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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
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 passes
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: Unlimited Points.
Rewards Promo: 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 in year 2.
ANZ Rewards Black
ANZ Rewards Black
  • Rewards Promo 150,000 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
Travel Insurance: Travel Insurance
Entertainment: Exclusives by ANZ
Airport Lounge: Overseas aiport lounge access
Concierge Service: Yes
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: 150,000 Points when you spend $4,000 on eligible purchases in first 3 months from the approval date.
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
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 (56)

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
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 passes
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: Unlimited Points.
Rewards Promo: 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 in year 2.
ANZ Rewards Black
ANZ Rewards Black
  • Rewards Promo 150,000 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
Travel Insurance: Travel Insurance
Entertainment: Exclusives by ANZ
Airport Lounge: Overseas aiport lounge access
Concierge Service: Yes
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: 150,000 Points when you spend $4,000 on eligible purchases in first 3 months from the approval date.
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
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.
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
  • 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. 1 NAB Reward Point = 0.5 Velocity Points.
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.
Coles Rewards
Coles Rewards
  • Rewards Promo 120,000 Points
  • Points Per $1 Spend 2
  • Annual Fee $99
  • Purchase Rate 19.99%
  • Minimum Income $25,000
  • Purchase Protection
  • No Foreign Transaction Fees
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $2,000
Annual Fee: $99
Interest Free Days: 55 days
Cash Advance Rate: 19.99% p.a.
No Foreign Transaction Fees: Yes
Concierge Service: Yes
Purchase Protection: Yes
Mobile Pay: Coles Mobile Wallet
Points Per $1 Spend: 2 flyby Points on eligible spend at Coles Supermarkets. Get $10 off your Coles supermarket shopping at the checkout when you redeem 2,000 flybuys points.
Point Earning Limit: Unlimited Points.
Rewards Promo: 120,000 Points when spend $3,000 in first 90 days from approval and apply by 31 January 2020.
Citi Signature
Citi Signature
  • Rewards Promo 120,000 Points
  • Points Per $1 Spend 1.5
  • Annual Fee $395
  • Purchase Rate 21.49%
  • Minimum Income $75,000
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 21.49% p.a.
Minimum Credit Limit: $15,000
Annual Fee: $395
Interest Free Days: 55 days
Cash Advance Rate: 22.24% 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.
Citi Platinum (Rewards Offer)
Citi Platinum (Rewards Offer)
  • Rewards Promo 120,000 Points
  • Points Per $1 Spend 1
  • Annual Fee $149
  • Purchase Rate 21.49%
  • Minimum Income $35,000
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 21.49% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $149
Interest Free Days: 55 days
Cash Advance Rate: 22.24% 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
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
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.
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
  • Rewards Promo 120,000 Qantas Points
  • Points Per $1 Spend 1
  • Annual Fee $425
  • Purchase Rate 20.24%
  • Minimum Income $0
  • Purchase Protection
  • Travel Insurance
  • $275 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
Travel Insurance: Travel Insurance
Entertainment: Exclusives by ANZ & VISA Entertainment
Airport Lounge: 2 Qantas lounge access passes per year
Concierge Service: Yes
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: Unlimited points. Extra points have no earning cap.
Rewards Promo: 120,000 Qantas Points when you spend $4,000 on eligible purchases in first 3 months from the approval date.

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