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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

%
Product Name Card
Purchase Rate
Annual Fee
Potential Savings
Fees & Interest
Go To Site
AMEX
American Express Essential Credit Card

Extended warrantyPurchase protectionFree supplementary cards

Purchase Rate
14.99%
Annual Fee
$0
Potential Savings
$1,727
Fees & Interest
$97
Visa
Australian and New Zealand Banking Group First

Extended warrantyPurchase protectionFree supplementary cards

Purchase Rate
19.74%
Annual Fee
$30
Potential Savings
$1,720
Fees & Interest
$103
Visa
Bank of Melbourne No Annual Fee Visa

Free supplementary cards

Purchase Rate
20.49%
Annual Fee
$0
Potential Savings
$1,688
Fees & Interest
$135
Visa
St.George Bank No Annual Fee Visa

Free supplementary cards

Purchase Rate
20.49%
Annual Fee
$0
Potential Savings
$1,688
Fees & Interest
$135
Visa
BankSA No Annual Fee Visa

Free supplementary cards

Purchase Rate
20.49%
Annual Fee
$0
Potential Savings
$1,688
Fees & Interest
$135
AMEX
American Express Velocity Escape Card

Purchase protectionFree supplementary cards

Purchase Rate
20.74%
Annual Fee
$0
Potential Savings
$1,686
Fees & Interest
$137
AMEX
American Express Qantas Discovery Card

Purchase protectionFree supplementary cards

Purchase Rate
20.74%
Annual Fee
$0
Potential Savings
$1,686
Fees & Interest
$137
Visa
Bank of Melbourne Amplify Classic (Amplify Rewards)

Free supplementary cards

Purchase Rate
19.49%
Annual Fee
$79
Potential Savings
$1,647
Fees & Interest
$177
Visa
BankSA Amplify Classic (Amplify Rewards)

Free supplementary cards

Purchase Rate
19.49%
Annual Fee
$79
Potential Savings
$1,647
Fees & Interest
$177
Visa
Australian and New Zealand Banking Group Platinum

ConciergeExtended warrantyFree domestic travel insuranceFree international travel insurance

Purchase Rate
19.74%
Annual Fee
$87$0 if $ 20000 spent in a year
Potential Savings
$1,595
Fees & Interest
$228
Visa
HSBC Platinum Credit Card

ConciergeExtended warrantyFree domestic travel insuranceFree international travel insurance

Purchase Rate
19.99%
Annual Fee
$129$0 if $ 6000 spent in a year
Potential Savings
$1,565
Fees & Interest
$258
Visa
Virgin Money Low Rate Card

Purchase Rate
11.99%
Annual Fee
$49
Potential Savings
$1,564
Fees & Interest
$259
Visa
Virgin Money Virgin Australia Velocity Flyer Card - Points Offer

ConciergeSpecial eventsPrice guarantee

Purchase Rate
20.74%
Annual Fee
$129
Potential Savings
$1,539
Fees & Interest
$284
Visa
Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer & Points Offer

ConciergeSpecial eventsPrice guarantee

Purchase Rate
20.74%
Annual Fee
$129
Potential Savings
$1,539
Fees & Interest
$284
Visa
Citi Platinum (Bonus Rewards Offer)

ConciergeSpecial eventsExtended warrantyFree international travel insurance

Purchase Rate
20.99%
Annual Fee
$149
Potential Savings
$1,430
Fees & Interest
$393
MasterCard
Coles No Annual Fee Mastercard

Free supplementary cards

Purchase Rate
19.99%
Annual Fee
$0
Potential Savings
$1,409
Fees & Interest
$415
AMEX
American Express Platinum Edge Credit Card

Extended warrantyFree domestic travel insuranceFree international travel insuranceFree travel insurance days

Purchase Rate
20.74%
Annual Fee
$195
Potential Savings
$1,225
Fees & Interest
$598
Visa
NAB Rewards Classic Card

Extended warrantyFree domestic travel insuranceFree international travel insurancePrice guarantee

Purchase Rate
19.99%
Annual Fee
$95
Potential Savings
$1,120
Fees & Interest
$703
Visa
Virgin Money Virgin Australia Velocity Flyer Card - Purchase & Balance Transfer Offer

ConciergeSpecial eventsPrice guarantee

Purchase Rate
0% for 14 months then 20.74%
Annual Fee
$129
Potential Savings
$1,054
Fees & Interest
$769
Visa
NAB Rewards Platinum Card

ConciergeExtended warrantyFree domestic travel insuranceFree international travel insurance

Purchase Rate
19.99%
Annual Fee
$195
Potential Savings
$659
Fees & Interest
$1,164
Essential Credit Card
Essential Credit Card
Purchase Rate
14.99%
Annual Fee
$0
Potential Savings
$1,727
Fees & Interest
$97
First
First
Purchase Rate
19.74%
Annual Fee
$30
Potential Savings
$1,720
Fees & Interest
$103
No Annual Fee Visa
No Annual Fee Visa
Balance Transfer 0%p.a. for 12 months on balance transfers
Purchase Rate
20.49%
Annual Fee
$0
Potential Savings
$1,688
Fees & Interest
$135
No Annual Fee Visa
No Annual Fee Visa
Purchase Rate
20.49%
Annual Fee
$0
Potential Savings
$1,688
Fees & Interest
$135
No Annual Fee Visa
No Annual Fee Visa
Balance Transfer 0%p.a. for 12 months on balance transfers
Purchase Rate
20.49%
Annual Fee
$0
Potential Savings
$1,688
Fees & Interest
$135
Velocity Escape Card
Velocity Escape Card
Purchase Rate
20.74%
Annual Fee
$0
Potential Savings
$1,686
Fees & Interest
$137
Qantas Discovery Card
Qantas Discovery Card
Purchase Rate
20.74%
Annual Fee
$0
Potential Savings
$1,686
Fees & Interest
$137
Amplify Classic (Amplify Rewards)
Amplify Classic (Amplify Rewards)
Balance Transfer 0%p.a. for 18 months on balance transfers
Purchase Rate
19.49%
Annual Fee
$79
Potential Savings
$1,647
Fees & Interest
$177
Amplify Classic (Amplify Rewards)
Amplify Classic (Amplify Rewards)
Balance Transfer 0%p.a. for 18 months on balance transfers
Purchase Rate
19.49%
Annual Fee
$79
Potential Savings
$1,647
Fees & Interest
$177
Platinum
Platinum
Purchase Rate
19.74%
Annual Fee
$87$0 if $ 20000 spent in a year
Potential Savings
$1,595
Fees & Interest
$228
Platinum Credit Card
Platinum Credit Card
Balance Transfer 0% p.a. balance transfer for 22 months when you apply before 31/12/2017
Purchase Rate
19.99%
Annual Fee
$129$0 if $ 6000 spent in a year
Potential Savings
$1,565
Fees & Interest
$258
Low Rate Card
Low Rate Card
Purchase Rate
11.99%
Annual Fee
$49
Potential Savings
$1,564
Fees & Interest
$259
Virgin Australia Velocity Flyer Card - Points Offer
Virgin Australia Velocity Flyer Card - Points Offer
Bonus Points Earn 20000 Velocity points for each month you spend more than $1500 in the first 3 months (max 60000 points)
Purchase Rate
20.74%
Annual Fee
$129
Potential Savings
$1,539
Fees & Interest
$284
Virgin Australia Velocity Flyer Card - Balance Transfer & Points Offer
Virgin Australia Velocity Flyer Card - Balance Transfer & Points Offer
Balance TransferBonus Points 0% p.a. on balance transfer for 18 months.
Purchase Rate
20.74%
Annual Fee
$129
Potential Savings
$1,539
Fees & Interest
$284
Platinum (Bonus Rewards Offer)
Platinum (Bonus Rewards Offer)
Purchase Rate
20.99%
Annual Fee
$149
Potential Savings
$1,430
Fees & Interest
$393
No Annual Fee Mastercard
No Annual Fee Mastercard
Cashback Receive $100 off a single Coles supermarket shop - offer ends 31st December
Purchase Rate
19.99%
Annual Fee
$0
Potential Savings
$1,409
Fees & Interest
$415
Platinum Edge Credit Card
Platinum Edge Credit Card
Purchase Rate
20.74%
Annual Fee
$195
Potential Savings
$1,225
Fees & Interest
$598
Rewards Classic Card
Rewards Classic Card
Purchase Rate
19.99%
Annual Fee
$95
Potential Savings
$1,120
Fees & Interest
$703
Virgin Australia Velocity Flyer Card - Purchase & Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Purchase & Balance Transfer Offer
Purchase OffersBalance Transfer 0% pa for 14 months on purchases plus 0% pa for 6 months on balance transfers.
Purchase Rate
0% for 14 months then 20.74%
Annual Fee
$129
Potential Savings
$1,054
Fees & Interest
$769
Rewards Platinum Card
Rewards Platinum Card
Purchase Rate
19.99%
Annual Fee
$195
Potential Savings
$659
Fees & Interest
$1,164
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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