I don’t think it is a bad idea trying to reduce the interest you are paying if you aren’t getting anywhere with it, providing you actually pay off the balance transfer whilst it is interest free and don’t use that card further adding to the problem. Those cards are made to trap you into high interest rates once balance transfer is over of if used for purchases and if statement balance not paid off in full by due date.
Some options below for you…
Low rate cards
Virgin Money Low Rate Credit Card
11.99% in purchases, $49 annual fee
Bankwest Breeze MasterCard
0% first 13 months then 13.99% purchases, $79 annual fee
NAB low rate credit card
0% first 6 months then 13.99% purchases,
$59 annual fee
Balance transfer options
Westpac Low Rate Credit Card
0% 25 months balance transfer with 2% transfer fee, $59 annual fee
Virgin Australia Velocity Flyer Credit Card
0% 18 months balance transfer 0% transfer fee, $49 first annual fee then $149 per year
0% for 15 months balance transfer 1.5% transfer fee, no annual fee.