The following list of credit cards offers a 6 month balance transfer. Please look through the 6 month balance transfer offers and compare the small print, such as interest rates during and after the balance transfer so that you get the best interest rate possible (lower interest rates means lower monthly payments). Also, be aware that some of the credit cards have an application fee, which might result in you not saving any money. Our advice is to find the 6 month balance transfer offer with the lowest interest rate and lowest or no application fee.
If you think that 6 months won’t be long enough for you to pay off your debt then we recommend applying for a
12 month balance transfer deal or simply apply for another 6 month, low interest rate balance transfer after the 6 month period.
Tip from Credit Card Researcher: Please make sure you never use your balance transfer credit card, to find out why watch our
balance transfer video guide.
- Click on table items to expand and learn more
- Select credit cards to add to your shortlist to see more in-depth comparison. Maximum of 4 cards at a time.
Credit Card |
Interest Rate |
Balance Transfer Rate |
Interest Free Days (up to) |
Annual Fee |
Rewards |
|
|
Bank of Queensland Gold Visa Card
|
20.74% p.a.
|
1.9% p.a.
6 months
|
0% 55 days
|
$120 p.a.
|
Travel, Shopping
|
|
- Enrollment into the Q Rewards® program
- Free International Travel Insurance
- Free Purchase Cover Insurance
Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.74%. Cash advances have an annual interest rate of 21.74%.
Enjoy an interest rate (per annum) of 1.9% on balance transfers for up to the first 6 months. Once the 1.9% period ends you will be charged an annual interest rate of 20.74% on the transferred balance.
You will not be charged interest on any purchases for the first 55. Once the 0% period ends you will be charged an interest rate (per annum) of 20.74% on any purchases you make.
This credit card has an annual fee of $120 p.a.
You can earn up to 1 reward points for every dollar you spend and your points do not expire as long as your card stays active. You can redeem points for travel services and shopping offers.
|
|
Citibank BP MasterCard
|
20.89% p.a.
|
0% p.a.
6 months
|
0% 55 days
|
$89 p.a.
|
Cashback
|
|
- Enjoy all the benefits of this card and pay a low annual fee of $89
- 0% p.a. balance transfer for 6 months + $50 cash back on first spend
- You must have an income of over $20,000
Up to 55 days interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.89%. Cash advances have an annual interest rate of 21.39%.
Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first 6 months. Once the 0% period ends you will be charged an annual interest rate of 21.39% on the transferred balance.
You will not be charged interest on any purchases for the first 55 days. Once the 0% period ends you will be charged an interest rate (per annum) of 20.89% on any purchases you make.
This credit card has an annual fee of $89 p.a.
Earn $50 cash back on first spend and you can earn 5% cashback on purchases at BP or every day purchases earn you 0.5% cashback on the first $5,000 you spend.
|
|
HSBC Credit Card
|
17.99% p.a.
|
0% p.a.
for 6 months, 2% handling fee applies
|
0% 55 days
|
$0 annual fee for the life of the card
|
No rewards
|
|
|
Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 17.99%. Cash advances have an annual interest rate of 21.99%.
Enjoy an interest rate (per annum) of 0% on balance transfers for up to the first for 6 months, 2% handling fee applies. Once the 0% period ends you will be charged an annual interest rate of 21.99% on the transferred balance.
You will not be charged interest on any purchases for the first 55. Once the 0% period ends you will be charged an interest rate (per annum) of 17.99% on any purchases you make.
This credit card has an annual fee of $0 annual fee for the life of the card
You do not receive rewards on this card.
|
|
St.George Platinum Credit Card
|
15.99% p.a.
|
3.99% p.a.
6 months
|
0% 55 days
|
$89 p.a.
|
Discounts
|
|
- Enjoy all the benefits of this card and pay a low annual fee of $89
- Free shopping and travel insurances
- 24/7 access to the Personal Concierge Service
- No balance transfers between St.George or BankSA
Up to 55 days interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 15.99%. Cash advances have an annual interest rate of 21.49%.
Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 15.99% on the transferred balance.
You will not be charged interest on any purchases for the first 55 days. Once the 0% period ends you will be charged an interest rate (per annum) of 15.99% on any purchases you make.
This credit card has an annual fee of $89 p.a.
You revcieve instant discounts and added extras with St.George Instant Benefits such as entertainment and shopping vouchers.
|
|
St.George Amplify Credit Card
|
18.74% p.a.
|
0.99% p.a.
6 months
|
0% 55 days
|
$79 p.a.
|
Amplify Rewards
|
|
- Enjoy all the benefits of this card and pay a low annual fee of $79
- Range of discounts through St.George Instant Benefits
- 24/7 monitoring of suspicious transactions
- No balance transfers between St.George or BankSA
Up to 55 days interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 18.74%. Cash advances have an annual interest rate of 20.74%.
Enjoy an interest rate (per annum) of 0.99% on balance transfers for up to the first 6 months. Once the 0.99% period ends you will be charged an annual interest rate of 18.74% on the transferred balance.
You will not be charged interest on any purchases for the first 55 days. Once the 0% period ends you will be charged an interest rate (per annum) of 18.74% on any purchases you make.
This credit card has an annual fee of $79 p.a.
You receive instant discounts and added extras with St.George Instant Benefits such as entertainment and shopping vouchers.
|
|
Virgin No Annual Fee Credit Card
|
18.99% p.a.
|
2.9% p.a.
6 months
|
0% 44 days
|
$0
|
No rewards
|
|
|
Up to 44 days interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 18.99%. Cash advances have an annual interest rate of 20.99%.
Enjoy an interest rate (per annum) of 2.9% on balance transfers for up to the first 6 months. Once the 2.9% period ends you will be charged an annual interest rate of 20.99% on the transferred balance.
You will not be charged interest on any purchases for the first 44 days. Once the 0% period ends you will be charged an interest rate (per annum) of 18.99% on any purchases you make.
This credit card has no annual fee.
There are no rewards for this credit card.
|
|
Virgin Flyer Credit Card
|
20.99% p.a.
|
1.9% p.a.
9 months
|
0% 44 days
|
$99 p.a.
|
Travel, Shopping
|
|
|
Up to 44 days interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.99%. Cash advances have an annual interest rate of 20.99%.
Enjoy an interest rate (per annum) of 1.9% on balance transfers for up to the first 9 months . Once the 1.9% period ends you will be charged an annual interest rate of 20.99% on the transferred balance.
You will not be charged interest on any purchases for the first 44 days. Once the 0% period ends you will be charged an interest rate (per annum) of 20.99% on any purchases you make.
This credit card has an annual fee of $99 p.a.
Earn 1 Velocity Point per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2. Buy a Virgin Blue seat with your new card and we'll give you a second seat for free, up to 4 times a year including Blue Saver fares.
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