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Best 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.
65 listings
- Award Winner 2020
Qantas American Express Discovery
- Pros & Cons
- Review Summary
- Specifications
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 4.4 (37)
- Customer Service4.7 (35)
- Rates and Fees4.3 (36)
- Rewards4.2 (33)
- Online Experience4.4 (34)
- Application Process4.6 (34)
- BenefitsTravel Credit
- Minimum Credit Limit $2,000
- Maximum Credit Limit $100,000
- Minimum Income $35,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 0.75 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Latitude Infinity Rewards Visa
- Pros & Cons
- Review Summary
- Specifications
Earn 1 Latitude Infinity Rewards Point per $1 spent, uncapped
3% International Transaction Fees
$0.95 BPAY Fee
$5,000 spend required to receive $50 gift voucher
- Transparency 4.2 (46)
- Customer Service4.1 (51)
- Rates and Fees4.0 (47)
- Rewards4.3 (39)
- Online Experience3.9 (47)
- Application Process4.3 (34)
- Rewards ProgramLatitude Infinity Rewards
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Qantas American Express Ultimate
Sign-Up Bonus Points55,000
- Pros & Cons
- Review Summary
- Specifications
Regular Bonus Point Offers
High Points Earn Rate
Uncapped Annual Points Accrual
$450 annual Qantas Travel Credit
Two complimentary Qantas Lounge invitations
High Annual Fee ($450)
1% Balance Transfer Establishment Fee
$65,000 minimum income requirement
Reviewers commonly complain that AmEx is not accepted everywhere
- Transparency 4.2 (38)
- Customer Service4.5 (40)
- Rates and Fees3.5 (40)
- Rewards4.5 (39)
- Online Experience4.2 (38)
- Application Process4.4 (41)
- BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit $3,000
- Minimum Income $65,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1.25 points per $1
- Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Commonwealth Bank Awards
- Pros & Cons
- Review Summary
- Specifications
Entry-level credit limit of $500 minimum
Low $59 Annual Fee
High Balance Transfer Rate (5.99%)
Awards points earn rate capped at 50,000 per annum
- Transparency 4.1 (49)
- Customer Service4.3 (49)
- Rates and Fees3.6 (49)
- Rewards4.1 (37)
- Online Experience4.4 (48)
- Application Process4.2 (39)
- Minimum Credit Limit $500
- Rewards ProgramCommBank Awards
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Coles No Annual Fee MasterCard
- Pros & Cons
- Review Summary
- Specifications
No annual fee
0% p.a. balance transfers for 12 months when you apply by 31 March 2021
$10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points
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
- Transparency 3.7 (106)
- Customer Service3.6 (107)
- Rates and Fees4.1 (105)
- Rewards3.8 (90)
- Online Experience3.5 (104)
- Application Process4.1 (91)
- Minimum Credit Limit $2,000
- Maximum Credit Limit $60,000
- Minimum Income $25,000
- Rewards Programflybuys
- Points Earn Rate 0.5 points per $1
- Contactless PaymentsApple Pay and Samsung Pay
Coles Rewards Mastercard
- Pros & Cons
- Review Summary
- Specifications
Earn 2 flybuys Points per $1 on eligible spend
$0 Annual Fee
$10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points
0% p.a. on balance transfers for 18 months
Relatively high $99 Annual Fee
$30 Late Payment Fee
1.5% Balance Transfer Fee
- Transparency 3.4 (100)
- Customer Service3.2 (104)
- Rates and Fees3.5 (97)
- Rewards4.0 (84)
- Online Experience3.4 (96)
- Application Process3.6 (88)
- Minimum Credit Limit $2,000
- Rewards Programflybuys
- Points Earn Rate 2 points per $1
- Contactless PaymentsApple Pay and Samsung Pay
GO MasterCard
- Pros & Cons
- Review Summary
- Specifications
0% interest for a set period with eligible partners
Three repayment options to choose from
$5.95 Monthly Fee when outstanding balance is greater than $10
$25 Establishment Fee
High rate once the interest-free period ends (22.74%)
3% International Transaction Fee
- Transparency 3.6 (602)
- Customer Service3.6 (622)
- Rates and Fees3.3 (612)
- Rewards2.8 (229)
- Online Experience3.6 (557)
- Application Process4.0 (531)
- Minimum Credit Limit $1,000
- Maximum Credit Limit $25,000
- Rewards ProgramGO Rewards
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Commonwealth Bank Diamond Awards
Sign-Up Bonus Points100,000
- Pros & Cons
- Review Summary
- Specifications
100,000 Bonus Points on offer
Earn 1.25 Awards Points per $1
International Travel Insurance included
Cashback offers with Mastercard Travelers Rewards
$349 Annual Fee
3% International Transaction Fee
Minimum Credit Limit of $15,000
- Transparency 4.0 (28)
- Customer Service4.3 (30)
- Rates and Fees3.3 (31)
- Rewards3.4 (28)
- Online Experience4.3 (29)
- Application Process4.1 (24)
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $15,000
- Maximum Credit Limit $50,000
- Rewards ProgramCommBank Awards
- Points Earn Rate 1.25 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Westpac Altitude Platinum · includes 8 listings
Sign-Up Bonus Points15,000 to 80,000
- Pros & Cons
- Review Summary
- Specifications
Uncapped points earn rate
Complimentary Insurance covers, including Overseas Travel, Purchase Security and Transit Accident Insurance
$150 Annual Fee (additional $50 if you choose Velocity or Qantas)
3% Foreign Transaction Fee
- Transparency 3.9 (19)
- Customer Service3.9 (18)
- Rates and Fees3.2 (20)
- Rewards3.8 (16)
- Online Experience3.6 (19)
- Application Process4.1 (18)
- BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Reduced First Year Annual Fee
- Minimum Credit Limit $3,000 to $6,000
- Minimum Income $30,000
- Rewards ProgramQantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
- Points Earn Rate 0.5 to 2 points per $1
- Reduced First Year Annual Fee $99
- Contactless PaymentsSamsung Pay, Google Pay, Fitbit Pay and Garmin Pay
Westpac Altitude Black · includes 6 listings
Sign-Up Bonus Points120,000 to 150,000
- Pros & Cons
- Review Summary
- Specifications
Uncapped points earning
Lounge passes and travel insurance included
Annual fee is not inclusive of Velocity or QFF membership fee
$75,000 minimum income required
- Transparency 3.7 (43)
- Customer Service3.6 (46)
- Rates and Fees3.0 (45)
- Rewards3.9 (43)
- Online Experience3.6 (45)
- Application Process3.6 (41)
- BenefitsComplimentary 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 ProgramQantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
- Points Earn Rate 0.75 to 3 points per $1
- Contactless PaymentsApple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay
American Express Explorer
Sign-Up Bonus Points150,000
- Pros & Cons
- Review Summary
- Specifications
Up to 150,000 bonus Membership Rewards points on offer
$400 Travel Credit each year
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)
- Customer Service4.6 (12)
- Rates and Fees3.5 (13)
- Rewards4.0 (12)
- Online Experience4.4 (13)
- Application Process4.7 (11)
- BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit $3,000
- Minimum Income $65,000
- Rewards ProgramAmerican Express Membership Rewards
- Points Earn Rate 2 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Woolworths Everyday Platinum
- Pros & Cons
- Review Summary
- Specifications
$10 off at Woolworths for 2,000 points (min. $667 spend)
10% off one shop at Woolworths each month
Regular promotions to waive the annual fee for the first year
Points earned are not the same as regular Woolworths Rewards points
Points cannot be converted to Qantas Frequent Flyer points
- Transparency 3.8 (63)
- Customer Service3.6 (66)
- Rates and Fees3.6 (66)
- Rewards3.9 (53)
- Online Experience3.8 (60)
- Application Process3.8 (60)
- BenefitsReduced First Year Annual Fee
- Minimum Credit Limit $6,000
- Minimum Income $30,000
- Points Earn Rate 3 points per $1
- Reduced First Year Annual Fee $0
- Contactless PaymentsApple Pay
St. George Amplify Signature · includes 2 listings
Sign-Up Bonus Points80,000 to 200,000
- Pros & Cons
- Review Summary
- Specifications
200,000 Bonus Amplify Points or 90,000 Bonus Qantas Points on offer
Earn 1.5 Amplify Points or 0.75 Qantas Points for each dollar spent on eligible purchases, uncapped. Plus, receive Birthday Bonus Points
0% pa. on Balance Transfers for 6 months
Complimentary Insurance Covers and 2 Lounge Passes each year
$379 Annual Fee
3% Overseas Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate of 19.74% after the first 6 months
- Transparency 4.4 (14)
- Customer Service4.5 (14)
- Rates and Fees3.9 (14)
- Rewards4.7 (11)
- Online Experience4.3 (14)
- Application Process4.4 (15)
- BenefitsSign-Up Bonus Points Offer and Reduced First Year Annual Fee
- Minimum Credit Limit $15,000
- Rewards ProgramQantas Frequent Flyer and Amplify Rewards
- Points Earn Rate 0.75 to 1.5 points per $1
- Reduced First Year Annual Fee $139 and $179
- Contactless PaymentsApple Pay, Samsung Pay and Google Pay
- Pros & Cons
- Review Summary
- Specifications
Up to 200,000 bonus Membership Points on offer (see Details)
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 3.2 (30)
- Customer Service3.6 (31)
- Rates and Fees2.4 (30)
- Rewards3.0 (27)
- Online Experience3.4 (29)
- Application Process3.7 (25)
- BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Income $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
ANZ Rewards
Sign-Up Bonus Points50,000
- Pros & Cons
- Review Summary
- Specifications
50,000 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
- Transparency 3.9 (21)
- Customer Service3.9 (20)
- Rates and Fees3.1 (21)
- Rewards4.2 (18)
- Online Experience3.9 (20)
- Application Process4.0 (16)
- BenefitsSign-Up Bonus Points Offer
- Minimum Credit Limit $1,000
- Minimum Income $15,000
- Rewards ProgramANZ Rewards
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay, Garmin Pay, Google Pay and Samsung Pay
David Jones American Express
Sign-Up Bonus Points30,000
- Pros & Cons
- Review Summary
- Specifications
30,000 Reward Points or 15,000 Qantas Points on offer
Earn up to 3 Reward Points or 1.5 Qantas Points per dollar (1 Reward Point = 0.5 Qantas Points)
3% Currency Conversion Fee
$99 Annual Fee
- Transparency 3.1 (22)
- Customer Service3.3 (23)
- Rates and Fees2.8 (23)
- Rewards3.2 (23)
- Online Experience3.3 (22)
- Application Process3.6 (23)
- BenefitsSign-Up Bonus Points Offer
- Minimum Credit Limit $2,000
- Minimum Income $40,000
- Rewards ProgramAmerican Express Membership Rewards and Qantas Frequent Flyer
- Points Earn Rate 3 points per $1
- Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Commonwealth Bank Platinum Awards
Sign-Up Bonus Points80,000
- Pros & Cons
- Review Summary
- Specifications
80,000 Bonus Awards Points on offer
Earn 1 Awards point for every $1 spent
International Travel Insurance included
$249 Annual Fee
3% International Transaction Fee
Points are capped at 150,000 points per year
- Transparency 3.5 (22)
- Customer Service3.9 (22)
- Rates and Fees2.7 (22)
- Rewards2.9 (18)
- Online Experience4.0 (22)
- Application Process4.0 (16)
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $6,000
- Maximum Credit Limit $50,000
- Minimum Income $50,000
- Rewards ProgramCommBank Awards
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
American Express Platinum Edge
Sign-Up Bonus Points50,000
- Pros & Cons
- Review Summary
- Specifications
50,000 Bonus Membership Rewards points on offer
$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
$195 Annual Fee
1% Balance Transfer Fee
- Transparency 3.5 (10)
- Customer Service3.5 (11)
- Rates and Fees3.0 (11)
- Rewards3.1 (9)
- Online Experience3.7 (11)
- Application Process4.0 (10)
- BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit $3,000
- Minimum Income $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 Essential
- Pros & Cons
- Review Summary
- Specifications
$0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases
Earn up to 1.25 Membership Rewards Points per $1
Smartphone Screen Insurance of up to $500 each year
Add up to 4 Additional Cards at no extra cost
3% Balance Transfer Fee
3% Currency Conversion Fee
- Transparency 3.5 (53)
- Customer Service3.5 (53)
- Rates and Fees3.4 (50)
- Rewards3.4 (45)
- Online Experience3.5 (48)
- Application Process4.0 (41)
- Minimum Credit Limit $2,000
- Maximum Credit Limit $25,000
- Minimum Income $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
HSBC Platinum
- Pros & Cons
- Review Summary
- Specifications
0% p.a. on Balance Transfers for 26 months and no annual fee in first year or 84,000 bonus Reward points on offer
Refunded $129 Annual Fee if you spend $6,000 or more on purchases each year
Earn up to 2 Rewards Plus Points per dollar
Complimentary Insurances, including Domestic and International Travel Insurance
3% Overseas Exchange Fees
Earning Points capped at 10,000 per statement period
Balance Transfers revert to the high Cash Advance Rate of 21.99% p.a.
- Transparency 3.7 (20)
- Customer Service3.6 (20)
- Rates and Fees4.1 (19)
- Rewards3.7 (14)
- Online Experience3.3 (20)
- Application Process3.5 (19)
- BenefitsComplimentary Travel Insurance
- Minimum Credit Limit $6,000
- Minimum Income $40,000
- Rewards ProgramHSBC Rewards Plus
- Points Earn Rate 2 points per $1
- Contactless PaymentsApple Pay and Google Pay