banker talking to a young couple

Credit card deals for existing customers

Information verified correct on March 30th, 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 March 29th, 2017.

Bank of Melbourne Amplify Card

Balance transfer offer has been changed to 0% p.a. for 12 months and is valid until 1 May 2017.

February 21st, 2017

BankSA Amplify Card

Balance transfer offer has been changed to 0% p.a. for 12 months and is valid until 1 May 2017.

February 21st, 2017

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Bank of Melbourne Amplify Card
Enjoy a 0% p.a. interest for 12 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 12 months $79 p.a. Go to site More info
BankSA Amplify Card
The BankSA Amplify Card 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 12 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.

Back to top

Image: Shutterstock.

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.

Was this content helpful to you? No  Yes

Related Posts

ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
American Express Essential®  Credit Card
American Express Essential® Credit Card

Interest rate

14.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

9 Responses to Credit card deals for existing customers

  1. 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

  2. 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

  3. 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

Ask a question
feedback