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0% Balance Transfer for 6 Months Credit Card Offers

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Credit cards with a 0% p.a. for 6 month balance transfer offer are one of the most appealing cards for credit card consolidation.


As these all offer the same balance transfer feature, it boils down to what credit card you would prefer to own after the balance transfer offer has expired.


This is most commonly a factor of which provider you trust and would prefer to be a customer of, and the annual fee.


Remember not to make purchases on your card which has a transferred balance on it. The purchase will take priority in being paid off, effectively locking in your balance transfer amount and delaying your debt repayment. Use another line of credit if necessary.


ANZ Low Rate Mastercard Credit Card

Best 0% Balance Transfer for 6 months Credit Card*

The ANZ Low Rate MasterCard offers 0% p.a. for 6 months on balance transfers and is our card choice.


The ideal credit card for Australian’s who love shopping with a low rate on purchases.

  • 0% p.a. balance transfer rate for 6 months
  • Low $58 annual fee
  • A standard purchase rate of 12.49% p.a
  • Up to 55 interest free days on purchases
  • MasterCard Applause – be entertained with exclusive tickets to theatre, dance, musicals and sporting events
More InformationApply now



If you’re unfamiliar with the concept of a balance transfer but are keen on undertaking one, have a read of our balance transfer resources. Use our new credit card balance transfer calculator to find out how much you could save.


Credit Card Card Details Interest Rate (p.a.) Cash Advance Rate (p.a.) Balance Transfer Rate (p.a.) Annual fee Interest free days (up to)
ANZ Low Rate MasterCard
ANZ Low Rate MasterCard

All 0% p.a. for 6 month balance transfer offers require good credit, however ANZ appear to be more lenient on applications.

Our prime choice for 0% p.a. for 6 month balance transfer offers.

12.49% 20.74% 0% p.a. for 6 months. $58 55
Find out more about the ANZ Low Rate MasterCard
HSBC Credit Card
HSBC Credit Card
$0 annual fee for the life of the credit card and a 5.99% p.a. for 6 months on balance transfers.
16.99% 19.99% 5.99% for 6 months $0 55 Apply now for the HSBC Credit Card via the official HSBCwebsite.
More information on the HSBC Credit Card
Citibank Platinum Visa Credit Card
Citibank Clear Platinum Visa Card

For consumers after a cheap, high quality Platinum credit card after the balance transfer offer has expired.

International travel insurance and Citibank Instant Benefits included.

11.49% 20.99% 0.99% for 6 months $42 55
Macquarie Bank RateSaver Visa Card

Macquarie Bank RateSaver Visa Card

Macquarie Bank’s staple low interest rate credit card.

Enjoy typical quality Macquarie security & protection and Visa worldwide acceptance.

11.95% 18.95% 0% for 4 months. $50 Apply now for the Citibank BP via the official Citibank website.
Find out more about what the Macquarie Bank RateSaver Visa Card has to offer.
ANZ Balance Visa Card Application
ANZ Balance Visa Card

For people interested in a reward’s program after they’ve repaid their balance.

Note that this card imposes a 1% balance transfer fee (1% fee of the total amount transferred). No other card imposes this fee unless specified.

13.49% 20.74% 0% p.a. for 6 months. $79 55



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Editor's Choice: Our Top Credit Cards


Credit Card Card Details Interest Rate (p.a.) Cash Advance Rate (p.a.) Balance Transfer Rate (p.a.)

Annual fee

Interest free days (up to)

St George Vertigo MasterCard Application
Bankwest Lite MasterCard
Editor's Choice:
Cheapest Credit Card

The lowest stress mastercard, with Australia's lowest MasterCard purchase rate of just 9.99% p.a.
9.99% 20.99% 1.99% for 12 months $59 55 Apply now for the Bankwest Lite MasterCard via the official BankWest website.
More information on the Bankwest website
St George  
Vertigo MasterCard Application
St George Vertigo
Editor's Choice:
Best Bank
Low 2.99% for 6 months (reverts to 11.74%) p.a. interest rate and balance transfer rate, from one of Australia's most respected banks.
2.99% for 6 months (reverts to 11.74%) 20.49% 2.99% for 6 months $55 55
BankWest Zero Platinum MasterCard
Citi Clear Platinum Visa
Editor's Choice:
Low Interest
An excellent low interest credit card offer with 11.49%interest on purchases and 0.99% for 6 months on balance transfers .
11.49% 20.99% 0.99% for 6 months $42 55
ANZ Low Rate MasterCard
ANZ Low Rate MasterCard
Editor's Choice:
Balance Transfer

A very popular card choice with a low rate, annual fee and attractive 0% for 6 monthsbalance transfer offer.
12.49% 20.74% 0% for 6 months $58 55
BankWest More Platinum MasterCard
Bankwest Zero Platinum MasterCard
Editor's Choice:
No Annual Fee
Excellent introductory offer with a $0 annual fee for the life of the credit card and a 1.99% p.a. for 12 months on balance transfers
15.99% 15.99% 1.99% for 12 months $0 55

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