Compare (ALL) 109 of Australia's Best 0% Balance Transfer Cards

Compare the top balance transfer credit card offers from 45 providers.
Currently the longest 0% balance transfer offer is for 28 months.

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Most credit card comparisons filter out cards that haven't paid to be featured. We don't. There are no sneaky filters and we link to all providers shown to make it easy for you to get what you need. We may receive a commission if you are issued with a credit card.

	Bankwest Zero Platinum Mastercard
Balance transfer offer	0% p.a. for 28 months (reverts to 14.99% p.a.) 3% BT fee applies.
Annual card fee	$0
Visit provider	Go to site
	Bankwest Zero Mastercard
Balance transfer offer	0% p.a. for 28 months (reverts to 14.99% p.a.) 3% BT fee applies.
Annual card fee	$0
Visit provider	Go to site
	Bank of Melbourne Vertigo Visa
Balance transfer offer	0% p.a. for 28 months (reverts to 21.49% p.a.) 1% BT fee.
Annual card fee	$55
Visit provider	Go to site
	BankSA Vertigo Visa
Balance transfer offer	0% p.a. for 28 months (reverts to 21.49% p.a.) 1% BT fee.
Annual card fee	$55
Visit provider	Go to site
	St.George Bank Rainbow Vertigo Visa
Balance transfer offer	0% p.a. for 28 months (reverts to 21.49% p.a.) 1% BT fee.
Annual card fee	$55
Visit provider	Go to site
	St.George Bank Vertigo Visa
Balance transfer offer	0% p.a. for 28 months (reverts to 21.49% p.a.) 1% BT fee.
Annual card fee	$55
Visit provider	Go to site
	Westpac Low Rate Card
Balance transfer offer	0% for 28 months (reverts to 21.49% p.a.) 2% BT fee.
Annual card fee	$59 ($0 in first year for existing Westpac customers)
Visit provider	Go to site
	NAB Low Rate Credit Card - Balance Transfer Offer
Balance transfer offer	0% for 28 months (reverts to 21.74% p.a.) 2% BT fee applies.
Annual card fee	$0 in first year, then $59
Visit provider	Go to site
	ANZ Low Rate Balance Transfer Offer
Balance transfer offer	0% for 28 months (reverts to 21.99% p.a.) 3% BT fee applies.
Annual card fee	$0 in first year, then $58
Visit provider	Go to site
	Citi Clear Credit Card
Balance transfer offer	0% for 28 months (reverts to 22.24% p.a.) 2% BT fee applies.
Annual card fee	$99
Visit provider	Go to site
	Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Balance transfer offer	0% for 24 months (reverts to 20.99% p.a.) No BT fee.
Annual card fee	$0 in first year, then $149
Visit provider	Go to site
	Bank of Melbourne Amplify Rewards Platinum
Balance transfer offer	0% for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.
Annual card fee	$49 in first year, then $124
Visit provider	Go to site
	BankSA Amplify Rewards Platinum
Balance transfer offer	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.
Annual card fee	$49 in first year, then $124
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	St.George Amplify Rewards Platinum
Balance transfer offer	0% for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.
Annual card fee	$49 in first year, then $124
Visit provider	Go to site
	Bank of Melbourne Amplify Platinum Qantas
Balance transfer offer	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.
Annual card fee	$174 in first year, then $199
Visit provider	Go to site
	BankSA Amplify Rewards Platinum Qantas
Balance transfer offer	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.
Annual card fee	$174 in first year, then $199
Visit provider	Go to site
	St.George Amplify Qantas Platinum
Balance transfer offer	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.
Annual card fee	$174 in first year, then $199
Visit provider	Go to site
	Bank of Melbourne Amplify Rewards Signature
Balance transfer offer	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.
Annual card fee	$199 in first year, then $295
Visit provider	Go to site
	BankSA Amplify Rewards Signature
Balance transfer offer	0% p.a. for 24 months (reverts to 21.49% p.a.)1% BT fee applies.
Annual card fee	$199 in first year, then $295
Visit provider	Go to site
	St.George Amplify Rewards Signature
Balance transfer offer	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.
Annual card fee	$199 in first year, then $295
Visit provider	Go to site
	Bank of Melbourne Amplify Signature Qantas
Balance transfer offer	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.
Annual card fee	$370
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	BankSA Amplify Signature Qantas
Balance transfer offer	0% p.a. for 24 months reverts to 21.49% p.a. 1% BT fee applies.
Annual card fee	$370
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	St.George Amplify Qantas Signature
Balance transfer offer	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.
Annual card fee	$370
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	HSBC Low Rate Credit Card
Balance transfer offer	0% for 20 months (reverts to 25.99% p.a.) 2% BT fee applies.
Annual card fee	$99
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	Suncorp
Balance transfer offer	0% for 20 months (reverts to 21.99% p.a.) 1% BT fee applies.
Annual card fee	$55
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	BOQ Low Rate Credit Card
Balance transfer offer	0% p.a. for 18 months reverts to 21.49% p.a. No BT fee.
Annual card fee	$55
Visit provider	Go to site
	Kogan Money Credit Card - Balance Transfer Offer
Balance transfer offer	0% p.a. for 18 months (reverts to 21.74% p.a.) No BT fee.
Annual card fee	$0
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	Coles Low Rate Mastercard
Balance transfer offer	0% for 15 months (reverts to 19.99% p.a.) 1.5% BT fee applies.
Annual card fee	$58
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	Virgin Money Low Rate Credit Card
Balance transfer offer	0% for 15 months (reverts to 21.69% p.a.) No BT fee applies.
Annual card fee	$99
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	Community First Bank Low Rate Credit Card
Balance transfer offer	0% p.a. for 12 months (reverts to 8.99% p.a.) No BT fee.
Annual card fee	$40
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	Community First Bank Low Rate Blue Credit Card
Balance transfer offer	0% p.a. for 12 months (reverts to 8.99% p.a.) No BT fee.
Annual card fee	$40
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	Community First Bank Low Rate Pink Credit Card
Balance transfer offer	0% p.a. for 12 months (reverts to 8.99% p.a.) No BT fee.
Annual card fee	$40
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	Easy Street Easy Low Rate Visa Credit Card
Balance transfer offer	0% p.a. for 12 months (reverts to 8.99% p.a.) No BT fee.
Annual card fee	$40
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	Auswide Bank Low Rate Visa
Balance transfer offer	0% p.a. for 12 months reverts to 10.99% p.a. No BT fee.
Annual card fee	$50
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	Heritage Bank Gold Low Rate
Balance transfer offer	0% p.a. for 12 months (reverts to 11.80% p.a.) Fee may apply.
Annual card fee	$0
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	Australian Military Bank Low Rate Visa Card
Balance transfer offer	0% p.a. for 12 months (reverts to 11.99% p.a.) Fee may apply.
Annual card fee	$49
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	Beyond Bank Low Rate Visa Credit Card
Balance transfer offer	0% p.a. for 12 months (reverts to 11.99% p.a.) Fee may apply.
Annual card fee	$49
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	QBANK Bluey Card
Balance transfer offer	0% p.a. for 12 months (reverts to 12.49% p.a.) Fee may apply.
Annual card fee	$0
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	Bankwest Breeze Classic Mastercard
Balance transfer offer	0% p.a. for 12 months (reverts to 12.99% p.a.) 2% BT fee applies.
Annual card fee	$49
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	Bankwest Breeze Platinum Mastercard
Balance transfer offer	0% p.a. for 12 months (reverts to 12.99% p.a.) 2% BT fee applies.
Annual card fee	$69
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	Summerland Bank Rewards Rate Card
Balance transfer offer	0% p.a. for 12 months (reverts to 18.99% p.a.) No BT fee.
Annual card fee	$0 in first year, then $79
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	Heritage Bank Platinum
Balance transfer offer	0% p.a. for 12 months (reverts to 19.99% p.a. Fee may apply.
Annual card fee	$125 (waived if you spend over $35k/year)
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	Virgin Money No Annual Fee Credit Card
Balance transfer offer	0% p.a. for 12 months (reverts to 20.99% p.a.) No BT fee.
Annual card fee	$0
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	Virgin Money Velocity Flyer Card - Bonus Points Offer
Balance transfer offer	0% p.a. for 12 months (reverts to 20.99% p.a.) No BT fee.
Annual card fee	$74 in first year, then $149
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	Virgin Money Velocity High Flyer Card
Balance transfer offer	0% p.a. for 12 months (reverts to 20.99% p.a.) No BT fee.
Annual card fee	$329
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	NAB Low Fee Card
Balance transfer offer	0% p.a. for 12 months (reverts to 21.74% p.a.) 3% BT fee applies.
Annual card fee	$30
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	NAB Low Rate Card - Cashback offer
Balance transfer offer	0% p.a. for 12 months (reverts to 21.74% p.a.) 3% BT fee applies.
Annual card fee	$59
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	NAB Low Fee Platinum Card
Balance transfer offer	0% p.a. for 12 months (reverts to 21.74% p.a.) 3% BT fee applies.
Annual card fee	$90
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	BOQ Platinum Rewards Credit Card
Balance transfer offer	0% p.a. for 12 months (reverts to 21.74% p.a.) 1% BT fee applies.
Annual card fee	$65 in first year, then $129
Visit provider	Go to site
	NAB Rewards Platinum Credit Card
Balance transfer offer	0% p.a. for 12 months (reverts to 21.74% p.a.) 3% BT fee applies.
Annual card fee	$45 in first year, then $195
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	NAB Qantas Rewards Premium Credit Card
Balance transfer offer	0% p.a. for 12 months (reverts to 21.74% p.a.) 3% BT fee applies.
Annual card fee	$150 in first year, then $250
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	NAB Rewards Signature Credit Card
Balance transfer offer	0% p.a. for 12 months (reverts to 21.74% p.a.) 3% BT fee applies.
Annual card fee	$145 in first year, then $295
Visit provider	Go to site
	NAB Qantas Rewards Signature Card
Balance transfer offer	0% p.a. for 12 months (reverts to 21.74% p.a.) 3% BT fee applies.
Annual card fee	$295 in first year, then $395
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	HSBC Premier World Mastercard
Balance transfer offer	0% p.a. for 12 months (reverts to 21.99% p.a.) 2% BT fee applies.
Annual card fee	$0
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	Qantas Premier Everyday
Balance transfer offer	0% p.a. for 12 months (reverts to 21.99% p.a.) No BT fee.
Annual card fee	$49
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	HSBC Platinum Credit Card
Balance transfer offer	0% p.a. for 12 months (reverts to 21.99% p.a.) 2% BT fee applies.
Annual card fee	$0 in first year, then $149
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	Suncorp Clear Options Platinum Credit Card Qantas Points Offer
Balance transfer offer	0% p.a. for 12 months (reverts to 21.99% p.a.) No BT fee.
Annual card fee	$178
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	HSBC Platinum Qantas Credit Card
Balance transfer offer	0% p.a. for 12 months (reverts to 21.99% p.a.) 2% BT fee applies.
Annual card fee	$0 in first year, then $299
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	Qantas Premier Platinum
Balance transfer offer	0% p.a. for 12 months (reverts to 21.99% p.a.) No BT fee.
Annual card fee	$349 in first year, then $399
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	HSBC Star Alliance Credit Card
Balance transfer offer	0% p.a. for 12 months (reverts to 21.99% p.a.) 2% BT fee applies.
Annual card fee	$0 in first year, then $450
Visit provider	Go to site
	Citi Rewards Card - Purchase and Balance Transfer Offer
Balance transfer offer	0% p.a. for 12 months (reverts to 22.24% p.a.) No BT fee.
Annual card fee	$199
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	Summerland Credit Union Low Rate Card
Balance transfer offer	0% p.a. for 9 months (reverts to 11.99% p.a.) No BT fee.
Annual card fee	$0 in first year, then $49
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	BOQ Blue Visa Credit Card
Balance transfer offer	0% p.a. for 9 months (reverts to 21.74% p.a.) No BT fee.
Annual card fee	$60
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	Suncorp Clear Options Platinum Credit Card
Balance transfer offer	0% p.a. for 9 months (reverts to 21.99% p.a.) No BT fee.
Annual card fee	$99 in first year, then $129
Visit provider	Go to site
	MOVE Bank Low Rate Credit Card
Balance transfer offer	0% p.a. for 6 months (reverts to 8.99% p.a.) No BT fee.
Annual card fee	$0 in first year, then $59
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	Credit Union SA Workplace Benefits Credit Card
Balance transfer offer	0% p.a. for 6 months (reverts to 11.49% p.a.) No BT fee.
Annual card fee	$0
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	Credit Union SA Education Community Credit Card
Balance transfer offer	0% p.a. for 6 months (reverts to 11.99% p.a.) No BT fee.
Annual card fee	$0
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	Credit Union SA Visa Credit Card
Balance transfer offer	0% p.a. for 6 months (reverts to 11.99% p.a.) No BT fee.
Annual card fee	$59
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	Coastline Visa Credit Card
Balance transfer offer	0% p.a. for 6 months (reverts to 18.25% p.a.) No BT fee.
Annual card fee	$0
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	Coles No Annual Fee Mastercard
Balance transfer offer	0% p.a. for 6 months (reverts to 19.99% p.a.) No BT fee. Apply by 30 June 2024.
Annual card fee	$0
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	Coles Rewards Mastercard
Balance transfer offer	0% p.a. for 6 months (reverts to 19.99% p.a.) No BT fee. Apply by 29 Feb 2024.
Annual card fee	$99
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	Bankwest More Classic Mastercard
Balance transfer offer	0% p.a. for 6 months (reverts to 19.99% p.a.) 1% BT fee applies.
Annual card fee	$100
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	Bankwest More Platinum Mastercard
Balance transfer offer	0% p.a. for 6 months (reverts to 19.99% p.a.) 1% BT fee applies.
Annual card fee	$160
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	Bankwest More World Mastercard
Balance transfer offer	0% p.a. for 6 months (reverts to 19.99% p.a.) 1% BT fee applies.
Annual card fee	$270
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	Kogan Money Credit Card
Balance transfer offer	0% p.a. for 6 months (reverts to 21.74% p.a.)
Annual card fee	$0
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	Suncorp Clear Options Standard Credit Card
Balance transfer offer	0% p.a. for 6 months (reverts to 21.99% p.a.) No BT fee.
Annual card fee	$0 in first year, then $55
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	Qantas Titanium Card
Balance transfer offer	0% p.a. for 6 months (reverts to 21.99% p.a.) No BT fee. Apply by 1 May 2024.
Annual card fee	$1,200
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	Citi Simplicity Credit Card
Balance transfer offer	0% p.a. for 6 months (reverts to 22.24% p.a.) 2% BT fee applies.
Annual card fee	$0
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	Citi Rewards Card Velocity Points Offer
Balance transfer offer	0% p.a. for 6 months (reverts to 22.24% p.a.) No BT fee.
Annual card fee	$199
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	Citi Premier Credit Card
Balance transfer offer	0% p.a. for 6 months (reverts to 22.24% p.a.) No BT fee.
Annual card fee	$150 in first year, and subsequent years when you spend $48k in previous year (otherwise $300)
Visit provider	Go to site
	Citi Premier Credit Card Luxury Escapes Offer
Balance transfer offer	0% p.a. for 6 months (reverts to 22.24% p.a.) No BT fee.
Annual card fee	$150 in first year, and subsequent years when you spend $48k in previous year (otherwise $300)
Visit provider	Go to site
	Citi Premier Credit Card Cashback Offer
Balance transfer offer	0% p.a. for 6 months (reverts to 22.24% p.a.) No BT fee.
Annual card fee	$300 in first year, and $150 in subsequent years when you spend $48k (otherwise $300)
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	Citi Prestige Credit Card
Balance transfer offer	0% p.a. for 6 months (reverts to 22.24% p.a.) No BT fee.
Annual card fee	$700
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	Citi Prestige Qantas Credit Card
Balance transfer offer	0% p.a. for 6 months (reverts to 22.24% p.a.) No BT fee.
Annual card fee	$749
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	Bankwest Qantas Platinum Mastercard
Balance transfer offer	2.99% p.a. for 9 months (reverts to 19.99% p.a.) No BT fee.
Annual card fee	$160
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	Bankwest Qantas World Mastercard
Balance transfer offer	2.99% p.a. for 9 months (reverts to 19.99% p.a.) No BT fee.
Annual card fee	$270
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	People's Choice Low Rate Visa Credit Card
Balance transfer offer	2.99% p.a. for 6 months (reverts to 12.95% p.a.) No BT fee.
Annual card fee	$59
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	Defence Bank Foundation Credit Card
Balance transfer offer	3.99% p.a. for 6 months (reverts to 8.99% p.a.) No BT fee.
Annual card fee	$45 (half is donated to the Defence Bank Foundation).
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	National Seniors Credit Card
Balance transfer offer	4.99% p.a. for 6 months (reverts to 8.99%p.a.)
Annual card fee	$40
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	Geelong Bank Amigo Credit Card
Balance transfer offer	4.99% p.a. for 6 months (reverts to 11.99% p.a.) No BT fee.
Annual card fee	$49
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	Qudos Bank Lifestyle
Balance transfer offer	4.99% p.a. for 5 months (reverts to 12.84% p.a.)
Annual card fee	$0
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	Horizon Bank Visa Credit Card
Balance transfer offer	4.99% p.a. for 5 months (reverts to 12.95% p.a.) No BT fee.
Annual card fee	$0
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	Qudos Bank Lifestyle Plus
Balance transfer offer	4.99% p.a. for 5 months (reverts to 16.35% p.a.)
Annual card fee	$0
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	Qudos Bank Visa Platinum Credit Card
Balance transfer offer	4.99% p.a. for 5 months (reverts to 19.49% p.a.)
Annual card fee	$199
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	Goulburn Murray Credit Union amigo Credit Card
Balance transfer offer	5.49% p.a. for 6 months (reverts to 12.00% p.a.) No BT fee.
Annual card fee	$49
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	Macquarie Credit Union Visa Credit Card
Balance transfer offer	6.95% p.a. for 6 months (reverts to 12.99% p.a.) No BT fee.
Annual card fee	$30
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	Bank of Melbourne Vertigo Visa (Cashback Offer)
Balance transfer offer	6.99%.p.a. for 12 months (reverts to 21.49% p.a.) No BT fee.
Annual card fee	$55
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	BankSA Vertigo Visa (Cashback Offer)
Balance transfer offer	6.99% p.a. for 12 months (reverts to 21.49% p.a.) No BT fee.
Annual card fee	$55
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	St.George Bank Vertigo Visa Cashback Offer
Balance transfer offer	6.99% p.a. for 12 months (reverts to 21.49% p.a.) No BT fee.
Annual card fee	$55
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	Unity Bank Visa Card
Balance transfer offer	7.74% p.a. for 6 months (reverts to 13.49% p.a.) No BT fee.
Annual card fee	$0 in first year, then $60.
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	Firefighters Mutual Bank Credit Card
Balance transfer offer	7.90% p.a. for 6 months (reverts to 11.50% p.a.) No BT fee.
Annual card fee	$0
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	Health Professionals Bank Credit Card
Balance transfer offer	7.90% p.a. for 6 months (reverts to 11.50% p.a.) No BT fee.
Annual card fee	$0
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	Teachers Mutual bank Credit Card
Balance transfer offer	7.90% p.a. for 6 months (reverts to 11.50% p.a.) No BT fee.
Annual card fee	$0
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	UniBank bank Credit Card
Balance transfer offer	7.90% p.a. for 6 months (reverts to 11.50% p.a.) No BT fee.
Annual card fee	$0
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	BankVic Low Rate Visa
Balance transfer offer	8.99% p.a. for 6 months (reverts to 13.95% p.a.) No BT fee.
Annual card fee	$0
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	BankVic Qantas Visa
Balance transfer offer	8.99% p.a. for 6 months (reverts to 18.95% p.a.) No BT fee.
Annual card fee	$0
Visit provider	Go to site

	Balance transfer offer	Annual card fee	Visit provider
Bankwest Zero Platinum Mastercard	0% p.a. for 28 months (reverts to 14.99% p.a.) 3% BT fee applies.	$0	Go to site
Bankwest Zero Mastercard	0% p.a. for 28 months (reverts to 14.99% p.a.) 3% BT fee applies.	$0	Go to site
Bank of Melbourne Vertigo Visa	0% p.a. for 28 months (reverts to 21.49% p.a.) 1% BT fee.	$55	Go to site
BankSA Vertigo Visa	0% p.a. for 28 months (reverts to 21.49% p.a.) 1% BT fee.	$55	Go to site
St.George Bank Rainbow Vertigo Visa	0% p.a. for 28 months (reverts to 21.49% p.a.) 1% BT fee.	$55	Go to site
St.George Bank Vertigo Visa	0% p.a. for 28 months (reverts to 21.49% p.a.) 1% BT fee.	$55	Go to site
Westpac Low Rate Card	0% for 28 months (reverts to 21.49% p.a.) 2% BT fee.	$59 ($0 in first year for existing Westpac customers)	Go to site
NAB Low Rate Credit Card - Balance Transfer Offer	0% for 28 months (reverts to 21.74% p.a.) 2% BT fee applies.	$0 in first year, then $59	Go to site
ANZ Low Rate Balance Transfer Offer	0% for 28 months (reverts to 21.99% p.a.) 3% BT fee applies.	$0 in first year, then $58	Go to site
Citi Clear Credit Card	0% for 28 months (reverts to 22.24% p.a.) 2% BT fee applies.	$99	Go to site
Virgin Australia Velocity Flyer Card - Balance Transfer Offer	0% for 24 months (reverts to 20.99% p.a.) No BT fee.	$0 in first year, then $149	Go to site
Bank of Melbourne Amplify Rewards Platinum	0% for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.	$49 in first year, then $124	Go to site
BankSA Amplify Rewards Platinum	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.	$49 in first year, then $124	Go to site
St.George Amplify Rewards Platinum	0% for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.	$49 in first year, then $124	Go to site
Bank of Melbourne Amplify Platinum Qantas	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.	$174 in first year, then $199	Go to site
BankSA Amplify Rewards Platinum Qantas	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.	$174 in first year, then $199	Go to site
St.George Amplify Qantas Platinum	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.	$174 in first year, then $199	Go to site
Bank of Melbourne Amplify Rewards Signature	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.	$199 in first year, then $295	Go to site
BankSA Amplify Rewards Signature	0% p.a. for 24 months (reverts to 21.49% p.a.)1% BT fee applies.	$199 in first year, then $295	Go to site
St.George Amplify Rewards Signature	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.	$199 in first year, then $295	Go to site
Bank of Melbourne Amplify Signature Qantas	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.	$370	Go to site
BankSA Amplify Signature Qantas	0% p.a. for 24 months reverts to 21.49% p.a. 1% BT fee applies.	$370	Go to site
St.George Amplify Qantas Signature	0% p.a. for 24 months (reverts to 21.49% p.a.) 1% BT fee applies.	$370	Go to site
HSBC Low Rate Credit Card	0% for 20 months (reverts to 25.99% p.a.) 2% BT fee applies.	$99	Go to site
Suncorp	0% for 20 months (reverts to 21.99% p.a.) 1% BT fee applies.	$55	Go to site
BOQ Low Rate Credit Card	0% p.a. for 18 months reverts to 21.49% p.a. No BT fee.	$55	Go to site
Kogan Money Credit Card - Balance Transfer Offer	0% p.a. for 18 months (reverts to 21.74% p.a.) No BT fee.	$0	Go to site
Coles Low Rate Mastercard	0% for 15 months (reverts to 19.99% p.a.) 1.5% BT fee applies.	$58	Go to site
Virgin Money Low Rate Credit Card	0% for 15 months (reverts to 21.69% p.a.) No BT fee applies.	$99	Go to site
Community First Bank Low Rate Credit Card	0% p.a. for 12 months (reverts to 8.99% p.a.) No BT fee.	$40	Go to site
Community First Bank Low Rate Blue Credit Card	0% p.a. for 12 months (reverts to 8.99% p.a.) No BT fee.	$40	Go to site
Community First Bank Low Rate Pink Credit Card	0% p.a. for 12 months (reverts to 8.99% p.a.) No BT fee.	$40	Go to site
Easy Street Easy Low Rate Visa Credit Card	0% p.a. for 12 months (reverts to 8.99% p.a.) No BT fee.	$40	Go to site
Auswide Bank Low Rate Visa	0% p.a. for 12 months reverts to 10.99% p.a. No BT fee.	$50	Go to site
Heritage Bank Gold Low Rate	0% p.a. for 12 months (reverts to 11.80% p.a.) Fee may apply.	$0	Go to site
Australian Military Bank Low Rate Visa Card	0% p.a. for 12 months (reverts to 11.99% p.a.) Fee may apply.	$49	Go to site
Beyond Bank Low Rate Visa Credit Card	0% p.a. for 12 months (reverts to 11.99% p.a.) Fee may apply.	$49	Go to site
QBANK Bluey Card	0% p.a. for 12 months (reverts to 12.49% p.a.) Fee may apply.	$0	Go to site
Bankwest Breeze Classic Mastercard	0% p.a. for 12 months (reverts to 12.99% p.a.) 2% BT fee applies.	$49	Go to site
Bankwest Breeze Platinum Mastercard	0% p.a. for 12 months (reverts to 12.99% p.a.) 2% BT fee applies.	$69	Go to site
Summerland Bank Rewards Rate Card	0% p.a. for 12 months (reverts to 18.99% p.a.) No BT fee.	$0 in first year, then $79	Go to site
Heritage Bank Platinum	0% p.a. for 12 months (reverts to 19.99% p.a. Fee may apply.	$125 (waived if you spend over $35k/year)	Go to site
Virgin Money No Annual Fee Credit Card	0% p.a. for 12 months (reverts to 20.99% p.a.) No BT fee.	$0	Go to site
Virgin Money Velocity Flyer Card - Bonus Points Offer	0% p.a. for 12 months (reverts to 20.99% p.a.) No BT fee.	$74 in first year, then $149	Go to site
Virgin Money Velocity High Flyer Card	0% p.a. for 12 months (reverts to 20.99% p.a.) No BT fee.	$329	Go to site
NAB Low Fee Card	0% p.a. for 12 months (reverts to 21.74% p.a.) 3% BT fee applies.	$30	Go to site
NAB Low Rate Card - Cashback offer	0% p.a. for 12 months (reverts to 21.74% p.a.) 3% BT fee applies.	$59	Go to site
NAB Low Fee Platinum Card	0% p.a. for 12 months (reverts to 21.74% p.a.) 3% BT fee applies.	$90	Go to site
BOQ Platinum Rewards Credit Card	0% p.a. for 12 months (reverts to 21.74% p.a.) 1% BT fee applies.	$65 in first year, then $129	Go to site
NAB Rewards Platinum Credit Card	0% p.a. for 12 months (reverts to 21.74% p.a.) 3% BT fee applies.	$45 in first year, then $195	Go to site
NAB Qantas Rewards Premium Credit Card	0% p.a. for 12 months (reverts to 21.74% p.a.) 3% BT fee applies.	$150 in first year, then $250	Go to site
NAB Rewards Signature Credit Card	0% p.a. for 12 months (reverts to 21.74% p.a.) 3% BT fee applies.	$145 in first year, then $295	Go to site
NAB Qantas Rewards Signature Card	0% p.a. for 12 months (reverts to 21.74% p.a.) 3% BT fee applies.	$295 in first year, then $395	Go to site
HSBC Premier World Mastercard	0% p.a. for 12 months (reverts to 21.99% p.a.) 2% BT fee applies.	$0	Go to site
Qantas Premier Everyday	0% p.a. for 12 months (reverts to 21.99% p.a.) No BT fee.	$49	Go to site
HSBC Platinum Credit Card	0% p.a. for 12 months (reverts to 21.99% p.a.) 2% BT fee applies.	$0 in first year, then $149	Go to site
Suncorp Clear Options Platinum Credit Card Qantas Points Offer	0% p.a. for 12 months (reverts to 21.99% p.a.) No BT fee.	$178	Go to site
HSBC Platinum Qantas Credit Card	0% p.a. for 12 months (reverts to 21.99% p.a.) 2% BT fee applies.	$0 in first year, then $299	Go to site
Qantas Premier Platinum	0% p.a. for 12 months (reverts to 21.99% p.a.) No BT fee.	$349 in first year, then $399	Go to site
HSBC Star Alliance Credit Card	0% p.a. for 12 months (reverts to 21.99% p.a.) 2% BT fee applies.	$0 in first year, then $450	Go to site
Citi Rewards Card - Purchase and Balance Transfer Offer	0% p.a. for 12 months (reverts to 22.24% p.a.) No BT fee.	$199	Go to site
Summerland Credit Union Low Rate Card	0% p.a. for 9 months (reverts to 11.99% p.a.) No BT fee.	$0 in first year, then $49	Go to site
BOQ Blue Visa Credit Card	0% p.a. for 9 months (reverts to 21.74% p.a.) No BT fee.	$60	Go to site
Suncorp Clear Options Platinum Credit Card	0% p.a. for 9 months (reverts to 21.99% p.a.) No BT fee.	$99 in first year, then $129	Go to site
MOVE Bank Low Rate Credit Card	0% p.a. for 6 months (reverts to 8.99% p.a.) No BT fee.	$0 in first year, then $59	Go to site
Credit Union SA Workplace Benefits Credit Card	0% p.a. for 6 months (reverts to 11.49% p.a.) No BT fee.	$0	Go to site
Credit Union SA Education Community Credit Card	0% p.a. for 6 months (reverts to 11.99% p.a.) No BT fee.	$0	Go to site
Credit Union SA Visa Credit Card	0% p.a. for 6 months (reverts to 11.99% p.a.) No BT fee.	$59	Go to site
Coastline Visa Credit Card	0% p.a. for 6 months (reverts to 18.25% p.a.) No BT fee.	$0	Go to site
Coles No Annual Fee Mastercard	0% p.a. for 6 months (reverts to 19.99% p.a.) No BT fee. Apply by 30 June 2024.	$0	Go to site
Coles Rewards Mastercard	0% p.a. for 6 months (reverts to 19.99% p.a.) No BT fee. Apply by 29 Feb 2024.	$99	Go to site
Bankwest More Classic Mastercard	0% p.a. for 6 months (reverts to 19.99% p.a.) 1% BT fee applies.	$100	Go to site
Bankwest More Platinum Mastercard	0% p.a. for 6 months (reverts to 19.99% p.a.) 1% BT fee applies.	$160	Go to site
Bankwest More World Mastercard	0% p.a. for 6 months (reverts to 19.99% p.a.) 1% BT fee applies.	$270	Go to site
Kogan Money Credit Card	0% p.a. for 6 months (reverts to 21.74% p.a.)	$0	Go to site
Suncorp Clear Options Standard Credit Card	0% p.a. for 6 months (reverts to 21.99% p.a.) No BT fee.	$0 in first year, then $55	Go to site
Qantas Titanium Card	0% p.a. for 6 months (reverts to 21.99% p.a.) No BT fee. Apply by 1 May 2024.	$1,200	Go to site
Citi Simplicity Credit Card	0% p.a. for 6 months (reverts to 22.24% p.a.) 2% BT fee applies.	$0	Go to site
Citi Rewards Card Velocity Points Offer	0% p.a. for 6 months (reverts to 22.24% p.a.) No BT fee.	$199	Go to site
Citi Premier Credit Card	0% p.a. for 6 months (reverts to 22.24% p.a.) No BT fee.	$150 in first year, and subsequent years when you spend $48k in previous year (otherwise $300)	Go to site
Citi Premier Credit Card Luxury Escapes Offer	0% p.a. for 6 months (reverts to 22.24% p.a.) No BT fee.	$150 in first year, and subsequent years when you spend $48k in previous year (otherwise $300)	Go to site
Citi Premier Credit Card Cashback Offer	0% p.a. for 6 months (reverts to 22.24% p.a.) No BT fee.	$300 in first year, and $150 in subsequent years when you spend $48k (otherwise $300)	Go to site
Citi Prestige Credit Card	0% p.a. for 6 months (reverts to 22.24% p.a.) No BT fee.	$700	Go to site
Citi Prestige Qantas Credit Card	0% p.a. for 6 months (reverts to 22.24% p.a.) No BT fee.	$749	Go to site
Bankwest Qantas Platinum Mastercard	2.99% p.a. for 9 months (reverts to 19.99% p.a.) No BT fee.	$160	Go to site
Bankwest Qantas World Mastercard	2.99% p.a. for 9 months (reverts to 19.99% p.a.) No BT fee.	$270	Go to site
People's Choice Low Rate Visa Credit Card	2.99% p.a. for 6 months (reverts to 12.95% p.a.) No BT fee.	$59	Go to site
Defence Bank Foundation Credit Card	3.99% p.a. for 6 months (reverts to 8.99% p.a.) No BT fee.	$45 (half is donated to the Defence Bank Foundation).	Go to site
National Seniors Credit Card	4.99% p.a. for 6 months (reverts to 8.99%p.a.)	$40	Go to site
Geelong Bank Amigo Credit Card	4.99% p.a. for 6 months (reverts to 11.99% p.a.) No BT fee.	$49	Go to site
Qudos Bank Lifestyle	4.99% p.a. for 5 months (reverts to 12.84% p.a.)	$0	Go to site
Horizon Bank Visa Credit Card	4.99% p.a. for 5 months (reverts to 12.95% p.a.) No BT fee.	$0	Go to site
Qudos Bank Lifestyle Plus	4.99% p.a. for 5 months (reverts to 16.35% p.a.)	$0	Go to site
Qudos Bank Visa Platinum Credit Card	4.99% p.a. for 5 months (reverts to 19.49% p.a.)	$199	Go to site
Goulburn Murray Credit Union amigo Credit Card	5.49% p.a. for 6 months (reverts to 12.00% p.a.) No BT fee.	$49	Go to site
Macquarie Credit Union Visa Credit Card	6.95% p.a. for 6 months (reverts to 12.99% p.a.) No BT fee.	$30	Go to site
Bank of Melbourne Vertigo Visa (Cashback Offer)	6.99%.p.a. for 12 months (reverts to 21.49% p.a.) No BT fee.	$55	Go to site
BankSA Vertigo Visa (Cashback Offer)	6.99% p.a. for 12 months (reverts to 21.49% p.a.) No BT fee.	$55	Go to site
St.George Bank Vertigo Visa Cashback Offer	6.99% p.a. for 12 months (reverts to 21.49% p.a.) No BT fee.	$55	Go to site
Unity Bank Visa Card	7.74% p.a. for 6 months (reverts to 13.49% p.a.) No BT fee.	$0 in first year, then $60.	Go to site
Firefighters Mutual Bank Credit Card	7.90% p.a. for 6 months (reverts to 11.50% p.a.) No BT fee.	$0	Go to site
Health Professionals Bank Credit Card	7.90% p.a. for 6 months (reverts to 11.50% p.a.) No BT fee.	$0	Go to site
Teachers Mutual bank Credit Card	7.90% p.a. for 6 months (reverts to 11.50% p.a.) No BT fee.	$0	Go to site
UniBank bank Credit Card	7.90% p.a. for 6 months (reverts to 11.50% p.a.) No BT fee.	$0	Go to site
BankVic Low Rate Visa	8.99% p.a. for 6 months (reverts to 13.95% p.a.) No BT fee.	$0	Go to site
BankVic Qantas Visa	8.99% p.a. for 6 months (reverts to 18.95% p.a.) No BT fee.	$0	Go to site

Info correct as at 2 April 2024. Check with the provider for full card details, including fees, limits, terms and conditions to make sure the card is right for you. While this is an extensive list of the longest balance transfer offers available, we can't guarantee that all cards available in the market are shown. The table is sorted by the following criteria in order: lowest balance transfer rate; offer duration; revert rate; annual fee, provider name (alphabetically).

In our balance transfer credit card guide:

Written bySean CalleryReviewed byBrad Kelly

Last updated8 April 2024

A balance transfer on a credit card means moving your existing credit card balance (or the balances of multiple cards) to a new lower-cost credit card. The aim is to pay off the existing balance(s) faster and save on interest.

Some credit cards come with balance transfer offers, meaning you get a reduced interest rate on your existing balance for a limited ‘balance transfer period’.

The best balance transfer deals offer 0% interest, with balance transfer periods of between between six months and two years, or longer on some cards.

At the end of the introductory period, any remaining balance on the new credit card will have the standard credit card interest rate applied to it.

It's possible to make a balance transfer based on a personal or business credit card balance.

Low or 0% interest for a limited period

Helps you clear credit card debt faster

Watch out for high fees and ‘revert rates’

Shop around to get the best balance transfer deals

Pros and cons of a balance transfer credit card

Benefits of balance transfer credit cards

Access low interest rates or pay no interest at all on your existing balance during an intro period.
Because interest is not being added, you may be able to pay off your credit card balance faster.
The balance transfer intro offer gives you a clear timeframe to work towards.
You may be able to get a credit card that’s better than your existing one overall, even when the offer ends.

Drawbacks of balance transfer credit cards

You will likely be charged a much higher interest rate when the initial offer period ends.
There could be an initial credit card balance transfer fee to pay which will cancel out some of your savings.
The balance transfer interest rate only applies to the existing balance – new purchases will incur interest.
Balance transfer limits mean you may not be able to transfer your entire balance to the new credit card.

How to choose the best balance transfer credit card

Before you commit, it’s important to compare your options to make sure you’re getting the best balance transfer credit card based on your goal. For example:

If the sole purpose of the balance transfer is to clear credit card debt, you might decide to prioritise finding a great introductory interest rate offer and low sign up fees.
If you plan on keeping the card beyond the balance transfer period, you’ll want to pay very close attention to the broader costs and features of the card. You might also choose to consider rewards credit cards or frequent flyer credit cards or a cashback credit card.
Don't assume you can apply for any credit card and do a balance transfer. Some cards don't offer balance transfers at all, e.g. American Express credit cards.

Below are some of the main factors to look at when choosing the best balance transfer credit card for your situation.

The balance transfer rate is the limited-time interest rate applied to the existing credit card balance you move over to the new card.

It’s common to see 0% introductory rates offered by providers for periods ranging from 6-24 months. Te aim is to entice cardholders to make a switch from their current card provider.

Choose the lowest introductory rate to pay the least amount of interest on your transferred balance during the offer period.

Next, you’ll want to look at how long that enticing balance transfer interest rate will last.

Generally balance transfer offers are for 6-24 months depending on the card.

Choose the longest introductory period with the lowest introductory rate to put yourself in the best position for repaying your balance without incurring any interest.

This will depend on your starting balance and the timeframe available – i.e. the duration of the 0% balance transfer offer. But to give you an idea, below are some hypothetical examples based on sample card balances and common balance transfer offer lengths.

Balance	Monthly payment for 12 months	Monthly payment for 18 months	Monthly payment for 24 months
$5,000	$417	$278	$208
$10,000	$833	$556	$417
$15,000	$1,250	$833	$625

Note: These examples assume no new purchases or advances are made using the credit card and that the repayments shown are made every month during the 0% offer period. The examples do not factor in the impact of balance transfer fees that may apply depending on the card you choose, or the impact of an annual card fee that may apply. If fees apply, the repayment required will be higher.

Money Tip: Don’t let a long introductory period allow you to become complacent with your repayments. Create a repayment plan and stick to it.

A balance transfer fee is an amount charged by the provider of a new credit card to transfer your existing balance over. It will either be a fixed amount, or a percentage of the transferred balance (2-3% is common).

For example, a balance transfer fee of 2.5% on a $8,000 balance will mean a $200 upfront fee.

Remember the balance transfer fee will offset any money you save in interest so it’s important to find a low fee to make the balance transfer worth your while overall.

Will the new card allow you to transfer the entire balance of your old card? That is generally beneficial as it means you can completely close the existing credit card account and focus on paying off the balance of the new card.

But when transferring your existing balance, the credit card provider will need to ensure you don’t ‘max out’ the limit on your new card. This means you may only be approved to transfer a percentage of your new credit limit.

When the introductory balance transfer offer period on your new credit card ends, any remaining balance will be subject to the credit card’s standard interest rate. This ‘revert rate’ may be either:

The card’s purchase rate
The card’s cash advance rate

If you're not sure you’ll be able to fully repay the balance transfer from your existing credit card during the offer period, this revert rate is vitally important to consider. Look for a low interest rate credit card.

If not, you could end up paying a very high amount of interest on any remaining unpaid balance. Or indeed if you intend to keep the credit card after the initial balance is cleared.

The last factor to consider when comparing balance transfer credit cards is the new card’s annual fee.

If you plan to repay your existing balance over a number of years, a high annual fee will make clearing your balance all the more challenging. However, there are plenty of no annual fee credit cards to shop around.

How to do a credit card balance transfer

A credit card balance transfer can take anything from a couple of days to three or four weeks, depending on the card provider and the complexity your application.

Here’s what’s involved:

1. Confirm the balance transfer amount: Work out the amount you need to transfer to your new balance transfer credit card. Remember, you can usually transfer multiple balances if needed. the average credit card debt in Australia is around $2,990.
2. Check you’re eligible: The new credit card will have eligibility criteria you’ll need to meet. This generally includes a credit check. You can do a free credit score check in advance to see if you’re in a good position to apply.
3. Submit a credit card application: You’ll need to provide information about the balance transfer amount and the existing credit card provider(s). Like all credit applications you’ll also need to give information about your income and expenses (e.g. payslips and bank statements).
4. Set up the new card and close your old account: Your new provider will help you get set up with online banking so you can manage your card from your phone. If the balance has been completely cleared from your old card, consider closing the account completely to avoid any further spending or being charged fees.

Best ways to repay a balance transfer credit card

Now that you’ve transferred your existing credit card balance to a new card, you’ll want to pay down the balance as quickly as possible, without building up any new debt.

Here are some steps to consider to help you clear your credit card balance faster, with expert tips from financial coach David Rankin.

Improve your credit score with Money Matchmaker

“If you decide to apply and your application is successful, and if the limit of the new card is sufficient to transfer the whole balance of the old card across to the new one, now is your chance to close that old card,” Rankin says.

Contact your provider and ask them to cancel the account completely.

Simply cutting up the card or removing it from your mobile wallet won’t mean the account is cancelled. You’ll still technically have a credit card account and you could still be charged fees.

One thing to watch out for here is whether your old card came with complimentary insurance (e.g. there are some credit cards with travel insurance) you rely on. Once the card is cancelled you will lose that cover.

Pay off your defaults to improve your credit rating

If you only pay the minimum monthly amount, you won’t clear the debt during your credit card's balance transfer period.

Rankin suggests a different approach: "Work out how much needs to be repaid on the new card by the monthly due date to pay off the whole balance within the interest-free term."

You can also make one-off transfers to your credit card if you have any extra cash built up.

"At 0% interest, every dollar you repay is a dollar off the balance, so – if you have the discipline to do so – it’s an opportunity to become debt-free quicker," Rankin says.

Here’s an illustration of the impact of only making the minimum payment, taken from my own most recent credit card statement:

Monthly repayment	Time to repay balance in full	Total interest charged
$75 minimum amount	58 years, 10 months	$16,542.52
Higher repayment of $188.56	2 years	$820.23

Example does not factor in an interest-free period.

This is an important one. New spending on a balance transfer card can be bad news for a couple of reasons:

Adding to your balance will make it harder to clear.
New purchases generally incur interest. In other words, they are not eligible for the low interest balance transfer offer you signed up for.

"The aim of any balance transfer application is to lower your overall credit footprint, not increase it", Rankin explains.

"The new card should be used solely to pay down the old debt, so cut up the new card or do whatever it takes to ensure you don’t spend on it."

The steps above will be easier to do if you have a budget to help manage your spending. It can be helpful to have a written budget (or there are apps you can use) that outlines your regular spending.

By working out how much you need for your essential spending each month, fortnight or week (and some extra for other optional costs if you want) you’ll have a firm budget to work from. For some people, this can be an effective way of avoiding overspending.

Is a balance transfer credit card right for me?

If the plan is executed well, a credit card balance transfer can be an effective way to save on interest and pay off credit card debt faster.

The key is avoiding new spending on the card and paying off your balance during the 0% balance transfer offer period.

If you don’t clear the balance, you may find yourself back at square one, with an expensive, high interest rate credit card.

This is why consolidating credit card debt with a personal loan (which has a fixed term for repaying the debt) is an alternative some people consider.

If you’re struggling with your repayments or you don’t think you will be able to pay down the debt during the credit card balance transfer offer period, it may be wise to seek out help.

"If your situation does not improve, contact your credit card provider regarding hardship options," Rankin says.

The National Debt Helpline (1800 007 007) is also available with free information and advice.

What happens when your balance transfer introductory period ends?

When the introductory period ends on a balance transfer credit card, any remaining debt from the initial balance transfer amount typically reverts to the card’s usual purchase rate (and occasionally the higher cash advance rate on some cards). This will likely be a much higher rate.

If there is still a substantial balance remaining, this will mean you’ll start to incur big interest costs. It’s why it’s important to pay off your balance in full (or as much as possible) during the initial balance transfer offer period if possible.

Can I do a balance transfer with my current credit card provider?

When choosing between balance transfer credit card offers you’ll see plenty of competitive deals and interest-free introductory offers. Your existing provider will likely have a balance transfer offer.

In the first instance, it can be worth speaking to your current provider and telling them you’re considering moving to another bank to take advantage of a balance transfer offer. They may well make a matching balance transfer to keep you as a customer.

However, there are sometimes restrictions on which credit cards you can transfer an existing balance to.

For example, you may find you’re unable to transfer a balance from one card to another with the same provider, or even one provider to another, if they are within the same financial group.

Below is a quick of some of the card issuers in Australia that issue credit cards via a wider group of providers:

Westpac Banking Corporation - Westpac, Bank of Melbourne, BankSA, St.George
NAB Group - NAB, Citi, BOQ, Coles, Suncorp Bank, Virgin Money, Qantas
Macquarie - Macquarie Bank, Jetstar, Myer
Latitude - David Jones

Will a credit card balance transfer affect my credit score?

This depends. In the short term, a credit card application will be recorded on your credit record. If you make multiple applications in a short space of time, this could affect your credit score.

However, if doing a credit card balance transfer means you are better able to make all of your repayments on time consistently and repay your debt faster, this help improve your credit score in the long run.

Again, closing your old credit card account is important here as it will you won’t be managing multiple credit cards, which could increase your chances of missing payments.

Can I get a 0% balance transfer for life?

There are some credit cards in Australia offering 0% interest for the life of the card. However, it’s generally not possible to transfer an existing balance to one of these no-interest credit cards.

If you see balance transfers or other offers promising no interest for a very long period, make sure you read the fine print to understand what conditions are attached.

In reality, it’s unlikely you’ll find 0% interest offers lasting for longer than 24-30 months. If you do, be sure to check if it’s a ‘too good to be true’ situation.

How do purchases on a balance transfer credit card work?

You can use a balance transfer credit card to make purchases or pay expenses (like bills) and withdraw cash (a cash advance) just like you would with any other credit card. Just be aware that you’ll generally be charged interest on these purchases, even during the balance transfer offer period.

Preferential balance transfer credit interest rates offers usually only apply to the balance you transfer to the new card initially.

If you make overseas purchases with your card (i.e. use it as a travel credit card), you may be hit with further fees – the main one being a foreign transaction fee.

Can I get another balance transfer card after the current offer ends?

Theoretically this is a possible, but we wary of using this as a solution to deal with your credit debt.

Credit card applications are recorded on your credit record. Multiple applications within a short period of time will be a red flag for lenders and could damage your credit score.

It's also worth asking yourself why you were not able to clear the debt using the initial balance transfer offer and whether getting another credit card is a good solution to the broader issue. Seek advice from an expert is you are struggling to pay off your debt.

Can a balance transfer credit card be used to repay debt?

Yes, balance transfer credit cards are designed to help the cardholder pay off an existing credit card balance. They do this by offering a low interest rate (or no interest at all) on that debt for a period of time after the balance has been transferred.

However, a balance transfer credit card needs to be carefully managed to make sure the debt is cleared during the offer period, and that no additional debt is added.

Editor

Sean Callery

Credit Cards Expert

Brad Kelly

*Order of products shown is as described in the headings. Where multiple cards have an identical primary attribute (e.g. 0% balance transfer duration), we order the cards based on a secondary factor, such as revert rate. Where all factors are identical, cards are ordered alphabetically by the name of the provider. We have carried out an extensive analysis of the market, but cannot guarantee that all cards available are shown.

Best Balance Transfer Credit Cards

Longest balance transfer credit card offers

What is a balance transfer credit card?

Balance transfer credit cards at a glance

Pros and cons of a balance transfer credit card

Benefits of balance transfer credit cards

Drawbacks of balance transfer credit cards

How to choose the best balance transfer credit card

Balance transfer introductory interest rate

Balance transfer offer duration

What repayments will be needed to clear debt with a 0% balance transfer credit card?

This will depend on your starting balance and the timeframe available – i.e. the duration of the 0% balance transfer offer. But to give you an idea, below are some hypothetical examples based on sample card balances and common balance transfer offer lengths.

Balance transfer fees

Balance transfer credit card limits

The 'revert rate' on the card

Annual credit card fees

How to do a credit card balance transfer

Best ways to repay a balance transfer credit card

1. Cancel your old card immediately

2. Pay more than the minimum repayment amount

Impact of only making minimum payment on a $3,705 balance

3. Avoid new purchases on your balance transfer card

4. Create a spending budget and plan