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Balance Transfer Credit Cards

Recommended Balance Transfer Credit Card: Suncorp Platinum Credit Card

Suncorp Platinum Credit Card

Great Offer > 3.9% p.a. on balances transferred for life*.
Annual card fee of $205
Up to 55 interest days free on purchases
1 Reward point per $1 spent
Complimentary Overseas Travel Insurance, Extended warranty
Plus loads more benefits, find out more

Important: To apply for this credit card you need to earn a minimum income of $50,000 p.a.

More Balance Transfer Credit Cards including 0% for 6 months

Bankwest Lite Credit Card

9.99%p.a. interest rate- (20.99% p.a. on cash advances)
1.99% p.a. on balance transfers for 12 months
Annual fee of $59
Up to 3 additional cardholders free
Access your account 24/7 via Online Banking
Use your Bankwest Lite MasterCard at over 28 million outlets worldwide.

Coles Group Source™ MasterCard®

0% interest on balance transfers for up to 6 months
No annual fee
Regular savings on petrol
Up to 62 days interest free on purchases
Interest rate is 19.74% p.a.
Special shopping offers and events
Earn double FlyBuys points

Bankwest Zero Platinum Credit Card

Zero Annual Fees!
1.99% p.a. on balance transfers for 12 months
Interest rate of 15.99% p.a. on purchases and cash advances
24/7 concierge service
Built-in airline travel and accident insurance protection wherever you are in the world
Automatic purchase protection on any goods you buy

Aussie MasterCard

2.99% p.a on balance transfers for the 1st 6 months.
2.99% p.a. on purchases for the 1st 6 months.
Reverts to a great low rate on purchases, now just 12.29% p.a.
Low annual account fee of $49

Citibank Clear Platinum Credit Card

0.99% p.a. on balance transfers for the first 6 months*
Low 11.49%p.a. on purchases*
$49 annual fee in the first year (save $50)
Complimentary International Travel Insurance
Please note a minimum income of $50,000 a year is required to apply for this card.

Citibank Platinum Credit Card

4.9% p.a. on the life of balance transfers*
Save $125 off the annual fee for the first year. (Normal annual fee $250)
Credit limit up to $100,000#
Personal concierge service 24/7
Personalised rewards programǾ
Complimentary international travel insurance

St.George Vertigo MasterCard

2.99% on purchases for up to 6 months
Low ongoing purchase rate of 11.99% p.a.*
2.99% balance transfer rate for up to 6 months***
Up to 55 days Interest Free on purchases
Instant discounts and added extras with St.George

Citibank Gold Card

2.9%p.a. for 12 months on balance transfers
Generous credit limit of $25,000
Complimentary Rewards Programme
Complimentary International Travel Insurance
Citibank World Privileges
Up to 55 days interest free on retail purchases

Citibank Silver Credit Card

A low 2.9%p.a. for 12 months on balance transfers†
Generous credit limit of up to $7,500
Silver Rewards Program
Rewards points never expire while the card remains open
Annual fee of $89

Westpac Low Rate MasterCard or Visa Card

1.99% p.a. on balance transfers for up to 9 months.
Interest rate 12.74% pa for purchases
20.74% p.a for cash advances
Annual fee of $45
Up to 55 days interest-free on purchases
Worldwide acceptance

Westpac Altitude Credit Card

Low 1.99% p.a. on balance transfers for up to 9 months.
Receive 5,000 bonus Altitude points when you first use either card for a purchase.
Annual fee $100
Interest rate of 19.14%p.a. on purchases
Up to 45 interest free days on purchases
Altitude rewards program

CUA Rewards Credit Card

2.9% p.a. for 9 months on balance transfers*
Earn 1 Reward Point for every $1 spent on your card†
Points do not expire while account is open.
Up to 55 days interest free on purchases
Annual Fee of $85
Up to 4 free additional cards.
Free International Travel Insurance#

Westpac 55 Day MasterCard or Visa Card

1.99% p.a. for up to 9 months on balance transfers
0% p.a. on purchases for the first 5 months from when your account is opened
Annual fee: $30 (waived for the first year and ongoing when you make purchases of at least $10,000 pa.)
Up to 55 days interest-free on purchases
An interest rate of 18.84% p.a. on purchases

Comparing Balance Transfer Credit Cards

If you carry a balance on your credit card from month to month and are looking for a way to save money on interest payments, you might be interested in balance transfer credit cards. The idea is simple enough. You get an introductory offer with low interest on balance transfers, and that gives you time to pay down your balance while saving money on interest. How can you find the best balance transfer credit card for your needs though?

Common Credit Card Balance Transfer Mistakes (and how to Avoid Them)

Balance transfers can seem like the greatest credit card feature to some consumers. If you don’t like your current credit card terms, you can essentially start over by moving your balance to another credit card issuer. Balance transfers can indeed be a good deal. They can also be used to help you get out of credit card debt through balance transfer debt consolidations. They can also cause problems though, and it’s important that you be aware of common credit card balance transfer mistakes before potentially making them yourself.

How Much of Your Credit Card Balance Should You Pay Off Each Month?

You’ve just financed a $2000 purchase with your credit card. Your bill comes telling you what your minimum payment is for the month (or other statement period). Should you make that minimum payment or should you pay off more of the balance? How do you figure out what to really pay each month?

The answer to that question is pretty simple on the surface: pay as much as possible! Or better yet, pay off the balance in full every month, and don’t use credit cards to finance things you couldn’t afford to buy outright with cash. There. Question answered. Problem solved.

3 Tips for Using Balance Transfers to get out of Credit Card Debt

It might sound counterproductive to apply for a new credit card if you’re trying to get out of credit card debt. However, sometimes it’s a smart move. Credit card companies often allow you to transfer a balance on one card to their own card, and sometimes for discounted interest rates. Basically, by switching credit cards through a balance transfer, you have the power to change the terms of your credit card agreement to something more attractive. The following tips will help you make the most of balance transfers as a tool in paying off your credit card debt.

How Balance Transfers May Hurt Your Credit File

If you owe money to a credit card company, and you’re paying a high interest rate on the balance, a balance transfer to a low rate credit card (like the St. George Vertigo MasterCard) may sound like an appealing solution. In fact, it can be. But those low interest rates (or 0% interest on balance transfers) are usually short-term offers–lasting six months for example.

What’s to stop you from transferring the balance away from that new card as well, as soon as the introductory offer expires? Well, nothing really, unless you abuse the privilege that is. While bouncing your balance from card to card makes sense to you as a consumer, it doesn’t make sense to the credit card companies who fully intend to start earning interest after those first few months.


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