Low Balance Transfer Credit Cards
Balance transfer credit cards provide consumers with a way to massively reduce their credit card interest. Credit card balance transfer offers are for a certain time period. It is important to review the interest rate the balance will move to if you believe you won’t be able to pay it off within the balance transfer period provided.
Do you have any concerns about your credit card debt? Over 60% of people with credit cards are experiencing some form of financial instability, but the saddest part is that in the majority of cases it is entirely preventable. By switching to a Balance Transfer credit card you can take the hassle out of your credit card debt by changing it all into one easy payment. On top of that, most Balance Transfer options offer a low rate of transfer for the first 6 months and can have interest rates as low as 0%!
Recommended Credit Cards
Virgin Flyer
Purchase Rate: 20.99% pa
Balance Transfer: 1.9% / 12 months
Annual Fee: $0
Get this deal
Citibank Ready Credit
Purchase Rate: 18.99% pa
Balance Transfer: 2.9% / 24 months
Annual Fee: $0
Get this deal
St. George Vertigo
Purchase Rate: 13.24% pa
Balance Transfer: 0.99% / 6 months
Annual Fee: $55
Get this deal
ANZ Platinum card
Purchase Rate: 0%* pa
Balance Transfer: 0% / 6 months
Annual Fee: $0*
Get this deal
Westpac Low Rate
Purchase Rate: 13.49% pa
Balance Transfer: 3.99% / 6 months
Annual Fee: $45
Get this deal
NAB Gold credit card
Purchase Rate: 19.49% pa
Balance Transfer: 1% / 12 months
Annual Fee: $90
Get this deal
Citibank Clear Platinum
Purchase Rate: 0% pa
Balance Transfer: 0% / 12 months
Annual Fee: 49
Get this deal
HSBC Credit Card
Purchase Rate: 17.99% pa
Balance Transfer: 0% / 8 months
Annual Fee: $0
Get this deal
- Credit Card Purchase
Rate Balance Transfer Annual
Fee Interest
Free Days Short Credit Card Description
20.99%
p.a.
1.9%
12 months
$0
Virgin Flyer exclusive offer: $0 annual fee in the first year + 1.9% p.a. on balance transfers for the first 12 months. Earn 1 Velocity point per $1 spent for the first $1500 per month & then 1 point per $2 spent thereafter. Also receive a complimentary seat on Virgin domestic flights when you buy one, up to 4 times every year!up to 44
Days18.99%
p.a.
2.9%
24 months
$0
Transfer non-Citibank credit cards, personal loans and store cards then pay just 2.9% p.a. for 24 months! This is the longest balance transfer on market and great for debt consolidation.up to n/a
Days13.24%
p.a.
0.99%
6 months
$55
The St George Vertigo credit card delivers a great low rate on purchases plus 0.99% balance transfer for 6 months. A great credit card offer.up to 55
Days0%*
p.a.
0%
6 months
$0*
The ANZ Platinum card currently features amazing value for money with 0% p.a. on purchases and balance transfers for the first 6 months and $0 annual fee for the first year (usually $87 and waived each year if the customer spends $20,000 or more during that year).up to 55
Days13.49%
p.a.
3.99%
6 months
$45
Low introductory purchase rate of 1.9% p.a. for the first 9 months with $0 annual fee first year. Get a low ongoing rate on purchases of 13.49% p.a.up to 55
Days19.49%
p.a.
1%
12 months
$90
A feature packed Gold card with a introductory rate of 1% on balance transfers for the first 12 months - Offer ends 30 June 2012.up to 44
Days0%
p.a.
0%
12 months
49
Get 2.9% p.a. balance transfers for the first 12 months and a low purchase rate of only 11.99% p.a. This credit card comes with a range of platinum benefits.up to 55
Days19.99%
p.a.
0.99%
6 months
$250
Get an introductory special balance transfer offer of 0.99% p.a. for the first 6 months.up to 45
Days17.99%
p.a.
0%
8 months
$0
The HSBC Credit Card was the Winner of Money Magazine's 2010 'Best Transactor Credit Card' and now has a special introductory offer of 0% on Balance Transfers for the first 8 months (2% handling fee) with no annual fee for life!up to 55
Days0%
p.a.
3.99%
6 months
$30
Introductory purchase rate of 0% for the first 5 months and 3.99% on balance transfers for 6 months. Get a low annual fee of $30, which is waived in the first year and up to 55 days interest free on purchases.up to 55
Days
Balance Transfer Credit Cards
Balance Transfer Credit Cards can help you take control of your finances. While normal credit cards can fool you with hidden fees and high interest rates, Balance Transfer credit cards allow you to pay back any debt you may have accumulated across all of your cards with one simple rate.
And that's not all. Some Balance Transfer credit cards even offer a 0% balance transfer rate, allowing you to transfer balances from multiple cards all onto one Balance Transfer card without gaining any additional debt. This lets you pay all your debts in one place, at one rate and stops money from draining away due to fees.
But how do you tell when a Balance Transfer Credit Card is right for you? Well if you find yourself with a lot of different credit cards, if you are worried about debt or if you just want a simple card with a low rate for maximum savings then a Balance Transfer Credit Card is the one for you.
Worried about your rewards? Balance Transfer Credit Cards offer some of the most competitive reward schemes around, allowing you to find a card which is tailored directly to your interests, be it Frequent Flyer, increased amount of points, bonus points, savings on Petrol or even complimentary meals.
There are a whole range of Balance Transfer Credit Card options, from basic credit cards all the way up to Platinum cards. Just because you are prioritising financial security doesn’t mean that you should be using a card that's inappropriate for your level of income. Experience all the benefits you expect from your credit card, with none of the hassles!
With a whole wealth of Balance Transfer Credit Card options and even more reasons to choose one, there’s no excuse to suffer from credit card debt or poor financial planning. We’ve collected some of the best Balance Transfer Credit Cards in the world and compared them below, so you can find a card which is perfectly suited for your lifestyle.