From bonus reward points to 0% interest rates and reduced annual fees, discover exclusive, limited time offers and deals for credit cards.
As part of our ongoing mission to find you a better deal, we have secured a range of credit card offers that are unique to the market and only available through finder.com.au. Here, you’ll see the latest credit card offers exclusive to finder.com.au. We also explain exactly how these offers work and what you need to know to get as much value out of them as possible when you choose a new credit card.
Exclusive credit card deals
How do exclusive and limited time credit card offers work?
Exclusive and limited time deals are designed to sweeten the deal when you sign up for a new credit card. As such, they require you to apply for a credit card during the promotional period.
If you want to take advantage of an exclusive credit card offer on finder.com.au, you’ll need to follow these steps:
- Click the “Go to site” button. You will then be taken to a secure application page.
- Fill out the application directly from this page, including any information relevant to the exclusive offer, such as balance transfer details.
- If your application is approved, you’ll receive your credit card contract, including details of the exclusive deal you’ve received.
Types of exclusive credit card offers
There are four key types of exclusive credit card offers you can choose from, each offering value in a different way depending on your needs. We’ve outlined these deals in detail below.
Balance transfer promotions
Balance transfer offers are designed to help you save interest when paying off a debt by offering a promotional low or 0% interest rate when you transfer an existing debt to a new credit card. At the end of the introductory period, this balance transfer rate reverts to a standard interest rate for any debt remaining on the card.
Most credit card companies have a range of balance transfer offers available for new customers. But some exclusive deals could offer more competitive promotional interest rates or longer introductory periods that you won’t find elsewhere.
Martha's balance transfer
Martha has a $3,000 debt on her credit card, which charges 17.99% p.a. in interest on the balance. She’s finding it hard to pay off this card, so she wants to find a credit card with a low balance transfer interest rate that will help her save money on these charges.
After a quick search, Martha finds a card she likes that also includes a balance transfer rate of 2.5% p.a. for 12 months. She works out that if she made minimum payments of 2% on this card, she would save $450 in interest over the 12 months during the transfer promotion.
But instead of applying straight away, Martha does a more thorough search for “exclusive credit card offers”. She finds the exact same card is available with an exclusive offer of 0% on balance transfers for the first 12 month.
By applying for this second offer, Martha would save $517 if she only made minimum payments. That’s an extra $67 in savings compared to the first balance transfer offer she saw.
Purchase rate promotions
These offers provide a low or 0% promotional rate for new purchases so that you can save money on credit card spending during the introductory period. At the end of that time, the promotional purchase rate reverts to a higher, standard rate of interest
Purchase rate promotions can be useful when you plan on spending a lot of money but want a bit of time to pay off the balance. To get the most value out of this type of offer, aim to pay off the purchases before the end of the introductory period so that you pay minimal or no interest on these charges.
Bonus points promotions
Reward credit cards often provide additional points for new customers. These points can be worth hundreds or even thousands of dollars in value, and give you a head start on reward redemptions. In the case of frequent flyer cards, you may even get enough bonus points to fly overseas.
Most credit cards that include bonus point promotions require you to spend a certain amount of money in the first few months you have the card. For example, a credit card that offers 10,000 bonus points might require you to spend more than $500 on the card in the first two months you have it. By checking these requirements, you can decide if it’s affordable for you to take advantage of this offer.
Donnie's bonus points
Donnie is interested in applying for an American Express Platinum Edge credit card and also wants to get bonus points as a new customer. He finds an exclusive offer for a bonus 30,000 Amex Membership Rewards if he applies for the card, is approved and spends $750 or more in the first two months.
Donnie decides to get the card, and uses it to buy a new computer worth $1,200. He already has money set aside for this purchase, so he pays off his card straight away. By doing this, Donnie meets the requirements for the bonus 30,000 points and avoids paying any interest on his new American Express card.
Annual fee offers
Most credit cards charge an annual fee, but some exclusive credit card offers will reduce or waive the annual fee for the first year. These deals can make getting a new credit card more affordable, but it’s important to check what the standard annual fee is so that you know how much the card will cost in the long run. If you are interested in credit cards that don’t charge an annual fee, you may also want to consider one that has no annual fee for life.
How to compare exclusive and limited time offers
Credit cards that come with exclusive offers provide more competitive features, but only for a limited time. This means it’s important to consider a range of factors when comparing cards so that you can choose an option that provides value in the short- and long-term. Key features you should look at include:
- Promotion end date. Exclusive offers are available for a limited time, which means you must apply during the promotional period to be eligible for the deal. Check the fine print to find out how long an offer is available and what date it expires so that you know how long you have to apply.
- Requirements to get the offer. Usually there are a number of conditions you need to meet to get a credit card offer. For example, you may have to include your balance transfer request when you apply for a credit card with a balance transfer offer, or you may need to spend a set amount of money to get introductory bonus points. Find out what these requirements are before you apply so you know whether or not the offer is worth it for you.
- Standard interest rates. Make sure you check the ongoing, variable interests rates for any credit card you’re considering so that you know how much you will pay after any exclusive offers end.
- Standard rewards points earn rate. If you want to take advantage of a bonus points offer, it’s also important to check the standard earn rate for rewards. That way you’ll be able to calculate the value of the rewards program to make sure it offsets the cost of any card fees you pay.
- Annual fee. Always check the standard annual fee for any credit card you are considering so that you know how much you will pay in the long run.
- Balance transfer fee. Some credit card companies charge a one-off fee when you apply and are approved for a for a promotional balance transfer offer. This fee is usually around 1% to 3% of the total debt you move to the new card. For example, if you transferred $3,000 to a card that had a 1% balance transfer fee, you would pay an extra $30. Not all balance transfer credit cards charge this fee, so it’s you should compare a range of cards and factor this cost into your budget to make sure you choose an option that is affordable for you.
- Other credit card fees. Credit cards can come with a range of other fees, including cash advance and ATM withdrawal charges, foreign transaction fees and late payment and overlimit fees. Reviewing these charges will help you find a credit card that offers flexibility and affordability based on your needs.
- Complimentary extras. Credit cards often provide a range of ongoing perks, including international travel insurance, purchase protection insurance and concierge services. These complimentary extras can add value to your card if you use them, so it’s worth considering what features you will and won’t take advantage of when choosing a credit card.
Pros and cons of exclusive deals
- Get credit card offers not available to everyone
- Save money on balance transfers or purchases
- Boost your reward point balance
- Enjoy a reduced or $0 annual fee for the first year
- Deals are only available for a set amount of time
- You must apply during the promotional period
- You must apply where you see the exclusive offer to ensure you get it
- Usually limited to new customers
Things to remember about exclusive credit card offers
If you’re interested in getting a credit card with an exclusive offer or limited time promotion, make sure you already have a clear idea of what you want before you apply. Start by considering the ongoing features of a range of credit cards, and then use the exclusive offers as a way to choose between them. By taking this approach, you will be able to find a credit card that provides value and flexibility on an ongoing basis, with the exclusive offer adding value when you first get it.
Whether you want to boost your rewards balance with bonus points or save money through balance transfer and purchase rate promotions, exclusive offers and limited time promotions provide you with the opportunity to get more from whatever card you apply for. Now that you know more about them, you can compare credit cards and browse the exclusive offers available to find the right option for your needs.
Frequently asked questions
I saw a deal here, but couldn’t find it on another website. Why?
These deals are secured by the finder.com.au team and are exclusive. You can only access these exclusive deals when you apply for the card online through finder.com.au. When you click on the “Go to Site” button, you will be direct to a secure application with your exclusive deal.
Why does the card issuer not know about these deals when I speak to their customer representative?
The Internet is a sprawling mass of information, so it’s understandable that not every customer service representative you speak to will know of these deals. They are 100% safe and legitimate deals—finder.com.au is Australia’s biggest credit card comparison site and we appear regularly in Australian news to help Australians manage their money better.
Can I apply for these deals in person or by phone?
No, these deals are only available to those visiting our site. To secure an exclusive credit card offer, you simply need to view the current deals on finder.com.au and then click through to the card issuer’s website to complete a secure application form online.
I want to negotiate my own credit card offer. Can you help me?
Please note that finder.com.au is an Australian financial comparison website and general information service. It is not a credit card company. If you’re interested in getting a new credit card with an exclusive offer, you can compare the cards on this page. You may also want to check out our guide to introductory offers for a range of deals for new credit card customers.