Best Balance Transfer Credit Card Offers

Compare the best balance transfer offers in Australia this month that offer a low or 0% interest rate, so you can transfer your existing balance and start clearing your debt.

Updated 27 Nov 2025 |

Comparing of 7 balance transfer credit card offers

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On Bankwest's website

Bankwest Breeze Mastercard

3.6

Balance transfer

24 months at 0% p.a.

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Purchase rate

12.99% p.a. ongoing

Annual fee

$49.00 p.a. ongoing

Details

Move your balance with 0% interest p.a. for 24 months, plus a 3% transfer fee. After that, it reverts to 12.99% p.a.
Pay a low annual fee of $49 p.a.
Add up to 3 extra cardholders at no cost.

Pros & cons

Pros

Pay 0% interest p.a. on balance transfers for 24 months.
Purchases attract a low ongoing interest rate of 12.99% p.a.
Enjoy up to 55 days interest-free on purchases.
Begin with a credit limit from just $1,000.
Lock your card quickly through the Bankwest App when needed.
Spread up to 5 purchases over 4 monthly payments at 0% interest with Easy Instalment Plans.

Cons

No rewards program with this card.
Balance transfers come with a 3% fee.
Foreign transactions include a 2.95% fee.

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On Bankwest's website

Bankwest Breeze Platinum Mastercard

3.8

Balance transfer

24 months at 0% p.a.

Balance paid off in

Calculate your repayments

Purchase rate

12.99% p.a. ongoing

Annual fee

$59.00 p.a. ongoing

Details

Move your balance with 0% interest p.a. for 24 months, plus a 3% transfer fee. After that, it shifts to 12.99% p.a.
Shop online or overseas without foreign transaction fees.
You and your family get free overseas travel insurance as a handy extra.

Pros & cons

Pros

Enjoy 0% interest p.a. on balance transfers for 24 months.
Keep ongoing purchase interest low at 12.99% p.a.
Pay a modest annual fee of $59 p.a.
Add up to 3 extra cardholders for free.
Get up to 55 days interest-free on purchases.
Start with a credit limit as low as $6,000.
Lock your card quickly if needed through the Bankwest App.
Spread up to five purchases over four monthly payments at 0% interest with Easy Instalment Plans.

Cons

This card has no rewards program.
Balance transfers come with a 3% fee.
Cash advances attract 21.99% interest p.a.

FeaturedApply by 12 January 2026

Latitude Low Rate Mastercard (1st Year No Annual Fee Offer)

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On Latitude Financial Services' website

Latitude Low Rate Mastercard (1st Year No Annual Fee Offer)

Balance transfer

12 months at 6.99% p.a.

Balance paid off in

Calculate your repayments

Purchase rate

13.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Details

New customers can take advantage of this limited-time deal. Apply and get approved by 12 January 2026, then make an eligible purchase within 90 days to skip the annual card fee in your first year and save $69. Terms and conditions apply.
Earn 3% back in Latitude Rewards on regular bill payments to selected utilities, telco providers and streaming services.
Add one extra cardholder at no cost.
This offer cannot combine with any others.

Pros & cons

Pros

Pay no annual card fee in your first year if you make a purchase within 90 days, then just $69 each year after that.
Enjoy a low ongoing purchase interest rate of 13.99% p.a., which beats many standard cards.
Transfer balances at 6.99% interest p.a. for 12 months, with a 3% fee. If any balance remains after this period, it attracts interest at the cash advance rate of 29.99% p.a., which may change. Any leftover balance at the end of an interest-free period switches to the purchase rate of 13.99% p.a., also subject to change.
Start spending straight away with Apple Pay, even before your physical card shows up.
Pick up Latitude Rewards when you shop through the merchant offers portal.
Keep track of your card easily with the Latitude App.

Cons

Cash advances attract a high interest rate of 29.99% p.a., common for this type of use.
Overseas transactions come with a 3% foreign exchange fee.
Late payments cost $45.

Apply by 12 January 2026

Latitude Low Rate Mastercard (0% Purchase Offer)

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On Latitude Financial Services' website

Latitude Low Rate Mastercard (0% Purchase Offer)

Balance transfer

12 months at 6.99% p.a.

Balance paid off in

Calculate your repayments

Purchase rate

9 months at 0% p.a.

Annual fee

$69.00 p.a. ongoing

Details

Limited-time deal for new customers. Apply by 12 January 2026 to enjoy 0% interest on everyday purchases for the first nine months. After that, it shifts to a low ongoing rate of 13.99% p.a.
Earn 3% back in Latitude Rewards on regular payments to selected utilities, telco providers and streaming services.
Add 1 extra cardholder for free.
This offer stands alone and cannot combine with others.

Pros & cons

Pros

Earn Latitude Rewards by shopping through the merchant offers portal.
Benefit from a low ongoing purchase rate of 13.99% p.a., better than many standard cards.
Transfer balances at 6.99% interest p.a. for 12 months, with a 3% fee. Any leftover balance after that attracts the cash advance rate of 29.99% p.a., which may change.
Stay on top of your spending with the easy-to-use Latitude App.

Cons

Cash advances hit you with a high 29.99% interest rate p.a.
Overseas transactions come with a 3% foreign exchange fee.
Miss a payment and face a $45 late fee.

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On Bankwest's website

Bankwest Zero Platinum Mastercard

3.0

Balance transfer

6 months at 0% p.a.

Balance paid off in

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Purchase rate

6 months at 0% p.a.

Annual fee

$0.00 p.a. ongoing

Details

Enjoy 0% interest p.a. for 6 months on purchases and balance transfers, with a 3% balance transfer fee. It then changes to 18.99% p.a.
Pay no foreign transaction fees, even for online shopping from overseas stores.
Keep costs down with no annual fee for life.
Spread payments with Easy Instalments, putting up to 5 eligible purchases on an interest-free plan.
Start with a credit limit from at least $6,000.

Pros & cons

Pros

No annual fee suits this card for everyday or spare use.
6 months interest-free on purchases and balance transfers helps manage spending.
No foreign transaction fees on currency or overseas buys.
Make interest-free repayments on up to 5 eligible purchases through Easy Instalments.
Begin with a minimum credit limit of $6,000.
Get up to 55 days interest-free by paying your full statement balance.
Balance transfers switch to the purchase rate, not the higher cash advance rate.
Transfer up to 95% of your credit limit.

Cons

A 3% fee applies to balance transfers, which you can add to your balance.
This card does not earn rewards points, common for no-fee options.
Balance transfers need at least $500, though most users move more.

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On Bankwest's website

Bankwest Qantas Platinum Mastercard

3.8

Balance transfer

9 months at 2.99% p.a.

Balance paid off in

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Purchase rate

19.99% p.a. ongoing

Annual fee

$199.00 p.a. ongoing

Details

Start strong with up to 80,000 bonus Qantas Points. Spend $7,500 on eligible purchases in the first 90 days and keep your card open for over 15 months to claim them. This is a limited-time deal for new customers only, with terms and conditions that apply.
Earn 0.6 Qantas Points for every dollar on your first $2,500 spent each month on eligible purchases, then 0.3 points per dollar after that.
Enjoy free overseas travel insurance for you and your family when you book flights using this card.
Pay no foreign transaction fees on purchases made online or overseas.

Pros & cons

Pros

Grab 80,000 bonus Qantas Points once you meet the criteria.
Get extra cover with extended warranty and purchase security insurance, where conditions apply.
Build Qantas Points without any cap.
Save $99.50 on a free Qantas Frequent Flyer membership that comes with the card.
Transfer balances at 2.99% p.a. for 9 months, with 0% transfer fee.
Add up to 4 extra cards at no cost.
Set up easy instalment plans at 0% interest.

Cons

Some other rewards cards give higher points per dollar.
The $199 yearly fee has no waiver option.
Cash advances cost 21.99% p.a.
Purchases get up to 44 days interest-free.

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On Kogan Money's website

Kogan Money Black Credit Card

4.4

Balance transfer

10 months at 0% p.a.

Balance paid off in

Calculate your repayments

Purchase rate

21.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Details

Transfer your balance to 0% p.a. interest for 10 months with a 1% balance transfer fee (reverting to 22.74% p.a. after the promotional period ends).
No annual fee for life. This keeps costs low and simple, so you can focus on the benefits.
Earn 2 reward points per $1 on eligible purchases at Kogan.com and 1 point per $1 on all other eligible spending, uncapped.
Unlock extra perks with complimentary Kogan FIRST membership. Benefits include free shipping on thousands of items at Kogan.com and Dick Smith, faster delivery options, special members-only deals, and $100 off your first Kogan Energy bill.

Pros & cons

Pros

Move your balance with 0% interest p.a for 10 months, plus a 1% fee. After that, it reverts to 22.74% p.a.
Pick up 2 reward points for every $1 spent on eligible buys at Kogan.com, and 1 point per $1 on other eligible spending.
No limit on how many rewards you can earn.
Turn your points into value at Kogan.com, where 1,000 points give you $10 credit.
Add up to 4 extra cardholders for free.
Feel secure with FRAUDSHIELD® and Visa Zero Liability to protect your buys.

Cons

Foreign transaction fees apply: $5 or 3.5% on domestic, and $5 on international.
Cash advances come with an ongoing rate of 22.74% p.a.

Calculate and find out!

Do you know how much you could save with a balance transfer card?

How much you could save with a 0% balance transfer depends on your existing balance and the interest rate on your current card. For example, if you have $5,000 in debt on a card with a 20% interest rate, you’d be paying around $1,000 in interest over a year.

By transferring that balance to a card with a 0% interest offer for 12 months, you could save that $1,000—provided you pay off the balance before the offer ends.

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