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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 balance transfer credit card. These credit cards are designed to allow people to transfer over their high balances and enjoy a period of low interest. This is typically done to take advantage of the lower rates to pay off the balance in a lot less time.

If you decide to use a balance transfer credit card, you will need to be aware of a few things. First, how long with the low interest rate last? Many companies will have a six month or yearlong introductory period and then the interest rate will go up to a more standard amount. If you are worried that you will not be able to pay off your debt in that amount of time, you should try to find a balance transfer credit card 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 transfers only or new purchases as well. This will help you avoid any confusion and help you select the right balance transfer credit card for your needs.
Aussie MasterCard
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  • A low interest rate of 11.99% p.a.* on purchases
  • Up to 55 days interest free credit on purchases
  • Competitive balance transfer rate of 0% for the first 6 months
  • Credit limit up to $15,000
  • 24 hour call centre assistance - at home and overseas
  • Shop safely Online with MasterCard SecureCode
  • A low 15.99% p.a. on cash advances
  • And you don't have to be an Aussie customer to apply
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 11.99% p.a.* * $49* 0% for 6 months*


Macquarie Bank Visa RateSaver Card
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  • One of the lowest credit card interest rates around: currently just 10.95% p.a. on purchases
  • Get up to 55 days interest free on purchases
  • Standard cash advance interest rate of 17.99% p.a.
  • 0%* interest on balances transferred from other credit cards for the first 4 months
  • Enjoy a low annual fee of just $50
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% Intro APR* Up to 55 Days* 10.95%* $50* 0% For 4 months*


St George Vertigo MasterCard
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  • A low rate on purchases of 11.89% p.a*
  • 0%p.a. balance transfer rate for up to 6 months**
  • Awarded Australia's cheapest credit card - Money Magazine 2008.
  • Up to 55 interest free days on purchases*
  • Low $45 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* 11.89% p.a.* $55* 0% p.a for up to 6 months*


Citibank Gold Card
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  • Free International Travel Insurance
  • Automatic FREE access to a superior Rewards Program
  • Access to Citibank World Privileges
  • 90 Days Purchase Cover
  • Generous credit limit up to $25,000
  • Up to 55 Days Interest-free on retail purchases
  • FRAUD SHIELD
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 20.74%p.a.* $119* 2.9%p.a. for 12 months*


Citibank Clear Card
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  • 11.99%p.a. ongoing on purchases*
  • 0% for 6 months on Balance Transfers
  • 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
0% intro APR* Up to 55 Days* 12.49%p.a.* $65* 0% p.a for 6 months*


NAB Low Rate Visa Card
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  • A low 12.95% p.a. on purchases1
  • 0% p.a. on balance transfers for up to 6 months (for a limited time only)2
  • Up to 55 days interest free on purchases3
  • A choice of two colours: silver or pink
  • Cash if you need it at 19.99% p.a.1
  • An additional cardholder at no extra cost4
  • Worldwide acceptance at over 22 million locations
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% Intro APR* Up to 55 Days* 12.95% p.a.* $49* 0% p.a. for up to 6 months*


ANZ Low Rate MasterCard
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  • Low interest rate of 12.99% p.a. on purchases and 20.99% p.a. on cash advances
  • $58 annual account fee
  • Up to 55 days interest free credit on purchases
  • Design your own Card
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 12.99% p.a.* $58* 0% for first 6 months*


Commonwealth Bank Low Rate Card
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  • Low interest rate of just 13.24% p.a. on purchases and cash advances
  • $48 annual fee
  • 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.* $48* 5.99%p.a. for 5 months*


GE Money eco MasterCard
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  • 0% on balance transfers for 6 months - limited time offer
  • $49 annual card fee
  • Up to 55 days interest free on purchases
  • Interest rate is 18.49% p.a. on purchases
  • 19.99% p.a. cash annual percentage rate
  • As an eco MasterCard cardholder, you can choose to contribute an amount equal to 1% of your purchases to emission reduction projects, or contribute 0.5% and get 0.5% cash back, as a credit to your account.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* up to 55 days* 18.49% p.a.* $49* 0% for 6 months*


NAB Visa Mini
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  • Up to $120 cash back to your account every year1
  • A low $24 annual card fee2
  • Up to 55 days interest free on purchases3
  • 2 cards, 1 simple account
  • A choice of 5 unique metallic colours
  • Additional cardholder at no extra cost4
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 19.74% p.a.* $24* 5.9% p.a. 1st 6 months*


Commonwealth Bank Low Fee Card
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  • 19.99% p.a. on purchases AND 20.44% p.a. on cash advances
  • Up to 55 days interest free
  • $24 annual fee
  • Balance transfer rate 5.99% p.a. for 5 months
  • Global access - over 24 million locations
  • Issued with chip for extra security
  • Online security guarantee
  • Free additional cardholder
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 19.99% p.a.* $24* 5.99% p.a. for 5 months*


Commonwealth Bank Awards Card
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  • 20.74% p.a. on purchases AND cash advances
  • Up to 55 days interest free
  • $59 annual fee
  • Balance transfer rate 5.99% p.a. for 5 months
  • Issued with chip for extra security
  • Global access - over 24 million locations
  • Commonwealth Awards program - rewards program offering everything from cash back to DJs vouchers to blenders to magazine subscriptions to travel with over 400 different airlines around the world
  • Online security guarantee
  • Additional cardholder for $15
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 20.74% p.a.* $59 * 5.99% p.a. for 5 months*


Citibank Platinum Card
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  • Credit limit up to $100,000.
  • 4.9% p.a. on the life of balance transfers - Transfer your outstanding balances from other credit or store cards and you'll enjoy a low 4.9% 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% intro APR* up to 55 days* 20.74%p.a.* $250* 4.9% p.a. on the life of balance*


BankWest Lite MasterCard
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  • 0%p.a. for nine months on balance transfers
  • Australia's lowest ongoing rate MasterCard of 9.89%p.a. - Excludes cash advances - Up to 55 days interest free
  • Up to 3 additional cardholders - free
  • 24/7 account access via BankWest Online Banking
  • Using your BankWest Lite MasterCard at over 21 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* 9.89% p.a.* $59* 0%p.a. for 9 months*


ANZ First Visa Card
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  • No annual account fee for the first 12 months.
  • 7.99% for first 6 months*
  • Interest rate of 19.94% 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* 19.94% p.a.* $0* 7.99% for first 6 months*


HSBC Low Rate Credit Card
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  • 0% p.a. until 1 June 2008* on purchases
  • 0% p.a. until 1 October 2008** on balance transfers
  • $0 annual fee in the first year and then only $39 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
  • Cash withdrawals at over 800,000 ATMs worldwide
  • Repayments at any HSBC branch, by mail, BPAY, telephone, direct debit, online or at Australia Post
  • Credit Cards Online for quick, easy and secure access to your account 24 hours a day
  • Worldwide acceptance at over 24 million Visa merchants
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Until 1 June 2008* 12.99%p.a.* $0 annual fee in the first year* 0% p.a. until 1 October 2008*


Commonwealth Bank No Fee Card
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  • $0 Annual fee
  • Balance transfer rate 5.99% p.a. for five months
  • No interest-free period
  • Interest rate 18.99% p.a.
  • FREE additional credit card for a family member or friend
  • Secure Internet Shopping protects you against online card fraud, 24 hours, 7 days a week
  • For greater peace of mind, register with Secure Sentinel
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
* * 18.99% p.a.* $0* 5.99% p.a. for 5 months*


BP-Citibank MasterCard
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  • 5% off your petrol and everything else you buy at BP
  • 1% off everything else you buy anywhere
  • 2.9%p.a. * for 12 months for all balances transferred
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
* * 19.89% p.a* $79* 2.9%p.a. for 12 months*




  • American Express Credit Cards
  • ANZ Credit Cards
  • Aussie Credit Cards
  • Bankwest Credit Cards
  • Citibank Credit Cards
  • HSBC Credit Cards
  • NAB Credit Cards
  • St George Credit Cards
  • Wizard Credit Cards