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Cards With Travel Credit Find More Value for Your Travels

Use your credit card's complimentary travel credit benefit to book flights, accommodation, or car rental for your next vacation destination.

Checked by Kredmo team.

Updated on 20 Aug, 2026

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See which cards could give you the most value based on your spending.

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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 pts
  • 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.
Qantas Money Titanium
Qantas Money Titanium
  • Bonus Offer 150,000
    Qantas Points
  • Points Per $ 1.25 - 3.25 pts
  • 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.
American Express Explorer
American Express Explorer
  • Bonus Offer 125,000
    Membership Rewards Points
  • Points Per $ 1 - 2 pts
  • 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 pts
  • 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.
Virgin Velocity High Flyer
Virgin Velocity High Flyer
  • Bonus Offer 100,000
    Velocity Points
  • Points Per $ 1 - 3 pts
  • Annual Fee $329
  • Net Rewards
    $-
Go To Site
Virgin Velocity High Flyer
  • Top 5 Frequent Flyer Points
  • $129 Virgin Australia Voucher Per Year
  • 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, Samsung Pay
    Entertainment
    Visa Entertainment
Purchase Interest Rate: 20.74% p.a.
Minimum Credit Limit: $15,000
Annual Fee: $329
Maximum Credit Limit: $100,000
Interest Free Days: 44 days
Additional Cardholders: $89 annual fee per additional cardholder
Cash Advance Rate: 20.99% p.a.
Minimum Repayment: Greater of $30 or 2% of the closing balance
Late Payment Fee: $30
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Samsung Pay
Travel Insurance: International Travel Insurance
Entertainment: Visa Entertainment
Travel Credit: $129 Virgin Australia Voucher Per Year
Airport Lounge: 2 Single entry Virgin Australia Domestic Lounge passes each year
Bonus Points Offer: 100,000 Velocity Points . 80,000 Velocity points when you spend $3,500 each month on eligible purchases in the first 2 months from approval. Then 20,000 Velocity points when you keep your card open for over 12 months. Offer is not available to existing Virgin Money Credit Card holders.
Points Per $1 Spend: 1 Velocity point on purchases for spend up to $8,000 and 0.5 Velocity points after that in each statement period. 2 bonus Velocity points on purchases directly with Virgin Australia.
Point Earning Limit: Uncapped
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.
American Express Velocity Platinum
American Express Velocity Platinum
  • Bonus Offer 100,000
    Velocity Points
  • Points Per $ 0.5 - 2.25 pts
  • Annual Fee $440
  • Net Rewards
    $-
Go To Site
American Express Velocity Platinum
  • Top 5 Frequent Flyer Points
  • Free Virgin Australia Economy domestic return flight & up to 100 Bonus Velocity Status Credits Yearly
  • Virgin Lounge Access
  • Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    Unlimited access to Virgin Australia lounges at select domestic airports, every time you fly Virgin Australia domestically. And for your guests travelling with you, 2 single entry passes to the Virgin Australia Lounge.
    Shopping Protection
    Purchase Protection
    Refund Protection
    Mobile Pay
    Apple Pay, Samsung Pay, Google Pay
Purchase Interest Rate: 23.99% p.a.
Minimum Credit Limit: $3,000
Annual Fee: $440
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 Credit: Free Virgin Australia Economy domestic return flight & up to 100 Bonus Velocity Status Credits Yearly
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Airport Lounge: Unlimited access to Virgin Australia lounges at select domestic airports, every time you fly Virgin Australia domestically. And for your guests travelling with you, 2 single entry passes to the Virgin Australia Lounge.
Bonus Points Offer: 100,000 Velocity Points 70,000 Velocity points when you apply online and spend a minimum $5,000 in first 3 months from approval. Plus, an additional 30,000 Velocity points when you spend a further $5,000 on eligible purchases within the first 3 months of your second year. Offer is only available to new AMEX card members or non-card members within the last 18 months.
Points Per $1 Spend: 1.25 Velocity points on purchases. 0.5 Velocity points on government body transactions in Australia. 2.25 Velocity points on eligible purchases with Virgin Australia.
Point Earning Limit: Uncapped
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.
Virgin Velocity Flyer
Virgin Velocity Flyer
  • Bonus Offer 70,000
    Velocity Points
  • Points Per $ 0.5 - 1.6 pts
  • Annual Fee $149
  • Net Rewards
    $-
Go To Site
Virgin Velocity Flyer
  • $129 Virgin Australia Voucher Per Year
  • Frequent Flyer Points
    Frequent Flyer Points
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Samsung Pay
    Entertainment
    Visa Entertainment
Purchase Interest Rate: 20.74% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $149
Maximum Credit Limit: $100,000
Interest Free Days: 44 days
Additional Cardholders: $39 annual fee per additional cardholder
Cash Advance Rate: 20.99% p.a.
Minimum Repayment: Greater of $30 or 2% of the closing balance
Late Payment Fee: $30
Purchase Protection: Yes
Entertainment: Visa Entertainment
Mobile Pay: Apple Pay, Samsung Pay
Concierge Service: Yes
Travel Credit: $129 Virgin Australia Voucher Per Year
Bonus Points Offer: 70,000 Velocity Points . 50,000 Velocity points when you spend $1,500 each month on eligible purchases in the first 2 months from approval. Then 20,000 Velocity points when you keep your card open for over 12 months. Offer is not available to existing Virgin Money Credit Card holders.
Points Per $1 Spend: 0.66 Velocity points on purchases for spend up to $1,500 and 0.5 Velocity points after that in each statement period. 1 bonus Velocity point on purchases directly with Virgin Australia.
Point Earning Limit: Uncapped
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.
Commbank Smart Awards
Commbank Smart Awards
  • Bonus Offer 40,000
    CommBank Awards Points
  • Points Per $ 1 - 2 pts
  • Annual Fee $228
  • Net Rewards
    $-
Go To Site
Commbank Smart Awards
  • No Foreign Transaction Fees
  • $100 Travel Credit
  • Mastercard Travel Lounge Access
  • $
    Cashback
    Cashback
    Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    Mastercard Travel Pass membership to over 1,300 airport lounges worldwide
    Travel Insurance
    International Travel Insurance
    Mobile Pay
    CommBank Pay, Google Pay, Samsung Pay, Beem It Pay
    Entertainment
    Priceless Cities
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $228
Minimum Credit Limit: $3,000
Annual Fee Offer: $0 if spend at least $2,000 in each statement period
Additional Cardholders: $10 per annum additional cardholder fee
Interest Free Days: 55 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Late Payment Fee: $20
No Foreign Transaction Fees: Yes
Travel Insurance: International Travel Insurance
Mobile Pay: CommBank Pay, Google Pay, Samsung Pay, Beem It Pay
Travel Credit: $100 Travel Credit
Entertainment: Priceless Cities
Airport Lounge: Mastercard Travel Pass membership to over 1,300 airport lounges worldwide
Bonus Points Offer: 40,000 CommBank Awards Points and $100 in Travel Credits when you spend $4,500 or more on eligible purchases within the first 90 days of opening your new card.
Points Per $1 Spend: 1 Commbank Awards point per $1 spent up to $5,000 in a statement period, then 0.5 Awards points thereafter. 1.5 Commbank Awards points at major Australian supermarkets, department stores, petrol stations, dining (cafes, restaurants & fast food) and utilities (electricity, gas & water). 2 bonus Commbank Awards points per $1 on highest eligible purchase up to 1,000 bonus Commbank Awards points in a statement period.
Point Earning Limit: Uncapped
Flyer Points Conversion Rate: 1 Commbank Awards point = 0.4 Qantas points or 0.5 Velocity points.
Redeem Points: 10,950 Commbank Awards can get you a $50 gift card. 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges.
American Express Velocity Escape Plus
American Express Velocity Escape Plus
  • Bonus Offer 20,000
    Velocity Points
  • Points Per $ 0.5 - 1.75 pts
  • Annual Fee $95
  • Net Rewards
    $-
Go To Site
American Express Velocity Escape Plus
  • $50 Travel Credit Per Year
  • Frequent Flyer Points
    Frequent Flyer Points
    Travel Insurance
    Domestic & International Travel Insurance
    Shopping Protection
    Purchase Protection
    Refund Protection
    Mobile Pay
    Apple Pay, Samsung Pay, Google Pay
Purchase Interest Rate: 23.99% p.a.
Minimum Credit Limit: $2,000
Annual Fee: $95
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
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Travel Credit: $50 Travel Credit Per Year
Bonus Points Offer: 20,000 Velocity Points when you apply online and spend a minimum $3,000 in first 3 months from approval. Offer is only available to new AMEX card members or non-card members within the last 18 months.
Points Per $1 Spend: 1 Velocity point on everyday purchases for up to 12,000 points per calendar year, thereafter it's 0.75 Velocity points on everday purchases. 0.5 Velocity points on government body transactions in Australia. 1.75 Velocity points on eligible purchases with Virgin Australia.
Point Earning Limit: Uncapped
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.
Commbank Ultimate Awards
Commbank Ultimate Awards
  • Bonus Offer 900
    Travel Credits
  • Points Per $ 1 - 3 pts
  • Annual Fee $420
  • Net Rewards
    $-
Go To Site
Commbank Ultimate Awards
  • Top 5 Travel Perks
  • No Foreign Transaction Fees
  • $900 Travel Credit
  • Mastercard Travel Lounge Access
  • $
    Cashback
    Cashback
    Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    2 airport lounge pasess with Mastercard Travel Pass by DragonPass membership
    Travel Insurance
    International Travel Insurance
    Mobile Pay
    CommBank Pay, Google Pay, Samsung Pay, Beem It Pay
    Entertainment
    Priceless Cities
Purchase Interest Rate: 20.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $420
Additional Cardholders: No fee for additional cardholder
Interest Free Days: 55 days
Minimum Repayment: Greater of $25 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $20
No Foreign Transaction Fees: Yes
Travel Insurance: International Travel Insurance
Mobile Pay: CommBank Pay, Google Pay, Samsung Pay, Beem It Pay
Travel Credit: $900 Travel Credit
Entertainment: Priceless Cities
Airport Lounge: 2 airport lounge pasess with Mastercard Travel Pass by DragonPass membership
Bonus Points Offer: 900 Travel Credits . $450 in Travel Credit when you spend $9,000 on eligible purchases within 90 days of opening your card. Then another $450 Travel Credit when you keep the card open for over 12 months.
Points Per $1 Spend: 1 Commbank Awards point on eligible purchases, 2 Commbank Awards points at major Australian supermarkets, department stores and petrol stations, and 3 Commbank Awards points on international transactions all up capped at $10,000 each statement period, and any spend after will receive 0.5 Commbank Awards points.
Point Earning Limit: Partially Uncapped
Flyer Points Conversion Rate: 1 Commbank Awards point = 0.4 Qantas points or 0.5 Velocity points.
Redeem Points: 10,950 Commbank Awards can get you a $50 gift card. 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges.
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Blog & Resources
FAQ

Credit Cards With Travel Credit

Credit cards with travel credit offer a set amount of credit each year that can be applied to a variety of travel-related purchases.

Travel credits can be used for a variety of expenses such as airline tickets, hotel stays, car rentals, and, in some cases, more specific travel costs such as baggage fees, in-flight purchases, or airport lounge passes.