| Credit Card | Cashback Bonus Offer | Annual Fee | St.George Vertigo | $450 | $55* |
|---|---|---|
| Westpac Low Rate | $450 | $59 |
| Commbank Low Rate | $420 | $72* |
| Commbank Low Fee | $240 | $0* |
For many people, cash back offer credit cards are one of the most attractive card options on the market. Unfortunately, though, these offers are sometimes hard to find. So we’ve done our research and compiled some of the best bonus cash back offer credit cards in Australia for 2026 for you to consider.
Note: Before selecting a card, keep in mind that cash back deals require a minimum spend amount on the card within a specified timeframe. As such, you must always follow the guidelines and meet the criteria to get your cash back percentage monthly.
Check out some other similar articles for credit card solutions:
Top 5 Bonus Offer Credit Cards, Best Rewards Credit Cards, or Best Frequent Flyer Credit Cards.
St.George Vertigo
Why We Like It
The St.George Vertigo packs a punch when it comes to cashback offers on grocery shopping and petrol outlets. Earn $75 monthly cashback ($450 total) when you spend $1,000 on eligible expenses each month for 6 months. Then 30 days after meeting the spend criteria the bonus cash will be credited to your account. But to be eligible for this offer you must have not held a St.George, Bank of Melbourne or BankSA credit card in the last 24 months.
The annual fee is $55 per annum, which is affordable for many, or if you're an existing St.George customer you pay no annual fee in the first year, and it comes with 55 interest-free days per period.
It has a decent low rate of 13.99% p.a., thus being a suitable card for those who can't pay off their full balance each month.
If you’ve struggled to meet credit card eligibility requirements or to get approved in the past, consider this option, since it starts from a low credit limit of only $500.
Extra Perks
Have access to more entertainment and travel deals online through its complimentary Visa Entertaiment membership.
The card can be used on payment apps Apple Pay, Fitpay, Google Pay, and Samsung Pay.
Income Eligibility
No set minimum income required.
Westpac Low Rate
Why We Like It
The Westpac Low Rate credit card offers $75 cashback for every $1,000 spent on eligible purchases each month in the first 6 months after card approval. After meeting the spend criteria, the cash is credited to your account within 60 days. (If you're currently a Westpac credit card customer, or have had a Westpac credit card in the last 24 months, you are not eligible for this cashback offer).
The annual fee for this card is $7 per month ($84 annually) or $0 in the first year for existing Westpac customers. It also has a low minimum credit limit of $500, making it more accessible to a wider range of applicants.
Extra Perks
Because it is a low rate and cost card, it has very few additional benefits. The card is compatible with Apple Pay, Fitpay, Google Pay, and Samsung Pay.
Income Eligibility
The required yearly gross minimum income is $30,000.
Commbank Low Rate
Why We Like It
Land yourself a Commbank's highest cashback offer from its cards for up to $420. Spend $500 each month for 6 months to get back $70 per month. Once you meet the spend requirements, your cashback will hit your account within 90 days. This offer is not eligible if you’ve held a Low Rate or Low Fee card as a primary cardholder in the last 24 months, or if you are simply switching from another Commbank card type.
It comes with a very low purchase rate of 10.99% and a low monthly fee of $6 per month.
Extra Perks
Because it is a low-rate and cost card, it has very few additional perks. The card has Priceless Cities membership for discounts on entertainment.
It has compatible payment options such as compatible with Apple Pay, Fitpay, Google Pay, and Samsung Pay.
Income Eligibility
No set minimum income is required.
Commbank Low Fee
Why We Like It
We like the Commbank Low Fee credit card because you’ll pay no annual fee in the first year to use it while still enjoying the $240 cashback offer for Commbank Yello customers (when you spend at least $500 on purchases monthly, you'll receive $40 cashback each month in the first six months – conditions apply). However, this offer is only available on new Low Fee or Low Rate credit cards, not those already in service in the last 24 months. Cash bonus is credited within 90 days of meeting the low-spend criteria.
On top save with zero annual fees if spend at least $300 in each statement period. If you don’t meet this minimum, the annual fee is $3 per month.
Plus, you can add an additional cardholder at no cost.
The card has a minimum credit limit of $500. Its standard purchase rate is 20.99% p.a. with up to 55 days’ interest-free.
Extra Perks
Sign up for this card, and you’ll also receive access to the Priceless Cities program for special offers to shows and experiences around the globe.
Lastly, smartphone payments are available with popular apps Apple Pay, Google Pay, Samsung Pay, and Beem It.
Income Eligibility
No set minimum income is required.
We hope you found our roundup of the best cash back offer credit cards in Australia for 2026 useful! These cards are rare but popular and worth checking out ASAP.
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