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 Points Offer
  • Points Per $1 Spend
  • Annual Fee
  • Purchase Rate (p.a.)
  • Minimum Income
American Express Explorer
American Express Explorer
  • Bonus Points Offer 240,000 Rewards Points
  • Points Per $1 Spend 2
  • Annual Fee $395
  • Purchase Rate (p.a.) 20.74%
  • Minimum Income $65,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $400 travel credit per year
  • Cashback
    Frequent Flyer Points
    2 American Express lounge accesses at Sydney or Melbourne international airports per year
    Smartphone Screen Insurance
    The Hotel Collection
    Apple Pay, Samsung Pay, Google Pay
Purchase Interest Rate: 20.74% p.a.
Minimum Credit Limit: $3,000
Late Payment Fee: $30
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: $30 or 2.5% of the closing balance, whichever is greater
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
Bonus Points Offer: 240,000 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).
American Express Platinum
American Express Platinum
  • Bonus Points Offer 200,000 Rewards Points
  • Points Per $1 Spend 2.25
  • Annual Fee $1,450
  • Purchase Rate (p.a.) -
  • Minimum Income $100,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $450 travel credit per year
  • Cashback
    Frequent Flyer Points
    American Express Global Lounge Collection access for you and a guest to over 1,200 airport lounges including Priority Pass and more
    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
    Smartphone Screen Insurance
    Fine Hotels & Resorts Program, Accor Plus membership, Hotel Elite Status Program & International Airline Program
    Apple Pay, Samsung Pay, Google Pay
    American Express Invites, Digital access to the Australian Financial Review, Centr by Chris Hemsworth program for 12 months
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
Entertainment: American Express Invites, Digital access to the Australian Financial Review, Centr by Chris Hemsworth program for 12 months
Travel Credit: $450 travel credit per year
Hotel: Fine Hotels & Resorts Program, Accor Plus membership, Hotel Elite Status Program & International Airline Program
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
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.
Points Per $1 Spend: 2.25 Rewards points on purchases. 1 Rewards point on government body transactions in Australia.
Point Earning Limit: Uncapped
Bonus Points Offer: 200,000 Rewards Points . 150,000 points when you apply online and spend a minimum $3,000 in first 3 months of approval. Then a bonus 50,000 points in year 2 upon annual 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).
Citi Prestige
Citi Prestige
  • Bonus Points Offer 200,000 Reward Points
  • Points Per $1 Spend 2
  • Annual Fee $700
  • Purchase Rate (p.a.) 21.49%
  • Minimum Income $150,000
  • Purchase Protection
  • International Travel Insurance
  • Frequent Flyer Points
    Unlimited airport lounge access for you & a guest to over 1,200 lounges worldwide plus membership with Priority Pass
    1 complimentary luxury airport transfer per year for up to $100
    Concierge Service
    Free Wine Every Time You Dine With The Citibank Dining Program
    Complimentary 4th night hotel stay when you book 4 consecutive nights at a wide range of hotels
    Apple Pay
    Priceless Cities, Citi World Privileges & World Elite Mastercard
Purchase Interest Rate: 21.49% p.a.
Cash Advance Rate: 22.24% p.a.
Additional Cardholders: Up to 4 additional cardholders at no extra cost
Annual Fee: $700
Minimum Credit Limit: $30,000
Minimum Repayment: $30 or 2.5% of the closing balance, whichever is greater
Interest Free Days: 44 days
Maximum Credit Limit: $100,000
Late Payment Fee: $30
Purchase Protection: Yes
Entertainment: Priceless Cities, Citi World Privileges & World Elite Mastercard
Airport Lounge: Unlimited airport lounge access for you & a guest to over 1,200 lounges worldwide plus membership with Priority Pass
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
Bonus Points Offer: 200,000 Reward Points when spend $7,500 within 60 days from approval. Offer is available to new credit card customers only.
Flyer Points Conversion Rate: 1 Citi reward point = 0.33 Skywards or KrisFlyer miles.
Redeem Points: 10,500 Citi reward points can get you a $50 gift card.

All results

Showing 10 out of 48 results

Credit Card

  • Bonus Points Offer
  • Points Per $1 Spend
  • Annual Fee
  • Purchase Rate (p.a.)
  • Minimum Income
American Express Explorer
American Express Explorer
  • Bonus Points Offer 240,000 Rewards Points
  • Points Per $1 Spend 2
  • Annual Fee $395
  • Purchase Rate (p.a.) 20.74%
  • Minimum Income $65,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $400 travel credit per year
  • Cashback
    Frequent Flyer Points
    2 American Express lounge accesses at Sydney or Melbourne international airports per year
    Smartphone Screen Insurance
    The Hotel Collection
    Apple Pay, Samsung Pay, Google Pay
Purchase Interest Rate: 20.74% p.a.
Minimum Credit Limit: $3,000
Late Payment Fee: $30
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: $30 or 2.5% of the closing balance, whichever is greater
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
Bonus Points Offer: 240,000 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).
American Express Platinum
American Express Platinum
  • Bonus Points Offer 200,000 Rewards Points
  • Points Per $1 Spend 2.25
  • Annual Fee $1,450
  • Purchase Rate (p.a.) -
  • Minimum Income $100,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $450 travel credit per year
  • Cashback
    Frequent Flyer Points
    American Express Global Lounge Collection access for you and a guest to over 1,200 airport lounges including Priority Pass and more
    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
    Smartphone Screen Insurance
    Fine Hotels & Resorts Program, Accor Plus membership, Hotel Elite Status Program & International Airline Program
    Apple Pay, Samsung Pay, Google Pay
    American Express Invites, Digital access to the Australian Financial Review, Centr by Chris Hemsworth program for 12 months
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
Entertainment: American Express Invites, Digital access to the Australian Financial Review, Centr by Chris Hemsworth program for 12 months
Travel Credit: $450 travel credit per year
Hotel: Fine Hotels & Resorts Program, Accor Plus membership, Hotel Elite Status Program & International Airline Program
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
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.
Points Per $1 Spend: 2.25 Rewards points on purchases. 1 Rewards point on government body transactions in Australia.
Point Earning Limit: Uncapped
Bonus Points Offer: 200,000 Rewards Points . 150,000 points when you apply online and spend a minimum $3,000 in first 3 months of approval. Then a bonus 50,000 points in year 2 upon annual 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).
Citi Prestige
Citi Prestige
  • Bonus Points Offer 200,000 Reward Points
  • Points Per $1 Spend 2
  • Annual Fee $700
  • Purchase Rate (p.a.) 21.49%
  • Minimum Income $150,000
  • Purchase Protection
  • International Travel Insurance
  • Frequent Flyer Points
    Unlimited airport lounge access for you & a guest to over 1,200 lounges worldwide plus membership with Priority Pass
    1 complimentary luxury airport transfer per year for up to $100
    Concierge Service
    Free Wine Every Time You Dine With The Citibank Dining Program
    Complimentary 4th night hotel stay when you book 4 consecutive nights at a wide range of hotels
    Apple Pay
    Priceless Cities, Citi World Privileges & World Elite Mastercard
Purchase Interest Rate: 21.49% p.a.
Cash Advance Rate: 22.24% p.a.
Additional Cardholders: Up to 4 additional cardholders at no extra cost
Annual Fee: $700
Minimum Credit Limit: $30,000
Minimum Repayment: $30 or 2.5% of the closing balance, whichever is greater
Interest Free Days: 44 days
Maximum Credit Limit: $100,000
Late Payment Fee: $30
Purchase Protection: Yes
Entertainment: Priceless Cities, Citi World Privileges & World Elite Mastercard
Airport Lounge: Unlimited airport lounge access for you & a guest to over 1,200 lounges worldwide plus membership with Priority Pass
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
Bonus Points Offer: 200,000 Reward Points when spend $7,500 within 60 days from approval. Offer is available to new credit card customers only.
Flyer Points Conversion Rate: 1 Citi reward point = 0.33 Skywards or KrisFlyer miles.
Redeem Points: 10,500 Citi reward points can get you a $50 gift card.
St.George Amplify Signature
St.George Amplify Signature
  • Bonus Points Offer 200,000 Amplify Points
  • Points Per $1 Spend 1.5
  • Annual Fee $279
  • Purchase Rate (p.a.) 19.74%
  • Minimum Income $0
  • Purchase Protection
  • International Travel Insurance
  • Frequent Flyer Points
    2 Priority Pass airport lounge visits each year
    Visa Luxury Hotel Collection
    Apple Pay
Purchase Interest Rate: 19.74% p.a.
Cash Advance Rate: 21.49% p.a.
Minimum Repayment: $10 or 2% of the closing balance, whichever is greater
Annual Fee: $279
Minimum Credit Limit: $15,000
Late Payment Fee: $15
Interest Free Days: 55 days
Additional Cardholders: 1 additional cardholder at no extra cost
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
Bonus Points Offer: 200,000 Amplify Points . 100,000 points in year 1 and 2 when you spend $12,000 on eligible purchases each year. 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).
ANZ Rewards Black
ANZ Rewards Black
  • Bonus Points Offer 180,000 Reward Points
  • Points Per $1 Spend 2
  • Annual Fee $375
  • Purchase Rate (p.a.) 20.24%
  • Minimum Income $0
  • Purchase Protection
  • Domestic & International Travel Insurance
  • Cashback
    Frequent Flyer Points
    Concierge Service
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Exclusives by ANZ
Purchase Interest Rate: 20.24% p.a.
Interest Free Days: 55 days
Additional Cardholders: Up to 9 additional cardholders for a $65 annual fee per card
Annual Fee: $375
Cash Advance Rate: 20.24% p.a.
Minimum Repayment: $25 or 2.5% of the closing balance, whichever is greater
Annual Fee Offer: $0 in 1st year
Minimum Credit Limit: $15,000
Late Payment Fee: $20
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Domestic & International Travel Insurance
Entertainment: Exclusives by ANZ
Points Per $1 Spend: 2 Reward points on eligible purchases up to $5,000 and then 1 Reward point after in each statement period.
Point Earning Limit: Uncapped
Bonus Points Offer: 180,000 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: 11,115 Reward points gets you a $50 gift card or 12,500 points for $50 cashback. 7,800 Velocity points can fly you from Sydney to Byron Bay (one way).
Westpac Altitude Black
Westpac Altitude Black
  • Bonus Points Offer 180,000 Altitude Points
  • Points Per $1 Spend 1.25
  • Annual Fee $250
  • Purchase Rate (p.a.) 20.49%
  • Minimum Income $75,000
  • Purchase Protection
  • Domestic & International Travel Insurance
  • Cashback
    2 Priority Pass airport lounge entries each year to over 1,200 lounges worldwide
    Concierge Service
    Apple Pay, Fitpay, Google Pay, Samsung Pay
Purchase Interest Rate: 20.49% p.a.
Interest Free Days: 45 days
Additional Cardholders: 1 additional cardholder at no extra cost
Annual Fee: $250
Cash Advance Rate: 21.49% p.a.
Minimum Repayment: $10 or 2% of the closing balance, whichever is greater
Annual Fee Offer: $99 in 1st year
Minimum Credit Limit: $15,000
Late Payment Fee: $15
Purchase Protection: Yes
Travel Insurance: Domestic & 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
Bonus Points Offer: 180,000 Altitude Points when you spend $6,000 on eligible purchases within 120 days from 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 Offer 150,000 Qantas Points
  • Points Per $1 Spend 1.25
  • Annual Fee $1,200
  • Purchase Rate (p.a.) 19.99%
  • Minimum Income $200,000
  • Purchase Protection
  • Domestic & International Travel Insurance
  • Frequent Flyer Points
    2 Qantas Club or Qantas International Business Lounge entries each year. 2 Qantas International First Lounges invitations per year
    Concierge Service
    Qantas Wine Premium Membership
Purchase Interest Rate: 19.99% p.a.
Cash Advance Rate: 21.99% p.a.
Minimum Repayment: $30 or 2% of the closing balance, whichever is greater
Annual Fee: $1200
Minimum Credit Limit: $15,000
Late Payment Fee: $30
Interest Free Days: 55 days
Additional Cardholders: Up to 4 additional cardholders for $100 annual fee per card
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 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
Bonus Points Offer: 150,000 Qantas Points when you spend $5,000 within 3 months from approval. Offer extended to 30 June 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.
St.George Amplify Platinum
St.George Amplify Platinum
  • Bonus Points Offer 130,000 Amplify Points
  • Points Per $1 Spend 1
  • Annual Fee $99
  • Purchase Rate (p.a.) 19.74%
  • Minimum Income $0
  • Purchase Protection
  • International Travel Insurance
  • Frequent Flyer Points
    Visa Luxury Hotel Collection
    Apple Pay, Samsung Pay, Google Pay
Purchase Interest Rate: 19.74% p.a.
Interest Free Days: 55 days
Additional Cardholders: 1 additional cardholder at no extra cost
Annual Fee: $99
Cash Advance Rate: 21.49% p.a.
Minimum Repayment: $10 or 2% of the closing balance, whichever is greater
Annual Fee Offer: $49 in 1st year
Minimum Credit Limit: $6,000
Late Payment Fee: $15
Purchase Protection: Yes
Hotel: Visa Luxury Hotel Collection
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Travel Insurance: International Travel Insurance
Points Per $1 Spend: 1 Amplify point on eligible purchases.
Point Earning Limit: Uncapped
Bonus Points Offer: 130,000 Amplify Points when you spend $3,000 on eligible purchases within 90 days from approval. 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).
Westpac Altitude Platinum
Westpac Altitude Platinum
  • Bonus Points Offer 130,000 Altitude Points
  • Points Per $1 Spend 1
  • Annual Fee $150
  • Purchase Rate (p.a.) 20.49%
  • Minimum Income $30,000
  • Purchase Protection
  • Domestic & International Travel Insurance
  • Cashback
    Apple Pay, Fitpay, Google Pay, Samsung Pay
Purchase Interest Rate: 20.49% p.a.
Interest Free Days: 45 days
Additional Cardholders: 1 additional cardholder at no extra cost
Annual Fee: $150
Cash Advance Rate: 21.49% p.a.
Minimum Repayment: $10 or 2% of the closing balance, whichever is greater
Annual Fee Offer: $49 in 1st year
Minimum Credit Limit: $6,000
Late Payment Fee: $15
Purchase Protection: Yes
Mobile Pay: Apple Pay, Fitpay, Google Pay, Samsung Pay
Travel Insurance: Domestic & International Travel Insurance
Points Per $1 Spend: 1 Altitude point on everyday eligible purchases. 2 Altitude points on overseas purchases, Spotify Premium, Airbnb, Uber and Uber Eats. 3 Altitude points on first $10,000 per month on flights purchased in Australia directly with Qantas, Jetstar, Virgin Australia, Emirates and Singapore Airlines, then 1 Altitude point thereafter.
Point Earning Limit: Uncapped
Bonus Points Offer: 130,000 Altitude Points when you spend $3,000 on eligible purchases within 90 days from approval. Offer excludes customers who hold or have held a Westpac Altitude 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).
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
  • Bonus Points Offer 130,000 Qantas Points
  • Points Per $1 Spend 1
  • Annual Fee $425
  • Purchase Rate (p.a.) 20.24%
  • Minimum Income $0
  • Purchase Protection
  • Domestic & International Travel Insurance
  • $250 Cashback
  • Cashback
    Frequent Flyer Points
    2 Qantas Club lounge access passes per year and discounted 1st year Qantas Club membership
    Free Qantas Frequent Flyer membership
    Concierge Service
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Exclusives by ANZ & VISA Entertainment
Purchase Interest Rate: 20.24% p.a.
Cash Advance Rate: 20.24% p.a.
Minimum Repayment: $25 or 2.5% of the closing balance, whichever is greater
Annual Fee: $425
Minimum Credit Limit: $15,000
Late Payment Fee: $20
Interest Free Days: 55 days
Additional Cardholders: Up to 9 additional cardholders for a $65 annual fee per card
Purchase Protection: Yes
Concierge Service: Yes
Travel Services: Free Qantas Frequent Flyer membership
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Domestic & International 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 and then 0.5 Qantas points after in each statement period. 1 bonus Qantas point on selected Qantas products and services in Australia.
Point Earning Limit: Uncapped
Bonus Points Offer: 130,000 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.

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