Balance transfer credit cards
Move the balance from an existing card to a new card with a low or 0% promotional rate, so more of every repayment goes towards the debt instead of interest.
- 0% promotional rates for a fixed period
- Consolidate multiple card debts into one
- More of every repayment clears the balance
- 0% p.a. on balance transfers for the first 24 months
- 3% back in Latitude Rewards
| Card | Name and rating | Transfer rate | 0% period | Transfer fee | Annual fee | |
|---|---|---|---|---|---|---|
| 0% | 24 mths | 3% | $69 | ||
 | 0% | 18 mths | 2% | $0 | ||
 | Qantas Money Platinum 0 reviews | 0% | 12 mths | 3% | $349 | |
 | 0% | 12 mths | 3% | $0 | ||
 | Coles Rewards Mastercard 0 reviews | 0% | 12 mths | 5% | $99 | |
 | Qantas Money Everyday 0 reviews | 0% | 12 mths | 3% | $99 | |
 | NAB Qantas Rewards Signature Card 0 reviews | 0% | 12 mths | 3% | $420 | |
 | Latitude GO Mastercard 0 reviews | 0% | 12 mths | 3% | $131 | |
 | Coles No Annual Fee Mastercard 0 reviews | 0% | 12 mths | 5% | $0 | |
 | ANZ Platinum Credit Card 0 reviews | 21.99% | 0 mths | 0% | $0 | |
 | ANZ Low Rate - Credit Back Offer 0 reviews | 21.99% | 0 mths | 0% | $58 | |
 | ANZ Rewards Platinum 0 reviews | 21.99% | 0 mths | 0% | $94 | |
 | 21.99% | 0 mths | 0% | $94 | ||
 | Qantas Money Titanium 0 reviews | 0% | 6 mths | 0% | $1,200 | |
 | ANZ Rewards Black Credit Card 0 reviews | 21.99% | 0 mths | 0% | $320 | |
 | Westpac Low Rate Card 0 reviews | 0% | 20 mths | 3% | $59 | |
 | 0% | 12 mths | 3% | $420 | ||
 | NAB Qantas Rewards Premium Card 0 reviews | 0% | 12 mths | 3% | $295 | |
 | Bankwest Breeze Platinum Mastercard 0 reviews | 0% | 24 mths | 3% | $59 | |
 | 0% | 12 mths | 3% | $195 |
- Transfer rate
- 0%
- 0% period
- 24 mths
- Transfer fee
- 3%
- Annual fee
- $69
- Transfer rate
- 0%
- 0% period
- 18 mths
- Transfer fee
- 2%
- Annual fee
- $0
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $349
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $0
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 5%
- Annual fee
- $99
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $420
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $131
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 5%
- Annual fee
- $0
- Transfer rate
- 21.99%
- 0% period
- 0 mths
- Transfer fee
- 0%
- Annual fee
- $0
- Transfer rate
- 21.99%
- 0% period
- 0 mths
- Transfer fee
- 0%
- Annual fee
- $58
- Transfer rate
- 21.99%
- 0% period
- 0 mths
- Transfer fee
- 0%
- Annual fee
- $94
- Transfer rate
- 21.99%
- 0% period
- 0 mths
- Transfer fee
- 0%
- Annual fee
- $94
- Transfer rate
- 0%
- 0% period
- 6 mths
- Transfer fee
- 0%
- Annual fee
- $1,200
- Transfer rate
- 21.99%
- 0% period
- 0 mths
- Transfer fee
- 0%
- Annual fee
- $320
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $420
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $295
- Transfer rate
- 0%
- 0% period
- 24 mths
- Transfer fee
- 3%
- Annual fee
- $59
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $195
Balance transfer by the numbers
How much could a balance transfer save?
Over a 36-month 0% transfer period, after a 0% transfer fee, compared with staying on your current rate.
Make the promo period count
The goal of a balance transfer is simple: clear the debt before the 0% period ends. Divide your balance by the number of promo months to find the repayment you need to make each month to finish on time.
Once you're debt-free, a no annual fee card or a low interest card keeps ongoing costs down so you don't slip back into the same cycle.
Mind the fee and the revert rate
Two numbers decide whether an offer is good value: the upfront transfer fee (often 1–3% of the balance) and the revert rate the balance jumps to once the promo ends. Factor both into your plan before you apply.