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Balance Transfer Credit Cards

If you are currently dealing with a credit card that has a high balance and even higher interest rates, you may want to consider switching to a 0% balance transfer credit card. Credit cards with a 0% balance transfer feature are designed to allow people to transfer over their high balances and enjoy a period of low or 0% interest. This is typically done to take advantage of the lower rates to pay off the balance in a lot less time.

If you would like to apply for a balance transfer credit card, you will need to be aware of a few things. First ask yourself, how long the low interest rate will last? Many banks and credit card lenders offer consumers a 6 month balance transfer period and even can do a cheap balance transfer for 12 months, after which the interest rate will go up to the standard APR. If you are worried that you will not be able to pay off your debt in that amount of time, you should look for other balance transfer cards that offers a longer period of low interest rates.

Second, you will need to find out if there any fees for transferring over your balance. In some cases, these fees can be a high percentage of the amount that you will be transferring. If you have a high amount of debt, this can add up quickly. Lastly, you will also need to be clear on whether or not the low interest rate applies to balance transfers only or new purchases as well. This will help you avoid any confusion and help you select the best balance transfer credit card for your needs.

Other Types Of Balance Transfers
Citibank Clear Platinum Card
Citibank Clear Platinum Card
  • 0% p.a. on balance transfers for 6 months
  • Low $49 annual fee for the first year only, $99 thereafter.
  • All the features of a low rate card with the added benefits of a platinum card, like; entertainment offers, concierge service, retail discounts, and complementary international travel insurance
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% p.a.* Up to 55 days* 11.49% p.a.* $49 for 1st year* 0% p.a. for 6 months*


St George Vertigo MasterCard
St George Vertigo MasterCard
  • A low purchase rate of 12.49%p.a.
  • 2.99% p.a. balance transfer rate for up to 6 months
  • Awarded Australia's Cheapest Balance Transfer Credit Card by Money Magazine 2009
  • Up to 55 interest free days on purchases
  • Low $55 annual fee
  • An additional card for a friend or family member, with all transactions on one statement
  • Linked access to your other St.George accounts, for the ease of one card banking
  • Instant discounts and added extras with St.George Instant Benefits
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 12.49% p.a.* $55* 2.99% p.a. for up to 6 months*


BoQ Platinum Visa Credit Card
BoQ Platinum Visa Credit Card
  • Q Rewards program points allow you to fly any airline any time (Qantas, Jetstar and Virgin Blue).
  • Earn 2 Q Rewards Points for every $1 spent Q Rewards points never expire
  • Concierge service like having your very own personal assistant on hand 24 hours a day.
  • International travel insurance for everything from medical expenses to lost luggage
  • Higher levels of Purchase Cover Insurance on most new items you're covered against loss, theft or damage for three months
  • Extended warranty on purchases made up to one year
  • Priority 24-hour customer service on dedicated Platinum card enquiries line
  • $1,000 daily cash advance limit through ATMs
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
-* Up to 55 days* 20.24% p.a.* $199* 3.9% p.a. for life*


Citibank Clear Card
Citibank Clear Card
  • 0% for 6 months on balance transfers
  • Reverts to 15.49% p.a. ongoing on purchases after a year
  • Access your account anywhere, anytime via Internet and phone banking
  • Up to 55 days interest free on retail purchases
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
11.99% p.a. for 12 months* Up to 55 days* 11.99% p.a.* $65* 0% for 6 months*


Citibank Gold Card
Citibank Gold Card
  • 1.9% p.a. on balance transfers for 12 months
  • Up to 55 days interest free
  • Complementary rewards program
  • Complementary international travel insurance
  • Complementary purchase cover insurance
  • Access to Citibank World Privileges
  • Generous credit limit up to $25,000
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% p.a.* Up to 55 days* 20.74% p.a.* $149* 1.9% for 12 months*


BankWest Lite MasterCard
BankWest Lite MasterCard
  • A low $59 annual fee.
  • Up to 55 days interest free on purchases.
  • Up to 3 additional cardholders - free!
  • 24/7 account access via Bankwest Online Banking.
  • Use your Bankwest Lite MasterCard at over 27 million outlets worldwide.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 days* 10.75% p.a.* $59* 3.99% p.a. for 9 months*


Citibank Platinum Card
Citibank Platinum Card
  • Special internet offer - receive 20,000 points and fly and airline, anytime
  • Credit limit up to $100,000
  • 3.9% p.a. for the life of balance transfers - Transfer your outstanding balances from other credit or store cards and you'll enjoy a low 3.9% p.a. until you have paid off the entire balance
  • 24/7 Personal Concierge Service - Enjoy the privilege and convenience of a personal concierge service to provide you with information and assistance for both business and pleasure. The service is available from anywhere in the world, 24 hours a day 7 days a week
  • Free international travel insurance - Automatically covers you and your family when you buy your travel tickets with your Citibank Platinum Card. Your cover includes medical and unexpected travel expenses, trip cancellation, personal liability and loss of damage to personal items
  • Personalised rewards program - With Citibank Platinum you'll never be limited by a rewards catalogue
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% p.a.* Up to 55 days* 20.74% p.a.* $250* 3.9% p.a. for life*


Commonwealth Bank Low Rate Card
Commonwealth Bank Low Rate Card
  • Low interest rate of just 13.24% p.a. on purchases and 21.49% on cash advances
  • $78 annual fee (or $48 for qualifying customers)
  • Up to 55 days' interest free on all purchases
  • Even lower balance transfer rate of 5.99% p.a. for 5 months
  • Free additional card for a family member or friend
  • No rewards program, just an everyday low rate
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 13.24% p.a.* $78* 5.99%p.a. for 5 months*


St George Platinum Card
St George Platinum Card
  • Low Platinum 15.74% p.a. purchase rate
  • Low $89 Platinum annual fee
  • 3.99% p.a balance transfer rate for up to 6 months
  • Up to 55 interest free days on purchases
  • A full range of complimentary insurances including:
  • Domestic flight inconvenience insurance
  • Overseas travel insurance
  • Transit accident
  • Purchase cover
  • Extended warranty
  • Best price guarantee
  • Personal Concierge Service available 24/7
  • Up to 3 additional cards for your friends or family, with all transactions on one statement
  • Linked access to your other St.George accounts for the ease of one card banking
  • Exclusive Platinum card programs offered by Visa and MasterCard
  • Instant discounts and added extras with St.George Instant Benefits
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 15.74% p.a.* $89* 3.99% p.a for up to 6 months*


Commonwealth Bank Awards Card
Commonwealth Bank Awards Card
  • Earn 1.5 Awards points for every $1 spent with American Express
  • $89 annual fee (or $59 for qualifying customers)
  • Emergency Travel Assistance for Commonwealth Bank American Express Cards
  • globaleshop by American Express lets you shop at any online store in the US that doesn't normally accept your Australian credit card or won't normally deliver to an Australian address
  • American Express Selects
  • Internet fraud loss protection
  • Secure Internet Shopping
  • Enhanced chip protection with your MasterCard card
  • Emergency card replacement and cash advances
  • Access to MasterCard applause
  • MasterCard Global Service
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 20.49% p.a.* $89 * 5.99% p.a. for 5 months*


ANZ First Visa Card
ANZ First Visa Card
  • No annual account fee for the first 12 months
  • 7.99% for first 6 months on balance transfers
  • OR ... 2.9% p.a. for 12 months on balance transfers
  • Interest rate of 18.99% p.a.
  • Up to 44 days interest free credit on purchases
  • Visa acceptance at over 24 million locations worldwide
  • Minimum credit limit of $1,000
  • Design your own card
  • Access to special offers from Visa Entertainment
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 44 Days* 18.99% p.a.* $0 for first year* 7.99% for first 6 months*


Bank SA Vertigo MasterCard
Bank SA Vertigo MasterCard
  • A low purchase rate of 12.49%p.a.
  • 2.99% p.a. balance transfer rate for up to 6 months
  • Awarded Australia's Cheapest Balance Transfer Credit Card by Money Magazine 2009
  • Up to 55 interest free days on purchases
  • Low $55 annual fee
  • An additional card for a friend or family member, with all transactions on one statement
  • Linked access to your other Bank SA accounts, for the ease of one card banking
  • Instant discounts and added extras with Bank SA Instant Benefits
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 Days* 12.49% p.a.* $55* 2.99% p.a. for first 6 months*


ANZ Low Rate MasterCard
ANZ Low Rate MasterCard
  • Get a 60 second response on your online application.
  • Low interest rate of 13.24% p.a. on purchases and 21.49% p.a. on cash advances.
  • 0% p.a. for first 6 months on balance transfers.
  • $58 annual account fee.
  • Up to 55 days interest free credit on purchases.
  • Design your own card with the image of your choice.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 days* 13.24% p.a.* $58* 0% p.a. for 1st 6 months*


Macquarie Visa RateSaver Card
Macquarie Visa RateSaver Card
  • Low interest rate of 13.95% p.a. on purchases and 21.45% p.a. on cash advances
  • 0% p.a. interest on balance transfers for the 4 months
  • Low annual fee of just $50
  • Up to 55 days interest free on purchases
  • Access to Macquarie's research insights and investment opportunities with our eUpdate service
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 days* 13.95% p.a.* $50* 0% p.a. for first 4 months*


ANZ Balance Visa Card
ANZ Balance Visa Card
  • 14.24% p.a. interest rate on purchases
  • 0% p.a. for 1st 6 months on balance transfers
  • 1 reward point for every $1 you repay to your balance
  • $79 annual account fee
  • $22 rewards program fee (per card)
  • $10 additional card holder fee
  • 21.49% interest rate on cash advances
  • Up to 55 days interest free
  • Up to $15,000 credit limit
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 Days* 14.24% p.a.* $79* 0% p.a. for 1st 6 months*


HSBC Credit Card
HSBC Credit Card
  • $0 Annual Fee for the life of the Card
  • 0% p.a. balance transfer for 6 months
  • $50 cash back
  • Low interest rate of just 16.99% p.a. on purchases
  • Interest rate of 20.75% p.a. on cash advances
  • Up to 55 days interest-free period
  • Access to discounts and benefits worldwide with HSBC's home&Away Privilege Program
  • Winner of the Money magazine 2010 "Best Transaction Credit Card" Award
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 days* 16.99% p.a.* $0 for life* 0% p.a.*


St George Amplify Credit Card
St George Amplify Credit Card
  • Choice of two fantastic rewards programs, on one rewards credit card.
  • Amplify Rewards: Earn 2 Amplify point per $1 spent until 30 June 2010.
  • Amplify Qantas: Earn 1 Qantas Frequent Flyer point per $1 spent on purchases until 30 June 2010.
  • No additional fee to link your Amplify Card to either rewards program
  • Up to 55 days interest free on purchases, provided the closing balance is paid in full by the statement due date each month.
  • No points capping
  • Additional card available (where there is a one primary account holder)
  • Accepted at over 29 million locations worldwide, wherever you see the VISA logo.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 Days* 18.49% p.a* $79* 0.99% p.a. for up to 6 months*


IMB Gold Rewards MasterCard
IMB Gold Rewards MasterCard
  • Earn 1 Reward Point for every $1 spent on your card
  • Superior Rewards Program at no additional cost
  • Generous Credit Limits (Up to $25,000)
  • Low Annual Fee
  • Complimentary International Travel Insurance on Gold
  • Complimentary Purchase Cover
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 Days* 19.24% p.a.* $99* 2.9% p.a. for 9 months*


Suncorp Gold Card
Suncorp Gold Card
  • 2.9% p.a. for 12 months on balance transfers.
  • Complimentary Rewards Program with points that never expire and earn 1 Reward point for every $1 spend.
  • The option of earning Qantas Frequent Flyer points.
  • Earn 2 Qantas Frequent Flyer points for every $3 spent.
  • Complimentary International Travel Insurance - The escape to a well deserved break with complimentary International Travel Insurance for you and your immediate family.
  • Complimentary Purchase Cover Insurance for lost, stolen or damaged goods.
  • Generous credit limit of up to $25,000.
  • Special offers through Visa Entertainment, which brings the best entertainment experiences from concerts and cinema to sporting events and travel offers.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 days* 19.75% p.a.* $99* 2.9% p.a. for 12 months*


Suncorp Platinum Card
Suncorp Platinum Card
  • 3.9% p.a. for the life of balances transferred.
  • Enjoy the freedom and luxury of higher levels of credit, exclusive privileges and an extensive choice of rewards.
  • Personal 24 Hour Concierge Services.
  • Complimentary Rewards Program with points that never expire and earn 1 Reward point for every $1 spent.
  • The option of earning Qantas Frequent Flyer points with ability to earn 2 Qantas Frequent Flyer points for every $3 spent.
  • Complimentary International Travel Insurance.
  • Suncorp Take FlightŪ4 and ability to redeem Rewards points for Take FlightŪ Cashback, Travel Vouchers and other nominated travel.
  • Complimentary Transit Accident Insurance5 and Emergency Travel Assistance and Purchase Cover Insurance for lost, stolen or damaged goods.
  • Generous credit limit of up to $30,000.
  • Privileges and special offers with exclusive tickets to theatre, dance, musicals, sporting events, dinner and travel packages, sightseeing tours and more.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 days* 19.99% p.a.* $205* 3.9% p.a. for life of balance*


Commonwealth Bank Low Fee Credit Card
Commonwealth Bank Low Fee Credit Card
  • $24 annual fee for non-Commonwealth bank customers
  • Pay a low 5.99% p.a. in interest for the first 5 months on the balance you bring across
  • Up to 55 days interest-free period
  • 19.99% p.a. on purchases
  • 21.49% p.a. on cash advances
  • Enjoy the convenience of a complimentary additional card for a family member or friend
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 days* 19.99% p.a.* $24* 5.99% p.a. for 5 months*


Macquarie Visa Gold Card
Macquarie Visa Gold Card
  • 1 Reward point per dollar spent, with no expiry
  • Redeem your points for a wide variety of rewards including flights on all major airlines, anywhere, any time (Subject to availability), gift cards, electronics and special experiences.
  • Peace of mind with complimentary international travel insurance, extended warranty, and 90 day purchase protection insurance
  • Financial flexibility with up to 55 days interest free on purchases
  • Access to offers and discounts through Visa Entertainment
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 days* 20.45% p.a.* $100* None*


Suncorp Plus Credit Card
Suncorp Plus Credit Card
  • 2.9% p.a. for 12 months on balances transferred
  • Complimentary Rewards Program
  • Credit limit of up to $7,500
  • Complimentary Purchase Cover Insurance for lost, stolen or damaged goods
  • Competitive annual fees for primary and additional cardholders
  • Privileges and special offers
  • Up to 55 days interest free on retail purchases
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* 55 Days* 19.99% p.a.* $63* 2.9% p.a. for 12 months*


Woolworths Everyday Money Credit Card
Woolworths Everyday Money Credit Card
  • 0% p.a. for 6 months on balance transfers
  • $0 annual fee 1st year, a saving of $49!
  • 1 point per $1 spent on general purchases
  • 2 points per $1 spent within participating Woolworths group stores (shown below)
  • 3 points per $1 spent on Select products purchased in-store at Woolworths Supermarkets & Everyday Mobile products purchased at Woolworths Supermarkets, BIG W, Woolworths liquor and BWS.
  • Every 4 months (with enough points) get a shopping card to spend at Woolworths group stores (shown below).
  • Pay at the pump and get back on the road faster with epump
  • Up to 55 days interest free on purchases.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
-* Up to 55 days* 19.49%* $0* 0% p.a. for 6 months*


BoQ Gold Visa Credit Card
BoQ Gold Visa Credit Card
  • Q Rewards program points allow you to fly all airlines including Virgin Blue, JetStar and Qantas at any time (subject to availability and confirmation).
  • Earn 1.75 Q Rewards Points for every $1 spent. Q Rewards points never expire.
  • Redeem Q Rewards Points for shopping vouchers from outlets such as Myer, David Jones, Hoyts and Village Cinemas, Toys R Us, Bunnings Warehouse and Dreamworld.
  • International travel insurance for everything from medical emergencies to lost luggage or missed flights
  • Purchase Cover Insurance on most new items you're covered against loss, theft or damage for three months
  • Priority 24-hour customer service on a dedicated Gold Visa card enquiries line
  • $1,000 daily cash advance limit through ATMs
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
-* Up to 55 days* 20.24% p.a.* $120* 1.9% p.a. for 6 months*


Suncorp Clear Options Standard Card
Suncorp Clear Options Standard Card
  • Low promotional balance transfer rate of 2.9% p.a. for 12 months on balances transferred
  • Generous credit limit of up to $20,000
  • Low annual fee of $39 for primary cardholder and $15 for additional cardholders
  • Privileges and special offers
  • 5 Star Outstanding Value Canstar Cannex rating
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
-* 0 Days* 12.24% p.a.* 39* 2.9% p.a. for 12 months*


Bankwest Zero Platinum MasterCard Credit Card
Bankwest Zero Platinum MasterCard Credit Card
  • Zero Annual Fees!
  • 24/7 concierge service to help you arrange travel, bookings, shopping and medical services
  • Built-in airline travel and accident insurance protection wherever you are in the world
  • Automatic purchase protection on any goods you buy
  • Up to 12 months extra on top of the usual manufacturer's warranty
  • Up to 55 days interest free on purchases
  • Up to 3 additional cardholders for free
  • 24/7 concierge service to help you arrange travel, bookings, shopping and medical services
  • Built-in airline travel and accident insurance protection wherever you are in the world
  • Automatic purchase protection on any goods you buy
  • Up to 12 months extra on top of the usual manufacturer's warranty
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
-* -* 16.99% p.a.* None* 3.99% p.a. for 9 months*