Credit Cards with Balance Transfer Offers

$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. Excellent 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. Excellent ongoing earn rate.

Read my analysis
$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
$375 annual fee
Offer
130,000 ANZ points
Balance transfers of outstanding balances from non-ANZ credit or store cards can be consolidated to the Credit Card Account under a Promotional Balance Transfer Plan
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $100 cashback offsets the $375 fee.

Read my analysis
Image of MyCard Premier Velocity credit card
Velocity points
$300 annual fee
Offer
110,000 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 $8,000 in 90 days (~$2,667/mo)
Craig
Craig's Take

Moderate spend — $89/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Est. profit $1,642
Read my analysis
Image of MyCard Rewards credit card
MyCard points
$199 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. Average ongoing earn rate.

Read my analysis
$199 annual fee
Offer
60,000 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 $7,500 in 90 days (~$2,500/mo)
Craig
Craig's Take

Moderate spend — $83/day for 90 days. Average ongoing earn rate.

Est. profit $761
Read my analysis
$320 annual fee
Offer
80,000 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 $35,000 in 150 days (~$7,000/mo)
Craig
Craig's Take

Tough spend — $233/day for 150 days. Excellent ongoing earn rate.

Est. profit $960
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. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Read my analysis
Image of MyCard Rewards Velocity credit card
Velocity points
$199 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 $821
Read my analysis
Image of MyCard Premier Qantas credit card
Qantas points
$350 annual fee
Offer
70,000 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 $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

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

Est. profit $770
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 $870
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. Average ongoing earn rate.

Est. profit $1,070
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
$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. Average ongoing earn rate.

Est. profit $1,160
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 $940
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 $6,000 in 180 days (~$1,000/mo)
Craig
Craig's Take

Easy $33/day spend to hit the bonus.

Read my analysis
$329 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. Excellent ongoing earn rate. $129 cashback offsets the $329 fee.

Est. profit $1,160
Read my analysis
$295 annual fee
Offer
20,000 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 $25
Read my analysis
$420 annual fee
Offer
100,000 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)
Offer Expires in a month (2026-09-30)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.

Est. profit $1,430
Read my analysis
$295 annual fee
Offer
60,000 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 $3,000 in 90 days (~$1,000/mo)
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate. $150 cashback offsets the $295 fee.

Est. profit $815
Read my analysis
$425 annual fee
Offer
40,000 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 $215
Read my analysis
$195 annual fee
Offer
70,000 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 $995
Read my analysis
$420 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 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)
$320 first year annual fee, $420 thereafter
Offer Expires in a month (2026-09-30)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.

Est. profit $1,530
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
$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
Craig

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— Craig