Special Credit Card Offers

Updated 3 August 2020

Enjoy access to special offers by checking out what’s hot right now, right here on this page. Uncover the best deals to really make the most of your credit card.

While we don’t like to brag, we are the credit card experts. At CreditCard.com.au, we live and breathe credit cards, which is why have access to a range of exclusive offers that you can’t get by going direct to the provider. That’s right, this is the place to be to find exclusive deals and offers on credit cards of all shapes and sizes.

Perhaps you want to boost your points earning by signing up for an exclusive bonus points deal. These kind of offers can offer incredible value, often making the annual fee pay for itself in the first year. Or maybe you’re more interested in saving money? You could do this through an exclusive offer on balance transfers or purchases, or on annual fees.

Of course, offers are only the start. There is much more to a card than simply its offer. Which is why we make it quick and easy to compare essential features such as annual fees and purchase rates at a glance, simply by looking at how filled-in each circle or bar under each feature is. The more filled-in it is, the stronger the feature.

Credit cards and their offers change day-to-day. So, even if you don’t see a deal that works for you today, check back soon to find new offers as we update them. In the meantime, be sure to check out the amazing selection of offers on balance transfers, 0% purchase offers, no annual fees and bonus points throughout the rest of the site.

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CreditCard.com.au has access to a range of offers you cannot get from the banks directly. We update these regularly, come back soon to review what's available.

Comparing credit cards can get tricky – especially if you don’t have Creditcard.com.au to help.

Not only do you have to decide which type of card you need – whether that’s a low rate card, a no annual fee card, a rewards card or a platinum card – you also need to consider how much the card will cost when weighed up against the various features it offers.

Luckily, you have CreditCard.com.au on your side. Not only can you compare a multitude of different types of cards side-by-side, you can also easily see how much the card will cost in fees and interest, as well as all the features, rewards and extras on offer.

But that’s not all. Coming straight to you with some of the best deals in the business, you can find a range of exclusive online credit card offers, right here, right now.

What is an Exclusive Online Credit Card Offer?

Exclusivity can be pretty darn exciting. When you enjoy something that is exclusive, it means you are benefiting from something other people may not have access to. Fortunately, with our exclusive online credit card offers, you don’t need a special invitation.

All you need to do is check out this page.

As credit card experts, we have access to exclusive online credit card offers that may not be available anywhere else. These deals may not be available on other sites, and they may not be available by going direct to the credit card provider.

Why do we offer exclusive online credit card offers? That’s simple. We want you to get the best deal on your credit card! Whether that means finding you the perfect 0% purchase offer, a handy $0 annual fee offer, or an awesome introductory bonus points offer.

Whatever offer you think you will benefit from most, we want you to find it!

How does an exclusive online credit card offer work?

With an exclusive online credit card offer, you will only find it online – and it will only be available to you if you apply online. Happily, applying for a credit card online is usually pretty simple.

While applications may differ according to the credit card provider, applying typically involves completing an online application form, providing essential info as needed. The credit card provider then assesses the application, either asking for further info as needed, or providing a decision straight away.

The whole process can be done and dusted in as little as ten minutes. Then, all you need to do is wait for your card to arrive in the mail – so you can start taking advantage of those exclusive online offers.

How much could you save with an Exclusive Online Credit Card Offer?

Working out how much you could benefit from an exclusive online credit card offer is a great way to assess the value of that offer. However, how you calculate that value will depend on the type of credit card offer.

With a purchase offer, you need to think about what purchases you’d like to make and how much you would save on interest compared to a standard card. A purchase offer can be a great money-saver when you need to make a big purchase.

With an annual fee offer, you need to look at how much the standard annual fee is. As long as you’re willing to pay that annual fee after the offer ends, this can also be a great money-saver.

With a bonus points offer, you need to think about how much those points equate to when redeemed, as well as how much you need to spend on the card to be eligible.

With a balance transfer offer, you need to work out how much you would pay in interest on that balance if you stick with your current card. A balance transfer calculator can help with calculation.

Time to compare the options! Check out the deals on this page to find a great range of exclusive online credit card offers and apply for the card that works best for you. Easy!

When you choose a card with an introductory offer, you usually have to perform something of a balancing act, weighing up what the card has to offer against what the offer provides. But is there one that is more important than the other? That depends on you.

Putting the offer on top.

You are only interested in the offer. If you are focused on paying down debt, you may only be interested in the card’s balance transfer offer. If this is the case, you may not even use the card as a credit card, and simply use it as a tool for paying off your transferred balance. Similarly, you may only want to use a card for its purchase offer, buying what you need now, to take advantage of zero interest as you pay off your spending.

You don’t plan to keep the card. Some cardholders only apply for a card to make use of its introductory offer. After the offer has served its purpose, the cardholder closes the account. You may choose to apply for a card to get your hands on a nice chunk of bonus points, but in the long term the card does not offer value, so you close the account. You may also choose to do this on a card with a reduced annual fee, where you make use of its features at a lower cost for the first year, then cancel it before the standard annual fee kicks in.

Putting the card on top.

You think of the offer as an extra. For many cardholders, an introductory offer is just an added extra. Something that’s nice to have, but not really a deal-breaker. If this is you, the most important thing is what the card can offer over the longer term, while the intro offer is something handy you can make use of.

You’re not interested in the offer. In some cases, new cards can provide a number of introductory offers as a package deal. While you may be interested in one part of that offer, the other parts of the offer are of no interest. This may be the case if you want to take up a card’s bonus points offer, but you are not interested in transferring a balance to make use of its balance transfer offer.

If you want to choose the right card – with the right offer – you need to know how to compare your options. Whether you put precedence on the offer, or on the card itself, here’s what you should look for as you assess all the important criteria.

Comparing Offers

  • Bonus Points: While it’s always important to look at how many bonus points are on offer, you should also check how much you need to spend on the card to be eligible for those points. Make sure the spend is do-able, and that you can afford to pay it all back before it accrues any interest.
  • Annual Fees: Think about how much the offer will save you, while also taking into consideration what those savings give you access to. On classic cards, you are likely paying no annual fee for a year to access credit and limited features. On a platinum or black card, you could enjoy much more. This could give you the chance to earn rewards for ‘free’, while trying out fancy features, such as airport lounge access and hotel stays. Just make sure you can afford the regular annual fee and that you meet the eligibility criteria.
  • Balance Transfers: With this type of offer, you typically want to look for the lowest balance transfer rate offered over the longest period of time. Be sure to take into account other factors such as balance transfer fees and what rate the transferred balance reverts to at the end of the introductory period.
  • 0% Purchases: Again, getting the best deal on this type of offer means finding the one that offers the lowest rate over the longest period of time. While it’s best to pay off your purchases before the end of the introductory period, it’s still a good idea to check the standard purchase rate on the card.

Comparing Cards

Introductory offers are designed to entice. But, no matter how appealing an introductory offer is, it’s still important to check over what else the card has to offer – and to always read the small print.

  • Annual Fee: Your credit card should always provide value. One of the easiest ways to check whether a new card will offer you value, is to compare the dollar value of everything it has to offer against how much it charges in annual fees.
  • Interest: If you carry a balance, the interest charged on your new card is of the utmost importance. In your case, a low rate card is likely your best bet. On the other hand, if you know you will always pay off your balance each month, your card’s interest rate needn’t be a priority.
  • Fees: Check the small print to find out how much your new card charges in fees that might apply to you. An example of this may be foreign transaction fees, especially if you travel overseas regularly, or if you shop online at international retailers.
  • Features: Looking at the various features on offer will help you work out how much value the card offers you, and whether the annual fee is worth paying. Be sure to think about whether you will actually use the features, as features that are never used don’t offer any value.
  • Rewards: Work out how many points you are likely to earn each year, then weigh the dollar value of those points against the card’s annual fee. Also make sure the rewards on offer are of interest to you, and that the type of spending you do most will be rewarded accordingly.

Comparing fees and charges on credit cards with exclusive online offers is really no different to the process of checking out costs on standard credit cards.

As a cardholder, you will need to think about how you will use the card and what features you will need, to then think about how much you are willing to pay. Here are some factors you may want to keep in mind when comparing the cost of credit cards with exclusive online offers.

  • Purchase Rate: If you tend to carry a balance month-to-month, the purchase rate will be very important. Choosing a low rate credit card or a credit card that has a 0% purchase offer may be a good idea.
  • Annual Fee: Unless you opt for a no annual fee credit card or a card with a $0 annual fee offer, you will pay an annual fee each year to keep the card in your wallet. The key to making that annual fee work for you is to choose a card that provides more value in features than you pay out in fees.
  • Balance Transfer Rate: If you choose a card with an exclusive balance transfer offer, you should pay attention to the balance transfer rate and the length of the offer, to see how much you could save. Also take note of the rate unpaid balances revert to at the end of the intro period.
  • Small Print: If you want to make the most of an exclusive offer, you need to check the small print. To be credited with bonus introductory points for example, you may need to spend a specific amount on your card within a given period of time. Make sure the specifications are attainable, and that you’re not spending simply to get back something of lower value in return.

Just as there are many different types of credit cards, there are also many different types of credit card offers. To find the right offer, think about what you would benefit from most, and check this page to find the best deal!

Exclusive Purchase Offers: This type of offer allows cardholders to make purchases on their card at a lower rate of interest over a given period of time. For example, with a 0% p.a. purchase offer over 12 months, you would pay 0% p.a. on purchases for the first 12 months from card approval.

Exclusive $0 Annual Fee Offers: This type of offer waives the annual fee on the credit card for the first year, or for the life of the card. This could save you a substantial sum of money, but be sure you are willing to pay the standard annual fee, or cancel the card before the annual fee is charged.

Exclusive Bonus Rewards Points Offers: This type of offer provides bonus rewards points on a rewards credit card. These can be redeemed within the rewards program, but may involve a certain credit card spend to be eligible.

Exclusive Balance Transfer Offers: This type of offer allows cardholders to transfer a balance from an existing credit card to enjoy a lower rate of interest. To take advantage of this offer, cardholders should choose the offer with the lowest balance transfer rate offered over the longest period.

Still wondering whether a credit card with an exclusive online offer is for you? Here are some pros and cons to help make up your mind.

Pros

  • You can easily find exclusive online credit card offers here at Creditcard.com.au.
  • Credit cards with exclusive online offers are usually easy to apply for.
  • You can compare fees and charges side-by-side.
  • You can compare features and rewards side-by-side.
  • You can save money or simply get more from your credit card.

Cons

  • None that we can think of

Recently Asked Questions

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17 questions (showing the latest 10 Q&As)

Kitty

Kitty

26 May 2020
IHi Roland s there a credit card company tbat genuinely considers sole income from centreline benefits such as DSP and FTB or any type pension, thank you in advance
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 May 2020
    Hi Kitty, I would think that ANZ and Westpac would both consider this. Approval will depend on not only income but vs expenses. Assets v liabilities and your credit history. You should apply for 1 piece of credit over a 6 month period as a maximum. Otherwise you can get auto-declined and heavily impact your credit score. I would also talk to your everyday bank (if not one of these). Where your pension is deposited. To see if they can help with a small limit e.g. $500. Its about starting off small then building from there. Issue now with COVID-19 is that the banks are getting tighter. So approvals are now harder than they were before. Have a look at the ANZ First.
Nikki

Nikki

7 April 2020
Hi Roland, further to my previous question. I can see the American Express Business Explorer Credit Card has no annual fee for the first year. Is it possible to use this card for personal use? Ad cancel after the first year? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 April 2020
    Hi Nikki, as a business card, you will need to apply through a business only. Therefore it is not an option. If you want the big points. You are going to have to spend something on the 1st year annual fee.
Alexander

Alexander

15 August 2019
Hi Roland, what is the best credit card to use for a monthly spend between $4k and $6k? Interest rates aren’t an issue as balance is paid monthly. At what point are the rewards worth the annual fee? Cheers
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 August 2019
    Hi Alexander, it will depend on the annual fee, spend and then what other features of the card you use. This will determine whether a card is worth it or not. Bonus points can definitely push up the value on any credit card sign up. What rewards you are interested in will also guide you. On that spend, if you like Qantas points. The NAB Qantas Rewards Signature could be the go. They are supping up the offer today to make the bonus points up to 120k. For Velocity points, have a look at the Virgin Australia High Flyer. AMEX is the still hanging in as the king of rewards. So if you can use an AMEX without any surcharges on your spend. Then AMEX have a great range of rewards cards that could work. https://www.creditcard.com.au/american-express-credit-cards/
Karen

Karen

31 March 2019
I have a go mastercard & a Lombard card & I am want to consolidated the debt I am just wondering what my best option is
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 April 2019
    Hi Karen, the Lombard card is a line of credit rather than an actual credit card. Therefore this greatly limits any offer you can go for. Have a look at the Citi Rewards Platinum. Citi are the only issuer in Australia that will accept non-Citi loan debt as part or all of the transfer.
Monica

Monica

25 February 2019
First credit card ever how do i choose
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 February 2019
    Hi Monica, really difficult. I think its best to start somewhere. Then review your usage and look to change your card within a year. Most important is proper credit card use. That is paying off your balance in full each month to avoid paying high interest. A card like the Westpac or ANZ Low rates can be a good start. Then if you don't hold balance you can look more into cards that will earn you rewards.
Greg

Greg

6 January 2019
What are the best cards to consider for a transfer that has a long 0% time period plus a low revert rate?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 January 2019
    Hi Greg, all cards these days seem to revert to the cash advance rate. Therefore I am not aware of any with a low revert rate. I like the St George Vertigo Platinum online offer. Having no balance transfer fee and 0% for 24 months is a good deal. If you are getting close to the 24 months being up. You can always look to balance transfer the amount again, subject to credit approval. This would give you more time to pay the debt down before high interest kicks in.
Saadia

Saadia

3 November 2018
What would be the best credit or charge card with not a perfect credit score
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 November 2018
    Hi Saadia, credit score is one thing but approval will depend on a range of factors. What type of card are you looking for? e.g. earn Qantas points or low interest. How much will you spend each month? Will you pay it off in full each month? If you can get back to me I can provide some suggestions.
Peter

Peter

2 October 2018
Hi Roland, I currently have an AMEX card which give us really good points and we use as our main card. However, we would like a good VISA/Mastercard to compliment the AMEX for places it isn't accepted. We currently have an old one that we pay for with no reward points. We spend around $1500 a month on this supplementary card (We always clear the balances on all our cards and have never paid interest) In regards to travel, we want to organise a trip to the US, and maybe Japan in the coming years. What would you recommend as a good complimentary rewards card for the amex? Maybe one recommendation for travel perks and one for gift cards etc. Thank you for any advise.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 October 2018
    Hi Peter, at around 18k annual spend on the card. This does not leave much more earning rewards. For me though, I can't go past the ANZ Rewards Travel Adventure card. It has a $225 annual fee but if you can use the free return domestic flight it will more than pay for itself. What I really like for your situation is the fact this card has no foreign fees. With AMEX you pay 3% in foreign fees on any transaction. This would be great to use in the US, Japan or anytime you spend in another currency. The bonus points are nice with the exclusive only offer. Not sure what AMEX you have but the ANZ card has a good amount of insurance on it also. Its not a great points earner but with that minimal spend a month you will earn 1.5 ANZ rewards points per $1. Still will add up and can transfer to Velocity points. Let me know if this card does not suit.
Krista

Krista

12 August 2018
I don't need a credit card for overdraft, but for travel, international atm use, currency conversion and international transfer, with no annual fees. Any suggestions? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 August 2018
    Hi Krista, you will get hit with cash advance fees generally on a credit card if you try to pull out cash overseas. Have a look at the 28 Degrees credit card. It has no foreign fees and no annual fees. If you don't need a credit card then check out https://www.ing.com.au/everyday-banking.html. This visa debit account can provide fee free when overseas if you meet the requirements as another option. On the credit card side, the ANZ Travel Adventures rocks. It has a $225 annual fee but you get a return domestic flight a year that will more than cover it. It has no foreign fees and also no cash advance fees if you pull money out overseas. This is the best credit card that I know for pulling cash.
matthew killmore

matthew killmore

29 July 2018
what credit cards use Experian. my score is 629 .. Equifax 309
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 July 2018
    Hi Matthew, I do not know which banks use what credit reporting. Approval will depend on a range of factors. Key are your income v expense, assets v liabilities and your credit history. What card are you looking to apply for?
Melissa Massey

Melissa Massey

10 July 2018
I was just wondering, just based on the balance if it all, what the best card overall seems to be. I believe annual fee might be the best course of action overall. I am a single mother (earning roughly 32k per year), and wish to apply or a card that uses experian for its credit checks. Is there a card you would recommend?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 July 2018
    Hi Melissa, all banks have there own way of evaluating credit applications and they do not share this. Big factors for being approved are your income v expenses, assets v liabilities and then your credit history. If you have other credit cards, they should be under 85% of the credit limit. When you are over 85% this is reported and is a negative. What type of features are you looking for? Are you wanting to transfer current debt? If so from what card and how much? The Virgin low rate is currently a reasonable package. The ANZ Low Rate is one of the easier cards to be approved and again has a reasonable annual fee and interest rate on purchases.
Katrina

Katrina

28 June 2018
i do not want a balance transfer but am looking for a short term credit card or loan that provides a reasonable credit rate for $20,000 cash
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 June 2018
    Hi Katrina, typically credit cards are not the best solution for cash as the rates are high. I would look at low rate personal loans as an option. The other issue is getting a low cash rate then also getting a 20k limit. A low cash rate card is something like the ME Frank with 11.99% p.a. interest. Though its maximum credit limit is 15k. Most credit cards have a cash rate over 20%. You just need to get a more high end card to get that sort of limit.
Phillip

Phillip

13 June 2018
Is it possible to get a credit card in australia with a low credit score and if so which would be the best one
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 June 2018
    Hi Phillip, it is possible but will be difficult. Approval depends on a range of factors. Key ones are income v expenses, assets v liabilities and your credit history. If any don't look good then it can be tricky to get approval. I find that the ANZ First credit card could be a go.
Suzana Necovska

Suzana Necovska

4 June 2018
Hi Roland !! Can I get a credit card with a bad credit paid defaults?? If I can which one can I get ??? Regards Suzana
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 June 2018
    Hi Suzana, unfortunately there are no credit cards that approve you on bad credit. Typically you might have to wait until the defaults drop off your credit file before you will be approved.
Peter best

Peter best

10 August 2017
I'm on a temporary visa, I have a Comment Bank credit card for my expenses, what card can I get
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 August 2017
    Hi Peter, depending on your visa length and other factors many banks may provide you with a card. HSBC, Westpac and St George are all banks that will accept people on temporary visa holders. What are you looking for from a credit card?
Anne

Anne

3 August 2017
Hi, I'm looking for a card with no annual fees and good rewards points. I'm currently using Westpac Amex and MasterCard The Woolworths offer looks good. What is my best option please? Anne
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 August 2017
    Hi Anne, good reward points and higher annual fees go hand in hand. How much do you spend a month? Do you want Qantas points?
BETTY WIGGINS

BETTY WIGGINS

20 June 2017
how much is the payments a month on $4ooo. i just wanted to know before i get into it because i am on the pension and i am careful with it make sure i can pay it thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 June 2017
    Hi Betty, the minimum monthly payments of this card is 2% of the balance. Therefore taking into consideration the annual fee, the payments would be around $81. This is based on no further purchases or cash advances made with the card.
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