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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


BankWest More Classic MasterCard

BankWest More Classic MasterCard

3.0 from 4 reviews
Purchase Rate19.99% p.a.
Annual Fee$100 p.a.
Interest Free Period 44 days
  • Benefits: Cashback Offer
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $19,000
  • Rewards Program: BankWest More Rewards
  • Points Earn Rates : 1.5 points per $1
  • Contactless Payments: Apple Pay
  • Earn 19.5k Annual Bonus Points every year

  • Earn 1.5 Rewards Points per $1 spent on eligible purchases

  • 0% p.a. on Balance Transfers for the first 6 months

  • Accessible Minimim Credit Limit of $1,000

  • $100 Annual Fee

  • 2.95% Foreign Transaction Fee

  • Minimum $24,000 spend required each anniversary year to receive Bonus Points


NAB Qantas Rewards

NAB Qantas Rewards

2.8 from 5 reviews
Purchase Rate19.99% p.a.
Annual Fee$95 p.a.
Interest Free Period 44 days
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : $55,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.5 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 0% on Balance Transfers for 6 months

  • Earn 0.5 Qantas Points per $1 & Free Qantas Frequent Flyer Membership

  • Complimentary Purchase Protection Insurance

  • Accessible Minimum Credit Limit of $500

  • $95 Annual Card Fee

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee


NAB Rewards Classic

NAB Rewards Classic

2.5 from 2 reviews
Purchase Rate19.99% p.a.
Annual Fee$95 p.a.
Interest Free Period 44 days
  • Benefits: Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $500
  • Rewards Program: NAB Rewards
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : 30,000 Bonus Points when you spend $500 within 60 days of account opening.
  • 30,000 NAB Rewards Bonus Points on offer

  • Earn up to 2.25 Points per dollar

  • Complimentary Purchase Protection Insurance

  • $95 Annual Card Fee

  • 2% Balance Transfer Fee

  • Accessible Minimum Credit Limit of $500

Sign-Up Bonus Points30,000


HSBC Platinum Qantas

HSBC Platinum Qantas

2.4 from 7 reviews
Purchase Rate19.99% p.a.
Annual Fee$79 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $60,000
  • Minimum Income : $40,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay
  • Reduced First Year Annual Fee : $0
  • $0 Annual Fee in the first year ($79 in subsequent years)

  • 0% p.a. Balance Transfer for 12 months

  • Earn 1 Qantas point per $1 spent up to $2,500 per statement period on eligible purchases

  • Complimentary Insurance Benefits

  • 3% Overseas Exchange fee

  • Points Earn Rate drops to 0.5 Qantas Points per $1 spent after the first $2,500 per statement period


Kogan Money Black Card

Kogan Money Black Card

1.0 from 2 reviews
Purchase Rate20.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $6,000
  • Minimum Income : $35,000
  • Points Earn Rates : 1 points per $1
  • Sign-Up Bonus : Receive $300 in Kogan.com credit when you apply by 30 November 2019 and spend $3,000 in the first 90 days.

St.George Amplify Qantas

St.George Amplify Qantas

1.0 from 1 review
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: Qantas Frequent Flyer
  • Points Earn Rates : 0.5 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 0.5 points per $1 on eligible purchases, uncapped

  • 3% Overseas Transaction Fee


St.George Amplify Platinum - Qantas Frequent Flyer

St.George Amplify Platinum - Qantas Frequent Flyer

No reviews
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: Qantas Frequent Flyer
  • Points Earn Rates : 0.5 points per $1
  • Contactless Payments: Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 60,000 bonus Qantas Points when you spend at least $2000 within 90 days of card aproval.
  • 60,000 Bonus Qantas Points on offer

  • Earn 0.5 points per $1 on eligible purchases

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

  • 3% Overseas Transaction Fee

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

Sign-Up Bonus Points60,000


HSBC Premier World Mastercard - HSBC Rewards Plus

HSBC Premier World Mastercard - HSBC Rewards Plus

No reviews
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance
  • Minimum Credit Limit : $15,000
  • Rewards Program: HSBC Rewards Plus
  • Contactless Payments: Apple Pay and Google Pay
  • $0 Annual Fee

  • Earn 1 HSBC Rewards Point for every $1 spent on eligible domestic purchases, and 1.5 HSBC Rewards Point for every $1 spent on eligible international purchases

  • Complimentary Insurance Benefits, including Domestic and International Travel Insurance with rental vehicle excess cover

  • 2% Overseas Exchange Fees

  • Points capped at 10,000 per statement period

  • Minimum Credit Limit of $15,000 may be too high for you


Westpac Altitude Platinum - Altitude Rewards American Express Bundle

Westpac Altitude Platinum - Altitude Rewards American Express Bundle

No reviews
Purchase Rate20.24% p.a.
Annual Fee$49 p.a.
Interest Free Period 45 days
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $3,000
  • Rewards Program: Westpac Altitude Rewards
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 30,000 points when you spend $3,000 within 90 days from card approval.
  • 15,000 Bonus Altitude Points when you spend $3,000 within 90 days of card approval

  • Earn up to 3 points per $1 spent

  • No Additional Card Fee

  • 3% Currency Conversion Fee

  • $30 Late Payment Fee

Sign-Up Bonus Points30,000


Westpac Altitude Platinum - Velocity Frequent Flyer American Express Bundle

Westpac Altitude Platinum - Velocity Frequent Flyer American Express Bundle

No reviews
Purchase Rate20.24% p.a.
Annual Fee$49 p.a.
Interest Free Period 45 days
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $3,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 15,000 points when you spend $3,000 within 90 days from card approval.
  • 15,000 Bonus Velocity Points when you spend $3,000 within 90 days of card approval

  • Earn up to 3 points per $1 spent

  • No Additional Card Fee

  • 3% Currency Conversion Fee

  • $30 Late Payment Fee

Sign-Up Bonus Points15,000


Westpac Altitude Platinum - Qantas Frequent Flyer American Express Bundle

Westpac Altitude Platinum - Qantas Frequent Flyer American Express Bundle

No reviews
Purchase Rate20.24% p.a.
Annual Fee$49 p.a.
Interest Free Period 45 days
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $3,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.5 points per $1
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 15,000 points when you spend $3,000 within 90 days from card approval.
  • 15,000 Bonus Qantas Points when you spend $3,000 within 90 days of card approval

  • Earn up to 1.5 points per $1 spent

  • No Additional Card Fee

  • 3% Currency Conversion Fee

  • $30 Late Payment Fee

Sign-Up Bonus Points15,000


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