Long Term Balance Transfer Credit Cards

Updated: 27 Nov, 2023

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
Fee Free MasterCard Credit Card	Comes with a low rate of just 12.90% p.a. plus 0% balance transfer for the first 6 months and then 5.95% p.a. for the life of the balance transferred	12.90% p.a.	0% for 6 months. 5.95% for life of balance tran...	19.95% p.a.	$0.00	55 days More Info » Apply Now »
Westpac Hotpoints MasterCard Credit Card	Earn 1 hotpoint for every $1 spent on your card up to (and including) $3,500 then 0.5 hotpoints for every $1 spent on your card each month	20.95% p.a.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$40.00	55 days More Info » Apply Now »
Westpac Hotpoints Platinum MasterCard Credit Card	Earn 1.5 hotpoints for every $1 spent on your card up to (and including) $7,000 then 1 hotpoint for every $1 spent on your card each month	20.95% p.a.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$70.00	55 days More Info » Apply Now »
Westpac Hotpoints World MasterCard Credit Card	Earn 2 hotpoints for every $1 spent on your card up to (and including) $15,000 then 1 hotpoint for every $1 spent on your card each month. Plus Priority Pass lounge access to over 1,300 airport lounges around the world and overseas travel insurance for up to 120 days per round trip.	16.95% p.a.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$285.00	44 days More Info » Apply Now »
Westpac Airpoints MasterCard Credit Card	Earn 1 Airpoints Dollar for every $150 spent on the card plus 0% on balance transfer for 6 months then 5.95% p.a. for the life of the balance transferred	20.95% p.a.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$70.00	55 days More Info » Apply Now »
Westpac Airpoints Platinum MasterCard Credit Card	Earn 1 Airpoints Dollar for every $110 spent on your card up to (and including) $7,000 then 1 Airpoints Dollar for every $220 spent on your card each month plus get 0% on balance transferred for 6 months then 5.95% for the life of the balance transferred	20.95% p.a.	0% for 6 months then 5.95% for life of balance transferred	22.95% p.a.	$125.00	44 days More Info » Apply Now »
Westpac Airpoints World MasterCard Credit Card	This card is a touch of everything including Airpoints, a relatively low interest rate of 16.95% and a balance transfer offer of 0% for 6 months then 5.95% for life of balance transferred	16.95%	0% for 6 months then 5.95% for life of balance transferred	22.95%	$310.00	44 days More Info » Apply Now »
Co-operative Bank Fair Rate Credit Card	The Fair Rate Credit Card has a very low purchase rate of 12.95% p.a. plus a balance transfer rate of 0% p.a. for 6 month. This might be a good card if you are looking for a credit card with a low interest rate and/or a card with a 0% p.a. balance transfer offer.	12.95% p.a.	0% p.a. for 6 months	12.95% p.a.	$20.00	55 days More Info » Apply Now »
ANZ Low Rate Visa Card	Features a low interest rate of 12.90% and a balance transfer rate of 1.99% for 24 months	12.90% p.a.	1.99% p.a. for 24 months	19.95% p.a.	$0.00	55 days More Info » Apply Now »

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About Long Term Balance Transfer Credit Cards

Long term balance transfer credit cards are credit cards with balance transfer of a minimum of 12 months. Some long term balance transfer credit cards can have balance transfers of up to 24 months.