balance transfer credit cards

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Balance transfer credit card comparisons on Mozo

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Last updated 17 January 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 24 Months on balance transfers. 1.5% balance transfer fee applies. Rate reverts to cash advance rate. $49 annual fee in the first year, reverts to $99 thereafter. 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 24 months and then 22.24% p.a. (1.50% balance transfer fee)
    14.99% p.a.
    $99 $49 in the first year
    -
    Compare
    Details
  • NAB Low Rate Card - Balance Transfer Offer

    Spend with confidence with a low variable purchase rate and 0% p.a. interest on balance transfers for the first 24 months. Unpaid balance transfer reverts to variable cash advance rate. 3% balance transfer fee applies. There’s also up to 55 interest free days on purchases to help you manage your budget when you pay your account in full by the due date. Minimum credit limit $1,000. Low annual fee. T&Cs, fees, charges and eligibility criteria apply.

    Balance transfer rate
    Purchase rate
    Annual fee
    Rewards program
    Estimated savings
    0% p.a. for 24 months and then 21.74% p.a. (3.00% balance transfer fee)
    13.49% p.a.
    $59
    -
    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 9 months and then 21.99% p.a.
    0% p.a. for 9 months then 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.
    20.74% p.a.
    $149 $0 in the first year
    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

Commonwealth Bank Credit Card
Overall 7/10
Great credit card facilities and support.

Easy to deal with. Text message reminder about credit card payment requirements so they are not overlooked. Easyily man aged through Netbanking.

Read full review

Easy to deal with. Text message reminder about credit card payment requirements so they are not overlooked. Easyily man aged through Netbanking.

Price
7/10
Features
7/10
Customer service
9/10
Convenience
9/10
Trust
9/10
Less
Lisa, New South Wales, reviewed 1 day ago
Commonwealth Bank Low Fee Credit Card
Overall 4/10
Caring about the needs of customers

Trusting this bank as they've helped me with scammers. Always ring me back if something is urgent and very helpful, organized, efficient and provide great customer service when money is to come back to me after being scammed eg ordering items online.

Read full review

Trusting this bank as they've helped me with scammers. Always ring me back if something is urgent and very helpful, organized, efficient and provide great customer service when money is to come back to me after being scammed eg ordering items online.

Price
5/10
Features
4/10
Customer service
4/10
Convenience
4/10
Trust
4/10
Less
Joanne, New South Wales, reviewed 1 day ago
Commonwealth Bank Low Fee Credit Card
Overall 10/10
Treat like an emergency find

The process of application was very easy and streamlined. It was amazing how quickly the application was approved and the card arrived in the mail earlier then what was advised. Having a credit cards comes in handy for emergencies or the sneaky little splurge. Paying the credit card off is always good to set a budget with a direct debit coming out where you won't even miss the amount.

Read full review

The process of application was very easy and streamlined. It was amazing how quickly the application was approved and the card arrived in the mail earlier then what was advised. Having a credit cards comes in handy for emergencies or the sneaky little splurge. Paying the credit card off is always good to set a budget with a direct debit coming out where you won't even miss the amount.

Price
6/10
Features
7/10
Customer service
7/10
Convenience
10/10
Trust
8/10
Less
Veronica, New South Wales, reviewed 3 days ago

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