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

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
Westpac
Balance Transfer Deal
0% for 18 months,then 19.84%
Annual Fee
$90waived in first year
Fees & Interest
$105
Potential Savings
$1,567
21 months
19.84%
St.George Bank
Balance Transfer Deal
0% for 18 months,then 13.24% (2% handling fee)
Annual Fee
$55waived in first year
Fees & Interest
$146
Potential Savings
$1,525
21 months
13.24%
Westpac
Balance Transfer Deal
0% for 18 months,then 13.49% (2% handling fee)
Annual Fee
$59
Fees & Interest
$212
Potential Savings
$1,460
22 months
13.49%
American Express
Balance Transfer Deal
0% for 12 months,then 14.99% (3% handling fee)
Annual Fee
$0
Fees & Interest
$231
Potential Savings
$1,441
22 months
14.99%
St.George Bank
Balance Transfer Deal
0% for 24 months,then 12.74% (2% handling fee)
Annual Fee
$99
Fees & Interest
$278
Potential Savings
$1,394
22 months
12.74%
Coles
Balance Transfer Deal
0% for 6 months,then 12.99%
Annual Fee
$58
Fees & Interest
$386
Potential Savings
$1,286
22 months
12.99%
Coles
Balance Transfer Deal
0% for 6 months,then 19.99%
Annual Fee
$0
Fees & Interest
$415
Potential Savings
$1,257
23 months
19.99%
Coles
Balance Transfer Deal
0% for 6 months,then 19.99%
Annual Fee
$99
Fees & Interest
$664
Potential Savings
$1,008
24 months
19.99%
55 Day Platinum
Balance Transfer Deal
0% for 18 months,then 19.84%
Annual Fee
$90waived in first year
Fees & Interest
$105
Potential Savings
$1,567
Show more details
Vertigo Visa
Balance Transfer Deal
0% for 18 months,then 13.24% (2% handling fee)
Annual Fee
$55waived in first year
Fees & Interest
$146
Potential Savings
$1,525
Show more details
Low Rate Visa Card
Balance Transfer Deal
0% for 18 months,then 13.49% (2% handling fee)
Annual Fee
$59
Fees & Interest
$212
Potential Savings
$1,460
Show more details
Essential Credit Card
Balance Transfer Deal
0% for 12 months,then 14.99% (3% handling fee)
Annual Fee
$0
Fees & Interest
$231
Potential Savings
$1,441
Show more details
Vertigo Platinum
Balance Transfer Deal
0% for 24 months,then 12.74% (2% handling fee)
Annual Fee
$99
Fees & Interest
$278
Potential Savings
$1,394
Show more details
Low Rate Platinum Mastercard
Balance Transfer Deal
0% for 6 months,then 12.99%
Annual Fee
$58
Fees & Interest
$386
Potential Savings
$1,286
Show more details
No Annual Fee Platinum Mastercard
Balance Transfer Deal
0% for 6 months,then 19.99%
Annual Fee
$0
Fees & Interest
$415
Potential Savings
$1,257
Show more details
Rewards Platinum Mastercard
Balance Transfer Deal
0% for 6 months,then 19.99%
Annual Fee
$99
Fees & Interest
$664
Potential Savings
$1,008
Show more details
Assumptions | Australian Credit License 316710.

*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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