Credit card deals for existing customers

You can't balance transfer with your existing bank, but the money you'll save is probably worth the switch. Compare current offers below.

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Compare balance transfer credit cards

Most credit card promotional offers are only available to new cardholders as a way to encourage applications. This means you can't balance transfer with your existing card company. However, switching will likely offer you more savings than sticking with your current bank.

Data indicated here is updated regularly
$
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
Citi Rewards Card
0% p.a. for 30 months
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee.
St.George Vertigo Classic
0% p.a. for 24 months
13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Get 0% p.a. promotional balance transfer rate, with no balance transfer fee. Plus, save with a first-year annual fee waiver.
ANZ Low Rate
0% p.a. for 25 months with 1.5% balance transfer fee
12.49% p.a.
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a. on balance transfers for 25 months (with a 1.5% BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
Westpac Low Rate Card
0% p.a. for 24 months with 1% balance transfer fee
13.74% p.a.
$59
A low rate card offering 0% p.a. interest on balance transfers for the first 24 months and a $200 cashback offer.
Coles No Annual Fee Mastercard
0% p.a. for 12 months
0% p.a. for 12 months, reverts to 19.99% p.a.
$0
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months. Ends 31 January 2021.
HSBC Platinum Credit Card - Balance Transfer Offer
0% p.a. for 26 months with 1% balance transfer fee
19.99% p.a.
$0 annual fee for the first year ($129 p.a. thereafter)
Enjoy a 26-month balance transfer offer, a first-year annual fee waiver and complimentary travel insurance.
Bankwest Breeze Classic Mastercard
0% p.a. for 26 months with 2% balance transfer fee
10.99% p.a.
$0 annual fee for the first year ($49 p.a. thereafter)
Save with 0% p.a. on balance transfers for 26 months (with a 2% BT fee) and $0 first-year annual fee. Plus, a 10.99% p.a. purchase interest rate.
Coles Rewards Mastercard
0% p.a. for 18 months with 1.5% balance transfer fee
19.99% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Enjoy $100 off a Coles Supermarket, a $0 first-year annual fee and a 0% p.a. on balance transfers for 18 months (1.5% fee applies). Ends 31 Jan 2021.
Qantas Premier Platinum
0% p.a. for 18 months with 1% balance transfer fee
19.99% p.a.
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
Citi Simplicity Card
0% p.a. for 6 months
0% p.a. for 6 months, reverts to 21.49% p.a.
$0
Get 0% p.a. interest for up to 6 months on purchases and balance transfers. Plus, a $0 annual fee for life.
Westpac Altitude Platinum Qantas
0% p.a. for 18 months with 1% balance transfer fee
20.49% p.a.
$99 annual fee for the first year ($200 p.a. thereafter)
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
Citi Clear Card
0.9% p.a. for 15 months
0.9% p.a. for 15 months, reverts to 14.99% p.a.
$99
Save with 0.9% p.a. for 15 months on purchases and balance transfers. Plus, complimentary purchase insurance cover.
CUA Low Rate Credit Card
0% p.a. for 20 months
11.99% p.a.
$0 annual fee for the first year ($49 p.a. thereafter)
Take advantage of a 0% p.a. balance transfer rate for 20 months, $0 first year annual fee, and a low variable 11.99% p.a. interest rate on purchases.
Bank of Melbourne Vertigo Classic
0% p.a. for 24 months
13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Save with a 0% p.a. interest for 24 months on balance transfers, with no balance transfer fee. Plus, a $0 first-year annual fee.
St.George Amplify Platinum - Qantas
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$99
Earn 70,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months and complimentary insurance covers.
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Compare up to 4 providers

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 Experiences 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, bonus point or 0% interest rate offers, you can still get benefits from using a familiar card. And if you've got a weak credit score, you may not be able to get approved for another card. If you're in this position, it might be worth calling your credit card provider and letting them know you're not happy. Occasionally, they'll offer you an annual fee discount or a couple of extra perks to get you to stay.

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    11 Responses

      Default Gravatar
      frankJuly 25, 2017

      I want to transfer balances from existing cards to capitalise on best offers

        Default Gravatar
        JonathanJuly 25, 2017

        Hi Frank,

        Thank you for sending your inquiry today.

        You can check the list of balance transfer offers we have from different lenders on this page.

        Please take note of their minimum requirements to have higher chances of approval for the new card. Also, most cards would only allow up to 80% transfer to the approved limit, the balance transferred is not eligible for rewards, and is not possible for the same credit card issuer (for example from Virgin to Citibank, as they are both issued by Citibank PTY LTD).

        You can check the T&Cs of these cards on their individual cards page and talk to the card specialist if needed as some rules vary per lender.

        Hope this helps.

        Cheers,
        Jonathan

      Default Gravatar
      KKOctober 25, 2016

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

      Thanks

      Default Gravatar
      gerySeptember 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.

        Avatarfinder Customer Care
        ShirleySeptember 23, 2014Staff

        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
        AzzMarch 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?

        Avatarfinder Customer Care
        DebbieMarch 31, 2016Staff

        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
      ShaneAugust 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
        ShaneAugust 11, 2014

        So much for looking after loyal customers,

        Avatarfinder Customer Care
        ShirleyAugust 11, 2014Staff

        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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