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Credit Card

  • Rewards Promo
  • Points Per $1 Spend
  • Annual Fee
  • Purchase Rate
  • Minimum Income
St.George Amplify Signature
St.George Amplify Signature
  • Rewards Promo 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
  • Frequent Flyer Points
Purchase Interest Rate: 19.74% p.a.
Annual Fee: $279
Cash Advance Rate: 21.49% p.a.
Minimum Credit Limit: $15,000
Interest Free Days: 55 days
Purchase Protection: Yes
Travel Insurance: International Travel Insurance
Airport Lounge: 2 Priority Passes
Hotel: Visa Luxury Hotel Collection
Points Per $1 Spend: 1.5 Amplify point on eligible purchases.
Point Earning Limit: Unlimited Points.
Rewards Promo: 200,000 Amplify Points when you spend $12,000 on eligible purchases each year for 100,000 Amplify points in year 1 plus a further 100,000 in year 2.
American Express Platinum
American Express Platinum
  • Rewards Promo 150,000 Points
  • Points Per $1 Spend 2.25
  • Annual Fee $1,450
  • Purchase Rate -
  • Minimum Income $100,000
  • Cashback
  • Purchase Protection
  • Domestic & International Travel Insurance
  • $450 Travel Credit Per Year
Purchase Interest Rate: 0% p.a.
Annual Fee: $1450
Cash Advance Rate: -% p.a.
Minimum Credit Limit: $0
Interest Free Days: 44 days
Purchase Protection: Yes
Smartphone Screen Insurance: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Concierge Service: Yes
Travel Insurance: Domestic & International Travel Insurance
Travel Credit: $450 Travel Credit Per Year
Airport Lounge: Priority Pass & Access for you and a guest to airport lounges in the American Express Global Lounge Collection
Hotel: Fine Hotels & Resorts Program, Accor Plus Membership & Hotel Elite Status Program
Points Per $1 Spend: 2.25 points on purchases. 1 point on government body transactions in Australia.
Point Earning Limit: Unlimited Points.
Rewards Promo: 150,000 Points if apply by 28 August 2019 and spend $1,500 in the first 3 months. New card members only.
Citi Prestige
Citi Prestige
  • Rewards Promo 150,000 Points
  • Points Per $1 Spend 2
  • Annual Fee $700
  • Purchase Rate 20.99%
  • Minimum Income $150,000
  • Cashback
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 20.99% p.a.
Annual Fee: $700
Cash Advance Rate: 21.74% p.a.
Minimum Credit Limit: $0
Interest Free Days: 44 days
Purchase Protection: Yes
Mobile Pay: Apple Pay, Samsung Pay, Citi Pay
Dining: Free Wine Every Time You Dine With The Citibank Dining Program
Entertainment: Visa Front Line Access & Citi World Privileges. Tee Off With 3 Complimentary Green Fees Every Year
Concierge Service: Yes
Travel Insurance: International Travel Insurance
Airport Lounge: Priority Pass Airport Lounge Access For You & Guest
Travel Services: 2 Complimentary Luxury Airport Transfers Per Year
Points Per $1 Spend: 1 Citi point on domestic eligible transactions. 2 Citi points with major: supermarkets, petrol outlets and national retailers. 2 Citi points domestically with major: airlines, hotel chains and restaurants in Australia. 3 Citi points on transactions made overseas or with an overseas merchant.
Point Earning Limit: Unlimited Points.
Rewards Promo: 150,000 Points when you spend $5,000 in first 90 days from the approval date. Transfer points to air miles with airline partners. Or $700 worth of digital gift cards at some of Australia's favourite retailers.

All Results (61)

Credit Card

  • Rewards Promo
  • Points Per $1 Spend
  • Annual Fee
  • Purchase Rate
  • Minimum Income
St.George Amplify Signature
St.George Amplify Signature
  • Rewards Promo 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
  • Frequent Flyer Points
Purchase Interest Rate: 19.74% p.a.
Annual Fee: $279
Cash Advance Rate: 21.49% p.a.
Minimum Credit Limit: $15,000
Interest Free Days: 55 days
Purchase Protection: Yes
Travel Insurance: International Travel Insurance
Airport Lounge: 2 Priority Passes
Hotel: Visa Luxury Hotel Collection
Points Per $1 Spend: 1.5 Amplify point on eligible purchases.
Point Earning Limit: Unlimited Points.
Rewards Promo: 200,000 Amplify Points when you spend $12,000 on eligible purchases each year for 100,000 Amplify points in year 1 plus a further 100,000 in year 2.
American Express Platinum
American Express Platinum
  • Rewards Promo 150,000 Points
  • Points Per $1 Spend 2.25
  • Annual Fee $1,450
  • Purchase Rate -
  • Minimum Income $100,000
  • Cashback
  • Purchase Protection
  • Domestic & International Travel Insurance
  • $450 Travel Credit Per Year
Purchase Interest Rate: 0% p.a.
Annual Fee: $1450
Cash Advance Rate: -% p.a.
Minimum Credit Limit: $0
Interest Free Days: 44 days
Purchase Protection: Yes
Smartphone Screen Insurance: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Concierge Service: Yes
Travel Insurance: Domestic & International Travel Insurance
Travel Credit: $450 Travel Credit Per Year
Airport Lounge: Priority Pass & Access for you and a guest to airport lounges in the American Express Global Lounge Collection
Hotel: Fine Hotels & Resorts Program, Accor Plus Membership & Hotel Elite Status Program
Points Per $1 Spend: 2.25 points on purchases. 1 point on government body transactions in Australia.
Point Earning Limit: Unlimited Points.
Rewards Promo: 150,000 Points if apply by 28 August 2019 and spend $1,500 in the first 3 months. New card members only.
Citi Prestige
Citi Prestige
  • Rewards Promo 150,000 Points
  • Points Per $1 Spend 2
  • Annual Fee $700
  • Purchase Rate 20.99%
  • Minimum Income $150,000
  • Cashback
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 20.99% p.a.
Annual Fee: $700
Cash Advance Rate: 21.74% p.a.
Minimum Credit Limit: $0
Interest Free Days: 44 days
Purchase Protection: Yes
Mobile Pay: Apple Pay, Samsung Pay, Citi Pay
Dining: Free Wine Every Time You Dine With The Citibank Dining Program
Entertainment: Visa Front Line Access & Citi World Privileges. Tee Off With 3 Complimentary Green Fees Every Year
Concierge Service: Yes
Travel Insurance: International Travel Insurance
Airport Lounge: Priority Pass Airport Lounge Access For You & Guest
Travel Services: 2 Complimentary Luxury Airport Transfers Per Year
Points Per $1 Spend: 1 Citi point on domestic eligible transactions. 2 Citi points with major: supermarkets, petrol outlets and national retailers. 2 Citi points domestically with major: airlines, hotel chains and restaurants in Australia. 3 Citi points on transactions made overseas or with an overseas merchant.
Point Earning Limit: Unlimited Points.
Rewards Promo: 150,000 Points when you spend $5,000 in first 90 days from the approval date. Transfer points to air miles with airline partners. Or $700 worth of digital gift cards at some of Australia's favourite retailers.
Qantas Premier Titanium
Qantas Premier Titanium
  • Rewards Promo 150,000 Qantas Points
  • Points Per $1 Spend 1.25
  • Annual Fee $1,200
  • Purchase Rate 19.99%
  • Minimum Income $200,000
  • Travel Insurance
  • Frequent Flyer Points
Purchase Interest Rate: 19.99% p.a.
Annual Fee: $1200
Cash Advance Rate: 21.99% p.a.
Minimum Credit Limit: $15,000
Interest Free Days: 55 days
Dining: Qantas Wine Premium Membership
Concierge Service: Yes
Travel Insurance: Travel Insurance
Airport Lounge: 2 Qantas Club or Qantas International Business Lounge Entries. 2 Qantas International First Lounges Invitations.
Points Per $1 Spend: 1.25 Qants point on everyday purchases up to $12,500 per period. 0.5 Qantas points on purchases above $12,500. 2 Qantas points on international purchases. 2 extra points on eligible Qantas services.
Point Earning Limit: Unlimited Points.
Rewards Promo: 150,000 Qantas Points when you spend $5,000 in 90 days from the approval date.
Citi Signature
Citi Signature
  • Rewards Promo 120,000 Points
  • Points Per $1 Spend 1.5
  • Annual Fee $395
  • Purchase Rate 20.99%
  • Minimum Income $75,000
  • Cashback
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 20.99% p.a.
Annual Fee: $395
Cash Advance Rate: 21.74% p.a.
Minimum Credit Limit: $0
Interest Free Days: 55 days
Purchase Protection: Yes
Mobile Pay: Apple Pay, Samsung Pay
Dining: Free Wine Every Time You Dine With The Citibank Dining Program
Entertainment: Visa Front Line Access & Citi World Privileges
Concierge Service: Yes
Travel Insurance: International Travel Insurance
Airport Lounge: Priority Pass With 2 Airport Lounge Visits Per Year
Points Per $1 Spend: 1 Citi point on domestic eligible transactions. 1.5 Citi points with major: supermarkets, petrol outlets and national retailers. 2 Citi points domestically with major: airlines, hotel chains and restaurants in Australia. 2 Citi points on transactions made overseas or with overseas merchant.
Point Earning Limit: Unlimited Points.
Rewards Promo: 120,000 Points when you spend $4,000 in the first 90 days from the approval date. Transfer points to air miles with airline partners. Or $5500 worth of digital gift cards at some of Australia's favourite retailers.
Commbank Diamond Awards
Commbank Diamond Awards
  • Rewards Promo 120,000 Points
  • Points Per $1 Spend 1.25
  • Annual Fee $349
  • Purchase Rate 20.24%
  • Minimum Income $0
  • Cashback
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 20.24% p.a.
Annual Fee: $349
Cash Advance Rate: 21.24% p.a.
Minimum Credit Limit: $15,000
Interest Free Days: 55 days
Purchase Protection: Yes
Mobile Pay: CommBank Pay, Google Pay, Samsung Pay, Beem It Pay
Entertainment: Priceless Cities
Travel Insurance: International Travel Insurance
Points Per $1 Spend: 1.25 Awards points on purchases.
Point Earning Limit: Limit of 1 million points per year.
Rewards Promo: 120,000 Points when apply by 31 July and spend $6,000 on eligible purchases by 31 October 2019.
Qantas Premier Platinum
Qantas Premier Platinum
  • Rewards Promo 120,000 Qantas Points
  • Points Per $1 Spend 1
  • Annual Fee $299
  • Purchase Rate 19.99%
  • Minimum Income $35,000
  • Travel Insurance
  • Frequent Flyer Points
Purchase Interest Rate: 19.99% p.a.
Annual Fee: $299
Cash Advance Rate: 21.99% p.a.
Minimum Credit Limit: $6,000
Interest Free Days: 55 days
Dining: $50 Qantas Wine Discount Voucher
Concierge Service: Yes
Travel Insurance: Travel Insurance
Airport Lounge: 2 Qantas Club or Qantas International Business Lounges Entries
Points Per $1 Spend: 1 Qantas point on everyday purchases up to $10,000 period. 0.5 Qantas points on purchases above $10,000. 1.5 Qantas points on international purchases. 1 extra point on eligible Qantas services.
Point Earning Limit: Unlimited Points.
Rewards Promo: 120,000 Qantas Points when you spend $1,500 on eligible purchases for 20,000 points per month for 6 months.
Bankwest More World
Bankwest More World
  • Rewards Promo 115,000 Points
  • Points Per $1 Spend 2.5
  • Annual Fee $270
  • Purchase Rate 19.99%
  • Minimum Income $0
  • Cashback
  • Purchase Protection
  • No Foreign Transaction Fees
  • International Travel Insurance
Purchase Interest Rate: 19.99% p.a.
Annual Fee: $270
Cash Advance Rate: 21.99% p.a.
Minimum Credit Limit: $12,000
Interest Free Days: 44 days
No Foreign Transaction Fees: Yes
Purchase Protection: Yes
Travel Insurance: International Travel Insurance
Airport Lounge: Airport Lounge Access For You & Guests With LoungeKey
Points Per $1 Spend: 2.5 points on eligible purchases.
Point Earning Limit: Unlimited Points.
Rewards Promo: 115,000 Points when you spend $84,000 on eligible purchases each year.
ANZ Rewards Black
ANZ Rewards Black
  • Rewards Promo 100,000 Points
  • Points Per $1 Spend 2
  • Annual Fee $375
  • Purchase Rate 18.79%
  • Minimum Income $75,000
  • Cashback
  • Purchase Protection
  • Travel Insurance
  • $100 Cashback
Purchase Interest Rate: 18.79% p.a.
Annual Fee: $375
Cash Advance Rate: 20.99% p.a.
Minimum Credit Limit: $15,000
Interest Free Days: 55 days
Purchase Protection: Yes
Entertainment: Exclusives by ANZ
Concierge Service: Yes
Travel Insurance: Travel Insurance
Airport Lounge: Overseas Aiport Lounge Access
Points Per $1 Spend: 2 points on eligible purchases up to $5,000 per statement period. 1 point on eligible purchases above $5,000 per period.
Point Earning Limit: Unlimited Points.
Rewards Promo: 100,000 Points when you spend $4,000 on eligible purchases in first 3 months from the approval date.
St.George Amplify Platinum
St.George Amplify Platinum
  • Rewards Promo 100,000 Amplify Points
  • Points Per $1 Spend 1
  • Annual Fee $99
  • Purchase Rate 19.74%
  • Minimum Income $0
  • International Travel Insurance
  • Frequent Flyer Points
Purchase Interest Rate: 19.74% p.a.
Annual Fee: $99
Cash Advance Rate: 21.49% p.a.
Minimum Credit Limit: $6,000
Interest Free Days: 55 days
Travel Insurance: International Travel Insurance
Points Per $1 Spend: 1 Amplify point on eligible purchases.
Point Earning Limit: Unlimited Points.
Rewards Promo: 100,000 Amplify Points when you spend $6,000 on eligible purchases each year for 50,000 Amplify points in year 1 plus a further 50,000 in year 2.

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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Disclaimer 

Kredmo Pty Ltd is not a credit provider and does not provide personal financial or professional advice or credit assistance. 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

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