RateCity.com.au
Advertisement

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
$1,719
21 months
19.84%
American Express
Balance Transfer Deal
0% for 12 months,then 20.74% (1% handling fee)
Annual Fee
$0
Fees & Interest
$184
Potential Savings
$1,640
21 months
20.74%
ANZ
Balance Transfer Deal
0% for 16 months,then 21.49% (2% handling fee)
Annual Fee
$30
Fees & Interest
$191
Potential Savings
$1,633
21 months
19.74%
NAB
Balance Transfer Deal
0% for 16 months,then 21.74% (2% handling fee)
Annual Fee
$30
Fees & Interest
$191
Potential Savings
$1,632
21 months
19.74%
Virgin Money
Balance Transfer Deal
0% for 14 months,then 21.69%
Annual Fee
$49
Fees & Interest
$193
Potential Savings
$1,630
21 months
11.99%
St.George Bank
Balance Transfer Deal
0% for 18 months,then 21.49% (2% handling fee)
Annual Fee
$55
Fees & Interest
$212
Potential Savings
$1,612
22 months
13.24%
ANZ
Balance Transfer Deal
0% for 16 months,then 21.49% (2% handling fee)
Annual Fee
$87waived in first year
Fees & Interest
$221
Potential Savings
$1,603
22 months
19.74%
American Express
Balance Transfer Deal
0% for 12 months,then 14.99% (3% handling fee)
Annual Fee
$0
Fees & Interest
$231
Potential Savings
$1,592
22 months
14.99%
NAB
Balance Transfer Deal
0% for 16 months,then 21.74% (2% handling fee)
Annual Fee
$59
Fees & Interest
$256
Potential Savings
$1,568
22 months
13.99%
St.George Bank
Balance Transfer Deal
0% for 18 months,then 20.24% (2% handling fee)
Annual Fee
$79
Fees & Interest
$262
Potential Savings
$1,562
22 months
19.49%
HSBC
Balance Transfer Deal
0% for 22 months,then 21.99% (2% handling fee)
Annual Fee
$99$0 if $ 6000.0 spent in a year
Fees & Interest
$278
Potential Savings
$1,545
22 months
19.99%
Virgin Money
Balance Transfer Deal
0% for 18 months,then 20.99%
Annual Fee
$129
Fees & Interest
$284
Potential Savings
$1,539
22 months
0% for 12 month then 20.74%
Suncorp Bank
Balance Transfer Deal
0% for 18 months,then 21.99%
Annual Fee
$129
Fees & Interest
$285
Potential Savings
$1,538
22 months
20.74%
NAB
Balance Transfer Deal
0% for 16 months,then 21.74% (2% handling fee)
Annual Fee
$100
Fees & Interest
$347
Potential Savings
$1,476
22 months
13.99%
Coles
Balance Transfer Deal
0% for 6 months,then 19.99%
Annual Fee
$99
Fees & Interest
$664
Potential Savings
$1,160
24 months
19.99%
NAB
Balance Transfer Deal
0% for 6 months,then 21.74%
Annual Fee
$95
Fees & Interest
$703
Potential Savings
$1,120
24 months
19.99%
NAB
Balance Transfer Deal
0% for 6 months,then 21.74%
Annual Fee
$95
Fees & Interest
$703
Potential Savings
$1,120
24 months
19.99%
NAB
Balance Transfer Deal
0% for 6 months,then 21.74%
Annual Fee
$95
Fees & Interest
$703
Potential Savings
$1,120
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
$1,719
Show more details
Qantas Discovery Card
Balance Transfer Deal
0% for 12 months,then 20.74% (1% handling fee)
Annual Fee
$0
Fees & Interest
$184
Potential Savings
$1,640
Show more details
First
Balance Transfer Deal
0% for 16 months,then 21.49% (2% handling fee)
Annual Fee
$30
Fees & Interest
$191
Potential Savings
$1,633
Show more details
Low Fee Visa Card
Balance Transfer Deal
0% for 16 months,then 21.74% (2% handling fee)
Annual Fee
$30
Fees & Interest
$191
Potential Savings
$1,632
Show more details
Low Rate Card
Balance Transfer Deal
0% for 14 months,then 21.69%
Annual Fee
$49
Fees & Interest
$193
Potential Savings
$1,630
Show more details
Vertigo Visa
Balance Transfer Deal
0% for 18 months,then 21.49% (2% handling fee)
Annual Fee
$55
Fees & Interest
$212
Potential Savings
$1,612
Show more details
Platinum
Balance Transfer Deal
0% for 16 months,then 21.49% (2% handling fee)
Annual Fee
$87waived in first year
Fees & Interest
$221
Potential Savings
$1,603
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
$1,592
Show more details
Low Rate Card
Balance Transfer Deal
0% for 16 months,then 21.74% (2% handling fee)
Annual Fee
$59
Fees & Interest
$256
Potential Savings
$1,568
Show more details
Amplify Classic
Balance Transfer Deal
0% for 18 months,then 20.24% (2% handling fee)
Annual Fee
$79
Fees & Interest
$262
Potential Savings
$1,562
Show more details
Platinum Credit Card
Balance Transfer Deal
0% for 22 months,then 21.99% (2% handling fee)
Annual Fee
$99$0 if $ 6000.0 spent in a year
Fees & Interest
$278
Potential Savings
$1,545
Show more details
Virgin Aust Velocity Flyer Card
Balance Transfer Deal
0% for 18 months,then 20.99%
Annual Fee
$129
Fees & Interest
$284
Potential Savings
$1,539
Show more details
Clear Options Platinum Card
Balance Transfer Deal
0% for 18 months,then 21.99%
Annual Fee
$129
Fees & Interest
$285
Potential Savings
$1,538
Show more details
Low Rate Platinum Card
Balance Transfer Deal
0% for 16 months,then 21.74% (2% handling fee)
Annual Fee
$100
Fees & Interest
$347
Potential Savings
$1,476
Show more details
Rewards Platinum Mastercard
Balance Transfer Deal
0% for 6 months,then 19.99%
Annual Fee
$99
Fees & Interest
$664
Potential Savings
$1,160
Show more details
Rewards Classic Card
Balance Transfer Deal
0% for 6 months,then 21.74%
Annual Fee
$95
Fees & Interest
$703
Potential Savings
$1,120
Show more details
flybuys Rewards Card
Balance Transfer Deal
0% for 6 months,then 21.74%
Annual Fee
$95
Fees & Interest
$703
Potential Savings
$1,120
Show more details
Velocity Rewards Card
Balance Transfer Deal
0% for 6 months,then 21.74%
Annual Fee
$95
Fees & Interest
$703
Potential Savings
$1,120
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.

Compare your product with the big 4 banks, or add more products to compare