Balance Transfer Credit Cards

Updated 21 May 2019

Pay down your credit card faster with a balance transfer card, choosing from a range of 0% balance transfer offers up to 26 months.

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.

Citi Rewards Platinum Credit Card

Citi Rewards Platinum Credit Card

22 reviews

Apply by 31 May 19

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$0 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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Coles Rewards Mastercard

Coles Rewards Mastercard

4 reviews

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$0 saved over 24 months
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$ saved over 24 months
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Virgin Australia Velocity Flyer Credit Card

Virgin Australia Velocity Flyer Credit Card

58 reviews

Apply by 30 Jun 19

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$0 saved over 18 months
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St.George Vertigo Platinum Credit Card

St.George Vertigo Platinum Credit Card

35 reviews

Apply by 2 Oct 19

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$0 saved over 18 months
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$ saved over 18 months
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Virgin Australia Velocity Flyer Credit Card – Up to 75,000 bonus Velocity Points

Virgin Australia Velocity Flyer Credit Card – Up to 75,000 bonus Velocity Points

3 reviews

Apply by 30 Jun 19

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St.George Vertigo Platinum Rainbow Credit Card

St.George Vertigo Platinum Rainbow Credit Card

1 review

Apply by 2 Oct 19

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$0 saved over 18 months
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$ saved over 18 months
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ANZ Platinum Credit Card

ANZ Platinum Credit Card

29 reviews
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ANZ Low Rate Credit Card

ANZ Low Rate Credit Card

56 reviews
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$0 saved over 15 months
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$ saved over 15 months
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Virgin Money Low Rate Credit Card

Virgin Money Low Rate Credit Card

11 reviews

Apply by 30 Jun 19

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$0 saved over 14 months
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Citi Rewards Platinum Credit Card – 0% Purchase Offer

Citi Rewards Platinum Credit Card – 0% Purchase Offer

1 review
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$0 saved over 13 months
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$ saved over 13 months
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American Express Platinum Edge Credit Card

American Express Platinum Edge Credit Card

1 review
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$0 saved over 12 months
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Qantas American Express Premium Credit Card

Qantas American Express Premium Credit Card

1 review
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Qantas American Express Discovery Credit Card

Qantas American Express Discovery Credit Card

1 review
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$ saved over 12 months
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St.George Amplify Signature Credit Card – Qantas

St.George Amplify Signature Credit Card – Qantas

1 review

Apply by 2 Oct 19

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$0 saved over 6 months
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$ saved over 6 months
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St.George Amplify Platinum Credit Card – Qantas

St.George Amplify Platinum Credit Card – Qantas

1 review

Apply by 2 Oct 19

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$ saved over 6 months
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St.George Vertigo Rainbow Credit Card

St.George Vertigo Rainbow Credit Card

1 review

Apply by 2 Oct 19

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$0 saved over 16 months
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$ saved over 16 months
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NAB Rewards Classic Credit Card

NAB Rewards Classic Credit Card

1 review
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$0 saved over 6 months
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$ saved over 6 months
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NAB Rewards Platinum Credit Card

NAB Rewards Platinum Credit Card

1 review
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$0 saved over 6 months
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$ saved over 6 months
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NAB Low Rate Platinum Credit Card

NAB Low Rate Platinum Credit Card

2 reviews
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$0 saved over 6 months
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$ saved over 6 months
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Coles Low Rate Mastercard

Coles Low Rate Mastercard

5 reviews

Apply by 30 Jun 19

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$0 saved over 6 months
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$ saved over 6 months
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Citi Signature Qantas Credit Card

Citi Signature Qantas Credit Card

2 reviews

Apply by 30 Jun 19

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$ saved over 6 months
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Coles No Annual Fee Mastercard

Coles No Annual Fee Mastercard

2 reviews

Apply by 30 Jun 19

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Citi Simplicity Credit Card

Citi Simplicity Credit Card

4 reviews
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$0 saved over 6 months
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Bank of Melbourne Vertigo Platinum

Bank of Melbourne Vertigo Platinum

5 reviews

Apply by 2 Oct 19

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$0 saved over 18 months
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$ saved over 18 months
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BankSA Vertigo Platinum Credit Card

BankSA Vertigo Platinum Credit Card

2 reviews

Apply by 2 Oct 19

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Emirates Citi World Mastercard

Emirates Citi World Mastercard

4 reviews

Apply by 31 Dec 19

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$0 saved over 9 months
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$ saved over 9 months
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ANZ First Card

ANZ First Card

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$0 saved over 18 months
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Virgin Australia Velocity Flyer Credit Card – 0% p.a. for 14 months on purchases

Virgin Australia Velocity Flyer Credit Card – 0% p.a. for 14 months on purchases

7 reviews

Apply by 30 Jun 19

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Bank of Melbourne No Annual Fee Credit Card

Bank of Melbourne No Annual Fee Credit Card

2 reviews

Apply by 2 Oct 19

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$0 saved over 12 months
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$ saved over 12 months
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Citi Clear Platinum Credit Card

Citi Clear Platinum Credit Card

114 reviews

Apply by 30 Jun 19

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$0 saved over 14 months
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HSBC Platinum Credit Card

HSBC Platinum Credit Card

14 reviews

Apply by 31 Dec 19

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$0 saved over 12 months
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Woolworths Everyday Platinum Credit Card

Woolworths Everyday Platinum Credit Card

8 reviews

Apply by 30 Jun 19

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$0 saved over 14 months
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$ saved over 14 months
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Bank of Melbourne Vertigo Credit Card

Bank of Melbourne Vertigo Credit Card

25 reviews

Apply by 2 Oct 19

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$0 saved over 16 months
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$ saved over 16 months
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Citi Rewards Signature Credit Card

Citi Rewards Signature Credit Card

5 reviews
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$0 saved over 15 months
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$ saved over 15 months
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St.George No Annual Fee Credit Card

St.George No Annual Fee Credit Card

6 reviews

Apply by 2 Oct 19

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$0 saved over 12 months
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$ saved over 12 months
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BankSA Vertigo Credit Card

BankSA Vertigo Credit Card

7 reviews

Apply by 2 Oct 19

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$0 saved over 16 months
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$ saved over 16 months
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Citi Rewards Classic Credit Card

Citi Rewards Classic Credit Card

25 reviews
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$0 saved over 15 months
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$ saved over 15 months
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HSBC Platinum Qantas Credit Card

HSBC Platinum Qantas Credit Card

11 reviews

Apply by 30 Jun 19

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$0 saved over 12 months
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St.George Amplify Credit Card – Online Exclusive

St.George Amplify Credit Card – Online Exclusive

5 reviews

Apply by 3 Jul 19

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$0 saved over 6 months
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$ saved over 6 months
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St.George Vertigo Credit Card – Online Exclusive

St.George Vertigo Credit Card – Online Exclusive

17 reviews

Apply by 3 Jul 19

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$0 saved over 6 months
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$ saved over 6 months
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Virgin Money No Annual Fee Credit Card

Virgin Money No Annual Fee Credit Card

15 reviews

Apply by 30 Jun 19

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$0 saved over 36 months
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$ saved over 36 months
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Virgin Australia Velocity High Flyer Credit Card

Virgin Australia Velocity High Flyer Credit Card

31 reviews

Apply by 30 Jun 19

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$0 saved over 15 months