Credit CardCashback Bonus OfferAnnual Fee
Commbank Low Rate$300$59
Commbank Low Rate Gold$300$89
Virgin Low Rate$100$49
ANZ Frequent Flyer Platinum$100$295
ANZ Frequent Flyer Black$200$425
ANZ Rewards Black$100$375

 

Cash back offer credit cards are without a doubt one of the most attractive deals in the market. But the best cash back offers are sometimes hard to find. This is why we've tasked ourselves with the relentless search and found them for you. 

Keep in mind that cash back deals require a minimum spend amount on the card within a specific time frame. So make sure you meet the minimum spend to get your cash back with no hassles. 

See our list of best bonus cash back offer credit cards below in Australia for 2019.

Or check out our list of other related credit cards best rewards credit cards  or best frequent flyer credit cards.

Commbank Low Rate

  • Cash Back Offer: $300 cashback. Apply by 31 October 2019 & get 5% cash back, up to $100 per month in the first 3 months. 

  • Purchase Rate: 13.24% p.a.

  • Annual Fee: $49.

Why We Like It:

A cashback bonus offer towering its annual fee best describes the Commbank Low Rate card. Get $300 cashback when you apply by 31 October and get 5% cashback on eligible purchases - capped at $100 per month for the first 3 months.

Its annual fee is $59 p.a. which is in the low range.

Its purchase rate is 13.24% p.a. For an interest rate deal, take up its balance transfer offer of 5.99% p.a. for the first 5 months. Though do your best to pay off the balance. Because any remaining balances will revert to the cash advance rate of 21.24% p.a.

 

Extra Benefits:  

Have access to special offers and events with the complimentary Priceless Cities access.

Sometimes we just need a hand managing our credit card spending. For that, Commbank's spending cap feature allows you can limit your spending. This can be changed anytime if you need to. For a closer peak into your spending habits try out its spending tracker and insights feature. 

As well it has mobile payments available with apps Apple Pay, Google Pay, Samsung Pay, Beem It. 

 

Income Eligibility: 

No set minimum is income required.

 

Commbank Low Rate Gold

  • Cash Back Offer: $300 cashback. Apply by 31 October 2019 & get 10% cash back, up to $100 per month in the first 3 months. 

  • Purchase Rate: 13.24% p.a.

  • Annual Fee: $89.

Why We Like It:

Commbank provides the same cashback offer on the standard low rate as the gold version. The Commbank Low Rate Gold has a $300 cashback if you apply by 31 October and get 10% cashback on eligible purchases - capped at $100 per month for the first 3 months.

Its annual fee is $89 p.a. which means you still come out on top with the cashback. The purchase interest rate 13.24% p.a and the minimum credit limit is $4,000. 

Again, Commbank offers a balance transfer of 5.99% p.a. in interest for the first 5 months. Any remaining balances when the offer expires then revert to the cash advance rate of 21.24% p.a.

 

Extra Benefits:  

Receive complimentary international travel insurance while you explore the world. Your worldwide purchases will have purchase protection for most lost, stolen or damaged items.

Or when shopping in Australia, you can get up to 1 year extended warranty on most purchases.

Have access to special offers and events with the complimentary Priceless Cities access.

Need a little help with your credit card spending? Commbank's spending cap feature allows you can limit your spending. This can be changed anytime when needed. For a closer peak into your spending habits, try out its spending tracker and insights feature. 

What's more is that a range of mobile payments is available like Apple Pay, Google Pay, Samsung Pay, Beem It.

 

Income Eligibility: 

No set minimum income is required.

 

Virgin Low Rate

  • Cash Back Offer: $100 cashback. 10% cash back (capped at $100 total) on spend in the first 3 months from card approval. 

  • Purchase Rate: 11.99% p.a.

  • Annual Fee: $49.

Why We Like It:

The Virgin Low Rate Visa has a 10% cash back offer. But keep in mind that the cashback offer is capped at $100 and it is one time only. 

It's a great choice when seeking a low rate credit card with an excellent balance transfer offer and good old cashback. It has an 11.9% p.a. purchase rate and a fairly low annual fee of $49.

With a balance transfer offer of 0% p.a. for 14 months it surprisingly has no transfer fee. Meaning that your balance transfer is completely 0%.

Looking for a high credit limit? Then this card choice could work, because the minimum limit you can have is $6,000.

 

Extra Benefits:  

If you own an android phone then you're in luck because it's compatible with Samsung Pay... sorry iPhone users :(. 

 

Income Eligibility: 

The minimum income required is $35,000.

 

ANZ Frequent Flyer Platinum

  • Cash Back Offer: $100 cashback. When you spend $2,000 on eligible purchases in the first 3 months from approval.

  • Purchase Rate: 20.24% p.a.

  • Annual Fee: $295.

Why We Like It:

Both cashback and bonus points both come with the ANZ Frequent Flyer Platinum Visa. You get 50,000 bonus Qantas Points and $100 back when you spend $2,000 on eligible purchases in the first 3 months from approval. 

Also, earn 0.75 Qantas Points per $1 spent on eligible purchases up to and including $3,000 per statement period. Or 0.5 Qantas Points per $1 spent on eligible purchases above $3,000 per statement period.

Plus, earn 1 bonus Qantas Point per $1 spent on selected Qantas purchases and with its bonus partners. There is no limit on the number of bonus points you can earn in a statement period.  

Its purchase interest rate is 20.24% p.a with up to 55 days interest free. The annual fee is $295 and the minimum credit card limit is $6,000.

 

Extra Benefits:  

It comes with a full suite of travel insurances. These include overseas travel and medical insurance, interstate flight inconvenience insurance and rental excess cover.

But when it comes shopping protection this card has most bases covered. With its extended warranty insurance, best price guarantee scheme, and 90-day purchase security insurance on eligible purchases. 

At your fingertips is a 24/7 personal concierge to help with booking flights, reservations and more. Plus you'll get access to its VISA Entertainment. Offering you privileges and discounts in leisure, shopping and more worldwide.

 

Income Eligibility: 

No set minimum is income required. 

 

ANZ Frequent Flyer Black

  • Cash Back Offer: $200 cashback. When you spend $4,000 on eligible purchases in the first 3 months from approval.

  • Purchase Rate: 20.24% p.a.

  • Annual Fee: $425.

Why We Like It:

The ANZ Frequent Flyer Black has a super bonus offer! It is 100,000 Qantas Points and $200 cash back offer when you spend $4,000 on eligible purchases in the first 3 months of approval.

For rewards points, your everyday purchases will earn 1 Qantas Point per $1 spent on eligible transactions up to $7,500 per statement period. On purchases above $7,500 you then receive 0.5 Qantas Points per $1 spend.

Earn extra points on Qantas products or services with 1 bonus Qantas point per $1 spent. Points are uncapped so the sky is the limit! See the list of ANZ non-eligible purchases @ 23.Exceptions.

The purchase interest rate on the card is 20.24% p.a. coupled with an annual fee of $425 p.a. However, it does have a minimum credit limit of $15,000. 

 

Extra Benefits:  

You can enjoy complimentary two Qantas Club lounge access passes each year and a discounted first year Qantas club membership for new members.

You also gain access to Exclusives ANZ and VISA Entertainment to get exclusive invitations to events in entertainment and lifestyle. Whenever you need assistance with booking or planning your events its 24/7 concierge services are at your call. 

Travel related insurances inclusive are overseas travel and medical, interstate flight convenience insurance and rental excess cover.

In addition, shop with confidence with its eligible extended warranty, best price guaranteed and 90-day purchase protection. 

 

Income Eligibility: 

Not set minimum income is required, but the minimum credit limit is $15,000.

 

ANZ Rewards Black

  • Cash Back Offer: $100 cashback. When you spend $4,000 on eligible purchases in the first 3 months from approval.

  • Points Per Spend: 20.24% p.a.

  • Annual Fee: $375.

Why We Like It:

Another cashback and bonus points offer on the list is the ANZ Rewards Black. Offering 100,000 bonus reward points and $100 back when you spend $4,000 on eligible purchases in the first 3 months from approval. 

Plus, why not earn reward points every time you spend. Earn 2 points per $1 spent on eligible purchases up to $5,000 in each statement period. Above the $5,000 statement period then earns 1 point per $1 spent on eligible purchases. 

Its annual fee is $375 p.a. and purchase interest rate is 20.24% p.a. Interest free days are up to 55 days and its minimum credit limit of $15,000. 

 

Extra Benefits:  

Three key travel insurances come complimentary with the card. These are overseas travel and medical, interstate flight convenience and rental excess cover.

Furthermore, you get extra protection while you're shopping. On eligible purchased items you get extended warranty insurance, best price guarantee, and purchase protection. 

Need help securing tickets to special events, planning your travel, booking flights and more? Then take advantage of its 24/7 personal concierge, VISA Entertainment and Exclusives by ANZ.

 

Income Eligibility: 

No set minimum income is required, but the minimum credit limit is $15,000.

 

We hope you found our list of best cash back offer credit cards in Australia for 2019 helpful! Feel free to comment below with your thoughts on our blog.

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