Balance Transfer Credit Cards
Did you know? Balance Transfer Credit Cards let you transfer your existing credit card debt so that it can be repaid at a much lower rate (eg. 2.90% pa compared with 18% pa – average credit card interest rate) over a set amount of time (typically anywhere from 6 months to 1.5 years).
Below are some of the best Balance Transfer Credit Cards available today – and you can apply online for all:
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With the Westpac Low Rate Credit Card you get an Introductory Interest Rate of 1.90% pa for 9 months then 13.49% pa thereafter.
With the Westpac Low Rate Credit Card you get a Balance Transfer Rate of 0% pa for 6 months.
With the Westpac Low Rate Credit Card you get a 21.49% pa Cash Advance Rate.
With the Westpac Low Rate Credit Card you get up to 55 Interest Free days.
The Westpac Low Rate Credit Card has an Introductory Annual Fee of $0 for the 1st year then $45 thereafter.
With the St.George Vertigo MasterCard you get a 13.24% pa Interest Rate.
With the St.George Vertigo MasterCard you get a Balance Transfer Rate of 0.99% pa for 6 months.
With the St.George Vertigo MasterCard you get a 21.49% pa Cash Advance Rate.
With the St.George Vertigo MasterCard you get up to 55 Interest Free days.
The St.George Vertigo MasterCard has a $55 Annual Fee.
With the BoQ Low Rate Visa Card you get an Introductory Interest Rate of 0% pa for 3 months then 13.49% pa thereafter.
With the BoQ Low Rate Visa Card you get a Balance Transfer Rate of 0% pa for 3 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the BoQ Low Rate Visa Card you get a 21.49% pa Cash Advance Rate.
With the BoQ Low Rate Visa Card you get up to 55 Interest Free days.
The BoQ Low Rate Visa Card has an Introductory Annual Fee of $27 for the 1st year then $55 thereafter.
With the Citibank Clear Platinum Card you get an Introductory Interest Rate of 0% pa for 6 months then 11.99% pa thereafter.
With the Citibank Clear Platinum Card you get a Balance Transfer Rate of 0% pa for 6 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the Citibank Clear Platinum Card you get a 21.74% pa Cash Advance Rate.
With the Citibank Clear Platinum Card you get up to 55 Interest Free days.
The Citibank Clear Platinum Card has an Introductory Annual Fee of $49 for the 1st year then $99 thereafter.
With the Bankwest Breeze Gold MasterCard you get a 10.99% pa Interest Rate.
With the Bankwest Breeze Gold MasterCard you get a Balance Transfer Rate of 4.99% pa for 12 months.
With the Bankwest Breeze Gold MasterCard you get a 21.99% pa Cash Advance Rate.
With the Bankwest Breeze Gold MasterCard you get up to 55 Interest Free days.
The Bankwest Breeze Gold MasterCard has a $89 Annual Fee.
With the Westpac Earth Platinum Card you get a 19.99% pa Interest Rate.
With the Westpac Earth Platinum Card you get a Balance Transfer Rate of 0.99% pa for 6 months.
With the Westpac Earth Platinum Card you get a 21.49% pa Cash Advance Rate.
With the Westpac Earth Platinum Card you get up to 45 Interest Free days.
The Westpac Earth Platinum Card has a $250 Annual Fee.
With the Virgin Flyer Credit Card you get a 20.99% pa Interest Rate.
With the Virgin Flyer Credit Card you get a Balance Transfer Rate of 1.90% pa for 12 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the Virgin Flyer Credit Card you get a 20.99% pa Cash Advance Rate.
With the Virgin Flyer Credit Card you get up to 44 Interest Free days.
The Virgin Flyer Credit Card has an Introductory Annual Fee of $50 for the 1st year then $99 thereafter.
With the Emirates Citi Platinum Card you get a 20.99% pa Interest Rate.
With the Emirates Citi Platinum Card you get a Balance Transfer Rate of 0% pa for 12 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the Emirates Citi Platinum Card you get a 21.24% pa Cash Advance Rate.
With the Emirates Citi Platinum Card you get up to 55 Interest Free days.
The Emirates Citi Platinum Card has an Introductory Annual Fee of $0 for the 1st year then $229 thereafter.
With the ANZ Platinum Card you get an Introductory Interest Rate of 0% pa for 6 months then 19.39% pa thereafter.
With the ANZ Platinum Card you get a Balance Transfer Rate of 0% pa for 6 months.
With the ANZ Platinum Card you get a 20.99% pa Cash Advance Rate.
With the ANZ Platinum Card you get up to 55 Interest Free days.
The ANZ Platinum Card has an Introductory Annual Fee of $0 for the 1st year then $87 thereafter.
With the BP-Citi MasterCard you get a 20.89% pa Interest Rate.
With the BP-Citi MasterCard you get a Balance Transfer Rate of 0% pa for 6 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the BP-Citi MasterCard you get a 21.39% pa Cash Advance Rate.
With the BP-Citi MasterCard you get up to 55 Interest Free days.
The BP-Citi MasterCard has a $89 Annual Fee.
With the HSBC Credit Card you get a 17.99% pa Interest Rate.
With the HSBC Credit Card you get a Balance Transfer Rate of 0% pa for 6 months.
With the HSBC Credit Card you get a 21.99% pa Cash Advance Rate.
With the HSBC Credit Card you get up to 55 Interest Free days.
The HSBC Credit Card has a $0 Annual Fee.
With the HSBC Platinum Qantas Credit Card you get a 20.99% pa Interest Rate.
With the HSBC Platinum Qantas Credit Card you get a Balance Transfer Rate of 0% pa for 6 months.
With the HSBC Platinum Qantas Credit Card you get a 21.99% pa Cash Advance Rate.
With the HSBC Platinum Qantas Credit Card you get up to 55 Interest Free days.
The HSBC Platinum Qantas Credit Card has a $199 Annual Fee.
With the ANZ Low Rate MasterCard you get an Introductory Interest Rate of 0% pa for 3 months then 13.39% pa thereafter.
With the ANZ Low Rate MasterCard you get a Balance Transfer Rate of 0% pa for 3 months.
With the ANZ Low Rate MasterCard you get a 21.49% pa Cash Advance Rate.
With the ANZ Low Rate MasterCard you get up to 55 Interest Free days.
The ANZ Low Rate MasterCard has a $58 Annual Fee.
With the St.George Amplify Rewards Card you get a 18.74% pa Interest Rate.
With the St.George Amplify Rewards Card you get a Balance Transfer Rate of 0.99% pa for 6 months.
With the St.George Amplify Rewards Card you get a 20.74% pa Cash Advance Rate.
With the St.George Amplify Rewards Card you get up to 55 Interest Free days.
The St.George Amplify Rewards Card has a $79 Annual Fee.
With the Westpac Earth Card you get a 19.99% pa Interest Rate.
With the Westpac Earth Card you get a Balance Transfer Rate of 0.99% pa for 6 months.
With the Westpac Earth Card you get a 21.49% pa Cash Advance Rate.
With the Westpac Earth Card you get up to 45 Interest Free days.
The Westpac Earth Card has a $75 Annual Fee.
With the Westpac Earth Gold Card you get a 19.99% pa Interest Rate.
With the Westpac Earth Gold Card you get a Balance Transfer Rate of 0.99% pa for 6 months.
With the Westpac Earth Gold Card you get a 21.49% pa Cash Advance Rate.
With the Westpac Earth Gold Card you get up to 45 Interest Free days.
The Westpac Earth Gold Card has a $125 Annual Fee.
With the Westpac Singapore Airlines Gold Card you get a 19.49% pa Interest Rate.
With the Westpac Singapore Airlines Gold Card you get a Balance Transfer Rate of 0.99% pa for 6 months.
With the Westpac Singapore Airlines Gold Card you get a 20.74% pa Cash Advance Rate.
With the Westpac Singapore Airlines Gold Card you get up to 45 Interest Free days.
The Westpac Singapore Airlines Gold Card has a $125 Annual Fee.
With the Westpac Singapore Airlines Platinum Card you get a 19.49% pa Interest Rate.
With the Westpac Singapore Airlines Platinum Card you get a Balance Transfer Rate of 0.99% pa for 6 months.
With the Westpac Singapore Airlines Platinum Card you get a 20.74% pa Cash Advance Rate.
With the Westpac Singapore Airlines Platinum Card you get up to 45 Interest Free days.
The Westpac Singapore Airlines Platinum Card has a $250 Annual Fee.
With the Citibank Rewards Credit Card Platinum you get a 20.99% pa Interest Rate.
With the Citibank Rewards Credit Card Platinum you get a Balance Transfer Rate of 1.90% pa for 15 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the Citibank Rewards Credit Card Platinum you get a 21.74% pa Cash Advance Rate.
With the Citibank Rewards Credit Card Platinum you get up to 55 Interest Free days.
The Citibank Rewards Credit Card Platinum has a $199 Annual Fee.
With the Citibank Rewards Credit Card Signature you get a 20.99% pa Interest Rate.
With the Citibank Rewards Credit Card Signature you get a Balance Transfer Rate of 1.90% pa for 15 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the Citibank Rewards Credit Card Signature you get a 21.74% pa Cash Advance Rate.
With the Citibank Rewards Credit Card Signature you get up to 55 Interest Free days.
The Citibank Rewards Credit Card Signature has a $395 Annual Fee.
With the BoQ Platinum Card you get a 20.74% pa Interest Rate.
With the BoQ Platinum Card you get a Balance Transfer Rate of 1.90% pa for 6 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the BoQ Platinum Card you get a 21.74% pa Cash Advance Rate.
With the BoQ Platinum Card you get up to 55 Interest Free days.
The BoQ Platinum Card has a $99 Annual Fee.
With the Virgin High Flyer Credit Card you get a 20.99% pa Interest Rate.
With the Virgin High Flyer Credit Card you get a Balance Transfer Rate of 1.90% pa for 6 months.
With the Virgin High Flyer Credit Card you get a 20.99% pa Cash Advance Rate.
With the Virgin High Flyer Credit Card you get up to 44 Interest Free days.
The Virgin High Flyer Credit Card has a $249 Annual Fee.
With the St.George Gold Low Rate Credit Card you get an Introductory Interest Rate of 1.99% pa for 9 months then 15.99% pa thereafter.
With the St.George Gold Low Rate Credit Card you get a Balance Transfer Rate of 1.99% pa for 9 months.
With the St.George Gold Low Rate Credit Card you get a 20.24% pa Cash Advance Rate.
With the St.George Gold Low Rate Credit Card you get up to 55 Interest Free days.
The St.George Gold Low Rate Credit Card has a $79 Annual Fee.
With the Virgin No Annual Fee Credit Card you get a 18.99% pa Interest Rate.
With the Virgin No Annual Fee Credit Card you get a Balance Transfer Rate of 2.90% pa for 6 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the Virgin No Annual Fee Credit Card you get a 20.99% pa Cash Advance Rate.
With the Virgin No Annual Fee Credit Card you get up to 44 Interest Free days.
The Virgin No Annual Fee Credit Card has a $0 Annual Fee.
With the St.George Platinum Visa Card you get a 15.99% pa Interest Rate.
With the St.George Platinum Visa Card you get a Balance Transfer Rate of 3.99% pa for 6 months.
With the St.George Platinum Visa Card you get a 21.49% pa Cash Advance Rate.
With the St.George Platinum Visa Card you get up to 55 Interest Free days.
The St.George Platinum Visa Card has a $89 Annual Fee.
With the Westpac 55 Day Credit Card you get an Introductory Interest Rate of 0% pa for 5 months then 19.59% pa thereafter.
With the Westpac 55 Day Credit Card you get a Balance Transfer Rate of 3.99% pa for 6 months.
With the Westpac 55 Day Credit Card you get a 21.49% pa Cash Advance Rate.
With the Westpac 55 Day Credit Card you get up to 55 Interest Free days.
The Westpac 55 Day Credit Card has an Introductory Annual Fee of $0 for the 1st year then $30 thereafter.
With the Westpac 55 Day Gold Card you get a 19.59% pa Interest Rate.
With the Westpac 55 Day Gold Card you get a Balance Transfer Rate of 3.99% pa for 6 months.
With the Westpac 55 Day Gold Card you get a 21.49% pa Cash Advance Rate.
With the Westpac 55 Day Gold Card you get up to 55 Interest Free days.
The Westpac 55 Day Gold Card has an Introductory Annual Fee of $0 for the 1st year then $90 thereafter.
With the Westpac 55 Day Platinum Card you get an Introductory Interest Rate of 1.90% pa for 12 months then 19.59% pa thereafter.
With the Westpac 55 Day Platinum Card you get a Balance Transfer Rate of 3.99% pa for 6 months.
With the Westpac 55 Day Platinum Card you get a 21.49% pa Cash Advance Rate.
With the Westpac 55 Day Platinum Card you get up to 55 Interest Free days.
The Westpac 55 Day Platinum Card has an Introductory Annual Fee of $0 for the 1st year then $130 thereafter.
With the Westpac Altitude Card you get a 19.99% pa Interest Rate.
With the Westpac Altitude Card you get a Balance Transfer Rate of 3.99% pa for 6 months.
With the Westpac Altitude Card you get a 21.59% pa Cash Advance Rate.
With the Westpac Altitude Card you get up to 45 Interest Free days.
The Westpac Altitude Card has a $100 Annual Fee.
With the Westpac Altitude Gold Card you get a 19.99% pa Interest Rate.
With the Westpac Altitude Gold Card you get a Balance Transfer Rate of 3.99% pa for 6 months.
With the Westpac Altitude Gold Card you get a 21.59% pa Cash Advance Rate.
With the Westpac Altitude Gold Card you get up to 45 Interest Free days.
The Westpac Altitude Gold Card has a $150 Annual Fee.
With the Westpac Altitude Platinum Card you get a 19.99% pa Interest Rate.
With the Westpac Altitude Platinum Card you get a Balance Transfer Rate of 3.99% pa for 6 months.
With the Westpac Altitude Platinum Card you get a 21.59% pa Cash Advance Rate.
With the Westpac Altitude Platinum Card you get up to 45 Interest Free days.
The Westpac Altitude Platinum Card has a $295 Annual Fee.
With the Citibank Select Credit Card you get a 20.74% pa Interest Rate.
With the Citibank Select Credit Card you get a Balance Transfer Rate of 4.90% pa for 6 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the Citibank Select Credit Card you get a 21.24% pa Cash Advance Rate.
With the Citibank Select Credit Card you get up to 55 Interest Free days.
The Citibank Select Credit Card has a $700 Annual Fee.
With the Bankwest Breeze MasterCard you get a 10.99% pa Interest Rate.
With the Bankwest Breeze MasterCard you get a Balance Transfer Rate of 4.99% pa for 12 months.
With the Bankwest Breeze MasterCard you get a 21.99% pa Cash Advance Rate.
With the Bankwest Breeze MasterCard you get up to 55 Interest Free days.
The Bankwest Breeze MasterCard has a $49 Annual Fee.
With the Bankwest Breeze Platinum MasterCard you get a 10.99% pa Interest Rate.
With the Bankwest Breeze Platinum MasterCard you get a Balance Transfer Rate of 4.99% pa for 12 months.
With the Bankwest Breeze Platinum MasterCard you get a 21.99% pa Cash Advance Rate.
With the Bankwest Breeze Platinum MasterCard you get up to 55 Interest Free days.
The Bankwest Breeze Platinum MasterCard has a $99 Annual Fee.
With the Bankwest More Gold MasterCard you get a 19.24% pa Interest Rate.
With the Bankwest More Gold MasterCard you get a Balance Transfer Rate of 4.99% pa for 12 months.
With the Bankwest More Gold MasterCard you get a 21.99% pa Cash Advance Rate.
With the Bankwest More Gold MasterCard you get up to 55 Interest Free days.
The Bankwest More Gold MasterCard has a $120 Annual Fee.
With the Bankwest More MasterCard you get a 19.24% pa Interest Rate.
With the Bankwest More MasterCard you get a Balance Transfer Rate of 4.99% pa for 12 months.
With the Bankwest More MasterCard you get a 21.99% pa Cash Advance Rate.
With the Bankwest More MasterCard you get up to 55 Interest Free days.
The Bankwest More MasterCard has a $89 Annual Fee.
With the Bankwest More Platinum MasterCard you get a 18.99% pa Interest Rate.
With the Bankwest More Platinum MasterCard you get a Balance Transfer Rate of 4.99% pa for 12 months.
With the Bankwest More Platinum MasterCard you get a 21.99% pa Cash Advance Rate.
With the Bankwest More Platinum MasterCard you get up to 55 Interest Free days.
The Bankwest More Platinum MasterCard has a $190 Annual Fee.
With the Bankwest Zero Gold MasterCard you get an Introductory Interest Rate of 1.00% pa for 6 months then 17.99% pa thereafter.
With the Bankwest Zero Gold MasterCard you get a Balance Transfer Rate of 4.99% pa for 9 months.
With the Bankwest Zero Gold MasterCard you get a 18.99% pa Cash Advance Rate.
With the Bankwest Zero Gold MasterCard you get up to 55 Interest Free days.
The Bankwest Zero Gold MasterCard has a $0 Annual Fee.
With the Bankwest Zero MasterCard you get an Introductory Interest Rate of 1.00% pa for 6 months then 17.99% pa thereafter.
With the Bankwest Zero MasterCard you get a Balance Transfer Rate of 4.99% pa for 9 months.
With the Bankwest Zero MasterCard you get a 18.99% pa Cash Advance Rate.
With the Bankwest Zero MasterCard you get up to 55 Interest Free days.
The Bankwest Zero MasterCard has a $0 Annual Fee.
With the Bankwest Zero Platinum MasterCard you get an Introductory Interest Rate of 1.00% pa for 6 months then 17.99% pa thereafter.
With the Bankwest Zero Platinum MasterCard you get a Balance Transfer Rate of 4.99% pa for 9 months.
With the Bankwest Zero Platinum MasterCard you get a 18.99% pa Cash Advance Rate.
With the Bankwest Zero Platinum MasterCard you get up to 55 Interest Free days.
The Bankwest Zero Platinum MasterCard has a $0 Annual Fee.
With the Citi Clear Credit Card you get a 15.99% pa Interest Rate.
With the Citi Clear Credit Card you get a Balance Transfer Rate of 6.90% pa for 6 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the Citi Clear Credit Card you get a 21.74% pa Cash Advance Rate.
With the Citi Clear Credit Card you get up to 55 Interest Free days.
The Citi Clear Credit Card has a $65 Annual Fee.
With the Citibank Rewards Credit Card Classic you get a 20.99% pa Interest Rate.
With the Citibank Rewards Credit Card Classic you get a Balance Transfer Rate of 6.90% pa for 6 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the Citibank Rewards Credit Card Classic you get a 21.74% pa Cash Advance Rate.
With the Citibank Rewards Credit Card Classic you get up to 55 Interest Free days.
The Citibank Rewards Credit Card Classic has a $89 Annual Fee.
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Do you meet the '' minimum requirements?
- an Australian resident or citizen
- at least years of age
- have a taxable income of at least per year
- have a good credit rating
Please have your personal documents ready to complete the online application!
These minimum requirements are intended as a guide only. Your application may still be rejected by the card issuer even if you can answer 'Yes' to all of these requirements. The final decision regarding your application is solely up to the card issuer.
