How Long Does A Balance Transfer Take?

Information verified correct on February 11th, 2016
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Applying for a balance transfer? Discover how long your balance transfer can take and learn how you can speed up the process.

A balance transfer allows customers with an outstanding balance on a credit card charged at a higher interest rate to transfer their debt to a new credit card with a promotional rate of interest. Here are a few tips to ensure that the process runs smoothly and your balance transfer is approved as quickly as possible.

How long does it take for the bank to process my balance transfer application?

Processing times vary from bank to bank. To help you compare the balance transfer application process, we’ve summarised how Australian banks deal with balance transfers and the processing times you can expect.

Processing time for popular Australian banks

BankApprox. Days to ProcessBalance transfer process
ANZ3-15 business daysANZ Debt Consolidation
CommbankUp to 10 business daysCommonwealth bank balance transfer process
St.GeorgeUp to 14 days-
NABUp to 5 daysNAB balance transfer process
WestpacUp to 7 daysWestpac balance transfer process

St.George

If you are doing a transfer balance with a St.George Credit Card you can expect it to take approximately 14 days to be completed once they have received your request. Some cards may have different time periods although in general that is the usual time to do a balance transfer. Any new customer that is requesting a transfer will have it processed after the card has been activated and the identification check has been completed at a St.George branch, if necessary. Cardholders that are currently with St.George can put in a request for a transfer balance, as long as all of the minimum requirements are met for making a transfer, and you are allowed to make as many balance transfers as you would like.

Existing customers with St.George only have to complete a request form for a balance transfer and mail it in. It can also be done using online banking. Once you have logged into your St.George account you need to select ‘Transfer & Payments’ and then click on ‘Payout a Credit Card held with another Bank’.

Rates last updated February 11th, 2016
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
St.George Vertigo Visa
One of the cheapest credit cards available in Australia with a long term balance transfer offer.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
St.George Vertigo Platinum
A low interest rate platinum card and long term offer on balance transfers.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
St.George No Annual Fee
Receive no annual fee, balance transfer offer and 3 additional cardholders at no extra cost.
0% p.a. for 12 months 0% p.a. for 3 months (reverts to 20.49% p.a.) $0 p.a. Go to site More info
St.George Amplify Classic
Choose from 2 great reward programs, Amplify Rewards or Amplify Qantas and have membership fee waived for the first year. Also transfer your existing credit card balance with no interest.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $79 p.a. Go to site More info
St.George Amplify Platinum
Enjoy Amplify Rewards or Qantas Rewards points, 2x rewards points on eligible purchases, platinum benefits including 24/7 concierge service and complimentary insurances.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $99 p.a. Go to site More info
St.George Amplify Signature
Receive St.George's highest uncapped points earn rate with 1.5 Amplify Points per $1 spent, complimentary insurances and 24/7 concierge.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $279 p.a. Go to site More info
Rates last updated February 11th, 2016
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
St.George Vertigo Platinum
Manage your credit card debt with 0% for 20 months on balance transfers and make any purchases interest free 0% for 3 months.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit when you apply online by and repay your credit card balances over 12 months with 0% p.a. interest. Plus enjoy $0 annual fee for life.
0% p.a. for 12 months 14.99% p.a. $0 p.a. Go to site More info
BoQ Platinum Visa Card - Exclusive Offer
Exclusive Offer to finder.com.au

Enjoy a 0% interest rate for 16 months on balance transfers.

0% p.a. for 16 months 20.74% p.a. $0 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Benefit from a low interest rate on your everyday purchases combined with a long term 0% p.a. balance transfer offer for 18 months.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $0 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers a balance transfer offer of 0% for 24 months. Apply by 30 April 2016.
0% p.a. for 24 months with 2.5% balance transfer fee 13.99% p.a. $59 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
0% p.a. for 6 months 9.99% p.a. $49 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 9 months on balance transfers and purchases when you apply by 29 February 2016
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
NAB Premium Card
Enjoy purchasing with 0% for 15 months during your long term balance transfer offer with Platinum credit card advantages.
0% p.a. for 15 months 0% p.a. for 15 months (reverts to 19.74% p.a.) $90 p.a. Go to site More info
American Express Velocity Escape Card -  Exclusive Offer
Enjoy 15,000 bonus Velocity Points and earn 2 points for every $1 you spend, together with a $0 annual fee. Also receive 0% for 12 months on balance transfers.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $0 p.a. Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 9 months if you apply by 30 April 2016.
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with promotional rates on purchases and 0% p.a. for 20 months on balance transfers, complimentary insurances and 24/7 concierge.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
0% p.a. for 6 months 19.99% p.a. $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 14 months to help you manage your existing credit card balance. Earn 10,000 bonus Velocity Points in the first 3 months.
0% p.a. for 14 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Credit Card
No annual fee for life of the credit card with a balance transfer offer. Also comes with a low interest rate and up to 55 days interest-free on purchases.
0% p.a. for 6 months 17.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low rate on your everyday purchases with a balance transfer offer of 0% p.a. for 18 months.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Get a balance transfer offer of 0% p.a. for 16 months, platinum card benefits including complimentary insurances and 24/7 concierge with $0 p.a. annual fee for the first year.
0% p.a. for 16 months 19.84% p.a. $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a long term balance transfer plus a $100 cashback offer (spend criteria applies) and never pay an annual fee for this card.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Amplify Classic - Amplify Rewards
Receive 0% p.a. for 18 months on balance transfers and earn Amplify points on purchases to redeem rewards and travel through Amplify Rewards.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $79 p.a. Go to site More info
Bank of Melbourne Amplify Platinum
Take advantage of low introductory purchase rate offer, balance transfer promotion of 0% p.a. for 18 months and 24/7 concierge service, all for a low annual fee.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $99 p.a. Go to site More info
Westpac 55 Day Credit Card
Enjoy a balance transfer offer of 0% p.a. for 14 months with an annual fee of $0 p.a. for the first year.
0% p.a. for 14 months 19.84% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
Learn more about the balance transfers

ANZ

Requires you to complete a balance transfer application form with details about your previous account and the amount you’re transferring, so make sure to have these handy. Once your application is approved, a new ANZ credit card will be sent to you for activation. Once the card has been activated, the balance transfer will be done automatically within 3-15 business days, depending on which bank you transferred from.

Rates last updated February 11th, 2016
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
ANZ First Visa Credit Card - Exclusive Offer
If you are a student, or considering applying for your first credit card, the ANZ First Visa is a good one to consider, with the opportunity to have a low starting credit limit.
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points when you spend $2,500 within the first three months and 1.5 points per $1 spent. Get complimentary airport lounge access, 24/7 concierge with $0 annual fee in the first year.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum American Express/Visa
Get 50,000 bonus Qantas Points when you spend $2,500 within the first three months and $0 p.a. annual fee for the first year. Earn up to 1.5 Qantas Points per $1 spent on purchases.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
ANZ First Student Card Offer
An ideal credit card for students with 44 days interest-free on purchases with $0 annual fee in the first year. Access your account on the go with the goMoney™ app.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
ANZ Low Rate
Enjoy a low rate on your everyday purchases and on long term balance transfers.
0% p.a. for 18 months with 3% balance transfer fee 13.49% p.a. $58 p.a. Go to site More info
ANZ Rewards Black Credit Card
Earn 75,000 bonus points when you spend $2,500 within the first three months, up to 3 reward points per dollar spent, plus enjoy up to 55 interest-free days on purchases.
18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
ANZ First Visa Credit Card
If you are a student, or considering applying for your first credit card, the ANZ First Visa is a good one to consider, with the opportunity to have a low starting credit limit.
0% p.a. for 18 months with 3% balance transfer fee 19.74% p.a. $30 p.a. Go to site More info
ANZ Platinum Credit Card
Receive a low, long term rate on balance transfers. Get no annual fee for the first year.
0% p.a. for 18 months with 3% balance transfer fee 19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
ANZ Low Rate Platinum Credit Card
A low interest rate on purchase with up to 55 days interest-free. Plus enjoy a low rate balance transfer offer.
0% p.a. for 18 months with 3% balance transfer fee 13.49% p.a. $99 p.a. Go to site More info
ANZ Rewards Platinum
A credit card which lets you earn 1.5 reward points for every dollar spent on eligible purchases with your VISA card and 3 reward points with your AMEX card.
18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points when you spend $2,500 within the first three months with $0 p.a. annual fee for the first year and earn 1 Qantas Point per dollar spent.
19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
ANZ Rewards Credit Card
Pay no annual fee for the first year, get 25,000 bonus Reward Points when you spend $2,500 on purchases within the first 3 months, and earn 2 points per dollar spent.
18.79% p.a. $0 p.a. annual fee for the first year ($89 p.a. thereafter) Go to site More info
ANZ Balance Visa
For people interested in a reward's program after they've repaid their balance.
13.99% p.a. $79 p.a. More info

Compare ANZ balance transfer offers

Rates last updated February 11th, 2016
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
St.George Vertigo Platinum
Manage your credit card debt with 0% for 20 months on balance transfers and make any purchases interest free 0% for 3 months.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit when you apply online by and repay your credit card balances over 12 months with 0% p.a. interest. Plus enjoy $0 annual fee for life.
0% p.a. for 12 months 14.99% p.a. $0 p.a. Go to site More info
BoQ Platinum Visa Card - Exclusive Offer
Exclusive Offer to finder.com.au

Enjoy a 0% interest rate for 16 months on balance transfers.

0% p.a. for 16 months 20.74% p.a. $0 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Benefit from a low interest rate on your everyday purchases combined with a long term 0% p.a. balance transfer offer for 18 months.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $0 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers a balance transfer offer of 0% for 24 months. Apply by 30 April 2016.
0% p.a. for 24 months with 2.5% balance transfer fee 13.99% p.a. $59 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
0% p.a. for 6 months 9.99% p.a. $49 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 9 months on balance transfers and purchases when you apply by 29 February 2016
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
NAB Premium Card
Enjoy purchasing with 0% for 15 months during your long term balance transfer offer with Platinum credit card advantages.
0% p.a. for 15 months 0% p.a. for 15 months (reverts to 19.74% p.a.) $90 p.a. Go to site More info
American Express Velocity Escape Card -  Exclusive Offer
Enjoy 15,000 bonus Velocity Points and earn 2 points for every $1 you spend, together with a $0 annual fee. Also receive 0% for 12 months on balance transfers.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $0 p.a. Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 9 months if you apply by 30 April 2016.
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with promotional rates on purchases and 0% p.a. for 20 months on balance transfers, complimentary insurances and 24/7 concierge.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
0% p.a. for 6 months 19.99% p.a. $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 14 months to help you manage your existing credit card balance. Earn 10,000 bonus Velocity Points in the first 3 months.
0% p.a. for 14 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Credit Card
No annual fee for life of the credit card with a balance transfer offer. Also comes with a low interest rate and up to 55 days interest-free on purchases.
0% p.a. for 6 months 17.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low rate on your everyday purchases with a balance transfer offer of 0% p.a. for 18 months.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Get a balance transfer offer of 0% p.a. for 16 months, platinum card benefits including complimentary insurances and 24/7 concierge with $0 p.a. annual fee for the first year.
0% p.a. for 16 months 19.84% p.a. $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a long term balance transfer plus a $100 cashback offer (spend criteria applies) and never pay an annual fee for this card.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Amplify Classic - Amplify Rewards
Receive 0% p.a. for 18 months on balance transfers and earn Amplify points on purchases to redeem rewards and travel through Amplify Rewards.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $79 p.a. Go to site More info
Bank of Melbourne Amplify Platinum
Take advantage of low introductory purchase rate offer, balance transfer promotion of 0% p.a. for 18 months and 24/7 concierge service, all for a low annual fee.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $99 p.a. Go to site More info
Westpac 55 Day Credit Card
Enjoy a balance transfer offer of 0% p.a. for 14 months with an annual fee of $0 p.a. for the first year.
0% p.a. for 14 months 19.84% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
Learn more about the balance transfers 

Commonwealth Bank

You can apply for a balance transfer at the same time as applying for a new Commonwealth Bank credit card. You’ll also be required to provide details regarding the transfer, so make sure to have these on hand before beginning the application. Once your application is approved, it can take up to 10 business days for the card to be delivered. If you didn’t have the option to apply for your balance transfer during the application, once your card is activated, you can either visit your local branch or call 132 221 to request your balance transfer, which could take a further 28 days.

Rates last updated February 11th, 2016
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Commonwealth Bank Low Rate Credit Card
$150 cash back offer if you apply online by 14 April 2016 and spend $500 on eligible purchases by 31 May 2016. This is also a low rate card of 13.49% p.a. combined with low annual fee of $59.
5.99% p.a. for 5 months 13.49% p.a. $59 p.a. Go to site More info
Commonwealth Bank Low Fee Credit Card
A low fee credit card with $0 annual fee for the first year combined with up to 55 interest free days on purchases.
5.99% p.a. for 5 months 19.74% p.a. $0 p.a. annual fee for the first year ($29 p.a. thereafter) Go to site More info
Commonwealth Bank Gold Awards Credit Card
Earn up to 2 Awards points for every $1 spent and up to 55 days interest free with complimentary international travel insurance.
5.99% p.a. for 5 months 20.24% p.a. $119 p.a. Go to site More info
Commonwealth Bank Low Rate Gold Credit Card
A low rate card that comes with up to 55 days interest-free on purchases combined with complimentary international travel insurance.
5.99% p.a. for 5 months 13.49% p.a. $89 p.a. Go to site More info
Commonwealth Bank Awards Credit Card
Dual credit card with balance transfer offer of 5.99% p.a. for 5 months and earn up to 1.5 Awards points per dollar spent.
5.99% p.a. for 5 months 20.24% p.a. $59 p.a. Go to site More info
Commonwealth Bank Low Fee Gold Credit Card
Gold card privileges such as complimentary international travel insurance with interest-free days and $0 annual fee for the first year.
5.99% p.a. for 5 months 19.74% p.a. $0 p.a. annual fee for the first year ($89 p.a. thereafter) Go to site More info
Commonwealth Bank Platinum Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and meet the spend criteria plus earn up to 2.5 Awards points per dollar spent, complimentary international travel insurance and 24/7 concierge service.
5.99% p.a. for 5 months 20.24% p.a. $249 p.a. Go to site More info
Commonwealth Bank Diamond Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and spend $1,000 on eligible purchases and earn up to 3 Awards points per $1 spent.
5.99% p.a. for 5 months 20.24% p.a. $349 p.a. Go to site More info
Commonwealth Bank Student Credit Card
Enjoy no annual fee for the life of the card, up to 55 interest free days, and a balance transfer offer.
5.99% p.a. for 5 months 19.74% p.a. $0 p.a. More info
Commonwealth Bank Corporate Credit Card
Minimise your business costs by controlling transaction limits and monthly spending limits.
17.57% p.a. $40 p.a. More info
Commonwealth Bank Corporate Charge Card
An easy to use card that can let you manage your business' purchases and travel expenses.
$40 p.a. More info

Compare Commonwealth Bank balance transfer deals

Rates last updated February 11th, 2016
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
St.George Vertigo Platinum
Manage your credit card debt with 0% for 20 months on balance transfers and make any purchases interest free 0% for 3 months.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit when you apply online by and repay your credit card balances over 12 months with 0% p.a. interest. Plus enjoy $0 annual fee for life.
0% p.a. for 12 months 14.99% p.a. $0 p.a. Go to site More info
BoQ Platinum Visa Card - Exclusive Offer
Exclusive Offer to finder.com.au

Enjoy a 0% interest rate for 16 months on balance transfers.

0% p.a. for 16 months 20.74% p.a. $0 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Benefit from a low interest rate on your everyday purchases combined with a long term 0% p.a. balance transfer offer for 18 months.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $0 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers a balance transfer offer of 0% for 24 months. Apply by 30 April 2016.
0% p.a. for 24 months with 2.5% balance transfer fee 13.99% p.a. $59 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
0% p.a. for 6 months 9.99% p.a. $49 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 9 months on balance transfers and purchases when you apply by 29 February 2016
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
NAB Premium Card
Enjoy purchasing with 0% for 15 months during your long term balance transfer offer with Platinum credit card advantages.
0% p.a. for 15 months 0% p.a. for 15 months (reverts to 19.74% p.a.) $90 p.a. Go to site More info
American Express Velocity Escape Card -  Exclusive Offer
Enjoy 15,000 bonus Velocity Points and earn 2 points for every $1 you spend, together with a $0 annual fee. Also receive 0% for 12 months on balance transfers.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $0 p.a. Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 9 months if you apply by 30 April 2016.
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with promotional rates on purchases and 0% p.a. for 20 months on balance transfers, complimentary insurances and 24/7 concierge.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
0% p.a. for 6 months 19.99% p.a. $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 14 months to help you manage your existing credit card balance. Earn 10,000 bonus Velocity Points in the first 3 months.
0% p.a. for 14 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Credit Card
No annual fee for life of the credit card with a balance transfer offer. Also comes with a low interest rate and up to 55 days interest-free on purchases.
0% p.a. for 6 months 17.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low rate on your everyday purchases with a balance transfer offer of 0% p.a. for 18 months.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Get a balance transfer offer of 0% p.a. for 16 months, platinum card benefits including complimentary insurances and 24/7 concierge with $0 p.a. annual fee for the first year.
0% p.a. for 16 months 19.84% p.a. $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a long term balance transfer plus a $100 cashback offer (spend criteria applies) and never pay an annual fee for this card.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Amplify Classic - Amplify Rewards
Receive 0% p.a. for 18 months on balance transfers and earn Amplify points on purchases to redeem rewards and travel through Amplify Rewards.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $79 p.a. Go to site More info
Bank of Melbourne Amplify Platinum
Take advantage of low introductory purchase rate offer, balance transfer promotion of 0% p.a. for 18 months and 24/7 concierge service, all for a low annual fee.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $99 p.a. Go to site More info
Westpac 55 Day Credit Card
Enjoy a balance transfer offer of 0% p.a. for 14 months with an annual fee of $0 p.a. for the first year.
0% p.a. for 14 months 19.84% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
Learn more about the balance transfers 

NAB

You can apply for a balance transfer when you apply for a new credit card or if you already have a NAB credit card. Any of NAB’s credit cards allow you to process a balance transfer, so ensure you choose the right credit card for you http://www.nab.com.au/personal/banking/credit-cards. Once your application is approved, it will take five days for your credit card to be processed. If you already have a NAB credit card, you’ll need to contact NAB and complete a balance transfer form.

Rates last updated February 11th, 2016
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
NAB Low Rate Credit Card
0% p.a. for 24 months with 2.5% balance transfer fee months on balance transfers. Enjoy the benefit of a low ongoing interest rate on purchases.
0% p.a. for 24 months with 2.5% balance transfer fee 13.99% p.a. $59 p.a. Go to site More info
NAB Premium Card
0% p.a. for 15 months on purchases and balances transfers. Benefit from platinum credit card advantages. Apply by 30 April 2016.
0% p.a. for 15 months 0% p.a. for 15 months (reverts to 19.74% p.a.) $90 p.a. Go to site More info
NAB Low Fee Card
Low annual fee card offer with complimentary Purchase Protection Insurance.
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
NAB Qantas Rewards Card
Receive 30,000 bonus Qantas Points plus a low balance transfer offer. Plus earn 1.00 Qantas Point per $1 spent on eligible purchases.
4.99% p.a. for 6 months 19.99% p.a. $95 p.a. Go to site More info
NAB Velocity Rewards Premium Card
Enjoy 60,000 bonus Velocity Points on eligible purchases within the first 90 days.
4.99% p.a. for 6 months 19.99% p.a. $150 p.a. Go to site More info
NAB Qantas Rewards Premium Card
Receive 60,000 bonus Qantas Points and take advantage of an introductory balance transfer rate.
4.99% p.a. for 6 months 19.99% p.a. $250 p.a. Go to site More info
NAB flybuys Rewards Card
Earn up to 30,000 flybuys bonus points and a low offer on balance transfers. Receive 1.00 flybuys point for every $1 you spend on your everyday purchases.
4.99% p.a. for 6 months 19.99% p.a. $95 p.a. Go to site More info
NAB Velocity Rewards Card
Receive 30,000 bonus Velocity Points and a low annual fee and 4.99% p.a. for 6 months on balance transfers.
4.99% p.a. for 6 months 19.99% p.a. $95 p.a. Go to site More info
NAB Qantas Business Card
Enjoy uncapped rewards points earning through the Qantas Frequent Flyer program.
18.50% p.a. $144 p.a. More info
NAB Business Payments Card
Enjoy no monthly card fee and no fee for additional cardholders.
15.50% p.a. $0 p.a. More info
NAB Business Access Card
Offers a low annual fee with a competitive interest rate on purchases and cash advances.
13.25% p.a. $60 p.a. More info
NAB Business Card
A charge card that gives you up to 35 days interest free on business purchases.
15.50% p.a. $108 p.a. More info
NAB Purchasing and Corporate Card
Monitor your business-related expenses with a low interest rate on purchases and cash advances.
13% p.a. More info

Compare NAB balance transfer credit cards

Rates last updated February 11th, 2016
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
St.George Vertigo Platinum
Manage your credit card debt with 0% for 20 months on balance transfers and make any purchases interest free 0% for 3 months.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit when you apply online by and repay your credit card balances over 12 months with 0% p.a. interest. Plus enjoy $0 annual fee for life.
0% p.a. for 12 months 14.99% p.a. $0 p.a. Go to site More info
BoQ Platinum Visa Card - Exclusive Offer
Exclusive Offer to finder.com.au

Enjoy a 0% interest rate for 16 months on balance transfers.

0% p.a. for 16 months 20.74% p.a. $0 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Benefit from a low interest rate on your everyday purchases combined with a long term 0% p.a. balance transfer offer for 18 months.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $0 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers a balance transfer offer of 0% for 24 months. Apply by 30 April 2016.
0% p.a. for 24 months with 2.5% balance transfer fee 13.99% p.a. $59 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
0% p.a. for 6 months 9.99% p.a. $49 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 9 months on balance transfers and purchases when you apply by 29 February 2016
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
NAB Premium Card
Enjoy purchasing with 0% for 15 months during your long term balance transfer offer with Platinum credit card advantages.
0% p.a. for 15 months 0% p.a. for 15 months (reverts to 19.74% p.a.) $90 p.a. Go to site More info
American Express Velocity Escape Card -  Exclusive Offer
Enjoy 15,000 bonus Velocity Points and earn 2 points for every $1 you spend, together with a $0 annual fee. Also receive 0% for 12 months on balance transfers.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $0 p.a. Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 9 months if you apply by 30 April 2016.
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with promotional rates on purchases and 0% p.a. for 20 months on balance transfers, complimentary insurances and 24/7 concierge.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
0% p.a. for 6 months 19.99% p.a. $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 14 months to help you manage your existing credit card balance. Earn 10,000 bonus Velocity Points in the first 3 months.
0% p.a. for 14 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Credit Card
No annual fee for life of the credit card with a balance transfer offer. Also comes with a low interest rate and up to 55 days interest-free on purchases.
0% p.a. for 6 months 17.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low rate on your everyday purchases with a balance transfer offer of 0% p.a. for 18 months.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Get a balance transfer offer of 0% p.a. for 16 months, platinum card benefits including complimentary insurances and 24/7 concierge with $0 p.a. annual fee for the first year.
0% p.a. for 16 months 19.84% p.a. $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a long term balance transfer plus a $100 cashback offer (spend criteria applies) and never pay an annual fee for this card.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Amplify Classic - Amplify Rewards
Receive 0% p.a. for 18 months on balance transfers and earn Amplify points on purchases to redeem rewards and travel through Amplify Rewards.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $79 p.a. Go to site More info
Bank of Melbourne Amplify Platinum
Take advantage of low introductory purchase rate offer, balance transfer promotion of 0% p.a. for 18 months and 24/7 concierge service, all for a low annual fee.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $99 p.a. Go to site More info
Westpac 55 Day Credit Card
Enjoy a balance transfer offer of 0% p.a. for 14 months with an annual fee of $0 p.a. for the first year.
0% p.a. for 14 months 19.84% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
Learn more about the balance transfers 

Westpac

You can apply for balance transfers when you apply for a Westpac credit card. Once your application is approved, it can take up to six days for the card to arrive and an extra two days for the balance transfer to be finalised.

Rates last updated February 11th, 2016
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Westpac 55 Day Platinum Credit Card
Enjoy platinum benefits offering complimentary insurances, 24/7 concierge, balance transfer offer of 0% p.a. for 16 months with $0 annual fee for the first year.
0% p.a. for 16 months 19.84% p.a. $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Westpac 55 Day Credit Card
Enjoy a balance transfer offer of 0% p.a. for 14 months with an annual fee of $0 p.a. for the first year.
0% p.a. for 14 months 19.84% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
Westpac Low Rate Card
A no frills credit card with a balance transfer offer of 0% p.a. for 18 months with a low rate on purchases and an annual fee of $59.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.49% p.a.) $59 p.a. More info
Westpac Altitude Card
Low interest rate offer on purchases and 0% p.a. for 14 months on balance transfers. Redeem Altitude points for flights on any of the world's major airlines plus earn 2 reward points for every dollar spent.
0% p.a. for 14 months 0% p.a. for 3 months (reverts to 20.24% p.a.) $100 p.a. More info
Westpac Altitude Platinum Card
Receive 40,000 bonus points on eligible spend, combined with a low interest rate offer on purchases and 0% p.a. for 14 months on balance transfers.
0% p.a. for 14 months 20.24% p.a. $150 p.a. More info
Westpac Altitude Black
Earn 3 rewards points per dollar spent, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 20.24% p.a.) $395 p.a. More info
Westpac Altitude Platinum Business Credit Card
A platinum business card with a long term purchase rate offer of 0% p.a. for 12 months, with uncapped reward points earnings per dollar spent on eligible purchases.
0% p.a. for 12 months (reverts to 20.24% p.a.) $0 p.a. annual fee for the first year ($295 p.a. thereafter) More info
Westpac Altitude Business Gold Credit Card
Earn up to 2 reward points for every $1 spent on eligible purchases with $0 annual fee for the first year and receive complimentary insurances.
0% p.a. for 12 months (reverts to 20.24% p.a.) $0 p.a. annual fee for the first year ($150 p.a. thereafter) More info
Westpac Business Choice Rewards Card
A rewards credit card for business transactions which lets you earn uncapped Acquire Points for every dollar spent on eligible purchases and get up to 10 cards on one account.
18.99% p.a. $150 p.a. More info
Westpac Student Visa Card
This credit card comes with a low credit limit combined with a $0 annual fee for the first year and 55 interest free days on purchases, designed for full time tertiary students.
20.45% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) More info
Westpac Business Choice Rewards Card - Qantas Frequent Flyer
A rewards credit card for business transactions which allows you to earn Acquire Points for every dollar spent on eligible purchases.
18.99% p.a. $150 p.a. More info

Compare Westpac balance transfer offers

Rates last updated February 11th, 2016
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
St.George Vertigo Platinum
Manage your credit card debt with 0% for 20 months on balance transfers and make any purchases interest free 0% for 3 months.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit when you apply online by and repay your credit card balances over 12 months with 0% p.a. interest. Plus enjoy $0 annual fee for life.
0% p.a. for 12 months 14.99% p.a. $0 p.a. Go to site More info
BoQ Platinum Visa Card - Exclusive Offer
Exclusive Offer to finder.com.au

Enjoy a 0% interest rate for 16 months on balance transfers.

0% p.a. for 16 months 20.74% p.a. $0 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Benefit from a low interest rate on your everyday purchases combined with a long term 0% p.a. balance transfer offer for 18 months.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $0 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers a balance transfer offer of 0% for 24 months. Apply by 30 April 2016.
0% p.a. for 24 months with 2.5% balance transfer fee 13.99% p.a. $59 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
0% p.a. for 6 months 9.99% p.a. $49 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 9 months on balance transfers and purchases when you apply by 29 February 2016
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
NAB Premium Card
Enjoy purchasing with 0% for 15 months during your long term balance transfer offer with Platinum credit card advantages.
0% p.a. for 15 months 0% p.a. for 15 months (reverts to 19.74% p.a.) $90 p.a. Go to site More info
American Express Velocity Escape Card -  Exclusive Offer
Enjoy 15,000 bonus Velocity Points and earn 2 points for every $1 you spend, together with a $0 annual fee. Also receive 0% for 12 months on balance transfers.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $0 p.a. Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 9 months if you apply by 30 April 2016.
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with promotional rates on purchases and 0% p.a. for 20 months on balance transfers, complimentary insurances and 24/7 concierge.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
0% p.a. for 6 months 19.99% p.a. $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 14 months to help you manage your existing credit card balance. Earn 10,000 bonus Velocity Points in the first 3 months.
0% p.a. for 14 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Credit Card
No annual fee for life of the credit card with a balance transfer offer. Also comes with a low interest rate and up to 55 days interest-free on purchases.
0% p.a. for 6 months 17.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low rate on your everyday purchases with a balance transfer offer of 0% p.a. for 18 months.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Get a balance transfer offer of 0% p.a. for 16 months, platinum card benefits including complimentary insurances and 24/7 concierge with $0 p.a. annual fee for the first year.
0% p.a. for 16 months 19.84% p.a. $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a long term balance transfer plus a $100 cashback offer (spend criteria applies) and never pay an annual fee for this card.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Amplify Classic - Amplify Rewards
Receive 0% p.a. for 18 months on balance transfers and earn Amplify points on purchases to redeem rewards and travel through Amplify Rewards.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $79 p.a. Go to site More info
Bank of Melbourne Amplify Platinum
Take advantage of low introductory purchase rate offer, balance transfer promotion of 0% p.a. for 18 months and 24/7 concierge service, all for a low annual fee.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $99 p.a. Go to site More info
Westpac 55 Day Credit Card
Enjoy a balance transfer offer of 0% p.a. for 14 months with an annual fee of $0 p.a. for the first year.
0% p.a. for 14 months 19.84% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
Learn more about the balance transfers 
Back to top

How to ensure your application is processed quicker

4 steps to speeding up the process

The key to ensuring your balance transfer is processed quickly is to be organised. This can help you avoid any speed bumps that could slow down the process and ensure your balance transfer is issued as quickly as possible. Know what the bank needs in order to process your balance transfer request and ensure your accounts are in order. Use the following steps as a guide:

  1. Do your research. Each of the banks and credit cards have different interest rates, one-off fees, balance transfer limits and introductory offer time periods. Compare your options to discover which one works best for your situation.
  2. Meet the eligibility requirements. You’ll be required to meet eligibility requirements to be approved, such as minimum income and good credit history. Make sure you meet these requirements before applying. Some banks also only accept balance transfers from certain institutions. Check which banks you’re eligible to transfer your balance from.
  3. Collect the required documents. Each bank has a different application process and will require you to provide specific information and documents. To avoid stalling the application process, have the paperwork prepared before applying. You don’t want to prolong the period by having to chase down pay slips and scan them through a week later.
  4. Have your accounts in order. Having any debts or cash advances owing on your credit cards won’t look good to the banks. Ensure your accounts are all in order to increase your chances of approval, and show that you have been making repayments regularly rather than having your debts outweigh your credits.

Balance transfers to a new credit card can minimise the amount of interest you pay and get your savings back on track. Applying for a balance transfer is simple, but you should do your research, compare your options and organise the necessary documents to speed up the application process and increase your chances of approval.

Balance transfer information, tips and comparison

Balance transfer credit cards comparison

Rates last updated February 11th, 2016
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
St.George Vertigo Platinum
Manage your credit card debt with 0% for 20 months on balance transfers and make any purchases interest free 0% for 3 months.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit when you apply online by and repay your credit card balances over 12 months with 0% p.a. interest. Plus enjoy $0 annual fee for life.
0% p.a. for 12 months 14.99% p.a. $0 p.a. Go to site More info
BoQ Platinum Visa Card - Exclusive Offer
Exclusive Offer to finder.com.au

Enjoy a 0% interest rate for 16 months on balance transfers.

0% p.a. for 16 months 20.74% p.a. $0 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Benefit from a low interest rate on your everyday purchases combined with a long term 0% p.a. balance transfer offer for 18 months.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $0 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers a balance transfer offer of 0% for 24 months. Apply by 30 April 2016.
0% p.a. for 24 months with 2.5% balance transfer fee 13.99% p.a. $59 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
0% p.a. for 6 months 9.99% p.a. $49 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 9 months on balance transfers and purchases when you apply by 29 February 2016
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
NAB Premium Card
Enjoy purchasing with 0% for 15 months during your long term balance transfer offer with Platinum credit card advantages.
0% p.a. for 15 months 0% p.a. for 15 months (reverts to 19.74% p.a.) $90 p.a. Go to site More info
American Express Velocity Escape Card -  Exclusive Offer
Enjoy 15,000 bonus Velocity Points and earn 2 points for every $1 you spend, together with a $0 annual fee. Also receive 0% for 12 months on balance transfers.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $0 p.a. Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 9 months if you apply by 30 April 2016.
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with promotional rates on purchases and 0% p.a. for 20 months on balance transfers, complimentary insurances and 24/7 concierge.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
0% p.a. for 6 months 19.99% p.a. $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 14 months to help you manage your existing credit card balance. Earn 10,000 bonus Velocity Points in the first 3 months.
0% p.a. for 14 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Credit Card
No annual fee for life of the credit card with a balance transfer offer. Also comes with a low interest rate and up to 55 days interest-free on purchases.
0% p.a. for 6 months 17.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low rate on your everyday purchases with a balance transfer offer of 0% p.a. for 18 months.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Get a balance transfer offer of 0% p.a. for 16 months, platinum card benefits including complimentary insurances and 24/7 concierge with $0 p.a. annual fee for the first year.
0% p.a. for 16 months 19.84% p.a. $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a long term balance transfer plus a $100 cashback offer (spend criteria applies) and never pay an annual fee for this card.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Amplify Classic - Amplify Rewards
Receive 0% p.a. for 18 months on balance transfers and earn Amplify points on purchases to redeem rewards and travel through Amplify Rewards.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $79 p.a. Go to site More info
Bank of Melbourne Amplify Platinum
Take advantage of low introductory purchase rate offer, balance transfer promotion of 0% p.a. for 18 months and 24/7 concierge service, all for a low annual fee.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 19.49% p.a.) $99 p.a. Go to site More info
Westpac 55 Day Credit Card
Enjoy a balance transfer offer of 0% p.a. for 14 months with an annual fee of $0 p.a. for the first year.
0% p.a. for 14 months 19.84% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
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2 Responses to How Long Does A Balance Transfer Take?

  1. Default Gravatar
    Dan | April 23, 2013

    How long does a balance transfer take once the card is activated?

    • Staff
      Jacob | April 23, 2013

      Hi Dan. Thanks for the question. Typically, it takes two days. Watch this video for information on this topic. Jacob.

Credit Cards Comparison

Rates last updated February 11th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers a balance transfer offer of 0% for 24 months. Apply by 30 April 2016.
VISA/MC: 0 AMEX: 0 13.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
4 months VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $0 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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