.74%p.a.
    • 0%6 months
    • $49~
    • Apply Now Find out more Compare card
    • hsbc-platinum
    • HSBC Platinum

      30,000 bonus reward points

      $0 annual fee for the first year ($129 p.a thereafter), 0% p.a. on balance transfers for 6 months and 30,000 bonus points when using your approved card for the first time.

    • 19.99%p.a.
    • 21.99%p.a.
    • 0%8 months
    • $0~
    • Apply Now Find out more Compare card
    • coles mastercard credit card
    • Coles Rewards

      Earn 2 FlyBuys points for every $1 spent everywhere you use your card, converted automatically to shopping vouchers and 0% for 6 months on Balance Transfers

    • 19.99%p.a.
    • 19.99%p.a.
    • 0%6 months
    • $49
    • Apply Now Find out more Compare card
    • HSBC_PLATINUM_CARD_WEBV2_2017
    • HSBC Platinum Qantas

      20,000 bonus Qantas points

      Earn a bonus 20,000 Qantas Frequent Flyer points upon using your card, in addition to the 1 point per $1 spent on eligible purchases in Australia and 2 points per $1 spent with international retailers. Transfer

    • 20.99%p.a.
    • 21.99%p.a.
    • 0%6 months
    • $199
    • Apply Now Find out more Compare card

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