What Are Existing Customer Credit Card Offers?
Published on 1/16/2026
Some of the best credit card offers are only available to existing customers of a bank. In this post, I'll explain what existing customer offers are and how you can access them.
What Is an Existing Customer Offer?
An existing customer offer is a credit card promotion that's only available to people who already have an account with that bank. These offers often include:
- Higher bonus points than the standard public offer
- Reduced annual fees in the first year
- Exclusive cashback not available to new customers
Banks reward their existing customers because they already have a relationship with you and want to keep your business.
How to Become an Existing Customer
The easiest way to become an existing customer is to open a standard everyday banking account with the bank.
Most banks charge a small monthly account fee (e.g. $6/month), but here's the trick: if you keep $0 in the account, they don't charge you the fee. This means you can open an account, leave it empty, and still qualify as an existing customer.
Once you have an account—even with a zero balance—you're considered an existing customer and can access their exclusive credit card offers.
How to Find Existing Customer Offers
After you've opened an account with a bank, here's how to access their existing customer credit card offers:
- Log in to your internet banking or mobile app
- Navigate to Products or Services in the menu
- Select Credit Cards
- You'll see offers specifically available to you as an existing customer
These offers are often not advertised publicly on the bank's main website—you can only see them when logged in.
Banks with Notable Existing Customer Offers
Several Australian banks regularly offer enhanced deals for existing customers:
- NAB - Often includes reduced first year annual fees
- Westpac - Frequently offers fee waivers for customers with home loans or other products
- St.George - Similar offers to Westpac (same banking group)
- ANZ - Periodic exclusive bonus point offers
Final Thoughts
Existing customer offers are one of the best-kept secrets in credit card rewards. By opening a simple everyday account with $0 balance, you can unlock offers that aren't available to the general public. It's a small step that can lead to significantly better rewards.
