- Sign in
- Write a review
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.
82 listings
- Award Winner 2020
Qantas American Express Discovery
- Specifications
- Pros & Cons
- Minimum Credit Limit : $2,000
- Minimum Income : $35,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 0.75 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
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)
Qantas American Express Ultimate
- Specifications
- Pros & Cons
- 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 Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
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
- Specifications
- Pros & Cons
- Benefits: No Foreign Transaction Fee and Sign-Up Bonus Points Offer
- Rewards Program: flybuys and Velocity Frequent Flyer
- Points Earn Rates : 2 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
120,000 Bonus Points when you apply by 31 January 2020 and spend $3,000 in the first 90 days from approval
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 14 months
Relatively high $99 Annual Fee
$30 Late Payment Fee
Commonwealth Bank Awards
- Specifications
- Pros & Cons
- Minimum Credit Limit : $500
- Rewards Program: CommBank Awards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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
Coles No Annual Fee MasterCard
- Specifications
- Pros & Cons
- Benefits: Introductory Interest Rate
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $60,000
- Minimum Income : $25,000
- Rewards Program: flybuys
- Points Earn Rates : 0.5 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
No annual fee
0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020
$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
Commonwealth Bank Diamond Awards
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance
- Minimum Credit Limit : $15,000
- Maximum Credit Limit : $50,000
- Rewards Program: CommBank Awards
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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
Westpac Altitude Black · includes 6 listings
- Specifications
- Pros & Cons
- 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
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
ANZ Rewards Travel Adventures
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit : $6,000
- Minimum Income : $35,000
- Rewards Program: ANZ Rewards and Velocity Frequent Flyer
- Points Earn Rates : 1.5 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
75,000 bonus Velocity Points if you spend $2,500 on eligible purchases in the first 3 months of approval
Complimentary return domestic flight and two Virgin Australia lounge passes each year
No Overseas Transaction Fee on purchases
1.5 ANZ Reward Points per $1 on eligible purchases up to $2,000 per statement period
Complimentary Overseas Travel Insurance
Complimentary Extended Warranty Insurance and Purchase Security Insurance
High $225 Annual Fee
Reviewers mention the complimentary flight is difficult to book (must be booked 2 months prior to flying, also hard to find seats during peak times)
Lower earn rate of 0.5 ANZ Reward Points per $1 after the first $2,000 per statement period
Westpac Altitude Platinum · includes 8 listings
- Specifications
- Pros & Cons
- 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
Receive 60,000 Bonus Points if you apply by 15 October 2019 and spend $3,000 on eligible purchases in the first 90 days from card approval
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
American Express Explorer
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Credit Limit : $3,000
- Minimum Income : $65,000
- Rewards Program: American Express Membership Rewards
- Points Earn Rates : 2 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$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
American Express Platinum
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
- Minimum Income : $100,000
- Rewards Program: American Express Membership Rewards
- Points Earn Rates : 2.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
No pre-set spending limit
Card is made of metal
Access to over 1,200 airport lounges worldwide
2.25 Membership Rewards points per $1 spent
$1,450 Annual Fee
Minimum required income of $100,000
Citibank Citi Rewards Platinum
- Specifications
- Pros & Cons
- 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 Rates : 1 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
Multiple Promotional Offers to choose from (see Details) if you apply by 31 January 2020
Points Earn Rate: 1 Citi Point per $1 spent
Linked Diners Club Card has No International Transaction Fees and 2 Citi Points per $1 spent earn rate
0% on Balance Transfers for either 12, 15 or 26 months
Reduced $0 or $49 Annual Fee in your first year
$149 or $199 Annual Fee after your first year
3.4% International Transaction Fee
1% or 1.5% Balance Transfer Fee may apply depending on which sign-up offer you choose
St.George Amplify Signature · includes 2 listings
- Specifications
- Pros & Cons
- Benefits: Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $15,000
- Rewards Program: Amplify Rewards and Qantas Frequent Flyer
- Points Earn Rates : 0.75 to 1.5 points per $1
- Contactless Payments: Google Pay and Samsung Pay
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
$179 Annual Card Fee for the first year ($279 thereafter)
3% Overseas Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate of 19.74% after the first 6 months
Woolworths Everyday Platinum
- Specifications
- Pros & Cons
- Benefits: Reduced First Year Annual Fee
- Minimum Credit Limit : $6,000
- Minimum Income : $30,000
- Points Earn Rates : 3 points per $1
- Contactless Payments: Apple Pay
$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
David Jones American Express
- Specifications
- Pros & Cons
- Benefits: Sign-Up Bonus Points Offer
- Minimum Credit Limit : $2,000
- Minimum Income : $40,000
- Rewards Program: American Express Membership Rewards and Qantas Frequent Flyer
- Points Earn Rates : 3 points per $1
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
40,000 Reward Points or 20,000 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
GO MasterCard
- Specifications
- Pros & Cons
- Minimum Credit Limit : $1,000
- Maximum Credit Limit : $25,000
- Rewards Program: GO Rewards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
0% interest for a set period (min. $300 purchases)
Three repayment options to choose from
$5.95 Monthly Fee
$25 Establishment Fee
High rate once the interest-free period ends (22.74%)
ANZ Rewards
- Specifications
- Pros & Cons
- Minimum Credit Limit : $1,000
- Minimum Income : $15,000
- Rewards Program: ANZ Rewards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Garmin Pay, Google Pay and Samsung Pay
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
Latitude Infinity Rewards Visa
- Specifications
- Pros & Cons
- Rewards Program: Latitude Infinity Rewards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Earn 1 Latitude Infinity Rewards Point per $1 spent, uncapped
3% International Transaction Fees
$0.95 BPAY Fee
Commonwealth Bank Platinum Awards
- Specifications
- Pros & Cons
- 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 Rates : 1 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
100,000 Bonus Awards Points if you apply by 29 Feb 2020 and spend $4,000 within 90 days from activation
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
American Express Essential
- Specifications
- Pros & Cons
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $25,000
- Minimum Income : $40,000
- Rewards Program: American Express Membership Rewards
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$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
- ‹ Prev
- Next ›