Balance Transfer Credit Cards

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Balance Transfer Credit Cards


Recommended Balance Transfer Credit Card: Suncorp Platinum 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.



Suncorp Platinum Credit Card



     
ANZ Low Rate Credit Card Apply Now
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ANZ Low Rate MasterCard

  • 0% p.a. on balance transfers for 6 months
  • Low interest rate of 12.49% p.a. on purchases
  • 20.74% p.a. on cash advances
  • Up to 55 days interest free credit on purchases
  • Annual fee of $58
  • Up to three additonal cardholders for free
National Low Rate Visa Card Apply Now
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NAB Low Rate Visa Card

  • 0% p.a. on purchases for up to 6 months
  • 4.99% p.a. on balance transfers for up to 6 months
  • Low 12.24% p.a. on purchases
  • Up to 55 days interest free on purchases
  • Cash if you need it at 20.74% p.a.
  • Annual card fee $49
  • An additional cardholder at no extra cost
ANZ Balance Credit Card Apply Now
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ANZ Balance Credit Card

  • 0% on balance transfers for up to 6 months
  • Earn 1 Reward Point for every $1 you repay to your balance, includes any balances transferred, interest and fees
  • Points are not capped
  • Interest rate of 13.49% p.a. on purchases
  • Annual Fee $79
  • Up to 55 days interest free credit on purchases

     
Aussie MasterCard Apply Now
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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

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Citibank Clear Platinum Credit Card

  • 0.99% p.a. on balance transfers for the first 6 months*
  • Low 11.49%p.a. on purchases*
  • $42 annual fee in the first year (save $43)
  • Access to Visa Concierge and a limited edition entertainment experiences through Visa Platinum Privileges
  • Complimentary International Travel Insurance
  • Please note a minimum income of $50,000 a year is required to apply for this card.
Suncorp Platinum Credit Card Apply Now
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Suncorp Platinum Credit Card

  • 3.9% p.a. on balances transferred for life
  • Interest rate 19.99% p.a.* on purchases
  • Annual card fee of $205
  • Up to 55 interest days free on purchases
  • 1 Reward point per $1 spent
  • The option of earning Qantas Frequent Flyer points
  • Free Overseas Travel Insurance

     
BankWest Lite Credit Card Apply Now
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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 55 days interest free credit on purchases
  • Up to 3 additional cardholders free
  • Access your account 24/7 via Online Banking
  • Use your BankWest Lite MasterCard at over 21 million outlets worldwide.
Bankwest Zero Platinum Credit Card Apply Now
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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
  • Up to 55 days interest free on purchases
  • Up to 3 additional cardholders for free
Suncorp Gold Credit Card Apply Now
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Suncorp Gold Credit Card

  • Earn 1 reward point per $1 spent
  • Points that never expire
  • Interest rate 19.25% p.a.* on purchases
  • Annual card fee of $99
  • 1.9% p.a. on balance transfers for 9 months
  • Up to 55 interest free days on purchases
  • The option of earning Qantas Frequent Flyer points
  • Credit limit of up to $25,000
  • Complimentary International Travel Insurance and Purchase Cover

     
St.George Bank Vertigo MasterCard Apply Now
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St.George Vertigo MasterCard

  • 2.99% on purchases for up to 6 months
  • Low ongoing purchase rate of 11.74% 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 Apply Now
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Citibank Gold Card

  • 1.9%p.a. for 9 months on balance transfers
  • Receive 5000 bonus reward points after your first spend on your Citibank Gold Credit Card.
  • 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
CUA Rewards Credit Card Apply Now
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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#

     
Citibank Platinum Credit Card Apply Now
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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
Citibank Silver Credit Card Apply Now
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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
  • Competitive annual fee of $65
ANZ First Visa Credit Card Apply Now
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ANZ First Visa Credit Card

  • SPECIAL OFFER: NO annual account fee for the first 12 months (save $30)
  • 7.99% on balance transfers for up to 6 months
  • Visa card acceptance at over 24 million locations worldwide.
  • Up to 44 days interest free credit on purchases
  • Receive extended warranty insurance and 90-day purchase security insurance.
  • Up to three additonal cardholders for free

     
IMB Rewards Credit Card Apply Now
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IMB 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.
  • Redeem reward points for shopping vouchers, merchandise, hotel stays, petrol vouchers and much more.
  • Up to 55 days interest free on purchases
  • Annual Fee of $99
  • Up to 4 free additional cards.
  • Free International Travel Insurance on Gold#
National Visa Mini Card Apply Now
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NAB Visa Mini Card

  • 5.9% p.a. on balance transfers for up to 6 months
  • Choose between 5 unique metallic colours
  • Annual card fee of only $24
  • Up to $120 cash back to your account every year
  • Up to 55 interest free days on purchases
  • 2 cards with 1 simple account
  • Additional cardholder at no extra cost
Velocity National Credit Card Apply Now
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Velocity NAB Credit Card

  • 3.99% p.a. on balance transfers for up to 6 months
  • Maximise your Velocity Points with a Velocity NAB Credit Card
  • No points cap, exciting range rewards, including Virgin Blue and international flights
  • Interest rate of 19.24% p.a.
  • Up to 44 interest free days on purchases
  • Annual card fee of $65 for Velocity NAB Standard Credit Card, and $150 for Velocity NAB Gold Credit Card
  • Additional cardholder at no extra cost

     
ANZ Gold Visa Credit Card Apply Now
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ANZ Gold Visa Credit Card

  • 7.99% p.a. for the first 6 months on balance transfers
  • Up to 55 days interest free credit on purchases
  • Annual fee of $87
  • Travel Benefits
  • Up to nine additonal cardholders for free
  • Credit limits from $5,000
  • Extended Warranty and 90-Day Purchase Security Insurance#
Citibank BP Credit Card Apply Now
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Citibank BP Credit Card

  • Get 5% off Petrol and everything else at BP
  • BP-Citibank MasterCard gives you automatic savings on everything you buy anywhere. With the BP-Citibank MasterCard the money you save is simply credited to your account.
  • Save Everywhere Else
    0.5% off everything else you buy anywhere
  • 2.9%p.a.* on balance transfers for 12 months

Currently many credit card issuers in Australia are providing special offers on balance transfers. This is to entice customers to move from a competitor to their credit card product. When looking for the right balance transfer credit cards you should also consider all the other features that the card is offering especially what rate the balance will move to after the balance transfer expires.

Please note that you can only balance transfer to a different provider than your current card. As an example, you can move debt from Bankwest to Citibank but you cannot move debt from a current Citibank product to another card that is issued by that same bank. Special balance transfer offers can be a great way to get credit card debt under control while paying 0% to very little interest in the process. Balance transfer offers should be a main focus if you are currently suffering from relatively high credit card debt.



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