| Best Offer For | Credit Card | Offer | Annual Fee | Rewards Points Bonus | MyCard Prestige | 250,000 Reward Points | $700 |
|---|---|---|---|
| Qantas Points Bonus | ANZ Frequent Flyer Black | 130,000 Qantas Points & $200 back | $425 |
| Velocity Points Bonus | Westpac Altitude Velocity Black | 150,000 Velocity Points | $370 |
| Balance Transfer | ANZ Low Rate | 0% for 26 months & 3% fee | $58 |
| Cashback Bonus | St. George Vertigo | $450 cashback | $55* |
Looking to get a new Australian credit card soon? If so, you might find this post helpful, as we've put together the top credit card offers in Australia with affordable fees for this month for you to consider.
Each of the offers have their own set of terms and conditions that we point out below as to help guide you, but always read the T&Cs fine print before you apply for a new credit card.
For the bonus points and cashback offers remember that you must meet the specified spending criteria amount to recieve the offer. Plus, you need to do this in the mentioned time period (e.g., within 3 months of receiving your card), and you usually only qualify for a card offer if you haven't had that same card recently (usually within the last 12 months).
If you’re unsure or can’t find an offer that meets your needs, don't worry, as there are a lot more card options to choose from. In each category we provide a link for you to click on to see a full list of credit cards so you can compare similar offers and hopefully find one that is perfect for you.
Click appropriate links to see the full list of: top bonus points offers, best velocity bonus points, best Qantas points offers, or cashback bonus offers.
MyCard Prestige (formerly Citibank card)
Why We Like It:
The MyCard Prestige card is an excellent option for those seeking a sizable early reward points surge with a credit card.
Customers spending a minimum of $10,000 within the first 90 days from approval receive a hefty 250,000 Citi reward points. Expect to receive your bonus points 6 to 8 weeks after fulfilling the spending criteria.
Accruing more points is quick and straightforward with this card. You’ll gain 1 MyCard point for each dollar spent on eligible domestic purchases. This doubles to 2 points when purchasing from major Australian supermarkets, petrol stations, and national retailers.
You’ll receive an impressive 3 points when transacting with major airlines, hotel chains, and restaurants. Additionally, the card acknowledges your international purchases by awarding 3 points on international retail transactions made abroad or online.
The Citi Prestige card has a standard interest rate of 22.49% p.a., and the annual fee is $700 p.a.
The minimum credit limit for this credit card is $20,000.
Extra Benefits:
You can include up to 4 additional cardholders at no extra cost.
You will also receive a Priority Pass membership with the card that provides unlimited airport lounge access for you and one guest. Why stress over flight delays when you can wait comfortably?!
Enjoy a 'fourth night free' on Luxury Escapes bookings with a credit back of up to $1,000 per stay (available 4x per year). You also get 10% off selected Expedia and Wotif hotel bookings to keep your travel costs down. Luxury Escapes up to 15% Discounts ($500 per booking) off Hotels Overseas and up to 10% off on Hotels within Australia (up to $500 per booking) or Overseas tours (up to $250 per booking).
Enjoy the luxury of a premium transit experience with up to $100 cashback on your next Uber Premier ride.
MyCard Reward's has numerous travel partners so that cardholders who are frequent flyers won't have any trouble converting their accumulated MyCard rewards points into frequent flyer miles.
The card offers a range of insurances for travel and shopping, which include domestic and international travel insurance, extended warranty, purchase protection, and smartphone screen insurance. Plus, this card supports mobile payments, but only via Apple Pay.
Income Eligibility:
There is no minimum income requirement.
ANZ Frequent Flyer Black
Why We Like It:
The ANZ Frequent Flyer Black presents an impressive combined Qantas points and cash back offer.
You'll receive a unique bonus of 90,000 Qantas points and $200 back when you spend $5,000 on qualifying purchases within the first 3 months of card approval. Plus, an additional 40,000 Qantas points when you keep your card open for over 12 months. This bonus on its own enough to book a complimentary return trip to numerous destinations. However, note that this offer is solely for brand new ANZ frequent flyer cardholders or those who haven’t had one in the last 24 months. Bonus points are credited 3 months after achieving the spending criteria.
Everyday purchases generate 1 Qantas point per $1 spent on eligible transactions up to $7,500 per month, after which 0.5 Qantas points are earned per dollar spent. You also acquire additional points on Qantas products or services with 1 bonus Qantas point per $1 spent and you'll be pleased to know that all point earnings on the card are uncapped.
The card's interest rate is set at 20.99% p.a. The annual fee is $425 p.a., and the minimum credit limit is $15,000.
Extra Benefits:
Elevate your flight experience with its 2 complimentary Qantas Club lounge passes annually and discounted Qantas Club membership in your first year, saving you up to $497.
This card provides access to Exclusives ANZ and VISA Entertainment, offering unique invitations to enjoy extraordinary entertainment and lifestyle events. You can also utilize the 24/7 concierge services included with the card for assistance with bookings or event planning.
If you do become a cardholder, be sure to utilise the included travel-related insurance, like rental excess cover, overseas travel and medical cover, and interstate flight convenience insurance.
Enjoy more secure shopping with the card, too, since it offers free extended warranty on eligible transactions and 90-day purchase protection.
Lastly, the ANZ Frequent Flyer Black card makes mobile payments a breeze. Finalise transactions using your smartphone or wearable device with numerous tap-and-pay integration options.
Income Eligibility:
There’s no minimum income set for this card.
Westpac Altitude Velocity Black
Why We Like It:
If your main goal is to collect as many Virgin Australia points as possible so you can book your next holiday or upgrade to business class, the Westpac Altitude Velocity Black is the absolute best card on the market for the job.
The biggest reason we love this card is the massive 150,000 bonus Velocity Points it offers to new cardholders. Westpac splits this bonus up into two parts to keep your points growing over time. You will get a huge chunk of 90,000 Velocity Points right away when you spend $6,000 on eligible purchases within the first 90 days of getting approved. Then, you will get another 60,000 Velocity Points in your second year when you meet that same spend requirement within 90 days of your card anniversary.
We also think this card offers the best value for your money. While many luxury frequent flyer cards charge massive annual fees between $400 and $700 just to hold them, Westpac keeps it much more affordable with a $295 annual card fee plus a $75 annual rewards program fee. And if you're already bank with Westpac, you can log into your account to apply and they will often drop that first-year card fee down to just $200.
Extra Benefits:
Aside from the massive points bonus, this card is packed with premium travel perks that make your airport experience much more comfortable and easily pay for the cost of the card itself.
For starters, you get two free Economy X seat upgrade vouchers each year on selected domestic flights, giving you extra legroom and priority boarding.
When it comes to everyday spending, this card helps you rack up points quickly. You will earn a high rate of 1.2 Velocity Points for every dollar spent overseas, 0.8 points for every dollar spent locally on your everyday shopping, and 0.5 points per dollar on all other eligible expenses. Then, if you reach a total of $10,000 spent, you will earn 0.25 Velocity Points per $1 spent for the rest of that statement period
On top of that, you will receive up to six months of complimentary international travel insurance, interstate flight inconvenience insurance, and a rental car excess waiver, saving you from having to buy separate insurance policies when you travel.
To make shopping safer, built-in buyer protections apply when you pay with your card. With Purchase Protection Insurance, most new items are automatically covered against accidental loss, theft, or damage for up to four months from purchase. Additionally, Extended Warranty Insurance automatically extends the manufacturer's standard Australian warranty by up to 24 months on many personal items, giving you total peace of mind without extra store warranties.
Finally, you get 24/7 access to a personal concierge service that can help you book event tickets or hard-to-get dinner reservations.
This card permits up to 1 additional cardholder at no cost.
Income Eligibility:
To be eligible for this card, you must have a minimum before-tax income of $75,000 a year. Along with meeting the income rule, you also need to be approved for a minimum credit limit of $6,000, which is standard for a premium card like this.
ANZ Low Rate
Why We Like It:
The ANZ Low Rate card is a standout choice for those looking to tackle existing debt with the longest interest-free period currently available in Australia.
With this card, you get a substantial 26-months to pay down your transferred balance without being charged interest. While there is a 3% balance transfer fee applied at the start, the long lead time can provide significant savings. Note that any remaining balance at the end of the 26 months will revert to the cash advance rate, which is currently 21.99% p.a.
You can transfer up to 95% of your new credit limit, giving you plenty of room to consolidate multiple debts.
The card features a low standard purchase rate of 12.49% p.a. and a low $58 annual fee, which is waived for the first year with its balance transfer offer.
Extra Benefits:
The card offers practical features for everyday use. It is compatible with a wide range of mobile wallets, including Apple Pay, Google Pay, and Samsung Pay, for easy tap-and-go payments.
Income Eligibility:
There’s no minimum income to worry about when applying for this card.
NOTES About Balance Transfers:
Balances Transfers can be requested after opening your credit card account. Make sure you make at least your minimum repayments each month, though, as this is a requirement to keep the promotional 0% rate active.
Balance Transfer Tip: Resist the urge to spend lots on your card to pay off your credit card debt via a balance transfer. However, if you know that you'll need to be spending on the card, too, it’s worth looking at a balance transfer offer on a no-interest credit card. This means that if you pay your monthly spending off each month, you can avoid paying interest on new purchases.
Click to explore more of the best balance transfer offers.
St. George Vertigo
Why We Like It:
The St.George Vertigo card is one of the best in the market when it comes to enjoying a low purchase rate combined with a frequent flyer program. It also wins for the Best Balance Transfer offer, as mentioned above.
For those interested in a great cashback deal, though, the Vertigo card is really a winner. Earn up to $75 monthly cashback ($450 total) when you spend $1,000 on eligible expenses each month for 6 months. After meeting the spending criteria, the bonus cash will be credited to your account within 30 days.
However, keep in mind that this cashback offer is only available if you haven’t held a credit card with St.George, Bank of Melbourne, or BankSA in the past 12 months.
Note that you can’t accumulate rewards points on balance transfers, but the card is solid when it comes to the annual fee and interest rate. For just $55 annual fee, you’ll get access to the card plus a good, low rate of 13.99% p.a. interest. Are you already banking with St. George? If so, then you'll luckily pay no annual fee in your first year! If you can’t pay your card balance off monthly, this low-ate card can help you accrue fewer interest charges, in turn.
Additionally, the Vertigo card boasts a low credit limit of just $500, perfect for those struggling to meet higher credit card eligibility requirements.
Extra Benefits:
You’ll also enjoy complimentary access to Visa Entertainment membership as a Vertigo cardholder, giving you handy access to more entertainment and travel deals online.
Also, you can use payment apps such as Apple Pay, Fitpay, Google Pay, and Samsung Pay with this credit card.
Income Eligibility:
No set minimum income is listed for this card.
We hope you found the list of the best credit card offers for July 2026 helpful! You’ll also find many more credit card rundowns and “best of” listings throughout our website, so don’t forget to take a look around for other offerings that might suit your needs better.
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