Credit card deals for existing customers | finder.com.au

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 updated regularly
$
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
HSBC Platinum Credit Card
0% p.a. for 36 months
19.99% p.a.
$29 annual fee for the first year ($129 p.a. thereafter)
Save money with a 0% balance transfer rate for 36 months (with no BT fee), a first-year annual fee discount and free travel insurance.
Kogan Money Black Card - Exclusive Offer
0% p.a. for 24 months
20.99% p.a.
$0
Finder Exclusive
Save with a $0 annual fee and a 0% introductory rate on balance transfers. Plus, earn $50 Kogan.com Credit and uncapped rewards points.
Coles No Annual Fee Mastercard - Exclusive Offer
0% p.a. for 12 months
0% p.a. for 12 months, reverts to 19.99% p.a.
$0
Finder Exclusive
Earn 10,000 bonus Flybuys points and save on interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Citi Rewards Card - Balance Transfer Offer
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.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 26 months
20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. for 26 months on balance transfers and a reduced first-year annual fee. Plus, $129 Virgin Australia Gift Voucher per year.
ANZ Low Rate
0% p.a. for 20 months
12.49% p.a.
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a. on balance transfers for 20 months (with no BT fee) and $0 first-year annual fee. Plus a 12.49% p.a. purchase interest rate.
Virgin Money No Annual Fee Credit Card
0% p.a. for 12 months
0% p.a. for 12 months, reverts to 18.99% p.a.
$0
Save with an ongoing $0 annual fee and 0% p.a. on balance transfers and purchases for 12 months.
Westpac Low Rate Card
0% p.a. for 28 months with 1% balance transfer fee
13.74% p.a.
$0 annual fee for the first year ($59 p.a. thereafter)
Save with a $0 annual fee for the first year, plus, a 0% interest rate on balance transfers for 28 months.
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.
St.George Vertigo Classic
0% p.a. for 28 months
13.99% p.a.
$55
Enjoy a 0% interest rate on balance transfers for 28 months, with no balance transfer fee.
Bendigo Bank Low Rate Credit Card
0% p.a. for 24 months with 2% balance transfer fee
11.99% p.a.
$45
Save with 0% p.a. on balance transfers for 24 months (with a 2% BT fee). Plus a 11.99% p.a. purchase interest rate.
Citi Rewards Card - Points & Gift Card Offer
0% p.a. for 15 months
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 90,000 bonus Citi reward Points (worth $400 in gift cards) and a $100 Coles eGift Card when you spend $3,000 in the first 90 days.
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 when you spend at least $4,000 within the first 3 months. Plus a discounted $199 first-year annual fee.
Citi Rewards Card - Velocity Points Offer
0% p.a. for 15 months
21.49% p.a.
$99 annual fee for the first year ($199 p.a. thereafter)
Enjoy 100,000 bonus Velocity Points when you spend $3,000 in the first 90 days. Plus, complimentary travel and purchase insurance.
Westpac Altitude Platinum Qantas
0% p.a. for 18 months with 1% balance transfer fee
20.49% p.a.
$149 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 0% balance transfer offer.
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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 enquiry today.

        You can check the list of balance transfer credit card offers and explore your options.

        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.

        You may consider applying for the NAB Low Fee Platinum Card. 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.

        It is helpful to know that you cannot do a balance transfer between credit cards under the same bank, but you also can’t transfer debts with different credit card companies that have financial ties to one another.

        You will find a guide on which financial institutions you can and can’t transfer your balance between.I suggest you to read the balance transfer terms and conditions to ensure your eligibility before you apply.

        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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