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Balance Transfer Credit Cards

Interest charges weighing you down? Take back control with a balance transfer credit card and give yourself a little more breathing room. A 0% balance transfer credit card lets you transfer your debt to a new card and helps you save money on interest charges with 0% interest offers for up to 22 months.

Use our balance transfer comparison calculator to find out how much you could save. Simply enter how much you want to transfer, your current annual fee and interest rate. Note some restrictions apply on transfers between cards. See our Frequently Asked Questions to learn more.

Amount to transfer

The total balance you intend to transfer to the new balance transfer credit card

$
$ 8000
Current annual fee

The annual fee for your current credit card. We will assume closure of your current card and calculate your current card fee in the savings column.

$
Current interest rate

The interest rate you are currently paying on your balance. This will be used to calculate your potential savings.

% p.a.
Bank

Filter to select which banks you would like to see cards from. It is handy to filter out banks you are ineligible to transfer to. Check our balance transfer restrictions information at the bottom of this page for more information.

Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Savings

Savings is an estimate of the amount saved on interest charges and annual fees, as a result of transferring an eligible balance to the 0% balance transfer card for the interest-free period.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as applicable balance transfer and annual fees, along with the following assumptions:
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

Bank of Melbourne Vertigo Card

Bank of Melbourne Vertigo Card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card
Low Interest credit card

Bank of Melbourne Vertigo Card

Savings
$2399
over 22 months
Save on interest with 0% p.a. on new purchases for up to 7 months or take advantage of 0% p.a. on balance transfers for up to 22 months with Bank of Melbourne's Vertigo credit card (1.5% balance transfer fee applies). With no annual fee for the first year and a low 13.99% p.a. interest rate on purchases with a 55 day interest free period, this is a good option for those looking for a low-cost every-day card.
Balance Transfer
0% for
22 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

0% for
7 months
reverts to
13.99% p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$175
$0 first annual
fee, then $55
$120 transfer fee (1.5%)
$2,399
over 22 months
save

Bank SA Vertigo Card

Bank SA Vertigo Card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card
Low Interest credit card

Bank SA Vertigo Card

Savings
$2399
over 22 months
Save on interest with 0% p.a. on new purchases for up to 7 months or take advantage of 0% p.a. on balance transfers for up to 22 months with Bank SA's Vertigo credit card (1.5% balance transfer fee applies). With no annual fee for the first year and a low 13.99% p.a. interest rate on purchases with a 55 day interest free period, this is a good option for those looking for a low-cost every-day card.
Balance Transfer
0% for
22 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

0% for
7 months
reverts to
13.99% p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$175
$0 first annual
fee, then $55
$120 transfer fee (1.5%)
$2,399
over 22 months
save

St.George Vertigo Card

St.George Vertigo Card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card
Low Interest credit card

St.George Vertigo Card

Savings
$2399
over 22 months
Save on interest with 0% p.a. on new purchases for up to 7 months or take advantage of 0% p.a. on balance transfers for up to 22 months with St.George's Vertigo credit card (1.5% balance transfer fee applies). With no annual fee for the first year and a low 13.99% p.a. interest rate on purchases with a 55 day interest free period, this is a good option for those looking for a low-cost every-day card.
Balance Transfer
0% for
22 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

0% for
7 months
reverts to
13.99% p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$175
$0 first annual
fee, then $55
$120 transfer fee (1.5%)
$2,399
over 22 months
save

ANZ Low Rate

ANZ Low Rate
Balance Transfer credit card
No Annual Fee credit card
Low Interest credit card

ANZ Low Rate

Savings
$2397
over 22 months
A credit card with a low ongoing interest rate for your everyday purchases. Includes 0% p.a. for 22 months on Balance Transfers with a 1.5% Balance Transfer fee. Reverts to standard balance transfer rate. T&Cs, eligibility criteria, fees and charges apply.
Balance Transfer
0% for
22 months
reverts to
20.24% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

12.49%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$177
$0 first annual
fee, then $57
$120 transfer fee (1.5%)
$2,397
over 22 months
save

Bank of Melbourne Amplify Platinum - Amplify Offer

Bank of Melbourne Amplify Platinum - Amplify Offer
Offer ends 30 Sep 2020
Rewards credit card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card

Bank of Melbourne Amplify Platinum - Amplify Offer

Savings
$2355
over 22 months
Save with 0% p.a. on balance transfers for up to 22 months (1.5% balance transfer fee applies) and 0% p.a. on purchases for up to 7 months and no annual fee for the first year with Bank of Melbourne's Amplify Platinum card. Offer includes complimentary extended warranty insurance on purchases for up to 12 months and earn quicker with an additional card holder at no extra cost.
Balance Transfer
0% for
22 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

0% for
7 months
reverts to
19.74% p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$219
$0 first annual
fee, then $99
$120 transfer fee (1.5%)
$2,355
over 22 months
save

Bank SA Amplify Platinum - Amplify Offer

Bank SA Amplify Platinum - Amplify Offer
Offer ends 30 Sep 2020
Rewards credit card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card

Bank SA Amplify Platinum - Amplify Offer

Savings
$2355
over 22 months
Save with 0% p.a. on balance transfers for up to 22 months (1.5% balance transfer fee applies) and 0% p.a. on purchases for up to 7 months and no annual fee for the first year with Bank SA's Amplify Platinum card. Offer includes complimentary extended warranty insurance on purchases for up to 12 months and earn quicker with an additional card holder at no extra cost.
Balance Transfer
0% for
22 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

0% for
7 months
reverts to
19.74% p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$219
$0 first annual
fee, then $99
$120 transfer fee (1.5%)
$2,355
over 22 months
save

St.George Amplify Platinum - Amplify Offer

St.George Amplify Platinum - Amplify Offer
Offer ends 30 Sep 2020
Rewards credit card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card

St.George Amplify Platinum - Amplify Offer

Savings
$2355
over 22 months
Save with 0% p.a. on balance transfers for up to 22 months (1.5% balance transfer fee applies) and 0% p.a. on purchases for up to 7 months and no annual fee for the first year with the St.George Amplify Platinum card. Offer includes complimentary extended warranty insurance on purchases for up to 12 months and earn quicker with an additional card holder at no extra cost.
Balance Transfer
0% for
22 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

0% for
7 months
reverts to
19.74% p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$219
$0 first annual
fee, then $99
$120 transfer fee (1.5%)
$2,355
over 22 months
save

HSBC Platinum Credit Card

HSBC Platinum Credit Card
Offer ends 30 Sep 2020
Rewards credit card
Balance Transfer credit card

HSBC Platinum Credit Card

Savings
$2316
over 22 months
Relax with 0% interest on Balance Transfers for up to 22 months and no balance transfer fee. Enjoy the benefits of a premium card with HSBC's rewards program and earn 1 rewards points per dollar spent (2 points if spending overseas). Card includes great insurance benefits including both travel & purchase insurance, as well as a long 55 days interest free period on purchases. You also receive a refund on your annual fee when you spend $6,000 or more per year.
Balance Transfer
0% for
22 months
reverts to
21.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$258
$129 p.a.
annual fee
$2,316
over 22 months
save

Coles No Annual Fee Mastercard

Coles No Annual Fee Mastercard
Offer ends 31 Aug 2020
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card
No Annual Fee credit card

Coles No Annual Fee Mastercard

Savings
$2040
over 18 months
Save with 0% p.a. on Balance Transfers for up to 18 months with a 1.5% transfer fee when you apply by 31 August 2020. Offer includes no Annual Fee for the life of the card and 0.5 flybuys points per dollar spent on eligible transactions. Redeem a $10 discount at coles for every 2000 flybuys points earned. Note: No interest free days apply while you have a balance transfer.
Balance Transfer
0% for
18 months
reverts to
19.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$120
$0 p.a.
annual fee
$120 transfer fee (1.5%)
$2,040
over 18 months
save

ANZ First

ANZ First
Balance Transfer credit card

ANZ First

Savings
$1940
over 18 months
Simple everyday credit card with a low ongoing annual fee. Includes 0% p.a. for 18 months on balance transfers (2% Balance Transfer Fee applies). Reverts to standard balance transfer rate. T&Cs, eligibility criteria, fees and charges apply.
Balance Transfer
0% for
18 months
reverts to
20.24% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.24%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$220
$30 p.a.
annual fee
$160 transfer fee (2%)
$1,940
over 18 months
save

ANZ Platinum

ANZ Platinum
Balance Transfer credit card
No Annual Fee credit card

ANZ Platinum

Savings
$1913
over 18 months
A simple everyday credit card with $0 annual fee in the first year, plus Overseas Travel and Medical Insurance. 0% p.a. for 18 months on balance transfers (2% Balance Transfer Fee applies). Reverts to standard balance transfer rate. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $0 for first year, $87 thereafter).
Balance Transfer
0% for
18 months
reverts to
20.24% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.24%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$247
$0 first annual
fee, then $87
$160 transfer fee (2%)
$1,913
over 18 months
save

Coles Rewards Mastercard

Coles Rewards Mastercard
Offer ends 31 Aug 2020
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

Coles Rewards Mastercard

Savings
$1842
over 18 months
Earn flybuys points faster with 2 points per $ on eligible transactions. Have a balance you're currently paying interest on? Save with 0% p.a. on Balance Transfers for up to 18 months with a 1.5% transfer fee when you apply by 31 August 2020. Offer includes no Annual Fee for the life of the card. Redeem a $10 discount at coles for every 2000 flybuys points earned. Note: No interest free days apply while you have a balance transfer.
Balance Transfer
0% for
18 months
reverts to
19.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$318
$99 p.a.
annual fee
$120 transfer fee (1.5%)
$1,842
over 18 months
save

Westpac Low Rate Card

Westpac Low Rate Card
Offer ends 5 Aug 2020
Balance Transfer credit card
Low Interest credit card

Westpac Low Rate Card

Savings
$1827
over 16 months
Pay no interest for up to 16 months on balance transfers requested when you apply for the card and save with No balance transfer fee and a low $59 annual fee. After 16 months the rate will revert to the variable cash advance rate. Credit criteria, fees and charges apply.
Balance Transfer
0% for
16 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

13.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$118
$59 p.a.
annual fee
$1,827
over 16 months
save

Virgin Australia Low Rate Card

Virgin Australia Low Rate Card
Balance Transfer credit card
Low Interest credit card

Virgin Australia Low Rate Card

Savings
$1802
over 18 months
Low ongoing variable purchase rate of 11.99% p.a. and 0% p.a. for 18 months on balance transfers with a 2% balance transfer fee.
Balance Transfer
0% for
18 months
reverts to
21.69% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

11.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$358
$99 p.a.
annual fee
$160 transfer fee (2%)
$1,802
over 18 months
save

Qantas Premier Platinum Credit Card

Qantas Premier Platinum Credit Card
Offer ends 30 Sep 2020
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

Qantas Premier Platinum Credit Card

Savings
$1662
over 18 months
Boost your status with 75 bonus status credits and earn up to 80,000 bonus Qantas points (20,000 points per month) when you apply by 30th of September, are approved, and spend $1,500 each month for the first 4 months. Save with a reduced $199 Annual fee for the first year. Card includes complimentary travel insurance, complimentary lounge invitations, and discounted companion fares. Standard Qantas points earn rate is 1 point per dollar up to $10,000, then 0.5 points per dollar thereafter (uncapped). This card offers a great balance transfer offer with 0% on balance transfers up to 18 months. Status credits are earned when an eligible purchase is made before November 30th. See site for details.
Balance Transfer
0% for
18 months
reverts to
21.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$498
$199 first annual
fee, then $299
$1,662
over 18 months
save

Virgin Australia No Annual Fee Card

Virgin Australia No Annual Fee Card
Balance Transfer credit card
No Annual Fee credit card

Virgin Australia No Annual Fee Card

Savings
$1497
over 12 months
0% p.a. interest on balance transfers for 12 months and no annual fee for the life of the card.
Balance Transfer
0% for
12 months
reverts to
20.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

18.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$0
$1,497
over 12 months
save

Qantas Premier Everyday Credit Card

Qantas Premier Everyday Credit Card
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

Qantas Premier Everyday Credit Card

Savings
$1448
over 12 months
Earn 5,000 points per month each time you spend $1000 per month for the first five months. That's 25,000 bonus Qantas points for your everyday spending with the Qantas Premier Everyday Credit Card. This card includes complimentary travel insurance and a reduced $29 annual fee for the first year (usually $49 p.a.) Standard earn rate is 0.75 points per dollar up to $3000, then 0.4 points per dollar thereafter (uncapped).
Balance Transfer
0% for
12 months
reverts to
21.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$49
$49 p.a.
annual fee
$1,448
over 12 months
save

Bank of Melbourne No Annual Fee Card

Bank of Melbourne No Annual Fee Card
Offer ends 30 Sep 2020
Balance Transfer credit card
No Annual Fee credit card

Bank of Melbourne No Annual Fee Card

Savings
$1417
over 12 months
Access the benefits of a credit card with no annual fee… ever… Save with 0% p.a. on balance transfers for up to 12 months. (reverts to variable cash advance rate)
Balance Transfer
0% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$80
$0 p.a.
annual fee
$80 transfer fee (1%)
$1,417
over 12 months
save

Bank SA No Annual Fee Card

Bank SA No Annual Fee Card
Offer ends 30 Sep 2020
Balance Transfer credit card
No Annual Fee credit card

Bank SA No Annual Fee Card

Savings
$1417
over 12 months
Access the benefits of a credit card with no annual fee… ever… Save with 0% p.a. on balance transfers for up to 12 months. (reverts to variable cash advance rate)
Balance Transfer
0% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$80
$0 p.a.
annual fee
$80 transfer fee (1%)
$1,417
over 12 months
save

St.George No Annual Fee Card

St.George No Annual Fee Card
Offer ends 30 Sep 2020
Balance Transfer credit card
No Annual Fee credit card

St.George No Annual Fee Card

Savings
$1417
over 12 months
Access the benefits of a credit card with no annual fee… ever… Save with 0% p.a. on balance transfers for up to 12 months. (reverts to variable cash advance rate)
Balance Transfer
0% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$80
$0 p.a.
annual fee
$80 transfer fee (1%)
$1,417
over 12 months
save

HSBC Platinum Qantas Credit Card

HSBC Platinum Qantas Credit Card
Offer ends 30 Sep 2020
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

HSBC Platinum Qantas Credit Card

Savings
$1398
over 12 months
Earn 20,000 bonus Qantas Points when you spend $3,000 or more on eligible purchases within 90 days of card approval and earn 1 Qantas Point for every dollar up to $1,000 then 0.5 points capped at 7,500 points per statement period. Save with 0% p.a. on balance transfers for up to 12 months. Enjoy complimentary travel and purchase insurance. Not a Qantas member? Save with no membership joining fee (usually $99).
Balance Transfer
0% for
12 months
reverts to
21.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$99
$99 p.a.
annual fee
$1,398
over 12 months
save

Westpac Low Fee

Westpac Low Fee
Offer ends 5 Aug 2020
Balance Transfer credit card
No Annual Fee credit card

Westpac Low Fee

Savings
$1005
over 12 months
Everyday credit card with no annual fee for the first year, and no annual fee in subsequent years when you spend at least $5000 in the preceeding year.
Balance Transfer
6.99% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.09%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$0
$1,005
over 12 months
save

Westpac Low Fee - Platinum

Westpac Low Fee - Platinum
Offer ends 5 Aug 2020
Balance Transfer credit card
No Annual Fee credit card

Westpac Low Fee - Platinum

Savings
$1005
over 12 months
Access Platinum features including travel and purchase insurance with Westpac's Low Fee Platinum card. Pay no annual fee in the first year (saving you $90) and then subsequent years when you spend at least $10,000 within the preceeding year.
Balance Transfer
6.99% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.09%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$0
$1,005
over 12 months
save

Bankwest Zero Classic Mastercard®

Bankwest Zero Classic Mastercard®
Balance Transfer credit card
No Annual Fee credit card

Bankwest Zero Classic Mastercard®

Savings
$984
over 9 months
Access the benefits of a credit card with no annual fee for the life of the card. Go mobile by ordering Bankwest's mobile payment ring, or add the card to Apple or Samsung pay.
Balance Transfer
2.99% for
9 months
reverts to
17.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

17.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$0
$984
over 9 months
save

Bankwest Zero Platinum Mastercard®

Bankwest Zero Platinum Mastercard®
Balance Transfer credit card
No Annual Fee credit card

Bankwest Zero Platinum Mastercard®

Savings
$984
over 9 months
Access the benefits of a credit card with no annual fee for the life of the card. With complimentary international travel insurance, and no international transaction fees, this card is a great choice for shopping online or overseas.
Balance Transfer
2.99% for
9 months
reverts to
17.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

17.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$0
$984
over 9 months
save

Bank of Melbourne Amplify - Amplify Offer

Bank of Melbourne Amplify - Amplify Offer
Offer ends 30 Sep 2020
Rewards credit card
Balance Transfer credit card

Bank of Melbourne Amplify - Amplify Offer

Savings
$921
over 12 months
Earn 1 Amplify rewards point per dollar on eligible purchases with the Bank of Melbourne Amplify credit card.
Balance Transfer
6.99% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$79
$79 p.a.
annual fee
$921
over 12 months
save

Bank of Melbourne Amplify - Qantas Offer

Bank of Melbourne Amplify - Qantas Offer
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

Bank of Melbourne Amplify - Qantas Offer

Savings
$921
over 12 months
Reward yourself with Bank of Melbourne's Amplify Credit Card Qantas Offer and earn 0.5 Qantas points per dollar spent on eligible transactions. Have a current balance? Save with 0% interest on balance transfers for up to 12 months and no balance transfer fee. With a low minimum credit limit of $500 and annual fee of $79, this card is a great way to earn Qantas points on your spending.
Balance Transfer
6.99% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$79
$79 p.a.
annual fee
$921
over 12 months
save

Bank SA Amplify - Amplify Offer

Bank SA Amplify - Amplify Offer
Offer ends 30 Sep 2020
Rewards credit card
Balance Transfer credit card

Bank SA Amplify - Amplify Offer

Savings
$921
over 12 months
Earn 1 Amplify rewards point per dollar on eligible purchases with the Bank SA Amplify credit card.
Balance Transfer
6.99% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$79
$79 p.a.
annual fee
$921
over 12 months
save

Bank SA Amplify - Qantas Offer

Bank SA Amplify - Qantas Offer
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

Bank SA Amplify - Qantas Offer

Savings
$921
over 12 months
Reward yourself with Bank SA's Amplify Credit Card Qantas Offer and earn 0.5 Qantas points per dollar spent on eligible transactions. Have a current balance? Save with 0% interest on balance transfers for up to 12 months and no balance transfer fee. With a low minimum credit limit of $500 and annual fee of $79, this card is a great way to earn Qantas points on your spending.
Balance Transfer
6.99% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$79
$79 p.a.
annual fee
$921
over 12 months
save

St.George Amplify - Amplify Offer

St.George Amplify - Amplify Offer
Offer ends 30 Sep 2020
Rewards credit card
Balance Transfer credit card

St.George Amplify - Amplify Offer

Savings
$921
over 12 months
Earn 1 Amplify rewards point per dollar on eligible purchases with the St.George Amplify credit card.
Balance Transfer
6.99% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$79
$79 p.a.
annual fee
$921
over 12 months
save

St.George Amplify - Qantas Offer

St.George Amplify - Qantas Offer
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

St.George Amplify - Qantas Offer

Savings
$921
over 12 months
Reward yourself with St.George's Amplify Credit Card Qantas Offer and earn 0.5 Qantas points per dollar spent on eligible transactions. Have a current balance? Save with 0% interest on balance transfers for up to 12 months and no balance transfer fee. With a low minimum credit limit of $500 and annual fee of $79, this card is a great way to earn Qantas points on your spending.
Balance Transfer
6.99% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$79
$79 p.a.
annual fee
$921
over 12 months
save

Bankwest Breeze Classic Mastercard®

Bankwest Breeze Classic Mastercard®
Balance Transfer credit card
0% Purchase credit card
Low Interest credit card

Bankwest Breeze Classic Mastercard®

Savings
$903
over 9 months
Bankwest's lowest ongoing purchase rate offer with 0% p.a. on purchases for 15 months, plus 2.99% on balance transfers for up to 9 months. (0% transfer fee)
Balance Transfer
2.99% for
9 months
reverts to
12.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

0% for
15 months
reverts to
12.99% p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$79
$79 p.a.
annual fee
$903
over 9 months
save

Bankwest Breeze Platinum Mastercard®

Bankwest Breeze Platinum Mastercard®
Balance Transfer credit card
0% Purchase credit card
Low Interest credit card

Bankwest Breeze Platinum Mastercard®

Savings
$883
over 9 months
Shop overseas and save with no foreign transaction fees. This card matches Bankwest's great purchase offer with 0% p.a. on purchases for up to 15 months and also offers 2.99% on balance transfers for up to 9 months with no balance transfer fee. Offer includes complimentary overseas travel insurance.
Balance Transfer
2.99% for
9 months
reverts to
12.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

0% for
15 months
reverts to
12.99% p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$99
$99 p.a.
annual fee
$883
over 9 months
save

Westpac Altitude Platinum - Altitude Offer

Westpac Altitude Platinum - Altitude Offer
Offer ends 5 Aug 2020
Rewards credit card
Balance Transfer credit card

Westpac Altitude Platinum - Altitude Offer

Savings
$846
over 12 months
Earn 80,000 bonus Altitude Rewards points when you spend $3,000 within 90 days of card approval. Earn bonus Altitude Points with Westpacs Accelerated Earn partners.
Complimentary:
  • Purchase Insurance
  • Travel Insurance
Balance Transfer
6.99% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.49%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$150
$150 p.a.
annual fee
$846
over 12 months
save

Bankwest Qantas Platinum Mastercard

Bankwest Qantas Platinum Mastercard
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

Bankwest Qantas Platinum Mastercard

Savings
$820
over 9 months
With a $3000 minimum spending limit and 0.75 Qantas points per dollar on the first $2500 spent, the Bankwest Qantas Platinum Mastercard is a great choice for those looking to earn rewards on their everyday spending. Card includes complimentary overseas travel insurance and no foreign transaction fees.
Balance Transfer
2.99% for
9 months
reverts to
20.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.49%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$160
$160 p.a.
annual fee
$820
over 9 months
save

Westpac Altitude Platinum - Qantas Offer

Westpac Altitude Platinum - Qantas Offer
Offer ends 5 Aug 2020
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

Westpac Altitude Platinum - Qantas Offer

Savings
$792
over 12 months
Earn 60,000 bonus Qantas points when you spend $3,000 within 90 days of card approval, and 0.5 Qantas points per $1 spent on all eligible purchases. Earn bonus Altitude Points with Westpacs Accelerated Earn partners.
Complimentary:
  • Purchase Insurance
  • Travel Insurance
Balance Transfer
6.99% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.49%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$200
$200 p.a.
annual fee
$792
over 12 months
save

Westpac Altitude Black - Altitude Offer

Westpac Altitude Black - Altitude Offer
Offer ends 5 Aug 2020
Rewards credit card
Balance Transfer credit card

Westpac Altitude Black - Altitude Offer

Savings
$739
over 12 months
Earn 150,000 bonus Altitude Rewards points when you spend $4,000 within 90 days of card approval. Earn bonus Altitude Points with Westpacs Accelerated Earn partners.
Includes complimentary insurance covers.
Balance Transfer
6.99% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.49%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$250
$250 p.a.
annual fee
$739
over 12 months
save

Coles Low Rate Mastercard

Coles Low Rate Mastercard
Offer ends 31 Aug 2020
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card
Low Interest credit card

Coles Low Rate Mastercard

Savings
$720
over 6 months
Save on Balance Transfers with 0% interest for up to 6 months and no balance transfer free. Offer includes Coles's lowest interest rate on purchases of 12.99%. Note: No interest free days apply while you have a balance transfer.
Balance Transfer
0% for
6 months
reverts to
19.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

12.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$58
$58 p.a.
annual fee
$720
over 6 months
save

Bankwest Qantas World Mastercard

Bankwest Qantas World Mastercard
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

Bankwest Qantas World Mastercard

Savings
$708
over 9 months
Earn 1 Qantas point per dollar spent on your first $5,000 with this great online purchase companion. Card includes complimentary overseas travel insurance and no foreign currency conversion fees.
Balance Transfer
2.99% for
9 months
reverts to
20.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.49%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$270
$270 p.a.
annual fee
$708
over 9 months
save

Westpac Altitude Black - Qantas Offer

Westpac Altitude Black - Qantas Offer
Offer ends 5 Aug 2020
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

Westpac Altitude Black - Qantas Offer

Savings
$686
over 12 months
Earn 90,000 bonus Qantas points when you spend $4,000 within 90 days of card approval. Earn an additional 30,000 bonus points after making one eligible purchase in your second year of the card being opened.
Includes:
  • Complimentary insurance covers
  • 2 complimentary Qantas Club airport lounge passes each year
  • 24/7 Concierge Services
Balance Transfer
6.99% for
12 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.49%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$300
$300 p.a.
annual fee
$686
over 12 months
save

Bank of Melbourne Amplify Platinum - Qantas Offer

Bank of Melbourne Amplify Platinum - Qantas Offer
Offer ends 30 Sep 2020
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

Bank of Melbourne Amplify Platinum - Qantas Offer

Savings
$679
over 6 months
Earn 60,000 bonus Qantas points when you apply for a new Bank of Melbourne Altitude Platinum card and spend $2,000 or more on eligible purchases within 90 days of card approval. Purchase with confidence with complimentary extended warranty insurance on purchases for up to 12 months and earn quicker with an additional card holder at no extra cost.
Balance Transfer
0% for
6 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$99
$99 p.a.
annual fee
$679
over 6 months
save

Bank SA Amplify Platinum - Qantas Offer

Bank SA Amplify Platinum - Qantas Offer
Offer ends 30 Sep 2020
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

Bank SA Amplify Platinum - Qantas Offer

Savings
$679
over 6 months
Earn 60,000 bonus Qantas points when you apply for a new BankSA Altitude Platinum card and spend $2,000 or more on eligible purchases within 90 days of card approval. Purchase with confidence with complimentary extended warranty insurance on purchases for up to 12 months and earn quicker with an additional card holder at no extra cost.
Balance Transfer
0% for
6 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$99
$99 p.a.
annual fee
$679
over 6 months
save

St.George Amplify Platinum - Qantas Offer

St.George Amplify Platinum - Qantas Offer
Offer ends 30 Sep 2020
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

St.George Amplify Platinum - Qantas Offer

Savings
$679
over 6 months
Earn 60,000 bonus Qantas points when you apply for a new St.George Altitude Platinum card and spend $2,000 or more on eligible purchases within 90 days of card approval. Purchase with confidence with complimentary extended warranty insurance on purchases for up to 12 months and earn quicker with an additional card holder at no extra cost.
Balance Transfer
0% for
6 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$99
$99 p.a.
annual fee
$679
over 6 months
save

Bank of Melbourne Amplify Signature - Amplify Offer

Bank of Melbourne Amplify Signature - Amplify Offer
Offer ends 30 Sep 2020
Rewards credit card
Balance Transfer credit card

Bank of Melbourne Amplify Signature - Amplify Offer

Savings
$639
over 6 months
Receive 130,000 bonus Amplify points in your first year, and 70,000 in your second year, when you spend at least $12,000 on eligible purchases that year. Offer includes complimentary travel and purchase insurance, as well as two complimentary lounge passes each year.
Balance Transfer
0% for
6 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$139
$139 first annual
fee, then $279
$639
over 6 months
save

Bank SA Amplify Signature - Amplify Offer

Bank SA Amplify Signature - Amplify Offer
Offer ends 30 Sep 2020
Rewards credit card
Balance Transfer credit card

Bank SA Amplify Signature - Amplify Offer

Savings
$639
over 6 months
Receive 130,000 bonus Amplify points in your first year, and 70,000 in your second year, when you spend at least $12,000 on eligible purchases that year. Offer includes complimentary travel and purchase insurance, as well as two complimentary lounge passes each year.
Balance Transfer
0% for
6 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$139
$139 first annual
fee, then $279
$639
over 6 months
save

St.George Amplify Signature - Amplify Offer

St.George Amplify Signature - Amplify Offer
Offer ends 30 Sep 2020
Rewards credit card
Balance Transfer credit card

St.George Amplify Signature - Amplify Offer

Savings
$639
over 6 months
Receive 130,000 bonus Amplify points in your first year, and 70,000 in your second year, when you spend at least $12,000 on eligible purchases that year. Offer includes complimentary travel and purchase insurance, as well as two complimentary lounge passes each year.
Balance Transfer
0% for
6 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$139
$139 first annual
fee, then $279
$639
over 6 months
save

Bankwest More Classic Mastercard

Bankwest More Classic Mastercard
Rewards credit card
Balance Transfer credit card

Bankwest More Classic Mastercard

Savings
$598
over 6 months
Earn 19,500 bonus Bankwest More rewards points when you spend $24,000 for the year and earn 1.5 points per dollar on eligible purchases capped at 150,000 points per year. Redeem points for cashback and more!
Balance Transfer
0% for
6 months
reverts to
19.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$180
$100 p.a.
annual fee
$80 transfer fee (1%)
$598
over 6 months
save

NAB Low Fee Card

NAB Low Fee Card
Balance Transfer credit card
0% Purchase credit card

NAB Low Fee Card

Savings
$588
over 6 months
No Frills Low Fee Credit Card with included 0% p.a. on purchases for up to 6 months with a low $500 minimum credit limit. Includes purchase protection and Visa Entertainment offers.
Balance Transfer
0% for
6 months
reverts to
21.74% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

0% for
6 months
reverts to
19.74% p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$190
$30 p.a.
annual fee
$160 transfer fee (2%)
$588
over 6 months
save

NAB Low Rate Card

NAB Low Rate Card
Balance Transfer credit card
0% Purchase credit card
Low Interest credit card

NAB Low Rate Card

Savings
$559
over 6 months
Pay 0% Interest on either balance transfer or purchases for up to 6 months with NAB's Low Rate credit card. Includes a low annual fee of $59 and a great ongoing 12.99% p.a. purchase rate.
Balance Transfer
0% for
6 months
reverts to
21.74% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

0% for
6 months
reverts to
12.99% p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$219
$59 p.a.
annual fee
$160 transfer fee (2%)
$559
over 6 months
save

Bankwest More Platinum Mastercard

Bankwest More Platinum Mastercard
Rewards credit card
Balance Transfer credit card

Bankwest More Platinum Mastercard

Savings
$538
over 6 months
Earn 75,000 bonus Bankwest More rewards points when you spend $48,000 on eligible purchases for the year and earn 1.5 points per dollar on all eligible purchases. No foreign transaction fees. Redeem points for cashback and more!
Balance Transfer
0% for
6 months
reverts to
19.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$240
$160 p.a.
annual fee
$80 transfer fee (1%)
$538
over 6 months
save

NAB Low Fee Platinum Card

NAB Low Fee Platinum Card
Balance Transfer credit card
0% Purchase credit card

NAB Low Fee Platinum Card

Savings
$528
over 6 months
Low Annual Fee credit card with complimentary travel and purchase insurance and access to NAB's 24/7 concierge service.
Balance Transfer
0% for
6 months
reverts to
21.74% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

0% for
15 months
reverts to
19.74% p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$250
$90 p.a.
annual fee
$160 transfer fee (2%)
$528
over 6 months
save

Bank of Melbourne Amplify Signature - Qantas Offer

Bank of Melbourne Amplify Signature - Qantas Offer
Offer ends 30 Sep 2020
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

Bank of Melbourne Amplify Signature - Qantas Offer

Savings
$499
over 6 months
Earn 90,000 bonus Qantas points with your new BankSA Amplify Signature card when you spend at least $6,000 on eligible purchases within 90 days of card approval. Offer includes complimentary travel and purchase insurance as well as two complimentary lounge passes each year. Earn an additional 10% of the points you earned in the last year with a birthday bonus.
Balance Transfer
0% for
6 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$279
$279 p.a.
annual fee
$499
over 6 months
save

Bank SA Amplify Signature - Qantas Offer

Bank SA Amplify Signature - Qantas Offer
Offer ends 30 Sep 2020
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

Bank SA Amplify Signature - Qantas Offer

Savings
$499
over 6 months
Earn 90,000 bonus Qantas points with your new BankSA Amplify Signature card when you spend at least $6,000 on eligible purchases within 90 days of card approval. Offer includes complimentary travel and purchase insurance as well as two complimentary lounge passes each year. Earn an additional 10% of the points you earned in the last year with a birthday bonus.
Balance Transfer
0% for
6 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$279
$279 p.a.
annual fee
$499
over 6 months
save

St.George Amplify Signature - Qantas Offer

St.George Amplify Signature - Qantas Offer
Offer ends 30 Sep 2020
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

St.George Amplify Signature - Qantas Offer

Savings
$499
over 6 months
Earn 90,000 bonus Qantas points with your new St.George Amplify Signature card when you spend at least $6,000 on eligible purchases within 90 days of card approval. Offer includes complimentary travel and purchase insurance as well as two complimentary lounge passes each year. Earn an additional 10% of the points you earned in the last year with a birthday bonus.
Balance Transfer
0% for
6 months
reverts to
21.49% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$279
$279 p.a.
annual fee
$499
over 6 months
save

Commonwealth Bank Low Fee Credit Card

Commonwealth Bank Low Fee Credit Card
Balance Transfer credit card
No Annual Fee credit card

Commonwealth Bank Low Fee Credit Card

Savings
$462
over 5 months
Enjoy $0 annual fee in the first year and subsequent years when you spend at least $1,000.
Offer includes:
  • Low $500 minimum credit limit
  • Priceless Cities offers and experiences
Balance Transfer
5.99% for
5 months
reverts to
21.24% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.74%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$0
$462
over 5 months
save

Commonwealth Bank Low Fee Gold Credit Card

Commonwealth Bank Low Fee Gold Credit Card
Offer ends 28 Oct 2020
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card

Commonwealth Bank Low Fee Gold Credit Card

Savings
$462
over 5 months
Get 0% p.a. on purchases for up to 15 months with Commbank's Low Fee Gold credit card. Enjoy $0 annual fee in the first year and subsequent years when you spend at least $10,000.
Offer includes:
  • Travel Insurance
  • Purchase Insurance
  • Priceless Cities offers and experiences
Balance Transfer
5.99% for
5 months
reverts to
21.24% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

0% for
15 months
reverts to
19.74% p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$0
$462
over 5 months
save

Bankwest More World Mastercard

Bankwest More World Mastercard
Rewards credit card
Balance Transfer credit card

Bankwest More World Mastercard

Savings
$428
over 6 months
Earn 115,000 bonus Bankwest More rewards points when you spend $84,000 on eligible purchases for the year and earn 2.5 points per dollar on all eligible purchases uncapped. Enjoy up to 10 complimentary airport lounge visits with Loungekey. Foreign transaction fees are waived.
Balance Transfer
0% for
6 months
reverts to
19.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$350
$270 p.a.
annual fee
$80 transfer fee (1%)
$428
over 6 months
save

NAB Rewards Platinum Card

NAB Rewards Platinum Card
Rewards credit card
Balance Transfer credit card

NAB Rewards Platinum Card

Savings
$423
over 6 months
Earn 60,000 bonus points when you spend $1,000 on eligible purchases within 60 days of you account being activated. That's enough points to redeem $300 in gift cards!
Offer includes:
24/7 Concierge Service
Complimentary Travel Insurance
Balance Transfer
0% for
6 months
reverts to
21.74% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$355
$195 p.a.
annual fee
$160 transfer fee (2%)
$423
over 6 months
save

Commonwealth Bank Awards Credit Card

Commonwealth Bank Awards Credit Card
Rewards credit card
Balance Transfer credit card

Commonwealth Bank Awards Credit Card

Savings
$402
over 5 months
Earn up to 50,000 Awards points a year by earning 1 Awards point for every dollar spent
Offer includes:
  • $500 minimum credit limit
  • Priceless® Cities offers and experiences
Balance Transfer
5.99% for
5 months
reverts to
21.24% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.24%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$59
$59 p.a.
annual fee
$402
over 5 months
save

Commonwealth Bank Low Rate Credit Card

Commonwealth Bank Low Rate Credit Card
Offer ends 28 Oct 2020
Balance Transfer credit card
Low Interest credit card

Commonwealth Bank Low Rate Credit Card

Savings
$402
over 5 months
Get $200 cashback when you apply for a new Low Rate credit card by 28 October 2020 and spend $1,000 on eligible purchases using your new card by 31 January 2021. Transfer existing debt with a low 5.99% on balance transfers for 5 months. Offers a low $500 credit limit.
Balance Transfer
5.99% for
5 months
reverts to
21.24% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

13.24%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$59
$59 p.a.
annual fee
$402
over 5 months
save

Commonwealth Bank Low Rate Gold Credit Card

Commonwealth Bank Low Rate Gold Credit Card
Offer ends 28 Oct 2020
Balance Transfer credit card
Low Interest credit card

Commonwealth Bank Low Rate Gold Credit Card

Savings
$371
over 5 months
Receive $200 cashback when you apply for a new Low Rate Gold credit card by 28 October 2020 and spend $1,000 on eligible purchases using your new card by 31 January 2021. Offer includes:
  • Travel Insurance
  • Low 13.24% p.a. purchase rate
Balance Transfer
5.99% for
5 months
reverts to
21.24% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

13.24%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$89
$89 p.a.
annual fee
$371
over 5 months
save

NAB Qantas Rewards Premium Card

NAB Qantas Rewards Premium Card
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

NAB Qantas Rewards Premium Card

Savings
$368
over 6 months
Earn 30,000 bonus points when you spend $2,500 on eligible purchases within 60 days of you account being activated.
Offer includes:
24/7 Concierge Service
Complimentary Travel Insurance
Balance Transfer
0% for
6 months
reverts to
21.74% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$410
$250 p.a.
annual fee
$160 transfer fee (2%)
$368
over 6 months
save

NAB Qantas Rewards Signature Card

NAB Qantas Rewards Signature Card
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

NAB Qantas Rewards Signature Card

Savings
$323
over 6 months
NAB's highest earn rate card. Earn 100,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 30,000 BONUS POINTS after your first year anniversary. Save with a reduced annual fee of $295 for the first year. (reverts to $395 p.a. after first year)
Balance Transfer
0% for
6 months
reverts to
21.74% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$455
$295 first annual
fee, then $395
$160 transfer fee (2%)
$323
over 6 months
save

NAB Rewards Signature Card

NAB Rewards Signature Card
Rewards credit card
Balance Transfer credit card
0% Purchase credit card

NAB Rewards Signature Card

Savings
$323
over 6 months
NAB's highest NAB Rewards earning card. Redeem sooner with 90,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and an additional 30,000 bonus points when after your 12 month anniversary. Card includes travel & purchase insurance. (conditions & eligibility criteria apply)
Balance Transfer
0% for
6 months
reverts to
21.74% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

0% for
15 months
reverts to
19.99% p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$455
$295 p.a.
annual fee
$160 transfer fee (2%)
$323
over 6 months
save

Commonwealth Bank Platinum Awards Credit Card

Commonwealth Bank Platinum Awards Credit Card
Rewards credit card
Balance Transfer credit card

Commonwealth Bank Platinum Awards Credit Card

Savings
$208
over 5 months
Earn up to 150,000 Awards points a year by earning 1 Awards point for every dollar spent.
Offer includes:
  • International Travel Insurance
  • Priceless® Cities offers and experiences
Balance Transfer
5.99% for
5 months
reverts to
21.24% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.24%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$249
$249 p.a.
annual fee
$208
over 5 months
save

Commonwealth Bank Diamond Awards Credit Card

Commonwealth Bank Diamond Awards Credit Card
Rewards credit card
Balance Transfer credit card

Commonwealth Bank Diamond Awards Credit Card

Savings
$105
over 5 months
Reward yourself with everyday purchases by earning 1.25 points per dollar up to 1,000,000 points per year. Buy with confidence with included purchase insurance.
Offer includes:
  • International Travel Insurance
  • Priceless® Cities offers and experiences
Balance Transfer
5.99% for
5 months
reverts to
21.24% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

20.24%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$349
$349 p.a.
annual fee
$105
over 5 months
save

Qantas Premier Titanium Credit Card

Qantas Premier Titanium Credit Card
Offer ends 24 Feb 2021
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card

Qantas Premier Titanium Credit Card

Savings
$-422
over 6 months
Enjoy amazing benefits and earn big with 1.5 Qantas Points per dollar (up to $12,500 per statement period) and an amazing bonus offer of 150,000 when you spend $5,000 within 90 days of approval. Card includes 20% bonus status credits on eligible Qantas flights, 10% savings on the base fare of selected flights for 2 travellers twice a year, travel insurance and complimentary lounge invitations. Card requires a minimum income of $200,000.
Balance Transfer
0% for
6 months
reverts to
21.99% p.a.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

19.99%
p.a.
Total Fees

Total annual and balance transfer fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

$1200
$1200 p.a.
annual fee
-$422
over 6 months
save

Frequently Asked Questions

Which banks can I balance transfer to?

Many balance transfer credit cards have limitations regarding the source of debt that can be transferred. Below is a handy table you can use to discover where you may be able to transfer to or from. Note that some brands may change card issuers from time to time which will change the balance transfer restrictions. Always confirm with the card issuer prior to requesting a balance transfer.

Transferring from:Cannot transfer to:
American ExpressAmerican Express
Bank of MelbourneBank of Melbourne, BankSA, St.George
Bank of Queensland (BOQ)BOQ, Citi, IMB, Suncorp, Virgin Money
Bank SABankSA, St.George, Bank of Melbourne
BankwestBankwest
CitiCiti, Coles, IMB, Suncorp, Qantas Money, Virgin Money
ColesColes, Citi, IMB, Suncorp, Virgin Money
IMBIMB, Citi, Coles , Suncorp, Virgin Money
JetstarJetstar, Myer, Macquarie
MyerMyer, Jetstar, Macquarie
NABNAB
Qantas MoneyQantas Money, Citi, Coles, IMB, Suncorp, Virgin Money
SuncorpSuncorp, Citi, Coles , IMB, Virgin Money
Virgin MoneyVirgin Money, Citi, Coles , IMB, Suncorp
WestpacWestpac

What is a balance transfer offer?

A balance transfer offer is and introductory interest rate applied to the balance transfer amount due to be transferred to the card for a set period of time. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Other transactions are subject to the purchase rate.

What is a purchase rate?

A purchase rate is the standard interest rate that applies to purchases on the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made, so it is extremely important to check that this does not apply to you if you have a balance transfer on your credit card. There are some cards with promotional purchase rates, offering 0% p.a. for a period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card.

What is included in our total fees calculation?

We want to make comparing cards as easy as possible, so we estimate total annual and balance transfer fees charged for the number of months the promotional period applies for each card. An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

How are Compare the Card savings calculated?

Our savings estimate is based on the amount that could be saved on interest charges and annual fees, as a result of transferring an eligible balance to the 0% balance transfer card for the interest-free period.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as applicable balance transfer and annual fees, along with the following assumptions:

  • No additional purchases or withdrawals are made
  • A minimum 3% balance repayment is made each month
  • Annual fees for the current year are charged in the first month
  • If applicable, the annual fee refund is processed in the month eligibility is met
  • There are 30 days in each month
  • Your existing card will be closed and will incur no further fees
  • Other fees are excluded

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms of Use for more information.

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