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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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9 listings

Coles Rewards Mastercard

Coles Rewards Mastercard

3.5 from 103 reviews
Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • 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 18 months

  • Relatively high $99 Annual Fee

  • $30 Late Payment Fee

  • Transparency
    3.8 (84)
  • Rewards
    4.3 (72)
  • Online Experience
    3.7 (80)
  • Customer Service
    3.6 (86)
  • Rates and Fees
    3.8 (82)
  • Application Process
    3.9 (74)
  • BenefitsNo Foreign Transaction Fee and Sign-Up Bonus Points Offer
  • Rewards Programflybuys and Velocity Frequent Flyer
  • Points Earn Rate 2 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
ANZ Rewards Travel Adventures

ANZ Rewards Travel Adventures

3.6 from 24 reviews
Purchase Rate20.24% p.a.
Annual Fee$225 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points75,000

  • 75,000 bonus Velocity Points if you spend $2,500 on eligible purchases in the first 3 months of approval

  • Complimentary return domestic flight and two Virgin Australia lounge passes each year

  • No Overseas Transaction Fee on purchases

  • 1.5 ANZ Reward Points per $1 on eligible purchases up to $2,000 per statement period

  • Complimentary Overseas Travel Insurance

  • Complimentary Extended Warranty Insurance and Purchase Security Insurance

  • High $225 Annual Fee

  • Reviewers mention the complimentary flight is difficult to book (must be booked 2 months prior to flying, also hard to find seats during peak times)

  • Lower earn rate of 0.5 ANZ Reward Points per $1 after the first $2,000 per statement period

  • Transparency
    4.2 (20)
  • Rewards
    3.9 (19)
  • Online Experience
    3.9 (19)
  • Customer Service
    4.2 (19)
  • Rates and Fees
    3.6 (20)
  • Application Process
    4.0 (19)
  • BenefitsComplimentary Travel Insurance, No Foreign Transaction Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $6,000
  • Minimum Income $35,000
  • Rewards ProgramANZ Rewards and Velocity Frequent Flyer
  • Points Earn Rate 1.5 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus 75,000 bonus Velocity Frequent Flyer Points when you spend $2,500 on eligible purchases in the first 3 months of approval.
American Express Velocity Platinum

American Express Velocity Platinum

3.8 from 10 reviews
Purchase Rate20.74% p.a.
Annual Fee$375 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points50,000

  • 50,000 bonus Velocity Points on offer

  • Complimentary Virgin Australia return economy domestic flight and lounge passes each anniversary year

  • Complimentary Travel Insurance

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

  • $375 Annual Fee

  • 1% Balance Transfer Fee

  • 3% International Transaction Fee

  • Transparency
    4.0 (6)
  • Rewards
    4.1 (9)
  • Online Experience
    4.1 (9)
  • Customer Service
    4.4 (9)
  • Rates and Fees
    3.3 (9)
  • Application Process
    4.6 (9)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $3,000
  • Maximum Credit Limit $10,000
  • Minimum Income $65,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 50,000 bonus Velocity Points when you spend $3,000 within the first 3 months.
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
  • $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

  • Transparency
    4.5 (6)
  • Rewards
    4.0 (6)
  • Online Experience
    4.3 (6)
  • Customer Service
    4.2 (6)
  • Rates and Fees
    4.3 (6)
  • Application Process
    4.5 (6)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $25,000
  • Minimum Income $40,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Virgin Australia Velocity Flyer

Virgin Australia Velocity Flyer

1.9 from 69 reviews
Purchase Rate20.74% p.a.
Annual Fee$129 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points70,000

  • 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
    3.3 (18)
  • Rewards
    3.6 (16)
  • Online Experience
    3.1 (18)
  • Customer Service
    3.2 (18)
  • Rates and Fees
    3.1 (18)
  • Application Process
    3.9 (16)
  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $50,000
  • Minimum Income $35,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 0.66 points per $1
  • Contactless PaymentsSamsung Pay
  • Sign-Up Bonus Earn up to 70,000 bonus Velocity Points (25,000 points each month when you spend $1,500 or more in the first 3 months and 10,000 points after your first anniversary)
  • Introductory Rate 0% p.a. for up to 14 months on purchases.
  • Reduced First Year Annual Fee $65
Westpac Altitude Black - Velocity Frequent Flyer Mastercard

Westpac Altitude Black - Velocity Frequent Flyer Mastercard

3.3 from 6 reviews
Purchase Rate20.49% p.a.
Annual Fee$300 p.a.
Interest Free Period 45 days

Sign-Up Bonus Points80,000

  • Uncapped points earning

  • Lounge passes and travel insurance included

  • Annual fee of $250 + Velocity joining fee

  • $75,000 minimum income required

  • Transparency
    3.8 (6)
  • Rewards
    4.8 (5)
  • Online Experience
    3.3 (6)
  • Customer Service
    3.0 (6)
  • Rates and Fees
    3.3 (6)
  • Application Process
    2.7 (6)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $15,000
  • Maximum Credit Limit $75,000
  • Minimum Income $75,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 80,000 bonus Velocity Points when you spend $4,000 within 90 days of card approval.

Is part of...
Westpac Altitude Black · includes 6 listings
73 reviews
Westpac Altitude Platinum - Velocity Frequent Flyer Mastercard

Westpac Altitude Platinum - Velocity Frequent Flyer Mastercard

No reviews
Purchase Rate20.49% p.a.
Annual Fee$200 p.a.
Interest Free Period 45 days

Sign-Up Bonus Points60,000

  • Receive 60,000 Bonus Velocity Points if you apply by 15 October 2019 and spend $3,000 on eligible purchases in the first 90 days from card approval

  • Earn 0.5 Velocity Point per $1, uncapped

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

  • $200 Annual Fee

  • 3% Foreign Transaction Fee

  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 60,000 points when you spend $3,000 within 90 days from card approval.

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

Sign-Up Bonus Points15,000

  • 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

  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $3,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsFitbit 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.

Is part of...
Westpac Altitude Platinum · includes 8 listings
41 reviews
Westpac Altitude Black - Velocity Frequent Flyer American Express Bundle

Westpac Altitude Black - Velocity Frequent Flyer American Express Bundle

No reviews
Purchase Rate20.24% p.a.
Annual Fee$199 p.a.
Interest Free Period 45 days

Sign-Up Bonus Points20,000

  • Receive both a Westpac Altitude Black Mastercard and an American Express Westpac Altitude Black Card

  • Uncapped points earning

  • Lounge passes and travel insurance included

  • Total annual fee of $449 + Velocity joining fee

  • $75,000 minimum income required

  • May be hard to juggle the different rates and conditions of two cards

  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $3,000
  • Maximum Credit Limit $75,000
  • Minimum Income $75,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 20,000 bonus Velocity Points when you spend $3,000 on eligible purchases within 90 days of Card approval.

Is part of...
Westpac Altitude Black · includes 6 listings
73 reviews