Exclusive Limited Time Offers & Deals

Information verified correct on October 21st, 2016

From bonus reward points to 0% interest rates and reduced annual fees, discover exclusive, limited time offers and deals for credit cards.

Credit card companies regularly provide special offers for new customers. These features, such as additional frequent flyer points or balance transfer deals, are designed to add value to the card you choose.

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

Rates last updated October 21st, 2016.

Westpac Altitude Black - Exclusive Offer

New exclusive offer of 100,000 bonus Altitude or Qantas Points which is valid until 5 January 2017

October 18th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Platinum Credit Card - Exclusive Offer
Exclusive Offer to finder.com.au

Pay no annual fee for the first year and take advantage of 0% p.a. interest rates on purchases and balance transfers.

0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you spend $5,000 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
20.24% p.a. $395 p.a. Go to site More info

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:

  1. Click the “Go to site” button. You will then be taken to a secure application page.
  2. Fill out the application directly from this page, including any information relevant to the exclusive offer, such as balance transfer details.
  3. 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.

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62 Responses to Exclusive Limited Time Offers & Deals

  1. Default Gravatar
    Stu | October 4, 2016

    What is eligible spend & how does it work with business & banks

    • Staff
      May | October 4, 2016

      Hi Stu,

      Thanks for your question.

      Usually, an eligible spend is required when a credit card offers promotions and bonuses. Depending on the type of the card (either personal or business), it is typically a set amount of money that you are required spend on your card generally for eligible purchases. You can find more information about the eligible spending criteria in the T&Cs of the relevant card.


  2. 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.



  3. 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.



  4. 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.



  5. 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.


  6. 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.


  7. 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?

  8. 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?

  9. 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.

  10. 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.

Credit Cards Comparison

Rates last updated October 21st, 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.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 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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