Balance Transfer Offers & Deals

Balance Transfer Credit Cards

Get yourself the best balance transfer credit card deal for you. Credit Card City has sifted through the internet, to give you the lowest balance transfer credit card offers. If you are not happy with your current credit card, then it makes sense to transfer your balance to a lower interest rate. Balance transfer periods range from 6 to 12 months, with interest rates on those transfers ranging from 0% to 5.99%. Compare our balance transfer offers below and save.

ANZ Balance Visa

Choose how you would like to be rewarded.
Cash back, Shopping discounts or gift vouchers.
Reward Point for every $1 you repay to your balance
Choose how often you would like to be rewarded.
12.74% p.a. purchases.
0% for 6 months on balance transfers.
Earn 1 Reward Point for every $1 you repay.
Save time and apply online.

Purchase Rate	BalanceTransfers	Card Type	Annual Fee	Interest Free Days
12.74%	0% 6 months	Visa	$57	55 days

Citi Emirates Card

4.9% p.a. for life on the balances transferred.
Minimun $50,000 income to apply.
1.5 Skywards Miles per $1 spent.
Complimentary lounge access in Australia and Dubai.
Complimentary Chauffeur-drive service to and from Australian airports.
Lower annual fee than competing airline cards at $199.
Ability to earn and redeem Skywards Miles on Virgin Blue flights.
Free international travel and purchase cover insurance.
International award-winning airline that flies to over 100 destinations on six continents.
24/7 Personal Concierge around the world.
Save time and apply online.

Purchase Rate	Balance Transfers	Card Type	Annual Fee	Interest Free Days
19.99%	4.9% for life	Mastercard	$199	55 days

Woolworths Everyday Money

Enjoy a great rewards program that gives you real value rewards, simply by using the credit card on your everyday shopping.
$0 annual fee for the first year.
5.99% on balance transfers for 6 months.
Every time you shop using your Everyday Money Card, you'll earn reward points, up to 3 points per $1 spent.
Earn a shopping card every 4 months to spend on groceries, liqour, petrol, electronics and more.
Choice of four fresh colours.
Save time by applying online.

Purchase Rate	Balance Transfers	Card Type	Annual Fee	Interest Free Days
17.99%	5.99% 6 months	Mastercard	$49	55 days

Aussie Mastercard

4.99% p.a on balance transfers for the 1st 12 months.
9.99% p.a. on purchases for the 1st 12 months.
Reverts to a great low rate on purchases, now just 11.49% p.a.
Low annual account fee of $49.
Terms and conditions apply.
Apply now for the low rate Aussie MasterCard.

Purchase Rate	Balance Transfers	Card Type	Annual Fee	Interest Free Days
11.49%	4.99% 12 months	Mastercard	$49	55 days

BP Citibank Mastercard

Save 5% off BP petrol and anything you buy at BP.
2.9% for 12 months on balance transfers.
Save up to $660 per year.
Credit limit of up to $25,000.
0.5% off everything else you buy anywhere.
19.89% p.a on purchases.
Save time and apply online.

Purchase Rate	Balance Transfers	Card Type	Annual Fee	Interest Free Days
19.89%	2.9% 12 months	Mastercard	$79	55 days

St George Vertigo Mastercard

A low rate on purchases of 10.99% p.a.
0% p.a. balance transfer rate for up to 6 months.
Awarded Cheapest Balance Transfer Credit Card by Money Magazine 2009.
Up to 55 interest free days on purchases.
Low $55 annual fee.
An additional card for a friend or family member, with all transactions on one statement.
Linked access to your other St.George accounts, for the ease of one card banking.
Instant discounts and added extras with St.George Instant Benefits.
Save time by applying online.

Purchase Rate	Balance Transfers	Card Type	Annual Fee	Interest Free Days
10.99%	0% 6 months	Mastercard	$55	55 days

Citibank Clear Platinum

A low 10.99% on purchases.
A low annual fee of $85 p.a.
Access to limited edition entertainment experiences through Visa Platinum Privileges.
Access to Visa Concierge that gets you anything at anytime.
Free International Travel Insurance.
0% p.a. on balance transfers for the first 6 months.
Save time by applying online.

Purchase Rate	Balance Transfers	Card Type	Annual Fee	Interest Free Days
10.99%	0% 6 months	Visa	$85	55 days

Balance Transfer Guide

Balance transfer credit cards can be difficult to understand, therefore Credit Card City has put together a guide that can help you decide whether a balance transfer credit card is right for you

What is a Balance Transfer Credit Card?

A balance transfer is an offer, that gives you the opportunity to transfer the outstanding balance on your current credit card, or credit cards, to a new card with a special introductory period with little or no interest rate owing on the outstanding balance.

Who can Apply for a Balance Transfer Deal?

Basically anyone that has a credit card, along side with good credit, can apply for a balance transfer offer.

What is the Advantage of a Credit Card Balance Transfer?

If you are paying a high interest rate around the 20% mark, and have a high outstanding balance, then a balance transfer can benefit you. Many banks are giving a special introductory rate of 0% for 6 months, this gives you the opportunity to pay off your previous balance within a 6 month period, saving you money with interest rate repayments. These credit cards also have interest rates of around 11%, giving you a lower interest rate on future charges you may make. The only thing to look out for is that if you do not pay the outstanding amount within the allocated period, the interest rate reverts back to a cash advance rate, that is normally around 20% for most banks.

Are There Fees and Charges Involved in a Balance Transfer?

Each bank differs, when it comes to fees and charges for a balance transfer. In order to get the exact cost involved with making a transfer, be sure to read the fine print of the credit card offers.

How Can You Find the Best Balance Transfer Offer?

The best way to get the best balance transfer credit card for you is to shop around, compare and don't rush into any deal. Banks and credit card providers offer a wide range of balance transfer deals every year. These deals can range from 5.99 percent for a year to 0% for 6 months. Shop around and decide for yourself, what is the best offer for me?

Balance Transfer Articles

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Voted Best Balance Transfer Credit Card for 2008

The St George Vertigo MasterCard has recently received Money Magazines prestigious award, for the best balance transfer credit card. At the moment St George is offering a 6 month, 0% interest rate on transfers from your old card balance. Balance transfer offers have been very popular as of late, due to the fact that if [...]