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Compare Balance Transfer Credit Cards

Recommended Balance Transfer Credit Card:

Citibank Platinum Credit Card

Great Offer > 3.9% p.a. on balance transfer for life.You can transfer non-ciitbank credit cards, personal loans and store cards as well!
Exclusive Offer: 1/2 Price Annual Fee 1st Year, only $125
Personal 24 Hour Concierge Services
Extended Warranty
Up to 55 interest days free on purchases
1 Reward point per $1 spent
Complimentary overseas travel insurance for you and your family.
Personalised rewards program, get what you want.

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

0% Balance Transfer Credit Cards

HSBC Credit Card

$0 annual fee for the lifetime of the card
0% p.a. for 6 months on balance transfer
Bonus $50 credit just for purchasing on your card#
An interest rate for purchases of 16.99% p.a.
Up to 55 days interest-free on purchases
Access to HSBC's home&Away Privilege Program with Instant Rewards in over 40 countries

Citibank Clear Platinum Credit Card

0% p.a. on balance transfer for the first 7 months*
Low 11.49%p.a. on purchases*
$99 annual fee
Complimentary International Travel Insurance
Please note a minimum income of $50,000 a year is required to apply for this card.

ANZ Low Rate MasterCard

0% p.a. on balance transfer for 6 months
Low interest rate of 13.24% p.a. on purchases
21.49% 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

ANZ Balance Credit Card

0% on balance transfer for up to 6 months
Earn 1 Reward Point for every $1 you repay to your balance, includes any balances transferred, interest and fees
Redeem Reward Points for Cashback, Shopping Vouchers and Gift Cards
Points are not capped
Interest rate of 14.24% p.a. on purchases
Annual Fee $79
Up to 55 days interest free credit on purchases

Woolworths Everyday Money Credit Card

$0 annual fee for the first year – Enjoy no annual fee in the first year and only $49 per year after that.
0% p.a. for 6 months on balance transfer
Interest rate of 19.49% p.a. on purchases.
Earn up to 3 reward points per dollar spent
Up to 55 interest free days on purchases

Coles Group Source™ MasterCard®

Regular savings on petrol
No annual fee
Up to 62 days interest free on purchases
0% interest on balance transfer for up to 6 months
Interest rate is 20.24% p.a.
Special shopping offers and events
Earn double FlyBuys points

Balance Transfer for Life

Citibank Platinum Credit Card

3.9% p.a. on the life of balance transfer this includes non-citibank credit card and personal loan debt.
50% off the annual fee for the first year (Save $125)
Up to 55 days interest-free on purchases
Credit limit up to $100,000#
Personal concierge service 24/7
Personalised rewards programǾ
Complimentary international travel insurance^

Suncorp Platinum Rewards Credit Card

3.9% p.a. on balance transfer 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

Bank of Queensland Platinum Credit Card

3.9% p.a. for life on balance transfer
Q Rewards points never expire
Concierge service
International travel insurance*
Purchase Cover Insurance*
Extended warranty
Priority 24-hour customer service

12 Month Balance Transfer Credit Card Offers

Citibank Gold Card

Special Offer: 1.9%p.a. for 12 months on credit card balance transfer
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

Suncorp Standard Visa Credit Card

Low Interest rate of 12.24% p.a.*
1.9% p.a. balance transfer rate for up to 12 months
Annual fee of $39
No interest free days on purchases
Cash advances at 17.99% p.a.

Emirates Citibank Platinum Credit Card

1.9% p.a. balance transfer for 12 months
Earn 3 Skywards Miles per $1 spent (normally 1.5 Miles per $1)
Complimentary lounge access in Australia and Dubai and chauffeur-drive service to and from Australian airports
Competitive annual fee of $229
Free international travel and purchase cover insurance

Balance Transfer Basics

Balance transfer credit cards are great way to reduce credit card debt. They are broken up on this page into 3 different categories: 0% balance transfer, balance transfer for life and 12 month balance transfer.

Balance transfer credit cards are best for someone that currently suffers from credit card debt and wants to significantly reduce credit card interest.

If you suffer from high credit card debt and are unlikely to pay this debt off within a 6 or 12 month period then a "for life" balance transfer is your best bet. Note that these credit cards require an income of over $50,000 and a good credit rating. A for life balance transfer means that any balance you succesfully transfer will stay at the fixed balance transfer rate until it is paid off. This can save people 1000's in interest over the term of the debt.

Find out more about balance transfer credit cards with our 5 part article series:

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.


	Reasonable efforts are made to maintain accurate information. However, information is presented without warranty. When you click on the "apply online" link you will have an opportunity to review the credit card terms and conditions on the credit card issuer's web site.
	Apply online for the best balance transfer credit cards including 0% or 3.9% for life. Balance transfer your credit card debt and save. Why pay more?