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Credit card leaderboard46 cards1 November 2026
Rank by

The longest balance transfers for paying down a debt.

  1. First26months at 0.00%Latitude Finance Latitude GO MastercardLatitude Finance$286.8 annual fee · Then 29.99%Go to site
  2. Second25months at 0.00%Latitude Finance Latitude Low Rate MastercardLatitude Finance$69 annual fee · Latitude Rewards · Then 29.99%Go to site
  3. Third24months at 0.00%Bankwest Breeze Platinum MastercardBankwest$59 annual fee · Then 12.99%Go to site

Ranked by balance transfer promotional period in months, longest first; ties broken by the lower balance transfer rate. Leaves out cards with no balance transfer offer. Compares 15 card issuers, not the whole market.

The other 43 cards

Ranked by balance transfer promotional period in months, longest first; ties broken by the lower balance transfer rate.

  1. 4Virgin Money Low Rate Credit Card24months at 0.00%2 months shorter than first ranked$99 annual fee · Virgin Money Rewards · Then 21.69%
  2. 5BOQ Low Rate Visa Credit Card24months at 0.00%2 months shorter than first ranked$65 annual fee · Then 21.99%
  3. 6MyCard Clear24months at 0.00%2 months shorter than first ranked$149 annual fee · Then 22.24%
  4. 7Qantas Money Platinum Credit Card24months at 0.00%2 months shorter than first ranked$399 annual fee · $349 in year one · Qantas Frequent Flyer · Then 21.99%
  5. 8Virgin Money Virgin Australia Velocity High Flyer Credit Card24months at 0.00%2 months shorter than first ranked$349 annual fee · Velocity Rewards · Then 21.99%
  6. 9St George Rainbow Vertigo Card20months at 0.00%6 months shorter than first ranked$168 annual fee
  7. 10NAB Coles Low Rate Mastercard15months at 0.00%11 months shorter than first ranked$58 annual fee · Flybuys · Then 20.74%
  8. 11Australian Military Bank Low Rate Visa Credit Card12months at 0.00%14 months shorter than first ranked$49 annual fee · Then 11.99%
  9. 12NAB Low Rate Card12months at 0.00%14 months shorter than first ranked$99 annual fee · Then 22.99%
  10. 13Qantas Money Everyday Credit Card12months at 0.00%14 months shorter than first ranked$99 annual fee · Qantas Frequent Flyer · Then 21.99%
  11. 14BOQ Platinum Visa Credit Card12months at 0.00%14 months shorter than first ranked$149 annual fee · $75 in year one · Q Rewards · Then 21.99%
  12. 15NAB Coles No Annual Fee Mastercard12months at 0.00%14 months shorter than first rankedNo annual fee · Flybuys · Then 21.99%

The revert rate applies to anything still owing when the promotional period ends; it is shown on each card.

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As of 1 November 2026, the longest balance transfer period tracked by BankMate is 26 months at 0% on the Latitude Finance Latitude GO Mastercard. How we rank