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Last updated January 24, 2023

Pauline Hatch

Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger.

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(showing the latest 10 Q&As)

Featured Balance Transfer Credit Cards

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St.George Vertigo Credit Card

25 reviews

0% on balance transfers for 24 months with 2% BT fee

A low-cost card overall with one of the longest balance transfer terms around. Includes a low annual fee, up to 55 days interest-free on purchases and a free additional cardholder.

0% on balance transfers for 24 months

$0 saved over 24 months

2% BT fee applies. Low ongoing purchase rate at 13.99% p.a. Up to 55 days interest-free on purchases plus free additional cardholder.

13.99%

p.a

Purchase rate

13.99% p.a.

24 months

reverts to 21.99% p.a. 2% fee applies

Balance transfer

0% 24 months

reverts to 21.99% p.a.2% fee applies

$55

p.a.

Annual fee

$55 p.a.

saved over 24 months

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Westpac Low Rate Credit Card

307 reviews

0% p.a. Balance Transfer

0% balance transfer offer for 24 months with 2% BT fee (reverts to cash advance rate). $59 annual fee, or free the first year if you're an existing Westpac customer. Free additional cardholder.

0% p.a. Balance Transfer

$0 saved over 24 months

0% balance transfer offer for 24 months with 2% BT fee (reverts to cash advance rate). $59 annual fee, or free the first year if you're an existing Westpac customer. Free additional cardholder.

13.74%

p.a

Purchase rate

13.74% p.a.

24 months

reverts to 21.99% p.a. 2% fee applies

Balance transfer

0% 24 months

reverts to 21.99% p.a.2% fee applies

$59

p.a.

Annual fee

$59 p.a.

saved over 24 months

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save card more info

save card

Featured Rewards Credit Cards

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Qantas Premier Platinum Card

36 reviews

Up to 90,000 bonus Qantas Points

Get 50k Qantas Points when you spend $5,000 within the first 3 months, plus an additional 40k if you haven’t earned Qantas Points with a credit card in the last 12 months. Save 20% on flights for you and 8 friends. Complimentary travel insurance.

Up to 90,000 bonus Qantas Points

points earned over 12 months

1 pt

Qantas

Capped at $10,000 per statement, then 0.5 pts per $1

Earn rate per $1

1 point

Qantas Frequent Flyer

Capped at $10,000 per statement, then 0.5 pts per $1

90,000

points

Bonus points

90,000

points

$349

first year

then $399 p.a.

Annual fee

$349

first year

then $399 p.a.

pts

over 12 months spend

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save card more info

save card

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American Express Velocity Platinum Credit Card

5 reviews

60,000 bonus Velocity Points

when you apply online, are approved by 12 August 2025, and spend $3,000 on eligible purchases on your new card within the first 3 months. Each year get a complimentary annual domestic flight, domestic VA lounge passes and earn up to 100 Status Credits. Limited Time Offer. T&C's apply. New Amex Card Members.

points earned over 12 months

when you apply online, are approved, and spend $3,000 on eligible purchases on your new card within the first 3 months. Each year get a complimentary annual domestic flight, domestic VA lounge passes and earn up to 100 Status Credits each year. Limited Time Offer. New Amex Card Members.

1.25 pts

Velocity

Earn rate per $1

1.25 points

Velocity Frequent Flyer

60,000

points

Bonus points

60,000

points

$440

p.a.

Annual fee

$440

p.a.

pts

over 12 months spend

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save card

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Qantas Premier Everyday Card

13 reviews

8,000 bonus Qantas points

Big rewards for a tiny annual fee: earn up to 8,000 bonus points when you spend $3,000 or more on eligible purchases within 3 months of card approval. Complimentary overseas travel insurance with rental vehicle excess cover.

8,000 bonus Qantas points

points earned over 12 months

Earn 8,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 3 months of card approval. Low $99 annual fee.

0.75 pts

Qantas

Capped at $3000, then 0.4 pts per $1

Earn rate per $1

0.75 points

Qantas Frequent Flyer

Capped at $3000, then 0.4 pts per $1

8,000

points

Bonus points

8,000

points

$99

p.a.

Annual fee

$99

p.a.

pts

over 12 months spend

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save card more info

save card

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Pauline Hatch

Credit Card Types

Tips & Guides

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Recently Asked Questions

(showing the latest 10 Q&As)

0% on balance transfers for 24 months

Purchase rate

Balance transfer

Annual fee

0% p.a. Balance Transfer

Purchase rate

Balance transfer

Annual fee

Up to 90,000 bonus Qantas Points

Earn rate per $1

Bonus points

Annual fee

Earn rate per $1

Bonus points

Annual fee

8,000 bonus Qantas points

Earn rate per $1

Bonus points

Annual fee