qantas travel money card not working

Qantas Premier Credit Card

Who is the credit provider and issuer of Qantas Premier credit cards?

Why choose a Qantas Premier credit card?

How long does the application process take?

Can I transfer a balance from another credit card?

Who can apply for a Qantas Premier credit card?

Can I add an additional cardholder?

What’s the difference between the Qantas Premier Everyday, the Qantas Premier Platinum and the Qantas Premier Titanium card?

Can I have a Qantas Premier Platinum, Qantas Premier Titanium and Qantas Premier Everyday card?

How do I apply for a Qantas Premier credit card?

How do I remove an additional cardholder from my account?

How do I reduce the size of an image I need to upload?

Change my product

Can I still spend on my current credit card whilst my new one arrives?

Am I eligible for any sign up bonus Qantas Points when changing Qantas Premier credit cards?

What happens to any additional cardholders that are currently on my credit card?

How long will it take for a change of Qantas Premier credit card to be processed?

What will happen to any periodic payments I have set up on my card?

What will happen to the annual fees when my product change is approved?

What happens to the benefits on my card?

How can I change my Qantas Premier credit card account?

What happens to the statements from my old credit card?

Features and rewards

What travel insurance cover is included with my card?

What is ‘Get away interest free for 6 months’?

When will I receive my Lounge Invitations?

How many Qantas Premier Titanium flights discounts do I get a year?

Where can I use my Qantas Premier credit card?

Do bonus Status Credits expire?

How can I book a flight to earn bonus Status Credits?

How do I link my Lounge Invitations to a flight?

How many Qantas Points will I earn on purchases?

When will I receive my bonus Qantas Points?

What services are provided by the Qantas Premier Concierge?

How can I view the bonus Status Credits I’ve earned on my account?

Is there an interest-free period on my account?

What extended level of coverage does my Qantas Premier Titanium credit card provide?

If I cancel my booking, am I eligible for another Qantas Premier Titanium flight discount this year?

How do I make a travel insurance claim?

How can I use my Qantas Premier Titanium metal card for contactless payments?

What flights are eligible to earn bonus Status Credits?

Can I earn bonus Status Credits on Classic Reward bookings?

Which transactions will earn Qantas Points?

Can I use Points Plus Pay to book my flights and earn bonus Status Credits?

Do bonus Status Credits count towards Lifetime Membership tiers?

How long are my Lounge Invitations active for?

How do I claim any missing bonus Status Credits?

Can bonus Status Credit help me acquire or maintain Platinum One membership status?

How can I change my booking made using my Qantas Premier Titanium flight discount?

How do I order from Qantas Wine?

How do I sign up for my complimentary Qantas Wine Premium Membership from my Qantas Premier Titanium credit card?

How do I book discounted companion fares?

Can I book a multi-city flight using my Qantas Premier Titanium flight discount?

Where can I redeem my Lounge Invitations?

Can I share my Lounge Invitations with a person I’m travelling with?

How do I book a flight with my Qantas Premier Titanium flight discount?

My flight was cancelled, and I was moved to another flight, how do I claim my missing bonus Status Credits?

Complimentary Travel Insurance

Personal Baggage, Valuables, Money and Travel Documents

Trip Cancellation and Amendment

Pre-existing Medical Conditions

Other Questions

Eligibility for Cover under the policy

Overseas Medical Expenses

Rates and fees

What interest rates apply?

What fees apply and when are they charged?

Balance Transfers

How can I get the most out of my Balance Transfer?

If I have Balance Transfers at different rates, which one does my credit card payments get applied to first?

What is a Balance Transfer?

What are the benefits of closing my other credit cards after a Balance Transfer?

How does a Balance Transfer work?

How does a Balance Transfer affect the interest charged on my account?

Managing your account

How do I report suspicious transactions?

How do I activate my card?

How can I pay bills with my card?

How do I decrease my credit limit?

How do I increase my credit limit?

How can I unsubscribe from marketing emails?

What should I do if my card is lost or stolen?

Why do I need to enter a password to access certain features?

How are my monthly repayments calculated?

How can I withdraw cash from my account?

Can I choose my own card PIN?

What format is the transactions file in?

How can I pay my credit card bill?

Where can I find my statements?

How can I manage my Qantas Premier account?

Will my replacement card have the same card number and PIN number?

How do I close my account?

How do I update my address or personal details?

How far back can I download my transactions?

How do I download my transactions?

How do I dispute a charge on my Premier credit card?

How are payments allocated if I have additional cardholders?

Cancelling a recurring payment

What is Apple Pay?

How does the Apple Pay experience compare to using my plastic card?

Which Qantas Premier products can be used with Apple Pay?

What do I need before I can start using Apple Pay?

Which devices are compatible with Apple Pay?

How do I set up my Qantas Premier card on Apple Pay?

How do I set my Qantas Premier card as the default card in Apple Pay?

Can I add the same card to more than one device using Apple Pay?

How do I remove my card from Apple Pay?

The card image I see in Apple Pay does not match my physical card. Is there an issue with my Apple Pay set up?

Can I add more than one card on Apple Pay?

Where can I use Apple Pay?

How do I make an in-store purchase with Apple Pay?

Do I need to have an active internet connection for Apple Pay to work?

Will I need to enter my card PIN?

Why was my request to add my card to Apple Pay declined?

How much of my credit card available limit can I access when using Apple Pay?

How can I reverse a transaction made using Apple Pay?

How do I return a purchase if I used Apple Pay to make the payment?

How can I keep track of purchases I’ve made with Apple Pay?

How do I dispute a purchase made with Apple Pay?

Can I use Apple Pay overseas?

Can I use Apple Pay at ATMs?

Is Apple Pay secure?

What is a Device Account Number?

What should I do if my device is lost or stolen?

Does Apple Pay have access to my credit card account?

If my device is formatted or jailbroken, will my Apple Pay information remain on it?

Will I continue to enjoy the features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Apple Pay?

What should I do if I lose my card and I’m issued a replacement card?

What should I do if my card expires and I’m issued a renewed card?

Can I continue to use my physical card if I disable Apple Pay or remove my digital card from Apple Pay?

If I switch devices, do I need to set up my card in Apple Pay all over again?

If my device is formatted or jailbroken, will my Google Pay information remain on it?

What is Google Pay and Google Wallet?

Can I use Google Pay overseas?

Can I add more than one card to Google Wallet?

How do I make a purchase using my Qantas Premier Card in apps and websites?

How much of my credit card available limit can I access when using Google Pay?

How do I return a purchase if I used Google Pay to make the payment?

Can Additional Cardholders add their cards to Google Wallet?

Will I need to enter my card PIN with Google Pay?

How can I keep track of purchases I’ve made with Google Pay?

Can I add the same card to more than one device?

How do I remove my card from Google Wallet?

How do I make a purchase using my Qantas Premier card in-store?

Can I continue to use my physical card if I disable Google Pay or remove my digital card from Google Pay?

If I switch devices, do I need to set up my card in Google Pay again?

How do I reverse or dispute a Google Pay transaction?

Will I continue to enjoy the same features and benefits of my Qantas Premier credit card, including points earn, when I use it for payment with Google Pay?

Do I need to have an active internet connection for Google Pay to work?

Does Google Wallet or Google Pay have access to my credit card account?

What happens if there are fraudulent transactions made using Google Pay?

What should I do if I lose my card, or my card expires and I'm issued a replacement card?

What happens if my device is lost or stolen?

Why was my request to add my card to Google Wallet declined?

Whom can I talk to for further help with Google Pay?

Which Qantas Premier credit cards can be used with Google Pay?

How do I set my Qantas Premier Card as the default card in Google Wallet?

Where can I use Google Pay?

How do I set up Google Pay and add my Qantas Premier card?

Are Google Wallet and Google Pay secure?

Which devices are compatible with Google Pay?

Instalment Plans

Can I change the term of my Instalment Plan?

How will my repayments be applied to my card?

Can I have more than one Instalment Plan?

How do I make the monthly instalment repayment?

Who can create an Instalment Plan on my card?

Does an Instalment Plan earn Qantas Points?

What happens if I return a purchase that was converted into a Statement Instalment Plan?

How do instalment plan(s) appear on my statement?

How can I track my instalment plan?

Can I pay more than my monthly instalment amount?

Why am I not eligible for a Cash Instalment Plan?

Is the instalment plan amount part of my existing credit limit?

When will I be charged my first monthly instalment?

Can I pay off my instalment plan early?

Will I be able to set up a Statement Instalment Plan if I have a direct debit set up?

What is a Statement Instalment Plan?

Will an instalment plan affect my interest-free days on my purchases?

Is there a fee to set up an instalment plan?

What happens if I miss paying the initial interest charge or monthly instalment repayment by the Payment Due Date?

Open Banking

What is Open Banking?

What information can be shared with Accredited Data Recipients (ADRs)?

How does data sharing work?

Can any institution request access to my data?

Where can I find out more about the Consumer Data Right legislation?

Financial difficulty

What if I’m finding it hard to meet my Qantas Premier credit card repayments?

Loss of a loved one

How can I tell which emails are genuine?

What do I do if I receive a suspicious phone call?

How does Qantas Money protect my Qantas Premier account?

How does Qantas Money protect my financial data?

How can I protect myself online?

What are some scams I need to be aware of?

Customer Support and Complaints

Accessibility and Disability Support - Qantas Premier credit card

Managing your cash flow during COVID-19

Family and Domestic Violence

Coronavirus update

How do I lodge a complaint relating to my Qantas Premier Credit Card?

Qantas Travel Money Card

Changes to Qantas Travel Money

Why is Qantas Travel Money changing to Qantas Pay?

Does my existing Qantas Travel Money card still work?

How do I join and get a Qantas Pay card?

How do I access my Qantas Travel Money account after 21 May?

Will I still earn points with Qantas Pay?

Can I use my Qantas Travel Money card as my Qantas Frequent Flyer membership card?

Can I activate my Qantas Travel Money replacement card after 21 May?

Can I activate my Qantas Travel Money card for the first time

What is changing for the Qantas Frequent Flyer membership card?

How can I access my Qantas Frequent Flyer number?

How can I access and set my Qantas Pay card PIN?

Does Qantas Pay have a digital card?

What fees apply to Qantas Pay?

Can I schedule recurring currency loads from my nominated bank?

General information

Which currencies are available on Qantas Travel Money?

What is the Qantas Card and Qantas Travel Money all about?

Who's eligible for Qantas Travel Money?

Is Qantas Travel Money a credit card or a debit card?

Why does the Qantas Card have two sides?

Does this mean that Qantas is now also a bank?

What are the benefits of Qantas Travel Money?

Apply and activate

How do I apply for and activate Qantas Travel Money?

How do I enable the travel money facility on my Qantas Card?

How do I get the Qantas Card and Qantas Travel Money?

If I select to be verified against Illion (formerly Dun & Bradstreet) records will a credit check be conducted?

How do I use Qantas Travel Money?

What if the details on the Qantas Travel Money identity verification form are incorrect?

What if I don't want to use Qantas Travel Money?

I’ve forgotten my Qantas Travel Money card PIN, how do I retrieve it?

What if my PIN is blocked at an ATM or in-store?

How do I get my card PIN?

Is my card PIN different to my Qantas Frequent Flyer PIN?

How do I change my PIN?

Rates, fees and limits

What exchange rate applies to Qantas Travel Money?

What fees apply to Qantas Travel Money?

What limits apply to Qantas Travel Money?

Do fees apply if I don’t have the local currency on my card?

What happens if I make a purchase in a foreign currency and I don’t have enough money in that currency on my card?

Can I arrange a back-up or secondary card?

How do I cash out remaining funds on the Qantas Travel Money card?

How do I transfer between currencies on the Qantas Travel Money card?

What is a pre-authorisation?

Does the card come with Mastercard Contactless?

Do I get a line of credit or overdraft with Qantas Travel Money?

I am a Qantas Club member and have a Qantas Club card. Do I need both cards?

How do I update my local time and time zone?

When to use

Where can I use Qantas Travel Money?

Can I use Qantas Travel Money if the local currency isn’t available?

Can Qantas Travel Money be used for Qantas in-flight duty free purchases?

Can I use Qantas Travel Money to pay for flights at qantas.com?

Using overseas

Is there anything I need to do before I go overseas?

Do I press Cheque, Savings or Credit when I make a purchase or withdraw cash using Qantas Travel Money?

Can I view my Qantas Travel Money balances at overseas ATMs?

What should I do with my card when I return from overseas?

What will happen if the local currency isn’t available to load on Qantas Travel Money?

I’d like to use Qantas Travel Money in the United States - will my card be accepted?

Should I pay in Australian dollars instead of the local currency when I’m overseas?

Are there any countries where the Qantas Travel Money Card won’t work?

Transactions

Why has a transaction declined when I have enough funds on the card to complete the purchase?

Why would an online transaction be declined if I have enough money to complete the purchase on the card?

Contact Information

Accessibility and Disability Support - Qantas Travel Money

What should I do if my card is lost, stolen or damaged?

How do I lodge a complaint relating to my Qantas Travel Money Card?

Qantas Money App

Understanding your PINs and Passwords

Can I use my fingerprint to log in?

The app doesn’t recognise my fingerprint

What if I’ve forgotten my passcode?

How do I log out?

Managing your finances

Why use the Qantas Money app?

Connecting accounts

How do I delete an account?

What does ‘pending’ mean?

I can’t see my transactions

I can’t find my bank in the list

Can I transfer money using the app?

Is it OK to enter my online banking login details?

How do I add a new account with a connected financial institution?

What type of accounts can I connect?

Why is the transaction date different to the date I made the transaction?

When are my balances and transactions updated?

Transaction categories

How are my transactions categorised?

What happens to my categories if I delete an account?

Are my categories applied to past transactions?

Notifications

What are notifications?

What kind of notifications can I set up?

How do I receive notifications?

Is there a cost for receiving notifications?

How do I set up notifications?

Can I delete or change my notifications?

Will I receive notifications if I’m not connected to the internet (e.g. Wi-Fi, 4G, etc)?

Can I view notifications I’ve previously received?

Why do I need to turn on my App Notifications settings?

Why can I see a notification in my notification history that I didn’t receive?

I’ve received a notification, but can’t see it in my history?

Can I set my own Travel Money low balance alert amount?

Why can’t I find notifications in the app?

How can I make sure that I get access to all available notifications?

What happens when new types of notifications become available?

Contact details

How do I update my contact details?

What if I notice a suspicious transaction?

Qantas Points

Missing Qantas Points?

How can I use my Qantas Points?

How do I view my Qantas Points balance?

Card Offers

Card Linking

Can I link an additional card to Card Offers?

Can I use any card that I have added to my Qantas Money App for Card offers?

Can I link another card in addition to my Qantas Premier Card?

Can I link and earn points with a debit Mastercard® or Visa® card?

Why can't I see my Card Offers on the Qantas Money website?

Why am I not receiving any/many offers?

How long will my offers be valid for?

What are the terms and conditions of the offers?

Why am I receiving offers that don't seem well matched to me?

Can I share an offer with my partner/friend etc?

Why did my friend get an offer for a specific store and I did not?

Are offers applicable to both purchases in-store and online?

What retailers are included in the program?

Earning bonus Qantas Points

Why does it take up to 15 days to receive my points?

How can I check if I have successfully earned points on an offer?

Missing Points

How do I follow up on missing points from Card Offers?

What if I forget to use my linked card, can I still earn the points?

How can I opt out of Card Offers?

All Categories ​>​ ​Qantas Travel Money Card

General information regarding your Qantas Travel Money card.

Applying for Qantas Travel Money

Information about your Travel Money Card PIN

Information regarding rates, fees and limits for Qantas Travel Money.

Information in relation to managing your Qantas Travel Money account.

Information to let you know when to use your Qantas Travel Money card.

Information on how to use your Travel Money card overseas.

Information relating to making transactions on your Qantas Travel Money card.

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Help and Support

Technical issues on the qantas website, 16/04/2021 • knowledge, information.

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Qantas agrees to pay $79 million in compensation and a fine for selling seats on canceled flights

FILE - A Qantas Boeing 737 passenger plane takes off from Sydney Airport, Australia, on Sept. 5, 2022. Qantas Airways agreed to pay 120 million Australian dollars ($79 million) in compensation and fines for selling tickets on thousands of cancelled flights, the airline and Australia’s consumer watchdog said on Monday, May 6, 2024. (AP Photo/Mark Baker, File)

FILE - A Qantas jet arrives at Melbourne’s Tullamarine Airport in Melbourne, Australia, Dec. 12, 2023. Qantas Airways agreed to pay 120 million Australian dollars ($79 million) in compensation and fines for selling tickets on thousands of cancelled flights, the airline and Australia’s consumer watchdog said on Monday, May 6, 2024. (AP Photo/Mark Baker, File)

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CANBERRA, Australia (AP) — Qantas Airways agreed to pay 120 million Australian dollars ($79 million) in compensation and a fine for selling tickets on thousands of cancelled flights , the airline and Australia’s consumer watchdog said on Monday.

The Australian Competition and Consumer Commission sued the Sydney-based airline in the Federal Court last year. The commission alleged that Qantas engaged in false, misleading or deceptive conduct by advertising tickets for more than 8,000 flights from May 2021 through to July 2022 that had already been canceled.

Qantas agreed to settle the suit by paying a AU$100 million ($66 million) fine to the Australian government and a projected AU$20 million ($13 million) to more than 86,000 affected customers.

“Today represents another important step forward as we work towards restoring confidence in the national carrier,” Qantas chief executive Vanessa Hudson said in a statement.

“When flying resumed after the COVID shutdown, we recognize Qantas let down customers and fell short of our own standards. We know many of our customers were affected by our failure to provide cancellation notifications in a timely manner and we are sincerely sorry,” said Hudson, who replaced Alan Joyce at the airline’s helm in November last year.

A Federal Court judge has yet to accept the settlement.

ACCC chair Gina Cass-Gottlieb said Qantas’ payments of AU$225 ($149) to domestic ticket holders and AU$450 ($298) for international bookings were in addition to other remedies already provided by Qantas, including alternative flights and refunds.

“We are pleased to have secured these admissions by Qantas that it misled its customers, and its agreement that a very significant penalty is required as a result of this conduct,” Cass-Gottlieb said in a statement.

“Qantas’ conduct was egregious and unacceptable. Many consumers will have made holiday, business and travel plans after booking on a phantom flight that had been cancelled,” she added.

Qantas also admitted its misconduct continued until August last year, more than a year longer than the regulator has alleged in court, Cass-Gottlieb said.

The regulator initiated the suit a week after Qantas posted a record profit for the fiscal year that ended June 30, 2023, following years of losses due to the pandemic.

Its underlying profit for 2022/23 before tax was AU$2.47 billion ($1.6 billion), compared to a AU$1.86 billion ($1.2 billion) loss in the previous year.

Qantas reported a profit of AU$1.74 billion ($1.13 billion) after taxes for the latest year.

Where can I go with 50,000 AAdvantage miles?

Other ways to redeem aa miles , rental cars, should i get the aadvantage® aviator® red world elite mastercard*, get your next flight for free with this travel card’s rare welcome bonus.

You'll also pay a $99 annual fee, but it may be worth it if you're an American Airlines loyalist.

Dashia Milden

Dashia is a staff editor for CNET Money who covers all angles of personal finance, including credit cards and banking. From reviews to news coverage, she aims to help readers make more informed decisions about their money. Dashia was previously a staff writer at NextAdvisor, where she covered credit cards, taxes, banking B2B payments. She has also written about safety, home automation, technology and fintech.

Tiffany Connors

Tiffany Wendeln Connors is a senior editor for CNET Money with a focus on credit cards. Previously, she covered personal finance topics as a writer and editor at The Penny Hoarder. She is passionate about helping people make the best money decisions for themselves and their families. She graduated from Bowling Green State University with a bachelor's degree in journalism and has been a writer and editor for publications including the New York Post, Women's Running magazine and Soap Opera Digest. When she isn't working, you can find her enjoying life in St. Petersburg, Florida, with her husband, daughter and a very needy dog.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

I’ve written about dozens of credit cards over the years, but a recent travel card caught my eye. While most credit cards have steep minimum spending requirements to earn welcome bonuses, this airline card’s welcome bonus can help you cover a flight or hotel stay -- without spending thousands of dollars. 

The AAdvantage ® Aviator ® Red World Elite Mastercard ® * is one of our picks for the best American Airlines credit cards . And you can earn a 50,000-mile welcome bonus. All you have to do is make your first purchase (no minimum amount) and pay the $99 annual fee in the first 90 days of card ownership. Those bonus miles could help reduce the price of your travel or lodging for your upcoming summer vacation. 

Here’s more about the card and a few flights I found that could make the welcome bonus worthwhile. 

There are a few ways 50,000 miles can help you cut the costs of summer travel. Here are some examples I found looking at flights from Charlotte, North Carolina. 

Charlotte to Fort Lauderdale

I could earn enough points with the welcome bonus to cover the cost of a round-trip flight from Charlotte to Fort Lauderdale, Florida, from July 15 to 18 for me and a friend (plus applicable taxes and fees). Plus, I’d have 14,000 points left over for another trip. 

Charlotte to Toronto

Let’s be honest. A trip to Toronto on Father’s Day weekend (June 14-16) might offer a welcome respite from the heat. I wouldn’t get both flights for free, but I’d only pay about $735 out of pocket, plus taxes and fees (based on each point being worth 1.7 cents) for a trip for two. If I paid out of pocket, the flights would potentially cost nearly double -- $1,300.

Charlotte to New York

I could even travel during the Fourth of July to New York City, paying about $120 out of pocket (based on each point being worth 1.7 cents) to cover the remainder of the cost that the 50,000 points don’t cover, plus taxes and fees.

Aside from booking flights directly with American Airlines, you can redeem your welcome bonus miles with its OneWorld partners and other partners, including British Airways, Hawaiian Airlines, Iberia and Qantas. But you’ll want to make sure you’re redeeming the miles at an equal or higher rate for the best value. Here are some other ways you can redeem the miles for summer travel. 

Hotel stays

If you book your hotel with AAdvantage Hotels , you’ll get hotel stays at select hotels for fewer miles. For instance, I could use 42,700 miles to cover a three-night stay (June 20-23) at the B Resort, in the Disney Springs Resort, if I’m an AAdvantage credit card member with status. 

That means that even if you have the minimum Gold status with AAdvantage, by earning 40,000 miles, and you have the Aviator ® Red World Elite Mastercard, you can earn the rate. You can reach Gold status with 40,000 miles, so the bonus should more than help you reach that.

If your flight is covered, you’d prefer to drive or you have extra miles, you may be able to cut the costs on your rental car with the bonus, too. You can redeem your miles for vehicles at several rental companies, including Budget and Avis. 

Like American Airlines’ hotel partner, you can redeem fewer miles if you have AAdvantage status and are an AAdvantage cardholder. For instance, you’ll only redeem 21,800 miles for an intermediate vehicle, like a small SUV, for a three-day trip in New Orleans (June 19-22). You’ll use fewer miles for lower-tier cars. 

Beyond the one-time welcome bonus, the card has a few other benefits including: 

• First checked bag free
• Preferred boarding
• Up to $25 in statement credits for in-flight Wi-Fi, food and beverages
• A $99 companion certificate for one guest (plus taxes and fees) if you spend $20,000 on purchases and your account remains open 45 days after your anniversary date 
• Travel coverage 
• No foreign transaction fees

The perks can be rewarding if you’re a frequent American Airlines traveler or live in an American Airlines hub city. But the rewards rate isn’t as lucrative as other cards. You’ll earn 2x AAdvantage miles per dollar spent on eligible American Airlines purchases and 1 mile per dollar on other purchases. You could earn 4x miles on American Airlines purchases and 1 mile for every $1 spent on other purchases with the Citi® / AAdvantage® Executive World Elite Mastercard®*, but that card comes with a $595 annual fee. 

If you aren’t an American Airlines loyalist, you may get more value from one of the more general best travel credit cards , which let you earn rewards at higher rates in some categories and offer more flexible redemption options. 

*All information about the AAdvantage Aviator Red World Elite Mastercard and Citi / AAdvantage Executive World Elite Mastercard has been collected independently by CNET and has not been reviewed by the issuer.

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

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Our best balance transfer offers for May 2024

What is a balance transfer credit card, does transferring credit card balances affect your credit score, how to compare balance transfer credit cards, how much can i save with a balance transfer credit card, pros and cons of balance transfer credit cards, is a balance transfer credit card right for me, what's the best way to pay off a balance transfer credit card, how long does a balance transfer take, frequently asked questions.

Updated 16 May 2024 by Finder's money editor, Richard Whitten .

Finder analysis of the latest Reserve Bank of Australia data has revealed Australians have $18.46 billion of credit card debt accruing interest. With some credit cards charging interest rates above 25%, those interest charges add up fast.

Here's our pick of 0% balance transfer card deals available right now:

• Long interest-free period: The St.George Vertigo Card offers 0% p.a. interest on balance transfers for 28 months with a one-time 1% balance transfer fee. 28 months is currently the longest balance transfer offer on the market and unlike other cards, you'll still get interest-free days on new purchases while you have a balance transfer.
• Frequent flyer balance transfer offer: The Qantas Premier Platinum Card offers 0% p.a. interest on balance transfers for 12 months and a 2% balance transfer fee. You can earn up to 100,000 Qantas Points with this card.
• No annual fee and balance transfer offer: This Finder exclusive offer on the Kogan Money Credit Card gives you a way to get an ongoing $0 annual fee and 0% p.a. interest on balance transfers for the first 18 months, with a 2% balance transfer fee. Transfer debt from personal loans, lines of credit, store and credit cards from other financial institutions.
• Low rate balance transfer offer: The Westpac Low Rate Card has a low purchase rate of 13.74% p.a. It also offers 0% p.a. interest on balance transfers for the first 28 months with a 2% balance transfer fee.

Methodology: How we chose these balance transfer cards

• The length of the introductory period (the longer the period, the higher the ranking)
• Whether or not there is a balance transfer fee
• The annual fee, including if it is waived in the first year
• The purchase rate
• The interest rate that applies to balance transfers after the introductory period

Keep in mind: Our top picks may not always be best for you. Based on your situation, you may find certain features to be more or less important, so compare your options before you apply.

🏅 2024 Finder Best Balance Transfer Credit Card Award Winner – Virgin Australia Velocity Flyer Card

The Virgin Australia Velocity Flyer Card has been named Best Balance Transfer Credit Card in the 2024 Finder Credit Card Awards. It consistently had a competitive balance transfer offer during the analysis period. This included a 0% balance transfer interest rate for 24 months, with no balance transfer fee and no annual fee in the first year (then $129 per year).

This card also accepts balance transfers from personal loan debt. Most balance transfer cards only accept card debts, so this is very useful for some borrowers.

Check out all the Finder Credit Card Award winners and finalists .

Struggling to pay off your credit card balance? Those high monthly interest charges don't help. Sounds like you could use a balance transfer credit card.

If you switch to a new credit card with a 0% balance transfer offer, you can move the debt to the new card and pay no interest. The best cards have a 0% offer for up to 28 months. We can help you compare balance transfer offers from 43 card providers.

Sounds great! What's the catch?

There's no catch. But...

• Your new card provider may charge a one-off balance transfer fee of 1–3% of your balance.
• At the end of the balance transfer period the 0% interest rate reverts to a much higher rate (often above 20%). Pay it off before this happens.
• You will get charged interest on any new spending you do on the card. This is called the purchase rate .

When used correctly, a balance transfer credit card can help you repay your debt and improve your credit score in the long-term. But when applying for a credit card, it leaves a hard enquiry on your credit report (and may decrease your score). This means applying for a few balance transfer cards in a short period could hurt your credit score. Missing repayments on the balance transfer card will also hurt your credit score.

• Close out the old credit card account so you don't get into more debt.
• Pay off your card balance before the 0% period ends.
• Avoid the spending habits that got you into debt in the first place.

Many Australian credit cards let you make a balance transfer when you apply. Here's how you know you've found a good one.

• Look for a long offer. The longer the offer term, the more time you'll have to pay off your debt for a low or 0% rate. Make sure the first thing you do is compare credit cards .
• Watch out for the transfer fee. Some cards charge a balance transfer fee. This one-off fee is 1% to 3% of the amount you transfer.
• Find a 0% balance transfer rate. The best balance transfer credit cards in Australia offer 0% interest for the promotional period.
• Take note of the revert rate. If you haven't paid off the balance transfer by the end of the offer period, the higher revert interest rate will be charged on your leftover debt.
• Check the eligibility. You can usually transfer a balance from Australian-issued cards or accounts , as long as they are from a different issuer. Some cards also allow you to transfer debts from personal loans and lines of credit.
• Know your limits. On some cards you can only transfer up to a percentage of your approved credit limit (usually 70% - 100%). You can see Finder's guide to balance transfer limits for more information.

The amount you'll save with a balance transfer credit card depends on how much you owe, your current interest rate, the balance transfer offer and your monthly repayments (among other things).

Example: A 0% balance transfer card vs paying off your current card

We've compared a hypothetical balance transfer offer with monthly repayments on a standard credit card. The current balance and interest rates are based on Australian credit card statistics and data in 2024.

Even if you take into account the one-off balance transfer fee of $29.78, this 12-month balance transfer example saves you $300.

Want to see how much you could save? Put your balance and interest rate into the balance transfer table's calculator, or use Finder's credit card repayment calculator to help set your repayment goals.

• Save on interest costs. You can transfer your existing balance to a new card and get a low or 0% interest rate for a while. This will almost always be lower than the interest rate you're currently paying.
• Pay off debt faster. By not paying interest you should be able to get rid of your balance a lot faster.
• Simplify your payments. If you have several debts, you can use a balance transfer card to combine them so you only have to keep track of one credit card bill. Not only will this help you manage your debt, it can also save you money on card fees.
• Perks and extras. If you want to use the card after you have paid off your balance, perks like credit card travel insurance or rewards could help you get more value out of the card in the long run.
• Balance transfer fee. This one-time fee can range from 1% to 3% of your balance transfer amount, when it applies. That would mean a fee of $100 to $300 on a $10,000 debt.
• Revert rate. If you don't pay off your whole balance transfer during the introductory period, this is the interest rate you'll pay on the remaining balance.
• Balance transfer limits. Depending on the card and how much debt you want to transfer, you may not be able to move it all onto the new card. You could still be saving money, but you'll also have to manage your existing card.
• Credit score impact. Every time you apply for a new credit card, an enquiry is recorded on your credit report. If you already have a weak credit score, this could lower it further and you may not be approved.

I got into some credit card trouble in my early twenties. I was stuck with over $5000 of debt on a Commonwealth Bank credit card that I should never have taken out. That might not seem like a lot to some people, but I was struggling financially at the time, and the interest was crippling. I took out an ANZ balance transfer card and was able to get zero interest for 18 months, which gave me a lot more space to pay the thing off.

A balance transfer credit card is really useful if you are struggling with unpaid credit card debt - and interest - from one or multiple cards.

Still not sure if a balance transfer card is right for you? Ask yourself these questions first.

• Is there a way I can pay off my balance without getting a new card?
• Can I afford the fees that come with the new card?
• Will I be able to pay my balance off before the 0% period ends?
• Am I eligible for this credit card? Is my application likely to be rejected?

Check your credit score before you apply for a card.

• Make a plan. Look at your budget and see how much you spend and save each month. Figure out how much you can use to pay off the balance. If there's not much money, try to find ways to cut back, like cutting out subscriptions or unnecessary expenses. Use the savings to pay down your balance.
• Do the maths. Take your unpaid balance and divide it by the number of months on your 0% balance transfer offer. Let's say you have a $4,000 balance to repay and a 28 month balance transfer offer. You need to repay $143 a month.

Set yourself up for success by setting up direct debit payments from your bank account each month. Watch as your balance goes down, and make sure it's paid off before the balance transfer period ends.

The balance transfer process typically takes between 5 and 14 days from when you activate the new card, although it does depend on the credit card provider.

If you want to know how long a balance transfer can take with a particular bank or credit card brand, we've also summarised how Australian card issuers manage balance transfers and the processing times you can expect in a table.

Table: Balance transfer times for different credit card providers

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Longest 0% balance transfer deals.

• St.George Vertigo Card - 28 months (with 1% BT fee)
• Bank of Melbourne Vertigo Card - 28 months (with 1% BT fee)
• BankSA Vertigo Card - 28 months (with 1% BT fee)
• Westpac Low Rate Credit Card - 28 months (with 2% BT fee)
• NAB Low Rate Credit Card - 28 months (2% BT fee)
• Bankwest Zero Classic Mastercard or Zero Platinum Mastercard - 28 months (3% BT fee)

How many times can you do a balance transfer?

There is no set maximum amount of times you can transfer a balance between credit cards. However, you should factor in any balance transfer fees, the enquiries on your credit report and your chance of being approved for new cards with different banks. Ideally, you should focus on paying it back in full and eliminating the need for multiple transfers.

How many balances can I transfer?

The number of balances you can transfer depends on the provider and the offer but typically you'll be able to move debt from 1 to 3 eligible accounts. If you want to use a balance transfer credit card to consolidate debts, check the offer details or contact the provider to find out exactly how many balances you'll be able to transfer.

Can I do a balance transfer within the same bank?

Unfortunately, no. Balance transfer offers are only for new customers, meaning you'll have to open a card with a different bank or lender. This also goes for cards within the same group. For example, St.George, Bank of Melbourne and BankSA are all part of Westpac group, so you couldn't transfer a balance between any of these institutions.

What happens when my balance transfer period ends?

After the introductory period ends, the 0% interest rate ends too. If there's any debt left over, it will start to be charged interest at the revert rate.

This rate is high, often around 20%. It's higher than the purchase rate you get charged on new card spending.

If you haven't paid your balance off by the end of balance transfer period you could end up getting charged more interest than you were on your old card.

This is why it's so important to plan your repayments and pay off as much of your debt as possible during the introductory period

Is there risk when transferring credit card balances?

As with any credit card application, your credit score will be impacted if your application is rejected. This will lower your chance of approval for a different card, for a month or two.

The other risk is "putting off" paying down the debt. While you're only required to make the minimum payment on a card, it's wise to pay off the whole debt when you have the low or 0% balance transfer rate.

Otherwise, you could end up paying more interest when the introductory period ends – even if that's 3 years from now.

What is a balance transfer fee?

A balance transfer fee is a one-time charge that may apply when you move your debt to a new card. It's typically worth 1-3% of the balance transfer amount, but not all providers charge a balance transfer fee.

To give you an idea of the cost, transferring $5,000 onto a card with a 1.5% balance transfer fee would add $75 to the balance.

What happens if I put purchases on a 0% balance transfer credit card?

Unless the card offers an interest-free period for the purchases, you'll be charged interest on them. So, you'd need to make sure you could repay your purchases and the balance transfer debt. Otherwise, you'll waste your 0% balance transfer offer.

What happens if I keep my old card open?

When transfering an existing balance to a new card, it's your responsibility to contact your provider and close the old account. If you don't, you could end up paying account costs for a card you're not using - or worse, rack up debts on both cards. Before you close the card, make sure the balance is completely transferred or paid in full and move any regular payments such as ( direct debits ) to another account.

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.

More guides on Finder

• Stop paying interest in 2023

Find out what balance transfer credit card options you can use to consolidate debts from Zip Money, Zip Pay and other interest-free accounts.

Balance transfers are not allowed between certain credit card brands. Read on for a list of lenders that do and don’t allow a balance transfers between them.

Use this guide to see which providers accept balance transfers from a personal loan to a credit card and discover how you can repay your debt faster with 0% balance transfer offers.

Here's how to get more value out of your credit card with exclusive promotions, offers and perks available to existing customers.

Is it worth paying a debt settlement company to help you deal with credit card debt, or can you do it on your own?

If you're considering a balance transfer, compare which credit cards can accept your debt based on the balance transfer limits.

Get details of what credit cards may be available when you and your partner are looking for a way to balance transfer debt between you.

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33 Responses

Can I please have the existing balance on my account 456457106191****

We are a review and comparison site, you’ll need to contact your bank directly for customer service.

Hi Amy So we have recently had a balance transfer approved for the full amount of debt on a selected card. Now we are looking at replicating for another card however we will not be able to manage the full amount.

Meaning are strategy is to pay off the amount within the interest free period and then cancel the card

Will the lenders allow you to select the amount and keep the other card open????

It depends on your overall amount of debt compared to your income levels. When you apply for any credit card, the lender will assess your ability to repay not just that credit card, but all of the cards you have.

Many people don’t realise that when assessing your application, the lender will assume that all of your credit cards are “maxed out”. This is because you have ready access to that credit and could make purchases up to the full limit at any stage, so they have to be prudent and ensure you can afford your new card AND your existing debts, assuming they are at their limits.

For instance, if you have 3 cards that total $50,000 in credit limits, the bank will assume you have a debt of $50,000 and a minimum repayment of 3% per month, or $1,500.

What this means for you is that the lower your overall limits are, the greater your chance of being approved for an additional credit card.

Hope this helps and best of luck!

Hi, I am considering moving 2 x Credit Cards into a Bankwest Zero Platinum Mastercard. Will the actual application for a consolidation of 2 credit cards to one affect my score? Or leave a print? Also, why won’t any of the financial institutions consolidate 100% of the current balance on the existing cards? Thanks. L

Hi Leanne, If you requested the balance transfer for both credit cards at the same time, it would typically be considered a single application that requires 1 credit check. So it may depend on factors including whether you request the balance transfers at the time of your credit card application or later, and on the bank or credit card brand.

In regards to balance transfer amounts, the percentage limit is based on the approved, available credit limit for the new credit card – not your existing cards. For example, if you applied for a credit card that accepted balance transfers worth up to 95% of the available credit limit and were approved for a $5,000 credit limit, you could balance transfer a total of $4,750 from existing cards.

You can factor this in when you apply for a balance transfer credit card, and may be able to request a credit limit that would be sufficient to allow you to transfer the total balances on your current cards. Just keep in mind the credit limit request, balance transfer request and credit card account are all subject to lending criteria and approval. I hope this helps.

G’day Can I transfer a personal loan onto a 0% credit card

Hi Shaggy, Yes, Finder has a guide for balance transfer credit cards that accept personal loan balances , as well as more details and insights on the process. I hope that helps.

I was just wondering if there is any Banks/ financial institutions that would issue a balance transfer credit card to international students (subclass 500 visa) although holding permanent residency bridging visa.

Hi Catch, Every financial institution in Australia has a different approach to credit cards for temporary residents , although Finder’s guide does have some specific visa details and information. If there is a credit card you are interested in, you may want to call the financial institution directly to discuss your situation and whether you’re eligible to apply. If you have further questions about debt or your money situation, you can also speak to a financial counsellor for free by calling 1800 007 007 or using the chat service on the National Debt Helpline website . I hope that helps.

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Airline Agrees to Pay $79 Million After Selling Tickets for Canceled Flights

Qantas, Australia’s national carrier, apologized and said it would pay a fine and compensation to settle a suit brought by a consumer watchdog.

By Jin Yu Young

Qantas, Australia’s national airline, said on Monday that it had reached a deal with the country’s consumer watchdog to pay the equivalent of $79 million for selling thousands of tickets to flights that it had already canceled.

The airline said in a statement that the payments, totaling 120 million Australian dollars, would resolve a lawsuit that the Australian Competition and Consumer Commission filed against Qantas over the issue last year. The commission accused the airline of advertising and selling tickets for more than 8,000 canceled flights from May 2021 through July 2022.

The commission said Qantas had known that the flights would never take off, and that tickets remained available for an average of over two weeks after the flights were canceled — in some cases, for as long as 47 days.

Qantas said it expected to pay 20 million Australian dollars in compensation to more than 86,000 of its customers, as well as a fine of 100 million dollars, subject to court approval.

“We know many of our customers were affected by our failure to provide cancellation notifications in a timely manner, and we are sincerely sorry,” said the carrier’s chief executive, Vanessa Hudson.

“We have since updated our processes and are investing in new technology across the Qantas Group to ensure this doesn’t happen again,” she said.

Gina Cass-Gottlieb, the consumer watchdog’s chairwoman, said the agency was “pleased to have secured these admissions by Qantas that it misled its customers, and its agreement that a very significant penalty is required as a result of this conduct.”

The airline has had a rocky few years. While it bills itself as “the spirit of Australia,” its customers there have complained about unreliable flights and high ticket prices. The airline has also taken flack for giving large paychecks to its board and its previous chief executive, after what a court called its illegal layoffs of 1,700 baggage handlers.

In the airline’s statement Monday, Ms. Hudson said the resolution of the suit over the canceled flights “represents another important step forward as we work towards restoring confidence in the national carrier.”

An earlier version of this article misspelled the name of Qantas’s chief executive. It is Vanessa Hudson, not Husdon.

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Jin Yu Young reports on South Korea, the Asia Pacific region and global breaking news from Seoul. More about Jin Yu Young