Australian Visa Balance Transfer Credit Cards – An Overview
Are you in the market for Visa balance transfer credit cards but don’t exactly know what is around? Welcome to our overview of Visa balance transfer credit cards and their individual features.
In this article you will learn what issuers will give you with your chosen balance transfer card. By having this comprehensive overview on the one page it becomes much easier to select the right card for your needs.
A Comprehensive Overview of Visa Balance Transfer Credit Cards:
The following Visa cards are on offer as balance transfer cards. We have listed each one with some information on its features and costs to give you an idea where to start looking closer.
1. Citibank Platinum Visa: The Citibank Platinum Visa is one of the best platinum credit cards. You can pay just 4.9% p.a. on balance transfers for life. Afterwards the rate will revert to the standard APR which currently is 20.99% p.a. The card comes with a 55 days interest free days feature and will set you back $49 (First Year, Save $50) per year in card fees.
2. ANZ Balance Visa: The ANZ Balance Visa is another zero percent credit card with a six months term. Once the term has matured you will pay 13.74% p.a. interest for purchases and a cost of $79 per year for the card. The ANZ Balance Visa also comes with an up to 55 days interest free feature on purchases.
3. Citibank Silver Visa: The Citibank Silver Visa offers a 2.9% p.a. for 12 months balance transfer rate. A low annual card fee of $89 assures you don’t pay through the nose for the privilege of using this card. once the 12 months are over the card will revert to a relatively high interest rate of 20.49% p.a. You also get up to 55 days interest free days on purchases.
4. Citibank Gold Card: The Citibank Gold Card can be had either as a Visa or a MasterCard. Enjoy a low 2.9% p.a. balance transfer rate for 12 months. once the term has matured you pay 20.49% p.a. interest on purchases. The card costs $149 per year in fees.
5. Citibank Platinum Card: The Citibank Platinum Card will give you a low rate for life! With a 4.90% p.a. balance transfer rate for life you can enjoy the convenience of using low balance transfers for the life of suing the card. You need to show proof of a good credit history and have a high annual income to take advantage of this card. The annual card fee is therefore quite steep at $250. You’ll also get a up to 55 days free interest deal on purchases.
By now you should see at once which of the above Visa balance transfer credit cards are the best choice for you.
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Compare Australia's Best Zero Credit Card Offers
St.George Vertigo MasterCard
The St.George Vertigo MasterCard is the ideal low rate shopping card. Save with an amazing introductory offer on both purchases and balance transfers for the first 6 months. Also enjoy instant discounts and added extras with the St.George Instant Benefits Program
- $55 annual fee
- 12.49% p.a. on purchases
- 2.99% p.a. for 6 months on balance transfers
- Cash Advance Rate of 21.24%
- Comes with free secure online shopping service
Click here to read the St George Vertigo terms and conditions
Compared below are a handful of the best credit cards with a 0% balance transfer offer or a $0 annual fee. Enjoy the best rates and fees on your credit cards - zero!
| Credit Card | Card Details | Interest Rate (p.a.) | Cash Advance Rate fee (p.a.) | Balance Transfer Rate (p.a.) | Annual fee | Interest free days (up to) | |
|---|---|---|---|---|---|---|---|
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Best Zero Percent Credit Card ANZ offer one of the lowest rates on the market at 13.24% p.a, along with ANZ Falcon security and a 0% p.a.balance transfer offer. |
13.24% | 21.49% | 0% p.a. for 6 months | $58 | 55 |
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Take advantage of a card with the prestige and status of Platinum but with a low interest rate of 11.49% p.a. Enjoy Citibank World Privileges, offering entertainment & retail discounts worldwide. |
11.49% | 21.24% | 0% p.a. for 6 months | $49 first year (Save $50) | 55 |
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Featuring 1.9% p.a. for 12 months on balance transfers a low ongoing 12.24% on purchases and a $39 annual fee. |
12.24% | 17.99% | 1.9% p.a. for 12 months | $39 | 55 | 
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No annual fee ever. Up to three complimentary cardholders for free. 5.99% p.a. for 12 months on balance transfers Click here to see this card at BankWest.com.au |
16.99% | 16.99% | 5.99% p.a. for 12 months | $0 | 55 |
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Best Zero Annual Fee Card Enjoy a generous rewards program and up to 44 days interest free on purchases at no annual fee, ever. You have the flexibility to opt in for a $80 annual fee if you wish to double your reward points. |
20.49% | 20% | - | $0 | 44 |
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The Vertigo MasterCard is one of Australia's most competitive low rate cards. Comes with St George Instant Benefits which offers discounts on selected retail and entertainment. |
12.49% | 21.24% | 2.99% p.a. for 6 months | $55 | 55 |
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