fee or its rewards programme details. Where to Find Balance Transfer Credit Cards Here are the four main places you might ?nd balance transfer credit card offers: At your local bank -- if your bank is also a credit card issuer. Print advertisements/mailers. On credit card companies' own websites if you have a preferred issuer. On credit card comparison websites (like CreditCardOffers.com.au) where you can compare current offers from many credit card issuers in one place. The Balance Transfer Introductory Offer One of the most important aspects of any balance transfer credit card deal is the introductory offer interest rate. This generally includes a very low interest rate (or even a 0% interest offer) applied to the amount of debt you've transferred. These low introductory rates only last for a limited time. For example: What this really means: If you apply for a balance transfer right on your credit card application, you will get a 1.9% interest rate on that balance from the day you're approved for your new credit card. (Note: That rate does not apply to any new purchases you make -- just your transferred balance.) The balance transfer rate will expire after your ? rst 6 months. If you apply after receiving your credit card, you may not get that full 6-month period. The idea is to ?nd a low rate with an adequate introductory period that will allow you to pay off your balance before the introductory offer expires. After this introductory period, any remaining unpaid