Discover how much you could save on interest with a 0% balance transfer credit card.
0% p.a. for 24 months on balance transfers with no BT fee
$0 annual fee for the first year
Offer ends 13 December 2017
Eligibility criteria, terms and conditions, fees and charges apply
St.George Credit Card Online Offer
A platinum card that features a no BT 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
Use our balance transfer calculator to see how much you can save
How to use the balance transfer calculator in 4 easy steps
Step 1. Enter the total debt/outstanding amount you would like to transfer.
Step 2. Provide the interest rate that you are paying on your existing debt (if you don't have your interest rate on you, the average is around 18-20%).
Step 3. See the 'Amount Saved' column to find out which credit cards will save you the most money. The calculator automatically includes any balance transfer fees and annual fees associated with each card. Click on the 'Amount Saved' title to sort the cards in ascending or descending order of money saved.
Step 4. If you want to find out more about a particular credit card, click the ‘More info’ link for a full review on the features and benefits.
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Which balance transfer credit card should I apply for?
There is no one right balance transfer credit card. Instead, you should complete your comparison based on your individual needs including the size of your debt, your ability to repay and how long you need to clear the entire debt. You should also consider other factors including the annual fee and revert rate to ensure that the card is an affordable option for you. For a more comprehensive comparison, please see our guide on balance transfer credit cards.
How much money will I save by doing a balance transfer?
Exactly how much you will save will also vary depending on the size of your debt, your repayments and the promotional offer you apply for. However, the interest you save will depend on the difference between the interest you would have paid on your current credit card account and the interest you'll avoid with the 0% balance transfer offer. If you use the balance transfer calculator in the tables above, the "interest saved" column will indicate how much you can save if you repay your entire balance before the interest-free promotion ends.
Mistakes to avoid with a balance transfer credit card
Balance transfer credit cards can be a useful debt consolidation tool that can help you save on interest costs. The balance transfer calculator above can help you make your comparison based on maximising your interest savings, but it's important to compare your options before you apply to ensure you're applying for the right card for you.Back to top