Compare credit cards with balance transfer offers
Average annual fee is $300
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| Credit card | Bonus points Earn rate Annual fee Estimated Qantas Points |
|---|
Enjoy up to five complimentary insurances
NAB Concierge Service
per $1 spent
based on
Uncapped Qantas Points earning potential
2 Qantas Lounge Invitations per year
per $1 spent
based on
4th Night on Us
Unlimited airport lounge access with Priority Pass™
per $1 spent
based on
Complimentary International Travel Insurance
per $1 spent
based on
0% p.a. Balance Transfer for 12 months
Additional cardholders for no extra fee
per $1 spent
based on
No international transaction fees
Complimentary International Travel Insurance
per $1 spent
based on
Uncapped Qantas Points earning potential
0% p.a. for 12 months on Balance Transfers, with a 2% Balance Transfer fee
per $1 spent
based on
No international transaction fees
Complimentary International Travel Insurance
per $1 spent
based on
Up to 55 days interest free period
Complimentary International Travel Insurance
per $1 spent
based on
Complimentary Travel Insurance
per $1 spent
based on
20% bonus Status Credits on Qantas flights
10% discounted base fare for Qantas flights
per $1 spent
based on
What is a balance transfer credit card?
A Qantas Points earning credit card with a balance transfer option enables you to transfer your existing credit card debt onto a card with a lower interest rate, for a specified timeframe. Some may even offer 0% interest for a period of time. Plus, you’ll have the added benefits of a Qantas Points earning credit card, such as earning points on any eligible additional spend.
How to apply for a credit card that earns you Qantas Points with a balance transfer offer
Once you’ve decided which card is right for you, the 'Apply' button will take you through to the relevant card issuer’s site. Each has their own set of eligibility requirements which will need to be met in order for your application to be successful.
How do I decide which balance transfer credit card is the right one for me?
- Check your current balance and interest rate.
- Pick a balance transfer card that fits your needs.
- Read the fine print and understand the terms and conditions.
- Apply and get approved by your financial institution for a balance transfer card.
- Contact your financial institution to do the balance transfer.
What is a balance transfer fee?
A balance transfer fee is a fee that's charged when you transfer credit card debt from one card to another. Use the table at the top of this page to compare Qantas Points earning credit cards with balance transfer options.
Do balance transfers affect my credit score?
Balance transfers can improve your credit score if the transfer makes it easier and faster to pay down your outstanding debt. However, it’s important to keep in mind that you will need to make payments on time in order to maintain a good credit score.
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What you need to know
You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions.
Except for Qantas-branded products, products referred to on this webpage are not Qantas products and not offered or issued by Qantas but by the relevant Australian Financial Services Licence (AFSL) or Australian Credit Licence (ACL) holders. The information about the relevant product has been provided by the relevant licensees and not Qantas. Qantas does not hold an AFSL or ACL and is not a licensee or authorised representative in relation to the activities being engaged in by the relevant licensee (except for Qantas-branded products).
The information on this webpage is factual and of a general nature only and does not consider your personal objectives, financial situation or particular needs.
Qantas is not recommending the products described on this webpage. We recommend that you obtain independent advice before you apply for any product which is described on this webpage. Qantas does not accept any liability for any loss arising from the use of, or reliance, on the information provided on this webpage.
Points are offered by the relevant program card partner and partner reward program and can only be earned on eligible purchases. Bonus points amounts offered are different for each credit card. Minimum spend criteria, terms and conditions, fees and charges may apply.
Are based on a fixed monthly spend each month for the period specified and will include the relevant card’s sign on bonus points, provided the monthly spend amount meets the minimum spend criteria.
Where 2nd year bonus points are offered and the specified time period selected is 2 years or more, these points will be included.
Include points capping and points tiers, if applicable.
- Major Restaurants, Cafes and Hotels (6%),
- Major Petrol outlets, Supermarkets and National retailers (16%)
- Utilities (3%)
- All other spend (75%)
Do not factor in bonus points available for first-time Qantas Points earning credit cardholders (excludes the Qantas Premier Platinum credit card where these bonus points are always available).
Do not include bonus points on balance transfers.
This tool has been prepared by Qantas and not the associated financial institution. Amounts are estimations only, to be used as a guide, and are not a guarantee of points you will earn. Refer to the full T&Cs for the relevant card to see what purchases are eligible for earning points, and to ascertain points earn rates, bonus points, fees and charges associated over the duration you hold the card.