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    Balance transfer credit cards

    • Balance transfers have a whole range of types and species, such as lifetime balance transfers and zero interest deals. And of course there'll be various conditions attached to the credit card as well - so make sure you find the right credit balance!

      Check out the latest balance transfer offers below, or you can use our search tool to compare cards from all Australian providers.

    • What's the deal with balance transfers?

      Balance transfer credit cards let you move debt from an existing credit card (or store card) where you might be paying interest as high as 20% or more. Transferring the balance gets you low interest - and sometimes zero interest - for 6 or 12 months, or until the balance is paid off. It's a great way to save big time on interest and pay off that debt!

    • Are there fees or conditions for balance transfer offers?

      You won't be charged a fee for making a balance transfer, but many balance transfer credit cards do come with annual fees. Another trap to watch out for is that if you don't pay off the debt within the period of the balance transfer, the interest rate can shoot up to a cash or purchase rate of 20% or more. For more information on balance transfer tricks and tips, read our balance transfers explained at last guide.

    • So how do I apply online for a balance transfer credit card?

      Applying for a balance transfer credit card couldn't be easier. Once you've found the deal of your (financial) dreams simply hit "go to site", to the right of the credit card. You'll be taken to the credit card provider, and subject to approval, can transfer that balance pronto.

    Popular balance transfer credit cards on MozoRates updated: 24 May 2012

      • Bankwest
        Breeze
        • Limited Time Exclusive Offer - 0% p.a. intro purchase rate for 6 months
        • 4.99% p.a. for the first 9 months on non-Bankwest credit card balance transfers
        • Up to 55 days interest free
      • balance transfer rate

        4.99% for 9 months

      • interest rate

        10.99%


        annual fees

        $49

      • Go to site
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      Click for more info
      • HSBC
        HSBC
        • 0% balance transfer for 8 months plus $0 annual fee for the life of the card
        • Up to 55 days interest free on purchases
        • Special privileges at over 19,000 retailers in more than 160 countries
      • balance transfer rate

        0.00% for 8 months and then 21.99%

      • interest rate

        17.99%


        annual fees

        $0

      • Go to site
      Click for more info
      • Virgin Money
        Virgin Flyer Credit Card
        • Exclusive Offer - $50 annual fee for the first year
        • 1.9% p.a. on balances transferred for 12 months
        • Uo to 44 days interest free on purchases
      • balance transfer rate

        1.90% for 12 months

      • interest rate

        20.99%


        annual fees

        $99$50 in the first 1 year

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      • ANZ
        Low Rate
        • 0% p.a. on purchases and balances transferred for the first 3 months
        • Up to 55 days interest free on purchases
      • balance transfer rate

        0.00% for 3 months

      • interest rate

        13.39%


        annual fees

        $58

      • Go to site
      Click for more info
      • ANZ
        Platinum
        • Overseas Travel and Medical Insurance at no extra cost
        • $0 annual fee for the first year
        • 0% p.a. on purchases and balances transferred for the first 6 months
      • balance transfer rate

        0.00% for 6 months

      • interest rate

        19.39%


        annual fees

        $87$0 in the first 1 year

      • Go to site
      Click for more info

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    Credit card reviews

      • 28 Degrees 28 Degrees Mastercard *

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        * Fees and charges are payable

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        28 Degrees credit card review

        Gread for OS travel without the transaction fees

          11. Overall customer rating
          12. (Reviewed 2 days ago)

        Great product for overseas travel and international eBay purchases. No conversion fees when used overseas with competitive foreign exchange rates. Safe, reliable and user-friendly online service. Efficient customer service during initial registrat...       Full review 

        Great product for overseas travel and international eBay purchases. No conversion fees when used overseas with competitive foreign exchange rates. Safe, reliable and user-friendly online service. Efficient customer service during initial registration. No cons so far. Highly recommended product.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
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        28 Degrees 28 Degrees Mastercard credit card review by Marta from Australian Capital Territory

        Was this review helpful?

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      • Commonwealth Bank Low Fee Credit Card *

        • 20.24%

          interest rate

        • $24.00

          annual fee

        Commonwealth Bank Platinum Awards Credit Card *

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        * Fees and charges are payable

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        Commonwealth Bank credit card review

        Great customer service & better competetive rates

          11. Overall customer rating
          12. (Reviewed 2 days ago)

        Love the idea of having a credit card on hand for any emergency purchases that may pop up and have always been a trusted Commonwealth Bank account holder but believe there interest rates could be at a bit more of a competitive price to keep valued...       Full review 

        Love the idea of having a credit card on hand for any emergency purchases that may pop up and have always been a trusted Commonwealth Bank account holder but believe there interest rates could be at a bit more of a competitive price to keep valued customers where they want to be and with a great rate.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
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        Commonwealth Bank Low Fee Credit Card credit card review by Kelly from Victoria

        Was this review helpful?

        Yes

      • ANZ Frequent Flyer *

        ANZ First *

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        * Fees and charges are payable

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        ANZ credit card review

        Went out of their way to give comfortable service

          11. Overall customer rating
          12. (Reviewed 2 days ago)

        When I went into the branch, it didn't feel like a bank. I felt like I was in a movie, playing the part of a VIP investor with a personal bank representative....yet it was all comfy and casual like visiting a friend's place. Amazing!       Full review 

        When I went into the branch, it didn't feel like a bank. I felt like I was in a movie, playing the part of a VIP investor with a personal bank representative....yet it was all comfy and casual like visiting a friend's place. Amazing!


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
        Less
        ANZ Frequent Flyer credit card review by Craig from Western Australia

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        Yes
    5

    Lowest interest rate

    based on ongoing interest rate

    Highest rated credit cards- as voted by the Mozo Community (rating out of 10)

    • 8.0

      Bendigo Bank credit cards

      Overall rating: 8.0 (51 reviews)*

      Last reviewed: 04 May 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust

      * based on reviews in the past 12 months

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    • 7.8

      28 Degrees credit cards

      Overall rating: 7.9 (71 reviews)*

      Last reviewed: 20 May 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust

      * based on reviews in the past 12 months

      28 Degrees credit cards
    • 7.8

      Woolworths credit cards

      Overall rating: 7.8 (30 reviews)*

      Last reviewed: 08 May 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust

      * based on reviews in the past 12 months

      Woolworths credit cards
    • 7.3

      Bankwest credit cards

      Overall rating: 7.3 (132 reviews)*

      Last reviewed: 21 May 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust

      * based on reviews in the past 12 months

      Bankwest credit cards
    • 7.2

      Bank of Queensland credit cards

      Overall rating: 7.2 (39 reviews)*

      Last reviewed: 24 January 2012


      11. Overall customer rating
      11. Price
      11. Features
      11. Service
      11. Convenience
      11. Trust

      * based on reviews in the past 12 months

      Bank of Queensland credit cards

    American Express
    Qantas American Express Discovery Card

    No annual card fee

    Qantas American Express Discovery Card card from American Express
    • Enjoy a special introductory interest rate of 0% p.a. on purchases for the first six months
    • Earn up to 7,500 bonus Qantas Frequent Flyer points
    • $0 annual card fee
    Go to site

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