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Rates last updated January 24th, 2018
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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
NAB Premium Card - Exclusive Offer
0% p.a. for 25 months
19.74% p.a.
$90 p.a.
25 Month Balance Transfer Offer
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
0% p.a. for 24 months
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Low Rate Platinum Card with No Fee Balance Transfer Offer
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 31 January 2018.
Westpac Low Rate Card - Online Only Balance Transfer Offer
0% p.a. for 30 months with 2% balance transfer fee
13.49% p.a.
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Low Rate Card with Long-Term Balance Transfer Offer
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
Woolworths Everyday Platinum Credit Card
0% p.a. for 14 months
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
First Year Annual Fee Waiver and Balance Transfer Offer
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
Virgin Money Low Rate Credit Card
0% p.a. for 14 months
11.99% p.a.
$49 p.a.
Low Purchase Rate and Balance Transfer Offer
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months interest-free on balance transfers.
HSBC Low Rate Credit Card
0% p.a. for 20 months with 2% balance transfer fee
13.25% p.a.
$79 p.a.
0% p.a. Balance Transfer Offer
Receive up to 20 months interest-free on balance transfers with a 2% BT fee. Also enjoy exclusive offers with the home&Away Privilege Program.
Citi Rewards Platinum Credit Card
0% p.a. for 26 months with 2.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Platinum Card with 0% p.a. for 26 months Balance Transfer offer
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus complimentary international travel insurance.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 6 months
0% p.a. for 14 months (reverts to 20.74% p.a.)
$129 p.a.
0% p.a. Purchase Offer with Virgin Australia Gift Voucher
Save with 0% p.a. on purchases for 14 months and 0% p.a. on balance transfers for 6 months. Plus, earn up to 0.66 Velocity Points per $1 spent.
Citi Platinum Credit Card - 100k Bonus Points
0% p.a. for 15 months with 1% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Bonus Points & Balance Transfer Offer
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$129 p.a.
Balance Transfer Offer and Annual Fee Refund
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000. Plus, complimentary travel insurance.
Bankwest Breeze Classic Mastercard
0% p.a. for 24 months with 2% balance transfer fee
12.99% p.a.
$79 p.a.
Low Rate Credit Card Offer
Receive a long-term balance transfer offer of 0% p.a. for 24 months, a low ongoing purchase rate and up to 55 interest-free days on purchases.
Westpac 55 Day Platinum Credit Card
0% p.a. for 20 months with 2% balance transfer fee
19.84% p.a.
$0 p.a. annual fee for the first year ($90 p.a. thereafter)

0% p.a. Introductory Rate on Balance Transfers for 20 months

Receive a 20 month balance transfer offer, up to 55 days interest-free on purchases, a platinum concierge service and a $0 first year annual fee.
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)
60,000 Bonus Points Offer
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
ANZ Low Rate Platinum
0% p.a. for 15 months
11.49% p.a.
$99 p.a.
Low Rate Platinum Card
Enjoy 0% p.a. on balance transfers for 15 months with no BT fee, combined with platinum card privileges and complimentary insurances.
Bankwest Breeze Platinum Mastercard
0% p.a. for 24 months with 2% balance transfer fee
12.99% p.a.
$99 p.a.
Low Rate Platinum Credit Card Offer
Receive a 0% p.a. interest rate on balance transfers for 24 months, complimentary travel insurance and 0% foreign transaction fees.
HSBC Platinum Qantas Credit Card
0% p.a. for 12 months
19.99% p.a.
$199 p.a.
Qantas Frequent Flyer Credit Card
Receive 60,000 bonus Qantas Points when you spend $3,000 within 3 months of card approval, plus enjoy complimentary travel insurance.
BankSA Vertigo Visa
0% p.a. for 18 months with 1% balance transfer fee
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% Balance Transfer Offer
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
NAB Low Fee Card
0% p.a. for 16 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Low Annual Fee and Balance Transfer Offer
Receive complimentary purchase protection insurance, a 16 month balance transfer offer and special offers from Visa Entertainment.
ANZ Frequent Flyer Platinum
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Platinum Qantas Frequent Flyer Credit Card with Bonus Points Offer
Receive 65,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months. Plus, a $0 annual fee for the first year.
St.George Amplify Card - Amplify Qantas
3% p.a. for 36 months
19.49% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Qantas Frequent Flyer Credit Card with Balance Transfer Offer
Take advantage of a 3% p.a. interest rate on balance transfers for 36 months. Plus, a $0 first year annual fee and 0.5 Qantas Points per $1 spent.
St.George Vertigo Visa
0% p.a. for 18 months with 1% balance transfer fee
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)

No First Year Annual Fee with Balance Transfer Offer

Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to and are not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of the 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.

Why use Credit Card Finder to find your next credit card?

Credit Card Finder is a free, 100% Australian-owned service for comparing credit cards offered by banks, credit unions and other financial institutions in Australia. Our service is 100% free with no hidden costs for using the credit card comparison tools and guides. To help Australian consumers make the best credit card* choice based on their goals and needs, we have categorised our comparisons by card type and issuers, including our popular 0% balance transfer and low interest credit card reviews.

When you click the "Go to Site" links on our tables, you will be directed to the bank's official application page, where full product terms and conditions are available. This means we never process your personal details. Consider your own personal circumstances when choosing which card is best for you. This table provides a cross-section of offers on our website to help you with your comparison.

Exclusive finder.com.au balance transfer offer

NAB Premium Card - Exclusive Offer

0% p.a. for 25 months
on balance transfers
Exclusive to finder.com.au

Eligibility criteria, terms and conditions, fees and charges apply

Exclusive finder.com.au balance transfer offer

The NAB Premium card features a range of platinum benefits and a long-term balance transfer offer exclusive to finder.com.au.

  • 0% p.a. on balance transfers for 25 months on a new NAB Premium card. The balance transfer reverts to the cash advance rate (currently 21.74% p.a.) after 25 months.
  • No balance transfer fee when you request a balance transfer upon application.
  • Receive seven complimentary insurance covers when you make an eligible purchase plus access to the 24/7 NAB Concierge Service.
  • You can request an additional card at no extra cost.
  • You must apply through finder.com.au to take advantage of this offer. This offer may be withdrawn at any time.
Go to site
Promoted

St.George credit card online offer

St.George Vertigo Platinum - Online Offer

0% p.a. for 24 months on balance transfers with no BT fee
$0 annual fee for the first year

Offer ends 31 January 2018

Eligibility criteria, terms and conditions, fees and charges apply

St.George credit card online offer

A platinum card that features a no-fee balance transfer offer, first year annual fee waiver and a low variable interest rate on purchases.

  • $0 p.a. annual fee for the first year ($99 p.a. thereafter).
  • 12.74% p.a. on purchases
  • Cash advance rate of 21.49% p.a.
  • Up to 55 days interest free
Go to site
Promoted
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Make better credit card choices with finder.com.au

Use Credit Card Finder to compare Australian credit cards side by side, learn about the different types of cards available and find the right one for you with our helpful guides. Whether you’re looking to save on credit card fees, consolidate a debt or earn rewards, we’ll help you save time, cut costs, find the best* credit card for you and easily apply for it online.

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39 Responses

  1. Default Gravatar
    WendyNovember 24, 2017

    Boho
    I would like a credit card in my name only for work related items etc but I am only one day a week at the moment. Can I get one?
    Also would like to improve my credit score. Is this a good idea?

    • Staff
      MariaNovember 25, 2017Staff

      Hi Wendy,

      Thank you for your inquiry.

      This page on When Should I Get My First Credit Card may be helpful as it discusses why you’d get a credit card and if you’re ready for it.

      There are eligibility criteria to consider to check if you are qualified to apply for the credit card. This would include income requirements. Also, you’d need to take note that multiple credit card applications may affect your score so it’s best to read all the details first before applying for the card.

      To make the most of your credit history, aim to pay your credit card account balance off in full by the due date on each statement.

      I hope this helps.

      Best,
      Maria

  2. Default Gravatar
    RoslynNovember 9, 2017

    Need a small credit card to build up credit score which one as I don’t have one

    • Staff
      LiezlNovember 9, 2017Staff

      Hi Roslyn,

      Thanks for reaching out.

      If you have a limited credit history, you may consider starting with the credit cards that have no frills, easy to apply for and manage such as low credit limit credit cards or even credit cards designed for students. These type of cards can start building up your positive credit history if you spend well under your credit limit.

      We have a guide on how to build a good credit history with a credit card on this page that you might find helpful.

      Cheers,
      Liezl

  3. Default Gravatar
    MaryOctober 30, 2017

    Need a zero percent card to pay out another my husband is to undergo cancer treatment and am struggling with repayments what’s your opinion thanks

    • Staff
      JudithOctober 31, 2017Staff

      Hi Mary,

      Thanks for contacting finder, a comparison website and general information service.

      I hope everything would turn out well for you. You may find a list of long-term balance transfer credit card offers on this page.

      I hope this helps.

      Best regards,
      Judith

  4. Default Gravatar
    JoeOctober 18, 2017

    What attributes should i look for in a credit card for the sole purpose of online shopping?
    I have the money in my saving so as soon as a purchase is made with the card, it will be paid off immediately, but i don’t want to use a debt card due to security reasons.

    • Staff
      DanielleOctober 19, 2017Staff

      Hi Joe,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      You may refer to this page for options that may suit your needs. You may review and compare the offers available on the table. Once you have selected one, you may proceed by clicking the green “Go to Site” button.

      I hope this helps.

      Cheers,
      Danielle

  5. Default Gravatar
    derekSeptember 6, 2017

    my credit card expires on 10/17 do I have to apply for another one at the c/wealth bank?

    • Default Gravatar
      JonathanSeptember 6, 2017

      Hello Derek,

      Thank you for your question.

      No, you don’t have to. Usually, your credit card issuer will be sending a replacement card automatically before expiry date. It can be as short as few weeks or a month prior.

      Please make sure that you dispose the old card properly once you have activated the new one. Refer to the instructions written on the mail enclosed on how to proceed.

      Hope this helps.

      Cheers,
      Jonathan

  6. Default Gravatar
    August 7, 2017

    Can u get a credit card if you’re on a sole parent pension?

    • Staff
      MayAugust 7, 2017Staff

      Hi Melinda,

      Thanks for reaching out.

      Pensioners can actually apply for a credit card. We have a guide on this page on how you can apply for a credit card and in which institution.

      Hope this helps.

      Cheers,
      May

  7. Default Gravatar
    August 7, 2017

    If a person has an AMEX that is ages old, that is apparently earning some points with her shopping, can it be upgraded?

    Upgraded means are there any more modern AMEX cards that come with bonus points that one can “upgrade” to ?

    To get an AMEX card with a bonus points and a better earning rate would the person have to cancel their existing AMEX, and wait the 6 or 12 months, or whatever waiting period, before re-applying for a new one ?

    Obviously one can apply for another brand of card with the bonus points, but i thought i would look at the AMEX situation first.

    Thank you

    • Staff
      JonathanAugust 7, 2017Staff

      Hi Allan, thanks for your inquiry!

      Typically AMEX or other credit card upgrades are awarded when you spend a certain amount within a specific time period. For example $10,000 within 3 months. If you believe your current spend deserves a card upgrade, you could try to contact AMEX customer service to request this. Otherwise applying for a new credit card with bonus points is also a great way to earn more points. You can compare bonus points credit cards here.

      Best regards,

      Jonathan

  8. Default Gravatar
    WilliamAugust 4, 2017

    Could you please advise which is the best Amex & Visa card for the cheapest annual fees, maximum frequent flyer points & including travel insurance.

    • Staff
      LiezlAugust 4, 2017Staff

      Hi William,

      Thanks for reaching out. While we are unable to recommend a particular credit card, you may use our comparison table on this page to compare your frequent flyer credit card options. Information about the annual fees, rates and whether it includes complimentary insurance are indicated in the table as well.

      I hope this has helped.

      Cheers,
      Liezl

  9. Default Gravatar
    AmandaJune 27, 2017

    I have been out of bankruptcy for over two years now and have a credit score of 715, what are my chances of getting a credit card and who would be the best to try.

    • Staff
      MayJune 27, 2017Staff

      Hi Amanda,

      Thanks for reaching out.

      If you have filed bankruptcy before, I’m afraid that it may be hard to get or apply for credit card, although there are banks would assess your current financial circumstances and credit history before they would consider your application. So if you’d like to try (any of the credit cards listed above), I would suggest that you review the criteria and eligibility of the card and contact the bank/credit card issuer first before submitting a final application.

      Meantime, you may like to read our article here on getting a credit card with bankruptcy, which might be useful.

      Cheers,
      May

  10. Default Gravatar
    JonathanJune 25, 2017

    Hi Melissa!

    Have you checked you recent credit score? If yes and you still have maintained a good score, you’re awesome! :)

    Minimum requirements are posted on this page. We also have some tips for your card application.

    You can apply for this card directly thru CommBank website.

    All the best!

    Cheers,
    Jonathan

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