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Transfer your balance to a 0% card & save $1200*

*on a $4200 balance

Calculate how much you could save with your credit card transfer and compare balance transfer offers

Calculate how much you could save by transferring your balance to a 0% card balance deal

Credit Card Balance

Monthly Repayment

Current Interest Rate

%
Company
Product
Balance Transfer Deal
Annual Fee
Fees & Interest
Potential Savings
Time to Repay Balance
Purchase Rate
Go To Site
Citibank
Balance Transfer Deal0% for 15 months,then 19.99% (1.5% handling fee)
Annual Fee$0
Fees & Interest$119
Potential Savings$1,552
21 months
19.99%
American Express
Balance Transfer Deal0% for 12 months,then 14.99% (1% handling fee)
Annual Fee$0
Fees & Interest$141
Potential Savings$1,530
21 months
14.99%
BankSA
Balance Transfer Deal0% for 12 months,then 13.24%
Annual Fee$55
Fees & Interest$205
Potential Savings$1,466
22 months
0% for 6 month then 13.24%
St.George Bank
Balance Transfer Deal0% for 12 months,then 13.24%
Annual Fee$55
Fees & Interest$205
Potential Savings$1,466
22 months
0% for 6 month then 13.24%
Bank of Melbourne
Balance Transfer Deal0% for 12 months,then 13.24%
Annual Fee$55
Fees & Interest$205
Potential Savings$1,466
22 months
0% for 6 month then 13.24%
Westpac
Balance Transfer Deal0% for 12 months,then 13.49%
Annual Fee$59
Fees & Interest$216
Potential Savings$1,456
22 months
0% for 6 month then 13.49%
Westpac
Balance Transfer Deal0% for 12 months,then 19.84%
Annual Fee$90waived in first year
Fees & Interest$234
Potential Savings$1,438
22 months
0% for 6 month then 19.84%
Coles
Balance Transfer Deal0% for 6 months,then 9.99%
Annual Fee$49
Fees & Interest$298
Potential Savings$1,374
22 months
12.99%
BankSA
Balance Transfer Deal0% for 12 months,then 12.74%
Annual Fee$99
Fees & Interest$299
Potential Savings$1,373
22 months
0% for 6 month then 12.74%
Bank of Melbourne
Balance Transfer Deal0% for 12 months,then 12.74%
Annual Fee$99
Fees & Interest$299
Potential Savings$1,373
22 months
0% for 6 month then 12.74%
St.George Bank
Balance Transfer Deal0% for 12 months,then 12.74%
Annual Fee$99
Fees & Interest$299
Potential Savings$1,373
22 months
0% for 6 month then 12.74%
BankSA
Balance Transfer Deal0% for 12 months,then 19.49%
Annual Fee$79
Fees & Interest$311
Potential Savings$1,361
22 months
0% for 6 month then 19.49%
Bank of Melbourne
Balance Transfer Deal0% for 12 months,then 19.49%
Annual Fee$79
Fees & Interest$311
Potential Savings$1,361
22 months
0% for 6 month then 19.49%
St.George Bank
Balance Transfer Deal0% for 12 months,then 19.49%
Annual Fee$79
Fees & Interest$311
Potential Savings$1,361
22 months
0% for 6 month then 19.49%
Bank of Melbourne
Balance Transfer Deal0% for 12 months,then 19.49%
Annual Fee$99
Fees & Interest$358
Potential Savings$1,314
22 months
0% for 6 month then 19.49%
BankSA
Balance Transfer Deal0% for 12 months,then 19.49%
Annual Fee$99
Fees & Interest$358
Potential Savings$1,314
22 months
0% for 6 month then 19.49%
Coles
Balance Transfer Deal0% for 6 months,then 19.99%
Annual Fee$89
Fees & Interest$638
Potential Savings$1,033
24 months
19.99%
Simplicity
Balance Transfer Deal0% for 15 months,then 19.99% (1.5% handling fee)
Annual Fee$0
Fees & Interest$119
Potential Savings$1,552
Essential Credit Card
Balance Transfer Deal0% for 12 months,then 14.99% (1% handling fee)
Annual Fee$0
Fees & Interest$141
Potential Savings$1,530
Vertigo Visa
Balance Transfer Deal0% for 12 months,then 13.24%
Annual Fee$55
Fees & Interest$205
Potential Savings$1,466
Vertigo Visa
Balance Transfer Deal0% for 12 months,then 13.24%
Annual Fee$55
Fees & Interest$205
Potential Savings$1,466
Vertigo Visa
Balance Transfer Deal0% for 12 months,then 13.24%
Annual Fee$55
Fees & Interest$205
Potential Savings$1,466
Low Rate Visa Card
Balance Transfer Deal0% for 12 months,then 13.49%
Annual Fee$59
Fees & Interest$216
Potential Savings$1,456
55 Day Platinum
Balance Transfer Deal0% for 12 months,then 19.84%
Annual Fee$90waived in first year
Fees & Interest$234
Potential Savings$1,438
Low Rate Platinum MasterCard
Balance Transfer Deal0% for 6 months,then 9.99%
Annual Fee$49
Fees & Interest$298
Potential Savings$1,374
Vertigo Platinum
Balance Transfer Deal0% for 12 months,then 12.74%
Annual Fee$99
Fees & Interest$299
Potential Savings$1,373
Vertigo Platinum
Balance Transfer Deal0% for 12 months,then 12.74%
Annual Fee$99
Fees & Interest$299
Potential Savings$1,373
Vertigo Platinum
Balance Transfer Deal0% for 12 months,then 12.74%
Annual Fee$99
Fees & Interest$299
Potential Savings$1,373
Amplify Classic
Balance Transfer Deal0% for 12 months,then 19.49%
Annual Fee$79
Fees & Interest$311
Potential Savings$1,361
Amplify Classic
Balance Transfer Deal0% for 12 months,then 19.49%
Annual Fee$79
Fees & Interest$311
Potential Savings$1,361
Amplify Classic
Balance Transfer Deal0% for 12 months,then 19.49%
Annual Fee$79
Fees & Interest$311
Potential Savings$1,361
Amplify Platinum
Balance Transfer Deal0% for 12 months,then 19.49%
Annual Fee$99
Fees & Interest$358
Potential Savings$1,314
Amplify Platinum
Balance Transfer Deal0% for 12 months,then 19.49%
Annual Fee$99
Fees & Interest$358
Potential Savings$1,314
Rewards Platinum MasterCard
Balance Transfer Deal0% for 6 months,then 19.99%
Annual Fee$89
Fees & Interest$638
Potential Savings$1,033
Assumptions | Australian Credit License 316710.
Collectively Aussies have built up $30 billion in credit card debt, on which they pay interest every day. The savviest card holders are shedding their credit card debt in droves. We think collectively we could all save $9.5 Billion in interest and fees by switching to a better deal and paying down that debt.

*How we did our calculations

We compared how much a card holder with the average debt, on an average card (as at October 2016) could save by taking one of the best balance transfer deals and paying off $200 each month. Calculations were done on 23 December 2016, based on cards available on that day. Calculator is based on current deals in market which will change over time.

The average debt figure of $4225 is based on the total outstanding balance accruing interest (source: RBA Credit and Charge Card Statistics for October 2016), divided by the number of card holders (Source: Roy Morgan Research, 12 month average June 2016).

We have made the following assumptions: the $200 is repaid on time, every month, no new purchases are made, interest rates don't change on your existing card, and the cardholder meets the lending criteria and is approved for the deal.

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