FEATURED* BALANCE TRANSFER OFFERS

  HSBC Credit Card
  • $0 Annual Fee for the life of the Card*
  • 0%p.a. balance transfer for 6 months*
  • $50 cash back#
  • Low interest rate of just 16.99% p.a.~ on purchases
  • Interest rate of 20.75% p.a.~ on cash advances
  • Up to 55 days interest-free period^
  • Access to discounts and benefits worldwide with HSBC's home&Away Privilege Program
  • Winner of the Money magazine 2010 "Best Transaction Credit Card" Award
  • Full terms and conditions.
Apply for a Citibank Clear Visa

Apply Online

secure credit card application
Purchase Rate Balance Transfers Card Type Annual Fee Interest Free
16.99%p.a. 0%p.a 6 months Visa $0 for Life up to 55 days

  Aussie Mastercard
  • Choose - 2.99% p.a on balance transfers and purchases for the 1st 6 months or 3.99% on balance transfers for 12 months.
  • Reverts to a low rate on purchases, now just 12.99% p.a.
  • Up to 55 days interest-free credit on purchases.
  • Low annual account fee of $49.
  • 24/7 online account access or over the phone.
  • Shop safely online at participating merchants with MasterCard Securecode.
  • Full terms and conditions.
Apply for an Aussie mastercard

Apply Online

secure credit card application
Purchase Rate Balance Transfers Card Type Annual Fee Interest Free
12.99%p.a. You Choose Mastercard $49 up to 55 days

  Suncorp Clear Options Standard
  • To save on interest by consolidating your debts to one easy to manage account at Suncorp with a low promotional balance transfer rate of 2.9% p.a. for 12 months.
  • Low annual fees for primary and additional cardholders.
  • A low rate of 12.24% p.a. on retail purchases.
  • Generous credit limits of up to $20,000.
  • Exclusive Visa Entertainment offers.
  • Security protection with FRAUDSHIELD.
  • Full terms and conditions.
Apply for a suncorp standard credit card

Apply Online

secure credit card application
Purchase Rate Balance Transfers Card Type Annual Fee Interest Free
12.24%p.a. 2.9%p.a. 12 months Visa $39 n/a

  Citibank Clear
  • A low 11.99% on purchases for the first 12 months.
  • 0% balance transfers for 6 months.
  • Citibank World Privileges.
  • Up to 55 interest free days on purchases.
  • Up to 4 additional cardholders.
  • Open the VIP door with Visa Entertainment to access the hottest tickets for movies, shows, sports and travel.
  • Full terms and conditions.
Apply for a Citibank Clear Visa

Apply Online

secure credit card application
Purchase Rate Balance Transfers Card Type Annual Fee Interest Free
15.49%p.a. 0%p.a. 6 months Visa $65 up to 55 days

  St George Vertigo Mastercard
  • 12.49%p.a on purchases
  • Excellent credit needed for approval.
  • 2.99% p.a. balance transfer rate for up to 6 months.
  • Awarded Cheapest Balance Transfer by Money Magazine.
  • Up to 55 interest free days on purchases.
  • A Low $55 annual fee.
  • An additional card for a friend or family member.
  • Discounts with St.George Instant Benefits.
  • Full terms and conditions.
Apply for a St George Credit Card

Apply Online

secure credit card application
Purchase Rate Balance Transfers Card Type Annual Fee Interest Free
12.49%p.a. 2.99%p.a. 6 months Mastercard $55 up to 55 days

  Aussie Mastercard
  • Choose - 2.99% p.a on balance transfers and purchases for the 1st 6 months or 3.99% on balance transfers for 12 months.
  • Reverts to a low rate on purchases, now just 12.99% p.a.
  • Up to 55 days interest-free credit on purchases.
  • Low annual account fee of $49.
  • 24/7 online account access or over the phone.
  • Shop safely online at participating merchants with MasterCard Securecode.
  • Full terms and conditions.
Apply for an Aussie mastercard

Apply Online

secure credit card application
Purchase Rate Balance Transfers Card Type Annual Fee Interest Free
12.99%p.a. You Choose Mastercard $49 up to 55 days

  Citi Clear Platinum
  • 0% p.a. on balance transfers for 6 months.
  • 11.49% p.a. on retail purchases.
  • All the features of a low rate card with the added benefits of a platinum card, like; entertainment offers, concierge service, retail discounts, and complementary international travel insurance.
  • Full terms and conditions.
Apply for a Citibank Clear Visa

Apply Online

secure credit card application
Purchase Rate Balance Transfers Card Type Annual Fee Interest Free
11.49%p.a 0%p.a 6 months Visa $99 up to 55 days

  BP Citibank Mastercard
  • Save 5% off BP petrol and anything you buy at BP.
  • 5 Star Superior Value Canstar Cannex rating in Cash Rewards.
  • 1.9% 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.
  • 20.89% p.a on purchases.
  • Full terms and conditions.
Apply for a BP Citibank credit card

Apply Online

secure credit card application
Purchase Rate Balance Transfers Card Type Annual Fee Interest Free
20.89%p.a. 1.9%p.a. 12 months Mastercard $79 up to 55 days

  Citi Emirates Card
  • 2.9% p.a. for 12 months balance transfers..
  • Minimun $50,000 income to apply.
  • 1.5 Skywards Miles per $1 spent.
  • Complimentary lounge access in Australia and Dubai.
  • Complimentary Chauffeur-drive service.
  • Earn and redeem Skywards Miles on Virgin Blue flights.
  • Free international travel and purchase cover insurance.
  • 24/7 Personal Concierge around the world.
  • Full terms and conditions.
Apply for a Citibank platinum card

Apply Online

secure credit card application
Purchase Rate Balance Transfers Card Type Annual Fee Interest Free
20.74%p.a. 2.9%p.a. 12 months Mastercard $229 up to 55 days

CREDIT CARD BALANCE TRANSFER

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. If you have an exceptional amount owing on you credit card debt we recommend that you seek the help of a financial adviser. See more information on financial help or call ASIC's Infoline on 1300 300 630.

BALANCE TRANSFER CONSIDERATRIONS

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. However there is normally a fee associated with a credit balance transfer, be sure the read the full terms and conditions of the providing lender before applying.

SHOULD YOU APPLY FOR A BALANCE TRANSFER?

If you have any doubt over whether you should apply for a credit card balance transfer offer we recommend that you seek the help of a financial advisor. In order to get the best balance transfer offer for you, it is important to shop around and compare the transfer terms.

ADVANTAGES OF A BALANCE TRANSFER CREDIT CARD

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.

BALANCE TRANSFER FEES

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.

FINDING THE BEST BALANCE TRANSFER CARD

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?

RELATED RESOURCES

Balance Transfer Offers
Low Interest Platinum With Rewards
Your Guide to Balance Transfers
Get a Better Credit Card
Voted Best Balance Transfer Credit Card for 2008