Balance Transfer Credit Cards - 0% and Low Rate Offers (Ratings and Reviews)

Updated 13 October 2021

Pay down debt faster without paying interest. Compare the best 0% balance transfer offers below.

With a balance transfer card, you can move the amount you owe on your credit cards or store cards to a new credit card that charges 0% interest on the balance transferred, giving you time to potentially pay down and clear your debt.

Here’s what you need to know about balance transfer credit cards in Australia.

  • The introductory period (the length of time the discount on interest applies) can vary from a few months to over two years, so you have plenty of options for finding and applying for a card that works best for you.
  • The balance transfer rate (how much interest you’ll be charged once the introductory period is over) is important because it’s typically high, often over 20%. Your goal could be to pay down your debt before interest kicks in, or look at a new balance transfer.
  • Be sure to check if any fees apply for transferring your balance, and the annual fee as well.
  • To start a balance transfer, you’ll usually provide details of your existing credit card balance to your new provider during the application process.
  • Click on any balance transfer credit card listed here for an in-depth review of its pros and cons.

Use our visual comparison to quickly and easily see the strongest offers from the big banks, plus many of the smaller providers too.

On a desktop, look for the most filled-in circle. On a mobile device, look for the most filled-in bar below the feature.

Applying is simple. Click the card you like and follow the instructions for online application. After approval, the transfer will be arranged and your debt payment plan can start. If you reach the end of the intro period and still have some debt to pay off, you can consider another 0% balance transfer card to wipe the slate clean.

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What is a balance transfer and how does it work?

A balance transfer is a nifty credit card feature that allows you to transfer your balance from an existing card to a new card that offers a lower rate of interest for a certain period of time.

The idea is that saving money on interest could give you the chance to pay off your balance, faster.

The 0% or low interest periods on balance transfer cards vary from six months to three years, with introductory interest rates starting at 0% p.a.

For example, if you were to choose a 24 month 0% balance transfer offer, you could transfer the balance from your existing credit card to pay zero interest on that balance for two years. Any balance remaining after that introductory period would revert to the card’s purchase rate or cash advance rate.

Pros and cons of a balance transfer credit card

Balance transfer offers can give you a leg-up on your debt, but there’s a few caveats to their money-saving potential.

As a debt tool: balance transfer credit cards can give you relief from interest charges on card debt, and give you some breathing space to pay it down during the introductory period. That all depends on your strategy for knocking down the balance in time.

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.

As a credit card: most balance transfer credit cards won’t offer interest free days on your other spending. That means if you use the card to buy groceries or a coffee, you’re going to pay the card’s purchase rate on that transaction immediately.

You may want to consider having one low interest rate card for everyday spending, and one for paying down your balance on a balance transfer card. Or, close your old credit card account until you’re on top of your debt.

A balance transfer card isn’t a get-out-of-jail-free card, either. You’ll still have to pay minimums each statement period, and you’ll need a plan for paying down your debt long term.

If you have a leftover balance at the end of the introductory period, you can consider applying for another balance transfer card to give you time to pay it off – but be warned, applying for too many cards too quickly can leave a black mark on your credit score.

There are lots of balance transfer offers out there because providers dangle them as a carrot to entice new customers. The carrot works in your favour: the high competition means better offers and better opportunities to make a dent in your debt, if that’s your goal..

To find the best balance transfer offer, you need to know what you’re looking for and what to compare.

Balance Transfer Rate: This rate is different to the card’s purchase rate on everyday spending, or the cash advance rate that applies when you withdraw money from your credit card. The balance transfer rate is the introductory interest rate applied to the balance transferred onto the card as part of the balance transfer offer. Many cards offer 0% or a very low competitive rate. 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 for a limited time, so choosing the longest possible introductory period should give you more opportunity to pay down your transferred balance. Warning: don’t get complacent with a longer introductory period! Knock out an actionable repayment plan from the start and make the most of the offer to clear your debt

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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’ll pay in interest.

Balance Transfer Fee: Some providers charge a fee to transfer your balance to the new card. 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: There may be a cap on the amount you can transfer to your balance transfer credit card. This is usually expressed as a percentage of your approved credit limit. So, if you’re 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: Annual fees are important because you’ll need to weigh up whether the annual fee cancels out any interest you’re saving. Compare the annual fee to other cost-saving inclusions on the card (click the card for a full review), the introductory period, and the amount you owe.

When comparing balance transfer offers, consider any fees you might 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 with a different card.

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’s 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 the promotional rate of interest may not apply to your balance transfer fee, and it might be charged at the revert rate. Check with the card provider if you’re unsure.

The number of balances you can transfer onto a new balance transfer card varies, so it’s (always!) a good idea to read the small print before you apply. If you can’t find a conclusive answer, call the provider to check.

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 don’t usually transfer balances 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.

At the time of writing, these providers allow you to transfer personal loans to a balance transfer credit card:

You may find you can’t transfer a balance from one card provider to another, especially if they’re within the same financial group.

Balance transfers credit cards for existing customers:

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. Can transfer personal loans, conditions apply.
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. Can transfer personal loans, conditions apply.
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’ll need to take the first steps so your new credit card does the job you want it to do: help you get ahead of your debt.

1. Compare all the balance transfer cards and their offers.

Use CreditCard.com.au to compare your options, using the toggles to order them by provider, purchase rate, balance transfer revert rate, annual fee and the summary of your potential savings.

Pay close attention to the card’s balance transfer rate and revert rate, how long the introductory period lasts, and whether there’s 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 run, 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 on your existing card

Before you apply, double-check the amount you want to transfer to the new balance transfer card, especially if you are transferring a number of balances from different cards or lenders. 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. You’ll be asked to provide details about 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 you to 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. Activate the card and confirm the transfer

Once you’ve been approved for your new card, you’ll need to activate it (the instructions will come with it), and then confirm the transfer has been made. After you’ve checked there are no new transactions pending on your old card, you can close that account if you don’t plan on using it anymore.

You can choose whether you keep the old card or cancel it. Remember you may have to pay an annual fee. If you think you might be tempted to spend on the old card, you may be better off closing the account to focus on paying the balance transfer debt.

Yes, you can, but you’ll likely pay interest on those purchases right away. You can spend up to your credit limit, but having a balance transfer means you won’t get any interest free days on your purchases.

Credit card interest is usually calculated daily, which means you’ll be racking up interest from the moment you make a transaction on the card. If paying down debt is your goal, you may need a low interest rate card to make everyday purchases on, or forego using a credit card until your balance is cleared.

Common Mistakes with Balance Transfer Credit Cards

Balance transfer offers can be a lifesaver, but you’ll need to be aware of some easy mistakes to make after you’ve completed the transfer.

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

Even with a 0% p.a. balance transfer offer, you’ll need to make minimum repayments on the card 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

Making only the minimum repayments on any credit card isn’t a recommended practice because it will massively bump up the amount you owe long term. Check your credit card statement - it tells you how long it’ll take to pay off your debt making only the minimum repayments. By only paying the minimum, you’ll stay in debt far longer and pay a lot 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 introductory 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. That means if you’re spending on your balance transfer card, any payments you make might be paying off your new balance while the transferred balance remains untouched.

Note: even if the credit card says it offers interest free days, those won’t apply if you have a balance transfer. When you’ve paid the balance transfer, your interest free days will kick in.

Mistake #4. Not cancelling your old card

When you transfer a balance from an old card, it can be tempting to spend. After all, now you’ve got a credit card with $0 balance and a full credit limit available to you. If you’re going to be tempted to spend, consider closing your old card, and focusing on paying down your balance transfer.

If you’re struggling to pay down existing debt, a balance transfer can help you save money on your interest repayments. It's important to look at your repayments each month and work out what you can afford to pay down on your debt to find a balance transfer credit card that works for you and your circumstances.

Used well, a balance transfer offer can help you get on top of money you owe on your credit card.

Applying for a balance transfer credit card won’t affect your score any more than a regular application. It’ll show up as a standard hard enquiry on your credit file, and may lower your score as is normal for loan and credit card applications.

Each credit card application puts a hard enquiry on your credit file, so doing too many in a short period of time is detrimental. If you haven't paid off your balance at the end of the period, you can consider doing another balance transfer. As long as you meet the application requirements and can make the repayments, it's a good time to start comparing.

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940 questions (showing the latest 10 Q&As)

Thibault Dubreuil

Thibault Dubreuil

18 September 2021
Hi, I have never owned a credit card. I am currently a student and already have a job contract signed for February. However, I am in need of a bit of extra money until then. What are my best option knowing that I won(t be able to make any repayment before march 2022?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 September 2021
    Hi Thibault, interesting question! Thanks for asking. Credit cards generally require you to be in full-time employment to be eligible to be approved for a card. If you are receiving any time of income support you may be able to apply for a student credit card. Remember to read the requirements carefully and checking your credit score beforehand could be useful too.
Kathie

Kathie

3 September 2021
I have a credit card with St George for $4700 What can u do to save me money as quick as I can hopping 36 months no intrest
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 September 2021
    Hi Kathie, if you have a St.George credit card you could consider transferring your balance to any provider that isn’t owned by the St.George group - You can see a full list of who you can and can’t transfer balances. At the time of writing HSBC has a 36 month balance transfer that could help you save. Let us know how you go and if we can help further.
Sharnelle Arthur

Sharnelle Arthur

20 August 2021
Which cards do balance transfers for personal loans and credit cards? I have one of each totaling $17500
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 August 2021
    Hi Shamelie, you can check out our comparison tool on the credit cards that have a balance transfer option. You can put in your total debt and see an estimation of repayments. As for balance transfers catering for personal loans, currently only Citi and any card underwritten by Citi like Coles and Qantas support this and can give you up to 30 months to pay off your balance.
Kazem

Kazem

30 July 2021
can I transfer the BT to my saving account?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 August 2021
    Hi Kazem, unfortunately not, this is not a feature of balance transfers. The money will be transferred behind the scenes between each bank to pay off any outstanding amounts.
Gordon

Gordon

17 July 2021
I have 4 cards, 3 of which I owe $15k in total. I used to have 6 cards owing $60K+ with personal gross income of $64k (not good) but through Balance Transfers, a spreadsheet budget, discipline & goals gradually reduced over 5 years to my current debt despite going through redundancy 4 years ago. My credit rating has improved from below average to an ‘Excellent’ level (I subscribe to Veda & receive monthly updates). I want 1 more 0% BT (my last was about 4 years ago) & planning to cancel 1 card with $nil owing & reducing balances on remaining 3 to just above $$$ owing to improve chances of my app being accepted. I’d like to know if reducing my card balances & cancelling 1 card may impact my credit rating before I go ahead. I’ve worked hard to achieve this rating & am now in a position where I can sometimes provide some help to family during this COVID situation. Without a BT I can eliminate debt by June 2023 or before and increase my emergency savings to a certain level. With a BT I’m looking at June 2025 or before but can improve my emergency savings along the way as the card repayments will be a lot less. Would appreciate any comments on my strategy & if there is a better way maybe. Many thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 July 2021
    Hi Gordon. First of all, thanks for your great tips and detailed comment. Dealing with debt can sometimes be scary and overwhelming but it sounds like you’ve got a plan in mind. Balance transfers can be an effective way of crushing outstanding debt, but as you’ve said, you’ve got to be careful of your credit file. Whilst we can only provide general advice, you could see how your methods stack up against our guides, Crush your credit card debt, and How to use a balance transfer to deal with debt. Let us know if you make any adjustments to your strategy and how you go towards 2023!
Bernadette McKinnon

Bernadette McKinnon

4 June 2021
How the balance transfer work? If I apply to Bendigo for $5000 credit and it's approved, how will that link to my current credit card? Will I use the $5000 credit card to pay for my Commonwealth Card and I start to pay off that $5000 gradually? Second question: Not sure why it's said 0% for 24 months but on the other hand it is also said the interest free period is 55 days. Can you explain these please? Thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 June 2021
    Hi Bernadette, thanks for your question! When you apply for a credit card, you need to indicate that you’d also like to apply for a balance transfer along with the details required on the application. When this happens the banks will handle the debt behind the scenes. If you make a purchase on the new credit card while you have a balance, you won't be eligible for the interest free days. Hope this helps!
Garth F Boon

Garth F Boon

12 May 2021
Why does your sorting system work so poorly?? I do not want to deal with banks outside Australia. The sliding information's required on amount of card & annual fees NEVER work.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 May 2021
    Hi Garth, thanks for your comment and sorry to hear you’re having trouble using our tool. To help us troubleshoot your issues can you let us know what browser and operating system you are using? All our banks listed are banks in Australia. Thanks again.
Judithanne

Judithanne

4 May 2021
Hi there how much can I get
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 May 2021
    Hi Judithanne, how much you can get will depend on many factors. These can include outstanding debts, income, credit score and history just to name a few. We can't give you an exact answer we're afraid!
Kerry Glover

Kerry Glover

29 April 2021
What does it mean when it says says ummm say 15000, over 24 months?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 May 2021
    Hi Kerry, the amount you are referring to is based off the details from the calculator above our comparison tool. The amount is reflective of whether you balance transfer the input amount to the provider listed. Hopefully this has helped.
Carolina

Carolina

19 April 2021
what credit checks or requirements upon approval are needed in order to be approved for a certain amount of balance transfers? I have 3 credit cards totaling about $25000 or less. I was just looking into consolidating all my credit card payments into one, and this seemed like an excellent option for me at this time, given a possible less interest rate and a better option than debt consolidation. Could someone please get in touch via email or phone call today, if possible to discuss any best options?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 April 2021
    Hi Carolina, every bank and lender have different approval requirements and determine your credit limit (and balance transfer limit) differently. Creditcard.com.au is a comparison website and we don't represent any individual bank or lender. If you're concerned about your eligibility, please contact the company you want a credit card from directly to discuss your options.
Matt

Matt

26 March 2021
Im a discarged bankrupt (result of a divorce) Solid income , zero debts .. and single But i have the Bankructy blemish on my credit file . How can i succesfully get a credit card to start rebuilding my credit rating
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 March 2021
    Hi Matt, Bankruptcy stays on your credit file for 2 years from when your bankruptcy ends or 5 years from the date you became bankrupt (whichever is later). And it will be tricky to get a credit card before it is removed. There are a few things you can do to try to improve your chances: make all your repayments on time, lower any used credit limits, don't apply multiple times. If you've got a solid income, no debts and a reasonable amount of outgoing expenses, you can also talk to your current bank and see if they would be willing to issue you a credit card. Since they already have all of your financial history and details, it may be more likely that applying with a brand new provider and could start you out with a low limit. I hope that helps.
Sonal

Sonal

25 March 2021
Can I transfer balance transfer amount in personal loan
deb

deb

10 March 2021
we have a large debt on a credit card ($64K) which we can pay off in July- October. Can we transfer the balance across two new cards or will any of these cards transfer the entire amount on 0% balance transfer ? Ideally we want frequent flyer points as a primary consideration due to children living overseas.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 March 2021
    Hi Deb, from a purely technical perspective, yes - you can split a balance transfer between two new cards. However, the likelihood of being approved for two new balance transfer cards with $64,000 of existing credit card debt is very low as you'd need to be approved for about $80,000 worth of new credit. If you apply and get approved for one balance transfer card with a long-term offer, you could transfer some of the debt (just making minimum repayments) and focus on paying off your existing card. And then get back to paying down the balance transfer debt in July - Oct (there are plenty of offers with at least 18 months interest-free).
Kerry

Kerry

1 March 2021
I’m looking for a New credit card with longest interest free period available - I have about $15k purchase I want to make (I have no balances to transfer from other) - is there a card that does 6/ 12 month + Interest free without a balance transfer?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 March 2021
    Hi Kerry, there are plenty of cards that offer 0% interest for 12 months or more. You can check them out on our 0% purchase page. A lot of them also come with a balance transfer offer but if you don't want to take up a balance transfer, you absolutely don't have to. The longest interest-free offer I am aware of on the market right now is the ANZ Platinum with 0% interest on purchases for 17 months. I hope that helps.
Claire

Claire

25 February 2021
Can I transfer 2 credit cards balances across to only have one
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 February 2021
    Hi Claire, typically yes - most cards allow you to transfer up to 3 balances from Australian credit cards and store cards.
Kate

Kate

15 February 2021
I have an ANZ credit card that has a limit of $6000- $5500 owing. It has a very high interest rate and am finding it hard to even pay off any of the card as I feel like I’m only paying interest. What is the best option for me to be able to pay it off faster?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 February 2021
    Hi Kate, A balance transfer credit card could be what you're looking for. If you meet the eligibility criteria and get approved for a new card, this allows you to move the $5,500 onto a new credit card that charges 0% interest for an introductory period. You can then close your ANZ account and focus on repaying your balance interest-free. For example, if you opted for the Citi Rewards card with a 30-month interest-free balance transfer, you could pay $195 per month (factoring in the card's annual fee) towards your debt for those 30 months and have it cleared before the interest rate kicks in. This assumes you won't make any new purchases on the card and that you're eligible to transfer your entire balance. I hope that helps!
Hannah

Hannah

5 February 2021
Hello If I am looking at transfering $7000 from my current credit card to the new credit card, is the credit limit I request on the new card $7000. Kind regards Hannah
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 February 2021
    Hi Hannah, Most credit cards allow you to transfer up to a certain percentage of your available limit (usually 80% - 90%). For example, if you were looking at the St.George Vertigo Card, you're allowed to transfer up to 80% of your available credit limit - so to transfer the entire $7,000 balance you'd need to be approved for a credit limit of at least $8,750. The HSBC Platinum Credit Card allows you to transfer up to 90% of your available credit limit, so you'd need an approved limit of $7,778 to transfer the entire balance.
hannah

hannah

3 February 2021
Hello, what does this mean - At the end of the promotional period, the applicable variable cash advance rate will apply to any remaining unpaid transferred balance(s)
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 February 2021
    Hi Hannah, say you transfer $5,000 with a balance transfer offer. The offer is 0% for 12 months. At the end of the 12 months you have paid off $4,500 of the $5,000. The remaining $500 will be subject to the cash advance interest rate until you pay it off in full. Bottom line, the plan should be to pay off the balance transfer in full before the intro period expires. Another option, subject to credit approval, is to get another balance transfer offer before it expires.
Chris

Chris

20 January 2021
I have an amex card and my husband a nab card.what is the best card to do a balance transfer and can both be done on a single transaction
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 January 2021
    Hi Chris, a balance transfer must be between the same legal person. Therefore you and your husband would need to get separate balance transfers. The right balance transfer will depend on the time you need to pay off and the amount of the transfer. An offer like the St George Vertigo may be suitable for both of you.
Marissa Titmarsh

Marissa Titmarsh

14 January 2021
Would like to BT from Personal Loan to interest free credit card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 January 2021
    Sure - I like the Citi Rewards Platinum. Takes non-Citi personal loan debt. Can offer high credit limits. Longest 0% balance transfer in market plus no balance transfer fee.
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