Balance Transfer Credit Cards Australia
Are you ready to stop paying too much interest on your current credit card balances? Then a balance transfer credit card might be just what you need. Use our credit card comparison engine below to help you compare the best balance transfer credit card offers side-by-side, so you can apply online and start saving money in no time! We even make it easy on you by highlighting balance transfer details for each card so you can quickly scan the list for attractive offers. What are you waiting for?
Name |
Details | Balance Transfer | Secure Online Application | |||||
|---|---|---|---|---|---|---|---|---|
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Exclusive 0% Balance Transfer + Half Annual Fee Exclusive to CreditCard.com.au. Longest 0%
balance transfer in market plus discounted annual fee. Great low rate on purchases. Platinum features including concierge. Credit limit of up to $60k |
11.99% | 21.74% | 0% | 9 mths | up to 55 | $49 | ApplyMore Info | |
|
12 Month Balance Transfer A low ongoing rate on purchases plus an amazing 0.99% balance transfer for 12 months. Any unpaid balance transfer amount reverts to the low purchase rate which makes this the best balance transfer offer currently in market. |
13.24% | 21.49% | 0.99% | 12 mths | up to 55 | $55 | ApplyMore Info | |
|
12 Month Balance Transfer Gold credit card with 1% on balance transfers for 12 months. Additional cardholder at no extra cost plus a heap of complimentary insurance including price protection, extended warranty, purchase protection and overseas travel insurance. |
19.74% | 21.74% | 1.00% | 12 mths | up to 44 | $90 | ApplyMore Info | |
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0% on Purchases and Balance Transfer 0% on purchases and balance transfer for 6 months. This reverts to the low purchase rate, currently 13.49% p.a., which is great. Add to this offer a low $45 annual fee and you have a very strong offer. |
0.00% | 21.49% | 0% | 6 mths | up to 55 | $45 | ApplyMore Info | |
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15 Month Balance Transfer Special offer, pay only 2.9% for 15 months on balance transfers. No transaction fees, no cash advance fees and no ATM fees at over 3,000 ATMs throughout Australia. |
18.99% | 18.99% | 2.90% | 15 mths | 0 | $99 | ApplyMore Info | |
| 0% on Balance Transfers for 6 Months (with a 2% handling fee). No annual fee ever and access to HSBC's Home&Away privileges program. | 17.99% | 21.99% | 0% | 6 mths | up to 55 | $0 | ApplyMore Info | |
| 20,000 bonus reward points. 1.25 points per $1 (domestic). Earn 3 per $1 on overseas purchases for online shoppers and frequent travellers. Premium rewards credit card. Credit limit up to $100,000. | 20.99% | 21.74% | 0.90% | 9 mths | up to 55 | $199 | ApplyMore Info | |
| Special offer: 0% p.a. on purchases and balances transferred for 6 months with no annual fee first year. Car rental cover, purchase insurance and extended warranty. Minimum 50k income required to apply. | 0.00% | 20.99% | 0% | 6 mths | up to 55 | $87 | ApplyMore Info | |
| On balance transfer pay 1.9% for 9 months. Buy 1 get 1 complimentary flight up to 4 times a year. Earn Velocity Points with a low annual fee of $99. | 20.99% | 20.99% | 1.90% | 9 mths | up to 44 | $99 | ApplyMore Info | |
| Bank of Melbourne (part of St George) special offer. 0.99% p.a. on balance transfers for 12 months. Any unpaid balance reverts to the low purchase rate, currently 13.24% p.a. You can bank at St.George and Bank of SA branches. Offer end 28th Feb | 13.24% | 21.74% | 0.99% | 12 mths | up to 55 | $55 | ApplyMore Info | |
| Receive 0% p.a. on purchases and balances transferred for the first 3 months. Low ongoing purchase rate, currently 13.24% p.a., ANZ's lowest rate credit card. | 0.00% | 21.49% | 0% | 3 mths | up to 55 | $58 | ApplyMore Info | |
| Get 0% on Balance Transfers for 7 months with 4 SkyWards Miles for every $1 spent up to 50,000 miles - Great special offer for Emirates flyers. | 20.99% | 21.24% | 0% | 7 mths | up to 55 | $229 | ApplyMore Info | |
| Special offer: 0% p.a. on purchases and balances transferred for the first 3 months. Created by ANZ and designed to be your first credit card. | 0.00% | 20.99% | 0% | 3 mths | up to 44 | $30 | ApplyMore Info | |
| Special offer of 0% p.a. on balance transfers for 6 months with 10% cash back if you spend $600 a month at BP. | 20.89% | 21.39% | 0% | 6 mths | up to 55 | $89 | ApplyMore Info | |
| No annual fee with a range of platinum benefits and 1% p.a. on purchases for the first 6 months. | 1.00% | 18.99% | 4.99% | 12 mths | up to 55 | $0 | ApplyMore Info | |
| Receive an introductory offer of 1.9% p.a. on balance transfers for the first 6 months with half annual fee for life. With this card you also receive a range of Platinum benefits. | 20.74% | 21.74% | 1.90% | 6 mths | up to 55 | $99 | ApplyMore Info | |
| The NAB Low Fee offers 1% p.a. on Balance Transfers for the first 6 months with a low annual credit card fee of $30. | 19.74% | 21.74% | 1.00% | 6 mths | up to 44 | $30 | ApplyMore Info | |
| Earn Qantas frequent flyer points. Balance transfer offer of 0.99% p.a. for 6 months. | 19.99% | 21.49% | 0.99% | 6 mths | up to 45 | $75 | ApplyMore Info | |
| Earn up to 1.5 Qantas frequent flyer points for every dollar spent with 0.99% Balance transfer for 6 months. | 19.99% | 21.49% | 0.99% | 6 mths | up to 45 | $250 | ApplyMore Info | |
| 0% on Purchases and Balance Transfers for 4 Months with half annual fee for the first year. You can also earn up to 1.25 points per $1 Spent. | 20.74% | 21.49% | 0% | 4 mths | up to 55 | $149 | ApplyMore Info | |
| 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. Earn 1.25 reward points for every $1 spent. | 20.24% | 21.24% | 0% | 9 mths | up to 55 | $89 | ApplyMore Info | |
| Bank of Queensland Special: 1.9% p.a. on balance transfers for the first 6 months with a low purchase rate and low annual fee. | 13.49% | 21.49% | 1.90% | 6 mths | up to 55 | $55 | ApplyMore Info | |
| Introducing the Citibank Rewards - Signature with a huge 40,000 Reward points.Get 1.5 Reward points on domestic purchases and 4 per $1 on International purchases. Min income 120k to apply | 20.99% | 21.74% | 0.90% | 9 mths | up to 55 | $395 | ApplyMore Info | |
Introductory Offer
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{data:special_offer}Pay Lower Interest with Balance Transfer Credit Cards!
If you're stuck with an old credit card offer with a high interest rate, you might be paying much more than you have to each month. Did you know that there is an easy option that would let you get a significantly lower rate? That option is a balance transfer.
The essence of how balance transfer credit cards work:
You apply for a new credit card and you use that new card to basically pay off the old one by moving the balance from one card to the other. The new credit card features a special balance transfer rate, usually for a limited time (probably anywhere from a few months to a year depending on the card -- some are for the life of the balance transfer).
That means you have at least several months to work on paying down your debt, all while saving as much as 10% or 15% (sometimes more) on your previous interest rate! At the end of the introductory period, the rate on the remaining balance usually reverts to either the new card's purchase interest rate or cash advance rate.
How balance transfer offers vary:
Not all balance transfer offers are created equally. You have to compare balance transfer cards just like you would compare any other type of credit card. Here are some things you'll want to compare:
- Balance transfer rates
- How long the balance transfer rate lasts
- What the balance transfer rate will revert to later if you can't pay it off in full during the introductory period (usually found in the fine print from the credit card company)
We make it easier for you by giving you those first two pieces of information right in our balance transfer credit card comparison engine above. The tool above arms you with the information you need to narrow down your balance transfer credit card options. It's simple! Just:
- Scroll down the page looking at the two balance transfer columns until you find a balance transfer rate and duration that appeal to you.
- Hover your mouse pointer over the "More Info" link in the row of a credit card you're interested in to get more details and find out if it's a good match for you.
- Click the "Apply" button to access a secure online credit card application for that card so you can apply right away.
Even if you're not specifically looking for balance transfer credit cards, we make it easy to find the perfect card for your spending habits. Whether you need a balance transfer card, low rate credit card, a card with no annual fee, rewards card, or even a frequent flyer card, we have what you're looking for. Here at CreditCard.com.au we even feature the best credit cards overall right on our homepage so you don't have to dig through the site to find them!
