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0% Balance Transfer Credit Cards

Compare 0% Balance Transfer Credit Cards - Compare the leading 0% balance transfer credit card offers quickly and easily. Find long 0% balance transfer periods in seconds with Which4U.

Credit Cards

Editors Choice - Citibank Clear Platinum - 6 months 0%

Get a market leading package including a fantastically low APR of only 11.99%p.a coupled with 6 months 0% on Balance Transfers, Purchases and Cash Advances...

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Compare 0% Balance Transfer Credit Cards

0% Balance Transfer Credit Cards allow you to move funds to and from other cards that you may own with a lower rate, which makes it easy for you to keep debt at bay.

Compare 0% balance transfer credit cards with Which4U and you could find the right one for you in a matter of minutes. With competitive rates from each of the providers that we display, you can be sure that the card that you choose will be the best you can possibly get. You can find all of the information that you need on each card, side-by-side, making it easier for you to come to an informed decision as to which card will benefit you and your circumstances the most.

For Balance Transfers

Card	Issuer	Balance Transfers		Purchases		Std APR p.a	Annual Fee	Apply
Card	Issuer
	Citibank Clear Platinum Get complimentary international travel insurance, purchase cover and extended warranty insurance	Rate 0%	Duration 6 mths	Rate 0%	Duration 6 mths	Std APR p.a	Annual Fee	Apply	11.99%	$99 - $50 off in 1st year = $49	Apply > More Info

	HSBC Credit Card No Annual Fee for life of the Card.	Rate 0%	Duration 6 mths	Rate N/A	Duration N/A	17.99%	Free For Life	Apply > More Info

	St.George Vertigo Low ongoing rate and Balance Transfer offer	Rate 2.99%	Duration 6 mths	Rate N/A	Duration N/A	13.24%	No Annual Fee in 1st Yr, then $55	Apply > More Info

	Bank of Melbourne Vertigo Low ongoing rate and Balance Transfer offer	Rate 2.99%	Duration 6 mths	Rate N/A	Duration N/A	13.24%	No Annual Fee in 1st Yr, then $55	Apply > More Info

	Bankwest Breeze Classic MasterCard 12 months extra warranty + If you find cheaper within 21 days, claim the difference.	Rate 0%	Duration 6 mths	Rate 0%	Duration 4 mths	11.99%	$59 p.a.	Apply > More Info

	NAB Low Rate 12 months 1% on Balance Transfers (if you apply by 17th April 2013)	Rate 4.99%	Duration 6 mths	Rate N/A	Duration N/A	13.99%	$59 p.a.	Apply > More Info

	NAB Premium Card 1% on balance transfers for 12 months if you apply by 17th April 2013! Free Travel Insurance.	Rate 4.99%	Duration 6 mths	Rate N/A	Duration N/A	19.49%	$90 p.a.	Apply > More Info

	Virgin Money Velocity Flyer Card (BT Offer) Collect Velocity Flyer Points when you spend. Buy 1 seat and get 1 complimentary seat on up to 4 Virgin domestic flights per year.	Rate 0%	Duration 9 mths	Rate N/A	Duration N/A	20.99%	$129	Apply > More Info

	Westpac Low Rate Card	Rate 3.99%	Duration 6 mths	Rate N/A	Duration N/A	13.49%	$45 p.a.	Apply > More Info

	HSBC Platinum Qantas Card Get 20,000 Free Qantas Frequent Flyer points & Qantas Lounge access and membership to the Qantas Frequent Flyer Program (valued at $82.50)	Rate 0%	Duration 6 mths	Rate N/A	Duration N/A	18.99%	$199	Apply > More Info

	Virgin Low Rate Card One of the lowest ongoing interest rates around and a great low rate on balance transfers.	Rate 2.90%	Duration 9 mths	Rate N/A	Duration N/A	10.99%	$99	Apply > More Info

	Westpac 55 Day Classic Card	Rate 3.99%	Duration 6 mths	Rate 0%	Duration 6 mths	19.59%	No Annual Fee in 1st Yr, then $30	Apply > More Info

	Citibank Ready Credit	Rate 5.90%	Duration 24 mths	Rate 5.90%	Duration 18 mths	18.99%	$69 Establishment Fee - No Ongoing Fee	Apply > More Info

	St.George Amplify Earn Qantas Airmiles or Amplify Reward points	Rate 0.99%	Duration 6 mths	Rate N/A	Duration N/A	18.74%	No Annual Fee in 1st Yr, then $79	Apply > More Info

	Suncorp Gold Card 6 months 0% on Balance Transfers & 20.25%p.a standard rate	Rate 0%	Duration 6 mths	Rate N/A	Duration N/A	20.25%	50% off No Annual Fee in 1st Yr, then $120	Apply > More Info

	Citibank Rewards Platinum Get 1,000 points per month for 12 months when you spend on your card. Protect your purchases with Extended Warranty Insurance, Purchase Cover Insurance and Guaranteed Pricing Scheme.	Rate 1.50%	Duration 15 mths	Rate N/A	Duration N/A	20.99%	$199 p.a	Apply > More Info

	Aussie Mastercard	Rate 5.99%	Duration 5 mths	Rate 2.99%	Duration 4 mths	12.49%	$49 p.a.	Apply > More Info

	St.George Platinum	Rate 3.99%	Duration 6 mths	Rate N/A	Duration N/A	15.99%	No Annual Fee in 1st Yr, then $89	Apply > More Info

	Bankwest More Classic Card Get BankWest More Rewards program or Qantas Frequent Flyer points	Rate 0%	Duration 6 mths	Rate N/A	Duration N/A	19.49%	$70 p.a.	Apply > More Info

	Virgin Money Velocity High Flyer Card Buy 1 seat and get 1 seat FREE on up to 4 Virgin domestic flights per year (You still cover Booking Fees) + Complimentary International Travel Insurance for you and your family	Rate 1.90%	Duration 6 mths	Rate N/A	Duration N/A	20.99%	$289	Apply > More Info

	Virgin No Annual Fee Card	Rate 2.90%	Duration 6 mths	Rate N/A	Duration N/A	18.99%	Free For Life	Apply > More Info

Citibank Clear Platinum

Advice

Save $50 on your 1st years annual fee reducing the cost from $99 to $49! Also, get up to 4 additional card holders - annual fee of $19 each. Standard rate will change to 12.99% p.a. from 1 October.

Introductory Offer
Balance Transfer Rate:	0% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	0% p.a. for 6 mths
Annual Rates
Balance Transfers:	21.74% p.a.
Purchases:	11.99% p.a.
Cash Advance:	21.74% p.a.
Annual Fee:	$99 - $50 off in 1st year = $49
Standard Features
Credit Limit:	$20,000
Interest Free Days:	Up to 55 days
On-Line Banking:	No
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $40,000.pa You have not applied and been declined for another Citibank product in the last 9 months Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

HSBC Credit Card

Advice

No Annual Fee for Life

Introductory Offer
Balance Transfer Rate:	0% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	N/A
Purchases:	17.99% p.a.
Cash Advance:	21.99% p.a.
Annual Fee:	Free For Life
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have a Income of over $20,000.pa

St.George Vertigo

Advice

Low ongoing rate and Balance Transfer offer

Introductory Offer
Balance Transfer Rate:	2.99% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	13.24% p.a.
Purchases:	13.24% p.a.
Cash Advance:	21.49% p.a.
Annual Fee:	No Annual Fee in 1st Yr, then $55
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an income of $15,000 or more per year

Bank of Melbourne Vertigo

Advice

Low ongoing rate and Balance Transfer offer

Introductory Offer
Balance Transfer Rate:	2.99% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	13.24% p.a.
Purchases:	13.24% p.a.
Cash Advance:	21.49% p.a.
Annual Fee:	No Annual Fee in 1st Yr, then $55
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an income of $15,000 or more per year

Bankwest Breeze Classic MasterCard

Advice

Please note this card offers a standard rate of 11.99%p.a - Australia's lowest MasterCard purchase rate! Australia's cheapest credit card, awarded by Money magazine 2012!

Introductory Offer
Balance Transfer Rate:	0% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	0% p.a. for 4 mths
Annual Rates
Balance Transfers:	11.99% p.a.
Purchases:	11.99% p.a.
Cash Advance:	21.99% p.a.
Annual Fee:	$59 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Earned Taxable Income of over $20,000.pa

NAB Low Rate

Advice

The NAB Low Rate Card offers one of the lowest standard rates of any card in Australia! Get 12 months 1% on Balance Transfers (if you apply by 17th April 2013)

Introductory Offer
Balance Transfer Rate:	4.99% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	13.99% p.a.
Purchases:	13.99% p.a.
Cash Advance:	21.74% p.a.
Annual Fee:	$59 p.a.
Standard Features
Credit Limit:	Minimum $500
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You are NOT Self-employed You have a Good Credit History You are a permanent resident/citizen of Australia You DO NOT have an RMB/RSD (Roadside Mailbox or Roadside Delivery)as the only form of street address

NAB Premium Card

Advice

Get 1% on Balance Transfers for 12 months if you apply by 17th April 2013

Introductory Offer
Balance Transfer Rate:	4.99% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	19.49% p.a.
Purchases:	19.49% p.a.
Cash Advance:	21.74% p.a.
Annual Fee:	$90 p.a.
Standard Features
Credit Limit:	Minimum $5000
Interest Free Days:	Up to 44 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You are NOT Self-employed You have a Good Credit History You are a permanent resident/citizen of Australia You DO NOT have an RMB/RSD (Roadside Mailbox or Roadside Delivery) as the only form of street address You have an Income of over $50,000 p.a

Virgin Money Velocity Flyer Card (BT Offer)

Advice

Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second complimentary seat on the flight, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate:	0% p.a. for 9 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	20.99% p.a.
Purchases:	20.99% p.a.
Cash Advance:	20.99% p.a.
Annual Fee:	$129
Standard Features
Credit Limit:	$6,000 - $100,000
Interest Free Days:	Up to 44 days
On-Line Banking:	Yes
Approval Criteria
You are over 18 years of age. You have a good credit rating. You have an annual Income of $35000 p.a. or more. You are a permanent resident/citizen of Australia You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards) Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Westpac Low Rate Card

Introductory Offer
Balance Transfer Rate:	3.99% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	13.49% p.a.
Purchases:	13.49% p.a.
Cash Advance:	21.49% p.a.
Annual Fee:	$45 p.a.
Standard Features
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

HSBC Platinum Qantas Card

Advice

Receive a bonus 20,000 Qantas Frequent Flyer points. You can redeem those points for a Classic Award economy flight from Sydney to Melbourne (8,000 points plus $23.53 in surcharges, fees and taxes).

Introductory Offer
Balance Transfer Rate:	0% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	18.99% p.a.
Purchases:	18.99% p.a.
Cash Advance:	21.99% p.a.
Annual Fee:	$199
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 45 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have a Income of over $60,000.pa

Virgin Low Rate Card

Introductory Offer
Balance Transfer Rate:	2.90% p.a. for 9 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	21.69% p.a.
Purchases:	10.99% p.a.
Cash Advance:	21.69% p.a.
Annual Fee:	$99
Standard Features
Credit Limit:	$6,000 - $100,000
Interest Free Days:	Up to 44 days
On-Line Banking:	Yes
Approval Criteria
You are over 18 years of age. You have a good credit rating. You have an annual Income of $35000 p.a. or more. You are a permanent resident/citizen of Australia You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards) Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Westpac 55 Day Classic Card

Advice

For your loyalty, every year you spend at least $10,000 p.a. Westpac will waive the annual fee the following year!!

Introductory Offer
Balance Transfer Rate:	3.99% p.a. for 6 mths
Balance Transfer Fee:	1%
Purchase Rate:	0% p.a. for 6 mths
Annual Rates
Balance Transfers:	19.59% p.a.
Purchases:	19.59% p.a.
Cash Advance:	21.49% p.a.
Annual Fee:	No Annual Fee in 1st Yr, then $30
Standard Features
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Citibank Ready Credit

Advice

There is a $69 card activation fee charged on first spend. There are NO ANNUAL FEE or transaction, EFTPOS or cash advance fees with this card.

Introductory Offer
Balance Transfer Rate:	5.90% p.a. for 24 mths
Balance Transfer Fee:	N/A
Purchase Rate:	5.90% p.a. for 18 mths
Annual Rates
Balance Transfers:	18.99% p.a.
Purchases:	18.99% p.a.
Cash Advance:	18.99% p.a.
Annual Fee:	$69 Establishment Fee - No Ongoing Fee
Standard Features
Credit Limit:	$25,000
Interest Free Days:	Up to 0 days
On-Line Banking:	No
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $35,000.pa You are NOT an existing Citibank customer & have NOT made an application to Citibank within the last 9 months

St.George Amplify

Advice

You have a choice of St.George Amplify Reward Points or Qantas Reward Points

Introductory Offer
Balance Transfer Rate:	0.99% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	18.74% p.a.
Purchases:	18.74% p.a.
Cash Advance:	20.74% p.a.
Annual Fee:	No Annual Fee in 1st Yr, then $79
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia

Suncorp Gold Card

Advice

An additional annual fee of $19 will apply to join Suncorp Qantas Frequent Flyer program. $15 for an Additional Suncorp Clear Options Gold

Introductory Offer
Balance Transfer Rate:	0% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	20.25% p.a.
Purchases:	20.25% p.a.
Cash Advance:	20.75% p.a.
Annual Fee:	50% off No Annual Fee in 1st Yr, then $120
Standard Features
Credit Limit:	$60,000
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
Are at least 18 years of age Have a good credit rating Earn taxable income of $35,000 per year or more Are a permanent Australian resident If you are an existing Suncorp credit cardholder, you must have held your current account for at least 9 months before you can apply for another Suncorp credit card.

Citibank Rewards Platinum

Introductory Offer
Balance Transfer Rate:	1.50% p.a. for 15 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	21.74% p.a.
Purchases:	20.99% p.a.
Cash Advance:	21.74% p.a.
Annual Fee:	$199 p.a
Standard Features
Credit Limit:	$20,000
Interest Free Days:	Up to 55 days
On-Line Banking:	No
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $40,000.pa You have not applied and been declined for another Citibank product in the last 9 months Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Aussie Mastercard

Advice

With the low rate Aussie MasterCard® they've done away with unnecessary extras like expensive rewards. You get a no-nonsense credit card with a great low rate on purchases.

Introductory Offer
Balance Transfer Rate:	5.99% p.a. for 5 mths
Balance Transfer Fee:	N/A
Purchase Rate:	2.99% p.a. for 4 mths
Annual Rates
Balance Transfers:	12.49% p.a.
Purchases:	12.49% p.a.
Cash Advance:	20.99% p.a.
Annual Fee:	$49 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $15,000.pa If you are NOT permanent resident/citizen of Australia you must have an Income of over $50,000.pa

St.George Platinum

Introductory Offer
Balance Transfer Rate:	3.99% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	15.99% p.a.
Purchases:	15.99% p.a.
Cash Advance:	21.49% p.a.
Annual Fee:	No Annual Fee in 1st Yr, then $89
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia

Bankwest More Classic Card

Advice

Get 4,000 Qantas Frequent Flyer points after first use of your card!

Introductory Offer
Balance Transfer Rate:	0% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	19.49% p.a.
Purchases:	19.49% p.a.
Cash Advance:	21.99% p.a.
Annual Fee:	$70 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Earned Taxable Income of over $15,000.pa

Virgin Money Velocity High Flyer Card

Advice

Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second seat on the flight for FREE, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate:	1.90% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	20.99% p.a.
Purchases:	20.99% p.a.
Cash Advance:	20.99% p.a.
Annual Fee:	$289
Standard Features
Credit Limit:	$15,000 - $100,000
Interest Free Days:	Up to 44 days
On-Line Banking:	Yes
Approval Criteria
You are over 18 years of age. You have a good credit rating. You have an annual Income of $75,000 p.a. or more. You are a permanent resident/citizen of Australia You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards) Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Virgin No Annual Fee Card

Introductory Offer
Balance Transfer Rate:	2.90% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	20.99% p.a.
Purchases:	18.99% p.a.
Cash Advance:	20.99% p.a.
Annual Fee:	Free For Life
Standard Features
Credit Limit:	$2,000 - $10,000
Interest Free Days:	Up to 44 days
On-Line Banking:	Yes
Approval Criteria
You are over 18 years of age. You have a good credit rating. You have an annual Income of $25000 p.a. or more. You are a permanent resident/citizen of Australia You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards) Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

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Compare0% Balance Transfer Credit Cards

Credit Cards

Editors Choice - Citibank Clear Platinum - 6 months 0%

Compare 0% Balance Transfer Credit Cards

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