Featured Balance Transfer Card: ANZ First Visa Credit Card

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• Rated: 3.5 out of 5
• Intro APR: 7.99% 6 months*
• Regular APR: 18.99%*
• Annual Fee: $0.00*
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- $0 Annual Account Fee for the first 12 months
- Introductory offer of 7.99% p.a. on balance transfers for the first 6 months
- Up to 44 days interest free credit on purchases
- Convenience of Visa acceptance at over 24 million locations worldwide
- Annual fee: $0 for 1st year, then $30 p.a.
- ANZ Falcon(TM) security with 24/7 monitoring of suspicious transactions
- Access to exclusive offers through Visa Entertainment

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This credit card from ANZ is a simple card for the consumer who wants a basic card on which to consolidate purchase transactions. Its prominent features are a low annual fee, intro period and competitive rates. Read more...

Balance transfers are ideal for individuals, for example, those having poor credit ratings looking to take advantage of improved credit and rates on competing credit cards. Card applicants have the opportunity to transfer balance from a current card to the one being applied for during the application process. Balance transfers incur a fixed transaction fee which is a percentage of the transaction involved. If the transfer goes through, the member is subject to incur interest rates sometimes higher than interest charged on purchases. A number of credit cards offering an introductory APR period may include balance transfers so you wouldn't incur interest on these transactions. The following credit cards have a balance transfer feature so you don't have to carry more credit cards than you need. Balance transfers listed below are reserved for the Australian market.