Best Balance Transfer Credit Cards

Carrying credit card debt at 20%+ interest? A balance transfer card lets you move that debt to a new card with 0% or very low interest for an introductory period — giving you breathing room to pay it down without the interest piling up.

Low Rate Credit Card

HSBC · Visa

$99/yr12.99% p.a.55 interest-free days

🎁 0% p.a. on balance transfers for 36 months

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Clear Options Platinum Visa

Suncorp · Visa

$89/yr19.99% p.a.55 interest-free days

🎁 0% on balance transfers for 24 months

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Vertigo Platinum

St.George · Visa

$99/yr20.49% p.a.55 interest-free days

🎁 0% on balance transfers for 24 months

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Vertigo Platinum

St.George · Visa

$0/yr15.99% p.a.55 interest-free days

🎁 0% on balance transfers for 26 months

balance transferno fees

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💡 Tips for Choosing a Balance Transfer Credit Cards

1.Always check the balance transfer fee (typically 1-3% of the amount transferred)
2.Set up automatic payments to clear the debt before the intro period ends
3.Don't use the new card for purchases — they often attract the standard high rate
4.The revert rate after the intro period is usually 20%+ — have a payoff plan

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Information is general in nature and does not constitute financial advice. Product details may change — always verify with the provider. Last updated March 2026.