Airport Lounge Access Credit Card Offers

With an airport lounge access credit card you can gain free entry into airport lounges around the world with Priority Pass, Centurion, or airlines such Qantas, Virgin and more.

Checked by Kredmo team.

Updated on 20 Aug, 2026
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Credit Card

  • Bonus Offer
  • Points Per $
  • Annual Fee
  • Net Rewards
American Express Platinum
American Express Platinum
  • Bonus Offer 225,000
    Membership Rewards Points
  • Points Per $ 1 - 2.25
  • Annual Fee $1,450
  • Net Rewards
    $-
Go To Site
American Express Platinum
  • Top 3 Premium
  • Top 5 Travel Perks
  • $450 Travel Credit Per Year
  • Multiple Unlimited Lounge Access
  • $
    Cashback
    Cashback
    Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    Unlimited access for you and a guest to 1,800+ airport lounges including Centurion Lounge, Priority Pass and more
    Travel Services
    International Airline Program for savings of up to 20% on First and Business Class fares with leading airlines like Qantas Airways, Virgin Australia, Emirates and more.
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Refund Protection
    Concierge Service
    Concierge Service
    Dining
    $400 Global Dining Credit per year
    Hotel
    Fine Hotels & Resorts Program, Accor Plus membership valued at $349 p.a., Hotel Elite Status Program & International Airline Program
    Mobile Pay
    Apple Pay, Samsung Pay, Google Pay
    Entertainment
    Amex Experiences and Digital news access with the Australian Premium Subscription
Annual Fee: $1450
Interest Free Days: 44 days
Additional Cardholders: Up to 4 additional cards for family members or friends at no extra fee
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Travel Credit: $450 Travel Credit Per Year
Dining: $400 Global Dining Credit per year
Airport Lounge: Unlimited access for you and a guest to 1,800+ airport lounges including Centurion Lounge, Priority Pass and more
Entertainment: Amex Experiences and Digital news access with the Australian Premium Subscription
Travel Services: International Airline Program for savings of up to 20% on First and Business Class fares with leading airlines like Qantas Airways, Virgin Australia, Emirates and more.
Concierge Service: Yes
Hotel: Fine Hotels & Resorts Program, Accor Plus membership valued at $349 p.a., Hotel Elite Status Program & International Airline Program
Bonus Points Offer: 225,000 Membership Rewards Points when you apply online and spend a minimum $5,000 in first 3 months of approval. Offer is only available to new AMEX card members or non-card members within the last 18 months.
Points Per $1 Spend: 2.25 Membership Rewards points on purchases. 1 Membership Rewards point on government body transactions in Australia.
Point Earning Limit: Uncapped
Flyer Points Conversion Rate: 1 Membership Rewards point = 0.5 Velocity points.
Redeem Points: 10,000 Rewards points gets you a $50 gift card or cashback. 5,900 Velocity points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges.
Westpac Altitude Rewards Black
Westpac Altitude Rewards Black
  • Bonus Offer 200,000
    Altitude Rewards Points
  • Points Per $ 0.5 - 3
  • Annual Fee $295
  • Net Rewards
    $-
Go To Site
Westpac Altitude Rewards Black
  • Priority Pass Lounge Access
  • $
    Cashback
    Cashback
    Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    2 Priority Pass airport lounge entries each year to over 1,900+ lounges worldwide
    Travel Insurance
    International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Fitpay, Google Pay, Samsung Pay
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $295
Minimum Credit Limit: $6,000
Annual Fee Offer: $200 in 1st year or $99 for existing Westpac customers
Additional Cardholders: 1 additional cardholder at no extra cost
Interest Free Days: 45 days
Minimum Repayment: Greater of $10 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Fitpay, Google Pay, Samsung Pay
Travel Insurance: International Travel Insurance
Airport Lounge: 2 Priority Pass airport lounge entries each year to over 1,900+ lounges worldwide
Bonus Points Offer: 200,000 Altitude Rewards Points . 100,000 Altitude points when you spend $12,000 on eligible purchases within 12 months from approval. Then another 100,000 Altitude points when you spend $12,000 on eligible purchase in year 2. Offer excludes customers who hold/held Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months.
Points Per $1 Spend: 3 Altitude Rewards points on international spend. 2 Altitude Rewards points on everyday purchases and 1 Altitude Rewards point on all others purchases, then after you reach $10,000 spend you'll earn 0.5 Altitude Rewards points per $1 spent in each statement period.
Point Earning Limit: Partially Capped
Flyer Points Conversion Rate: 1 Altitude Rewards point = 0.33 Velocity points.
Redeem Points: 11,300 Altitude points can get you a $50 gift card or 14,100 Altitude points for $50 cashback. 5,900 Velocity points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges.
St.George Amplify Signature
St.George Amplify Signature
  • Bonus Offer 200,000
    Amplify Points
  • Points Per $ 0.5 - 3
  • Annual Fee $295
  • Net Rewards
    $-
Go To Site
St.George Amplify Signature
  • Priority Pass Lounge Access
  • Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    2 Priority Pass airport lounge visits each year to over 1,900+ lounges worldwide
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Hotel
    Visa Luxury Hotel Collection
    Mobile Pay
    Apple Pay, Samsung Pay, Google Pay
    Entertainment
    Visa Entertainment
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $295
Minimum Credit Limit: $15,000
Annual Fee Offer: $199 in 1st year or $99 for existing customers
Additional Cardholders: 1 additional cardholder at no extra cost
Interest Free Days: 55 days
Minimum Repayment: Greater of $10 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Travel Insurance: Domestic & International Travel Insurance
Entertainment: Visa Entertainment
Airport Lounge: 2 Priority Pass airport lounge visits each year to over 1,900+ lounges worldwide
Hotel: Visa Luxury Hotel Collection
Bonus Points Offer: 200,000 Amplify Points . 100,000 Amplify points when you spend $12,000 on eligible purchases within the first year from approval. Then another 100,000 Amplify points when you spend $12,000 on eligible purchase in year 2. Offer is only available to new St.George Amplify cardholders or those who haven't held an Amplify card from St.George, Bank of Melbourne or BankSA within the last 24 months.
Points Per $1 Spend: 2 Amplify points on everyday spend and 1 Amplify point on all other purchases. 3 Amplify points on international spend. After $10,000 spend you will earn 0.5 Reward points after in each statement period.
Point Earning Limit: Partially Capped
Flyer Points Conversion Rate: 1 Amplify point = 0.5 Velocity points.
Redeem Points: 11,100 Amplify Points gets you a $50 e-gift card. 5,900 Velocity points you can fly from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges.
Qantas Money Titanium
Qantas Money Titanium
  • Bonus Offer 150,000
    Qantas Points
  • Points Per $ 1.25 - 3.25
  • Annual Fee $1,200
  • Net Rewards
    $-
Go To Site
Qantas Money Titanium
  • Top 3 Premium
  • Top 5 Travel Perks
  • $400 Qantas Luxury Holidays Voucher
  • Qantas Lounge Access
  • Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    2 Qantas Club or Qantas International Business Lounge entries each year. 2 Qantas International First Lounges invitations per year
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Dining
    Qantas Wine Premium Membership
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $15,000
Annual Fee: $1200
Additional Cardholders: Up to 4 additional cardholders for $100 annual fee per card
Interest Free Days: 44 days
Minimum Repayment: Greater of $30 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $30
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Dining: Qantas Wine Premium Membership
Travel Credit: $400 Qantas Luxury Holidays Voucher
Concierge Service: Yes
Airport Lounge: 2 Qantas Club or Qantas International Business Lounge entries each year. 2 Qantas International First Lounges invitations per year
Bonus Points Offer: 150,000 Qantas Points when you spend $5,000 on eligible purchases within 90 days of card approval.
Points Per $1 Spend: 1.25 Qantas points on domestic spend up to $12,500 and then 0.5 Qantas points after in each statement period. 2 Qantas points on international purchases. 2 bonus points on eligible Qantas services.
Point Earning Limit: Uncapped
Redeem Points: 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,030 Qantas points can get you a $50 gift card.
MyCard Premier
MyCard Premier
  • Bonus Offer 150,000
    MyCard Reward Points
  • Points Per $ 1 - 2
  • Annual Fee $300
  • Net Rewards
    $-
Go To Site
MyCard Premier
  • Priority Pass Lounge Access
  • $
    Cashback
    Cashback
    Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    2 Priority Pass airport lounge visits each year to over 1,900+ lounges worldwide
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Smartphone Screen Insurance
    Smartphone Screen Insurance
    Hotel
    Luxury Escapes up to 15% Discounts ($250 per booking) off Hotels Overseas and up to 10% off on Hotels within Australia or Overseas tours (up to $250 per booking). 10% off selected hotels on Expedia or Wotif.
    Mobile Pay
    Apple Pay, Samsung Pay
    Entertainment
    Up to $100 cashback on Uber Premier ride.
Purchase Interest Rate: 22.49% p.a.
Minimum Credit Limit: $10,000
Annual Fee: $300
Maximum Credit Limit: $100,000
Interest Free Days: 44 days
Additional Cardholders: Up to 4 additional cardholders at no extra cost
Cash Advance Rate: 22.99% p.a.
Minimum Repayment: Greater of $25 or 2% of the closing balance
Late Payment Fee: $30
Purchase Protection: Yes
Concierge Service: Yes
Smartphone Screen Insurance: Yes
Travel Insurance: Domestic & International Travel Insurance
Mobile Pay: Apple Pay, Samsung Pay
Airport Lounge: 2 Priority Pass airport lounge visits each year to over 1,900+ lounges worldwide
Entertainment: Up to $100 cashback on Uber Premier ride.
Hotel: Luxury Escapes up to 15% Discounts ($250 per booking) off Hotels Overseas and up to 10% off on Hotels within Australia or Overseas tours (up to $250 per booking). 10% off selected hotels on Expedia or Wotif.
Bonus Points Offer: 150,000 MyCard Reward Points . 120,000 Reward points when you spend $7,000 on eligible purchases within 90 days from approval and 30,000 Reward points when keep your card open for over 12 months.
Points Per $1 Spend: 1 MyCard Reward point on eligible domestic spend. 2 MyCard Reward points on all eligible transactions made online and international spend.
Point Earning Limit: Capped
Flyer Points Conversion Rate: 1 MyCard Reward point = 0.5 Velocity points.
Redeem Points: 10,500 MyCard reward points can get you a $50 gift card or 20,000 points for $50 cashback.
Westpac Altitude Qantas Black
Westpac Altitude Qantas Black
  • Bonus Offer 150,000
    Qantas Points
  • Points Per $ 0.25 - 1.5
  • Annual Fee $370
  • Net Rewards
    $-
Go To Site
Westpac Altitude Qantas Black
  • Qantas Lounge Access
  • Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    2 Qantas Club complimentary invitations each year
    Travel Insurance
    International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Fitpay, Google Pay, Samsung Pay
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $370
Minimum Credit Limit: $6,000
Annual Fee Offer: $275 in 1st year for existing Westpac customers
Additional Cardholders: 1 additional cardholder at no extra cost
Interest Free Days: 45 days
Minimum Repayment: Greater of $10 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Fitpay, Google Pay, Samsung Pay
Travel Insurance: International Travel Insurance
Airport Lounge: 2 Qantas Club complimentary invitations each year
Bonus Points Offer: 150,000 Qantas Points . 90,000 Qantas points when you spend $6,000 on eligible purchases within 90 days from approval. Then another 6,000 Qantas points when you spend $6,000 on eligible purchase in year 2. Offer excludes customers who hold/held Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months.
Points Per $1 Spend: 1.2 Qantas points on international spend. 0.8 Qantas points on everyday purchases and 0.5 Qantas points on all other purchases, then after you reach $10,000 spend you'll earn 0.25 Qantas points per $1 spent in each statement period. 1 bonus Qantas point or more with Qantas product, services or partners.
Point Earning Limit: Partially Capped
Redeem Points: 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,030 Qantas points can get you a $50 gift card.
Westpac Altitude Velocity Black
Westpac Altitude Velocity Black
  • Bonus Offer 150,000
    Velocity Points
  • Points Per $ 0.25 - 1.2
  • Annual Fee $370
  • Net Rewards
    $-
Go To Site
Westpac Altitude Velocity Black
  • Virgin Lounge Access
  • Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    2 single-entry Virgin Australia Domestic Lounge passes each year
    Travel Insurance
    International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Fitpay, Google Pay, Samsung Pay
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $370
Minimum Credit Limit: $6,000
Annual Fee Offer: $275 in 1st year existing Westpac customers
Additional Cardholders: 1 additional cardholder at no extra cost
Interest Free Days: 45 days
Minimum Repayment: Greater of $10 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Fitpay, Google Pay, Samsung Pay
Travel Insurance: International Travel Insurance
Airport Lounge: 2 single-entry Virgin Australia Domestic Lounge passes each year
Bonus Points Offer: 150,000 Velocity Points . 90,000 Velocity points when you spend $6,000 on eligible purchases within 90 days from approval. Then another 6,000 Velocity points when you spend $6,000 on eligible purchase in year 2. Offer excludes customers who hold/held Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months.
Points Per $1 Spend: 1.2 Velocity points on international spend. 0.8 Velocity points on everyday purchases and 0.5 Velocity points on all other purchases, then after you reach $10,000 spend you'll earn 0.25 Velocity points per $1 spent in each statement period.
Point Earning Limit: Partially Capped
Redeem Points: 5,900 Velocity points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,696 Velocity points can get you a $50 gift card.
St.George Amplify Qantas Signature
St.George Amplify Qantas Signature
  • Bonus Offer 150,000
    Qantas Points
  • Points Per $ 0.25 - 1.2
  • Annual Fee $370
  • Net Rewards
    $-
Go To Site
St.George Amplify Qantas Signature
  • Top 5 Premium
  • Top 3 Frequent Flyer Points
  • Qantas Lounge Access
  • Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    2 Qantas Club Lounge visits each year
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Hotel
    Visa Luxury Hotel Collection
    Mobile Pay
    Apple Pay, Samsung Pay, Google Pay
    Entertainment
    Visa Entertainment
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $370
Minimum Credit Limit: $15,000
Annual Fee Offer: $275 in 1st year for existing customers
Additional Cardholders: 1 additional cardholder at no extra cost
Interest Free Days: 55 days
Minimum Repayment: Greater of $10 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Travel Insurance: Domestic & International Travel Insurance
Entertainment: Visa Entertainment
Airport Lounge: 2 Qantas Club Lounge visits each year
Hotel: Visa Luxury Hotel Collection
Bonus Points Offer: 150,000 Qantas Points . 90,000 Qantas points when you spend $6,000 on eligible purchases within 120 days from approval. Then 60,000 Qantas points after you spend $6,000 on eligible purchase withi the first 120 days in the second year. Offer is only available to new St.George Amplify cardholders or those who haven't held an Amplify card from St.George, Bank of Melbourne or BankSA within the last 24 months.
Points Per $1 Spend: 0.8 Qantas points on everyday spend and 0.5 Qantas points on all other purchases. 1.2 Qantas points on international spend. After $10,000 spend you will earn 0.25 Qantas points after in each statement period.
Point Earning Limit: Partially Capped
Redeem Points: 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,030 Qantas points can get you a $50 gift card.
American Express Explorer
American Express Explorer
  • Bonus Offer 125,000
    Membership Rewards Points
  • Points Per $ 1 - 2
  • Annual Fee $395
  • Net Rewards
    $-
Go To Site
American Express Explorer
  • Top 5 Travel Perks
  • Top 5 Everyday Rewards
  • $400 Travel Credit Per Year
  • Centurion Lounge Access
  • $
    Cashback
    Cashback
    Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    2 Centurion Lounge accesses at Sydney or Melbourne international airports per year
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Refund Protection
    Smartphone Screen Insurance
    Smartphone Screen Insurance
    Hotel
    The Hotel Collection
    Mobile Pay
    Apple Pay, Samsung Pay, Google Pay
Purchase Interest Rate: 23.99% p.a.
Minimum Credit Limit: $3,000
Annual Fee: $395
Additional Cardholders: Up to 4 additional cards for family members or friends at no extra fee
Interest Free Days: 55 days
Minimum Repayment: Greater of $30 or 2.5% of the closing balance
Late Payment Fee: $30
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Smartphone Screen Insurance: Yes
Travel Credit: $400 Travel Credit Per Year
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Airport Lounge: 2 Centurion Lounge accesses at Sydney or Melbourne international airports per year
Hotel: The Hotel Collection
Bonus Points Offer: 125,000 Membership Rewards Points when you apply online and spend a minimum $4,000 in the first 3 months from approval. Offer is only available to new card members who apply online and those haven’t held an AMEX card within the last 18 months.
Points Per $1 Spend: 2 Membership Rewards points on purchases. 1 Membership Rewards point on government body transactions in Australia.
Point Earning Limit: Uncapped
Flyer Points Conversion Rate: 1 Membership Rewards point = 0.5 Velocity points.
Redeem Points: 10,000 Rewards points gets you a $50 gift card or cashback. 5,900 Velocity points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges.
Qantas American Express Ultimate
Qantas American Express Ultimate
  • Bonus Offer 120,000
    Qantas Points
  • Points Per $ 1.25 - 2.25
  • Annual Fee $450
  • Net Rewards
    $-
Go To Site
Qantas American Express Ultimate
  • Top 3 Frequent Flyer Points
  • Top 5 Travel Perks
  • $450 Qantas Travel Credit Per Year
  • Centurion & Qantas Lounge Access
  • Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    2 Centurion Lounge entries to Sydney or Melbourne International airports each year and 2 Qantas Club lounge invitations per year after first spend on selected Qantas products and services
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Refund Protection
    Dining
    Qantas Wine Premium Membership
    Mobile Pay
    Apple Pay, Samsung Pay, Google Pay
Purchase Interest Rate: 23.99% p.a.
Minimum Credit Limit: $3,000
Annual Fee: $450
Additional Cardholders: Up to 4 additional cards for family members or friends at no extra fee
Interest Free Days: 44 days
Minimum Repayment: Greater of $30 or 2.5% of the closing balance
Late Payment Fee: $30
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Travel Credit: $450 Qantas Travel Credit Per Year
Dining: Qantas Wine Premium Membership
Airport Lounge: 2 Centurion Lounge entries to Sydney or Melbourne International airports each year and 2 Qantas Club lounge invitations per year after first spend on selected Qantas products and services
Bonus Points Offer: 120,000 Qantas Points when you spend $3,000 within the first 3 months. Only available to new customers and non-members of American Express credit cards for over 18 months.
Points Per $1 Spend: 1.25 Qantas point on everyday purchases. 0.5 Qantas points on purchases at government bodies in Australia. 2.25 Qantas points on eligible Qantas products & services.
Point Earning Limit: Partially Uncapped
Redeem Points: 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,030 Qantas points can get you a $50 gift card.
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Blog & Resources
Guide

Airport Lounge Access Credit Cards Guide

How We Rank the Airport Lounge Access Cards

At Kredmo, we use a data-driven Value Methodology to rank every card on this page:

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    Sign-Up Bonus Impact: We analyze the true value of 100k+ bonus point or cash-back offers after meeting minimum spend.
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    Points Weighted Earn Rate: We calculate the "dollar per points" value from from actual aveage Australian household spending splits (e.g., 35% Groceries, 15% Fuel, 20% Utilities) to show to best estimate what you could earn.
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    Capped and Uncapped Points: We calculate the earn rate caps or "Tiered Earn Rates" for cards with both spending amount maximums and point earning maximums.
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    Redeem Points Dollar Value: We calculate the dollar value from earned rewards points for reach rewards program for each redeem category cash back, gifts cards, domestic and international flights.
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    Cost Efficiency: We factor in the cost of the annual fee so to evaluate whether your rewards earned outweigh the annual fee or not to reveal the Year 1 Net Profit. Ensuring your rewards are an asset, not an expense.

How Kredmo Calculates Your Net Rewards $ Value

At Kredmo, we believe transparency is the key to choosing the right credit card. Our Net Rewards $ Value is a data-driven estimate of the net Rewards financial benefit you could receive during your first year of card membership.

  1. We use a specific three-step formula to convert complex bonus points or cashback offers into a clear dollar figure:

    1
    Sign-Up Bonus Valuation: We convert the headline bonus points (e.g., 100,000 points) into a dollar value based on a conservative redemption average of 0.5 to 1.0 cents per point. This represents the standard "floor value" for redemptions like digital gift cards and cashback in the Australian market.
  2. 2
    Annual Spend Projections: We calculate the points earned from your projected annual spending based on the card's specific earn rate (e.g., 1.25 points per $1 spent). We then convert
    these points into their equivalent dollar value to show what your "monthly" spending is actually worth.
  3. 3
    The 'Net Value' Deduction: To find the final figure, we subtract the first-year annual fee from the total sum of points and cash back expected to be earned. The resulting Rewards $ Value shown in our table represents your true "New Rewards $ Value"—in terms of Reward points and cash back of the value you receive after the card has paid for itself.
    Note: Our calculations assume you pay your statement balance in full each month. Because rewards credit cards carry high interest rates (often 20% p.a. or more), interest charges are not factored into this value as they would quickly negate the benefits earned.

Eligibility Checklist: Are You Ready to Apply?

Before you hit "Apply," ensure you meet these standard Australian criteria to protect your credit score:

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    Minimum Income: Basic rewards cards typically require $35,000 p.a., while "Black" or "Signature" cards usually require $75,000–$100,000+.
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    Residency: You generally must be an Australian citizen or Permanent Resident, though some providers accept 457 or 482 visa holders with significant time remaining.
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    Good Credit History: Have a good credit history and no payment defaults.
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    The "24-Month Rule": Most big banks (like ANZ, Westpac, or NAB) will not grant you a sign-up bonus if you have held a card with them in the last 24 months.
FAQ

Airport Lounge Access Credit Cards FAQ

To be eligible to apply for an Airport Lounge Access credit card you must meet standard credit card application conditions and when you get your card use it to sign up for lounge access

Trust!

Why Trust
Kredmo?

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  • icon
    80+ Cards Compared: We track over 20+ Australian providers to give you a full market view, not a filtered one.
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    User-First Logic: Our rankings are built on data-driven “Value Methodology,” not whether we have a partnership with provider or not.
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    Total Independence: We show you the best credit cards currently available in the Australian market and give you the tools to make the best decision for your unique financial journey.
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    Licensed: We operate under ACL 518788.