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Credit Card

  • Rewards Promo
  • Points Per $1 Spend
  • Annual Fee
  • Purchase Rate
  • Minimum Income
American Express Velocity Platinum
American Express Velocity Platinum
  • Rewards Promo 100,000 Velocity Points
  • Points Per $1 Spend 1.25
  • Annual Fee $375
  • Purchase Rate 20.74%
  • Minimum Income $65,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • Complimentary Virgin Australia return domestic flight
Purchase Interest Rate: 20.74% p.a.
Interest Free Days: 55 days
Annual Fee: $375
Minimum Credit Limit: $3,000
Purchase Protection: Yes
Travel Credit: Complimentary Virgin Australia return domestic flight
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Airport Lounge: 2 Virgin & 2 American Express lounge access passes
Travel Insurance: Domestic & International Travel Insurance
Points Per $1 Spend: 1.25 Velocity points on purchases. 0.5 Velocity points on government bodies in Australia. 1 extra Velocity point on purchases with Virgin Australia.
Point Earning Limit: Unlimited Points.
Rewards Promo: 100,000 Velocity Points when you spend $3,000 by 12 Feburary 2020, and are spend $3,000 within the first 3 months. New card nembers only.
American Express Platinum
American Express Platinum
  • Rewards Promo 80,000 Points
  • Points Per $1 Spend 2.25
  • Annual Fee $1,450
  • Purchase Rate -
  • Minimum Income $100,000
  • Purchase Protection
  • Refund 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: 80,000 Points when you spend $3,000 in the first 3 months. New card members only.
American Express Explorer
American Express Explorer
  • Rewards Promo 70,000 Points
  • Points Per $1 Spend 2
  • Annual Fee $395
  • Purchase Rate 20.74%
  • Minimum Income $65,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $400 travel credit per year
Purchase Interest Rate: 20.74% p.a.
Interest Free Days: 55 days
Annual Fee: $395
Minimum Credit Limit: $3,000
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Hotel: The Hotel Collection
Smartphone Screen Insurance: Yes
Travel Credit: $400 travel credit per year
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Airport Lounge: 2 aiport lounge access at Sydney or Melbourne international airports
Points Per $1 Spend: 2 points on purchases. 1 point on government body transactions in Australia.
Point Earning Limit: Unlimited Points.
Rewards Promo: 70,000 Points when you spend $3,000 in the first 3 months from the approval date.

All Results (11)

Credit Card

  • Rewards Promo
  • Points Per $1 Spend
  • Annual Fee
  • Purchase Rate
  • Minimum Income
American Express Velocity Platinum
American Express Velocity Platinum
  • Rewards Promo 100,000 Velocity Points
  • Points Per $1 Spend 1.25
  • Annual Fee $375
  • Purchase Rate 20.74%
  • Minimum Income $65,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • Complimentary Virgin Australia return domestic flight
Purchase Interest Rate: 20.74% p.a.
Interest Free Days: 55 days
Annual Fee: $375
Minimum Credit Limit: $3,000
Purchase Protection: Yes
Travel Credit: Complimentary Virgin Australia return domestic flight
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Airport Lounge: 2 Virgin & 2 American Express lounge access passes
Travel Insurance: Domestic & International Travel Insurance
Points Per $1 Spend: 1.25 Velocity points on purchases. 0.5 Velocity points on government bodies in Australia. 1 extra Velocity point on purchases with Virgin Australia.
Point Earning Limit: Unlimited Points.
Rewards Promo: 100,000 Velocity Points when you spend $3,000 by 12 Feburary 2020, and are spend $3,000 within the first 3 months. New card nembers only.
American Express Platinum
American Express Platinum
  • Rewards Promo 80,000 Points
  • Points Per $1 Spend 2.25
  • Annual Fee $1,450
  • Purchase Rate -
  • Minimum Income $100,000
  • Purchase Protection
  • Refund 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: 80,000 Points when you spend $3,000 in the first 3 months. New card members only.
American Express Explorer
American Express Explorer
  • Rewards Promo 70,000 Points
  • Points Per $1 Spend 2
  • Annual Fee $395
  • Purchase Rate 20.74%
  • Minimum Income $65,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $400 travel credit per year
Purchase Interest Rate: 20.74% p.a.
Interest Free Days: 55 days
Annual Fee: $395
Minimum Credit Limit: $3,000
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Hotel: The Hotel Collection
Smartphone Screen Insurance: Yes
Travel Credit: $400 travel credit per year
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Airport Lounge: 2 aiport lounge access at Sydney or Melbourne international airports
Points Per $1 Spend: 2 points on purchases. 1 point on government body transactions in Australia.
Point Earning Limit: Unlimited Points.
Rewards Promo: 70,000 Points when you spend $3,000 in the first 3 months from the approval date.
Qantas American Express Ultimate
Qantas American Express Ultimate
  • Rewards Promo 55,000 Qantas Points
  • Points Per $1 Spend 1.25
  • Annual Fee $450
  • Purchase Rate 20.74%
  • Minimum Income $65,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $450 Qantas travel credit per year
Purchase Interest Rate: 20.74% p.a.
Interest Free Days: 44 days
Annual Fee: $450
Minimum Credit Limit: $3,000
Purchase Protection: Yes
Travel Credit: $450 Qantas travel credit per year
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Airport Lounge: 2 American express airport lounge entries & 2 Qantas club lounge accesses
Travel Insurance: Domestic & International Travel Insurance
Points Per $1 Spend: 1.25 Qantas point on purchases. 0.5 Qantas points on purchases at government bodies in Australia. 1 extra Qantas point with Qantas products and services.
Point Earning Limit: Unlimited Points.
Rewards Promo: 55,000 Qantas Points when you spend $3,000 within the first 3 months.
David Jones American Express Platinum
David Jones American Express Platinum
  • Rewards Promo 30,000 Points
  • Points Per $1 Spend 4
  • Annual Fee $295
  • Purchase Rate 20.74%
  • Minimum Income $65,000
  • Purchase Protection
  • Refund Protection
  • Travel Insurance
Purchase Interest Rate: 20.74% p.a.
Interest Free Days: 44 days
Annual Fee: $295
Minimum Credit Limit: $2,000
Purchase Protection: Yes
Airport Lounge: 2 airport lounge access at Sydney or Melbourne international airports
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Travel Insurance: Travel Insurance
Points Per $1 Spend: 3 Reward points at major supermarkets & petrol stations. 4 Reward points at David Jones. 1 Reward point spent everywhere else. 1 Reward Point = 0.5 Qantas Points.
Point Earning Limit: Unlimited Points.
Rewards Promo: 30,000 Points when you spend $750 outside David Jones within the first three months.
Qantas American Express Premium
Qantas American Express Premium
  • Rewards Promo 30,000 Qantas Points
  • Points Per $1 Spend 1
  • Annual Fee $249
  • Purchase Rate 20.74%
  • Minimum Income $40,000
  • Purchase Protection
  • Refund Protection
  • Travel Insurance
Purchase Interest Rate: 20.74% p.a.
Interest Free Days: 44 days
Annual Fee: $249
Minimum Credit Limit: $2,000
Purchase Protection: Yes
Travel Insurance: Travel Insurance
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Airport Lounge: 2 Qantas club lounge accesses
Dining: Qantas Wine Premium Membership
Points Per $1 Spend: 1 Qantas point on purchases. 0.5 Qantas points on purchases at government bodies in Australia. 1 extra Qantas Point with Qantas products and services.
Point Earning Limit: Unlimited Points.
Rewards Promo: 30,000 Qantas Points when you spend $3,000 in the first 3 months from the approval date.
David Jones American Express
David Jones American Express
  • Rewards Promo 15,000 Points
  • Points Per $1 Spend 3
  • Annual Fee $99
  • Purchase Rate 20.74%
  • Minimum Income $40,000
  • Purchase Protection
Purchase Interest Rate: 20.74% p.a.
Interest Free Days: 44 days
Annual Fee: $99
Minimum Credit Limit: $2,000
Purchase Protection: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Points Per $1 Spend: 3 Reward points at major supermarkets & petrol stations. 2 Reward points at David Jones. 1 Reward point everywhere else. 1 Reward Point = 0.5 Qantas Points.
Point Earning Limit: Unlimited Points.
Rewards Promo: 15,000 Points or 7,500 Qantas points when you spend $750 outside David Jones within the first three months.
American Express Platinum Edge
American Express Platinum Edge
  • Rewards Promo -
  • Points Per $1 Spend 3
  • Annual Fee $195
  • Purchase Rate 20.74%
  • Minimum Income $50,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $200 travel credit per year
Purchase Interest Rate: 20.74% p.a.
Interest Free Days: 55 days
Annual Fee: $195
Minimum Credit Limit: $3,000
Purchase Protection: Yes
Travel Credit: $200 travel credit per year
Entertainment: Amex Connect
Travel Insurance: Domestic & International Travel Insurance
Points Per $1 Spend: 3 points at major supermarkets & petrol stations. 2 points in a foreign currency transactions overseas and online. 1 point on all other purchases.
Point Earning Limit: Unlimited Points.
American Express Essential
American Express Essential
  • Rewards Promo -
  • Points Per $1 Spend 1.25
  • Annual Fee $0
  • Purchase Rate 14.99%
  • Minimum Income $40,000
  • Purchase Protection
  • Refund Protection
Purchase Interest Rate: 14.99% p.a.
Interest Free Days: 55 days
Annual Fee: $0
Minimum Credit Limit: $2,000
Purchase Protection: Yes
Entertainment: American Express Invites
Smartphone Screen Insurance: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Points Per $1 Spend: 1.25 points on purchases. 1 point on government body transactions in Australia.
Point Earning Limit: Unlimited Points.
American Express Velocity Escape
American Express Velocity Escape
  • Rewards Promo -
  • Points Per $1 Spend 0.75
  • Annual Fee $0
  • Purchase Rate 20.74%
  • Minimum Income $40,000
  • Purchase Protection
  • Refund Protection
Purchase Interest Rate: 20.74% p.a.
Interest Free Days: 55 days
Annual Fee: $0
Minimum Credit Limit: $2,000
Purchase Protection: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Points Per $1 Spend: 0.75 Velocity points. 0.5 Velocity points at government bodies in Australia. 1 extra Velocity point on purchases with Virgin Australia.
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