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 (1.00% balance transfer fee)

    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 (1.00% balance transfer fee)
    • 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
    • 1.0% p.a on purchases for the first 12 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

    1.00% for 12 months then 12.74%

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    • 0% p.a. on balance transfers for the first 20 months
    • 1.0% p.a on purchases for the first 12 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: 1.00% for 12 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 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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    • 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.
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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 18 months
    • Earn 2 bonus Velocity Points on top of standard earn rates in first 3 months
    • Half annual fee in the first year, a saving of $65

    balance transfer rate

    0% for 18 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 18 months
    • Earn 2 bonus Velocity Points on top of standard earn rates in first 3 months
    • Half annual fee in the first year, a saving of $65
    Product info
    • Balance transfer rate: 0% for 18 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 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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  • NAB Low Rate Card

    NAB Low Rate Card

    • 0% p.a on purchases for 15 months
    • 0% p.a on balance transfers for 15 months (one off 2% BT fee)
    • Secure online application and fast response

    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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    • 0% p.a on purchases for 15 months
    • 0% p.a on balance transfers for 15 months (one off 2% BT fee)
    • Secure online application and fast response
    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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  • Westpac Low Rate

    Westpac Low Rate

    • 0% p.a on balance transfers for the first 18 months
    • 1.0% p.a purchase rate for 12 months
    • Bank on-the-go with Westpac Mobile Banking

    balance transfer rate

    0% for 18 months

    annual fees

    $59 $0 in the first year for existing Westpac customers

    purchase rate

    1.00% for 12 months then 13.49%

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    • 0% p.a on balance transfers for the first 18 months
    • 1.0% p.a purchase rate for 12 months
    • Bank on-the-go with Westpac Mobile Banking
    Product info
    • Balance transfer rate: 0% for 18 months
    • Annual fees: $59 $0 in the first year for existing Westpac customers
    • Purchase rate: 1.00% for 12 months then 13.49%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49%
    • Fee for cash withdrawals: 2%, Min $2.50, Max $150
    • Rewards description:
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  • St.George Vertigo

    St.George Vertigo

    • 0% p.a. on balance transfers for the first 18 months
    • 1.0% p.a. on purchases for the first 12 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

    1.00% for 12 months then 13.24%

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    • 0% p.a. on balance transfers for the first 18 months
    • 1.0% p.a. on purchases for the first 12 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: 1.00% for 12 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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  • 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

    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
    • 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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  • NAB Premium Card

    NAB Premium Card

    • 0% p.a. on purchases for 15 months
    • 0%p.a. on balance transfer for 15 months (one off 2% BT fee)
    • Secure online application and fast response

    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 (one off 2% BT fee)
    • Secure online application and fast response
    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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  • Westpac 55 Day Card

    Westpac 55 Day Card

    • No annual fee in the first year
    • 0% p.a. on balance transfers for 16 months
    • Up to 55 interest-free days on purchases

    balance transfer rate

    0% for 16 months

    annual fees

    $30 $0 when you spend over $5,000 p.a, $0 in the first 1 year

    purchase rate

    1.00% for 12 months then 19.84%

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    • No annual fee in the first year
    • 0% p.a. on balance transfers for 16 months
    • Up to 55 interest-free days on purchases
    Product info
    • Balance transfer rate: 0% for 16 months
    • Annual fees: $30 $0 when you spend over $5,000 p.a, $0 in the first 1 year
    • Purchase rate: 1.00% for 12 months then 19.84%
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.29%
    • Fee for cash withdrawals: 2%, Min $2.50, Max $150
    • Rewards description:
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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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  • 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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  • NAB Low Fee Card

    NAB Low Fee Card

    • 0%p.a. on purchases for 15 months
    • 0% p.a on balance transfers for 15 months (one off 2% BT fee)
    • Secure online application and fast response

    balance transfer rate

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

    annual fees

    $30

    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 transfers for 15 months (one off 2% BT fee)
    • Secure online application and fast response
    Product info
    • Balance transfer rate: 0% for 15 months (2.00% balance transfer fee)
    • Annual fees: $30
    • 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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  • HSBC Platinum Credit Card

    HSBC Platinum Credit Card

    • Offer available to new customers who apply by 31st August 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 31st August 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.
    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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