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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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68 listings

Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.3 from 52 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • 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)

  • Transparency
    4.4 (37)
  • Customer Service
    4.7 (35)
  • Rates and Fees
    4.3 (36)
  • Rewards
    4.2 (33)
  • Online Experience
    4.4 (34)
  • Application Process
    4.6 (34)
  • BenefitsTravel Credit
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $100,000
  • Minimum Income $35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Latitude Infinity Rewards Visa

Latitude Infinity Rewards Visa

4.2 from 58 reviews
Purchase Rate20.69% p.a.
Annual Fee$69 p.a.
Interest Free Period 55 days
  • Earn 1 Latitude Infinity Rewards Point per $1 spent, uncapped

  • 3% International Transaction Fees

  • $0.95 BPAY Fee

  • $5,000 spend required to receive $50 gift voucher

  • Transparency
    4.2 (46)
  • Customer Service
    4.1 (51)
  • Rates and Fees
    4.0 (47)
  • Rewards
    4.3 (39)
  • Online Experience
    3.9 (47)
  • Application Process
    4.3 (34)
  • Foreign Transaction Fee 3%
  • Rewards ProgramLatitude Infinity Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Qantas American Express Ultimate

Qantas American Express Ultimate

3.8 from 69 reviews
Purchase Rate20.74% p.a.
Annual Fee$450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points100,000

  • Regular Bonus Point Offers

  • High Points Earn Rate

  • Uncapped Annual Points Accrual

  • $450 annual Qantas Travel Credit

  • Two complimentary Qantas Lounge invitations

  • High Annual Fee ($450)

  • 1% Balance Transfer Establishment Fee

  • $65,000 minimum income requirement

  • Reviewers commonly complain that AmEx is not accepted everywhere

  • Transparency
    4.1 (39)
  • Customer Service
    4.4 (41)
  • Rates and Fees
    3.4 (41)
  • Rewards
    4.5 (40)
  • Online Experience
    4.1 (39)
  • Application Process
    4.3 (42)
  • Foreign Transaction Fee 3%
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $3,000
  • Minimum Income $65,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Commonwealth Bank Awards

Commonwealth Bank Awards

3.5 from 85 reviews
Purchase Rate20.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.1 from 171 reviews
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
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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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Best Credit Cards in 2020!

Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. These are the best credit cards this year, as decided by ProductReview.com.au reviewers.

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Commonwealth Bank Diamond Awards

Commonwealth Bank Diamond Awards

3.5 from 41 reviews
Purchase Rate20.24% p.a.
Annual Fee$349 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points100,000

GO MasterCard

GO MasterCard

2.9 from 1,114 reviews
Purchase Rate19.95% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
Coles Rewards Mastercard

Coles Rewards Mastercard

3.1 from 129 reviews
Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
Westpac Altitude Platinum

Westpac Altitude Platinum · includes 8 listings

3.3 from 41 reviews
Purchase Rate20.24 to 20.49% p.a.
Annual Fee$49 p.a., $150 p.a. and $200 p.a.

Sign-Up Bonus Points15,000 to 80,000

Westpac Altitude Black

Westpac Altitude Black · includes 6 listings

2.9 from 78 reviews
Purchase Rate20.24 to 20.49% p.a.
Annual Fee$199 p.a. and $250 p.a.

Sign-Up Bonus Points90,000 to 150,000

American Express Explorer

American Express Explorer

4.2 from 14 reviews
Purchase Rate20.74% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

Woolworths Everyday Platinum

Woolworths Everyday Platinum

2.6 from 372 reviews
Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
American Express Platinum

American Express Platinum

2.9 from 49 reviews
Annual Fee$1,450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points200,000

St. George Amplify Signature

St. George Amplify Signature · includes 2 listings

3.6 from 18 reviews
Purchase Rate19.74% p.a.
Annual Fee$279 p.a.

Sign-Up Bonus Points90,000 to 200,000

David Jones American Express

David Jones American Express

2.7 from 69 reviews
Purchase Rate20.74% p.a.
Annual Fee$99 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points15,000

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Best Super Funds in 2020!

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ANZ Rewards

ANZ Rewards

2.7 from 57 reviews
Purchase Rate20.24% p.a.
Annual Fee$80 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points50,000

Commonwealth Bank Platinum Awards

Commonwealth Bank Platinum Awards

2.9 from 35 reviews
Purchase Rate20.24% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points80,000

American Express Platinum Edge

American Express Platinum Edge

2.6 from 63 reviews
Purchase Rate20.74% p.a.
Annual Fee$195 p.a.
Interest Free Period 55 days
American Express Essential

American Express Essential

2.4 from 122 reviews
Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
HSBC Platinum

HSBC Platinum

2.8 from 34 reviews
Purchase Rate19.99% p.a.
Annual Fee$129 p.a.
Interest Free Period 55 days
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