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Balance Transfers For 12 Months

Looking to do a balance transfer for 12 months and start saving money? Here you can find the very best credit cards in Australia offering 12 months low interest on balance transfers, which means you can save money every month to repay your balance. These balance transfer cards are fantastic for getting your personal finances in order, reducing stress and getting you out of debt. Once you've completed your credit card comparison of the offers below and make your secure application online today you'll be on your way to paying down your monthly credit card balance, saving you cash every month!
Aussie MasterCard
Aussie MasterCard
  • Choose - 2.99% p.a on balance transfers and purchases for the 1st 6 months OR 3.99% p.a on balance transfers for the 1st 12 months to help get your credit card debts under control.
  • Reverts to a great low rate on purchases, currently just 12.99% p.a.
  • Up to 55 days interest-free credit on purchases
  • A low annual fee of only $49.
  • 24/7 online account access or over the phone.
  • Fraud protection - and the confidence of knowing we'll call you if we spot any suspicious use of your card.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
2.99% p.a. for 1st 6 months* Up to 55 Days* 12.99% p.a.* $49* 2.99% p.a. for 1st 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*


Citibank Silver Card
Citibank Silver Card
  • 2.9% p.a. for 12 months on balance transfers.
  • Up to 55 days interest free on purchases.
  • To reduce the interest paid on the life of balances you transfer.
  • Generous credit limits of up to $7,500.
  • Low annual fees for primary and additional cardholders.
  • Free Rewards program1 with points that never expire and the option of Qantas Frequent Flyer Points.
  • Free purchase cover insurance for lost, stolen or damaged goods.
  • Extra security with a photo card, digital signature and Fraudshield protection.
  • 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.* $89* 2.9% p.a. 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*


BP-Citibank Credit Card
BP-Citibank Credit Card
  • Big savings on petrol and purchases from BP
  • Cash back on all other purchases
  • 1.9% p.a. for 12 months on balances transferred
  • 5% off your petrol and everything else you buy at BP
  • Save 0.5% off all other purchases
  • A low rate on all credit card balances transferred
  • 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* 20.89% p.a.* $79* 1.9% p.a. for 12 months*


CUA Gold Rewards MasterCard Credit Card
CUA Gold Rewards MasterCard Credit Card
  • Earn 1 Reward Point for every $1 spent on your card - Giving you more points every time you spend on your card, and with no points expiry, you have all the time you need to make your choice.
  • Superior Rewards Program at no additional cost - Redeem reward points for shopping vouchers, merchandise, hotel stays, petrol vouchers and much more.
  • Generous Credit Limits? - Up to $25,000 on the Gold MasterCard.
  • Low Annual Fee - A low annual fee of just $85 for the CUA Gold MasterCard with Card Services Rewards, with up to 4 additional cards.
  • Complimentary International Travel Insurance on Gold - For you and your family when you buy overseas travel on your CUA Gold MasterCard with Card Services Rewards.
  • Complimentary Purchase Cover - Complimentary insurance on any new items that are lost, stolen or damaged within three months of purchase using your CUA MasterCard with Cards Services Rewards.
  • 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.* $85* 2.9% p.a. for 9 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 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*


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*