Credit Cards with Balance Transfer Offers

$1,200 annual fee
Offer
150,000 Qantas points
0% p.a. on balance transfers for 6 months for new cardholders; reverts to the cash advance rate (currently 21.99% p.a.) after 6 months.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.

Est. profit $1,200
Read my analysis
$149 annual fee
Offer
85,000 ANZ points
Promotional Balance Transfer Plan available with an interest rate or terms differing from the standard balance transfer rate; transfers accepted from eligible non-ANZ Australian credit and store cards
Spend $3,500 in 90 days (~$1,167/mo)
Craig
Craig's Take

Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.

Read my analysis
$149 annual fee
Offer
50,000 Velocity points
Balance transfer option available on the card; specific terms not stated on this page
Spend $3,000 in 60 days (~$1,500/mo)
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Average ongoing earn rate. $129 cashback offsets the $149 fee.

Est. profit $830
Read my analysis
$399 annual fee
No Qantas credit card in past 24 monthsCheck my eligibility
Offer
80,000 Qantas points
0% p.a. for 12 months on balance transfers with a 3% balance transfer fee; reverts to the Cash Advance Rate (currently 21.99% p.a.) after 12 months; total balance transfers may not exceed 80% of credit limit
Spend $5,000 in 90 days (~$1,667/mo)
$349 first year annual fee, $399 thereafter
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate.

Est. profit $931
Read my analysis
$0 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 BOQ points
0% p.a. balance transfer for 12 months with a 1% balance transfer fee. Other balance transfer offers include 6 months at 0% p.a. with 1% fee and 18 months at 0% p.a. with 2% fee, subject to terms.
Spend $4,500 in 90 days (~$1,500/mo)
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Average ongoing earn rate. No annual fee.

Read my analysis
$149 annual fee
Offer
100,000 BOQ points
0% p.a. balance transfer for 12 months with a 1% balance transfer fee. Other balance transfer offers include 6 months at 0% p.a. with 1% fee and 18 months at 0% p.a. with 2% fee, subject to terms.
Spend $4,500 in 90 days (~$1,500/mo)
$75 first year annual fee, $149 thereafter
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
Image of MyCard Premier Velocity credit card
Velocity points
$300 annual fee
Offer
60,000 Velocity points
0% p.a. for 6 months on balance transfers (no fee), or 0% p.a. for 12 months on balance transfers with a 3% balance transfer fee depending on offer chosen; reverts to cash advance rate (currently 22.99% p.a.) after the promotional period
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Est. profit $792
Read my analysis
Image of MyCard Rewards credit card
MyCard points
$249 annual fee
Offer
100,000 MyCard points
0% p.a. for 12 months on balance transfers (3% balance transfer fee), reverting to the 22.99% p.a. cash advance rate after the promotional period
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Good ongoing earn rate.

Read my analysis
$199 annual fee
Offer
20,000 Qantas points
2.99% p.a. introductory rate on balance transfers for the first 9 months after the card is approved (reverting to 19.99% p.a. ongoing); no promotional balance transfer fee; new Bankwest Qantas Mastercard customers only.
Spend $4,000 in 120 days (~$1,000/mo)
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Est. profit $121
Read my analysis
$320 annual fee
Offer
20,000 Qantas points
2.99% p.a. introductory rate on balance transfers for the first 9 months after card approval (excluding Bankwest Card conversion transfers), reverting to the ongoing 19.99% p.a. rate; no promotional balance transfer fee.
Spend $4,000 in 120 days (~$1,000/mo)
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.

Est. profit $0
Read my analysis
Image of MyCard Premier credit card
MyCard points
$300 annual fee
Offer
120,000 MyCard points
0% p.a. for 6 months on balance transfers (no fee), or 0% p.a. for 12 months on balance transfers with a 3% balance transfer fee depending on offer chosen; reverts to cash advance rate (currently 22.99% p.a.) after the promotional period
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Good ongoing earn rate. $72 cashback offsets the $300 fee.

Read my analysis
Image of MyCard Rewards Velocity credit card
Velocity points
$249 annual fee
Offer
60,000 Velocity points
0% p.a. for 12 months on balance transfers (3% balance transfer fee), reverting to the 22.99% p.a. cash advance rate after the promotional period
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Poor ongoing earn rate.

Est. profit $771
Read my analysis
Image of MyCard Premier Qantas credit card
Qantas points
$350 annual fee
Offer
40,000 Qantas points
0% p.a. for 12 months on balance transfers requested at application; 3% balance transfer fee applies; reverts to cash advance rate (22.99% p.a.) after the promotional period. Total transfers may not exceed 80% of credit limit.
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate.

Est. profit $290
Read my analysis
$295 annual fee
Offer
100,000 Westpac points
Balance Transfers available on the account; specific rate and term not stated on the offer page
Spend $12,000 in 365 days (~$986/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$175 annual fee
Offer
70,000 Qantas points
Balance transfers available on the card account
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $820
Read my analysis
$295 annual fee
Offer
90,000 Qantas points
Balance Transfers available to move balances from other cards; terms apply
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Est. profit $990
Read my analysis
$295 annual fee
Offer
90,000 Velocity points
Balance transfer facility available
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Est. profit $1,080
Read my analysis
$175 annual fee
Offer
70,000 Velocity points
Balance transfers available on the card account; no specific promotional rate stated on the offer page
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $890
Read my analysis
$84 annual fee
Existing customers onlyCan I become an existing customer?
Offer
0 Westpac points
0% p.a. for 20 months on balance transfers requested at card application (from up to 3 non-Westpac Australian cards); 3% balance transfer fee; reverts to variable cash advance rate (21.99% p.a.) after the promotional period
Spend $0 in 0 days
Craig
Craig's Take
Read my analysis
$349 annual fee
Offer
80,000 Velocity points
Balance transfer options available
Spend $7,000 in 60 days (~$3,500/mo)
Craig
Craig's Take

Tough spend — $117/day for 60 days. Good ongoing earn rate. $129 cashback offsets the $349 fee.

Est. profit $1,140
Read my analysis
$295 annual fee
Offer
25,000 Qantas points
Balance transfers available from eligible non-ANZ Australian credit and store cards; transfers of $100 or more, subject to a Promotional Balance Transfer Plan with separate interest rate and terms
Spend $3,500 in 120 days (~$875/mo)
Craig
Craig's Take

Easy $29/day spend to hit the bonus. Good ongoing earn rate.

Est. profit $105
Read my analysis
$449 annual fee
Offer
40,000 Qantas points
0% p.a. on balance transfers for 12 months with a 3% balance transfer fee; unpaid balance reverts to the variable cash advance rate
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Good ongoing earn rate. $200 cashback offsets the $449 fee.

Est. profit $391
Read my analysis
$295 annual fee
Offer
25,000 Qantas points
0% p.a. on balance transfers for 12 months with a 3% balance transfer fee; unpaid balance transfers revert to the variable cash advance rate after 12 months
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Average ongoing earn rate. $150 cashback offsets the $295 fee.

Est. profit $255
Read my analysis
$425 annual fee
Offer
50,000 Qantas points
Balance transfers available from eligible non-ANZ Australian credit and store cards (transfers of $100 or more); standard balance transfer rate 21.99% p.a. with promotional balance transfer plans available.
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Excellent ongoing earn rate. High $425 fee — make sure you'll use the perks.

Est. profit $375
Read my analysis
$195 annual fee
Offer
40,000 Velocity points
0% p.a. for 12 months on standard balance transfers, 3% balance transfer fee; unpaid balance transfers revert to the variable cash advance rate after 12 months
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Average ongoing earn rate.

Est. profit $485
Read my analysis
$449 annual fee
Existing customers onlyCan I become an existing customer?
Offer
50,000 Qantas points
0% p.a. on balance transfers for 12 months with a 3% balance transfer fee; unpaid balance reverts to the variable cash advance rate
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Good ongoing earn rate. $200 cashback offsets the $449 fee.

Est. profit $551
Read my analysis
$195 annual fee
Offer
80,000 NAB points
0% p.a. on balance transfers for 12 months with a 3% balance transfer fee; unpaid BT reverts to the variable cash advance rate
Spend $3,000 in 90 days (~$1,000/mo)
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
Craig

Something out of date? Let me know on Instagram, Facebook, or email and I'll fix it ASAP.

— Craig