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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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82 listings


GO MasterCard

GO MasterCard

2.4 from 651 reviews
Purchase Rate22.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $25,000
  • Rewards Program: GO Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Google Pay and Samsung Pay
  • 0% interest for a set period (min. $300 purchases)

  • Three repayment options to choose from

  • $5.95 Monthly Fee

  • $25 Establishment Fee

  • High rate once the interest-free period ends (22.74%)


Qantas Premier Platinum

Qantas Premier Platinum

2.7 from 24 reviews
Purchase Rate19.99% p.a.
Annual Fee$149 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive up to 120,000 Qantas Points (20,000 points each month when you spend $1,500 each month for the first 6 months)
  • Reduced First Year Annual Fee : $199
  • Up to 120,000 Bonus Qantas Points on offer if you apply by 26 February 2019

  • 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

  • $199 Annual Fee in your first year, $299 Annual Fee in subsequent years

  • 3% International Transaction Fee

  • Minimum spend of $1,500 per month is required to receive 20,000 Bonus Qantas Points each month for 6 months

Sign-Up Bonus Points120,000


Qantas American Express Ultimate

Qantas American Express Ultimate

4.0 from 66 reviews
Purchase Rate20.74% p.a.
Annual Fee$450 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $3,000
  • Minimum Income : $65,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 55,000 bonus Qantas Points when you apply online and spend $3,000 within the first 3 months.
  • Regular Bonus Point Offers (currently 55,000)

  • High Points Earn Rate

  • Uncapped Annual Points Accrual

  • $450 yearly Qantas Travel Credit

  • Two complimentary Qantas Lounge invitations

  • High Annual Fee ($450)

  • Only 44 days Interest-Free Period

  • 1% Balance Transfer Establishment Fee

  • $65,000 minimum income requirement

  • Reviewers commonly complain that AmEx is not accepted everywhere

Sign-Up Bonus Points55,000


Coles Low Rate MasterCard

Coles Low Rate MasterCard

1.6 from 530 reviews
Purchase Rate12.99% p.a.
Annual Fee$58 p.a.
Interest Free Period 55 days
  • Benefits: Introductory Interest Rate
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $60,000
  • Minimum Income : $25,000
  • Rewards Program: flybuys
  • Points Earn Rates : 0.5 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Introductory Rate : 0% p.a. for the first 12 months
  • 0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020

  • Low $58 Annual Fee

  • Low 12.99% p.a. Interest Rate on purcahes

  • flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1

  • 2.5% International Transaction Fee


Coles Rewards Mastercard

Coles Rewards Mastercard

3.6 from 98 reviews
Purchase Rate19.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Benefits: No Foreign Transaction Fee and Sign-Up Bonus Points Offer
  • Rewards Program: flybuys and Velocity Frequent Flyer
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Sign-Up Bonus : Receive 120,000 Bonus Points when you spend $3,000 in the first 90 days from approval
  • 120,000 Bonus Points when you apply by 31 January 2020 and spend $3,000 in the first 90 days from approval

  • 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 14 months

  • Relatively high $99 Annual Fee

  • $30 Late Payment Fee

Sign-Up Bonus Points120,000


Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.4 from 50 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Minimum Credit Limit : $2,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • 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)


Citibank Citi Rewards Platinum

Citibank Citi Rewards Platinum

2.9 from 71 reviews
Purchase Rate21.49% p.a.
Annual Fee$149 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $100,000
  • Minimum Income : $35,000
  • Rewards Program: Citi Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Sign-Up Bonus : Receive up to 120,000 bonus points (80,000 points when you spend $3,000 in the first 90 days from approval and an additional 40,000 points on your first anniversary)
  • Reduced First Year Annual Fee : $49
  • Multiple Promotional Offers to choose from (see Details) if you apply by 31 January 2020

  • Points Earn Rate: 1 Citi Point per $1 spent

  • Linked Diners Club Card has No International Transaction Fees and 2 Citi Points per $1 spent earn rate

  • 0% on Balance Transfers for either 12, 15 or 26 months

  • Reduced $0 or $49 Annual Fee in your first year

  • $149 or $199 Annual Fee after your first year

  • 3.4% International Transaction Fee

  • 1% or 1.5% Balance Transfer Fee may apply depending on which sign-up offer you choose

Sign-Up Bonus Points120,000


American Express Essential

American Express Essential

2.5 from 105 reviews
Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $40,000
  • Rewards Program: American Express Membership Rewards
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • $0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases

  • Earn up to 1.25 Membership Rewards Points per $1

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

  • Smartphone Screen Insurance

  • Add up to 4 Additional Cards at no extra cost

  • 3% Balance Transfer Fee

  • 3% Currency Conversion Fee


David Jones American Express

David Jones American Express

2.8 from 65 reviews
Purchase Rate20.74% p.a.
Annual Fee$99 p.a.
Interest Free Period 44 days
  • Benefits: Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $2,000
  • Minimum Income : $40,000
  • Rewards Program: American Express Membership Rewards and Qantas Frequent Flyer
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 40,000 Reward points or 20,000 Qantas Points when you apply online by 5th December 2019, are approved and spend $750 outside David Jones in the first three months of becoming a Card Member.
  • 40,000 Reward Points or 20,000 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

Sign-Up Bonus Points40,000


Kogan Money Black Card

Kogan Money Black Card

1.0 from 2 reviews
Purchase Rate20.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $6,000
  • Minimum Income : $35,000
  • Points Earn Rates : 1 points per $1
  • Sign-Up Bonus : Receive $300 in Kogan.com credit when you apply by 30 November 2019 and spend $3,000 in the first 90 days.

American Express Platinum

American Express Platinum

3.2 from 37 reviews
Annual Fee$1,450 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Income : $100,000
  • Rewards Program: American Express Membership Rewards
  • Points Earn Rates : 2.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive a welcome bonus of 120,000 Membership Rewards points when you spend $1,500 in the first 3 months.
  • No pre-set spending limit

  • Card is made of metal

  • Access to over 1,200 airport lounges worldwide

  • 2.25 Membership Rewards points per $1 spent

  • $1,450 Annual Fee

  • Minimum required income of $100,000

Sign-Up Bonus Points120,000


Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.3 from 156 reviews
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Benefits: Introductory Interest Rate
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $60,000
  • Minimum Income : $25,000
  • Rewards Program: flybuys
  • Points Earn Rates : 0.5 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Introductory Rate : 0% p.a. for the first 12 months
  • No annual fee

  • 0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020

  • $10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points

  • Low flybuys points earn rate of 1 Flybuy Point per $2

  • 2.5% International Transaction Fee

  • Relatively high 19.99% interest rate

  • Reviewers mention poor customer service should an issue arise


Woolworths Everyday Platinum

Woolworths Everyday Platinum

2.5 from 363 reviews
Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit : $6,000
  • Minimum Income : $30,000
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple Pay
  • Reduced First Year Annual Fee : $0
  • $10 off at Woolworths for 2,000 points (min. $667 spend)

  • 10% off one shop at Woolworths each month

  • Regular promotions to waive the annual fee for the first year

  • Points earned are not the same as regular Woolworths Rewards points

  • Points cannot be converted to Qantas Frequent Flyer points


Westpac Altitude Black

Westpac Altitude Black · includes 6 listings

3.1 from 72 reviews
Purchase Rate20.24 to 20.49% p.a.
Annual Fee$199 p.a., $250 p.a. or $300 p.a.
Interest Free Period At least 44 days
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $3,000 to $15,000
  • Maximum Credit Limit : $75,000
  • Minimum Income : $75,000
  • Rewards Program: Qantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
  • Points Earn Rates : 0.75 to 3 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Reduced First Year Annual Fee : $250
  • Uncapped points earning

  • Lounge passes and travel insurance included

  • Annual fee is not inclusive of Velocity or QFF membership fee

  • $75,000 minimum income required

Sign-Up Bonus Points20,000 to 100,000


Myer Visa Card

Myer Visa Card

1.9 from 73 reviews
Purchase Rate20.69% p.a.
Annual Fee$69 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit : $1,000
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Google Pay
  • Reduced First Year Annual Fee : $0
  • Uncapped Myer One credit earn rate

  • 6 months interest free on purchases of $250 or more at Myer

  • Combine with your existing Myer One membership for maximum rewards

  • Not that useful if you don't regularly shop at Myer

  • Not good for travelling (3% international transaction fee)


Citibank Citi Rewards Signature

Citibank Citi Rewards Signature

2.7 from 24 reviews
Purchase Rate21.49% p.a.
Annual Fee$395 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Maximum Credit Limit : $100,000
  • Minimum Income : $75,000
  • Rewards Program: Citi Rewards
  • Points Earn Rates : 2 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Sign-Up Bonus : Receive 120,000 Bonus Points when you spend $4,000 in the first 90 days from card approval
  • Reduced First Year Annual Fee : $199
  • Up to 120,000 Bonus Rewards Points on offer

  • 0% p.a. on Balance Transfers for 15 months

  • Earn up to 2 Citi Rewards Points per $1 spent

  • Linked Diners Club Card includes uncapped earn rate of 2 Points per $1 and No International Transaction Fees

  • Complimentary International Travel Insurance and Two Airport Lounge Passes each year

  • High $199 Annual Fee in the first year & $395 for each subsequent year

  • 1% Balance Transfer Fee

  • 3.4% International Transaction Fee

  • Minimum Credit Limit of $15,000

Sign-Up Bonus Points120,000


Commonwealth Bank Awards

Commonwealth Bank Awards

3.6 from 82 reviews
Purchase Rate20.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $500
  • Rewards Program: CommBank Awards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus : Receive 30,000 Bonus Awards Points when you apply by 29 February 2020 and spend $2,000 within 90 days.
  • Entry-level credit limit of $500 minimum

  • Can earn either Commbank Awards points or Qantas Frequent Flyer points

  • High Balance Transfer Rate (5.99%)

  • Awards points earn rate capped at 50,000 per annum

  • Qantas points earn rate capped at 12,000 per annum

  • Switching to Qantas points program incurs an additional $30 annual fee

Sign-Up Bonus Points30,000


ANZ Rewards Travel Adventures

ANZ Rewards Travel Adventures

3.7 from 23 reviews
Purchase Rate20.24% p.a.
Annual Fee$225 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $6,000
  • Minimum Income : $35,000
  • Rewards Program: ANZ Rewards and Velocity Frequent Flyer
  • Points Earn Rates : 1.5 points per $1
  • Contactless Payments: Apple 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.
  • 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

Sign-Up Bonus Points75,000


Qantas Premier Everyday

Qantas Premier Everyday

2.8 from 16 reviews
Purchase Rate19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $4,000
  • Maximum Credit Limit : $30,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay and Samsung Pay
  • Sign-Up Bonus : 25,000 bonus Qantas points when you spend $1,000 on eligible purchases each month for over the first 5 months.
  • Reduced First Year Annual Fee : $29
  • Up to 42,000 Bonus Qantas Points on offer

  • $29 Annual Fee for the first year

  • 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 $1,00 per month is required to receive 7,000 Bonus Qantas Points each month for 6 months

Sign-Up Bonus Points25,000


Commonwealth Bank Diamond Awards

Commonwealth Bank Diamond Awards

3.6 from 40 reviews
Purchase Rate20.24% p.a.
Annual Fee$349 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance
  • Minimum Credit Limit : $15,000
  • Maximum Credit Limit : $50,000
  • Rewards Program: CommBank Awards
  • Points Earn Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Earn 1.25 Awards Points per $1

  • International Travel Insurance included

  • Cashback offers with Mastercard Travelers Rewards

  • $349 Annual Fee

  • 3% International Transaction Fee

  • Minimum Credit Limit of $15,000


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