Exclusive Limited Time Offers & Deals

Information verified correct on August 27th, 2016

Being Australia’s largest credit card comparison site means we also get our hands on exclusive credit card deals.

Credit card issuers regularly release special offers into the market. These deals are designed to get those looking to add a new piece of plastic to their wallet interested in their product and hopefully encourage them to apply. Because of our unique position in the market, we’re able to secure exclusive deals not available anywhere else. These deals may see you get better interest rates, lower fees or perks such as bonus rewards points on sign up.

Exclusive Deals to finder.com.au

Rates last updated August 27th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ First Visa Credit Card - Exclusive Offer
Exclusive Offer to finder.com.au

Receive 0% p.a. for the first 12 months on balance transfers and make purchases interest free with 0% p.a. for the first 3 months on purchases.

0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Go to site More info
American Express Platinum Edge Credit Card - Exclusive Offer
Exclusive Offer to finder.com.au

Receive 30,000 Membership Rewards Bonus Points when you meet the minimum spend requirement, also enjoy 0% p.a. for 12 months on balance transfers.

20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info

More Exclusive to finder.com.au Offers & Deals

How do exclusive deals work?

An exclusive deal works in much the same way as a regular promotional offer. First you simply compare and find the exclusive deal you’re interested in on this page. Read the review page for the card and find out if it’ll suit you. Once you’re ready to apply you can click the secure link on the review page and will be taken to the website of the card issuer to fill out your application form. If you’re approved, you’ll receive your credit card contract which displays the exclusive deal you’ve received.

What are the types of exclusive deals?

In most cases, these exclusive deals fall into a number of categories. These include:

  • Balance transfer rates promotions. A balance transfer simply refers to bringing the balance of your old credit card or cards over to a new credit card which has a lower promotional rate of interest for a set number of months. Because of this lower rate of interest you’re better able to pay off your debt and pay less in interest. Some of the exclusive deals on this page include balance transfer promotions not normally offered to customers.

    Example: Martha

    Martha has a $3000 credit card debt on her credit card. She’s currently paying an interest rate of 17.99% p.a on the debt and is finding it hard to pay down. so she wants to find a credit card she can transfer her balance over to.

    After a thorough search she finds a card with a balance transfer rate of 2.5% p.a for 12 months and applies for it.

    Once her application is approved, Martha fills in her balance transfer request and transfers the $3000 over to the new credit card.

    Transferring this balance over to the new card saves her approximately $450 in interest over the 12 months during the transfer promotion. This is based on Martha only making minimum repayments of 2% each statement cycle.

    If Martha searched a bit harder and found the same card with an exclusive offer, but this time with a rate of say 0% p.a for 12 months, this would mean she’d save $517 in the same time.

    That’s an extra saving of $67 simply for finding the right deal.

  • Purchase rate promotions. A purchase rate is similar to a balance transfer in that you get a lower interest rate for a number of months. The main difference is that a purchase rate promotion can only be used to buy items and pay for services. This means you could make a purchase and pay no or reduced interest on it. This means you could get a head start paying off the balance without high interest charges getting in the way.

  • Bonus point promotions. Some of the exclusive deals we’re able to source are offered on rewards cards, and offer new cardholders bonus points. This means you can get a head start towards redeeming points for rewards. If you use your points to travel an exclusive deal could see you reach faraway places quicker.

  • Annual fee discounts. Most credit cards charge an annual fee, so some exclusive deals will reduce or waive this fee for the first year or longer.

The exclusive deals on this page might combine one or more of these features, and won’t be displayed anywhere else on the internet, so it’s in your interest to check back on this page regularly.

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How to compare exclusive deals

How you should compare an exclusive deal will depend on the type of card you’re applying for.

  • Exclusive balance transfer rate deals. If you’re applying for a balance transfer card, you’ll want to first look at the balance transfer rate and time period. This will tell you how much you might be able to save by bringing your balances over. Next, find out the revert rate. This is the rate you’ll pay if you don’t clear your balance within the promotional period. You’ll also want to consider the annual fee. A high annual fee isn’t necessarily a negative if the card will give you value in other ways or help you get out of a stubborn debt. Finally, you’ll want to look at the other features offered on the card, including any complimentary concierge or insurance policies, the regular purchase rate (if you plan to keep the card once the promotion is done) and anything else you think you’ll use.

  • Exclusive purchase rate deals. A card with a purchase rate deal can be compared using the same basic principles mentioned above. First, compare the promotional deal itself. Think about the purchase you’ll be making, and calculate how much you’re likely to save with the promotional purchase rate. If you don’t think you’ll be paying the purchase off during the promotional period, you’ll also want to know what the rate will revert to. The next most important feature to consider is the annual fee—even if you don’t pay interest you’ll still need to pay this off. Finally compare the extra features the card might come with including complimentary insurances or concierge services, as well as reward programs.

  • Exclusive bonus points deals. These cards are rewards cards, so can be compared by first looking at the earn rate in relation to the annual fee. Calculate how many points you’ll be earning each year given your estimated annual spend and then think about the rewards you’re likely to be able to receive. If the real world value of the rewards are overshadowed by the annual fee then the card may not be the right option for you. Next you’ll want to compare the number of interest free days or interest rate, depending on if you pay off your balance in full each month or carry it from month to month. As with the other cards, once these crucial factors are taken into consideration, then add in the extra perks and benefits. Rewards cards can have high annual fees, but if you’ll use extra perks such as complimentary travel insurance you’ll receive much more value out of it.

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Pros and cons of exclusive deals


  • Get a deal not normally available to others
  • Save money on interest or annual fees
  • Kickstart your rewards point balance


  • Deals are limited time offers and may be limited to new customers only (check the terms and conditions of each deal)
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Things to avoid with exclusive deals

Before looking at credit cards with exclusive deals, have a firm idea of what you’re looking for. This reduces the chance of you applying for a card that you don’t need simply because it has an exclusive deal offered with it.

Keep in mind that these cards are just more competitive versions of existing card types.

This means if it’s a balance transfer card, you should avoid making purchases with the card until the balance is paid off. You should also know that moving your balance to a new card doesn’t close the old card, so if you wish to avoid paying the annual fee for nothing you’ll need to close it yourself.

With a purchase rate card you should only make purchases you know you can pay off within the promotional period. There might be the possibility to balance transfer the debt to another card but this isn’t guaranteed as you’ll have to apply for a new card again.

Cards with bonus points deals and rewards programs can be useful if you use them correctly. This means avoid paying interest, and avoid spending just to earn points. Both of these endeavours will see your points lose much of their value.

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FAQ on exclusive deals

Why can't I see this deal anywhere else on the internet?

These deals are secured by the finder.com.au team and are exclusive.

Why does the card issuer not know about these deals when I speak to their customer representative?

The internet is a sprawling mass of pages and 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 by phone?

These deals are only available to those visiting our site. To secure one of these deals you simply need to view them on finder.com.au and then click through to the card issuer’s website, where you apply securely.

Need more information on how to compare?

For information about how to compare the different types of credit cards in the market, read our guide for comparing.

These deals are only available to those visiting our site. To secure one of these deals you simply need to view them on finder.com.au and then click through to the card issuer’s website, where you apply securely.

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60 Responses to Exclusive Limited Time Offers & Deals

  1. Default Gravatar
    tash | March 3, 2016

    How do I overdraw

    • Staff
      Jonathan | March 4, 2016

      Hi Tash, thanks for your inquiry!

      You can learn about personal overdraft accounts on this page.



  2. Default Gravatar
    Eleya | January 26, 2016

    I have approx. $43k in debt across 2 credit card with 2 different banks and need to look at reducing this. Can you suggest a way to do this either by balance transfer or via a personal loan. I noticed that most balance transfer do not allow 100% transfer and I don’t want to have 2 balances again to pay off? Can you please off some suggestions?

    • Staff
      Jonathan | January 27, 2016

      Hi Eleya, thanks for your inquiry!

      Banks generally allow 95% of the approved credit limit for balance transfers. To ensure that both your outstanding credit card debts can be repaid on the same balance transfer offer/ credit card you may like to contact the bank whom you are interested in applying with directly so that they may better advise on how much credit they can lend you.

      I hope this helps.



  3. Default Gravatar
    Chris | October 18, 2014

    We currently use ANZ Platinum Visa and ANZ Platinum Amex cards so we can earn as many Qantas points as we can. We were thinking of dropping these and applying for the Citibank Emirates, as we believe we should be able to earn more points.We have never paid a days interest since we started using these cards over 10 years ago.
    Any suggestions
    Thank you

    • Staff
      Elizabeth | October 20, 2014

      Hi Chris,

      Thanks for your question.

      There’s a few things to consider when changing credit cards. If you haven’t been paying interest (ie. have been paying your balance back in full every month) then perhaps the interest rate isn’t going to be your biggest concern, but you still need to take it into account. The value of your rewards may be something to focus on, so you may want to consider the earn rate of the cards, how many points it takes to get a flight or other rewards, if there is a cap on rewards points earning. Namely, the value of the card. You may also want to consider the fees and other charges associated with the account as this could negate any value you receive from the card.

      I hope this has helped.



  4. Default Gravatar
    | August 23, 2014

    Hi Shirley

    You don’t seem to have any deals with points sign up bonuses that aren’t tied to particular frequent flyer programmes ( i.e Qantas ) other than ANZ Black, are their others I’m missing on your site?


    • Staff
      Shirley | August 27, 2014

      Hi Richard,

      Thanks for your question.

      Please have a look on this page if you haven’t already on Sign Up Bonus Credit Cards.


  5. Default Gravatar
    Tanya | May 20, 2014

    We are looking at using a card that we can use for all of our monthly expenses (except cash), so that we have all BPAY, groceries etc on this card and then pay it off monthly (within the interest free period). We earn $150K + annually. We are hoping to combine all of our expenses (so we can keep track of them) and to also hopefully use a rewards system, either flights or other services. Can you assist us in choosing the right card? It is so confusing. Thanks

    • Staff
      Shirley | May 22, 2014

      Hi Tanya,

      Thanks for your question.

      Unfortunately we are unable to recommend one specific card, but hopefully I can point you in the right direction.

      You may want to compare reward credit cards first and read through the reviews, this can help you decide whether the card will suit your personal or financial situation.


  6. Default Gravatar
    Chris | February 6, 2014

    Hi there I’m working full time earring about 1800 a fortnight. I’ve got a 8700 dollar credit card that I need to pay off whats the best bank that will do a balance transfer for this amount or what can I do to pay it of the best way?

  7. Default Gravatar
    Lesley | January 30, 2014

    I am looking to transfer a balance to an existing credit card (i.e. not a new card). Are there any such offers?

  8. Default Gravatar
    Noel | January 15, 2014

    With a “Balance transfer” new card, is it always the case that the old card is not closed. I ask this because I have registered the old card for some regular payments. Thanks.

    • Staff
      Jacob | January 15, 2014

      Hi, Noel.

      Thanks for your question.

      If you transfer a balance, the account you transfer the balance from remains open. You can continue to use your old account as usual.

      If you want to close your old credit card, you may need to switch over your direct debit agreements. This can be done by getting in touch with the merchant – gym, pay-Tv etc.

      I hope this helps.

  9. Default Gravatar
    Carol | January 12, 2014

    Do you have a credit card for pensioners?

    • Staff
      Jacob | January 13, 2014

      Hi, Carol.

      Thanks for your question.

      If you’re a pensioner, you can still apply for a credit card. The important thing is that you meet the application requirements. These minimum eligibility requirements are listed at the bottom of each card’s review. You can get to a card’s review by clicking on the product name in the comparison tables. If there is no minimum income requirement listed for a product, you will be assessed on your ability to service the minimum credit limit.

      I hope this helps.

  10. Default Gravatar
    Warren | January 7, 2014

    We spend somewhere in the regions of $50K per annum on credit card, but pay the full amount due each month and therefore do not pay any interest or charges. We currently have a “free” card i.e. no annual fee, although it does not provide a very good Rewards programme – not as good as we previously had with CBA. We are looking for a card that will provide frequent flyer points, we are not interested in balance transfer offers and we are not concerned about the interest rate as such (as we pay in full as mentioned above). I will now have another look at the Virgin cards on the site here, but do you have other thoughts as to best way of finding what we are looking for – there seems to be too many options. Thank you.

    • Staff
      Jacob | January 7, 2014

      Hi, Warren.

      Thanks for your question.

      Please have a look at our frequent flyer comparison page.

      You can click the comparison table headings to arrange the cards. You can also enter your spend into the top of the table and you can then see which cards will offer the highest value in rewards points.

      I hope this is helpful.

Credit Cards Comparison

Rates last updated August 27th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
9.99% p.a. $0 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 70,000 bonus Qantas Points on eligible spend, plus enjoy a 0% p.a. for 6 months offer on balance transfers.
20.99% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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