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  • 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!

  • How do these credit cards work?

    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 deals?

    You won't be charged a fee for switching to a balance transfer credit card, but many 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?

    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.

Credit card comparisons on Mozo Rates updated daily

  • NAB Premium Card

    NAB Premium Card

    • 7 complimentary insurances including Overseas Travel Insurance
    • 0%p.a. on balance transfers for 24 months (one off 3% BT fee)
    • Secure online application and fast response

    balance transfer rate

    0% p.a. for 24 months and then 21.74% p.a. (3.00% balance transfer fee)

    annual fees

    $90

    purchase rate

    19.74% p.a.

    Go to site

    More info

    • 7 complimentary insurances including Overseas Travel Insurance
    • 0%p.a. on balance transfers for 24 months (one off 3% BT fee)
    • Secure online application and fast response
    • Balance transfer rate: 0% p.a. for 24 months and then 21.74% p.a. (3.00% balance transfer fee)
    • Annual fees: $90
    • Purchase rate: 19.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.2

    Based on 1409 NAB credit card reviews

    Need more information?
    Go to site

    More info

  • ANZ First

    ANZ First

    • Now with Apple Pay
    • 0% p.a. first 16 months on balance transfers with a 2% Balance Transfer fee
    • Low annual fee

    balance transfer rate

    0% p.a. for 16 months and then 21.49% p.a. (2.00% balance transfer fee)

    annual fees

    $30

    purchase rate

    19.74% p.a.

    Go to site

    More info

    • Now with Apple Pay
    • 0% p.a. first 16 months on balance transfers with a 2% Balance Transfer fee
    • Low annual fee
    • Balance transfer rate: 0% p.a. for 16 months and then 21.49% p.a. (2.00% balance transfer fee)
    • Annual fees: $30
    • Purchase rate: 19.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description:
    Overall rating

    6.9

    Based on 1932 ANZ credit card reviews

    Need more information?
    Go to site

    More info

  • Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    • 0% p.a. on balance transfers for 18 months
    • Earn 2 bonus Velocity Points on top of standard earn rates in first 3 months
    • Half annual fee in the first year, a saving of $65

    balance transfer rate

    0% p.a. for 18 months and then 20.99% p.a.

    annual fees

    $129 $64 in the first 1 year

    purchase rate

    20.74% p.a.

    Go to site

    More info

    • 0% p.a. on balance transfers for 18 months
    • Earn 2 bonus Velocity Points on top of standard earn rates in first 3 months
    • Half annual fee in the first year, a saving of $65
    • Balance transfer rate: 0% p.a. for 18 months and then 20.99% p.a.
    • Annual fees: $129 $64 in the first 1 year
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description: Points are credited to the Velocity Frequent Flyer program.
    Overall rating

    5.7

    Based on 97 Virgin Money credit card reviews

    Need more information?
    Go to site

    More info

  • HSBC Low Rate Credit Card

    HSBC Low Rate Credit Card

    • Enjoy up to 55 days interest free on purchases
    • 0% p.a. BT for 15 months – T&Cs apply
    • Access to exclusive offers and special privileges, new customers who apply by 30 June 2017

    balance transfer rate

    0% p.a. for 15 months and then 21.99% p.a. (2.00% balance transfer fee)

    annual fees

    $55

    purchase rate

    13.25% p.a.

    Go to site

    More info

    • Enjoy up to 55 days interest free on purchases
    • 0% p.a. BT for 15 months – T&Cs apply
    • Access to exclusive offers and special privileges, new customers who apply by 30 June 2017
    • Balance transfer rate: 0% p.a. for 15 months and then 21.99% p.a. (2.00% balance transfer fee)
    • Annual fees: $55
    • Purchase rate: 13.25% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, min $4.00
    • Rewards description:
    Overall rating

    5.5

    Based on 139 HSBC credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Essential Credit Card

    American Express Essential Credit Card

    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee

    balance transfer rate

    0% p.a. for 12 months (1.00% balance transfer fee)

    annual fees

    $0

    purchase rate

    14.99% p.a.

    Go to site

    More info

    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee
    • Balance transfer rate: 0% p.a. for 12 months (1.00% balance transfer fee)
    • Annual fees: $0
    • Purchase rate: 14.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals: 2%, min $2.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • Westpac Low Rate

    Westpac Low Rate

    • 0% p.a on balance transfers for the first 12 months
    • 0% p.a purchase rate for 6 months
    • Bank on-the-go with Westpac Mobile Banking

    balance transfer rate

    0% p.a. for 12 months

    annual fees

    $59 $0 in the first year for existing Westpac customers

    purchase rate

    0% p.a. for 6 months then 13.49% p.a.

    Go to site

    More info

    • 0% p.a on balance transfers for the first 12 months
    • 0% p.a purchase rate for 6 months
    • Bank on-the-go with Westpac Mobile Banking
    • Balance transfer rate: 0% p.a. for 12 months
    • Annual fees: $59 $0 in the first year for existing Westpac customers
    • Purchase rate: 0% p.a. for 6 months then 13.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50, Max $150
    • Rewards description:
    Overall rating

    7.2

    Based on 1431 Westpac credit card reviews

    Need more information?
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  • Bank of Melbourne Vertigo Platinum

    Bank of Melbourne Vertigo Platinum

    • 0% p.a. on balance transfers for the first 12 months
    • 0% p.a on purchases for the first 6 months
    • Up to 55 interest free days on purchases

    balance transfer rate

    0% p.a. for 12 months

    annual fees

    $99 $0 in the first year for existing Bank of Melbourne customers

    purchase rate

    0% p.a. for 6 months then 12.74% p.a.

    Go to site

    More info

    • 0% p.a. on balance transfers for the first 12 months
    • 0% p.a on purchases for the first 6 months
    • Up to 55 interest free days on purchases
    • Balance transfer rate: 0% p.a. for 12 months
    • Annual fees: $99 $0 in the first year for existing Bank of Melbourne customers
    • Purchase rate: 0% p.a. for 6 months then 12.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.8

    Based on 69 Bank of Melbourne credit card reviews

    Need more information?
    Go to site

    More info

  • Coles No Annual Fee MasterCard

    Coles No Annual Fee MasterCard

    • $100 off a single Coles Supermarket shop if you apply & are approved by 28th Feb 2017
    • No annual fee to pay, ever
    • 0% p.a. on balance transfers for 6 months

    balance transfer rate

    0% p.a. for 6 months

    annual fees

    $0

    purchase rate

    19.99% p.a.

    Go to site

    More info

    • $100 off a single Coles Supermarket shop if you apply & are approved by 28th Feb 2017
    • No annual fee to pay, ever
    • 0% p.a. on balance transfers for 6 months
    • Balance transfer rate: 0% p.a. for 6 months
    • Annual fees: $0
    • Purchase rate: 19.99% p.a.
    • Interest free days: 62
    • Interest rate on cash withdrawals: 19.99% p.a.
    • Fee for cash withdrawals: 3%, Min $1.95
    • Rewards description: Earn 1 flybuys point for every $2 you spend.
    Overall rating

    6.8

    Based on 156 Coles credit card reviews

    Need more information?
    Go to site

    More info

  • St.George Vertigo

    St.George Vertigo

    • 0% p.a. on balance transfers for the first 12 months
    • 0% p.a. on purchases for the first 6 months
    • Up to 55 interest free days on purchases

    balance transfer rate

    0% p.a. for 12 months

    annual fees

    $55 $0 in the first year for existing St.George customers

    purchase rate

    0% p.a. for 6 months then 13.24% p.a.

    Go to site

    More info

    • 0% p.a. on balance transfers for the first 12 months
    • 0% p.a. on purchases for the first 6 months
    • Up to 55 interest free days on purchases
    • Balance transfer rate: 0% p.a. for 12 months
    • Annual fees: $55 $0 in the first year for existing St.George customers
    • Purchase rate: 0% p.a. for 6 months then 13.24% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.0

    Based on 330 St.George credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Velocity Escape Card

    American Express Velocity Escape Card

    • 0% p.a. on balance transfers for the first 12 months
    • No annual fee
    • Earn up to 7,500 bonus Velocity Points, limited time only

    balance transfer rate

    0% p.a. for 12 months (1.00% balance transfer fee)

    annual fees

    $0

    purchase rate

    20.74% p.a.

    Go to site

    More info

    • 0% p.a. on balance transfers for the first 12 months
    • No annual fee
    • Earn up to 7,500 bonus Velocity Points, limited time only
    • Balance transfer rate: 0% p.a. for 12 months (1.00% balance transfer fee)
    • Annual fees: $0
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals: 2%, min $2.50
    • Rewards description: Points automatically transferred to your Velocity account
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • St.George Amplify Signature (Qantas)

    St.George Amplify Signature (Qantas)

    • 0% p.a. on purchases for the first 6 months
    • 0% p.a. on balance transfers for 12 months
    • 30,000 bonus points when you spend $2,500 within the first 90 days

    balance transfer rate

    0% p.a. for 12 months

    annual fees

    $279 $0 in the first year for existing St.George customers

    purchase rate

    0% p.a. for 6 months then 19.49% p.a.

    Go to site

    More info

    • 0% p.a. on purchases for the first 6 months
    • 0% p.a. on balance transfers for 12 months
    • 30,000 bonus points when you spend $2,500 within the first 90 days
    • Balance transfer rate: 0% p.a. for 12 months
    • Annual fees: $279 $0 in the first year for existing St.George customers
    • Purchase rate: 0% p.a. for 6 months then 19.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 20.24% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    7.0

    Based on 330 St.George credit card reviews

    Need more information?
    Go to site

    More info

  • Coles Low Rate MasterCard

    Coles Low Rate MasterCard

    • $100 off a single Coles Supermarket shop if you apply & are approved by 28th Feb 2017
    • Earn 0.5 flybuys points for every dollar spent on the card at Coles Supermarkets
    • Low annual fee of $49 p.a.

    balance transfer rate

    0% p.a. for 6 months

    annual fees

    $49

    purchase rate

    12.99% p.a.

    Go to site

    More info

    • $100 off a single Coles Supermarket shop if you apply & are approved by 28th Feb 2017
    • Earn 0.5 flybuys points for every dollar spent on the card at Coles Supermarkets
    • Low annual fee of $49 p.a.
    • Balance transfer rate: 0% p.a. for 6 months
    • Annual fees: $49
    • Purchase rate: 12.99% p.a.
    • Interest free days: 62
    • Interest rate on cash withdrawals: 19.99% p.a.
    • Fee for cash withdrawals: 3%, Min $1.95
    • Rewards description:
    Overall rating

    6.8

    Based on 156 Coles credit card reviews

    Need more information?
    Go to site

    More info

  • St.George Vertigo Platinum

    St.George Vertigo Platinum

    • 0% p.a. on balance transfers for the first 12 months
    • 0% p.a. on purchases for the first 6 months
    • Up to 55 interest free days on purchases

    balance transfer rate

    0% p.a. for 12 months

    annual fees

    $99 $0 in the first year for existing St.George customers

    purchase rate

    0% p.a. for 6 months then 12.74% p.a.

    Go to site

    More info

    • 0% p.a. on balance transfers for the first 12 months
    • 0% p.a. on purchases for the first 6 months
    • Up to 55 interest free days on purchases
    • Balance transfer rate: 0% p.a. for 12 months
    • Annual fees: $99 $0 in the first year for existing St.George customers
    • Purchase rate: 0% p.a. for 6 months then 12.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.0

    Based on 330 St.George credit card reviews

    Need more information?
    Go to site

    More info

  • American Express Platinum Edge Credit Card

    American Express Platinum Edge Credit Card

    • Receive 5,000 Membership Rewards Bonus Points (T&Cs apply)
    • $200 travel credit
    • Enjoy no annual fee for the first year (T&Cs apply)

    balance transfer rate

    0% p.a. for 12 months (1.00% balance transfer fee)

    annual fees

    $195 $0 in the first 1 year

    purchase rate

    20.74% p.a.

    Go to site

    More info

    • Receive 5,000 Membership Rewards Bonus Points (T&Cs apply)
    • $200 travel credit
    • Enjoy no annual fee for the first year (T&Cs apply)
    • Balance transfer rate: 0% p.a. for 12 months (1.00% balance transfer fee)
    • Annual fees: $195 $0 in the first 1 year
    • Purchase rate: 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals: 2%, min $2.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • Bank of Melbourne Vertigo

    Bank of Melbourne Vertigo

    • 0% p.a. on balance transfers for the first 12 months
    • 0% p.a. on purchases for the first 6 months
    • Up to 55 interest free days on purchases

    balance transfer rate

    0% p.a. for 12 months

    annual fees

    $55 $0 in the first year for existing Bank of Melbourne customers

    purchase rate

    0% p.a. for 6 months then 13.24% p.a.

    Go to site

    More info

    • 0% p.a. on balance transfers for the first 12 months
    • 0% p.a. on purchases for the first 6 months
    • Up to 55 interest free days on purchases
    • Balance transfer rate: 0% p.a. for 12 months
    • Annual fees: $55 $0 in the first year for existing Bank of Melbourne customers
    • Purchase rate: 0% p.a. for 6 months then 13.24% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.8

    Based on 69 Bank of Melbourne credit card reviews

    Need more information?
    Go to site

    More info

  • Coles Rewards MasterCard

    Coles Rewards MasterCard

    • $100 off a single Coles Supermarket shop if you apply & are approved by 28th Feb 2017
    • Collect 2 points for every dollar you spend. Everywhere, every day
    • No international transaction fees

    balance transfer rate

    0% p.a. for 6 months

    annual fees

    $89

    purchase rate

    19.99% p.a.

    Go to site

    More info

    • $100 off a single Coles Supermarket shop if you apply & are approved by 28th Feb 2017
    • Collect 2 points for every dollar you spend. Everywhere, every day
    • No international transaction fees
    • Balance transfer rate: 0% p.a. for 6 months
    • Annual fees: $89
    • Purchase rate: 19.99% p.a.
    • Interest free days: 62
    • Interest rate on cash withdrawals: 19.99% p.a.
    • Fee for cash withdrawals: 3%, Min $1.95
    • Rewards description: Earn 2 flybuys points for every $1 you spend.
    Overall rating

    6.8

    Based on 156 Coles credit card reviews

    Need more information?
    Go to site

    More info

  • American Express Velocity Platinum Card

    American Express Velocity Platinum Card

    • 0% p.a. on balance transfers for the first 12 months
    • Earn up to 3 points per dollar spent on eligible purchases
    • Receive 50,000 Membership Rewards Bonus Points (T&Cs apply)

    balance transfer rate

    0% p.a. for 12 months (1.00% balance transfer fee)

    annual fees

    $349

    purchase rate

    20.74% p.a.

    Go to site

    More info

    • 0% p.a. on balance transfers for the first 12 months
    • Earn up to 3 points per dollar spent on eligible purchases
    • Receive 50,000 Membership Rewards Bonus Points (T&Cs apply)
    • Balance transfer rate: 0% p.a. for 12 months (1.00% balance transfer fee)
    • Annual fees: $349
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals: 2%, min $2.50
    • Rewards description: Points automatically transferred to your Velocity account
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • American Express Qantas Premium Card

    American Express Qantas Premium Card

    • Earn up to 2 bonus points per dollar spent on eligible purchases
    • Receive up to 30,000 extra Qantas Points
    • Enjoy 2 Qantas Club Lounge invitations every year

    balance transfer rate

    0% p.a. for 12 months (1.00% balance transfer fee)

    annual fees

    $249

    purchase rate

    20.74% p.a.

    Go to site

    More info

    • Earn up to 2 bonus points per dollar spent on eligible purchases
    • Receive up to 30,000 extra Qantas Points
    • Enjoy 2 Qantas Club Lounge invitations every year
    • Balance transfer rate: 0% p.a. for 12 months (1.00% balance transfer fee)
    • Annual fees: $249
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals: 2%, min $2.50
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate Offer

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 12 months
    • Enjoy an exclusive annual flight benefit. Conditions apply

    balance transfer rate

    0% p.a. for 6 months and then 20.99% p.a.

    annual fees

    $129

    purchase rate

    0% p.a. for 12 months then 20.74% p.a.

    Go to site

    More info

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 12 months
    • Enjoy an exclusive annual flight benefit. Conditions apply
    • Balance transfer rate: 0% p.a. for 6 months and then 20.99% p.a.
    • Annual fees: $129
    • Purchase rate: 0% p.a. for 12 months then 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description: Points are credited to the Velocity Frequent Flyer program.
    Overall rating

    5.7

    Based on 97 Virgin Money credit card reviews

    Need more information?
    Go to site

    More info

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