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Last updated March 7, 2023

Pauline Hatch

Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger.

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Featured Balance Transfer Credit Cards

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Westpac Low Rate Credit Card

307 reviews

0% p.a. Balance Transfer

0% balance transfer offer for 26 months with 2% BT fee (reverts to cash advance rate). $59 annual fee, or free the first year if you're an existing Westpac customer. Free additional cardholder.

0% p.a. Balance Transfer

$0 saved over 26 months

0% balance transfer offer for 26 months with 2% BT fee (reverts to cash advance rate). $59 annual fee, or free the first year if you're an existing Westpac customer. Free additional cardholder.

13.74%

p.a

Purchase rate

13.74% p.a.

26 months

reverts to 21.99% p.a. 2% fee applies

Balance transfer

0% 26 months

reverts to 21.99% p.a.2% fee applies

$59

p.a.

Annual fee

$59 p.a.

saved over 26 months

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NAB Low Rate Credit Card – Balance Transfer Offer

27 reviews

0% on balance transfers for 24 months

Huge 0% p.a. period with 3% BT fee for new cardholders. Unpaid BT reverts to 21.74% p.a. $59 annual fee. Low variable purchase rate of 13.49% plus access to Visa Offers + Perks and low credit limit.

0% on balance transfers for 24 months

$0 saved over 24 months

Huge 0% p.a. period with 3% BT fee for new cardholders; reverts to 21.74% p.a. $59 annual fee. Low variable purchase rate of 13.49% plus access to Visa Offers + Perks and low credit limit.

13.49%

p.a

Purchase rate

13.49% p.a.

24 months

reverts to 21.74% p.a. 3% fee applies

Balance transfer

0% 24 months

reverts to 21.74% p.a.3% fee applies

$59

p.a.

Annual fee

$59 p.a.

saved over 24 months

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Featured Rewards Credit Cards

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ANZ Rewards Black Credit Card

10 reviews

180k extra ANZ Reward Points + $150 back

Rare platinum features + flexibility: Get 180,000 extra ANZ Reward Points (redeemable for $720 ANZ Cashback or $800 digital gift card) plus $150 back to your new card when you meet criteria. Redeem points for flights, merch and more. Save on travel with complimentary international travel insurance and rental vehicle excess in Australia.

180k extra ANZ Reward Points + $150 back

points earned over 12 months

Enjoy 180,000 extra ANZ Reward Points (redeemable for $720 ANZ Cashback or $800 digital gift card) plus $150 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval. T&Cs apply. Complimentary international travel insurance.

2 pts

ANZ

per $2 up to $5000, 1 pt per $1 over $5,000

Earn rate per $1

2 points

ANZ Rewards

per $2 up to $5000, 1 pt per $1 over $5,000

180,000

points

Bonus points

180,000

points

$375

p.a.

Annual fee

$375

p.a.

pts

over 12 months spend

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Qantas American Express Ultimate Credit Card

14 reviews

50,000 bonus Qantas Points

Spend $3,000 within the first 3 months. Offer ends 14 Jan 2025. $450 Qantas Travel Credit to use on eligible domestic or international Qantas flights each year. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. T&Cs apply.

50,000 bonus Qantas Points

points earned over 12 months

Spend $3,000 within the first 3 months. $450 Annual Qantas Travel Credit. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. Add 4 additional cardholders for free.

1.25 pts

Qantas

Earn rate per $1

1.25 points

Qantas Frequent Flyer

50,000

points

Bonus points

50,000

points

$450

p.a.

Annual fee

$450

p.a.

pts

over 12 months spend

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Coles No Annual Fee Mastercard

19 reviews

No annual fee + 10k bonus points

Pay no annual fee ever to earn Flybuys points and a bonus $50 worth of Flybuys. You can add up to 4 free additional cardholders and use 55 days interest-free. This card comes with complimentary purchase protection and extended warranty insurance covers.