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Can I balance transfer a personal loan to a credit card?

Compare credit cards that accept balance transfers from personal loans and save with low or 0% interest during the introductory period.

Amy Bradney-George
Amy Bradney-George

Last updated:

Most credit cards that offer low or 0% balance transfer rates only accept debts from Australian credit cards, store cards or charge cards. But there are also a limited number of credit card providers that allow you to balance transfer a personal loan debt, including Citi, Coles, Qantas Money and Virgin Money.

Use this guide to compare balance transfer credit cards that accept personal loan debt. You can also find out what steps you need to take to transfer your personal loan debt to a credit card and the key factors to consider so you can find the right card to pay off your debt.

Compare cards that let you transfer a personal loan to a credit card

Exclusive to finder.com.au - Citi Credit Card Offer

Citi Rewards Platinum Credit Card - Exclusive Offer

0% for 13 months on purchases & balance transfers
Discounted annual fee of $49 for the first year
Exclusive to finder.com.au

Offer ends 31 December 2019

Eligibility criteria, terms and conditions, fees and charges apply

Exclusive to finder.com.au - Citi Credit Card Offer

Save with 0% interest on purchases and balance transfers (with no balance transfer fee) for up to 13 months and a discounted annual fee for the first year.

  • $49 first year annual fee ($149 thereafter)
  • 0% interest for the first 13 months on purchases & balance transfers
  • 21.49% p.a. purchase interest rate | 22.24% p.a. cash advance rate
  • Complimentary travel and purchase insurance covers
  • Minimum credit limit of $6,000
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Promoted
Rates last updated November 18th, 2019
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount Saved Product Description
Citi Rewards Platinum Credit Card - Exclusive Offer
Exclusive
Citi Rewards Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months
0% for 13 months, reverts to 21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
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.
Go to site More info
Citi Clear Platinum Credit Card
Citi Clear Platinum Credit Card
0% p.a. for 9 months
0% for 9 months, reverts to 14.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.
Go to site More info
Citi Rewards Platinum Credit Card - Balance Transfer Offer
Citi Rewards Platinum Credit Card - Balance Transfer Offer
0% p.a. for 26 months with 1.5% balance transfer fee
21.49% p.a.
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
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.
Go to site More info
Citi Rewards Platinum Credit Card
Citi Rewards Platinum Credit Card
0% p.a. for 15 months with 1% balance transfer fee
21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
80k bonus Citi reward Points when you spend $3,000 in 90 days and 40k the second year, up to 120,000 total. 120k Points = 48k Velocity Points.
Go to site More info
Citi Rewards Signature Credit Card
Citi Rewards Signature Credit Card
0% p.a. for 15 months with 1% balance transfer fee
21.49% p.a.
$199 p.a. annual fee for the first year ($395 p.a. thereafter)
Offers 120,000 bonus reward Points, a $199 first year annual fee, airport lounge passes and premium perks.
Go to site More info
Emirates Citi World Mastercard
Emirates Citi World Mastercard
0% p.a. for 9 months
21.49% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Receive up to 60,000 bonus Skywards Miles and pay half the annual fee for the first year.
Go to site More info
Citi Signature Qantas Credit Card
Citi Signature Qantas Credit Card
0% p.a. for 15 months
21.49% p.a.
$49 p.a. annual fee for the first year ($444 p.a. thereafter)
Get up to 150,000 bonus Qantas Points when you meet the spend requirement, a first year annual fee discount and complimentary travel perks.
More info
Citi Rewards Platinum Credit Card - flybuys Offer
Citi Rewards Platinum Credit Card - flybuys Offer
0% p.a. for 12 months
21.49% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 70,000 flybuys bonus points. Plus, save with a reduced first year annual fee and 0% balance transfer offer.
More info

Compare up to 4 providers

Coles Credit Card Offer

Coles No Annual Fee Mastercard

0% p.a. for 12 months
on purchases and balance transfers

Offer ends 31 January 2020

Eligibility criteria, terms and conditions, fees and charges apply

Coles Credit Card Offer

Save with 0% interest rates on purchases and balance transfers for the first 12 months. Plus, an ongoing $0 annual fee.

  • 0% p.a. on purchases for 12 months (reverts to 19.99% p.a.)
  • 0% p.a. on balance transfers for 12 months (reverts to 19.99% p.a.)
  • Earn 0.5 flybuys point per $1 spent on eligible purchases
  • $10 off your Coles supermarket shop when you redeem 2,000 points
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Promoted
Rates last updated November 18th, 2019
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount Saved Product Description
Coles No Annual Fee Mastercard
Coles No Annual Fee Mastercard
0% p.a. for 12 months
0% for 12 months, reverts to 19.99% p.a.
$0 p.a.
Offers 0% p.a. on purchases and balance transfers for the first 12 months and an ongoing $0 annual fee. Plus, earn flybuys for your eligible spend.
Go to site More info
Coles Low Rate Mastercard
Coles Low Rate Mastercard
0% p.a. for 12 months
0% for 12 months, reverts to 12.99% p.a.
$58 p.a.
Offers 0% p.a. interest on balance transfers and purchases for the first 12 months. Plus, earn flybuys points at Coles Supermarkets.
Go to site More info
Coles Rewards Mastercard
Coles Rewards Mastercard
0% p.a. for 14 months
19.99% p.a.
$99 p.a.
Enjoy up to 120,000 bonus points (worth $600 flybuys Dollars / 52,200 Velocity Points ) when you meet the spend criteria and 2 flybuys / $1 spent.
Go to site More info

Compare up to 4 providers

Qantas Money Credit Card Offer

Qantas Premier Platinum

Earn up to 120,000
bonus Qantas Points
Discounted $199 first year annual fee

Offer ends 26 February 2020

Eligibility criteria, terms and conditions, fees and charges apply

Qantas Money Credit Card Offer

Receive up to 120,000 bonus Qantas Points. Plus, complimentary lounge passes and a discounted first year annual fee.

  • 20,000 bonus Qantas Points each month for the first 6 months when you spend $1,500 each month (120,000 points total)
  • Discounted $199 annual fee for the first year ($299) p.a. thereafter
  • Purchase interest rate of 19.99% p.a. and cash advance rate of 21.99% p.a.
  • Two complimentary lounge invitations each anniversary year
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Promoted
Rates last updated November 18th, 2019
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount Saved Product Description
Qantas Premier Platinum
Qantas Premier Platinum
0% p.a. for 18 months
19.99% p.a.
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get up to 120,000 bonus Qantas Points (20,000/month) when you spend $1,500/month for the first 6 months.
Go to site More info
Qantas Premier Everyday
Qantas Premier Everyday
0% p.a. for 12 months
19.99% p.a.
$29 p.a. annual fee for the first year ($49 p.a. thereafter)
Get up to 25,000 bonus Qantas points, a discounted first year annual fee and complimentary insurance covers.
Go to site More info
Qantas Premier Titanium
Qantas Premier Titanium
0% p.a. for 6 months
19.99% p.a.
$1,200 p.a.
Receive 150,000 bonus Qantas Points when you spend $5,000 in the first 90 days and earn 20% bonus Status Credits on eligible Qantas flights.
More info

Compare up to 4 providers

Virgin Money Credit Card Offer

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 22 months on balance transfers

Offer ends 02 December 2019

Eligibility criteria, terms and conditions, fees and charges apply

Virgin Money Credit Card Offer

Save with a long-term balance transfer rate and 50% off the annual fee for the first year. Plus, a $129 Virgin Australia Gift Voucher each year.

  • 0% interest for the first 22 months on balance transfers, with a 1% balance transfer fee
  • Reduced $64 first year annual fee ($129 p.a. thereafter)
  • 20.74% p.a. purchase interest rate | 20.99% p.a. cash advance rate
  • Earn 3 bonus Velocity Points per $1 spent for the first 3 months (capped at 10,000 points/month)
  • $6,000 minimum credit limit
Go to Site
Promoted
Rates last updated November 18th, 2019
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Name Product Balance transfer rate Purchase rate (p.a.) Annual fee Amount Saved Product Description
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 22 months with 1% balance transfer fee
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% p.a. interest rate on balance transfers for the first 22 months, with a 1% balance transfer fee. Plus, a reduced $64 first year annual fee.
Go to site More info
Virgin Australia Velocity Flyer Card - Bonus Points Offer
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 70,000 bonus Velocity Points (60,000 in 3 months and 10,000 after first year). Plus, save with 0% p.a. for 18 months on balance transfers.
Go to site More info
Virgin Money Low Rate Credit Card
Virgin Money Low Rate Credit Card
0% p.a. for 14 months
11.99% p.a.
$49 p.a.
Get a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and a 14-month balance transfer.
Go to site More info
Virgin Australia Velocity High Flyer Card
Virgin Australia Velocity High Flyer Card
0% p.a. for 15 months
20.74% p.a.
$289 p.a.
Take off sooner with up to 100,000 bonus Velocity Points, lounge passes and insurance covers. Plus, a 15-month balance transfer.
Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 6 months
0% for 14 months, reverts to 20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first year annual fee and Velocity Points per $1 spent.
Go to site More info
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
6.9% p.a. for 36 months
18.99% p.a.
$0 p.a.
Offers 6.9% p.a. for 36 months on balance transfers and up to 55 days interest-free on purchases, all for a $0 annual fee.
Go to site More info

Compare up to 4 providers

What are the benefits of transferring a personal loan balance to a credit card?

  • Save money. Balance transfer credit cards give you a chance to save money on interest charges by offering a low or 0% introductory interest rate.
  • Pay off your personal loan debt faster. Paying low or no interest on a balance transfer card means that more of your repayments go directly towards the principal debt (rather than interest charges). This gives you a chance to pay off your debt in a shorter amount of time.
  • Longer balance transfer offers. Balance transfer credit cards offer introductory interest rates for up to 24 months (or sometimes longer). Depending on the amount of debt you owe and the repayments you can afford to make, you may even be able to pay off your personal loan debt before this period ends, avoiding higher interest charges in the process.
  • Pay off all your debts at once. If you’re dealing with several debts, you may be able to consolidate them onto one credit card so that you only need to make one repayment each month. Plus, you’ll only have to deal with one interest rate for all of your debt.

How can I make sure I'm eligible to transfer my personal loan to a credit card?

The requirements you'll need to meet can vary between cards, but generally include the following:

  • Meet the credit card application criteria. You’ll need to meet the eligibility criteria for the specific credit card you’re applying for, including the minimum age, Australian residency status, credit score requirements, as well as the minimum income requirements.
  • Request a balance transfer from eligible accounts. You are only eligible to balance transfer existing debts if they are from a different Australian financial institution to the one you’re applying with. For example, you can’t transfer a Citi personal loan debt to a Citi credit card. Citi may also refuse to process a balance transfer request when it is from another Citigroup account.
  • Make sure the debt is in your name. The name for your credit card and balance transfer debt must match. This means you cannot request a balance transfer from an account held by someone else, such as your partner. Check out this guide for options that allow balance transfers from a spouse or partner.
  • Check the balance transfer limits. There may be minimum and maximum limits for your balance transfer. For example, Citi, Coles Mastercard and Virgin Money state that you must balance transfer at least $500 per request, and you can transfer up to 80% of your credit limit. This means if you were approved for a credit card with a $10,000 limit, you could balance transfer up to $8,000 to the account.

How to request a balance transfer from a personal loan to a credit card

When you apply for your balance transfer credit card, there will be a section asking for details of the debt or debts you want to move onto the card. Here, you'll need to provide details of the personal loan debt you want to transfer, including:

  • The name on the account
  • The type of card or account (i.e. personal loan)
  • The account number
  • The amount of debt you want to transfer
  • The name of the issuing organisation
  • The Biller Code and Reference Number

If your application is approved, you should get your new credit card in around 10 working days. Depending on the issuer, you may need to activate the card so that the credit card company can begin the balance transfer process. This could take another 10 working days to be complete. Once that's done, you can close your old account and start paying off the debt on your new credit card.

credit history

What should I be wary of when transferring personal loan debt?

  • Balance transfer fees. Some credit cards charge a one-time fee for processing balance transfers. This fee depends on the balance transfer offer and the card and is usually around 1% to 3% of the total debt you transfer.
  • Fees and charges on your old account. As the balance transfer process can take a couple of weeks to complete, you'll need to continue making payments on your existing account/s until the debt is transferred. Some personal loans may also apply early exit fees or other charges when your debt is transferred. So make sure you check with your loan provider before doing a balance transfer to find out exactly how much it will cost.
  • The revert rate. At the end of the introductory period, the low promotional interest rate for balance transfers will revert to a standard variable rate. This is usually the standard cash advance rate for your card, so aim to pay off your balance before this rate applies.
  • Keeping your old account open. Once the debt is transferred to your new credit card, ideally you should close the old account to avoid any additional fees or charges.
  • Making purchases during the introductory balance transfer period. If you use your new balance transfer credit card to make purchases, the standard purchase rate will apply to those charges, and any repayments you make will be allocated to these debts before your balance transfer debt. If that happens, you could end up carrying the balance until after the introductory period ends, so try to focus on paying off your existing debt before using your card for spending.

With competitive low or 0% introductory interest rate offers, balance transfer credit cards give you an opportunity to save money on interest charges and pay down existing debt faster. Now that you know which credit cards allow you to balance transfer personal loan debts, you can compare a range of options and find one that suits your needs.

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Frequently asked questions about balance transferring a personal loan to a credit card

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20 Responses

  1. Default Gravatar
    JovankuOctober 13, 2018

    Can I do a balance transfer from a Bankwest Credit Card to a Commonwealth Bank Personal Loan?

    Reply
    • Avatarfinder Customer Care
      JeniOctober 13, 2018Staff

      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

      Reply
  2. Default Gravatar
    JoJune 22, 2017

    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!

    Reply
    • Default Gravatar
      JonathanJune 22, 2017

      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

      Reply
  3. Default Gravatar
    BenJune 21, 2017

    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.

    Reply
    • Default Gravatar
      JonathanJune 21, 2017

      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

      Reply
  4. Default Gravatar
    JoanApril 27, 2017

    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

    Reply
    • Default Gravatar
      LiezlApril 28, 2017

      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

      Reply
  5. Default Gravatar
    moeJune 1, 2016

    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?

    Reply
    • Avatarfinder Customer Care
      MayJune 1, 2016Staff

      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

      Reply
  6. Default Gravatar
    MibbiesMay 29, 2016

    I have a personal loan and credit card with ANZ. Is it possible to do a balance transfer to Citibank or Virgin?

    Reply
    • Avatarfinder Customer Care
      MayMay 31, 2016Staff

      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

      Reply
  7. Default Gravatar
    KatieMarch 9, 2016

    I have a personal loan with Citi, can I do a balance transfer to a Virgin card?

    Reply
    • Avatarfinder Customer Care
      YsaMarch 9, 2016Staff

      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

      Reply
  8. Default Gravatar
    LeeFebruary 28, 2016

    Can I use this balance transfer option to pay off an existing car loan?

    Reply
    • Avatarfinder Customer Care
      SallyFebruary 29, 2016Staff

      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

      Reply
  9. Default Gravatar
    DanFebruary 25, 2016

    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.

    Reply
    • Avatarfinder Customer Care
      JonathanFebruary 26, 2016Staff

      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

      Reply
  10. Default Gravatar
    honSeptember 7, 2015

    What is the best deal to do balance tranfer on a personal loan plus existing card with minimum annual fee, 0% interest?

    Reply
    • Avatarfinder Customer Care
      JonathanSeptember 8, 2015Staff

      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

      Reply

Credit Cards Comparison

Rates last updated November 18th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 22 months with 1% balance transfer fee
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% p.a. interest rate on balance transfers for the first 22 months, with a 1% balance transfer fee. Plus, a reduced $64 first year annual fee.
Go to site More info
Latitude 28° Global Platinum Mastercard
Latitude 28° Global Platinum Mastercard
21.99% p.a.
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
Go to site More info
Qantas Premier Platinum
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get up to 120,000 bonus Qantas Points (20,000/month) when you spend $1,500/month for the first 6 months.
Go to site More info
Citi Clear Platinum Credit Card
Citi Clear Platinum Credit Card
0% for 9 months, reverts to 14.99% p.a.
0% p.a. for 9 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Enjoy a $0 first year annual fee and a 0% introductory rate on purchases and balance transfers. Plus, complimentary purchase insurance cover.
Go to site More info

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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