Compare Balance Transfer Credit Cards
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?
| PURCHASE RATE (p.a.) | CASH ADVANCES | BALANCE TRANSFERS | INTEREST FREE DAYS (UP TO) |
ANNUAL FEE | SECURE ONLINE APPLICATION | |||
|---|---|---|---|---|---|---|---|---|
| Rate | Duration | |||||||
 |
Citibank Platinum Concierge service 24/7 with a personalised rewards program. Add to this an incredible 3.9% for life on balance transfers from both non-Citibank personal loans and credit cards and a credit limit up to $100,000. |
20.74% | 21.24% | 3.90% | For Life | 55 | $125 | ApplyMore Info |
 |
Suncorp Platinum 3.9% on balance transfers for life, totally amazing plus 24hr Personal Concierge, Suncorp Take Flight and Extended Warranty. For balance transfers, this card really delivers. |
19.99% | 19.99% | 3.90% | For Life | 55 | $205 | ApplyMore Info |
 |
Citi Select Credit Card Citi Select Credit Card. The first to launch on the Visa Signature program. Is this the best rewards credit card on the market. We think so! Check out the features the card offers. It will blow you away! Min 120k income required to apply. |
20.74% | 21.24% | 4.90% | For Life | 55 | $700 | ApplyMore Info |
 |
Citibank Gold Visa 1.9% p.a. on balance transfers for 12 months. Enjoy the legendary rewards program that Citibank Gold credit card delivers. |
20.74% | 21.24% | 1.90% | 12 mths | 55 | $149 | ApplyMore Info |
 |
Emirates Citibank Platinum MasterCard A must have card for Emirates and/or Virgin Blue Flyers. Earn 3 Skywards Miles per $1 spent with a MasterCard! Can redeem Skywards Miles on Virgin Blue flights. Top Rewards Card. |
20.74% | 20.74% | 1.90% | 12 mths | 55 | $229 | ApplyMore Info |
 |
Suncorp Standard Visa Gives you a low 12.24% p.a on purchases combined with a nice 1.9% p.a. on balance transfer for 12 months + a very low annual fee. Overall a nice low rate package. |
12.24% | 17.99% | 1.90% | 12 mths | 0 | $39 | ApplyMore Info |
 |
Bankwest Lite MasterCard Very low ongoing interest rate of 10.75%p.a. on purchases plus get a 1.99% balance transfer for 9 months. This card is lite on interest rates. Offer ends soon. |
10.75% | 21.74% | 1.99% | 9 mths | 55 | $59 | ApplyMore Info |
 |
CUA Rewards Credit Card A rewards card that charges slightly less interest than most but being a rewards card its still very high. Silver card option has low $45 annual fee. |
19.24% | 19.99% | 2.90% | 9 mths | 55 | $85 | ApplyMore Info |
 |
Citibank Clear Platinum Visa 0% p.a. on balance transfers for 7 months, the longest 0% balance transfer available + low purchase rate of 11.49% with platinum benefits. WoW! |
11.49% | 21.24% | 0% | 7 mths | 55 | $99 | ApplyMore Info |
 |
ANZ Low Rate MasterCard ANZ's lowest purchase rate credit card with a competitive annual fee and 0% for 6 months on balance transfers reverting to the low purchase rate once this expires. |
13.24% | 21.49% | 0% | 6 mths | 55 | $58 | ApplyMore Info |
 |
ANZ Balance Visa 0% p.a. on balance transfers for 6 months plus Earn 1 Reward Point for every $1 you repay to your balance with a low rate on purchases. ANZ's best overall credit card offer. |
14.24% | 21.49% | 0% | 6 mths | 55 | $79 | ApplyMore Info |
 |
HSBC Credit Card No annual fee credit card from HSBC. If you dont ever want to pay an annual fee then this could be the card for you. |
16.99% | 20.75% | 0% | 6 mths | 55 | $0 | ApplyMore Info |
 |
Woolworths Everyday Money MasterCard $0 annual fee for the first 12 months ($49 after that) |
19.49% | 20.99% | 0% | 6 mths | 55 | $49 | ApplyMore Info |
 |
Citibank Clear Visa Looking for a 0% balance transfer offer away from you current provider. Citibank Clear could be the answer. |
15.49% | 21.24% | 0% | 6 mths | 55 | $65 | ApplyMore Info |
 |
Coles Group Source MasterCard No annual fee, 0% p.a. balance transfer for the first 6 months plus savings on fuel and ability to earn FlyBuys. |
20.24% | 21.99% | 0% | 6 mths | 62 | $0 | ApplyMore Info |
 |
Virgin No Annual Fee Card No fee ever, a great balance transfer with a decent rate on purchases. This virgin credit card includes a special bonus offer of 1000 Velocity Rewards points. |
16.95% | 20.99% | 2.90% | 6 mths | 44 | $0 | ApplyMore Info |
Introductory Credit Card Offer
{data:img_bank}{data:img_card}{data:intro_offer}Standard Credit Card Rates
Credit Card Purchases: {data:purchase_rate}% p.aCredit Card Balance Transfer: {data:rate}% p.a
Credit Card Cash Advances: {data:cash_advances}% p.a
Credit Card Annual Fee: ${data:annual_fee} p.a
Standard Credit Card Features
{data:standard_features}Credit Card Approval Criteria
{data:approval_criteria}Credit Card Special Offer
{data:special_offer}Save Your Money on 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!
