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Rewards Credit Cards
Earn points as you spend with a credit card linked to a loyalty program. Redeem your points for flights, accommodation, gift cards, and various other benefits. Different rewards programs and credit cards offer different perks, so whether you fly frequently or shop often at major supermarkets, you'll be able to find a credit card that suits your preferences.
Read More...If you travel often, being a member of Qantas Frequent Flyer or Velocity Frequent Flyer could help you save by earning and redeeming points for travel related expenses. Getting a Qantas credit card or Virgin credit card is an easy way to earn points simply through your everyday spending.
If you're a member of Woolworths Rewards or Coles flybuys as you do your weekly grocery shop at one of the nation's main supermarkets, a Woolworths credit card or Coles credit card may be handy and help reduce the cost of your grocery bill.
Australia's major banks also have their own rewards programs, so if you have a preferred bank that you trust and already have an account with, you may want to consider a credit card with them as well. For example, get a ANZ credit card and earn points through ANZ Rewards.
Besides the linked rewards program, other aspects to consider include the annual fee and purchase rate. A reward program and its accompanying benefits is considered an added feature which can sometimes mean a more expensive annual fee. Be sure to use our group of Rates & Fees filters to narrow down options. For even more payment flexibility, filter for cards with a contactless payment feature such as Apple Pay or Samsung Pay.
If you aren't a member of any rewards or loyalty program yet, take a look at our Rewards & Loyalty Programs category to help you choose which ones you'd like to join.
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Qantas American Express Discovery
- Card Type: American Express
- Minimum Credit Limit: $2,000
- Minimum Income: $35,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rate: 0.75 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
- Annual Fee: $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)
Commonwealth Bank Awards
- Card Type: Mastercard
- Minimum Credit Limit: $500
- Rewards Program: CommBank Awards
- Points Earn Rate: 1 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Annual Fee: $59 p.a.
- Interest Free Period: 55 days
- Sign-Up Bonus: Receive 30,000 Bonus Awards Points when you apply by 31 October and spend $2,000 by 31 January 2020.
Entry-level credit limit of $500 minimum
Can earn either Commbank Awards points or Qantas Frequent Flyer points
High Balance Transfer Rate (5.99%)
Awards points earn rate capped at 50,000 per annum
Qantas points earn rate capped at 12,000 per annum
Switching to Qantas points program incurs an additional $30 annual fee
Qantas American Express Ultimate
- Card Type: American Express
- Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit: $3,000
- Minimum Income: $65,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rate: 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
- Annual Fee: $450 p.a.
- Interest Free Period: 44 days
- Sign-Up Bonus: Receive 55,000 bonus Qantas Points when you spend $3,000 within the first 3 months.
Regular Bonus Point Offers (currently 55,000)
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
Coles Rewards Mastercard
- Card Type: Mastercard
- Benefits: No Foreign Transaction Fee
- Rewards Program: flybuys and Velocity Frequent Flyer
- Points Earn Rate: 2 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
- Annual Fee: $99 p.a.
- Interest Free Period: 55 days
50,000 Bonus Points when you apply by 30 September 2019 and spend $1,500 in the first 3 months
No International Transaction Fee
Earn 2 flybuys Points per $1 on eligible spend
$10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points
0% p.a. on balance transfers for 6 months
Relatively high $99 Annual Fee
$30 Late Payment Fee
Commonwealth Bank Diamond Awards
- Card Type: Mastercard
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit: $15,000
- Maximum Credit Limit: $50,000
- Rewards Program: CommBank Awards
- Points Earn Rate: 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Annual Fee: $349 p.a.
- Interest Free Period: 55 days
- Sign-Up Bonus: 120,000 Bonus Awards Points when you apply by 31 October and spend $6,000 by 31 January 2020.
Coles No Annual Fee MasterCard
- Card Type: Mastercard
- Benefits: Cashback Offer
- Minimum Credit Limit: $2,000
- Maximum Credit Limit: $60,000
- Minimum Income: $25,000
- Rewards Program: flybuys
- Points Earn Rate: 0.5 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
- Annual Fee: $0 p.a.
- Interest Free Period: 55 days
- Sign-Up Bonus: Receive 20,000 bonus points when you apply by 30 September and spend $500 in the first 60 days from approval.
No annual fee
20,000 Bonus Flybuys Points when you apply by 30 September 2019 and spend $500 in the first 60 days from card approval
$10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points
0% p.a. on balance transfers for 6 months
Apple Pay, Samsung Pay
Low flybuys points earn rate of 1 Flybuy Point per $2
2.5% International Transaction Fee
Relatively high 19.99% interest rate
Reviewers mention poor customer service should an issue arise
Westpac Altitude Platinum
- Card Type: American Express or Mastercard
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit: $3,000 to $6,000
- Rewards Program: Qantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
- Points Earn Rates: 0.5 to 2 points per $1
- Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Annual Fee: $49 p.a., $150 p.a. or $200 p.a.
- Interest Free Period: At least 44 days
Woolworths Everyday Platinum
- Card Type: Visa
- Benefits: Reduced First Year Annual Fee
- Minimum Credit Limit: $6,000
- Minimum Income: $30,000
- Points Earn Rate: 3 points per $1
- Contactless Payments: Apple Pay
- Annual Fee: $0 p.a.
- Interest Free Period: 55 days
- Reduced First Year Annual Fee: $0.00
American Express Platinum Edge
- Card Type: American Express
- Benefits: Complimentary Travel Insurance and Travel Credit
- Minimum Credit Limit: $3,000
- Minimum Income: $50,000
- Rewards Program: American Express Membership Rewards
- Points Earn Rate: 3 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
- Annual Fee: $195 p.a.
- Interest Free Period: 55 days
Commonwealth Bank Platinum Awards
- Card Type: Mastercard
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit: $6,000
- Maximum Credit Limit: $50,000
- Minimum Income: $50,000
- Rewards Program: CommBank Awards
- Points Earn Rate: 1 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Annual Fee: $249 p.a.
- Interest Free Period: 55 days
- Sign-Up Bonus: Receive 100,000 Bonus Awards Points when you apply by 31 October and spend $4,000 by 31 January 2020.
David Jones American Express
- Card Type: American Express
- Minimum Credit Limit: $2,000
- Minimum Income: $40,000
- Rewards Program: American Express Membership Rewards and Qantas Frequent Flyer
- Points Earn Rate: 3 points per $1
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
- Annual Fee: $99 p.a.
- Interest Free Period: 44 days
- Sign-Up Bonus: 15,000 Membership Rewards Points or 7,500 Qantas Points when you spend $750 outside David Jones within the first 3 months.
- Introductory Rate: 44 days Interest-free.
ANZ Rewards
- Card Type: Visa
- Minimum Credit Limit: $1,000
- Minimum Income: $15,000
- Rewards Program: ANZ Rewards
- Points Earn Rate: 1 points per $1
- Contactless Payments: Apple Pay, Garmin Pay, Google Pay and Samsung Pay
- Annual Fee: $80 p.a.
- Interest Free Period: 44 days
- Sign-Up Bonus: 25,000 bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval.
25,000 Bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval
1 Reward Point per $1 spent on eligible purchases up to $1,000 per statement period
Up to 55 interest free days on purchases
3% Overseas Transaction Fee
Lower earn rate of 0.5 Reward Points per $1 after the first $1,000 per statement period
Westpac Altitude Black
- Card Type: American Express or Mastercard
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit: $3,000 to $15,000
- Maximum Credit Limit: $75,000
- Minimum Income: $75,000
- Rewards Program: Qantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
- Points Earn Rates: 0.75 to 3 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Annual Fee: $199 p.a., $250 p.a. or $300 p.a.
- Interest Free Period: At least 44 days
Citibank Citi Rewards Platinum
- Card Type: Visa
- Benefits: Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit: $6,000
- Maximum Credit Limit: $100,000
- Minimum Income: $35,000
- Rewards Program: Citi Rewards
- Points Earn Rate: 1 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
- Annual Fee: $149 p.a.
- Interest Free Period: 55 days
- Sign-Up Bonus: Receive up to 120,000 bonus points (80,000 points when you spend $3,000 in the first 90 days from approval and an additional 40,000 points on your first anniversary)
- Reduced First Year Annual Fee: $49.00
American Express Platinum
- Card Type: American Express
- Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Maximum Credit Limit: $100,000
- Minimum Income: $100,000
- Rewards Program: American Express Membership Rewards
- Points Earn Rate: 2.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
- Annual Fee: $1,450 p.a.
- Interest Free Period: 44 days
- Sign-Up Bonus: Receive up to 150,000 Membership Rewards Points (50,000 points for each month you spend $1,500 in the first 3 months)
HSBC Platinum
- Card Type: Visa
- Benefits: Complimentary Travel Insurance and Introductory Interest Rate
- Minimum Credit Limit: $6,000
- Minimum Income: $40,000
- Rewards Program: HSBC Rewards Plus
- Points Earn Rate: 2 points per $1
- Contactless Payments: Apple Pay and Google Pay
- Annual Fee: $129 p.a.
- Interest Free Period: 55 days
- Introductory Rate: 0% p.a. on interest on purchases for 12 months
American Express Essential
- Card Type: American Express
- Minimum Credit Limit: $2,000
- Maximum Credit Limit: $25,000
- Minimum Income: $40,000
- Rewards Program: American Express Membership Rewards
- Points Earn Rate: 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
- Annual Fee: $0 p.a.
- Interest Free Period: 55 days
GO MasterCard
- Card Type: Mastercard
- Minimum Credit Limit: $1,000
- Maximum Credit Limit: $25,000
- Rewards Program: GO Rewards
- Points Earn Rate: 1 points per $1
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
- Annual Fee: $0 p.a.
- Interest Free Period: 55 days
Citibank Rewards Signature
- Card Type: Visa
- Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit: $15,000
- Maximum Credit Limit: $100,000
- Minimum Income: $75,000
- Rewards Program: Citi Rewards and Qantas Frequent Flyer
- Points Earn Rates: 1 to 2 points per $1
- Contactless Payments: Samsung Pay
- Annual Fee: $395 p.a. or $444 p.a.
- Interest Free Period: At least 55 days
- Reduced First Year Annual Fee: $199.00 or $248.00
Qantas Premier Platinum
- Card Type: Mastercard
- Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit: $6,000
- Minimum Income: $35,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rate: 1 points per $1
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
- Annual Fee: $149 p.a.
- Interest Free Period: 55 days
- Sign-Up Bonus: Receive up to 120,000 Qantas Points (20,000 points each month when you spend $1,500 each month for the first 6 months)
- Reduced First Year Annual Fee: $199.00
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