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Credit card deals for existing customers

Information verified correct on January 19th, 2017

Bonus points offers, cash back rewards and more credit card perks you can enjoy with your existing bank.

Most credit card promotional offers, such as bonus points on signup or a 0% balance transfer, are only available to new cardholders as a way to encourage applications. However, some issuers do offer promotions to existing customers to reward their loyalty. This guide looks at credit card deals for existing cardholders as well as other ongoing perks that can help you get more value from your credit card.

Compare credit cards with special offers for existing customers

Rates last updated January 19th, 2017.

Bank of Melbourne Amplify Classic - Amplify Rewards

Purchase rate offer has been changed to 0% p.a. for up to 6 months and is valid until 30 March 2017

January 5th, 2017

BankSA Amplify Classic

1% for 12 mos. on purchases was updated to 0% for 6 mos. + 0% for 18 mos. BT until 30 March 2017.

January 5th, 2017

Westpac Altitude Black - Exclusive Offer

Exclusive online offer of 100,000 bonus Altitude or Qantas Points extended until 28 February 2017

January 6th, 2017

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Bank of Melbourne Amplify Classic - Amplify Rewards
Enjoy a 0% p.a. interest for 18 months on balance transfers and 0% p.a. for up to 6 months on purchases. Also earn Amplify points on purchases to redeem rewards and travel through Amplify Rewards.
0% p.a. for 6 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $79 p.a. Go to site More info
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you apply online, get approved and spend $5,000 on eligible purchases, choose between two reward programs offering (Altitude or Qantas Rewards) and receive premium cardholder benefits.
20.24% p.a. $395 p.a. Go to site More info
BankSA Amplify Classic
The BankSA Amplify is a brand new rewards credit card that allows you to earn more Qantas Points combined with low purchase and balance transfer offers.
0% p.a. for 6 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $79 p.a. Go to site More info

What perks can I get as an existing cardholder?

  • Bonus points offers. Occasionally, card providers will allow you to earn bonus points on specific spending. For example, American Express often awards bonus points when you spend with a partnered retailer during a promotional period and Qantas lets you earn triple bonus points on certain promotional flights or hotel bookings.
  • Cashback offers. Some banks offer a promotional cashback offer instead of bonus points. For example, you might be able to receive 2% back on all eligible spending within a specific period.
  • Network perks. Card payment networks provide a host of exclusive travel, lifestyle, shopping, dining and entertainment offers to existing cardholders. For example, Visa Entertainment, Mastercard Priceless Cities and American Express Invites all offer cardholders entertainment perks such as presale concert tickets, event discounts and access to private lounges.

While existing cardholders don’t get the most competitive balance transfer or 0% interest rate offers, you can still get a number of benefits from using a familiar card. You can even consider applying for a new card, if you feel like you’re not getting enough benefits. Often, if you were to call your card provider and express your discontent with the product and your desire to get a new card, you might find that they’ll be willing to throw in more perks in a bid to retain your business. Perhaps a special interest rate or annual fee waiver might be sufficiently appeasing to change your mind.

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Sally McMullen

Sally McMullen is a journalist at finder.com.au who is a credit cards, frequent flyer and travel money expert by day and music maven by night.

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9 Responses to Credit card deals for existing customers

    Default Gravatar
    KK | October 25, 2016

    Hi,
    I am existing NAB Credit Card holder.
    Can I apply for 0% balance transfer on my existing credit card?

    Thanks

      Staff
      Jason | October 25, 2016

      Hi KK.

      Thank you for your inquiry.

      The 0% balance transfer offer is valid for new card applications and not with existing ones. You can apply for a new NAB balance transfer card though.

      Cheers,
      Jason

    Default Gravatar
    gery | September 22, 2014

    I am trying to locate the web page for Nab,that leads to the application for Balance transfer for the existing premium card holders.The offer is 0% for 15 months.
    I was able to locate the page about 4-5 days ago.But I do not remember the web link on it. If a call Nab it takes over 30 minutes before you can get someone on the other side.

      Staff
      Shirley | September 23, 2014

      Hi Gery,

      Thanks for your question.

      Please see this page – I think this may be the offer you’re looking for.

      Cheers,
      Shirley

      Default Gravatar
      Azz | March 28, 2016

      That looks like a page that you can apply for if your not a customer or you want to apply for a new card. What about a link to transfer a debt for a credit card to an existing credit card NAB credit card?

      Staff
      Debbie | March 31, 2016

      Hi Azz,

      Thanks for your inquiry.

      Unfortunately, there is no balance transfer within the same credit card issuer such as NAB. For more information, please check our guide on which credit card issuers won’t allow transfers between each other.

      I hope this helps.

      Cheers,
      Debbie

    Default Gravatar
    Shane | August 9, 2014

    Why can I not get credit approval with a bank that I have been with for years but pre approved with other banks.?. Do I have to change banks because the bank I’m with don’t look after me.?.

      Default Gravatar
      Shane | August 11, 2014

      So much for looking after loyal customers,

      Staff
      Shirley | August 11, 2014

      Hi Shane,

      Thanks for your question.

      The decision is completely up to you. If you feel as though you’re getting a better deal or service from another bank, there is no harm in switching.

      All the best,
      Shirley

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