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
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.
Minimum Credit Limit: $15,000
Annual Fee: $279
Interest Free Days: 55 days
Cash Advance Rate: 21.49% p.a.
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 plus a further 70,000 Amplify points in year 2.
Reward Points to Flyer Points Conversion: 1 Amplify point = 0.5 Velocity points.
ANZ Rewards Black
ANZ Rewards Black
  • Bonus Points 150,000 Reward Points
  • Points Per $1 Spend 2
  • Annual Fee $375
  • Purchase Rate 20.24%
  • Minimum Income $0
  • Purchase Protection
  • Travel Insurance
Purchase Interest Rate: 20.24% p.a.
Minimum Credit Limit: $15,000
Annual Fee: $375
Interest Free Days: 55 days
Cash Advance Rate: 20.24% p.a.
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: 150,000 Reward Points when you spend $4,000 on eligible purchases in first 3 months from the approval date.
Reward Points to Flyer Points Conversion: 1 Reward point = 0.5 Velocity points.
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.
Minimum Credit Limit: $15,000
Annual Fee: $250
Interest Free Days: 45 days
Cash Advance Rate: 21.49% p.a.
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
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 points on first $10,000 per month on flights purchased in Australia directly with Qantas, Jetstar, Virgin Australia, Emirates and Singapore Airlines, then 1.25 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 date. Offer ends 11th November 2020. Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months.

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Showing 10 out of 50 results

Credit Card

  • Bonus Offer
  • Points Per $1 Spend
  • Annual Fee
  • Purchase Rate
  • Minimum Income
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.
Minimum Credit Limit: $15,000
Annual Fee: $279
Interest Free Days: 55 days
Cash Advance Rate: 21.49% p.a.
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 plus a further 70,000 Amplify points in year 2.
Reward Points to Flyer Points Conversion: 1 Amplify point = 0.5 Velocity points.
ANZ Rewards Black
ANZ Rewards Black
  • Bonus Points 150,000 Reward Points
  • Points Per $1 Spend 2
  • Annual Fee $375
  • Purchase Rate 20.24%
  • Minimum Income $0
  • Purchase Protection
  • Travel Insurance
Purchase Interest Rate: 20.24% p.a.
Minimum Credit Limit: $15,000
Annual Fee: $375
Interest Free Days: 55 days
Cash Advance Rate: 20.24% p.a.
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: 150,000 Reward Points when you spend $4,000 on eligible purchases in first 3 months from the approval date.
Reward Points to Flyer Points Conversion: 1 Reward point = 0.5 Velocity points.
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.
Minimum Credit Limit: $15,000
Annual Fee: $250
Interest Free Days: 45 days
Cash Advance Rate: 21.49% p.a.
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
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 points on first $10,000 per month on flights purchased in Australia directly with Qantas, Jetstar, Virgin Australia, Emirates and Singapore Airlines, then 1.25 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 date. Offer ends 11th November 2020. Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months.
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
  • Travel Insurance
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $15,000
Annual Fee: $1200
Interest Free Days: 55 days
Cash Advance Rate: 21.99% p.a.
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
Travel Insurance: Travel Insurance
Points Per $1 Spend: 1.25 Qants points on everyday purchases up to $12,500 per period. 0.5 Qantas points on purchases over $12,501. 2 Qantas points on international purchases. 2 extra 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 the approval date. Offer extended to 24 February 2021.
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
  • International Travel Insurance
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $15,000
Annual Fee: $395
Interest Free Days: 44 days
Cash Advance Rate: 21.74% p.a.
Purchase Protection: Yes
Travel Insurance: 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 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.
NAB Rewards Signature
NAB Rewards Signature
  • Bonus Points 120,000 Points
  • Points Per $1 Spend 1.25
  • Annual Fee $295
  • Purchase Rate 19.99%
  • Minimum Income $0
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $15,000
Annual Fee: $295
Interest Free Days: 44 days
Cash Advance Rate: 21.74% p.a.
Purchase Protection: Yes
Concierge Service: Yes
Travel Insurance: International Travel Insurance
Points Per $1 Spend: 1.25 NAB rewards point on everyday purchases. 2.5 points on purchases at major department and hardware stores. 3.75 points on purchases with Webjet or overseas purchases.
Point Earning Limit: Uncapped Points.
Bonus Points Offer: 120,000 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.
Reward Points to Flyer Points Conversion: 1 NAB Rewards point = 0.5 Velocity points.
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.
Minimum Credit Limit: $12,000
Annual Fee: $270
Interest Free Days: 44 days
Cash Advance Rate: 21.99% p.a.
No Foreign Transaction Fees: Yes
Airport Lounge: Airport lounge access for you & guests 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.
Citi Prestige
Citi Prestige
  • Bonus Points 100,000 Reward Points
  • Points Per $1 Spend 2
  • Annual Fee $700
  • Purchase Rate 21.49%
  • Minimum Income $150,000
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 21.49% p.a.
Minimum Credit Limit: $30,000
Annual Fee: $700
Interest Free Days: 44 days
Cash Advance Rate: 22.24% p.a.
Purchase Protection: Yes
Entertainment: Priceless Cities & Citi World Privileges
Airport Lounge: Priority Pass membership with unlimited airport lounge access for you & guest
Mobile Pay: Apple Pay
Concierge Service: Yes
Travel Services: 1 complimentary luxury airport transfer per year for up to $100
Dining: Free Wine Every Time You Dine With The Citibank Dining Program
Travel Insurance: International Travel Insurance
Hotel: Complimentary 4th night hotel stay when you book 4 consecutive nights at a wide range of hotels
Points Per $1 Spend: 1 Citi reward point on eligible domestic spend. 2 Citi reward points with major: supermarkets, petrol outlets and national retailers. 3 Citi reward points with major: airlines, hotel chains and restaurants in Australia. 3 Citi reward points on international eligible transactions.
Point Earning Limit: Uncapped Points.
Bonus Points Offer: 100,000 Reward Points when spend $7,500 in first 60 days from approval.
Reward Points to Flyer Points Conversion: 1 Citi point = 0.4 KrisFlyer miles.
Commbank Diamond Awards
Commbank Diamond Awards
  • Bonus Points 100,000 Awards Points
  • Points Per $1 Spend 1.25
  • Annual Fee $349
  • Purchase Rate 20.24%
  • Minimum Income $0
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 20.24% p.a.
Minimum Credit Limit: $15,000
Annual Fee: $349
Interest Free Days: 55 days
Cash Advance Rate: 21.24% p.a.
Purchase Protection: Yes
Travel Insurance: International Travel Insurance
Mobile Pay: CommBank Pay, Google Pay, Samsung Pay, Beem It Pay
Entertainment: Priceless Cities
Points Per $1 Spend: 1.25 awards points on purchases.
Point Earning Limit: Capped at 1 million points per year.
Bonus Points Offer: 100,000 Awards Points when you apply by 28 October 2020 and spend $4,000 on eligible purchases within 90 days from activation date. New CommBank Awards customers only.
Reward Points to Flyer Points Conversion: 1 Awards point = 0.4 Qantas points or 0.5 Velocity points.
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
  • Bonus Points 100,000 Qantas Points
  • Points Per $1 Spend 1
  • Annual Fee $425
  • Purchase Rate 20.24%
  • Minimum Income $0
  • Purchase Protection
  • Travel Insurance
  • $150 Cashback
Purchase Interest Rate: 20.24% p.a.
Minimum Credit Limit: $15,000
Annual Fee: $425
Interest Free Days: 55 days
Cash Advance Rate: 20.24% p.a.
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. 0.5 Qantas points on eligible purchases above $7,500 per period. 1 extra point on selected Qantas products and services in Australia.
Point Earning Limit: Uncapped Points. Extra points have no earning cap.
Bonus Points Offer: 100,000 Qantas Points when you spend $3,000 on eligible purchases in first 3 months from the approval date. Plus, get an extra 30,000 bonus Qantas Points after keeping your card for over 12 months.

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