Learn about Credit Card
Balance Transfers

Balance Transfers can help streamline and simplify Credit Card payments.

What is a balance transfer?

A balance transfer is when you move an existing Credit Card balance onto another Credit Card. If you have a high interest Credit Card balance you’d like to pay off, a balance transfer to another Credit Card with a lower interest rate can help you keep on top of your payments.


Balance transfers are not currently available on new American Express Credit Card applications.

Why choose a balance transfer?

  • Help you save on interest

    Some Credit Cards offer an introductory interest-free period on balance transfers that can help you save on interest payments.

  • Easy to manage

    With one consolidated Credit Card balance to manage, you only have to make one monthly payment, so keeping an eye on things is simpler.

Anything else you’d like to know about Credit Cards?

Get the low-down on Card limits, interest rates, fees and the benefits of travelling outside of Australia with your American Express Card.

What do you want from a Card?

Everyone’s different, so you need a Card that has benefits that best suit your lifestyle.
Choose the Card with benefits that best suit you.


Earn Membership
Rewards points from
everyday spending

Frequent Flyer

Maximise rewards
for every trip


Enjoy premium
benefits and service

No Annual Fee

Save more with no
annual fee

Live life to the fullest with American Express Membership

As an American Express Card Member, you get to enjoy travel benefits that take you further, points that are more rewarding and services that open more doors around the world.



From money-saving ideas to travel inspiration and daily life tips, get inspired to do great things and make your life more rewarding.