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Credit card deals for existing customers

Bonus points offers, cashback 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

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 an editor at who is a credit cards, frequent flyer and travel money expert by day and music maven by night.

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11 Responses

  1. 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.


  2. Default Gravatar
    KKOctober 25, 2016

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


    • finder Customer Care
      JasonOctober 25, 2016Staff

      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.


  3. 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.

    • finder 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.


    • 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?

    • finder 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.


  4. 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,

    • finder 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,

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