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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.

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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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30 listings


Qantas American Express Discovery

Qantas American Express Discovery

48 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

Coles Rewards Mastercard

Coles Rewards Mastercard

89 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

Sign-Up Bonus Points120,000


Commonwealth Bank Awards

Commonwealth Bank Awards

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 31 October and spend $2,000 by 31 January 2020.

Sign-Up Bonus Points30,000


Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

150 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

David Jones American Express

David Jones American Express

62 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.

Sign-Up Bonus Points15,000


Woolworths Everyday Platinum

Woolworths Everyday Platinum

358 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

American Express Essential

American Express Essential

101 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

ANZ Rewards

ANZ Rewards

49 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.

GO MasterCard

GO MasterCard

575 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

American Express Velocity Escape

American Express Velocity Escape

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

Myer Visa Card

Myer Visa Card

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

Qantas Premier Everyday

Qantas Premier Everyday

14 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

Sign-Up Bonus Points42,000


Coles Low Rate MasterCard

Coles Low Rate MasterCard

523 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

Bank of Queensland Blue Visa

Bank of Queensland Blue Visa

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

Heritage Classic Rewards

Heritage Classic Rewards

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

Latitude Infinity Rewards Visa

Latitude Infinity Rewards Visa

8 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

St.George Amplify Rewards

St.George Amplify Rewards

3 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

Citibank Citi Rewards Classic

Citibank Citi Rewards Classic

1 review
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

St.George Amplify Platinum - Amplify Rewards

St.George Amplify Platinum - Amplify Rewards

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)

Sign-Up Bonus Points100,000


Bankwest Qantas Platinum Mastercard

Bankwest Qantas Platinum Mastercard

4 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

Sign-Up Bonus Points50,000


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