Exclusive Limited Time Offers & Deals
Posted March 6th, 2012 and last modified May 16th, 2013
The credit card marketplace is a maze of products, rates and features. We at CreditCardFinder.com.au pride ourselves on our ability to separate jargon from fact to present to you with the essentials needed to compare cards.
We are also proud of the exclusive deals we can offer to our readers. These can turn an ordinary card into something worth having a closer look at, or a card you’re already interested in that much better.
Exclusive Deals to Credit Card Finder
Some of these limited time offers feature lower balance transfer rates or an extension on the offers already advertised by card providers, and can see you save on debts you’ve been unable to shrug off. Some offers may lower fees or offer other reward incentives such as bonus rewards points, which will get you closer to rewards like free flights.
These deals aren’t offered anywhere else on the web but here at CreditCardFinder.com.au, so make sure you check this page often to see what’s available to you.
Read on below to see how an exclusive offer could see you save.
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.
How to compare an exclusive deal
Comparison is still the most important process before checking out any exclusive offers, so be sure to factor in any offers before deciding.
1. Ask yourself what the main purpose for your card will be – is it to pay off an existing credit card debt? Get rewards for everyday spending? Buy something and pay it back later?
2. Match your main reason to a specific type of card – If you want to pay down an existing credit card debt a good start might be a search of credit cards offering a balance transfer promotion.
3. Compare the offers specific to your purpose. A balance transfer rate of 0% p.a for 9 months may seem enticing at first glance, but make sure you consider the factors which could make this less attractive such as annual fees or fees for making a balance transfer. Looking for certain features could also help you save in long run.
If you’re a frequent traveller for example, complimentary travel insurance could help you save throughout the course of the year.
4. Once you’ve narrowed your options down, check out the exclusive offers available and see if any of these satisfy both your initial reason for taking out a new credit card, and secondary considerations such as fees. Compare these with the cards you’re already interested in.
Above all when considering any kind of credit card deal ask yourself whether or not the card provider is compensating for the offer with hidden fees or charges.
Plan through an average month of spending and see if you’d be paying less or more than your current card.
Once you’ve done this you’re more likely to choose a card which will benefit you in the long term. An exclusive offer, while attractive, shouldn’t be the only reason you take out a card. Just like a good rewards credit card, it should suit the type of consumer you are already.
For information about how to compare the different types of credit cards in the market, read our guide for comparing.
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20 Responses to Exclusive Limited Time Offers & Deals
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Credit Cards Comparison
* 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.
I’m going overseas soon and would like advice on best card to use (ie with lowest overseas ATM charge + lowest foreign currency conversion fee)
Hi,
Thanks for your question. There are a couple of options with regards to travel money. There are some travel credit card like the Bankwest Platinum range or the GE Money 28 Degrees MasterCard. You also have the option of looking at a travel money card or a travel debit card. These cards all have their advantages and disadvantages, please check our travel money page to compare and decide what the best option is for you – http://www.creditcardfinder.com.au/travel-money – Cheers.
Jeremy
I want a simple link to complimentarySecurePlus Express Membership. Options are bewildering. About to give up.
Hi,
Thanks for the comment. Check this page for a link for further information regarding Secure Sentinel products – http://www.creditcardfinder.com.au/credit-card-fraud-traps-and-scams-guide – Cheers.
Jeremy
Just wondering how long it takes to obtain a credit card – need one for an emergency now…..that’s all….
Hi Melissa,
Application and card delivery takes anywhere between 10 days and two weeks. The card has to be made and shipped out to your local lender. There may be ways to speed this process up but you will have to contact your lender directly. Thanks for the question.
Cheers,
Jeremy
Hi There,
I have a car loan with an outstanding balance of 7000 and am paying 10.99% interest on the loan. Will I be able to pay off the loan by credit card(cash advance) and transfer that outstanding balance to a “0% interest on balance transferred” credit card?
Hello Kev,
thanks for the question.
This is generally possible, although it will depend on the particular institutions you choose as to whether or not they allow this. Also keep in mind the new card provider will usually approve up to 95% of your approved credit limit, so this could limit how much you can transfer if you’re not approved a high enough credit limit.
I hope this helps,
Marc.
When doing a balance transfer are cash advances included in the balance transfer at 0%
Cheers
Steven
Hi Steven. Thanks for your question. All debts on the old card like cash advances, purchases and other balance transfers are included in the total amount transferred over to the new card. Cheers.
re the commonwealth banks low rate and low fee cards and the citibank clear platinum card – are purchases made on the cards during the 0%promo 5 and 6 month periods subject to interest charges if the card is not paid out in full each month
Hi Paul. Thanks for your question. The minimum repayment must be made each month – this is usually about 2% or 3% of the total outstanding balance. If you have an interest free promotion where 0% interest is charged for a set period of time, you will not accrue any extra interest charges, but the minimum repayment will still have to be made. Cheers.
We have a young family, pay our credit card in full each month and are needing a card with a high reward of frequent flyers points but not an Amex. I am leaning towards Woolworths due to our spending at these companies. Which do you suggest?
Hi Nadine. Finding the rewards credit card that’s right for you will depend on how and where you spend on the card – finding the right credit card is a personal question. You will have to compare your options and look for the rewards return on a card in comparison with the annual fee. Find out how much you will have to spend to get the cost of the annual fee back in rewards – this will give you an indication of whether a card will be cost effective. Check our rewards card comparison page for further information. Thanks for your question.
I’m wondering if there is a credit card offering free travel insurance that will cover a pre-existing medical condition. (My husband, aged 66 now, had one stent put in 12 years ago but has excellent health ever since)
Hi Ali. Thanks for your question. You can do this, but there may be an additional excess to cover a pre-existing medical condition, which may be approx. $45 – $100 depending on the provider you choose to go with. For more information please read the terms and conditions of the insurance policy from the provider you choose. These policies can be found on the insurance provider’s website (Zurich, QBE, Chubb etc.) For more information on complimentary travel insurance, have a look at a video we made covering the basics.
i have bad credit due to medical issues. plus i am getting married in sept. would like a credit card to pay medical bills and a few things for my ver small wedding on a mountain top. willing to have payroll deduction done to pay it off. thank you, sandra
Hi Sandra. Thanks for your question. You will need to take this request to a contact you have with a bank or lender. Your wedding sounds lovely (all the best). Please use this site to compare your options, once you’ve found a credit card or personal loan you would like to apply for, please continue on to apply for the product. Sorry we can’t be of more help. Jacob.
I am looking for a card which earns both Qantas Frequent Flyer points and Virgin Velocity points – is there such a product? Card will be ‘wiped’ each month so interest rate should not be an issue. My preference would be Mastercard/Visa rather than Amex.
Hi Tony. Thanks for your question. Such a product does exist, but it’s not a direct earn product. You will have to go for a card that lets you earn rewards with the card provider, which you can then transfer to a frequent flyer program. Please check this page for information about rewards programs that let you transfer to different frequent flyer programs and the conversion rates. After you have had a look at that page, check this page for a comparison of rewards credit cards. Let me know if you have any further questions. Jacob.