Are you being dragged by how slow you are able to pay your credit card balances? The ANZ Platinum Credit Card helps you fast track your debt payments with a low rate balance transfer deal.
- 0% p.a. for 6 months (reverts to 19.24%p.a.) on purchases
- 0% p.a. for 6 months on balance transfers
- $0 annual fee for the first year( $87 thereafter) annual fee
- 20.99% p.a. on cash advances
A low balance transfer credit card is a good credit card for those that have acquired a large debt on their existing credit cards. Find out the best six month introductory rate cards we recommend by reading this article.
There are a variety of different cards available for balance transfers, but a low balance transfer card is your best choice if you want to pay off your debts fast. You will not have to pay a high interest rate while you are working to get it under control, which lets you make faster progress.
Best low rate Balance Transfer Credit Cards:
| Interest Rate (p.a.) | Balance Transfer Rate (p.a.) | Annual Fee | Cash Advance Rate (p.a.) | |||
|---|---|---|---|---|---|---|
 ANZ Platinum Credit Card |
A low interest rate offer on both balance transfers and purchases with a $0 annual fee for the first year. | 0% for 6 months (reverts to 19.24%) | 0% for 6 months | $0 annual fee for the first year( $87 thereafter) | 20.99% |   |
 HSBC Credit Card |
A no annual fee card from HSBC with a low rate balance transfer offer. | 17.99% | 0% for 6 months with 2% handling fee | $0 | 21.99% | |
 Westpac Low Rate Card |
Featuring one of Australia’s lowest ongoing rates on balance transfers and and purchases with a low annual fee | 0% for 6 months (reverts to 13.49%) | 0% for 6 months | $45 | 21.49% | |
 Citibank BP Credit Card |
One of the market’s leading low rate options with an exclusive Cashback offer. | 20.89% | 0% for 6 months | $89 | 21.39% | |
 HSBC Platinum Credit Card |
Save with a low balance transfer offer and a low annual fee | 19.99% | 0% for 6 months with 2% handling fee | $129 | 21.99% | |
 ANZ Low Rate MasterCard – Balance Transfer |
Offering a low balance transfer and on-going purchase rate with a low annual fee. | 0% for 3 months (reverts to 13.24%) | 0% for 3 months | $58 | 21.49% | |
 St George Vertigo |
Take advantage of this great low interest rate on purchases and balance transfers offer from StGeorge. | 13.24% | 0.99% for 12 months | $55 | 21.49% | |
 Bank of Melbourne Vertigo Credit Card |
A great balance transfer offer with a low ongoing purchase rate and a low annual fee. | 13.24% | 0.99% for 12 months | $55 | 21.49% | |
 Citibank Clear Platinum Card |
Competitive interest rate on purchases and balance transfers offer. | 11.99% | 2.9% for 12 months | $99 | 21.74% | |
Balance transfer credit card:
When you are comparing the features on a balance transfer credit card to another, what it is all going to boil down to is which card you would like to own after the offer on the transfer balance has expired.
This may be based on the annual fee of the balance transfer credit card or which provider you can trust the most and would like to remain with.
Here are some 0% or low rate credit cards for balance transfers that we recommend:
ANZ Low Rate MasterCard features
If you want a low interest rate on purchases then this should be your card of choice.
- Annual fee a low $58.
- 0% p.a. for 3 months (reverts to 13.24%p.a.) p.a. on purchases.
- Purchases receive up to 55 days interest-free.
- Exclusive tickets to sporting events, musicals, dance and theater with MasterCard Applause.
Another balance transfer credit card to consider is the HSBC Credit Card.
- Annual fee is $0 for as long as you have the credit card.
- 0% p.a. for 6 months p.a. on transfer balances.
- 17.99% p.a. interest on purchases.
- 21.99% p.a. interest rate for cash advances.
- Up to 55 days interest-free for purchases.
Citibank Clear Platinum Visa Card features
This balance transfer credit card is ideal for people that would like to have a platinum card after the promotional period has expired. This card includes Citibank Instant Benefits and insurance for international travel.
- 2.9% p.a. for 12 months interest rate for balance transfers.
- 11.99% p.a. rate of interest on purchases.
- 21.74% p.a. interest rate for cash advances.
- Low annual fee of $99.
- Up to 55 days interest free on purchases.
If you’re looking for the best balance transfer credit card you can get then you should consider the ones listed above. Not only do they offer great interest rates for transfers, but the added features make them much better than others.
Posted on Thursday, April 29th, 2010 at 10:33 am
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