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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.

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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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31 listings


Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.4 from 50 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • 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)


Coles Rewards Mastercard

Coles Rewards Mastercard

3.6 from 97 reviews
Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • 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
  • Sign-Up Bonus : Receive 120,000 Bonus Points when you spend $3,000 in the first 90 days from approval
  • 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

Sign-Up Bonus Points120,000


Commonwealth Bank Awards

Commonwealth Bank Awards

3.6 from 82 reviews
Purchase Rate20.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • 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
  • Sign-Up Bonus : Receive 30,000 Bonus Awards Points when you apply by 29 February 2020 and spend $2,000 within 90 days.
  • 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

Sign-Up Bonus Points30,000


Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.3 from 155 reviews
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 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
  • Introductory Rate : 0% p.a. for the first 12 months
  • 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


David Jones American Express

David Jones American Express

2.8 from 63 reviews
Purchase Rate20.74% p.a.
Annual Fee$99 p.a.
Interest Free Period 44 days
  • 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
  • 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.
  • 15,000 Reward Points or 7,500 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

Sign-Up Bonus Points15,000


Woolworths Everyday Platinum

Woolworths Everyday Platinum

2.5 from 363 reviews
Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
  • 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
  • Reduced First Year Annual Fee : $0
  • $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


ANZ Rewards

ANZ Rewards

2.8 from 52 reviews
Purchase Rate20.24% p.a.
Annual Fee$80 p.a.
Interest Free Period 44 days
  • 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
  • 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


American Express Essential

American Express Essential

2.5 from 104 reviews
Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 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


Latitude Infinity Rewards Visa

Latitude Infinity Rewards Visa

4.3 from 10 reviews
Purchase Rate20.69% p.a.
Annual Fee$69 p.a.
Interest Free Period 55 days
  • 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


GO MasterCard

GO MasterCard

2.3 from 613 reviews
Purchase Rate22.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 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%)


American Express Velocity Escape

American Express Velocity Escape

3.5 from 10 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $40,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • $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


Qantas Premier Everyday

Qantas Premier Everyday

2.8 from 16 reviews
Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $4,000
  • Maximum Credit Limit : $30,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay and Samsung Pay
  • Sign-Up Bonus : Earn up to 42,000 bonus Qantas points (7,000 points per month when you spend $1000 or more per month for the first 6 months)
  • Reduced First Year Annual Fee : $29
  • Up to 42,000 Bonus Qantas Points on offer

  • $29 Annual Fee for the first year

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

  • Earn up to 1 Qantas Point per $1 spent

  • Complimentary Travel Insurance

  • 3% Foreign Transaction Fee

  • Minimum spend of $1,00 per month is required to receive 7,000 Bonus Qantas Points each month for 6 months

Sign-Up Bonus Points42,000


Myer Visa Card

Myer Visa Card

1.9 from 73 reviews
Purchase Rate20.69% p.a.
Annual Fee$69 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit : $1,000
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Google Pay
  • Introductory Rate : Up to 55 days interest-free on purchases only.
  • Reduced First Year Annual Fee : $0
  • Uncapped Myer One credit earn rate

  • 6 months interest free on purchases of $250 or more at Myer

  • Combine with your existing Myer One membership for maximum rewards

  • Not that useful if you don't regularly shop at Myer

  • Not good for travelling (3% international transaction fee)


Coles Low Rate MasterCard

Coles Low Rate MasterCard

1.6 from 529 reviews
Purchase Rate12.99% p.a.
Annual Fee$58 p.a.
Interest Free Period 55 days
  • 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
  • Introductory Rate : 0% p.a. for the first 12 months
  • 0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020

  • Low $58 Annual Fee

  • Low 12.99% p.a. Interest Rate on purcahes

  • flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1

  • 2.5% International Transaction Fee


Bank of Queensland Blue Visa

Bank of Queensland Blue Visa

5.0 from 5 reviews
Purchase Rate20.74% p.a.
Annual Fee$60 p.a.
Interest Free Period 44 days
  • Benefits: Cashback Offer and Sign-Up Bonus Points Offer
  • Maximum Credit Limit : $10,000
  • Minimum Income : $25,000
  • Rewards Program: Q Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Samsung Pay
  • Sign-Up Bonus : $120 Cashback if you spend $500 per month on retail purchases for the first 3 months
  • $60 Annual Fee

  • $120 cash back if you spend $500 per month on retail purchases for the first 3 months

  • Earn 1 Q Rewards Point for every dollar spent on eligible transactions

  • 0% on Balance Transfers for 6 months

  • Purchase Cover Insurance and Guaranteed Pricing Scheme

  • 3.4% International Transaction Fee

  • Balance Transfer Rate reverts to the high Cash Advance Rate of 21.74% p.a. after the promotional period


Heritage Classic Rewards

Heritage Classic Rewards

5.0 from 2 reviews
Purchase Rate17.74% p.a.
Annual Fee$55 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $1,000
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • $55 Annual Fee (waived when you spend at least $25,000 per annum on Visa Purchases)

  • Accessible Minimum Credit Limit of $1,000

  • Earn 1 Heritage Credit for every $1,300 spend per calendar month


Citibank Citi Rewards Classic

Citibank Citi Rewards Classic

4.5 from 2 reviews
Purchase Rate20.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Benefits: Cashback Offer, Complimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $100,000
  • Rewards Program: Citi Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Reduced First Year Annual Fee : $49
  • Earn Citi Reward Points at a 1 point per dollar earn rate

  • Earn up to $50 cash back on all retail purchases (up to $1,000 spend) in the first 90 days from account approval

  • 0% p.a. on Balance Transfers for 15 months

  • Complimentary Purchase Cover Insurance and Complimentary Guaranteed Pricing Scheme

  • Accessible Minimum Credit Limit of $2,000

  • 1.5% Balance Transfer Fee

  • 3.4% International Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate after 15 months


St.George Amplify Platinum - Amplify Rewards

St.George Amplify Platinum - Amplify Rewards

4.0 from 1 review
Purchase Rate19.74% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Benefits: Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Rewards Program: Amplify Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 100,000 bonus Amplify Points (50,000 points with minimum spend of $6,000 per year for 2 years)
  • 100,000 Bonus Amplify Points on offer

  • Earn 1 Amplify Point per $1 spent, uncapped

  • Complimentary Travel Insurance and Extended Warranty Insurance

  • 0% for 6 months on Balance Transfers & No Balance Transfer Fee

  • $99 Annual Card Fee

  • 3% Overseas Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate after the first 6 months

Sign-Up Bonus Points100,000


Bankwest Qantas Platinum Mastercard

Bankwest Qantas Platinum Mastercard

3.6 from 5 reviews
Purchase Rate20.49% p.a.
Annual Fee$80 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $3,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple Pay and Google Pay
  • Sign-Up Bonus : Receive 50,000 bonus Qantas Points when you spend $3,000 within the first 3 months of card approval.
  • Reduced First Year Annual Fee : $80
  • No Foreign Transaction Fee

  • Earn 0.75 point per $1 spent on eligible purchases for the first $2,500 each month

  • Complimentary Overseas Travel Insurance

  • $160 Annual Fee

Sign-Up Bonus Points50,000


St.George Amplify Rewards

St.George Amplify Rewards

3.5 from 4 reviews
Purchase Rate19.74% p.a.
Annual Fee$79 p.a.
Interest Free Period 55 days
  • Benefits: Introductory Interest Rate
  • Minimum Credit Limit : $500
  • Rewards Program: Amplify Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Google Pay and Samsung Pay
  • Introductory Rate : 0% p.a. for the first 14 months
  • Low $79 Annual Card Fee

  • 0% p.a. on purchases for 14 months

  • Earn 1 Amplify Reward Point for each dollar spent

  • 3% Overseas Transaction Fee


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