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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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6 listings


NAB Rewards Platinum

NAB Rewards Platinum

2.4 from 14 reviews
Purchase Rate19.99% p.a.
Annual Fee$194 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Rewards Program: NAB Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 60,000 Bonus Points when you spend $1,000 on everyday purchases within 60 days of account opening
  • Earn up to 3 Points per dollar (see Details), uncapped

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

  • Seven complimentary insurances, including Overseas Travel Insurance

  • $195 Annual Fee

  • 2% Balance Transfer Fee

  • 3% International Transaction Fee

Sign-Up Bonus Points60,000


NAB Qantas Rewards Premium

NAB Qantas Rewards Premium

2.1 from 18 reviews
Purchase Rate19.99% p.a.
Annual Fee$250 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 30,000 Bonus Points when you spend $2,500 on everyday purchases within 60 days of account opening
  • 30,000 Bonus Qantas Points when you spend $2,500 on everyday purchases in the first 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

Sign-Up Bonus Points30,000


NAB Qantas Rewards Signature

NAB Qantas Rewards Signature

4.0 from 2 reviews
Purchase Rate19.99% p.a.
Annual Fee$195 p.a.
Interest Free Period 44 days
  • Benefits: Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $15,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive up to 120,000 Bonus Qantas Points (90,000 points when you spend $4,000 within 60 days of account opening and 30,000 points when you keep your card for over 12 months)
  • Sign up and receive up to 120,000 Qantas Points (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

Sign-Up Bonus Points90,000


NAB Rewards Signature

NAB Rewards Signature

3.7 from 3 reviews
Purchase Rate19.99% p.a.
Annual Fee$295 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $15,000
  • Rewards Program: NAB Rewards
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 120,000 Bonus Points (90,000 points when you spend $2,500 within 60 days of card approval and 30,000 points when you keep your card for over 12 months)
  • 120,000 NAB Rewards Bonus Points on offer

  • Earn up to 3.75 Points per dollar

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

  • Seven complimentary insurances, including Overseas Travel Insurance

  • $295 Annual Fee

  • 2% Balance Transfer Fee

  • 3% International Transaction Fee

  • Minimum Credit Limit of $15,000

Sign-Up Bonus Points120,000


NAB Qantas Rewards

NAB Qantas Rewards

2.8 from 5 reviews
Purchase Rate19.99% p.a.
Annual Fee$95 p.a.
Interest Free Period 44 days
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : $55,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.5 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • 0% on Balance Transfers for 6 months

  • Earn 0.5 Qantas Points per $1 & Free Qantas Frequent Flyer Membership

  • Complimentary Purchase Protection Insurance

  • Accessible Minimum Credit Limit of $500

  • $95 Annual Card Fee

  • 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee


NAB Rewards Classic

NAB Rewards Classic

2.5 from 2 reviews
Purchase Rate19.99% p.a.
Annual Fee$95 p.a.
Interest Free Period 44 days
  • Benefits: Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $500
  • Rewards Program: NAB Rewards
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : 30,000 Bonus Points when you spend $500 within 60 days of account opening.
  • 30,000 NAB Rewards Bonus Points on offer

  • Earn up to 2.25 Points per dollar

  • Complimentary Purchase Protection Insurance

  • $95 Annual Card Fee

  • 2% Balance Transfer Fee

  • Accessible Minimum Credit Limit of $500

Sign-Up Bonus Points30,000