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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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5 listings

Virgin Australia Velocity Flyer

Virgin Australia Velocity Flyer

1.9 from 74 reviews
Purchase Rate20.74% p.a.
Annual FeeA$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
    2.9 (22)
  • Rewards
    3.4 (18)
  • Online Experience
    2.8 (22)
  • Customer Service
    2.8 (22)
  • Rates and Fees
    2.8 (21)
  • 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
  • Contactless PaymentsSamsung Pay
  • Sign-Up Bonus Earn up to 70,000 bonus Velocity Points (20,000 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 A$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 FeeA$300 p.a.
Interest Free Period 45 days
  • 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
  • Minimum Credit Limit A$15,000
  • Maximum Credit Limit A$75,000
  • Minimum Income A$75,000
  • Rewards ProgramVelocity Frequent Flyer
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay

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

Westpac Altitude Platinum - Velocity Frequent Flyer American Express Bundle

No reviews yet
Purchase Rate20.24% p.a.
Annual FeeA$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 A$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 yet
Purchase Rate20.24% p.a.
Annual FeeA$199 p.a.
Interest Free Period 45 days
  • 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
  • Minimum Credit Limit A$3,000
  • Maximum Credit Limit A$75,000
  • Minimum Income A$75,000
  • Rewards ProgramVelocity Frequent Flyer
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay

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 yet
Purchase Rate20.49% p.a.
Annual FeeA$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 A$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