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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.
Read More...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.
6 listings
ANZ Rewards
Sign-Up Bonus Points50,000
- Pros & Cons
- Review Summary
- Specifications
50,000 Bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval
1 Reward Point per $1 spent on eligible purchases up to $1,000 per statement period
Up to 55 interest free days on purchases
3% Overseas Transaction Fee
Lower earn rate of 0.5 Reward Points per $1 after the first $1,000 per statement period
- Transparency 4.0 (20)
- Rewards4.2 (18)
- Online Experience4.0 (19)
- Customer Service4.0 (19)
- Rates and Fees3.2 (20)
- Application Process4.2 (15)
- BenefitsSign-Up Bonus Points Offer
- Minimum Credit Limit A$1,000
- Minimum Income A$15,000
- Rewards ProgramANZ Rewards
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay, Garmin Pay, Google Pay and Samsung Pay
- Sign-Up Bonus 50,000 bonus Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approval.
ANZ Frequent Flyer Black
Sign-Up Bonus Points120,000
- Pros & Cons
- Review Summary
- Specifications
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 2.9 (8)
- Rewards3.3 (10)
- Online Experience2.7 (10)
- Customer Service2.8 (9)
- Rates and Fees2.2 (9)
- Application Process2.9 (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
- Sign-Up Bonus Receive 120,000 bonus Qantas Points and $275 back when you spend $4,000 on eligible purchases in the first 3 months of approval.
Citibank Citi Premier
Sign-Up Bonus Points70,000
- Pros & Cons
- Review Summary
- Specifications
Up to 70,000 Bonus Rewards Points on offer
0% p.a. on Balance Transfers for 6 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
$395 Annual Fee
1% Balance Transfer Fee
3.4% International Transaction Fee
Minimum Credit Limit of $15,000
- Transparency 4.1 (10)
- Rewards3.9 (10)
- Online Experience4.0 (10)
- Customer Service4.0 (10)
- Rates and Fees3.7 (10)
- Application Process3.7 (9)
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Maximum Credit Limit A$100,000
- Minimum Income A$75,000
- Rewards ProgramCiti Rewards
- Points Earn Rate 2 points per $1
- Contactless PaymentsApple Pay and Samsung Pay
- Sign-Up Bonus Receive 70,000 Bonus Points when you spend $5,000 in the first 60 days from card approval
ANZ Rewards Black
Sign-Up Bonus Points150,000
- Pros & Cons
- Review Summary
- Specifications
150,000 bonus Reward Points on offer
Earn 2 Reward Points per $1 spent on eligible purchases up to $5,000 per statement period (1 Reward Point per $1 thereafter)
Complimentary Travel and Shopping Insurances, including Overseas Travel and Medical Insurance
$375 Annual Fee
3% Foreign Transaction Fee
Minimum Credit Limit of $15,000 may be too high for you
- Transparency 4.5 (4)
- Rewards4.0 (4)
- Online Experience5.0 (5)
- Customer Service4.8 (5)
- Rates and Fees4.2 (5)
- Application Process4.7 (3)
- BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit A$15,000
- Minimum Income A$75,000
- Rewards ProgramANZ Rewards
- Points Earn Rate 2 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Sign-Up Bonus Receive 150,000 points when you spend $4000 in the first 3 months
Citibank Citi Prestige
Sign-Up Bonus Points100,000
- Pros & Cons
- Review Summary
- Specifications
100,000 Bonus Points on offer
Earn up to 3 Points for every $1 spent
Unlimited Airport Lounge Access and Complimentary Airport Transfer Service
Complimentary International Travel Insurance and Complimentary Hotel Stay
0% p.a. on Balance Transfers for 6 months
Add up to 4 Additional Cardholders at no extra cost
$700 Annual Fee
3.4% International Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate after 6 months
Minimum Credit Limit of $30,000
- Transparency 1.0 (1)
- Rewards3.0 (1)
- Online Experience1.0 (1)
- Customer Service1.0 (1)
- Rates and Fees4.0 (1)
- Application Process1.0 (1)
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit A$30,000
- Maximum Credit Limit A$100,000
- Rewards ProgramCiti Rewards
- Points Earn Rate 3 points per $1
- Contactless PaymentsApple Pay and Samsung Pay
- Sign-Up Bonus Receive 100,000 Points when you apply by 30 June 2020 and spend $7,500 within the first 60 days of card approval
ANZ Rewards Platinum
Sign-Up Bonus Points100,000
- Pros & Cons
- Review Summary
- Specifications
100,000 Bonus Reward Points on offer
Earn 1.5 Reward Points per $1 spend on eligible purchases up to $2,000 per statement period
Complimentary Travel and Shopping Insurances, including Overseas Travel and Medical Insurance
$95 Annual Fee
3% Foreign Transaction Fee
Points Earn Rate drops to 0.5 Reward Points per $1 spent after the first $2,000 per statement period
- Transparency 4.5 (2)
- Rewards4.0 (2)
- Online Experience4.0 (2)
- Customer Service4.5 (2)
- Rates and Fees4.0 (2)
- Application Process4.5 (2)
- BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit A$6,000
- Minimum Income A$35,000
- Rewards ProgramANZ Rewards
- Points Earn Rate 1.5 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Sign-Up Bonus Receive 100,000 bonus Rewards Points when you spend $2,500 in the first 3 months from approval