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0% Balance transfer credit cards

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Citi Rewards Platinum Credit Card

Citi Rewards Platinum Credit Card

22 reviews

Apply by 30 Apr 19

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$0 saved over 26 months
Your savings
$ saved over 26 months
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St.George Vertigo Platinum Credit Card

St.George Vertigo Platinum Credit Card

35 reviews

Apply by 22 May 19

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$0 saved over 26 months
Your savings
$ saved over 26 months
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Westpac Low Rate credit card

Westpac Low Rate credit card

303 reviews

Apply by 26 Jun 19

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$0 saved over 18 months
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$ saved over 18 months
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Frequent flyer credit cards

Earn frequent flyer points on your credit card spend with bonus points offers

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10 reviews
More info
points earned over 12 months
1 point
16.77% Complete (success)
Qantas Frequent Flyer
100,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$425
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
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4 reviews
More info
points earned over 12 months
1 point
16.77% Complete (success)
Qantas Frequent Flyer
90,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$295
first year
16.77% Complete (success)
then $395 p.a.
Your points
$120,000 saved over 12 months
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2 reviews

Apply by 30 Apr 19

More info
points earned over 12 months
0.66 points
16.77% Complete (success)
Velocity Frequent Flyer
75,000
points
16.77% Complete (success)
Velocity Frequent Flyer
$64
first year
16.77% Complete (success)
then $129 p.a.
Your points
$120,000 saved over 12 months
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No annual fee credit cards

Stop paying an annual fee but still get access to rewards and more

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28 Degrees Platinum Mastercard

28 Degrees Platinum Mastercard

15 reviews
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$0 saved over months
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$ saved over months
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ME Frank Credit Card

ME Frank Credit Card

23 reviews
More info
$0 saved over months
Your savings
$ saved over months
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Citi Simplicity Credit Card

Citi Simplicity Credit Card

4 reviews
More info
$0 saved over 6 months
Your savings
$ saved over 6 months
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Credit Card Experts

We are the credit card experts. Our founder started online credit card comparison in Australia in 2005. He still answers all the questions on the site. Let CreditCard.com.au guide you on your credit card journey.
Roland Roland Bleyer founder I have extensive knowledge about credit cards in Australia and am known as a credit card expert. I have been featured in 2019 on tv and in various publications. I personally answer all questions to help you select a better suited credit card.

Use credit cards wisely thanks to our free online courses

I receive streams of questions every day from people just like you wanting to know more about credit cards or how to use them better. The truth is that only a small percentage of the population actually understand credit cards and how to get the best out of them. Knowledge is power and frankly its difficult to cut through all the sales hype and really work out what card would be best for your personal situation. That’s why I created Credit Card EDU. An online place where you can study a range of credit card topics anytime on mobile, tablet or desktop. Please let me know what you think and congratulations if you pass the final exam and receive your certificate.

What to look for in a credit card

Looking at how you use your card will tell you what features in a credit card that works best for you.

If you pay off your balance in full each billing cycle. This gives you access to interest free days on most cards. Paying off your card each month will also assist you in avoiding interest. If you are this type of credit card user. Then the interest rate should not be a concern. You should be looking at cards that will earn rewards on your spent. Look at features that you will use e.g. overseas travel insurance. Map out your average monthly spend to see what rewards card could be right for you.

If you currently have credit card debt. Then a balance transfer could be an option for you.

Firstly, what is a balance transfer? You currently have credit card debt. You are approved for a new balance transfer credit card. Your new bank makes a payment on your behalf off your old card. The debt is transferred from your old card to your new card.You receive a special interest rate, typically 0% for up to 2 years.

Some key points are that a balance transfer must be between different banks e.g. Commbank to Westpac. You can only transfer your own debt – not your partners or family. The simple online application process takes around 10-15 mins. You must have good credit to get approved for a new balance transfer credit card.

If you are not spending much on your credit card or use it very infrequently. Then it's likely that a no annual fee or low annual fee product could suit. These cards tend to have interest rates around 20%. So if you do hold a balance this is still a concern. Though if you do pay off your balance in full each billing cycle. Then not paying an annual fee can work in your favour.

Australian’s spend over one million dollars a day just on credit card foreign fees. If you like to travel or spend online in overseas currencies. Then you should look at a card that offers no foreign fees on purchases. An important point is to also understand what exchange rate the card is using.

Recently Asked Questions

Something you need to know? Ask a our credit card expert a question.

Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

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10 questions (showing the latest 10 Q&As)

Afaq Ahmad Khan

Afaq Ahmad Khan

16 April 2019
This is a test from home?
Roland

Roland

3 April 2019
hi there
Evan

Evan

31 March 2019
Can I get approval for credit even if I started a new job as a casual recently
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 April 2019
    Hi Evan, I would suggest you wait until you are at least 3 months into your employment. I would say a better amount of time would be 6 months. I think it would be difficult to get approved for a new credit card with a new job. Read our credit card application tips.
Opulent

Opulent

27 March 2019
I am looking for applying a credit card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 March 2019
    What card are you looking to apply for?
Hassan

Hassan

25 March 2019
Hi Roland Well done on your website. Which credit card/s offer all the following: 1. Complimentary car hire insurance in Australia and overseas. 2. Complimentary travel insurance. 3. Highest reward points. Thanks and regards Hassan
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 March 2019
    Hi Hassan, it will depend on the type of rewards (program) you are after. I have the American Express Qantas Ultimate. It does meet your requirements. Let me know if this card does not suit for your needs.
Christian verdugo

Christian verdugo

25 March 2019
Need to find out my credit score
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