Low and 0% Balance Transfer Credit Cards

Updated 28 May 2020

Pay down your credit card faster with a balance transfer card, choosing from a range of 0% balance transfer offers.

With the right balance transfer card, you could pay down your credit card debt faster by taking advantage of a 0% offer. By transferring the balance from your existing credit cards and store cards, you can benefit from a much lower rate on that transferred amount. Then, as you are paying less in interest, you can clear your debt faster.

To find the right balance transfer card, you need to compare. At CreditCard.com.au, we make it super easy to compare the options. We use visual comparison to show you quickly and easily what the strongest offers are from the big banks, plus many of the smaller providers too. On desktop, simply look for the most filled-in circle. On a mobile device, look for the most filled-in bar below the feature.

When comparing offers, the balance transfer rate and introductory period are both important, but be sure to check for any transfer fee and the annual fee as well. 0% balance transfer offers can provide a great deal, with introductory periods that range from a few months to over two years. With such a wide range, you can easily find and apply for the card that works best for you.

When it comes time to apply, you will usually provide details of the balance transfer to your new provider during the application process. If approved, the transfer will be arranged and you can start working on clearing that transferred amount. If you reach the end of the intro period and still have some to pay off, another balance transfer could be an option, subject to credit approval.

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What is a balance transfer and how does it work?

A balance transfer is a credit card feature that allows new cardholders to save money when they transfer a balance from an existing credit card, to enjoy a lower introductory rate of interest on that balance for a specified period of time.

Balance transfer periods typically vary from six months to two years, with introductory interest rates starting at 0% p.a. Used correctly, the right balance transfer offer could give you the opportunity to pay down more of your balance, while saving on interest.

So, if you were to choose a 12 month 0% balance transfer offer, you could transfer the balance from your existing credit card to pay zero interest on that balance for 12 months. Any balance remaining after that intro period would revert to the card’s purchase rate or cash advance rate.

Balance transfers in a nutshell

A balance transfer offer can be a fantastic money-saving tool. But, it needs to be used wisely. Compare the options on Creditcard.com.au to find the balance transfer that works best for you, then put all your energy into paying off the transferred balance. Not only could you save heaps in interest, you could also be debt-free at the end of intro period. Now wouldn’t that feel good?

Presented as an introductory offer, balance transfers are designed to entice new cardholders, so there is usually plenty of competition within the market. This means you can compare a number of balance transfer offers to find the right one for you.

But to do that effectively, you need to know what to compare. Here are the most important factors you should consider when comparing balance transfer offers, to help you find the balance transfer that best meets your needs.

Balance Transfer Rate: Not to be confused with the card’s purchase rate or cash advance rate, the balance transfer rate is the introductory interest rate applied to any balances transferred onto the card as part of the balance transfer offer. Try to choose the balance transfer offer with the lowest balance transfer rate, as this should save you the most in interest.

Length of Introductory Period: Each balance transfer offer is offered over a specified period of time. Choosing the longest possible introductory period should give you more opportunity to pay down your transferred balance. Be careful not to be too relaxed with a longer introductory period. Set out a repayment plan from the start, to steadily pay down your balance and make the most of the offer.

Revert Rate: At the end of the introductory period, any transferred balance left unpaid will attract the card’s revert rate. This may be the card’s purchase rate, which is usually lower, or the card’s cash advance rate, which is usually higher. If you think you may have a balance remaining at the end of the intro period, the card’s revert rate is important. The higher the rate, the more you will pay in interest.

Balance Transfer Fee: Many cards now charge a fee on balances transferred. This balance transfer fee is either a fixed amount, or a percentage of the transferred balance. Be sure to calculate the cost of the balance transfer fee before you apply to make sure the offer is still worthwhile.

Balance Transfer Limits: When you transfer a balance, you may be limited in the amount you can transfer. This is usually expressed as a percentage of your approved credit limit. So, if you are approved for a $10,000 credit limit with a balance transfer limit of 90%, you may transfer up to $9,000 as a balance transfer.

Annual Fee: When you transfer a balance, it’s usually to save money. However, the money you are saving on interest may be cancelled out by a high annual fee, especially if you are paying off the balance transfer over a number of years. A card with a lower annual fee may help you to save more in the long run.

When comparing balance transfer offers, take into account any fees you will have to pay. Doing this should make it easier for you to work out how much the offer could save you overall, and whether you could save more by opting for a different offer.

One of the most important fees to look out for is the balance transfer fee. Not all balance transfer cards charge balance transfer fees, so if it’s not obvious, check the fine print to make sure. A balance transfer fee may be charged as a flat rate, but it is more commonly charged as a percentage of the transferred amount.

So, if you were to transfer $5,000 with a balance transfer fee of 2%, your fee would come to $100, and you would have a total of $5,100 to pay back overall. It’s worth mentioning that balance transfer fees may not attract the promotional rate of interest. Check with your provider if you are unsure.

As the number of balances you can transfer onto a new balance transfer card varies, it’s a good idea to read the small print before you apply. If you can’t find a conclusive answer, check with the provider.

You may find some providers allow for the transfer of a number of balances, while other providers only allow one transfer. You may also want to check where you can transfer balances from. Providers typically prohibit transfers from other credit cards within their network, but you should be able to transfer from other providers’ credit cards, and in some cases, from store cards, personal loans and other forms of credit.

You may find you are unable to transfer a balance from one card provider to another, especially if they are within the same financial group.

American Express

No balance transfers from other American Express accounts.

ANZ

No balance transfers from other ANZ accounts.

Bank of Melbourne

No balance transfers from BankSA, St.George or Bank of Melbourne credit cards as all of these banks are under the Westpac Banking Corporation. Balance transfers from Westpac are permitted.

BankSA

No balance transfers from BankSA, St.George or Bank of Melbourne credit cards as all of these banks are under the Westpac Banking Corporation. Balance transfers from Westpac are permitted.

Bankwest

No balance transfers from other Bankwest accounts. While Bankwest is a division of CommBank, you can still request a balance transfer from a CommBank credit card to Bankwest.

BOQ

No balance transfers from other BOQ accounts, or from other Citi-issued credit facilities, including Citi, IMB and Suncorp Bank.

Citi

No balance transfers from other Citi accounts or Citigroup accounts, including cards from Coles Mastercard, Suncorp Bank, IMB, Qantas Money and Virgin Money.

Commonwealth Bank

No balance transfers from other CommBank accounts. Balance transfers between CommBank and Bankwest are permitted.

Coles

No balance transfers from other Coles credit cards and other Citigroup credit cards.

IMB

No balance transfers from other IMB accounts or Citigroup accounts, including Citi, Suncorp Bank and Virgin Money.

Jetstar

No balance transfers from other accounts issued by Jetstar Mastercard, Macquarie or Card Services.

Latitude Financial Services

No balance transfers from other Latitude accounts or its associated entities, including Gem Visa, 28 Degrees Platinum Mastercard, GO Mastercard and Latitude Infinity.

Macquarie Bank

No balance transfers from other accounts issued by Macquarie Bank. This includes other Macquarie and Card Services accounts.

Myer

No balance transfers from Macquarie Bank or Card Services accounts.

NAB

No balance transfers from other NAB accounts.

St.George

No balance transfers from BankSA, St.George or Bank of Melbourne credit cards as all of these banks are under the Westpac Banking Corporation. Balance transfers from Westpac are permitted.

Suncorp Bank

No balance transfers from other Suncorp Bank accounts or Citigroup accounts, including Citi, IMB and Virgin Money.

Virgin Money

No balance transfers from other Virgin Money accounts or Citigroup accounts, including Citi, IMB and Suncorp Bank.

Westpac

No balance transfers from other Westpac accounts. Balance transfers from BankSA, St.George or Bank of Melbourne credit cards are permitted.

Woolworths

No balance transfers from other Woolworths credit cards, Macquarie or Card Services accounts.

Luckily, your new provider will do most of the legwork when you request a balance transfer. However, you still have an important part to play. Follow these steps to enjoy a hassle-free balance transfer, so you can get on with paying down your debt.

1. Compare

Use CreditCard.com.au to compare your options. Pay close attention to the card’s balance transfer rate and revert rate, how long the introductory period lasts, and whether there is a limit placed on the amount transferred. Be sure to take into account the card’s annual fees, and check whether there is a balance transfer fee.

If you plan on keeping the card in the long term, it’s a good idea to compare other factors, such as the card’s purchase rate, and the various features on offer.

2. Confirm the amount owing

Before you apply, take time to confirm the amount you want to transfer to the new balance transfer card, especially if you are transferring a number of balances. Depending on the card you choose, you may be limited in the amount you can transfer. Transfer limits are usually expressed as a percentage of your approved credit limit, for example, 80% or 90%.

3. Submit your application

When you’re ready to apply, simply click through to the card provider’s website to begin your application. Online applications usually take around 10 minutes to complete, during which, you will be asked to detail your income, assets, debts and other relevant information.

4. Request the balance transfer

The process for requesting a balance transfer can vary. Some providers ask that you provide details of the transfer when you apply for the card, while others allow you to request the transfer after your application has been approved. For those balance transfer requests, you typically have a limited time to apply, either using a paper application or online banking.

5. Confirm the transfer

Once you have been approved for your new card, you will need to activate it, and then confirm the transfer has been made. After you have checked there are no new transactions pending on the old card, you are free to close that account.

You can choose whether you keep the old card or cancel it. If you think you may be tempted to spend on the old card now you have cleared the balance on it, you may be better off closing the account to avoid spending money you don’t have. But, whether you choose to cancel it or keep it, this is the time to focus on paying down your transferred balance – not spending more.
You are allowed to spend up to your credit limit, so if you have credit available, you can spend on your card. However, you have to be aware that with a balance transfer on your account, you will not receive any interest free days on new spending. That means, not only will you have to pay down your transferred balance, you will also have to pay off your new purchases plus the interest they accrue from the day they’re made.

Common Mistakes To Avoid

Balance transfer offers are awesome. But only if you choose the right offer, and treat it correctly. If you want to get the most out of your balance transfer offer, here are some common mistakes you should try to avoid.

Mistake #1. Thinking that 0% interest means no payments

Even with a 0% p.a. balance transfer offer, you still need to make repayments on the card. As with any credit card, you will have minimum repayments to make each statement period. If you want to pay off your transferred balance within the introductory period, it’s a good idea to set up a repayment plan, where you pay off as much as you can afford each month.

Mistake #2. Only paying minimum repayments

Only making the minimum repayments on any credit card is not recommended. Your credit card statement will show you how long it would take to pay off your debt making only the minimum repayments. By only paying the minimum, not only will you stay in debt longer – sometimes decades longer – you will also pay much more in interest, even with a balance transfer offer.

Mistake #3. Making new purchases on your card

This applies to both your new card and your old card. When you have a balance transfer offer, you should focus on paying your transferred balance off within the intro period. If you start spending on either card, you have even more to pay off month-to-month.

Worse still, any repayments on your new card automatically go towards paying off the balance with the highest interest first. So if you’re spending on that card, you may only be paying off your new balance while the transferred balance remains.

Mistake #4. Not cancelling your old card

When you transfer a balance from an old card, it can be tempting to spend. After all, you now have a credit card with $0 balance and a full credit limit available to you. As we said before though, this can only create more problems. Avoid the temptation to spend by closing your old card, and focus on paying down your balance transfer.

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897 questions (showing the latest 10 Q&As)

Sarah

Sarah

2 June 2020
I have 2 personal loans and 1 credit card and amounts in 35k. I want to consolidate all of this 3 so I will end up paying into 1 interest rate. What is the best one.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 June 2020
    Hi Sarah, that is a huge balance transfer and very hard for approval in this market. You would need excellent credit and great income v expenses for affordability. As they will max out new card and look at all old loan payments when seeing if you can afford. For which card, I can just think of one. The Citi Rewards balance transfer offer. Will take up to 3 non-citi issued loans and cards.
Regina

Regina

1 June 2020
Hi Roland, I have a $3000 Go Mastercard (22.71%) interest rate and I owe $2700 plus a Commonwealth credit card limit $2200 but I owe $1990. I have been doing some researching for the lowest balance transfer rate card but I am not sure which one to go for. Would you be able to help me? Cheers
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 June 2020
    Hi Regina, your debt on both cards is around 90% of the limit. Negative credit reporting comes into play when you are at or over 85%. I would suggest if you can pay them down a little though this is just a guide. A 0% balance transfer is certainly a great way to reduce interest. If you can pay off the debt over 18 months. Then have a look at the St George Vertigo. The ANZ low rate could also be a good option. It has a 1.5% balance transfer fee which would be around $70 on your debt. Though it waves the annual fee first year making up for most. It also gives you 22 months to pay the debt off.
Emily

Emily

21 May 2020
Looking at transferring a credit card from Beyond Bank to a 0% balance transfer card. Which banks will accept balance transfer from Beyond Bank?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 May 2020
    Hi Emily, a balance transfer needs to be between different banks. Therefore you just need to look outside Beyond for a 0% balance transfer. The St George Vertigo with 0% for 18 months and no balance transfer fee could work.
Jenny

Jenny

19 May 2020
Hello I have a HSBC Credit Card with limit of $7000, which I've maxed. Which is the best credit card to transfer with lowest interest? Thank you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 May 2020
    Hi Jenny, when you are at your max credit limit, this is not a good sign to the banks. Negative credit reporting comes into play when you hit 85% of your credit limit. Every person has a unique financial position. Though being at the max limit can affect your ability to get approved for a balance transfer. In saying that, if your income v expenses are good, then this would overcome it. I like the ANZ Low Rate offer. It has a 1.5% balance transfer fee or $105 in your case but has a reasonable annual fee which is waived first year.
Richard main

Richard main

18 May 2020
Balance trf for 10,000 to be cleared b4 12 months with zero balance trf interest rate , no fee
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 May 2020
    Hi Richard, for 12 months I would try the Virgin No Annual Fee. 0% balance transfer, no annual fee, no balance transfer fee. Debt needs to be non-Citi issued.
Kim

Kim

13 May 2020
Hi there I have 2 NAB credit cards owing total 25000 am I able to transfer both cards to a single credit card with 0% interest? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 May 2020
    Hi Kim, yes this is possible. Though a $25,000 transfer is a large one. When the banks look at approval. They will calculate not only the new card but your old ones as well. Cards like the HSBC Platinum have a max limit of $25,000. With you been able to transfer up to 95% of your new limit. Therefore the highest possible transfer with this card is $23,750. You would need excellent credit and conditions to get approved for an amount like that. What is the credit limit on each of your current NAB cards and how much do you owe on each?
Maree

Maree

29 April 2020
Hi. I noticed that a lot of the offers are set to expire 30th of April 2020. Will there be new offers available 1st June?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 April 2020
    Hi Maree, yes many offers look like they will be ending. Times are interesting as of COVID-19. I would expect that on the 1st June there still will be balance transfer deals available. Though we just have to see what ones.
Ricc

Ricc

17 March 2020
Hi Roland, Can I transfer balance between St George and Westpac credit cards? If so, can I still do it even if the amount transfered will bring Westpac card on positive balance? thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 March 2020
    Hi Ricc, yes you can. No you cannot transfer over the the debt amount you have. Therefore if you owe 10k on the St George card at the time of application. Then you can balance transfer a maximum of 10k to the new Westpac offer.
Helen

Helen

3 March 2020
which 0% balance transfers cards allow you to transfer a balance from a credit card from my husband's account?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 March 2020
    Hi Helen, none. A balance transfer must be between the same legal person.
Sonya

Sonya

3 March 2020
Hi, just wondering if I am able to balance transfer a credit card 5K and a personal loan 15k to t one card? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 March 2020
    Hi Sonya, sure you can do this but only with a Citi issued credit card. Also your debt you are transferring needs to be non-Citi. Have a look at the Virgin Flyer balance transfer offer (Citi issued).
Natalie

Natalie

26 February 2020
If i have a credit card in my name and one card in my husbands name can we do a balance transfer of both onto the same card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 February 2020
    Hi Natalie, a balance transfer needs to be between the same legal person. Therefore you and your husband would each have to get a balance transfer offer for your own debt.
Shin

Shin

13 February 2020
Hi Ronald, I have a credit card with ANZ for 5000 with a closing balance of 4500 dollars. I am currently unemployed , what is the best offer for me? I am on a temporary bridging visa in Australia. Thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 February 2020
    Hi Shin, being unemployed, you will not be able to get approval for a new credit card. What I suggest, is that you wait until you have employment again before applying. Additionally bridging Visas can be a concern with banks. So depending on the time left, you may want to await this outcome before you apply. I would suggest you wait at least 3 months into a new job before applying, though better 6.
Kush

Kush

3 February 2020
Hi, I have a personal debt of 16k on Commbank credit card. Can you suggest me a Credit card with 0% on balance transfer and long term plus less revert fees? Thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 February 2020
    Hi Kush, you are limited when looking to transfer personal loan debt. Only Citi issued cards can deal with this. All balance transfers will revert to the cash advance rate now. This will be any amount that you have not paid off within the balance transfer period. This Virgin Flyer offer would be the go. Will accept CBA loan debt. Has 0% for 22 months with no balance transfer fees. Should save you a heap on interest. At the end of the balance transfer period. If you have not paid off the amount in full. You could look to do another balance transfer, subject to credit approval. Though I would focus on paying the debt off in the 22 months. With equal payments required to eliminate the debt while paying no interest.
Suz

Suz

29 January 2020
Hi I am on a disability pension with credit card debts of $5000, will any banks consider me for a balance transfer?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 January 2020
    Hi Suz, its possible. Approval depends on your income v expenses, assets v liabilities and your credit history. I would look at one of the big 4 banks. A balance transfer needs to be between different banks. Therefore where you current debt is will affect what offer you can go for. A card like the ANZ Low Rate could be an option.
WAYNE

WAYNE

25 January 2020
What’s the Best Card that has Priority Pass attached ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 January 2020
    Hi Wayne, not many cards do have priority pass. Then the best card for you will depend on a range of other factors. How much do you spend on average on your card? Citi Prestige which is relaunching soon has an unlimited visit priority pass membership.
Emily

Emily

21 January 2020
Hi, I started my own business last year and have rung up $10k on a high-interest credit card. Could you recommend a balance transfer credit card without a PAYG income requirement?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 January 2020
    Hi Emily, its likely the bank will want at least 12 months trading. They may want you to have done at least 1 tax return for the business. Every persons financial situation is unique, especially with small business. Most banks will accept self-employed people as long as you meet requirements. The Bigger banks are usually a good bet. A balance transfer needs to be between different banks. Therefore what your card debt is with now with affect what you can use. https://www.creditcard.com.au/stgeorge-amplify-platinum-qantas/. If your debt is non-St George - this could be a go.
Pavel

Pavel

17 January 2020
Hi, I have personal loan 21k. Can I pay off with balance transfer offer and if I can which bank will be better for that. Thanks advance for your help.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 January 2020
    Hi Pavel, as long as its non-Citi, then its possible. Have a look at this Virgin Flyer balance transfer offer. Good offer with no balance transfer fee that will accept loan debt.
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