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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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25 listings

Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.3 from 52 reviews
Purchase Rate20.74% p.a.
Annual FeeA$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 A$2,000
  • Maximum Credit Limit A$100,000
  • Minimum Income A$35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Qantas American Express Ultimate

Qantas American Express Ultimate

3.9 from 67 reviews
Purchase Rate20.74% p.a.
Annual FeeA$450 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points55,000

  • 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
    4.2 (38)
  • Customer Service
    4.5 (40)
  • Rates and Fees
    3.5 (40)
  • Rewards
    4.5 (39)
  • Online Experience
    4.2 (38)
  • Application Process
    4.4 (41)
  • BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit A$3,000
  • Minimum Income A$65,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
David Jones American Express

David Jones American Express

2.7 from 67 reviews
Purchase Rate20.74% p.a.
Annual FeeA$99 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points30,000

  • 30,000 Reward Points or 15,000 Qantas Points on offer

  • Earn up to 3 Reward Points or 1.5 Qantas Points per dollar (1 Reward Point = 0.5 Qantas Points)

  • 3% Currency Conversion Fee

  • $99 Annual Fee

  • Transparency
    3.4 (20)
  • Customer Service
    3.4 (21)
  • Rates and Fees
    2.9 (22)
  • Rewards
    3.3 (22)
  • Online Experience
    3.4 (21)
  • Application Process
    3.7 (21)
  • BenefitsSign-Up Bonus Points Offer
  • Minimum Credit Limit A$2,000
  • Minimum Income A$40,000
  • Rewards ProgramAmerican Express Membership Rewards and Qantas Frequent Flyer
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Qantas Premier Everyday

Qantas Premier Everyday

2.6 from 19 reviews
Purchase Rate19.99% p.a.
Annual FeeA$49 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points25,000

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

  • Earn up to 1 Qantas Point per $1 spent

  • Complimentary Travel Insurance

  • 3% Foreign Transaction Fee

  • Minimum spend of $1,000 per month is required to receive 5,000 Bonus Qantas Points each month for 5 months

  • Transparency
    3.1 (15)
  • Customer Service
    2.9 (14)
  • Rates and Fees
    2.8 (14)
  • Rewards
    3.4 (10)
  • Online Experience
    2.7 (15)
  • Application Process
    3.6 (13)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$4,000
  • Maximum Credit Limit A$30,000
  • Minimum Income A$35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay and Samsung Pay
Qantas Premier Platinum

Qantas Premier Platinum

2.0 from 53 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 (48)
  • Customer Service
    2.2 (46)
  • Rates and Fees
    2.4 (41)
  • Rewards
    3.2 (34)
  • Online Experience
    2.2 (45)
  • Application Process
    2.8 (43)
  • 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
ANZ Frequent Flyer Black

ANZ Frequent Flyer Black

2.6 from 13 reviews
Purchase Rate20.24% p.a.
Annual FeeA$425 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points120,000

  • 120,000 Bonus Point & $200 Cash Back Offer

  • Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period

  • Complimentary Travel and Shopping Insurances

  • Two complimentary Qantas Club Lounge invitations every year

  • $425 Annual Fee

  • Points Earn Rate drops to 0.5 Qantas Points per $1 spent after the first $7,500 per statement period

  • 3% Foreign Transaction Fee

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

  • Transparency
    3.1 (9)
  • Customer Service
    2.9 (10)
  • Rates and Fees
    2.3 (10)
  • Rewards
    3.4 (11)
  • Online Experience
    2.7 (10)
  • Application Process
    2.9 (8)
  • BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$15,000
  • Minimum Income A$75,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
NAB Qantas Rewards Premium

NAB Qantas Rewards Premium

2.2 from 19 reviews
Purchase Rate19.99% p.a.
Annual FeeA$250 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points30,000

  • 30,000 Bonus Qantas Points when you spend $2,500 on everyday purchases within 60 days of account opening

  • Points Earn Rate: 1 Qantas Point per $1.50 up to $3,000 per statement period

  • 0% on Balance Transfers for 6 months

  • Seven complimentary insurances including Overseas Travel Insurance

  • $250 Annual Fee

  • 3% International Transaction Fee

  • 2% Balance Transfer Fee

  • Points Earn Rate drops to 1 Qantas Point per $3 after the first $3,000 per statement period

  • Transparency
    3.2 (6)
  • Customer Service
    2.8 (6)
  • Rates and Fees
    2.6 (5)
  • Rewards
    2.7 (6)
  • Online Experience
    3.3 (6)
  • Application Process
    3.3 (6)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 3 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Woolworths Qantas Platinum

Woolworths Qantas Platinum

1.6 from 52 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)

  • 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
Bankwest Qantas Platinum Mastercard

Bankwest Qantas Platinum Mastercard

4.3 from 4 reviews
Purchase Rate20.49% p.a.
Annual FeeA$160 p.a.
Interest Free Period 44 days
  • No Foreign Transaction Fee

  • Earn 0.75 point per $1 spent on eligible purchases for the first $2,500 each month

  • Complimentary Overseas Travel Insurance

  • $160 Annual Fee

  • Transparency
    4.0 (1)
  • Customer Service
    5.0 (1)
  • Rates and Fees
    4.0 (1)
  • Rewards
    4.0 (1)
  • Online Experience
    5.0 (1)
  • Application Process
    5.0 (1)
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit A$3,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay and Google Pay
Westpac Altitude Black - Qantas Frequent Flyer American Express Bundle

Westpac Altitude Black - Qantas Frequent Flyer American Express Bundle

4.1 from 8 reviews
Purchase Rate20.24% p.a.
Annual FeeA$199 p.a.
Interest Free Period 45 days

Sign-Up Bonus Points90,000

  • 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 + QFF joining fee

  • $75,000 minimum income required

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

  • Transparency
    4.3 (8)
  • Customer Service
    4.0 (8)
  • Rates and Fees
    2.9 (7)
  • Rewards
    4.3 (7)
  • Online Experience
    3.9 (7)
  • Application Process
    4.3 (8)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$3,000
  • Maximum Credit Limit A$75,000
  • Minimum Income A$75,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay

Is part of...
Westpac Altitude Black · includes 6 listings
73 reviews
Qantas American Express Premium

Qantas American Express Premium

4.0 from 3 reviews
Purchase Rate20.74% p.a.
Annual FeeA$249 p.a.
Interest Free Period 44 days

Sign-Up Bonus Points30,000

  • 30,000 bonus Qantas Points on offer

  • Earn up to 1 Qantas Point for every $1 spent

  • $249 Annual Fee

  • 3% Foreign Transaction Fee

  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$40,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
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

  • 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 - Qantas Frequent Flyer

St.George Amplify Platinum - Qantas Frequent Flyer

4.0 from 1 review
Purchase Rate19.74% p.a.
Annual FeeA$99 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points60,000

  • 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

  • Transparency
    3.0 (1)
  • Customer Service
    3.0 (1)
  • Rates and Fees
    3.0 (1)
  • Rewards
    4.0 (1)
  • Online Experience
    5.0 (1)
  • Application Process
    1.0 (1)
  • BenefitsSign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsGoogle Pay and Samsung Pay

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

St. George Amplify Signature - Qantas Frequent Flyer

3.8 from 8 reviews
Purchase Rate19.74% p.a.
Annual FeeA$279 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points80,000

  • 90,000 Qantas bonus points on offer

  • Earn 0.75 points per $1 spent on eligible purchases, uncapped. Plus, receive Birthday Bonus Points

  • 0% on Balance Transfers for 6 months

  • Complimentary Travel Insurance and Extended Warranty

  • 3% Overseas Transaction Fee

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

  • Transparency
    4.3 (7)
  • Customer Service
    4.7 (7)
  • Rates and Fees
    4.3 (7)
  • Rewards
    4.7 (6)
  • Online Experience
    4.6 (7)
  • Application Process
    4.4 (7)
  • BenefitsSign-Up Bonus Points Offer
  • Minimum Credit Limit A$15,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Reduced First Year Annual Fee A$179
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay

Is part of...
St. George Amplify Signature · includes 2 listings
17 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

  • 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 Black - Qantas Frequent Flyer Mastercard

Westpac Altitude Black - Qantas Frequent Flyer Mastercard

3.6 from 7 reviews
Purchase Rate20.49% p.a.
Annual FeeA$250 p.a.
Interest Free Period 45 days

Sign-Up Bonus Points90,000

  • Uncapped points earning

  • Lounge passes and travel insurance included

  • Annual fee of $250 + QFF joining fee

  • $75,000 minimum income required

  • Transparency
    3.6 (7)
  • Customer Service
    3.7 (7)
  • Rates and Fees
    2.4 (7)
  • Rewards
    3.0 (6)
  • Online Experience
    3.6 (7)
  • Application Process
    4.0 (7)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$15,000
  • Maximum Credit Limit A$75,000
  • Minimum Income A$75,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • 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 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
HSBC Premier World Mastercard - HSBC Qantas Rewards

HSBC Premier World Mastercard - HSBC Qantas Rewards

3.0 from 1 review
Purchase Rate19.99% p.a.
Annual FeeA$99 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points40,000

  • $99 Annual Fee

  • Earn 1 Qantas Point per $1 spent on eligible 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

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

  • Transparency
    4.0 (1)
  • Customer Service
    4.0 (1)
  • Rates and Fees
    3.0 (1)
  • Rewards
    3.0 (1)
  • Online Experience
    4.0 (1)
  • Application Process
    4.0 (1)
  • BenefitsComplimentary Travel Insurance
  • Minimum Credit Limit A$15,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay and Google Pay

Is part of...
HSBC Premier World Mastercard · includes 2 listings
1 review
HSBC Platinum Qantas

HSBC Platinum Qantas

2.3 from 8 reviews
Purchase Rate19.99% p.a.
Annual FeeA$99 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points20,000

  • Receive 20,000 bonus Qantas Points when you spend $3,000 or more within 90 days from card approval

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

  • Earn 1 Qantas point per $1 spent up to $1,000 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 $1,000 per statement period

  • Transparency
    2.0 (3)
  • Customer Service
    3.0 (4)
  • Rates and Fees
    3.5 (4)
  • Rewards
    4.0 (2)
  • Online Experience
    2.4 (5)
  • Application Process
    3.0 (4)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit A$6,000
  • Maximum Credit Limit A$60,000
  • Minimum Income A$40,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay and Google Pay
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