Credit Cards with Balance Transfer Offers
Westpac Low Rate Card (Existing Customers)
Westpac points
$59 annual fee
OfferExisting Customers
0 Westpac points
0% p.a. for 24 months on balance transfers requested at card application with a 2% balance transfer fee.
Spend $7,000 in 210 days
$0 first year annual fee, $59 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. $350 cashback covers the $59 fee.
Read my analysis
ANZ Frequent Flyer Black
Qantas points
$425 annual fee
Offer
90,000 Qantas points
Balance transfer facility available to transfer outstanding balances from non-ANZ credit or store cards to consolidate debts into one repayment.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $200 cashback offsets the $425 fee.
Est. profit $1,215
Read my analysis
NAB Rewards Platinum Card
NAB points
$195 annual fee
Offer
80,000 NAB points
Standard balance transfer rate of 0% p.a. for 12 months with a 3% balance transfer fee applies.
Spend $3,000 in 90 days
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
ANZ Rewards Black
ANZ points
$375 annual fee
Offer
130,000 ANZ points
Balance transfer facility available to transfer outstanding balances from eligible non-ANZ credit or store cards to consolidate debts into one repayment. Conditions apply.
Spend $5,000 in 90 days
Craig's Take
Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $100 cashback offsets the $375 fee.
Read my analysis
ANZ Rewards Platinum
ANZ points
$149 annual fee
Offer
85,000 ANZ points
Balance transfer facility available to transfer outstanding balances from non-ANZ credit or store cards to consolidate debts into one repayment. Conditions apply.
Spend $3,500 in 90 days
Craig's Take
Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.
Read my analysis
ANZ Frequent Flyer Platinum
Qantas points
$295 annual fee
Offer
75,000 Qantas points
Balance transfers available to consolidate debts from non-ANZ credit or store cards into one regular repayment. Terms and eligibility apply.
Spend $2,500 in 90 days
Craig's Take
Easy $28/day spend to hit the bonus. Good ongoing earn rate. $100 cashback offsets the $295 fee.
Est. profit $1,005
Read my analysis
NAB Rewards Platinum Card with Velocity
Velocity points
$195 annual fee
Offer
70,000 Velocity points
0% p.a. for 12 months standard balance transfer rate with 3% balance transfer fee on NAB Rewards Platinum and Signature Cards.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $995
Read my analysis NAB Rewards Platinum Card with Velocity (Velocity Bonus Offer)
Velocity points
$195 annual fee
Offer
80,000 Velocity points
0% p.a. for 12 months standard balance transfer rate with 3% balance transfer fee on NAB Rewards Platinum and Signature Cards.
Spend $4,000 in 90 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $44/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
Read my analysis ANZ Rewards Platinum (Velocity Bonus Offer)
Velocity points
$149 annual fee
Offer
70,000 Velocity points
Balance transfer facility available to transfer outstanding balances from non-ANZ credit or store cards to consolidate debts into one repayment. Conditions apply.
Spend $3,500 in 90 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.
Est. profit $1,091
Read my analysis