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Best Balance Transfer Credit Card
The Bankwest Lite MasterCard has the lowest MasterCard purchase rate in Australia combined with a long balance transfer period making it the best credit card to apply for
- $59 annual fee
- 10.75% p.a. on purchases
- 21.49% p.a. on cash advances
- 1.99% p.a. for 9 months on balance transfers
This page lists the available credit cards from merchants VISA and MasterCard. Use this list to perform a credit card comparison, finding the right credit card for you.
Choose a credit card from the lists below that suits your needs and begin saving money with your choice between credit cards that have lower interest rates, better rewards and balance transfer offers.
MasterCard Credit Cards Comparison
| 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 |
Save with low interest rate on purchases and enjoy 0% p.a. on balance transfers for the first 6 months. | 12.49% | 20.7lo4% | 0% p.a. for 6 months | $58 | 55 |   |
 Aussie MasterCard |
After the first 6 months, the 2.99% p.a. purchase rate reverts to 12.29% p.a. | 2.99% for 6 months (reverts to 12.29% after 6 months) | 18.79% | 2.99% for 6 months | $49 | 55 | |
 BankSA Vertigo MasterCard |
One of the cheapest low rate credit card available in South Australia. | 11.49% | 19.99% | 2.99% for 6 months | $55 | 55 | |
|
Low interest rate on purchases with interest free days. Also available in Gold and Platinum. | 9.99% | 20.49% | 1.99 p.a. for 9 months | $59 | 55 | N/A |
 BankWest Zero MasterCard |
A plain no frills credit card which offers a grace period, modest interest rate and zero dollar annual fee. Available in Gold and Platinum. | 15.99% | 15.99% | 4.99% for 9 months | $0 | 55 | N/A |
 Citibank Emirates Card |
1.5 Skyward Miles for every $1 spent.
4.9% p.a. balance transfer for the life of a transferred balance. |
19.99% | 19.99% | 4.9% p.a. for life | $199 | 55 | |
 Citibank Silver Card |
Features a free rewards program along with no point expiry. | 19.99% | 19.99% | 2.9% p.a. for up to 12 months. | $69 | 55 | |
 Citibank Gold Card |
Increased privilege and benefits over the Silver, yet not as high as Platinum. | 19.99% | 19.99% | 1.9% for up to 9 months. | $119 | 55 | |
 Citibank Platinum Credit Card |
For high debt that needs a long time to be repaid, the 4.9% balance transfer for life can’t be beaten.
Also a popular and prestigious Platinum card offer. |
19.99% | 19.99% | 4.9% balance transfer for life. | $250 | 55 | |
 Citibank BP MasterCard |
5% off petrol at BP.
0.5% cashback for every other purchase made on the card. |
19.89% | 19.89% | 2.90% p.a. for 12 months | $79 | 55 | |
 Commonwealth Bank Low Fee Card |
A great card for people who uphold their 55 day interest free grace period. Paying $0 each year on your repayments, interest and fees is easily possible with this card. | 18.49% | 19.99% | 5.99% for 5 months. | $0* | 55 | |
 Commonwealth Bank Awards Card |
Earn up to 50,000 points per year. Online security guarantee. Cash back and Frequent Flyer Awards system, including Bonus Partner Reward Offers. Earn 1.5 Awards points for every $1 spent with a Commonwealth Bank American Express® Card. Enjoy worldwide acceptance at over 29 million places with MasterCard® |
18.99% | 19.99% | 5.99% p.a. for 5 months. | $89
(or $59 for |
55 | |
 Commonwealth Bank Gold Card |
Earn up to 100,000 points per year. Free International Travel/Hospital Insurance for up to 3 months*. Points exchangable for Frequent Flyer Points. Earn 2 Awards points for every $1 spent with a Commonwealth Bank American Express® Card and enjoy acceptance at 29 million locations with MasterCard® |
18.99% | 19.99% | 5.99% p.a. for 5 months. | $144 (or $114 for qualifying customers) |
55 | |
 Commonwealth Bank Platinum Card |
Earn up to 150,000 points per year. Travel Insurance for up to 12 months. Extended Insurance /Purchase/Security benefits. Commonwealth Awards Program plus extra Platinum Rewards. Earn 3 Awards points for every $1 spent with a Commonwealth Bank American Express® Card and enjoy acceptance at 29 million locations with MasterCard® |
18.99% | 19.99% | 5.99% p.a. for 5 months. | $280
(or $250 |
55 | |
 CUA Gold Rewards MasterCard |
Earn 1 reward point for every $1 spent on your card with no point expiry.
Complimentary international travel insurance and purchase cover included. |
17.99% | 17.99% | 3.9% for 12 months | $85 | 55 | |
 Woolworths Everyday Money Card |
*$0 annual fee for the 1st year, followed by $49.
Promotional offer: Earn 5% Cashback on Woolworths groceries and liquor purchases for 3 months! Offer ends November 30th. |
17.99% | 20.99% | 5.99% for 6 months. | $0* | 55 | |
 IMB Gold Rewards MasterCard |
For every $1 spent on your card, earn 1 reward point which can be redeemed for a wide range of products and services. No point expiry.
High credit limits available and international travel insurance provided free. |
17.99% | 17.99% | 3.9% for 12 months | $99 | 55 | |
 St George Vertigo |
One of the cheapest credit card available in Australia for purchases. Earn shopping and entertainment discounts complimentary with St George ‘Instant Benefits’. Good credit rating required for balance transfer approval. |
11.49% | 19.99% | 2.99% p.a. for 6 months. | $55 | 55 | |
Visa Credit Cards Comparison
| 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 First Visa Credit Card |
No annual fee for 12 months, followed by a standard $30. Ideal for students as it has a low annual fee and easy approval. |
17.74% | 19.49% | 7.99% p.a. for 6 months. | $0/$30 | 44 | |
 ANZ Balance Visa Credit Card |
One of the better reward program credit cards in Australia. You gain reward points for every dollar you pay off your balance. Also a modest annual fee and low purchase rate. |
12.99% | 20.24% | 0% p.a. for 6 months | $79 | 55 | |
 ANZ Rewards Visa Card |
Choose over 500 rewards with the ANZ Rewards program. Earn rewards in over 24 million locations around the world with the access of Visa. |
18.24% | 19.49% | N/A. | $48 | 44 | |
 ANZ Rewards Gold Visa Card |
Similar to the ANZ Rewards Visa, but with extra features. Additional features include 11 interest free days bonus, a balance transfer offer and increased reward opportunities. |
18.24% | 19.49% | 2.90% p.a. for 12 months. | $79 | 55 | |
 ANZ Gold Visa Card |
High levels of purchase security and insurance cover. Includes comprehensive travel insurance. |
18.24% | 19.49% | 7.99% p.a. for 6 months. | $87 | 55 | |
 ANZ Visa Debit Card |
No credit history required. $3 a month for students, $6 otherwise. |
Debit Card | Debit Card | N/A. | $3/$6 | Debit Card | |
 ANZ Frequent Flyer American Express/Visa |
Earn 1 Frequent Flyer point for every $1 spent on your American Express card, and 1 point for every $2 spent on your Visa. Uncapped Frequent Flyer earnings. Both cards linked to same account with one annual fee, credit limit and statement. |
18.24% | 19.49% | N/A | $95 | 44 | |
 ANZ Frequent Flyer Gold American Express/Visa |
Earn 1.25 Frequent Flyer points for every $1 spent on your American Express card, and 1 point for every $2 spent on your Visa. Uncapped Frequent Flyer earnings. Both cards linked to same account with one annual fee, credit limit and statement. $5000 Minimum credit limit. |
18.24% | 19.49% | N/A | $195 | 55 | |
 ANZ Frequent Flyer Platinum American Express/Visa |
Earn 1.5 Frequent Flyer points for every $1 spent on your American Express card, and 1 point for every $2 spent on your Visa. Uncapped Frequent Flyer earnings. Complimentary International travel & medical insurance. Both cards linked to same account with one annual fee, credit limit and statement. $12,000 Minimum credit limit. |
18.24% | 19.49% | N/A | $295 | 55 | |
 BankSA Platinum Visa Card |
Five-star Cannex credit card award. The cheapest Platinum credit card in South Australia. | 14.25% | 19.99% | 3.99% for up to 6 months | $89 | 55 | |
 Citibank Clear Visa Card |
A fairly competitive low interest rate credit card. Does not match up against other low rate cards, or the Clear Platinum. |
12.49% | 20.74% | 2.9% for 6 months | $65 | 55 | |
 Citibank Clear Visa Platinum Card |
A low rate and fee for a Platinum card. 25% off a range of ‘Citibank World Privileges’, inc. shopping, dining and travel. Visa Platinum Privileges. |
0% for 6 months (normally 10.99%) | 20.74% | 0.99% for 6 months | $85 | 55 | |
 Citibank Silver Visa Card |
Features a free rewards program along with no point expiry. | 19.99% | 19.99% | 2.9% p.a. for up to 12 months. | $69 | 55 | |
 Citibank Gold Visa Card |
Increased privilege and benefits over the Silver, yet not as high as Platinum. | 19.99% | 19.99% | 2.9% for up to 12 months. | $119 | 55 | |
 Citibank Platinum Credit Card |
For high debt that needs a long time to be repaid, the 4.9% balance transfer for life can’t be beaten. Also a popular and prestigious Platinum card offer. |
19.99% | 19.99% | 4.9% balance transfer for life. | $250 | 55 | |
 Citibank ‘CitiBusiness’ Card |
Lots of business opportunities and benefits, such as high credit limit access. | 19.99% | 19.99% | 7.99% for 6 months. | $130 | 55 | |
 HSBC Gold Visa Card |
*No first year annual fee, then $89.
A generous rewards program, unique interest free period opportunities and complimentary travel insurance. |
18.99% | 21.75% | 5.99% for 6 months. | $0* | 45 | |
|
Free linking to your FlyBuys account. Additional cardholder complimentary. | 17.89% | 17.89% | N/A | $30 | 44 | N/A |
|
Available as Visa or MasterCard. Complimentary overseas travel insurance. |
17.89% | 17.89% | N/A | $90 | 44 | N/A |
|
A low purchase rate credit card. 3.99% p.a. on purchases for the first 12 months. |
10.99% | 19.99% | N/A | $49 | 55 | N/A |
 St George Platinum Visa Card |
Also a exceptionally low platinum card interest rate, and annual fee. Extensive travel insurance and benefits, and a 5 star Cannex credit card rating. |
14.25% | 19.99% | 3.99% for up to 6 months. | $89 | 55 | |
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