Rewards credit cards

Earn more reward points as you shop for groceries, pay bills, purchase goods overseas or even land a big bonus points offer all by choosing a rewards credit card.

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Credit Card

  • Bonus Offer
  • Points Per $1 Spend
  • Annual Fee
  • Purchase Rate
  • Minimum Income
American Express Platinum
American Express Platinum
  • Bonus Points 200,000 Rewards Points
  • Points Per $1 Spend 2.25
  • Annual Fee $1,450
  • Purchase Rate -
  • Minimum Income $100,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $450 travel credit per year
Annual Fee: $1450
Interest Free Days: 44 days
Minimum Credit Limit: $0
Purchase Protection: Yes
Entertainment: American Express Invites
Travel Credit: $450 travel credit per year
Smartphone Screen Insurance: Yes
Concierge Service: Yes
Airport Lounge: American Express Global Lounge Collection access for you and a guest to over 1,200 airport lounges including Priority Pass and more.
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Travel Insurance: Domestic & International Travel Insurance
Hotel: Fine Hotels & Resorts Program, Accor Plus membership & Hotel Elite Status Program
Points Per $1 Spend: 2.25 Rewards points on purchases. 1 Rewards point on government body transactions in Australia.
Point Earning Limit: Uncapped Points.
Bonus Points Offer: 200,000 Rewards Points . 150,000 Rewards points when you apply online and spend $3,000 in the first 3 months from approval date. Plus, an extra 50,000 Rewards points in the second year upon fee renewal. Offer is only available to new AMEX card members or non-card members within the last 18 months.
Flyer Points Conversion Rate: 1 Rewards point = 0.5 Velocity points.
Redeem Points: 10,000 Rewards points gets you a $50 gift card. 7,800 Velocity points can fly you from Sydney to Byron Bay (one way).
St.George Amplify Signature
St.George Amplify Signature
  • Bonus Points 200,000 Amplify Points
  • Points Per $1 Spend 1.5
  • Annual Fee $279
  • Purchase Rate 19.74%
  • Minimum Income $0
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 19.74% p.a.
Cash Advance Rate: 21.49% p.a.
Annual Fee: $279
Minimum Credit Limit: $15,000
Interest Free Days: 55 days
Purchase Protection: Yes
Airport Lounge: 2 Priority Pass airport lounge visits each year
Mobile Pay: Apple Pay
Hotel: Visa Luxury Hotel Collection
Travel Insurance: International Travel Insurance
Points Per $1 Spend: 1.5 Amplify point on eligible purchases.
Point Earning Limit: Uncapped Points.
Bonus Points Offer: 200,000 Amplify Points when you spend $12,000 on eligible purchases each year for 130,000 Amplify points in year 1 and then 70,000 Amplify points in year 2. Offer is only available to new St.George Amplify cardholders or those who haven't held an Amplify card within the last 12 months.
Flyer Points Conversion Rate: 1 Amplify point = 0.5 Velocity points.
Redeem Points: 8,350 Amplify points lets you donate $50 to charity. 7,800 Velocity points you can fly from Sydney to Byron Bay (one way).
American Express Explorer
American Express Explorer
  • Bonus Points 150,000 Rewards Points
  • Points Per $1 Spend 2
  • Annual Fee $395
  • Purchase Rate 20.74%
  • Minimum Income $65,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $400 travel credit per year
Purchase Interest Rate: 20.74% p.a.
Minimum Credit Limit: $3,000
Annual Fee: $395
Interest Free Days: 55 days
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Hotel: The Hotel Collection
Smartphone Screen Insurance: Yes
Travel Credit: $400 travel credit per year
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Airport Lounge: 2 American Express lounge accesses at Sydney or Melbourne international airports per year
Points Per $1 Spend: 2 Rewards points on purchases. 1 Rewards point on government body transactions in Australia.
Point Earning Limit: Uncapped Points.
Bonus Points Offer: 150,000 Rewards Points when you spend $3,000 in the first 3 months from the approval date. New card members only.
Flyer Points Conversion Rate: 1 Rewards point = 0.5 Velocity points.
Redeem Points: 10,000 Rewards points gets you a $50 gift card. 7,800 Velocity points can fly you from Sydney to Byron Bay (one way).

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Showing 10 out of 47 results

Credit Card

  • Bonus Offer
  • Points Per $1 Spend
  • Annual Fee
  • Purchase Rate
  • Minimum Income
American Express Platinum
American Express Platinum
  • Bonus Points 200,000 Rewards Points
  • Points Per $1 Spend 2.25
  • Annual Fee $1,450
  • Purchase Rate -
  • Minimum Income $100,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $450 travel credit per year
Annual Fee: $1450
Interest Free Days: 44 days
Minimum Credit Limit: $0
Purchase Protection: Yes
Entertainment: American Express Invites
Travel Credit: $450 travel credit per year
Smartphone Screen Insurance: Yes
Concierge Service: Yes
Airport Lounge: American Express Global Lounge Collection access for you and a guest to over 1,200 airport lounges including Priority Pass and more.
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Travel Insurance: Domestic & International Travel Insurance
Hotel: Fine Hotels & Resorts Program, Accor Plus membership & Hotel Elite Status Program
Points Per $1 Spend: 2.25 Rewards points on purchases. 1 Rewards point on government body transactions in Australia.
Point Earning Limit: Uncapped Points.
Bonus Points Offer: 200,000 Rewards Points . 150,000 Rewards points when you apply online and spend $3,000 in the first 3 months from approval date. Plus, an extra 50,000 Rewards points in the second year upon fee renewal. Offer is only available to new AMEX card members or non-card members within the last 18 months.
Flyer Points Conversion Rate: 1 Rewards point = 0.5 Velocity points.
Redeem Points: 10,000 Rewards points gets you a $50 gift card. 7,800 Velocity points can fly you from Sydney to Byron Bay (one way).
St.George Amplify Signature
St.George Amplify Signature
  • Bonus Points 200,000 Amplify Points
  • Points Per $1 Spend 1.5
  • Annual Fee $279
  • Purchase Rate 19.74%
  • Minimum Income $0
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 19.74% p.a.
Cash Advance Rate: 21.49% p.a.
Annual Fee: $279
Minimum Credit Limit: $15,000
Interest Free Days: 55 days
Purchase Protection: Yes
Airport Lounge: 2 Priority Pass airport lounge visits each year
Mobile Pay: Apple Pay
Hotel: Visa Luxury Hotel Collection
Travel Insurance: International Travel Insurance
Points Per $1 Spend: 1.5 Amplify point on eligible purchases.
Point Earning Limit: Uncapped Points.
Bonus Points Offer: 200,000 Amplify Points when you spend $12,000 on eligible purchases each year for 130,000 Amplify points in year 1 and then 70,000 Amplify points in year 2. Offer is only available to new St.George Amplify cardholders or those who haven't held an Amplify card within the last 12 months.
Flyer Points Conversion Rate: 1 Amplify point = 0.5 Velocity points.
Redeem Points: 8,350 Amplify points lets you donate $50 to charity. 7,800 Velocity points you can fly from Sydney to Byron Bay (one way).
American Express Explorer
American Express Explorer
  • Bonus Points 150,000 Rewards Points
  • Points Per $1 Spend 2
  • Annual Fee $395
  • Purchase Rate 20.74%
  • Minimum Income $65,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $400 travel credit per year
Purchase Interest Rate: 20.74% p.a.
Minimum Credit Limit: $3,000
Annual Fee: $395
Interest Free Days: 55 days
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Hotel: The Hotel Collection
Smartphone Screen Insurance: Yes
Travel Credit: $400 travel credit per year
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Airport Lounge: 2 American Express lounge accesses at Sydney or Melbourne international airports per year
Points Per $1 Spend: 2 Rewards points on purchases. 1 Rewards point on government body transactions in Australia.
Point Earning Limit: Uncapped Points.
Bonus Points Offer: 150,000 Rewards Points when you spend $3,000 in the first 3 months from the approval date. New card members only.
Flyer Points Conversion Rate: 1 Rewards point = 0.5 Velocity points.
Redeem Points: 10,000 Rewards points gets you a $50 gift card. 7,800 Velocity points can fly you from Sydney to Byron Bay (one way).
Westpac Altitude Black
Westpac Altitude Black
  • Bonus Points 150,000 Altitude Points
  • Points Per $1 Spend 1.25
  • Annual Fee $250
  • Purchase Rate 20.49%
  • Minimum Income $75,000
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 20.49% p.a.
Cash Advance Rate: 21.49% p.a.
Annual Fee: $250
Minimum Credit Limit: $15,000
Interest Free Days: 45 days
Purchase Protection: Yes
Travel Insurance: International Travel Insurance
Mobile Pay: Apple Pay, Fitpay, Google Pay, Samsung Pay
Airport Lounge: 2 Priority Pass airport lounge entries each year to over 1,200 lounges worldwide
Concierge Service: Yes
Points Per $1 Spend: 1.25 Altitude points on eligible purchases. 2 points at David Jones, Myer, THE ICONIC, Spotify Premium, Airbnb, Uber and Uber Eats. 6 Altitude points on first $10,000 spend per month on flights purchased in Australia directly with Qantas, Jetstar, Virgin Australia, Emirates and Singapore Airlines, then 1.25 Altitude points thereafter.
Point Earning Limit: Uncapped Points.
Bonus Points Offer: 150,000 Altitude Points when you spend $4,000 on eligible purchases within 90 days from the card approval. Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months.
Redeem Points: 11,300 Altitude points can get you a $50 gift card. 7,800 Velocity points can fly you from Sydney to Byron Bay (one way).
Qantas Premier Titanium
Qantas Premier Titanium
  • Bonus Points 150,000 Qantas Points
  • Points Per $1 Spend 1.25
  • Annual Fee $1,200
  • Purchase Rate 19.99%
  • Minimum Income $200,000
  • Purchase Protection
  • Domestic & International Travel Insurance
Purchase Interest Rate: 19.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $1200
Minimum Credit Limit: $15,000
Interest Free Days: 55 days
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Dining: Qantas Wine Premium Membership
Airport Lounge: 2 Qantas Club or Qantas International Business Lounge entries each year. 2 Qantas International First Lounges invitations per year
Concierge Service: Yes
Points Per $1 Spend: 1.25 Qants points on domestic spend up to $12,500, then 0.5 Qantas points after that per statement period. 2 Qantas points on international purchases. 2 bonus points on eligible Qantas services.
Point Earning Limit: Uncapped Points.
Bonus Points Offer: 150,000 Qantas Points when you spend $5,000 in 90 days from approval date. Offer extended to 24 February 2021. Offer is only available to new Qantas Premier cardholders or those who haven't held a Qantas Premier card within the last 12 months.
Redeem Points: 8,000 Qantas points can fly you from Sydney to Melbourne (one way). 10,000 Qantas points can get you a $50 gift card.
ANZ Rewards Black
ANZ Rewards Black
  • Bonus Points 130,000 Reward Points
  • Points Per $1 Spend 2
  • Annual Fee $375
  • Purchase Rate 20.24%
  • Minimum Income $0
  • Purchase Protection
  • Travel Insurance
  • $150 Cashback
Purchase Interest Rate: 20.24% p.a.
Cash Advance Rate: 20.24% p.a.
Annual Fee: $375
Minimum Credit Limit: $15,000
Interest Free Days: 55 days
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Travel Insurance
Entertainment: Exclusives by ANZ
Points Per $1 Spend: 2 Reward points on eligible purchases up to $5,000 per statement period. 1 Reward point on eligible purchases above $5,000 per period.
Point Earning Limit: Uncapped Points.
Bonus Points Offer: 130,000 Reward Points when you spend $2,000 on eligible purchases in first 3 months from the approval date.
Flyer Points Conversion Rate: 1 Reward point = 0.5 Velocity points.
Redeem Points: -
NAB Qantas Rewards Signature
NAB Qantas Rewards Signature
  • Bonus Points 130,000 Qantas Points
  • Points Per $1 Spend 1
  • Annual Fee $395
  • Purchase Rate 19.99%
  • Minimum Income $0
  • Purchase Protection
  • Domestic & International Travel Insurance
Purchase Interest Rate: 19.99% p.a.
Cash Advance Rate: 21.74% p.a.
Annual Fee: $395
Minimum Credit Limit: $15,000
Interest Free Days: 44 days
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Entertainment: Visa Premium Access
Concierge Service: Yes
Points Per $1 Spend: 1 Qantas point on everyday purchases up to $5,000 per period. 0.5 Qantas points on purchases from $5,001 to $20,000. 1 bonus Qantas point on eligible Qantas services.
Point Earning Limit: Capped at $20,000 spend per statement period.
Bonus Points Offer: 130,000 Qantas Points . 100,000 Qantas points when you spend $3,000 on everyday purchases within 60 days of the account open date. 30,000 Qantas points when you keep your card for over 12 months. Available to new NAB Qantas Rewards cardholders only.
Redeem Points: 8,000 Qantas points = Sydney to Melbourne (one way). 10,000 Qantas points approx. = $50 gift cards.
NAB Rewards Signature
NAB Rewards Signature
  • Bonus Points 120,000 Rewards Points
  • Points Per $1 Spend 1.25
  • Annual Fee $295
  • Purchase Rate 19.99%
  • Minimum Income $0
  • Purchase Protection
  • Domestic & International Travel Insurance
Purchase Interest Rate: 19.99% p.a.
Cash Advance Rate: 21.74% p.a.
Annual Fee: $295
Minimum Credit Limit: $15,000
Interest Free Days: 44 days
Purchase Protection: Yes
Concierge Service: Yes
Travel Insurance: Domestic & International Travel Insurance
Points Per $1 Spend: 1.25 Rewards points on everyday purchases. 2.5 Rewards points on purchases at major department and hardware stores, including Myer, David Jones, Kmart, Target, Big W, Bunnings, Mitre 10, Home Timber and Hardware, Stratco and Total Tools. 3.75 Rewards points on purchases with Webjet on overseas purchases.
Point Earning Limit: Uncapped Points.
Bonus Points Offer: 120,000 Rewards Points . 90,000 points when you spend $3,000 on purchases within 60 days of the open date. 30,000 points when you keep your card for over 12 months. Offer is only available to new NAB Rewards cardholders or those who haven't held a NAB Rewards card within the last 12 months.
Flyer Points Conversion Rate: 1 Rewards point = 0.5 Velocity points.
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
  • Bonus Points 120,000 Qantas Points
  • Points Per $1 Spend 1
  • Annual Fee $425
  • Purchase Rate 20.24%
  • Minimum Income $0
  • Purchase Protection
  • Travel Insurance
  • $200 Cashback
Purchase Interest Rate: 20.24% p.a.
Cash Advance Rate: 20.24% p.a.
Annual Fee: $425
Minimum Credit Limit: $15,000
Interest Free Days: 55 days
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Travel Insurance
Entertainment: Exclusives by ANZ & VISA Entertainment
Airport Lounge: 2 Qantas Club lounge access passes per year and discounted 1st year Qantas Club membership
Points Per $1 Spend: 1 Qantas point on eligible purchases up to $7,500 per statement period, and then 0.5 Qantas points after that. 1 bonus Qantas point on selected Qantas products and services in Australia.
Point Earning Limit: Uncapped Points. Extra points have no earning cap.
Bonus Points Offer: 120,000 Qantas Points when you spend $3,000 on eligible purchases in first 3 months from the approval date.
Redeem Points: 8,000 Qantas points can fly you from Sydney to Melbourne (one way). 10,000 Qantas points can get you a $50 gift card.
Bankwest More World
Bankwest More World
  • Bonus Points 115,000 Points
  • Points Per $1 Spend 2.5
  • Annual Fee $270
  • Purchase Rate 19.99%
  • Minimum Income $76,000
  • Purchase Protection
  • No Foreign Transaction Fees
  • International Travel Insurance
Purchase Interest Rate: 19.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $270
Minimum Credit Limit: $12,000
Interest Free Days: 44 days
No Foreign Transaction Fees: Yes
Airport Lounge: 10 airport lounge visits each calendar year for you & guests to over 1,000 lounges worldwide with LoungeKey
Purchase Protection: Yes
Travel Insurance: International Travel Insurance
Points Per $1 Spend: 2.5 points on eligible purchases.
Point Earning Limit: Uncapped Points.
Bonus Points Offer: 115,000 Points when you spend $84,000 on eligible purchases each year.
Redeem Points: 19,800 points can fly you from Sydney to Melbourne (one way). 20,000 points can get you a $50 gift card or cashback.

Rewards Credit Card FAQ

A rewards credit card allows you to earn rewards points as you spend. The most common reward programs or schemes available are rewards in the form of gifts, travel points and cash back.

Each rewards credit card has its unique reward system based on the how points are give per $1 spend. These reward schemes have points can go up to 4 points for spending $1 on the credit card. When a certain level of points are collected they can then be traded sometimes for gifts, flights, accommodation or cash.

Reward credit cards work best when you pay the spending balance off in full every month, so you essentially get rewards without any interest rate charges. Though reward credit cards tend to have a higher annual fee.

To make a rewards credit card worthwhile the yearly spending on the card must be high enough that the rewards gained outweigh the annual fee cost. Or that the extra benefits on the card are used by you and this outweighs the annual fee cost. If you don’t pay your balance off in full each month and instead carry a balance over then a rewards credit card is likely not suitable for you.

A good way to decide what type of rewards credit card is best for you is to first understand where most of your spending comes from. If most your monthly spending is on groceries then a good place to start is by looking into those credit cards that offer high points for spending on groceries. If you’re a frequent flyer then most definitely start by looking at credit cards that offer high frequent flyer points for each $1 spend.

Next, do think about how you want to be rewarded for your spending. If you want to be rewarded with free flights on your next holiday then look for a card offering frequent flyer points even when spending on groceries. If you prefer cash as your reward then choose a cashback offer credit card.

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Kredmo Pty Ltd ACN 624 938 932 is not a credit provider and does not provide personal financial or professional advice or credit assistance. Kredmo Pty Ltd is an Australian Credit License holder 518788. The information published on this site/page is of a general nature only and does not consider your personal objectives, financial situation or particular needs. The information published on this site/page should not be relied upon as a substitute for personal financial or professional advice. Kredmo strongly recommends that you seek independent advice before you apply for any product or service, which is described on the site/page... Read More