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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.
Minimum Credit Limit: $15,000
Annual Fee: $279
Interest Free Days: 55 days
Cash Advance Rate: 21.49% p.a.
Purchase Protection: Yes
Hotel: Visa Luxury Hotel Collection
Travel Insurance: International Travel Insurance
Airport Lounge: 2 priority passes
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.
Interest Free Days: 44 days
Annual Fee: $1450
Minimum Credit Limit: $0
Purchase Protection: Yes
Concierge Service: Yes
Airport Lounge: Priority pass & access for you and a guest to airport lounges in the American Express Global Lounge Collection
Smartphone Screen Insurance: Yes
Travel Insurance: Domestic & International Travel Insurance
Hotel: Fine Hotels & Resorts Program, Accor Plus membership & Hotel Elite Status Program
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Travel Credit: $450 travel credit per year
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.
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.
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. 2 Qantas international first lounges invitations
Concierge Service: Yes
Travel Insurance: Travel Insurance
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.

All Results (59)

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.
Minimum Credit Limit: $15,000
Annual Fee: $279
Interest Free Days: 55 days
Cash Advance Rate: 21.49% p.a.
Purchase Protection: Yes
Hotel: Visa Luxury Hotel Collection
Travel Insurance: International Travel Insurance
Airport Lounge: 2 priority passes
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.
Interest Free Days: 44 days
Annual Fee: $1450
Minimum Credit Limit: $0
Purchase Protection: Yes
Concierge Service: Yes
Airport Lounge: Priority pass & access for you and a guest to airport lounges in the American Express Global Lounge Collection
Smartphone Screen Insurance: Yes
Travel Insurance: Domestic & International Travel Insurance
Hotel: Fine Hotels & Resorts Program, Accor Plus membership & Hotel Elite Status Program
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Travel Credit: $450 travel credit per year
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.
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.
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. 2 Qantas international first lounges invitations
Concierge Service: Yes
Travel Insurance: Travel Insurance
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 Qantas
Citi Signature Qantas
  • Rewards Promo 150,000 Qantas Points
  • Points Per $1 Spend 0.75
  • Annual Fee $444
  • Purchase Rate 20.99%
  • Minimum Income $75,000
  • Purchase Protection
  • International Travel Insurance
  • Frequent Flyer Points
Purchase Interest Rate: 20.99% p.a.
Minimum Credit Limit: $0
Annual Fee: $444
Interest Free Days: 55 days
Cash Advance Rate: 21.74% p.a.
Purchase Protection: Yes
Entertainment: Citi World Privileges
Airport Lounge: Priority pass with 2 airport lounge visits per year
Mobile Pay: Apple Pay, Samsung Pay
Concierge Service: Yes
Travel Services:
Dining: Free Wine Every Time You Dine With The Citibank Dining Program
Travel Insurance: International Travel Insurance
Points Per $1 Spend: 0.5 Qantas points on eligible domestic spend up to $20,000 per statement period. 0.75 Qantas points with major: supermarkets, petrol outlets and national retailers. 1 Qantas point with major: airlines, hotel chains and restaurants in Australia. 1 Qantas point on international eligible transactions.
Point Earning Limit: $20,000 domestic eligible purchases per statement period. Unlimited points on domestic major: supermarkets, petrol outlets and national retailers, major airlines, hotel chains and restaurants. Unlimited points on international eligible transactions.
Rewards Promo: 150,000 Qantas Points receive 100,000 bonus Qantas Points when you spend $5,000 within 90 days from approval, plus get an additional 50,000 bonus Qantas Points after your first anniversary. That could get you a return flight from Melbourne to San Francisco on an economy classic flight reward plus taxes, fees and carrier charges.
NAB Rewards Signature
NAB Rewards Signature
  • Rewards Promo 120,000 Points
  • Points Per $1 Spend 2.5
  • Annual Fee $295
  • Purchase Rate 19.99%
  • Minimum Income $0
  • Cashback
  • Purchase Protection
  • International Travel Insurance
  • Frequent Flyer Points
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: Unlimited Points.
Rewards Promo: 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.
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.
Minimum Credit Limit: $0
Annual Fee: $395
Interest Free Days: 55 days
Cash Advance Rate: 21.74% p.a.
Purchase Protection: Yes
Entertainment: Visa Front Line Access & Citi World Privileges
Airport Lounge: Priority pass with 2 airport lounge visits per year
Mobile Pay: Apple Pay, Samsung Pay
Concierge Service: Yes
Travel Services:
Dining: Free Wine Every Time You Dine With The Citibank Dining Program
Travel Insurance: International Travel Insurance
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.
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: Limit of 1 million points per year.
Rewards Promo: 120,000 Points when apply by 31 October and spend $6,000 on eligible purchases by 31 January 2020.
Citi Platinum (Rewards Offer)
Citi Platinum (Rewards Offer)
  • Rewards Promo 120,000 Points
  • Points Per $1 Spend 1
  • Annual Fee $149
  • Purchase Rate 20.99%
  • Minimum Income $35,000
  • Cashback
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 20.99% p.a.
Minimum Credit Limit: $0
Annual Fee: $149
Interest Free Days: 55 days
Cash Advance Rate: 21.74% p.a.
Purchase Protection: Yes
Entertainment: Visa Front Line Access & Citi World Privileges
Mobile Pay: Apple Pay, Samsung Pay, Citi Pay
Concierge Service: Yes
Dining: Free Wine Every Time You Dine With The Citibank Dining Program
Travel Insurance: International Travel Insurance
Points Per $1 Spend: 1 Citi point on eligible domestic spend up to $10,000 per statement period. 1 Citi point on eligible international spend.
Point Earning Limit: $10,000 domestic purchases per statement period. Point earnings on international purchases are uncapped.
Rewards Promo: 120,000 Points with 80,000 bonus points when you spend $3,000 in the first 90 days from approval and an additional 40,000 bonus points on your first anniversary. That is $550 in value of gift cards for Myer, David Jones, Bunnings, Coles and more.
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.
Minimum Credit Limit: $6,000
Annual Fee: $299
Interest Free Days: 55 days
Cash Advance Rate: 21.99% p.a.
Dining: $50 Qantas Wine Discount Voucher
Airport Lounge: 2 Qantas club or Qantas international business lounges entries
Concierge Service: Yes
Travel Insurance: Travel Insurance
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.
NAB Qantas Rewards Signature
NAB Qantas Rewards Signature
  • Rewards Promo 120,000 Qantas Points
  • Points Per $1 Spend 1
  • Annual Fee $395
  • Purchase Rate 19.99%
  • Minimum Income $0
  • Purchase Protection
  • International Travel Insurance
  • Qantas Frequent Flyer
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 above $5,000. 1 bonus point on eligible Qantas services.
Point Earning Limit: Limit of $20,000 spend per statement period.
Rewards Promo: 120,000 Qantas Points . 90,000 points when you spend $3,000 on everyday purchases within 60 days of the account open date. 30,000 points when you keep 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 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