balance transfer credit cards

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Balance transfer credit card comparisons on Mozo - last updated 9 March 2021

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Balance transfer calculator: how much money could you save?
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  • Apply By 31 May 2021
    Bendigo Bank Low Rate Credit Card

    0% p.a. balance transfer for 18 months (Reverts to 11.99% p.a). Low annual fee of $45 and no fees for additional cardholders.

    Balance transfer rate
    Purchase rate
    Annual fee
    Rewards program
    Estimated savings
    0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)
    11.99% p.a.
    $45
    -
    Compare
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    Details
  • Bankwest Breeze Mastercard

    0% p.a. on balance transfers for 26 months (2% BT fee applies). 0% purchase rate for the first 6 months, then moving to 12.99% thereafter, great for consolidating debt.

    Balance transfer rate
    Purchase rate
    Annual fee
    Rewards program
    Estimated savings
    0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
    10.99% p.a.
    $49 $0 in the first year
    -
    Compare
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    Details
  • Hot DealLimited time balance transfer offer
    Westpac Low Rate

    Enjoy 0% p.a. interest on balance transfers for the first 24 months. Get $200 cashback with $1k minimum spend on eligible purchases within 90 days of card approval. 55 interest free days and low on-going rate of 13.74% on all purchases.

    Balance transfer rate
    Purchase rate
    Annual fee
    Rewards program
    Estimated savings
    0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
    13.74% p.a.
    $59
    -
    Compare
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    Details
  • St.George Amplify Platinum

    80,000 bonus Amplify Points (min $3,000 spend within 90 days. 0% p.a. for 15 months on balance transfers requested at card application (1% BT fee). New cards only, Eligibility criteria and T&Cs apply. Offer ends 28th September 2021.

    Balance transfer rate
    Purchase rate
    Annual fee
    Rewards program
    Estimated savings
    0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
    19.74% p.a.
    $99
    Amplify Rewards
    Compare
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    Details
  • Apply By 29 July 2021
    Citi Rewards

    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 30 months and then 22.24% p.a.
    21.49% p.a.
    $149 $49 in the first year
    Citi Rewards Program
    Compare
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    Details
  • NAB Low Rate Card

    0% p.a. interest on balance transfers for the first 20 months (2% fee), plus a low ongoing purchase rate after that means you can spend with confidence. There's also up to 55 interest free days on purchases to help you manage your budget better.

    Balance transfer rate
    Purchase rate
    Annual fee
    Rewards program
    Estimated savings
    0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
    12.99% p.a.
    $59
    -
    Compare
    Go to site
    Details
  • Bank of Melbourne Amplify Platinum

    Earn 60,000 bonus Qantas Points (min $3,000 spend in the first 3 months). New cards only, Eligibility criteria and T&Cs apply. Offer ends 28th September 2021.

    Balance transfer rate
    Purchase rate
    Annual fee
    Rewards program
    Estimated savings
    0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
    19.74% p.a.
    $99
    Qantas Frequent Flyer
    Compare
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    Details
  • St.George Amplify Signature

    Earn up to 200,000 Bonus Amplify Rewards Points over 2 years (100k yr 1, 100k yr 2) when you spend $12k on eligible purchases each year. New cards only, Eligibility criteria and T&Cs apply. Offer ends 28th September 2021.

    Balance transfer rate
    Purchase rate
    Annual fee
    Rewards program
    Estimated savings
    0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
    19.74% p.a.
    $279
    Amplify Rewards
    Compare
    Go to site
    Details

^See information about the Mozo Experts Choice Credit cards Awards

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

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Credit Card Reviews

Community First Credit Union Low Rate Pink Credit Card review
Overall 10/10
Great rate 8.99% and personal service

Best bank .. I know words no one ever says right. But you haven't dealt with the team from Community First Credit Union they can't help enough and they support Breast Cancer research and support with the PINK VISA at 8.99% how good is the rate. So get online and apply get rid of your credit debt quicker

Read full review

Best bank .. I know words no one ever says right. But you haven't dealt with the team from Community First Credit Union they can't help enough and they support Breast Cancer research and support with the PINK VISA at 8.99% how good is the rate. So get online and apply get rid of your credit debt quicker

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Renae, New South Wales, reviewed about 15 hours ago
Virgin Money Virgin Australia Velocity High Flyer Card review
Overall 10/10
Great customer service

Excellent customer service and excellent bonus point , interest-free and shopping voucher offers.

Read full review

Excellent customer service and excellent bonus point , interest-free and shopping voucher offers.

Price
10/10
Features
8/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Michelle, Victoria, reviewed about 15 hours ago
NAB Credit Card review
Overall 5/10
NAB Bank review

I joined the NAB when it took over BNZ. It is no better or worse than any of the big four Banks and pays little attention to its customers. It provides minimum service.

Read full review

I joined the NAB when it took over BNZ. It is no better or worse than any of the big four Banks and pays little attention to its customers. It provides minimum service.

Price
4/10
Features
4/10
Customer service
3/10
Convenience
5/10
Trust
3/10
Less
Nicholas, New South Wales, reviewed 4 days ago

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