🔄
Best Balance Transfer Credit Cards
Longest balance transfer periods with the best rates
🔄
Best Balance Transfer Credit Cards
#1
#1
ANZ Low Rate
ANZLive
26mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period26 months
Revert rate21.99% p.a.
Key Details
Annual fee$58
Purchase rate13.74% p.a.
Interest-free daysUp to 55 days
Features
FX fee3.5%
Travel insuranceNo
#2
#2
Bankwest Breeze Platinum Mastercard
BankwestLive
24mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period24 months
Revert rate0.00% p.a.
Key Details
Annual fee$59
Purchase rate12.99% p.a.
Interest-free daysUp to 55 days
Features
FX feeNo FX fee
Travel insuranceYes
#3
#3
Bankwest Breeze Classic Mastercard
BankwestLive
24mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period24 months
Revert rate0.00% p.a.
Key Details
Annual fee$49
Purchase rate12.99% p.a.
Interest-free daysUp to 55 days
Features
FX fee2.95%
Travel insuranceNo
#4
#4
Low Rate Card
WestpacLive
20mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period20 months
Revert rate0.00% p.a.
Key Details
Annual fee$84
Purchase rate13.74% p.a.
Interest-free daysUp to 55 days
Min income$30,000
Features
FX fee3%
Travel insuranceNo
#5
#5
Rainbow Vertigo Card
St GeorgeLive
20mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period20 months
Revert rateN/A
Key Details
Annual fee$84
Purchase rate13.99% p.a.
Interest-free daysUp to 55 days
Features
FX fee3%
Travel insuranceNo
#6
#6
Vertigo
St GeorgeLive
20mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period20 months
Revert rateN/A
Key Details
Annual fee$84
Purchase rate13.99% p.a.
Interest-free daysUp to 55 days
Features
FX fee3%
Travel insuranceNo
#7
#7
Vertigo
BankSALive
20mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period20 months
Revert rateN/A
Key Details
Annual fee$84
Purchase rate13.99% p.a.
Interest-free daysUp to 55 days
Features
FX fee3%
Travel insuranceNo
#8
#8
ANZ Frequent Flyer Black
ANZLive
18mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period18 months
Revert rateN/A
Key Details
Annual fee$425
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days
Features
FX fee3.5%
Travel insuranceYes
#9
#9
ANZ First
ANZLive
18mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period18 months
Revert rateN/A
Key Details
Annual fee$30
Purchase rate20.99% p.a.
Interest-free daysUp to 55 days
Features
FX fee3.5%
Travel insuranceNo
#10
#10
ANZ Rewards Platinum
ANZLive
18mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period18 months
Revert rateN/A
Key Details
Annual fee$149
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days
Features
FX fee3.5%
Travel insuranceYes
#11
#11
ANZ Rewards Platinum
ANZLive
18mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period18 months
Revert rateN/A
Key Details
Annual fee$149
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days
Features
FX fee3.5%
Travel insuranceYes
#12
#12
ANZ Rewards Black
ANZLive
18mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period18 months
Revert rateN/A
Key Details
Annual fee$375
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days
Features
FX fee3.5%
Travel insuranceYes
#13
#13
ANZ Frequent Flyer Platinum
ANZLive
18mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period18 months
Revert rateN/A
Key Details
Annual fee$295
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days
Features
FX fee3.5%
Travel insuranceYes
#14
#14
ANZ Platinum
ANZLive
18mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period18 months
Revert rateN/A
Key Details
Annual fee$87
Purchase rate20.99% p.a.
Interest-free daysUp to 55 days
Features
FX fee3.5%
Travel insuranceYes
#15
#15
Low Rate Visa Credit Card
Australian Military BankLive
12mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period12 months
Revert rate0.00% p.a.
Key Details
Annual fee$49
Purchase rate11.99% p.a.
Interest-free daysUp to 45 days
Features
FX fee1%
Travel insuranceNo
#16
#16
Low Rate Credit Card
HSBCLive
12mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period12 months
Revert rate0.00% p.a.
Key Details
Annual fee$99
Purchase rate12.99% p.a.
Interest-free daysUp to 55 days
Min income$40,000
Features
FX feeNo FX fee
Travel insuranceYes
#17
#17
Coles Low Rate Mastercard
NABLive
12mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period12 months
Revert rateN/A
Key Details
Annual fee$58
Purchase rate13.49% p.a.
Interest-free daysUp to 55 days
Features
FX fee3%
Travel insuranceNo
#18
#18
HSBC Platinum Credit Card
HSBCLive
12mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period12 months
Revert rate0.00% p.a.
Key Details
Annual fee$199
Purchase rate19.99% p.a.
Interest-free daysUp to 55 days
Min income$40,000
Features
FX fee3%
Travel insuranceYes
#19
#19
HSBC Star Alliance Credit Card
HSBCLive
12mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period12 months
Revert rate0.00% p.a.
Key Details
Annual fee$499
Purchase rate19.99% p.a.
Interest-free daysUp to 55 days
Min income$75,000
Features
FX fee3%
Travel insuranceYes
#20
#20
HSBC Premier World Mastercard Qantas
HSBCLive
12mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period12 months
Revert rate0.00% p.a.
Key Details
Annual fee$399
Purchase rate19.99% p.a.
Interest-free daysUp to 55 days
Min income$75,000
Features
FX fee3%
Travel insuranceYes
#21
#21
HSBC Premier World Mastercard
HSBCLive
12mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period12 months
Revert rate0.00% p.a.
Key Details
Annual fee$199
Purchase rate19.99% p.a.
Interest-free daysUp to 55 days
Min income$75,000
Features
FX fee3%
Travel insuranceYes
#22
#22
HSBC Platinum Qantas Credit Card
HSBCLive
12mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period12 months
Revert rate0.00% p.a.
Key Details
Annual fee$399
Purchase rate19.99% p.a.
Interest-free daysUp to 55 days
Min income$40,000
Features
FX fee3%
Travel insuranceYes
#23
#23
Coles No Annual Fee Mastercard
NABLive
12mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period12 months
Revert rateN/A
Key Details
Annual feeFree
Purchase rate20.74% p.a.
Interest-free daysUp to 44 days
Features
FX fee3%
Travel insuranceNo
#24
#24
Coles Rewards Mastercard
NABLive
12mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period12 months
Revert rateN/A
Key Details
Annual fee$99
Purchase rate20.74% p.a.
Interest-free daysUp to 44 days
Features
FX fee3%
Travel insuranceNo
#25
#25
NAB Low Fee Card
NABLive
12mo @ 0.00%
Details+
Balance Transfer
BT rate0.00%
BT period12 months
Revert rateN/A
Key Details
Annual fee$49
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days
Features
FX fee3.5%
Travel insuranceNo
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As of 16 September 2026, the longest balance transfer period tracked by BankMate is 26 months at 0% on the ANZ Low Rate. How we rank →