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0% p.a. for 13 months
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0% for 13 months, reverts to 20.99% p.a.
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$49 p.a. annual fee for the first year ($149 p.a. thereafter)
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Finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
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0% p.a. for 14 months
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12.99% p.a.
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$0 p.a. annual fee for the first year ($99 p.a. thereafter)
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Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 September 2019.
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0% p.a. for 26 months with 1.5% balance transfer fee
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20.99% p.a.
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$0 p.a. annual fee for the first year ($199 p.a. thereafter)
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Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus $0 first year annual fee.
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0% p.a. for 15 months with 1% balance transfer fee
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20.99% p.a.
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$49 p.a. annual fee for the first year ($149 p.a. thereafter)
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Earn up to 120,000 bonus reward Points. Get 80,000 when you spend $3,000 in the first 90 days and 40,000 after you pay the second year annual fee.
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0% p.a. for 15 months with 1% balance transfer fee
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20.99% p.a.
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$199 p.a. annual fee for the first year ($395 p.a. thereafter)
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Offers 120,000 bonus reward Points, a $199 first year annual fee, airport lounge passes and premium perks.
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0% p.a. for 15 months with 1.5% balance transfer fee
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20.99% p.a.
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$49 p.a. annual fee for the first year ($99 p.a. thereafter)
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Earn Points per $1 spent and up to $50 cashback when you meet the spend criteria. Plus, a 15 per month balance transfer offer.
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0% p.a. for 15 months
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20.99% p.a.
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$49 p.a. annual fee for the first year ($444 p.a. thereafter)
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Get up to 150,000 bonus Qantas Points when you meet the spend requirement, a first year annual fee discount and complimentary travel perks.
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0% p.a. for 9 months
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20.99% p.a.
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$149 p.a. annual fee for the first year ($299 p.a. thereafter)
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Receive up to 60,000 bonus Skywards Miles and pay half the annual fee for the first year.
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0% p.a. for 6 months
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20.99% p.a.
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$700 p.a.
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Enjoy 150,000 bonus reward Points, unlimited airport lounge access, complimentary insurance covers and more.
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0% p.a. for 12 months
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20.99% p.a.
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$49 p.a. annual fee for the first year ($149 p.a. thereafter)
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Earn 70,000 flybuys bonus points. Plus, save with a reduced first year annual fee and 0% balance transfer offer.
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0% p.a. for 6 months
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20.99% p.a.
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$749 p.a.
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Receive 70,000 bonus Qantas Points. Plus, unlimited airport lounge access with Priority Pass and complimentary travel insurance.
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Can I do a balance transfer from a Bankwest Credit Card to a Commonwealth Bank Personal Loan?
Hi VW,
Thank you for getting in touch with finder.
Currently, you are not be able to do that. As per Bankwest’s balance transfer T&Cs, you may at any time request them, and they may agree, to transfer any debit balance of a credit card, store card or charge card account held with another Australian financial institution by you or an additional cardholder to the card account.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
I applied for a Virgin Flyer Card with balance transfer 18 months interest free to clear a personal loan.
Upon activation and calling to arrange the BT, I was advised by the call centre that they are unable to transfer to a personal loan (even after I supplied the Biller Code and Ref No).
Instead they’re sending me a cheque for the BT amount!
Hello Jo!
That sounds a surprise for you! But don’t be! :)
Some credit card companies use “convenience checks” that will let you do balance transfer. If you sign and use that check to pay off your loan, the check amount gets drawn from the credit limit you have in your card, then the agreed rates and fees ensue.
You may want to talk with your credit card company to confirm if this is a valid alternative instead of transferring your loan to your card themselves.
Hope this helps.
Cheers,
Jonathan
Hi! When applying for a card for balance transfer (24 months interest free), can I specify that it’s for a balance transfer and the amount, such as $20,000 personal loan. Also, can I be notified of the card’s maximum before actually going ahead? Or is it more-so that once I have applied, if they approve it I need to pay the fee for the card and have it regardless of the maximum amount? My fear is that they may give a low maximum when the point of applying might have been to balance transfer close to a $20,000 personal loan figure. Thanks.
Hi Ben!
Thanks for your inquiry.
Usually, during the application process, it is not necessary for you to declare the purpose why and how much you need when you’re applying for a card. The approval will depend on the bank’s internal criteria and this will determine your credit limit and how much you can transfer (most only allow 80% of your approved limit to ensure you don’t go over).
We understand it concerns you that you might be approved for a card with inadequate credit line and you need to bear with the fees, but take note that whatever balances you successfully transferred and get a 0% offer, would still translate to some savings on your wallet.
Another solution is you might consider talking with your existing lender to give you more friendly repayment plan for your personal loan, that way you don’t need to be concerned about transferring debt.
Hope this helps.
Cheers,
Jonathan
Hi,
Can you please advise if there is any fee charged if you pay off the balance transfer amount prior to the allocated period expires?
Thank you
Hi Joan,
Thanks for your question.
There is no fee for paying off your bill before the end of the promotional period. It’s ideal to pay off the debt before the end of the introductory period so that you can avoid higher interest charges.
Best regards,
Liezl
Hi,
Once I transfer my personal loan to the credit card with Citibank, would this new credit debt, would it be considered a personal loan or a credit card debt? if it considered a credit card debt, after the 24 months period end, can I balance transfer this remaining amount to another credit card with another bank institution, to still keep going with the balance transfer with no interest?
Hi Moe,
Thanks for your inquiry.
Yes, once you have successfully transferred your personal loans to a balance transfer credit card with Citibank, that debt will be considered as a credit card debt. So if you want to transfer the remaining balance to another credit card from a different card issuer after 24 months, you may do so.
Cheers,
May
I have a personal loan and credit card with ANZ. Is it possible to do a balance transfer to Citibank or Virgin?
Hi Mibbies, thanks for your inquiry!
Yes, you can. It would be best to contact Citibank or Virgin before you apply for the balance transfer so you can discuss your options and chances of approval. Make sure to read the eligibility criteria and requirements as well before applying.
Cheers,
May
I have a personal loan with Citi, can I do a balance transfer to a Virgin card?
Hi Katie,
Thanks for your question.
Generally, with Citi and Virgin, you are allowed to balance transfer a personal loan to a credit card.
However, you may wish to speak directly with Virgin, to confirm if you are able to transfer a Citi balance over to a Virgin credit card.
I’ve emailed you the link of their contact information for your convenience.
Cheers,
Ysa
Can I use this balance transfer option to pay off an existing car loan?
Hi Lee,
Thanks for your question.
Whether you can balance transfer a personal loan on to a credit card will depend on the card.
Did you have a particular card in mind? If so, we could do some research and confirm that for you.
Cheers,
Sally
Hello, I have a $210k home loan through commonwealth bank at which i pay a normal home loan interest rate of 4.9%. I am wondering there is a way i can balance transfer from a credit card into a home loan offset account for 18 months? Any ideas and suggestions would be great.
Hi Dan, thanks for your inquiry!
Unfortunately balance transferring to offset accounts are not possible since you can only deposit funds in this type of account. You may like to compare balance transfer credit cards if you are looking to consolidate your debt.
Cheers,
Jonathan
What is the best deal to do balance tranfer on a personal loan plus existing card with minimum annual fee, 0% interest?
Hi Hon, thanks for your inquiry!
Citibank and Virgin Money are the only providers to allow balance transfers from a personal loan to credit card. You can compare the best deals for you on this page on the comparison tables we have provided.
Cheers,
Jonathan