Compare balance transfer credit cards

With over 190 credit cards on the market, how do you choose the best one? Check out the popular credit card table below for some of the latest credit card deals or try one of our free credit card tools to help you compare rewards, fees, interest rates and balance transfer offers.

Credit card comparisons Rates updated daily

  • American Express Essential Credit Card

    American Express Essential Credit Card

    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee

    balance transfer rate

    0% for 12 months

    annual fees

    $0

    purchase rate

    14.99%

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    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee
    Product info
    • Balance transfer rate: 0% for 12 months
    • Annual fees: $0
    • Purchase rate: 14.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
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  • Bank of Melbourne Vertigo Platinum

    Bank of Melbourne Vertigo Platinum

    • 0% p.a. on balance transfers for the first 20 months
    • 0.99% p.a on purchases for the first 4 months
    • $99 annual fee

    balance transfer rate

    0% for 20 months

    annual fees

    $99 $0 in the first year for existing Bank of Melbourne customers

    purchase rate

    0.99% for 4 months then 12.74%

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    • 0% p.a. on balance transfers for the first 20 months
    • 0.99% p.a on purchases for the first 4 months
    • $99 annual fee
    Product info
    • Balance transfer rate: 0% for 20 months
    • Annual fees: $99 $0 in the first year for existing Bank of Melbourne customers
    • Purchase rate: 0.99% for 4 months then 12.74%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
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  • American Express Platinum Edge Credit Card

    American Express Platinum Edge Credit Card

    • $195 annual fee
    • Complimentary domestic economy return flight
    • Up to 3 points per dollar spent on eligible purchases

    balance transfer rate

    0% for 12 months (1.00% balance transfer fee)

    annual fees

    $195 $0 in the first 1 year

    purchase rate

    20.74%

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    • $195 annual fee
    • Complimentary domestic economy return flight
    • Up to 3 points per dollar spent on eligible purchases
    Product info
    • Balance transfer rate: 0% for 12 months (1.00% balance transfer fee)
    • Annual fees: $195 $0 in the first 1 year
    • Purchase rate: 20.74%
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
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  • Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    • 0% p.a. on balance transfers for 14 months
    • Earn 10,000 bonus Velocity Points when you spend $5,000 or more on retail purchases within the first 3 months
    • Half annual fee in the first year, a saving of $65

    balance transfer rate

    0% for 14 months and then 20.99%

    annual fees

    $129 $64 in the first 1 year

    purchase rate

    20.74%

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    • 0% p.a. on balance transfers for 14 months
    • Earn 10,000 bonus Velocity Points when you spend $5,000 or more on retail purchases within the first 3 months
    • Half annual fee in the first year, a saving of $65
    Product info
    • Balance transfer rate: 0% for 14 months and then 20.99%
    • Annual fees: $129 $64 in the first 1 year
    • Purchase rate: 20.74%
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99%
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description: Points are credited to the Velocity Frequent Flyer program.
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  • American Express Velocity Platinum Card

    American Express Velocity Platinum Card

    • 0% p.a. on balance transfers for the first 12 months
    • Earn up to 3 points per dollar spent on eligible purchases
    • Earn up to 50,000 bonus Velocity Points

    balance transfer rate

    0% for 12 months (1.00% balance transfer fee)

    annual fees

    $349

    purchase rate

    20.74%

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    • 0% p.a. on balance transfers for the first 12 months
    • Earn up to 3 points per dollar spent on eligible purchases
    • Earn up to 50,000 bonus Velocity Points
    Product info
    • Balance transfer rate: 0% for 12 months (1.00% balance transfer fee)
    • Annual fees: $349
    • Purchase rate: 20.74%
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points automatically transferred to your Velocity account
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  • St.George Vertigo

    St.George Vertigo

    • 0% p.a. on balance transfers for the first 18 months
    • 0.99% p.a. on purchases for the first 4 months
    • Up to 55 interest free days on purchases

    balance transfer rate

    0% for 18 months

    annual fees

    $55 $0 in the first year for existing St.George customers

    purchase rate

    0.99% for 4 months then 13.24%

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    • 0% p.a. on balance transfers for the first 18 months
    • 0.99% p.a. on purchases for the first 4 months
    • Up to 55 interest free days on purchases
    Product info
    • Balance transfer rate: 0% for 18 months
    • Annual fees: $55 $0 in the first year for existing St.George customers
    • Purchase rate: 0.99% for 4 months then 13.24%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
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  • NAB Low Rate Card

    NAB Low Rate Card

    • Our lowest ongoing rate on everyday purchases
    • 0% p.a on balance transfers for 15 months (2% balance transfer fee)
    • Secure online application. Get a response in 60 seconds.

    balance transfer rate

    0% for 15 months (2.00% balance transfer fee)

    annual fees

    $59

    purchase rate

    0% for 15 months then 13.99%

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    • Our lowest ongoing rate on everyday purchases
    • 0% p.a on balance transfers for 15 months (2% balance transfer fee)
    • Secure online application. Get a response in 60 seconds.
    Product info
    • Balance transfer rate: 0% for 15 months (2.00% balance transfer fee)
    • Annual fees: $59
    • Purchase rate: 0% for 15 months then 13.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
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  • American Express Velocity Escape Card

    American Express Velocity Escape Card

    • 0% p.a. on balance transfers for the first 12 months
    • No annual fee
    • Earn up to 7,500 bonus Velocity Points, limited time only

    balance transfer rate

    0% for 12 months (1.00% balance transfer fee)

    annual fees

    $0

    purchase rate

    20.74%

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    • 0% p.a. on balance transfers for the first 12 months
    • No annual fee
    • Earn up to 7,500 bonus Velocity Points, limited time only
    Product info
    • Balance transfer rate: 0% for 12 months (1.00% balance transfer fee)
    • Annual fees: $0
    • Purchase rate: 20.74%
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points automatically transferred to your Velocity account
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  • ANZ Low Rate

    ANZ Low Rate

    • 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
    • Low ongoing interest rate of 13.49% p.a. on purchases
    • Up to 55 days interest free on purchases

    balance transfer rate

    0% for 18 months (3.00% balance transfer fee)

    annual fees

    $58

    purchase rate

    13.49%

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    • 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
    • Low ongoing interest rate of 13.49% p.a. on purchases
    • Up to 55 days interest free on purchases
    Product info
    • Balance transfer rate: 0% for 18 months (3.00% balance transfer fee)
    • Annual fees: $58
    • Purchase rate: 13.49%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 2%
    • Rewards description:
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  • NAB Premium Card

    NAB Premium Card

    • 0% p.a. on purchases for 15 months
    • 0%p.a. on balance transfer for 15 months (2% balance transfer fee)
    • Platinum Concierge Service

    balance transfer rate

    0% for 15 months (2.00% balance transfer fee)

    annual fees

    $90

    purchase rate

    0% for 15 months then 19.74%

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    • 0% p.a. on purchases for 15 months
    • 0%p.a. on balance transfer for 15 months (2% balance transfer fee)
    • Platinum Concierge Service
    Product info
    • Balance transfer rate: 0% for 15 months (2.00% balance transfer fee)
    • Annual fees: $90
    • Purchase rate: 0% for 15 months then 19.74%
    • Interest free days: 44
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
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  • American Express Qantas Premium Card

    American Express Qantas Premium Card

    • Earn up to 2 bonus points per dollar spent on eligible purchases
    • Receive up to 30,000 extra Qantas Points
    • Enjoy 2 Qantas Club Lounge invitations every year

    balance transfer rate

    0% for 12 months (1.00% balance transfer fee)

    annual fees

    $249

    purchase rate

    20.74%

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    • Earn up to 2 bonus points per dollar spent on eligible purchases
    • Receive up to 30,000 extra Qantas Points
    • Enjoy 2 Qantas Club Lounge invitations every year
    Product info
    • Balance transfer rate: 0% for 12 months (1.00% balance transfer fee)
    • Annual fees: $249
    • Purchase rate: 20.74%
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
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  • Bankwest Breeze MasterCard

    Bankwest Breeze MasterCard

    • Limited time cashback promotion. T&Cs apply.
    • Low ongoing purchase rate of 12.99% p.a
    • Up to 3 additional cardholders at no additional cost

    balance transfer rate

    2.99% for 9 months

    annual fees

    $59

    purchase rate

    12.99%

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    • Limited time cashback promotion. T&Cs apply.
    • Low ongoing purchase rate of 12.99% p.a
    • Up to 3 additional cardholders at no additional cost
    Product info
    • Balance transfer rate: 2.99% for 9 months
    • Annual fees: $59
    • Purchase rate: 12.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99%
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
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  • ANZ Low Rate Platinum

    ANZ Low Rate Platinum

    • 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
    • Ongoing interest rate of 13.49% p.a. on purchases
    • Enjoy complimentary overseas travel and medical insurance

    balance transfer rate

    0% for 18 months (3.00% balance transfer fee)

    annual fees

    $99

    purchase rate

    13.49%

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    • 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
    • Ongoing interest rate of 13.49% p.a. on purchases
    • Enjoy complimentary overseas travel and medical insurance
    Product info
    • Balance transfer rate: 0% for 18 months (3.00% balance transfer fee)
    • Annual fees: $99
    • Purchase rate: 13.49%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74%
    • Fee for cash withdrawals: 2%
    • Rewards description:
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  • ANZ First

    ANZ First

    • 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
    • Enjoy the convenience of Visa payWave
    • Up to 44 days interest free on purchases

    balance transfer rate

    0% for 18 months (3.00% balance transfer fee)

    annual fees

    $30

    purchase rate

    19.74%

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    • 0% p.a. first 18 months on balance transfers, plus 3% Balance Transfer fee*
    • Enjoy the convenience of Visa payWave
    • Up to 44 days interest free on purchases
    Product info
    • Balance transfer rate: 0% for 18 months (3.00% balance transfer fee)
    • Annual fees: $30
    • Purchase rate: 19.74%
    • Interest free days: 44
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%
    • Rewards description:
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  • American Express Qantas Discovery Card

    American Express Qantas Discovery Card

    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 12 months
    • Receive up to 7,500 Qantas Points

    balance transfer rate

    0% for 12 months (1.00% balance transfer fee)

    annual fees

    $0

    purchase rate

    20.74%

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    More info

    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 12 months
    • Receive up to 7,500 Qantas Points
    Product info
    • Balance transfer rate: 0% for 12 months (1.00% balance transfer fee)
    • Annual fees: $0
    • Purchase rate: 20.74%
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Need more information?
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  • HSBC Platinum Credit Card

    HSBC Platinum Credit Card

    • Offer available to new customers who apply by 30th June 2016
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases
    • 0% p.a. on balance transfers for 15 months. Conditions apply

    balance transfer rate

    0% for 15 months and then 21.99%

    annual fees

    $149 Refunded when you spend over $6,000 p.a

    purchase rate

    19.99%

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    • Offer available to new customers who apply by 30th June 2016
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases
    • 0% p.a. on balance transfers for 15 months. Conditions apply
    Product info
    • Balance transfer rate: 0% for 15 months and then 21.99%
    • Annual fees: $149 Refunded when you spend over $6,000 p.a
    • Purchase rate: 19.99%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99%
    • Fee for cash withdrawals: 3%, min $4.00
    • Rewards description: Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
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  • Coles No Annual Fee MasterCard

    Coles No Annual Fee MasterCard

    • $100 off a single Coles supermarket shop
    • Apply and be approved by 31 May 2016, and make a purchase in the first 30 days*
    • Available on the Coles Rewards MasterCard and Coles No Annual Fee MasterCard

    balance transfer rate

    0% for 6 months

    annual fees

    $0

    purchase rate

    19.99%

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    • $100 off a single Coles supermarket shop
    • Apply and be approved by 31 May 2016, and make a purchase in the first 30 days*
    • Available on the Coles Rewards MasterCard and Coles No Annual Fee MasterCard
    Product info
    • Balance transfer rate: 0% for 6 months
    • Annual fees: $0
    • Purchase rate: 19.99%
    • Interest free days: 62
    • Interest rate on cash withdrawals: 19.99%
    • Fee for cash withdrawals: 3%, Min $1.95
    • Rewards description: Earn 1 flybuys point for every $2 you spend.
    Need more information?
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  • Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate Offer

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 12 months
    • Enjoy an exclusive annual flight benefit. Conditions apply

    balance transfer rate

    0% for 6 months and then 20.99%

    annual fees

    $129

    purchase rate

    0% for 12 months then 20.74%

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    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 12 months
    • Enjoy an exclusive annual flight benefit. Conditions apply
    Product info
    • Balance transfer rate: 0% for 6 months and then 20.99%
    • Annual fees: $129
    • Purchase rate: 0% for 12 months then 20.74%
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99%
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description: Points are credited to the Velocity Frequent Flyer program.
    Need more information?
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