Virgin leads the pack in June’s roundup of top balance transfer credit cards
Get 0% interest on your unpaid card balance for up to 24 months with one of these great balance transfer credit card offers.
Are you struggling with a stubborn credit card debt? Is the high interest rate keeping you from paying it off faster?
A really good balance transfer credit card offer can help. Right now, the market's best cards give you a 0% interest rate for up to 24 months. This can give you some serious breathing room
All Finder's balance transfer picks are based on their Finder Scores, an objective scoring system based on nothing but data.
Video: Best balance transfer credit cards for June 2025
1. Virgin Money Anytime Rewards Credit - Balance Transfer Offer
The Virgin Money Anytime Rewards Credit Card - Balance Transfer Offer has a Finder Score of 9.9.
Virgin Money's Anytime Rewards Credit Card offers a 0% balance transfer for 24 months with a 1% fee. That gives you 2 years to sort out your unpaid credit card debt with no interest. The balance transfer fee is as low as it gets.
The card's annual fee is a little higher than some of the other top balance transfer cards, but it's still fairly low. You can also earn Virgin Money points on any new spending you do on the card.
Although it's a good idea to really focus on paying off the balance transfer instead of spending more on the card! And you don't get interest-free days if you have a balance transfer.
2. Virgin Australia Velocity Flyer Card - Balance Transfer Offer
The Virgin Australia Velocity Flyer Card - Balance Transfer Offer has a Finder Score of 9.9.
The Velocity Flyer Card gives you the same top-scoring balance transfer offer as the Anytime Rewards Card: 0% for 24 months and a 1% balance transfer fee.
The annual fee is also $149.
The difference? This card gives you Velocity Points when you spend. So it's aimed more at the frequent flyer customer.
Want more options?
Check out balance transfer offers from across the market.
3. St.George Vertigo Card
Once again the St.George Vertigo Card emerges as one of the best balance transfer offers around, with a Finder Score of 9.7.
This card, along with its Bank of Melbourne and BankSA siblings, has a 0% balance transfer offer for 24 months with a balance transfer fee of 2%.
While that's a touch higher than the Virgin cards above, the annual fee is much cheaper at $55. You can't really get much lower than that.
These cards are worth a look if you need a balance transfer and want to keep things cheap and simple.
4. Westpac Low Rate Card
The Westpac Low Rate Card has a balance transfer Finder Score of 9.7.
Westpac's Low Rate card also gives you 24 months at 0% interest, with a 2% balance transfer fee.
This is a no frills card with a low purchase rate and a competitive annual fee of $59.
5. Suncorp Clear Options Standard Credit Card
The Suncorp Clear Options Standard Credit Card has a Finder Score of in the balance transfer category.
Suncorp's card offers 0% on your balance transfer for a slightly shorter 20 months. But it has a nice, low balance transfer fee of 1% and a $55 annual fee.
If you can repay your debt a bit faster, this can be a very cheap card.
Details of these cards are correct at time of publication and subject to change. All these cards were identified as the "best" cards using the Finder Score, a data-driven methodology that considers rates, fees and card features.
Ask a question