Home  |   Rates Side by Side Credit Cards

Rates Side by Side Credit Cards

The following rates cover all of the balance transfer credit card offers in Australia. These balance transfer rates are updated daily and should represent the latest rates from the banks, although we recommended double checking the rates on the bank’s website before committing to a credit card.

If you would like to see these credit cards in a more organised way that suits your needs, then please try the 0% balance transfers, low rate balance transfers, 6 month balance transfers, 12 month balance transfers and lifetime balance transfer product pages.
  1. Click on table items to expand and learn more
  2. 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

ANZ Balance Visa

ANZ Balance Visa

14.49%
p.a.

N/A

0%
55 days

$79
($57 p.a. + $22 Rewards Program Fee)

Cashback, Shopping, Good Times

ANZ Balance Visa

Add to shortlist

  • Enjoy all the benefits of this card and pay a low annual fee of $79
  • Range of vouchers and gift certificates
  • 24/7 monitoring of suspicious transactions
  • You must have an income of over $15,000
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 14.49%. Cash advances have an annual interest rate of 21.74%.
There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 14.49%.
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 14.49% on any purchases you make.
This credit card has an annual fee of $79 ($57 p.a. + $22 Rewards Program Fee)
You can earn up to 1 rewards points for every dollar you repay to your balance, including repayments to purchases, fees, interest, cash advances and repayments on balances transferred. You can redeem points for cashback, shopping vouchers and gift cards.

ANZ First Visa

ANZ First Visa

0% for first 3 months
then reverts to 19.24%

0%
p.a.
for 3 months

0%
44 days

$30

No rewards

ANZ First Visa

Add to shortlist

  • Enjoy all the benefits of this card and pay a low annual fee of $30
  • 24/7 monitoring of suspicious transactions
  • Add 3 additional cardholders at no extra cost
  • No reward scheme available
Special offer: 0% p.a. for the first 3 months (ends 13.03.2012). After this period you will be charged an annual interest rate of 19.24%. Cash advances have an annual interest rate of 20.99%.
There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 19.24%.
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 19.24% on any purchases you make.
This credit card has an annual fee of $30
You do not receive rewards on this card.

ANZ Low Rate MasterCard

ANZ Low Rate MasterCard

0% for first 3 months
then reverts to 13.24%

0%
p.a.
for 3 months

0%
55 days

$58
p.a.

No rewards

ANZ Low Rate MasterCard

Add to shortlist

  • Enjoy all the benefits of this card and pay a low annual fee of $58
  • Range of discounts and vouchers
  • 24/7 monitoring of suspicious transactions
  • No reward scheme available
Special offer: 0% p.a. for the first 3 months (ends 13/03/2012). After this period you will be charged an annual interest rate of 13.24%. Cash advances have an annual interest rate of 21.49%.
There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 13.24%.
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 13.24% on any purchases you make.
This credit card has an annual fee of $58 p.a.
You do not receive rewards on this card.

Aussie MasterCard

Aussie MasterCard

9.99%
first 12 months (reverts to 13.29%)

2.99%
p.a.
12 months

0%
55 days

$49
p.a.

No rewards

Add to shortlist

  • Enjoy all the benefits of this card and pay only $49 for the annual fee
  • A low interest rate of 9.99% for the first 12 months
  • No balance transfers between Aussie cards
  • You must have an income of over $50,000 p.a. for non-permanent Australian residents
Up to 55 days interest free from the date the purchase is made, after this period you will be charged an interest rate of 9.99% for the first 12 months, then the rate reverts to 13.29% p.a. Cash advances have an annual interest rate of 19.99%.
Enjoy a rate of 2.99% on balance transfers for up to the first 12 months. Once the 2.99% period ends you will be charged an interest rate of 9.99% for the first 12 months, then the rate reverts to 12.99% p.a. 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 of 9.99% for the first 12 months, then the rate reverts to 13.29% p.a. on any purchases you make.
This credit card has an annual fee of $49 p.a.
There are no rewards for this credit card.

Bank of Queensland Gold Visa Card

Bank of Queensland Gold Visa Card

20.74%
p.a.

1.9%
p.a.
6 months

0%
55 days

$120
p.a.

Travel, Shopping

Add to shortlist

  • 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

Citibank BP MasterCard

20.89%
p.a.

0%
p.a.
6 months

0%
55 days

$89
p.a.

Cashback

Citibank BP MasterCard

Add to shortlist

  • 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

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

Add to shortlist


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

St.George Platinum Credit Card

15.99%
p.a.

3.99%
p.a.
6 months

0%
55 days

$89
p.a.

Discounts

St.George Platinum Credit Card

Add to shortlist

  • 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 Vertigo MasterCard

St.George Vertigo MasterCard

13.24%
p.a.

0.99%
6 months

0%
55 days

$55
p.a.

Discounts

St.George Vertigo MasterCard

Add to shortlist

  • Enjoy all the benefits of this card and pay a low annual fee of $55
  • 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 13.24% for 6 months, then the interest rate moves to 12.24% p.a. Cash advances have an annual interest rate of 21.49%.
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 13.24% 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 13.24% on any purchases you make.
This credit card has an annual fee of $55 p.a.
You receive instant discounts and added extras with St.George Instant Benefits such as entertainment and shopping vouchers.

Suncorp Clear Options Standard Credit Card

Suncorp Clear Options Standard Credit Card

12.74%
p.a.

N/A

0 days

$27
(usually $55)

No rewards

Add to shortlist

  • Enjoy all the benefits of this card and pay a low annual fee of $27
  • Range of entertainment offers
  • You must have an income of over $20,000
  • After N/A months, balance transfers have a cash advance interest rate of 21.99% p.a.
You will be charged an annual interest rate of 12.74% on all purchases and 21.99% on all cash advances.
There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 12.74%.
There is no introductory purchases offer on this product and any purchases will incur 12.74% interest rate.
This credit card has an annual fee of $27 (usually $55)
You do not receive rewards on this card.

St.George Amplify Credit Card

St.George Amplify Credit Card

18.74%
p.a.

0.99%
p.a.
6 months

0%
55 days

$79
p.a.

Amplify Rewards

St.George Amplify Credit Card

Add to shortlist

  • 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

Virgin No Annual Fee Credit Card

18.99%
p.a.

2.9%
p.a.
6 months

0%
44 days

$0

No rewards

Virgin No Annual Fee Credit Card

Add to shortlist

 
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

Virgin Flyer Credit Card

20.99%
p.a.

1.9%
p.a.
9 months

0%
44 days

$99
p.a.

Travel, Shopping

Virgin Flyer Credit Card

Add to shortlist

 
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.

Latest News