0% Balance Transfer for 6 Months Credit Card Offers
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.
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
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 |
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 |   |
 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 | |
 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’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 | |
|
 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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