American Express
ANZ
Aussie
Bank of Melbourne
Bank of Queensland
Bankmecu
BankSA
Bankwest
Bendigo Bank
Citibank
Coles
Commonwealth Bank
Community First
CUA
Diners Club
GE Money
Heritage
HSBC
IMB
Jetstar
Lombard Finance
Macquarie Bank
ME Bank
NAB
Qantas
SCU
St.George
Suncorp
Victoria Teacher Bank
Virgin Money
Westpac
Woolworths
p.a
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for 9 months
Exclusive Online Offer to CreditCard.com.au. Huge 0% balance transfer for 9 months with no handling fee, ~1/2 annual fee first year and great low rate on purchases - (12.99% pa - 1st October).
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for 9 months
This special offer on ANZ's low interest rate card is outstanding, pay 0% p.a. on a balance transfer for 9 months which reverts to the low purchase rate afterwards. Please note offer is online only
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p.a.
for 6 months
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.
for 6 months
p.a.
for 6 months
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 11.99% p.a. (12.99% p.a. from 1 October).
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p.a.
for 6 months
Awarded Best Transactor Credit Card for 2012 by Money Magazine, this no frills card with No Annual Fee offers 0% p.a. on balance transfers for the first 6 months and up to 55 days interest free
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p.a.
for 8 months
Pay 0% interest on balance transfers for the first 8 months, 1/2 annual fee the first year + buy-1-get-1 complimentary flight up to 4 times a year. Earn 1 point per $1 spent* Min income 35K
p.a
p.a.
for 9 months
0% p.a. Balance Transfer for 9 months + ~no annual fee first year. Any unpaid balance after the intro period reverts to the standard purchase rate, currently 19.39% p.a. Minimum 50k income required
p.a
p.a.
for 9 months
ANZ Low Rate Platinum offers 0% on balance transfer for the first 9 months with a low interest rate of 12.99% p.a. ongoing. A minimum income of $50K is required
p.a
p.a.
for 9 months
The CUA Platinum credit card delivers a great 0% p.a. for 9 months on balance transfers with half annual fee for the first year (usually $179). Earn 1.25 reward points per $1 spent. Minimum 50K income.
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p.a.
for 9 months
Receive 0% on balance transfers for 9 months and earn up to 3 points per $1 spent, uncapped points earning for a huge selection of rewards and range of platinum benefits
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for 8 months
0% p.a. for 8 months on balance transfers + 25,000 bonus points, alongside 1 reward point per $1 spent, free additional card holders & extensive rewards. Minimum income of $60,000 required.
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for 6 months
A bonus 8,000 points, 0% p.a. on balance transfers for the first 6 months, 1 Qantas Flyer point for every $1 spent and no foreign transaction fees. A minimum income of $65,000 is required.
p.a
p.a.
for 6 months
Receive 20,000 Qantas Frequent Flyer points, 0% on your balance transfer for 6 months, 2 Qantas lounge passes to use each year & earn 1 Qantas point for each $1 spent. Must earn $60K or more
for 4 months
p.a.
for 6 months
0% on purchases for 4 months and 0% on balance transfer for 6 months. Fantastic low interest rate credit card - the intro rate reverts to one of Australia's lowest at just 11.99% p.a.!
0% balance transfer credit cards charge no interest for a certain period of time after sign-up. This means that if you have balances on your current store or credit cards, you can transfer them onto a 0% balance transfer card, and pay 0% interest on the transferred balance.
Introductory offers will vary depending on the credit card provider, so you may find a 0% balance transfer card with an introductory period lasting three months, or if you are lucky, you may find an offer that lasts 12 months.
0% balance transfer cards are designed to help you pay off more of your credit card debt, while giving you a break from paying interest. At the end of the introductory period, any unpaid debt will revert to either the purchase rate or the cash advance rate, as determined by the credit card provider.
Choosing the best 0% balance transfer card usually comes down to finding a card with a long-running introductory period. While some 0% balance transfer cards have introductory periods that last just a few months, there are other offers that last up to a year, and sometimes longer.
Before you start looking for a 0% balance transfer card, you will need to think about how long it will take to pay off your outstanding balances. If you think you can pay off the debt quickly, then you can choose a credit card with a shorter introductory offer. If you need longer to pay off your debt, try to find a card that has a longer offer.
The next thing to think about is your credit limit. You will need to find a balance transfer card that accommodates the amount you need to transfer. If this is not possible, transfer as much of your credit card debt as possible, to take advantage of the lower interest rates.
If you plan on keeping the 0% balance transfer card after the introductory period, then you will need to assess the card for its suitability to your needs. Make sure the card is suitable in the long term, and find out how much is charged on purchase rates and annual fees.
The biggest mistake you can make with a 0% balance transfer credit card is not paying off your debts before the introductory period ends. As the unpaid debt usually reverts to a much higher rate, you can end up paying out a lot in interest.
While it’s not always possible to pay off your transferred balance before the balance transfer offer ends, you should make it your top priority to pay off as much as possible to take advantage of the lower interest rates.
Before you apply for the card, find out exactly when the offer will end, and what will happen when it does. Find out the reversion rate, and how much you will pay in annual fees. Read the terms and conditions in full to make sure there are no catches to the offer.
After the account has been opened, set yourself reminders at regular intervals so you know how long you have left before the offer ends. This can work as an incentive to motivate you to pay off as much as possible each month. You should be able to keep track of your progress via online banking, or by reading your credit card statement.
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nicole
April 15th, 2013 at 4:57pm
show me a list of cards with 0% on balance transfers which includes theirr total permissible balance transfer amounts
Roland
April 15th, 2013 at 5:21pm
Hi Nicole, you’ll find the minimum permissable balance transfer amount what percentage of your credit limit you are able to transfer, here. For maximums, it will often depend on the credit limit you are awarded. You can check the terms and conditions from any of the card pages here on creditcard.com.au, and where there is a stated maximum it is usually found there. Hope that helps.