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Best Rewards Credit Cards

Are rewards credit cards worth it?

Getting rewarded for spending money sounds like an ideal scenario. But will a rewards card really give you bang for your buck? This short guide will take you through the things to think about before signing up for a new rewards credit card.

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14 listings

Woolworths Everyday Platinum

Woolworths Everyday Platinum

2.6 from 371 reviews
Purchase Rate19.99% p.a.
Annual FeeA$49 p.a.
Interest Free Period 55 days
  • $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 (62)
  • Customer Service
    3.6 (65)
  • Rates and Fees
    3.6 (65)
  • Rewards
    3.9 (52)
  • Online Experience
    3.8 (60)
  • Application Process
    3.8 (59)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$6,000
  • Minimum Income A$30,000
  • Points Earn Rate 3 points per $1
  • Reduced First Year Annual Fee A$0
  • Contactless PaymentsApple Pay
Myer Visa Card

Myer Visa Card

2.0 from 76 reviews
Purchase Rate20.69% p.a.
Annual FeeA$69 p.a.
Interest Free Period 55 days
  • 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)

  • Transparency
    2.5 (8)
  • Customer Service
    2.3 (8)
  • Rates and Fees
    2.6 (7)
  • Rewards
    3.2 (5)
  • Online Experience
    2.4 (7)
  • Application Process
    3.4 (5)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$1,000
  • Points Earn Rate 3 points per $1
  • Reduced First Year Annual Fee A$0
  • Contactless PaymentsApple Pay and Google Pay
Qantas Premier Platinum

Qantas Premier Platinum

1.9 from 57 reviews
Purchase Rate19.99% p.a.
Annual FeeA$299 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points100,000

  • Up to 100,000 Bonus Qantas Points & 75 Bonus Status Credits on offer if you apply by 24 February 2021

  • Earn up to 1.5 Qantas Points per $1 spent

  • 0% p.a. on Balance Transfers for 18 months

  • Complimentary Travel Insurance & Complimentary Lounge Invitations each year

  • $299 Annual Fee (reduced to $199 in your first year)

  • 3% International Transaction Fee

  • Transparency
    2.3 (51)
  • Customer Service
    2.2 (49)
  • Rates and Fees
    2.3 (44)
  • Rewards
    3.2 (37)
  • Online Experience
    2.1 (49)
  • Application Process
    2.8 (47)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Minimum Income A$35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.5 points per $1
  • Reduced First Year Annual Fee A$199
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Virgin Australia Velocity Flyer

Virgin Australia Velocity Flyer

1.9 from 75 reviews
Purchase Rate20.74% p.a.
Annual FeeA$129 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points40,000

  • Multiple Promotional Offers to choose from (see Details below)

  • $129 Virgin Australia Gift Voucher each year

  • Earn Velocity Points at a rate of 0.66 points per $1 spent up to $1,500 per statement period

  • 3.3% International Transaction Fee

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

  • Transparency
    2.9 (22)
  • Customer Service
    2.8 (22)
  • Rates and Fees
    2.8 (21)
  • Rewards
    3.4 (18)
  • Online Experience
    2.8 (22)
  • Application Process
    3.8 (17)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit A$6,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$35,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 0.66 points per $1
  • Introductory Rate 0% p.a. for up to 14 months on purchases.
  • Reduced First Year Annual Fee A$65
  • Contactless PaymentsSamsung Pay
Woolworths Qantas Platinum

Woolworths Qantas Platinum

1.7 from 53 reviews
Purchase Rate20.49% p.a.
Annual FeeA$169 p.a.
Interest Free Period 55 days
  • Stack the QFF points earned with this card with normal Woolworths Rewards points

  • 0% balance transfer rate for 14 months

  • 10% off one shop at Woolworths each month

  • Relatively high ongoing annual fee ($169)

  • Transparency
    5.0 (1)
  • Customer Service
    5.0 (1)
  • Rates and Fees
    5.0 (1)
  • Rewards
    5.0 (1)
  • Online Experience
    5.0 (1)
  • Application Process
    5.0 (1)
  • BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit A$6,000
  • Minimum Income A$30,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Reduced First Year Annual Fee A$99
  • Contactless PaymentsApple Pay and Google Pay
Suncorp Clear Options Platinum

Suncorp Clear Options Platinum

2.4 from 11 reviews
Purchase Rate20.74% p.a.
Annual FeeA$129 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points100,000

  • 100,000 Bonus Points on offer

  • Earn 1.25 Rewards points per dollar spent

  • Complimentary International Travel Insurance and Extended Warranty Insurance

  • $129 Annual Fee

  • 3.4% International Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate of 21.99% after 14 months

  • Transparency
    3.0 (9)
  • Customer Service
    2.7 (9)
  • Rates and Fees
    2.9 (10)
  • Rewards
    2.9 (9)
  • Online Experience
    2.6 (10)
  • Application Process
    2.9 (9)
  • BenefitsComplimentary Travel Insurance, Introductory Interest Rate, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Maximum Credit Limit A$30,000
  • Rewards ProgramSuncorp Rewards
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Bank of Queensland Platinum Visa

Bank of Queensland Platinum Visa

4.0 from 3 reviews
Purchase Rate20.74% p.a.
Annual FeeA$129 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points80,000

  • Half Annual Fee in your first year ($64.50)

  • 80,000 Bonus Q Rewards points every month when you spend $3,000 in the first 2 months

  • Earn 2 Q Rewards credit card points for every $1 spent

  • 0% p.a. on Balance Transfers for 14 months

  • Complimentary Travel Insurance

  • $129 Annual Fee after your first year

  • 3.4% International Transaction Fee

  • Transparency
    4.7 (3)
  • Customer Service
    4.3 (3)
  • Rates and Fees
    4.0 (3)
  • Rewards
    3.0 (3)
  • Online Experience
    4.7 (3)
  • Application Process
    5.0 (2)
  • BenefitsReduced First Year Annual Fee
  • Rewards ProgramQ Rewards
  • Points Earn Rate 2 points per $1
  • Reduced First Year Annual Fee A$65
  • Contactless PaymentsGoogle Pay and Samsung Pay
St. George Amplify Signature - Amplify Rewards

St. George Amplify Signature - Amplify Rewards

4.0 from 3 reviews
Purchase Rate19.74% p.a.
Annual FeeA$279 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points200,000

  • 200,000 Bonus Amplify Points on offer

  • Earn 1.5 Amplify 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 for Overseas Travel, Extended Warranty, Purchase Protection and Price Guarantee

  • 2 Complimentary Priority Pass Lounge Visits each year

  • $139 Annual Card Fee for the first year ($279 thereafter)

  • 3% Overseas Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate of 21.49% after the first 6 months

  • Transparency
    4.0 (3)
  • Customer Service
    4.0 (3)
  • Rates and Fees
    3.7 (3)
  • Rewards
    5.0 (2)
  • Online Experience
    3.3 (3)
  • Application Process
    3.7 (3)
  • BenefitsReduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$15,000
  • Rewards ProgramAmplify Rewards
  • Points Earn Rate 1.5 points per $1
  • Reduced First Year Annual Fee A$139
  • Contactless PaymentsGoogle Pay and Samsung Pay

Is part of...
St. George Amplify Signature · includes 2 listings
17 reviews
NAB Qantas Rewards Signature

NAB Qantas Rewards Signature

4.0 from 2 reviews
Purchase Rate19.99% p.a.
Annual FeeA$395 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points130,000

  • Sign up and receive up to 130,000 Qantas Points and 75 Bonus Status Credits (see Details)

  • Points Earn Rate: 1 Qantas Point per $1 up to $5,000 per statement period

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

  • Seven Complimentary Insurances, including Overseas Travel Insurance

  • $395 Annual Fee

  • 2% Balance Transfer Fee

  • 3% International Transaction Fee

  • Minimum Credit Limit of $15,000

  • Transparency
    4.0 (2)
  • Customer Service
    3.5 (2)
  • Rates and Fees
    3.0 (1)
  • Rewards
    4.5 (2)
  • Online Experience
    4.0 (2)
  • Application Process
    4.0 (2)
  • BenefitsReduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$15,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Reduced First Year Annual Fee A$295
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Macquarie Bank Platinum - Qantas Rewards

Macquarie Bank Platinum - Qantas Rewards

4.0 from 1 review
Purchase Rate20.70% p.a.
Annual FeeA$249 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points20,000

  • Receive 20,000 bonus Qantas Points when you spend $2,000 on eligible purchases within 60 days of approval

  • 0% p.a. balance transfer for 14 months

  • No international transaction fees

  • Need to spend ~$3,200 to receive a $20 gift card

  • BenefitsComplimentary Travel Insurance, No Foreign Transaction Fee, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Minimum Income A$50,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Reduced First Year Annual Fee A$99
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay and Google Pay

Is part of...
Macquarie Bank Platinum · includes 2 listings
13 reviews
St.George Amplify Platinum - Amplify Rewards

St.George Amplify Platinum - Amplify Rewards

4.0 from 1 review
Purchase Rate19.74% p.a.
Annual FeeA$99 p.a.
Interest Free Period 55 days
  • 0% on Purchases for 7 months

  • Earn 1 Amplify Point per $1 spent, uncapped

  • 0% on Balance Transfers for 22 months

  • $0 Annual Card Fee for the first year

  • Complimentary Travel Insurance and Extended Warranty Insurance

  • $99 Annual Card Fee

  • 3% Overseas Transaction Fee

  • 1.5% Balance Transfer Fee & Rate reverts to high Cash Advance Rate after the first 6 months

  • Transparency
    4.0 (1)
  • Customer Service
    4.0 (1)
  • Rates and Fees
    4.0 (1)
  • Rewards
    5.0 (1)
  • Online Experience
    5.0 (1)
  • Application Process
    3.0 (1)
  • BenefitsIntroductory Interest Rate and Reduced First Year Annual Fee
  • Minimum Credit Limit A$6,000
  • Rewards ProgramAmplify Rewards
  • Points Earn Rate 1 points per $1
  • Introductory Rate 0% p.a. for the first 7 months
  • Reduced First Year Annual Fee A$0
  • Contactless PaymentsGoogle Pay and Samsung Pay

Is part of...
St.George Amplify Platinum · includes 2 listings
2 reviews
Westpac Altitude Platinum - Qantas Frequent Flyer Mastercard

Westpac Altitude Platinum - Qantas Frequent Flyer Mastercard

3.7 from 3 reviews
Purchase Rate20.49% p.a.
Annual FeeA$150 p.a.
Interest Free Period 45 days

Sign-Up Bonus Points60,000

  • Receive 60,000 Bonus Qantas Points if you spend $3,000 on eligible purchases in the first 90 days from card approval

  • 0% p.a. on Balance Transfers for 18 months

  • Earn 0.5 Qantas Points per $1, uncapped

  • Complimentary Insurance covers, including Overseas Travel, Purchase Security and Transit Accident Insurance

  • $200 Annual Fee

  • 3% Foreign Transaction Fee

  • Transparency
    4.0 (2)
  • Customer Service
    4.5 (2)
  • Rates and Fees
    2.5 (2)
  • Rewards
    3.0 (1)
  • Online Experience
    3.5 (2)
  • Application Process
    4.5 (2)
  • BenefitsReduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Minimum Income A$30,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.5 points per $1
  • Reduced First Year Annual Fee A$99
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay

Is part of...
Westpac Altitude Platinum · includes 8 listings
41 reviews
Westpac Altitude Platinum - Altitude Rewards Mastercard

Westpac Altitude Platinum - Altitude Rewards Mastercard

3.2 from 5 reviews
Purchase Rate20.49% p.a.
Annual FeeA$150 p.a.
Interest Free Period 45 days

Sign-Up Bonus Points80,000

  • Receive 80,000 Bonus Altitude Points if you spend $3,000 on eligible purchases in the first 90 days from card approval

  • Earn 1 Altitude Point per $1, uncapped

  • 0% p.a. for 18 months on balance transfers

  • Complimentary Insurance covers, including Overseas Travel, Purchase Security and Transit Accident Insurance

  • $150 Annual Fee

  • 3% Foreign Transaction Fee

  • Transparency
    4.0 (5)
  • Customer Service
    3.3 (4)
  • Rates and Fees
    3.2 (5)
  • Rewards
    3.8 (4)
  • Online Experience
    3.4 (5)
  • Application Process
    4.3 (4)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Rewards ProgramWestpac Altitude Rewards
  • Points Earn Rate 1 points per $1
  • Reduced First Year Annual Fee A$99
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay

Is part of...
Westpac Altitude Platinum · includes 8 listings
41 reviews
Westpac Altitude Business Gold

Westpac Altitude Business Gold

3.0 from 7 reviews
Purchase Rate20.24% p.a.
Annual FeeA$150 p.a.
Interest Free Period 55 days
  • 0% Annual Card Fee for the first year

  • Earn up to 1 Altitude Point per $1 spent on eligible business purchases

  • Complimentary Business Inconvenience Insurance and Unauthorised Transaction Insurance

  • Complimentary Travel and Purchase-related Insurances

  • $150 Annual Card Fee after the first year

  • 3% Foreign Transaction Fee

  • BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Income A$30,000
  • Rewards ProgramQantas Frequent Flyer and Westpac Altitude Rewards
  • Points Earn Rate 1 points per $1
  • Reduced First Year Annual Fee A$0
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay