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
Featured
Latitude Low Rate Mastercard - Balance Transfer Offer
0 reviews
- 0% p.a. on balance transfers for the first 24 months
- 3% back in Latitude Rewards
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How much could you save?
Enter your balance and current rate to see your estimated saving for each card below.
112 cards
| Card | Name and rating | Transfer rate | 0% period | Transfer fee | Annual fee | Est. saving | |
|---|---|---|---|---|---|---|---|
| 0% | 24 mths | 3% | $69 | $1,850over 24 mths | ||
 | 0% | 18 mths | 2% | $0 | $1,400over 18 mths | ||
 | Qantas Money Platinum 0 reviews | 0% | 12 mths | 3% | $349 | $850over 12 mths | |
 | 0% | 12 mths | 3% | $0 | $850over 12 mths | ||
 | Coles Rewards Mastercard 0 reviews | 0% | 12 mths | 5% | $99 | $750over 12 mths | |
 | Qantas Money Everyday 0 reviews | 0% | 12 mths | 3% | $99 | $850over 12 mths | |
 | NAB Qantas Rewards Signature Card 0 reviews | 0% | 12 mths | 3% | $420 | $850over 12 mths | |
 | Latitude GO Mastercard 0 reviews | 0% | 12 mths | 3% | $131 | $850over 12 mths | |
 | Coles No Annual Fee Mastercard 0 reviews | 0% | 12 mths | 5% | $0 | $750over 12 mths | |
 | 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 | $500over 6 mths | |
 | ANZ Rewards Black Credit Card 0 reviews | 21.99% | 0 mths | 0% | $320 | – | |
 | Westpac Low Rate Card 0 reviews | 0% | 20 mths | 3% | $59 | $1,517over 20 mths | |
 | 0% | 12 mths | 3% | $420 | $850over 12 mths | ||
 | NAB Qantas Rewards Premium Card 0 reviews | 0% | 12 mths | 3% | $295 | $850over 12 mths | |
 | Bankwest Breeze Platinum Mastercard 0 reviews | 0% | 24 mths | 3% | $59 | $1,850over 24 mths | |
 | 0% | 12 mths | 3% | $195 | $850over 12 mths |
- Transfer rate
- 0%
- 0% period
- 24 mths
- Transfer fee
- 3%
- Annual fee
- $69
- Est. saving
- $1,850 over 24 mths
- Transfer rate
- 0%
- 0% period
- 18 mths
- Transfer fee
- 2%
- Annual fee
- $0
- Est. saving
- $1,400 over 18 mths
Qantas Money Platinum
0 reviews
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $349
- Est. saving
- $850 over 12 mths
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $0
- Est. saving
- $850 over 12 mths
Coles Rewards Mastercard
0 reviews
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 5%
- Annual fee
- $99
- Est. saving
- $750 over 12 mths
Qantas Money Everyday
0 reviews
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $99
- Est. saving
- $850 over 12 mths
NAB Qantas Rewards Signature Card
0 reviews
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $420
- Est. saving
- $850 over 12 mths
Latitude GO Mastercard
0 reviews
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $131
- Est. saving
- $850 over 12 mths
Coles No Annual Fee Mastercard
0 reviews
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 5%
- Annual fee
- $0
- Est. saving
- $750 over 12 mths
ANZ Platinum Credit Card
0 reviews
- Transfer rate
- 21.99%
- 0% period
- 0 mths
- Transfer fee
- 0%
- Annual fee
- $0
ANZ Low Rate - Credit Back Offer
0 reviews
- Transfer rate
- 21.99%
- 0% period
- 0 mths
- Transfer fee
- 0%
- Annual fee
- $58
ANZ Rewards Platinum
0 reviews
- 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
Qantas Money Titanium
0 reviews
- Transfer rate
- 0%
- 0% period
- 6 mths
- Transfer fee
- 0%
- Annual fee
- $1,200
- Est. saving
- $500 over 6 mths
ANZ Rewards Black Credit Card
0 reviews
- Transfer rate
- 21.99%
- 0% period
- 0 mths
- Transfer fee
- 0%
- Annual fee
- $320
Westpac Low Rate Card
0 reviews
- Transfer rate
- 0%
- 0% period
- 20 mths
- Transfer fee
- 3%
- Annual fee
- $59
- Est. saving
- $1,517 over 20 mths
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $420
- Est. saving
- $850 over 12 mths
NAB Qantas Rewards Premium Card
0 reviews
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $295
- Est. saving
- $850 over 12 mths
Bankwest Breeze Platinum Mastercard
0 reviews
- Transfer rate
- 0%
- 0% period
- 24 mths
- Transfer fee
- 3%
- Annual fee
- $59
- Est. saving
- $1,850 over 24 mths
- Transfer rate
- 0%
- 0% period
- 12 mths
- Transfer fee
- 3%
- Annual fee
- $195
- Est. saving
- $850 over 12 mths
Balance transfer by the numbers
112
Cards compared
9 months
Average 0% period
1.1%
Average transfer fee
62
0% transfer offers
How much could a balance transfer save?
$
Save ~$2,999
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.
Balance transfer credit card FAQs
Applying for any new card creates an enquiry on your file. Used responsibly to clear debt, a balance transfer can help your overall position over time.