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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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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


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


Virgin Australia Velocity Flyer

Virgin Australia Velocity Flyer

1.9 from 69 reviews
Purchase Rate20.74% p.a.
Annual Fee$129 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee, Sign-Up Bonus Points Offer and Travel Credit
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $50,000
  • Minimum Income : $35,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rates : 0.66 points per $1
  • Contactless Payments: Samsung Pay
  • Sign-Up Bonus : Earn up to 70,000 bonus Velocity Points (25,000 points each month when you spend $1,500 or more in the first 3 months).
  • Introductory Rate : 0% p.a. for up to 14 months on purchases.
  • Reduced First Year Annual Fee : $65
  • Multiple Promotional Offers to choose from (see Details below) if you apply by 02 December 2019

  • $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

Sign-Up Bonus Points70,000


Citibank Citi Signature Qantas

Citibank Citi Signature Qantas

5.0 from 5 reviews
Purchase Rate21.49% p.a.
Annual Fee$444 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 : $15,000
  • Maximum Credit Limit : $100,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Sign-Up Bonus : Receive up to 150,000 bonus Qantas Points (100,000 points when you spend $5,000 within 90 days from card approval, plus an additional 50,000 points after your first anniversary)
  • Reduced First Year Annual Fee : $0
  • Up to 150,000 Bonus Qantas Points on offer

  • $49 Annual Fee in your first year

  • Earn up to 1 Qantas Point per $1 spent

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

  • Complimentary Insurances, including International Travel Insurance

  • $444 Annual Fee after your first year

  • Minimum Credit Limit of $15,000

  • 3.4% International Transaction Fee

Sign-Up Bonus Points150,000


Citibank Citi Prestige

Citibank Citi Prestige

3.0 from 1 review
Purchase Rate20.99% p.a.
Annual Fee$700 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit : $30,000
  • Maximum Credit Limit : $100,000
  • Rewards Program: Citi Rewards
  • Points Earn Rates : 3 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Sign-Up Bonus : Receive 150,000 Points when you spend $5,000 within the first 90 days of card approval
  • 150,000 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

Sign-Up Bonus Points150,000


Citibank Citi Rewards Classic

Citibank Citi Rewards Classic

4.5 from 2 reviews
Purchase Rate20.99% p.a.
Annual Fee$99 p.a.
Interest Free Period 55 days
  • Benefits: Cashback Offer, Complimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $100,000
  • Rewards Program: Citi Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Reduced First Year Annual Fee : $49
  • Earn Citi Reward Points at a 1 point per dollar earn rate

  • Earn up to $50 cash back on all retail purchases (up to $1,000 spend) in the first 90 days from account approval

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

  • Complimentary Purchase Cover Insurance and Complimentary Guaranteed Pricing Scheme

  • Accessible Minimum Credit Limit of $2,000

  • 1.5% Balance Transfer Fee

  • 3.4% International Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate after 15 months


Citibank Citi Prestige Qantas

Citibank Citi Prestige Qantas

No reviews
Purchase Rate21.49% p.a.
Annual Fee$749 p.a.
Interest Free Period 44 days
  • Benefits: Complimentary Travel Insurance
  • Minimum Credit Limit : $30,000
  • Maximum Credit Limit : $100,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 1.5 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Sign-Up Bonus : Receive 70,000 bonus Qantas Points on your first spend within 90 days from card approval
  • Up to 70,000 bonus Qantas Points on offer

  • Earn up to 1.5 Qantas Points per $1 spent

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

  • Complimentary Airport Transfers, Hotel Stay and Unlimited Lounge Access

  • Complimentary Insurances including International Travel Insurance, Purchase Cover Insurance and Extended Warranty Insurance

  • Add up to 4 Additional Cardholders at no extra cost

  • $749 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

Sign-Up Bonus Points70,000