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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.
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.

All Results (23)

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.
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.
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.
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
  • Purchase Protection
  • Refund 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: Unlimited Points.
Rewards Promo: 115,000 Points when you spend $84,000 on eligible purchases each year.
ANZ Rewards Platinum
ANZ Rewards Platinum
  • Rewards Promo 100,000 Points
  • Points Per $1 Spend 1.5
  • Annual Fee $95
  • Purchase Rate 20.24%
  • Minimum Income $0
  • Purchase Protection
  • Domestic & International Travel Insurance
Purchase Interest Rate: 20.24% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $95
Interest Free Days: 55 days
Cash Advance Rate: 20.24% p.a.
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Entertainment: VISA Entertainment
Concierge Service: Yes
Points Per $1 Spend: 1.5 points on eligible purchases up to $2,000 per statement period. 0.5 points on eligible purchases above $2,000 per period.
Point Earning Limit: Unlimited Points.
Rewards Promo: 100,000 Points when you spend $2,500 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
Purchase Interest Rate: 19.74% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $99
Interest Free Days: 55 days
Cash Advance Rate: 21.49% p.a.
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Concierge Service: Yes
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 70,000 Amplify points in year 1 plus a further 30,000 in year 2.
Commbank Platinum Awards
Commbank Platinum Awards
  • Rewards Promo 100,000 Points
  • Points Per $1 Spend 1
  • Annual Fee $249
  • Purchase Rate 20.24%
  • Minimum Income $0
  • Purchase Protection
  • International Travel Insurance
Purchase Interest Rate: 20.24% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $249
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 Awards point on purchases.
Point Earning Limit: Limit of 150,000 points per year.
Rewards Promo: 100,000 Points when apply by 29 February 2020 and spend $4,000 on eligible purchases within 90 days of activation.
Bankwest More Platinum
Bankwest More Platinum
  • Rewards Promo 75,000 Points
  • Points Per $1 Spend 2
  • Annual Fee $160
  • Purchase Rate 19.99%
  • Minimum Income $0
  • Purchase Protection
  • Refund Protection
  • No Foreign Transaction Fees
  • International Travel Insurance
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $160
Interest Free Days: 44 days
Cash Advance Rate: 21.99% p.a.
No Foreign Transaction Fees: Yes
Purchase Protection: Yes
Travel Insurance: International Travel Insurance
Points Per $1 Spend: 2 points on eligible purchases.
Point Earning Limit: Unlimited Points.
Rewards Promo: 75,000 Points when you spend $48,000 on eligible purchases each year.

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