Balance Transfer Credit Cards

Pay off your debt faster and save on interest with a credit card offering 0% on balance transfers for up to 30 months.

A balance transfer credit card can help you save on interest with an introductory low or 0% interest rate when you move your existing debt onto a new card. The introductory interest rate holds for a fixed number of months (usually between 6 and 24) and then reverts to a higher standard rate. Sometimes you'll pay a one-time balance transfer fee as part of the deal. You'll also typically pay an annual fee for the card.

Use this guide to find out how balance transfers work and how you can save on credit card interest. You can also learn about the different types of balance transfer cards available in Australia; how to compare balance transfer cards to pick the best one for you; common concerns about these cards; balance transfer mistakes to avoid; and how to increase the chances of your application succeeding. You can calculate your potential savings from a wide range of Australian cards using the table below.

Balance Transfer Credit Card 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

Balance Transfer Credit Card Offer

The St.George Vertigo Platinum credit card features a no BT fee balance transfer offer, a first year annual fee waiver and a low variable interest rate on purchases.

  • 0% p.a. for 24 months on balance transfers with no BT fee. Reverts to variable cash advance rate after promotional period.
  • $0 annual fee for the first year ($99 p.a. thereafter).
  • A low variable interest rate of 12.74% p.a. on purchases and a variable cash advance rate of 21.49% p.a.
  • Wide range of premium features including complimentary overseas travel insurance and the Visa Platinum Concierge Service.
  • New card applications only. Balance transfer must be requested at card application.
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Balance Transfer Credit Cards Comparison

Rates last updated January 24th, 2018
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% p.a.

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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
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)
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.
NAB Premium Card - Exclusive Offer
0% p.a. for 25 months
19.74% p.a.
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
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)
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.
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)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus complimentary international travel insurance.
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)
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.
Bankwest Breeze Classic Mastercard
0% p.a. for 24 months with 2% balance transfer fee
12.99% p.a.
$79 p.a.
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.
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)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.
Qantas Premier Everyday
0% p.a. for 15 months
19.99% p.a.
$49 p.a.
Take advantage of 20,000 bonus Qantas Points, a 0% p.a. for 15 balance transfer offer, plus, included travel insurance for a $49 annual fee.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$129 p.a.
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.
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 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.
St.George Amplify Card
3% p.a. for 36 months
19.49% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Take advantage of a 3% p.a. interest rate on balance transfers for 36 months. Plus, a $0 first year annual fee and 1 Amplify Point per $1 spent.
HSBC Low Rate Credit Card
0% p.a. for 20 months with 2% balance transfer fee
13.25% p.a.
$79 p.a.
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.
Bankwest Breeze Platinum Mastercard
0% p.a. for 24 months with 2% balance transfer fee
12.99% p.a.
$99 p.a.
Receive a 0% p.a. interest rate on balance transfers for 24 months, complimentary travel insurance and 0% foreign transaction fees.
Virgin Money Low Rate Credit Card
0% p.a. for 14 months
11.99% p.a.
$49 p.a.
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months interest-free on balance transfers.
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)
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.
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)
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 - 0% Interest Offer
0% p.a. for 6 months
0% p.a. for 14 months (reverts to 20.74% p.a.)
$129 p.a.
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.
NAB Low Fee Card
0% p.a. for 16 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Receive complimentary purchase protection insurance, a 16 month balance transfer offer and special offers from Visa Entertainment.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with 0% p.a. for 18 months on balance transfers, earn 3 bonus Velocity Points per $1 for the first 3 months and get a yearly $129 Gift Voucher.
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)
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.
American Express Velocity Platinum Card - Online Offer
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$375 p.a.
Receive 100,000 bonus Velocity Points, a complimentary Virgin Australia return Economy domestic flight each year and more. Ends 29 January 2018.

Compare up to 4 providers

Compare finder.com.au's balance transfer credit cards

Compare the features of the balance transfer cards below:

What is a balance transfer?

A balance transfer involves moving your existing card debt to a new credit card. Balance transfer credit cards usually offer a 0% interest rate for an introductory period, generally 6 to 24 months.

Which type of balance transfer card is right for me?

I want the lowest interest rate

Check out these 0% balance transfers.

I want time to get my debt sorted

Look at long-term balance transfer offers.

I want low interest on new purchases

Compare 0% balance transfers and purchase offers.

I don’t want to pay an annual fee

Consider no annual fee balance transfer credit cards.

I want to earn rewards points too

Explore balance transfer credit cards with rewards programs.

I want to calculate my repayments first

Use our Balance Transfer Calculator.

How does a balance transfer work?

finder's money expert Angus Kidman explains the ins and outs of a balance transfer

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How can I compare credit card balance transfer offers?

There are lots of balance transfer card deals available in Australia, so how can you pick the right one? These are the key features to compare when looking for maximum savings:

  • Introductory offer. You should pay attention to the length of the introductory offer and ensure you can pay off your balance transfer before the revert rate kicks in. You can do this by dividing your debt by the number of months in the promotional period to see how much you'd have to pay each statement period to clear the debt before the offer ends. If you don’t think you can, you might want to look for a card with a longer interest-free offer if possible.
  • Balance transfer fee. In 2017, balance transfer fees have become increasingly popular. Typically, this fee ranges from 1% to 3% of the transfer amount and is charged when you first move your debt to the new card.
  • Annual fee. Most balance transfer cards charge an annual fee, although some come with fee waivers for the first year. The annual fee is treated as a purchase and incurs the same interest rate as other purchases you make with the card. Make sure that the interest you’ll save from the 0% balance transfer promotion outweighs the cost of the annual fee to justify applying for a card.
  • Revert rate. At the end of the promotional period, any remaining balances will revert to a higher standard rate. This is usually the standard cash advance or purchase rate. Although you should aim to pay off your debt before the revert rate applies, factor when comparing your options to avoid any nasty surprises.

These card features are less important when you're paying off existing debt but are still worth factoring into your comparison:

  • Purchase rate. This rate applies to any new purchases made on the card and is usually 12% p.a. or more. Some credit cards also offer a promotional 0% rate on purchases as well. While it's best practice not to use your card for purchases while you're consolidating your debt, you'll want to pay attention to the purchase rate if you plan to use the card for purchases once you’ve repaid your debts.
  • Other benefits. Cards may offer additional benefits, such as the ability to earn reward points or complimentary travel insurance. You may not be able to use these features when you’re paying off a debt but they could help you make a decision if you plan to use the card beyond the balance transfer.

How to do a balance transfer in five steps

Whether you want to consolidate your cards or pay off debt for good, finder.com.au makes it easy to do a balance transfer in just a few steps.

  1. Compare balance transfer offers. Use the comparison table to browse a range of offers and click on a column to sort by feature. You can also see how much value you could get from each offer by entering your debt details, clicking “Calculate” and then looking at the “Amount saved” column.
  2. Confirm how much you owe. Check your account balance or contact your existing credit card provider and ask for your balance details, including interest charges, annual fees, direct debits or any other costs that may be applied before the balance transfer is complete. This will help you fill out the balance transfer request when you apply for a card.
  3. Submit your application. Click the "Go to site" button to start an online application for your chosen card. Remember to include the details of your existing account and the amount of debt you want to transfer on your application.
  4. Activate your card. Once you’re approved, you’ll need to activate the new card before the balance transfer can be processed. You can usually do this online or over the phone with your new provider.
  5. Confirm the transfer and close your old account. The balance transfer may take 1-2 weeks to show up on your new credit card. After that, you can contact your old bank to close the previous card and avoid any further fees or charges.

How does the balance transfer process work?

Eligible debts

Most credit card balance transfer offers are designed specifically for new customers who want to move debt from an existing Australian store card or credit card that’s issued by a different provider. A small selection of credit card providers also let you transfer debts from personal loans, or offer a “cheque to self” option where the balance transfer amount is provided to you as a cheque.

In most cases, you can only move debt from an account that’s in your name. But there may be some exceptions for joint accounts, so check the terms and conditions or contact the new credit card provider if you have questions about transferring a debt that is shared or in someone else’s name (e.g. debt that’s in your partner’s name).

Balance transfers and credit limits

Credit card providers usually allow you to transfer between 80% and 100% of your approved credit limit. But because you often need to request the balance transfer at the time of your application, you won’t know what that credit limit is until after the card is approved.

So in some cases, you could be approved for a card with a credit limit that is worth less than your balance transfer amount. If that happens, the credit card provider may only transfer part of the debt.

How the debt is transferred to your new card

Once you’ve been approved and activated your new account, the credit card provider will contact the bank or provider that holds your debt and arrange to transfer it to your new account. This process usually takes between 5 to 10 working days from card activation. During that time, you’ll still need to make any payments that are due for your old account. When the transfer is complete, the debt will show up as a balance on your new credit card account. You can then start paying it off at a pace that works for you.

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Mistakes to avoid with balance transfers

These are the traps to look out for if you want to get the most out of your 0% balance transfer credit card:

MISTAKE: Failing to consider the balance transfer fee

As the balance transfer fee can be worth up to 3% of your debt, it can easily eat into your potential savings. Not all credit cards charge a balance transfer fee, so if you want to avoid this extra cost you can look for cards with no balance transfer fee in the comparison table above.

MISTAKE: Thinking 0% means no payments

Even if the promotional period gives you a 0% p.a. interest rate, you still have to make at least the minimum payment each month. This is usually stated as "3% of outstanding balance or $20, whichever is greater", although the percentage and dollar amounts can vary between cards. You can check the minimum payment requirements by going to the review page for individual cards. These details are also included on the key facts sheet that credit card providers must share with you before you apply.

MISTAKE: Only making the minimum repayment each month

Although you’re required to pay a minimum each month, it’s wise to make bigger payments and clear the entire debt before the 0% introductory period ends. How much you’ll have to pay each statement period will depend on the size of your debt and the length of the promotional period. As an example, we’ve outlined how much you’d have to pay each month to clear a $10,000 debt within 6 to 24 months in the table below.

Duration% of total to repay each month to clear debtWhat that would equal per month on a $10,000 debt
6 months16.67%$1,666.67
9 months11.11%$1,111.11
12 months8.33%$833.33
14 months7.14%$714.29
16 months6.25%$625.00
18 months5.56%$555.56
20 months5.00%$500.00
24 months4.17%$416.67

The key lesson? Budget as much as you can towards paying off your credit card debt while the promotional rate applies. If you can’t repay the entire debt in time, it's possible to apply for another balance transfer.

MISTAKE: Not checking the revert rate

Once your balance transfer promotion finishes, the revert rate will be charged for any remaining debt from the transfer. If you don’t think you can repay your debt during the introductory period, aim to choose a card with a revert rate that's lower than your current credit card’s interest rate. That way, you’ll still be saving on interest charges when compared to what you would have paid on your old card.

MISTAKE: Putting new purchases on your card

Adding new debt will slow down your ability to repay your card. You shouldn’t buy anything new on your credit card that you can't immediately pay off in full. Banks are required to allocate repayments to whichever debt is accruing the highest interest on your account. So, if your balance transfer has a 0% interest rate and your purchases collect the standard interest rate, your repayments will go towards the purchases rather than your balance transfer. Even if your card has a 0% rate on new purchases, you should concentrate on repaying your debt rather than making more purchases.

MISTAKE: Ignoring the annual fee

While you won't be charged interest with a 0% balance transfer, you may have to pay an annual fee. Make sure you consider this cost when choosing a balance transfer deal, keeping in mind that the annual fee is usually charged at the time you open your account. Don't dismiss cards purely on the basis of fees. Use our balance transfer calculator, which compares the total costs for cards, to find the right deal for you.

MISTAKE: Keeping your old card open

When you conduct a balance transfer, it’s your responsibility to contact your bank and close your old account. If you don’t, you’ll be stuck paying any maintenance costs for a card you’re not using. Before you close the card, make the balance is completely transferred or paid in full and transfer any regular payments to another account.


Frequently asked questions about balance transfers

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347 Responses

  1. Default Gravatar
    robertJanuary 2, 2018

    i want to transfer credit cards to a 0% balance credit card for 24 months with little or no fees, and 100% of monies transfered , can you tell me which bank will do this <

    • Staff
      LouJanuary 3, 2018Staff

      Hi Robert,

      Thanks for your question.

      On this page, you may compare credit cards with up to 24 months 0% balance transfer offer. Most of these cards have an annual fee. We can’t guarantee that you will be able to move 100% of your old debts to any of these cards as this will depend on your approved credit limit. Typically, you can only transfer between 80 to 95% of your approved credit limit.

      Cheers,
      Anndy

  2. Default Gravatar
    KOctober 23, 2017

    Hi. Credit cards (2) totalling $15000, paying minimum not getting anywhere, wasting money. Are there penalties if a relative can pay them both out? Thank You.

    • Staff
      ArnoldOctober 24, 2017Staff

      Hi K,

      Thanks for your inquiry

      You should make repayments by the due date detailed on your bank statement each statement period. While you’re only required to pay the minimum repayment, you should always aim to pay more to clear your debt faster. This is especially important when you’re using a 0% balance transfer offer that will only apply for a promotional period. To avoid paying interest on your debt, you should calculate how much you need to pay each month by dividing the size of your debt by the how the length in months of your promotional period. This will give you a goal repayment to make each month to repay your balance before the promotion ends.

      You can repay your balance as early as you’d like. there are no penalties for clearing your credit card debt ahead of time.

      Hope this information helps

      Cheers,
      Arnold

  3. Default Gravatar
    AshaAugust 16, 2017

    i have 2 credit cards $10,000 credit limit, and both of them maxed out. When I apply for balance transfer can I apply for $20,000 combining both my credit cards or do I need to appy for individual balance transfers at $10,000 each?

    • Staff
      LouAugust 16, 2017Staff

      Hi Asha,

      Thanks for your question.

      Generally, you can transfer multiple credit card balances into one balance transfer credit card account. However, the total amount that you can move ultimately depends on your approved credit limit on the new balance transfer card.

      For instance, you are applying for a credit card with a balance transfer limit of 80% of your approved credit limit and you want to transfer a total of $20K. You need to apply and be approved for a credit limit of at least $25K to be able to do that. It is important to check the maximum balance transfer limit of the card before processing your application so that you will have an idea of how much credit limit you’ll need to move your balances.

      Kindly note that to take advantage of the 0% balance transfer offer, you need to request the balance transfer during your application process.

      Cheers,
      Anndy

  4. Default Gravatar
    ahmedJune 9, 2017

    i have a credit card which i am using since last three years. my credit limit is $6000. and i have used $4,500. so how much i can do the balance transfer to the new card.

  5. Default Gravatar
    DarrinMay 19, 2017

    With the balance transfer fee, does it go on to the card balance or is it a fee you have to pay before the card is issued? Understand I need to meet all the criteria but just interested how they transact the balance transfer fee.

    • Staff
      LiezlMay 19, 2017Staff

      Hi Darrin,

      Thanks for your question.

      Balance transfer fee, which is usually between 1% to 3% of the total balance being transferred, will be charged against your credit limit. In most cases, it becomes part of the total balance owed. For example, if your credit limit is $5,000 on the new card and you want to transfer a balance of $6,000, you will only be able to transfer up to $5,000 including any balance transfer fee. It’s important to make sure to account for this fee when doing a balance transfer. To know more about balance transfer fee works, you may refer to this page.

      In addition, balance transfer fee details can usually be found under the “rates and fees” section of the product disclosure statement (PDS). In case the information is unclear, you may call the credit card company’s customer service team for clarification.

      I hope this helps.

      Cheers,
      Liezl

  6. Default Gravatar
    February 26, 2017

    I have 2 credit card debts. Am i able to do 1 balance transfer for both cards on the one application?

    • Staff
      LouFebruary 26, 2017Staff

      Hi Niv,

      Thanks for your question.

      Yes, you can transfer your balance from multiple cards into one credit card account. However, the total amount that you can move ultimately depends on your approved credit limit on the new card.

      You may also want to check this page to see where you can balance transfer to.

      Cheers,
      Anndy

  7. Default Gravatar
    McmanastanJanuary 11, 2017

    Hi,

    So if you do a balance transfer for 15 months and get 15 months interest free on purchases also and you have a mortgage offset account essentially you can use the card for everyday groceries, petrol etc and pay the minimum of that spend plus the balance transfer each month (3%). Then at the end of 15 months pay the balance in full and you reap the interest savings on your mortgage during that 15 month period as you have retained those funds in your offset you would otherwise have spent?

    • Staff
      MayJanuary 12, 2017Staff

      Hi Mcmanastan,

      Thanks for your question.

      Just to confirm, are you planning on linking your new balance transfer credit card to your mortgage as an offset account? Not sure if I got your question right. Nevertheless, when making a balance transfer, this means that you’ve transferred your debts from your old credit card over to a new card so that you can take advantage of the 0% interest on balance transfer. Please note though that the balance transfer will not last long. For instance, the 0% interest offer on BT is offered for 15 months, you have that period to pay off your debt without interest, after that, an interest will be charged on the remaining balance. The same scenario when the promo for the 0% interest on purchases is over, your card will start attracting interest for all your future purchases/charges.

      Furthermore, when your interest-free for the 15-month period for BT and purchases is over and you still have mortgage offset account debited from your credit card, your charges for the mortgage may attract interest in case you’re not able to fully pay your balance every payment due date.

      Cheers,
      May

  8. Default Gravatar
    LaurenAugust 23, 2016

    I’m moving from NZ to Australia. Are there any banks that will transfer an international balance of approx. $5k?

  9. Default Gravatar
    KellieJuly 13, 2016

    Hi
    Would direct debits from a credit card be classes as purchases if a bal tfr was undertaken therefore attracting the higher int rate
    Thank you

    • Staff
      MayJuly 15, 2016Staff

      Hi Kellie,

      Thanks for your question and I apologise for the delayed reply.

      When you use your card for a direct debit, that transaction may or may not be considered as a purchase, depending on the merchant on how they treat your direct debit (whether this could be a purchase or a cash advance). You may also have to consult your card issuer for their advice on this.

      So, whatever is the classification of your direct debit (a purchase or a cash advance), a corresponding interest will apply. The interest that applies will not depend whether or not you have a balance transfer (during a promotional period) on the card.

      Hope this has answered your question.

      Cheers,
      May

  10. Default Gravatar
    RayJune 21, 2016

    I think you should notify everyone near the “Go To Site” button that it doesn’t work in “Mozilla Firefox”. As in nothing happens. It is the only thing I have to use IE for.

    • Staff
      LouJune 21, 2016Staff

      Hi Ray,

      Thanks for your comment.

      I used Mozilla Firefox to check our “Go to site” button and it is working fine on my end.

      Cheers,
      Anndy

Credit Cards Comparison

Rates last updated January 24th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
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
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
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 Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
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.

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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