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Qantas American Express Discovery
  • Award Winner 2020

No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsQantas American Express Discovery

4.3 from 49 reviews
Purchase Rate20.74% p.a.
Annual FeeA$0 p.a.
Interest Free Period 44 days
  • No Annual Fee

  • No Points Earn Cap

  • 0.75 point-per-dollar rate is reasonable for a $0-annual fee card

  • Generally fewer sign-up bonus points compared to other cards

  • Low Interest-Free Period (44 Days)

  • Transparency
    4.5 (35)
  • Rewards
    4.4 (31)
  • Online Experience
    4.5 (32)
  • Customer Service
    4.8 (33)
  • Rates and Fees
    4.4 (34)
  • Application Process
    4.7 (32)
  • BenefitsTravel Credit
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$100,000
  • Minimum Income A$35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
American Express Platinum

Frequent Flyer & Travel Credit Cards and Rewards Credit CardsAmerican Express Platinum

3.1 from 42 reviews
Purchase Rate
Annual FeeA$1,450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points80,000

  • 80,000 bonus Membership Points if you spend $3,000 in the first 3 months

  • No pre-set spending limit

  • Card is made of metal

  • 2.25 Membership Rewards points per $1 spent

  • $1,450 Annual Fee

  • Minimum required income of $100,000

  • Transparency
    3.4 (25)
  • Rewards
    3.5 (22)
  • Online Experience
    3.5 (25)
  • Customer Service
    3.8 (26)
  • Rates and Fees
    2.6 (25)
  • Application Process
    3.9 (22)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Income A$100,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 2.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive a welcome bonus of 80,000 Membership Rewards points when you spend $3,000 in the first 3 months.
American Express Essential

Low Rate Credit Cards, No Annual Fee Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsAmerican Express Essential

2.5 from 108 reviews
Purchase Rate14.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • $0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases

  • Earn up to 1.25 Membership Rewards Points per $1

  • 0% p.a. on Balance Transfers for the first 12 months

  • Smartphone Screen Insurance

  • Add up to 4 Additional Cards at no extra cost

  • 3% Balance Transfer Fee

  • 3% Currency Conversion Fee

  • Transparency
    3.9 (44)
  • Rewards
    3.8 (38)
  • Online Experience
    3.8 (41)
  • Customer Service
    3.9 (44)
  • Rates and Fees
    3.7 (42)
  • Application Process
    4.2 (37)
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$25,000
  • Minimum Income A$40,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Qantas American Express Ultimate

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsQantas American Express Ultimate

4.0 from 65 reviews
Purchase Rate20.74% p.a.
Annual FeeA$450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points55,000

  • Regular Bonus Point Offers

  • High Points Earn Rate

  • Uncapped Annual Points Accrual

  • $450 yearly Qantas Travel Credit

  • Two complimentary Qantas Lounge invitations

  • High Annual Fee ($450)

  • Only 44 days Interest-Free Period

  • 1% Balance Transfer Establishment Fee

  • $65,000 minimum income requirement

  • Reviewers commonly complain that AmEx is not accepted everywhere

  • Transparency
    4.4 (36)
  • Rewards
    4.6 (37)
  • Online Experience
    4.3 (36)
  • Customer Service
    4.6 (38)
  • Rates and Fees
    3.6 (38)
  • Application Process
    4.4 (39)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit A$3,000
  • Minimum Income A$65,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 55,000 bonus Qantas Points when you apply online, are approved and spend $3,000 on your new Card within the first 3 months.
American Express Explorer

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsAmerican Express Explorer

4.2 from 14 reviews
Purchase Rate20.74% p.a.
Annual FeeA$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

  • $400 Travel Credit each year

  • 0% p.a. on Balance Transfers for the first 12 months

  • Two complimentary entries per year to the American Express Lounge at Sydney or Melbourne International Airports

  • Earn up to 2 Membership Rewards points per $1

  • Complimentary Travel Insurance

  • $395 Annual Fee

  • 1% Balance Transfer Fee

  • Transparency
    4.2 (13)
  • Rewards
    4.0 (12)
  • Online Experience
    4.4 (13)
  • Customer Service
    4.6 (12)
  • Rates and Fees
    3.5 (13)
  • Application Process
    4.7 (11)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit A$3,000
  • Minimum Income A$65,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 50,000 Membership Rewards Bonus Points when you spend $3,000 within the first 3 months.
Virgin Money No Annual Fee Visa

No Annual Fee Credit Cards and Balance Transfer Credit CardsVirgin Money No Annual Fee Visa

2.9 from 164 reviews
Purchase Rate18.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 44 days
  • No Annual Fee

  • 6.9% p.a. on balance transfers for up to 36 months if you apply by 02 December 2019

  • 3.3% International Transaction Fee

  • You can't earn Velocity Points even though this card is issued by Virgin

  • Balance Transfer Rate at the end of the offer period reverts to the Cash Advance Rate of 20.99% p.a.

  • Transparency
    2.1 (16)
  • Rewards
    2.1 (11)
  • Online Experience
    2.0 (14)
  • Customer Service
    2.1 (16)
  • Rates and Fees
    2.7 (13)
  • Application Process
    2.4 (14)
  • Minimum Credit Limit A$2,000
  • Minimum Income A$25,000
  • Contactless PaymentsSamsung Pay
American Express Platinum Edge

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsAmerican Express Platinum Edge

2.6 from 63 reviews
Purchase Rate20.74% p.a.
Annual FeeA$195 p.a.
Interest Free Period 55 days
  • $200 Travel Credit each year

  • Earn up to 3 Membership Rewards Points per $1

  • 0% p.a. on Balance Transfers for the first 12 months

  • Complimentary Travel Insurance

  • Add up to 4 Cards at no additional cost

  • $195 Annual Fee

  • 1% Balance Transfer Fee

  • Transparency
    3.5 (10)
  • Rewards
    3.1 (9)
  • Online Experience
    3.7 (11)
  • Customer Service
    3.5 (11)
  • Rates and Fees
    3.0 (11)
  • Application Process
    4.0 (10)
  • BenefitsComplimentary Travel Insurance and Travel Credit
  • Minimum Credit Limit A$3,000
  • Minimum Income A$50,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
American Express Low Rate

Low Rate Credit Cards, No Annual Fee Credit Cards and Balance Transfer Credit CardsAmerican Express Low Rate

5.0 from 1 review
Purchase Rate8.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • $0 Annual Fee

  • Low Interest Rate of 8.99% on purchases

  • 0% p.a. on Balance Transfers for the first 12 months

  • Add up to 4 Additional Cards at no extra cost

  • 1% Balance Transfer Fee

  • 3% Currency Conversion Fee

  • No attached rewards program

  • Rewards
    5.0 (1)
  • Online Experience
    5.0 (1)
  • Application Process
    5.0 (1)
  • Minimum Credit Limit A$1,000
  • Minimum Income A$50,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Virgin Australia Velocity Flyer

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsVirgin Australia Velocity Flyer

1.9 from 72 reviews
Purchase Rate20.74% p.a.
Annual FeeA$129 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points70,000

  • Multiple Promotional Offers to choose from (see Details below)

  • $129 Virgin Australia Gift Voucher each year

  • Earn Velocity Points at a rate of 0.66 points per $1 spent up to $1,500 per statement period

  • 3.3% International Transaction Fee

  • Earn Rate drops to 0.5 points per $1 spent after the first $1,500 per statement period

  • Transparency
    3.0 (20)
  • Rewards
    3.6 (16)
  • Online Experience
    3.0 (20)
  • Customer Service
    3.0 (20)
  • Rates and Fees
    2.9 (19)
  • Application Process
    3.9 (16)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit A$6,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$35,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 0.66 points per $1
  • Contactless PaymentsSamsung Pay
  • Sign-Up Bonus Earn up to 70,000 bonus Velocity Points (20,000 points each month when you spend $1,500 or more in the first 3 months and 10,000 points after your first anniversary)
  • Introductory Rate 0% p.a. for up to 14 months on purchases.
  • Reduced First Year Annual Fee A$65
Virgin Australia Velocity High Flyer

Frequent Flyer & Travel Credit Cards and Balance Transfer Credit CardsVirgin Australia Velocity High Flyer

1.5 from 16 reviews
Purchase Rate20.74% p.a.
Annual FeeA$289 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points100,000

  • 100,000 Bonus Velocity Points on offer (see Details below)

  • Earn 1 Velocity Point per $1 spent up to $8,000 per statement period

  • $129 Virgin Australia Gift Voucher and Two Single Entry Virgin Australia domestic Lounge passes each year

  • Complimentary Travel Insurance

  • $289 Annual Fee

  • Minimum Credit Limit of $15,000

  • Minimimum Income requirement of $75,000

  • 3.3% International Transaction Fee

  • Transparency
    2.1 (7)
  • Rewards
    3.8 (4)
  • Online Experience
    1.7 (7)
  • Customer Service
    1.4 (7)
  • Rates and Fees
    1.9 (7)
  • Application Process
    2.1 (7)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit A$15,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$75,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsSamsung Pay
  • Sign-Up Bonus Earn up to 100,000 bonus Velocity Points (25,000 Points each month when you spend $3,000 or more in the first 3 months and 25,000 Points after your first anniversary).
American Express Velocity Escape

No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsAmerican Express Velocity Escape

3.5 from 10 reviews
Purchase Rate20.74% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • $0 Annual Fee

  • 0% p.a. on Balance Transfers for the 12 months

  • Earn up to 0.75 Velocity Points per $1 spent, uncapped

  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • Transparency
    4.5 (6)
  • Rewards
    4.0 (6)
  • Online Experience
    4.3 (6)
  • Customer Service
    4.2 (6)
  • Rates and Fees
    4.3 (6)
  • Application Process
    4.5 (6)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$25,000
  • Minimum Income A$40,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Qantas American Express Premium

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsQantas American Express Premium

4.0 from 3 reviews
Purchase Rate20.74% p.a.
Annual FeeA$249 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points30,000

  • 30,000 bonus Qantas Points on offer

  • Earn up to 1 Qantas Point for every $1 spent

  • 0% on Balance Transfers for the first 12 months

  • $249 Annual Fee

  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$40,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 30,000 bonus Qantas Points when you spend $3,000 with the first 3 months of card approval.
Virgin Money Low Rate

Low Rate Credit Cards and Balance Transfer Credit CardsVirgin Money Low Rate

1.0 from 5 reviews
Purchase Rate11.99% p.a.
Annual FeeA$49 p.a.
Interest Free Period 44 days
  • Purchase Rate of 11.9% p.a.

  • $49 Annual Fee

  • 0% p.a. for the first 14 months on Balance Transfers

  • 3.3% International Transaction Fee

  • Balance Transfers revert to a high Cash Advance Rate of 21.69% after the offer period ends

  • You can't earn Velocity Points even though this card is issued by Virgin

  • Transparency
    1.0 (2)
  • Rewards
    4.0 (1)
  • Online Experience
    3.5 (2)
  • Customer Service
    1.0 (2)
  • Rates and Fees
    1.0 (2)
  • Application Process
    3.0 (2)
  • BenefitsCashback Offer
  • Minimum Credit Limit A$6,000
  • Minimum Income A$35,000
  • Contactless PaymentsSamsung Pay
American Express Platinum Business

Frequent Flyer & Travel Credit Cards and Rewards Credit CardsAmerican Express Platinum Business

1.0 from 1 review
Purchase Rate
Annual FeeA$1,750 p.a.
Interest Free Period 55 days
  • No pre-set spending limit

  • Earn up to 2.25 points per $1 spent

  • Add up to 99 Employee Cards at no additional cost

  • Complimentary Accor Plus membership (valued at $395 p.a.)

  • Complimentary Travel Insurances including Business Trip Completion Cover

  • $1,750 Annual Fee

  • 3% Foreign Transaction Fee

  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Income A$75,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 2.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay