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  • Rewards Promo
  • Points Per $1 Spend
  • Annual Fee
  • Purchase Rate
  • Minimum Income
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.
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 $76,000
  • 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.
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.

All Results (6)

Credit Card

  • Rewards Promo
  • Points Per $1 Spend
  • Annual Fee
  • Purchase Rate
  • Minimum Income
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.
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 $76,000
  • 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.
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.
ANZ Rewards Travel Adventures
ANZ Rewards Travel Adventures
  • Rewards Promo 75,000 Velocity Points
  • Points Per $1 Spend 1.5
  • Annual Fee $225
  • Purchase Rate 20.24%
  • Minimum Income $0
  • Purchase Protection
  • No Foreign Transaction Fees
  • Domestic & International Travel Insurance
  • Annual complimentary domestic return flight
Purchase Interest Rate: 20.24% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $225
Interest Free Days: 55 days
Cash Advance Rate: 20.24% p.a.
No Foreign Transaction Fees: Yes
Travel Insurance: Domestic & International Travel Insurance
Purchase Protection: Yes
Travel Credit: Annual complimentary domestic return flight
Concierge Service: Yes
Airport Lounge: 2 Virgin single entry lounge access passes per year
Points Per $1 Spend: 1.5 ANZ reward points on eligible purchases up to $2,000 per statement period. 0.5 reward points on eligible purchases above $2,000 per period. 1 ANZ Reward Point = 0.5 Velocity Points.
Point Earning Limit: Unlimited Points.
Rewards Promo: 75,000 Velocity Points when you spend $2,500 on eligible purchases in first 3 months from the approval date.
Bankwest Qantas World
Bankwest Qantas World
  • Rewards Promo -
  • Points Per $1 Spend 1
  • Annual Fee $270
  • Purchase Rate 20.49%
  • Minimum Income $0
  • No Foreign Transaction Fees
  • International Travel Insurance
Purchase Interest Rate: 20.49% 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
Travel Insurance: International Travel Insurance
Points Per $1 Spend: 1 Qantas point on the first $5,000 spent per month. 0.5 Qantas points spent above $5,000.
Point Earning Limit: Unlimited Points.
Bankwest Qantas Platinum
Bankwest Qantas Platinum
  • Rewards Promo -
  • Points Per $1 Spend 0.75
  • Annual Fee $160
  • Purchase Rate 20.49%
  • Minimum Income $0
  • No Foreign Transaction Fees
  • International Travel Insurance
Purchase Interest Rate: 20.49% p.a.
Minimum Credit Limit: $3,000
Annual Fee: $160
Interest Free Days: 44 days
Cash Advance Rate: 21.99% p.a.
No Foreign Transaction Fees: Yes
Travel Insurance: International Travel Insurance
Points Per $1 Spend: 0.75 Qantas points on the first $2,500 spent per month. 0.3 Qantas points above $2,500 per month.
Point Earning Limit: Unlimited Points.

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