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Balance Transfer Credit Cards with Instant Approval
Compare 27 balance transfer credit cards with instant approval from 7 banks. Review your choices then apply online.
It’s now possible to get an instant decision on approval when you apply for a balance transfer card online. While the choice of balance transfer credit cards with instant approval is smaller than the whole range of balance transfer offers, those that are available will let you know if your application has been approved with a decision within seconds. So if you want to transfer a balance fast, this is where it’s at!
Refine your choices
| Credit Card Offer | Purchase Rate (p.a.) | Balance Transfer (p.a.) | Annual Fee | Apply now | |||
|---|---|---|---|---|---|---|---|
| rate | period | ||||||
 | Westpac 55 Day Platinum Credit Card $0 Annual Fee 1st year. 1.9% pa. for 12 months on purchases. Apply before 2nd July 2012. | 1.9% for 12 months then 19.59% | 3.99% | 6 months | $0 | Featured Cardmore info | |
 | Bankwest Breeze MasterCard Low ongoing interest credit card & cheap annual fee. 0% on purchases for 6 months until 31 May 2012. | 0% for 6 months then 10.99% | 4.99% | 9 months | $49 | Editor's Choicemore info | |
 | ANZ Platinum Credit Card Platinum rewards. 0% balance transfers & purchases for 6 months. Apply before 12 June 2012 | 0% for 6 months then 19.39% | 0% | 6 months | $0 | Editor's Choicemore info | |
 | Westpac 55 Day Credit Card No frills cheap credit card from Westpac. 60 second online response. | 0% for 5 months then 19.59% | 3.99% | 6 months | $0 | Editor's Choicemore info | |
 | ANZ Low Rate MasterCard Low interest rate card. Fast 60 second approval. Apply before 12-06-12 | 0% for 3 months then 13.39% | 0% | 3 months | $58 | ||
 | Bank of Melbourne Vertigo MasterCard Low balance transfer rate for 6 months! Low interest rate on spending. | 13.24% | 0.99% | 6 months | $55 | ||
 | BP-Citibank Credit Card How about 10% cash back on petrol at BP? And 0.5% cash back on everything else. | 20.89% | 0% | 6 months | $89 | ||
 | NAB Gold Credit Card Low 1% balance transfer rate for 12 months. Fast 60 second approval. Apply by 30th June 2012 | 19.49% | 1.00% | 12 months | $90 | ||
 | NAB Low Fee Credit Card Low balance transfer rate for 6 months. Fast 60 second approval. Apply by 30th June 2012 | 19.49% | 1.00% | 6 months | $30 | ||
 | NAB Low Rate Visa Credit Card Very cheap purchase rate & cheap balance transfers for 6 months. Fast 60 second approval. | 12.99% | 4.99% | 6 months | $59 | ||
Info on Instant Approval Balance Transfer Credit Cards
In our fast-paced world, waiting to find out if your application for a new balance transfer card has been successful or not isn’t enough. When you file your application, you want to know whether you’ve been approved or not instantly!
Helpful Q&A for Choosing an Offer
Q: How quickly is the decision? Is it really instant? A: Technically a decision isn’t made instantly, but you’ll know if your application has been successful usually within a minute. That may not be instant, but it’s certainly very fast!
Q: If decisions are made instantly, should I apply for more than one? A: Resist the temptation to apply for more than one balance transfer card within short succession, especially if you’ve just been declined. Your credit score can be damaged if you make multiple applications in a short period of time, and if one of them is declined, then your credit score will be negatively affected and the likelihood of your other applications to be approved will drop.
Q: Who are instant decision balance transfers best suited for? A: These types of offers are available to anyone who meets the bank’s eligibility criteria. However, if you have just realised that your existing card’s interest rate has just reverted to the higher standard rate of interest, then an instant decision will mean you don’t have to wait around to find out if you can transfer your balance to a cheaper card. Also, if you have decided to get out of debt now and are serious about paying off what’s outstanding, then it’s in your benefit to move the debt quickly to avoid paying a high rate of interest.
Q: How long will it take for the balance to actually transfer? A: Remember that all you are getting at this stage is a decision on whether or not your application has been successful. The actual process of transferring your outstanding balance or consolidating multiple balances to your new card may take up to two weeks to complete.
Live Stats on Credit Cards for 17/05/2012
- 113credit cards are ready for comparison and secure application
- 17.17%is the average interest rate on purchases
- $95is the average annual fee of any card in the market
- 3.04%is the average balance transfer rate available
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