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★ BEST CARDS FOR BALANCE TRANSFER222 AUSTRALIA CARDS TRACKEDNO BIAS · NO SIGNUP
Best For — 0% balance-transfer cards

The best credit cards for balance transfer in Australia

For people transferring a balance, the best cards are cards with the longest 0% balance-transfer windows — up to ~35 months interest-free — so you can move existing card debt and pay down principal instead of interest, minding the transfer fee. We track 222 Australia cards.

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The profile

Who this guide is for

  • You have card debt on a high-interest card
  • You want the longest possible 0% transfer window
  • You'll weigh the 2–4% transfer fee against interest saved
  • You have a plan to clear the balance within the 0% period
The shortlist

Top cards for balance transfer in Australia

8 listed
Method

How we picked

We list the cards we hold in Australia that match this guide's category or card type, ordered by the welcome offer the page can print, then alphabetically. It is a shortlist, not a ranking — the quiz ranks cards on your own spending. Nothing here is pay-to-rank. Business cards appear only on business guides, student cards only on student guides, and prepaid cards on none. A figure we do not hold is shown as “Not confirmed”, never as a zero.

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Questions

Frequently asked

What is the best credit card for people transferring a balance in Australia?

The best card for people transferring a balance in Australia depends on your exact spending and credit. The shortlist above holds 8 cards for this profile, each chosen because it fits people transferring a balance: cards with the longest 0% balance-transfer windows — up to ~35 months interest-free — so you can move existing card debt and pay down principal instead of interest, minding the transfer fee.

How did you choose these cards for people transferring a balance?

We list the cards we hold in Australia that match this guide's category or card type, ordered by the welcome offer the page can print, then alphabetically. It is a shortlist, not a ranking — the quiz ranks cards on your own spending. Nothing here is pay-to-rank.

Why do some cards show no annual fee figure?

Because we hold no confirmed figure for it. Our fee column used to default to zero, and many cards still carry a zero that no check has confirmed — so a zero on its own cannot be told apart from a field nobody filled in, and printing “A$0” there would invent a price. A card shows a fee where a positive one is on record, or where a zero was confirmed against the issuer's terms; otherwise the slot reads “Not confirmed”, and the issuer's own page is the place to check before you apply.

How are these cards ranked?

They are not ranked. This guide lists matching cards from our catalogue; for a ranking built on your own spending, take the quiz.