balance transfer credit cards

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Balance transfer credit card comparisons on Mozo

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Last updated 14 May 2025Important disclosures
Balance transfer calculator: how much money could you save?
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  • Citi Rewards - Balance Transfer and Purchases offer

    0% p.a. for 26 months on balance transfers (one off 1.5% BT fee applies, reverts to cash advance rate). Also receive complimentary International Travel Insurance.

    Balance transfer rate
    Purchase rate
    Annual fee
    Rewards program
    Estimated savings
    0% p.a. for 15 months and then 22.99% p.a. (2.00% balance transfer fee)
    0% p.a. for 15 months then 22.49% p.a.
    $199
    Citi Rewards Program
    Compare
    Details
  • Citi Clear Credit Card - Balance Transfer Offer

    0% p.a. for 20 Months on balance transfers. 2% balance transfer fee applies. Rate reverts to cash advance rate after promotional period. $149 annual fee. Enjoy a low ongoing variable purchase rate of 14.99% p.a. This product is provided by National Australia Bank Limited, using certain trademarks temporarily under licence from Citigroup Inc.

    Balance transfer rate
    Purchase rate
    Annual fee
    Rewards program
    Estimated savings
    0% p.a. for 20 months and then 22.24% p.a. (2.00% balance transfer fee)
    14.99% p.a.
    $149
    -
    Compare
    Details
  • Citi Premier

    120,000 bonus points when you spend $4,000 within 90 days from card approval. Complimentary features like travel insurance and concierge.

    Balance transfer rate
    Purchase rate
    Annual fee
    Rewards program
    Estimated savings
    0% p.a. for 6 months and then 22.99% p.a.
    22.49% p.a.
    $300
    Citi Rewards Program
    Compare
    Details
  • Bank of Queensland Blue Visa Credit Card

    Balance transfer rate
    Purchase rate
    Annual fee
    Rewards program
    Estimated savings
    0% p.a. for 6 months and then 21.99% p.a. (1.00% balance transfer fee)
    20.99% p.a.
    $89
    Q Rewards
    Compare
    Details
  • Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    0% p.a. on balance transfers for 0.0 months and a $129 Virgin Australia Gift Voucher. Pay only half annual fee in the first year. Earn Velocity Points on your eligible everyday spend.

    Balance transfer rate
    Purchase rate
    Annual fee
    Rewards program
    Estimated savings
    0% p.a. for 24 months and then 20.99% p.a. (1.00% balance transfer fee)
    20.74% p.a.
    $149
    Velocity Frequent Flyer
    Compare
    Details
  • Bankwest More Classic Mastercard

    Earn 1.5 More Rewards points per $1 spent on eligible purchases. Plus, if you meet the minimum annual spend, you'll receive a bonus 19,500 points every year.

    Balance transfer rate
    Purchase rate
    Annual fee
    Rewards program
    Estimated savings
    0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
    19.99% p.a.
    $100
    Bankwest More Rewards
    Compare
    Details
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Credit Card Resources

Views, news, tips and guides to help find the best credit card for you.

Credit Card Reviews

ANZ Credit Card
Overall 6/10
The online is good website can be complicated

This is ok. I have had a fe problems where they havent protected my bank account from scams. But the customer service is usally very good

Read full review

This is ok. I have had a fe problems where they havent protected my bank account from scams. But the customer service is usally very good

Price
8/10
Features
6/10
Customer service
8/10
Convenience
5/10
Trust
8/10
Less
Eliza, South Australia, reviewed about 1 month ago
ANZ First
Overall 2/10
Not happy jan

I haven’t had any credit cards or loans im 40 years old and they declined me for not having any credit history so 3/10 rubber chickens

Read full review

I haven’t had any credit cards or loans im 40 years old and they declined me for not having any credit history so 3/10 rubber chickens

Price
5/10
Features
4/10
Customer service
6/10
Convenience
3/10
Trust
4/10
Less
James, Victoria, reviewed about 1 month ago
Bendigo Bank Qantas Platinum Credit Card
Overall 7/10
Not convenient for joint accounts

When you have a joint account almost everything needs to be done in branch. But our local branch is only open 10-2 and they don’t accept appointments for weeks in advance. We moved everything except our credit card (for now) because of lack of convenience when trying to make any changes to our accounts.

Read full review

When you have a joint account almost everything needs to be done in branch. But our local branch is only open 10-2 and they don’t accept appointments for weeks in advance. We moved everything except our credit card (for now) because of lack of convenience when trying to make any changes to our accounts.

Price
10/10
Features
8/10
Customer service
3/10
Convenience
2/10
Trust
7/10
Less
Kristy, Victoria, reviewed about 2 months ago

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