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Are you a member of or ready to join a frequent flyer program like Qantas Frequent Flyer or Velocity Frequent Flyer? Get a frequent flyer credit card and earn points as you spend, including on everyday expenses. You'll be able to redeem points that you earn on a wide variety of benefits including flights, hotels and transport.
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The best credit card for you is dependent on which travel rewards program you are a member of. Combine our filters and you'll find one that offers you the benefits you need. For example, are you looking for a Qantas credit card with complimentary travel insurance? View your options here.
If aren't a member of any frequent flyer program yet, you might want to consider which features matter the most to you before choosing a card and its accompanying rewards program. If you travel overseas frequently or shop online from global retailers, you may prefer a card with no international transaction fees.
If you're travelling and worried about losing your cards or would simply prefer to carry less with you, consider cards that allow contactless payments through your phone or other devices. If you have an iPhone or Android phone, look for cards that have Apple Pay or Google and Samsung Pay. If you use a wearable device like a Fitbit or Garmin watch, be completely hands free and get a card that has Fitbit Pay or Garmin Pay.
The Rates & Fees group of filters is also useful, as the overall cost of the card will be dependent on various costs such as the Annual Fee and Purchase Rate. As the ability to earn points is considered a feature by financial companies, this often comes at the cost of higher annual fee so make sure you choose one with an annual fee that you're comfortable with.
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Latitude 28 Degrees Global Platinum Mastercard
- Specifications
- Pros & Cons
- Benefits: No Foreign Transaction Fee
- Minimum Credit Limit : $6,000
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
No Annual Fee
No International Transaction Fees
No Currency Conversion Fees
Reviewers complain about fees when paying off the card (e.g. $0.95 BPAY fee)
Website and app experience seen as sub-par
One of the most popular travel cards in Australia, this card has no annual fee and no foreign transaction fees.
Bankwest Zero Platinum MasterCard
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit : $6,000
- Maximum Credit Limit : $50,000
- Minimum Income : $65,000
- Contactless Payments: Apple Pay and Google Pay
$0 Annual Fee
No Foreign Transaction Fees
Complimentary Overseas Travel Insurance
2.99% p.a. on Balance Transfers for the first 9 months
No attached rewards program
Coles Rewards Mastercard
- Specifications
- Pros & Cons
- 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
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
ANZ Rewards Travel Adventures
- Specifications
- Pros & Cons
- 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
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
Bankwest More World Mastercard
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit : $12,000
- Minimum Income : $76,000
- Rewards Program: BankWest More Rewards
- Points Earn Rates : 2.5 points per $1
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
115,000 Bonus Points on offer every anniversary year
Earn 2.5 More Rewards Points per $1 spent on eligible purchases
No Foreign Transaction Fees
Complimentary Travel Insurance and Shopping Insurances
0% on Balance Transfers for the first 6 months
$270 Annual Fee
1% Balance Transfer Fee
Minimum spend of $84,000 on eligible purchases required each anniversary year to receive annual bonus points
Macquarie Bank Platinum - Qantas Rewards
- Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Minimum Income : $50,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay and Google Pay
Bankwest Qantas Platinum Mastercard
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit : $3,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 0.75 points per $1
- Contactless Payments: Apple Pay and Google Pay
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
Bankwest Qantas World Mastercard
- Specifications
- Pros & Cons
- Benefits: No Foreign Transaction Fee
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay and Google Pay
No Foreign Transaction Fees
Earn 1 point per $1 on your first $5,000 spent on eligible purchases per statement period
Complimentary Overseas Travel Insurance
$270 Annual Fee
Points Earn Rate drops to 0.5 points per $1 after the first $5,000 per statement period
Minimum Credit Limit of $12,000 may be too high for you
Macquarie Bank Platinum - Macquarie Rewards
- Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Minimum Income : $50,000
- Rewards Program: Macquarie Rewards
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay and Google Pay
Macquarie Bank Black - Macquarie Rewards
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $15,000
- Minimum Income : $70,000
- Points Earn Rates : 2 points per $1
- Contactless Payments: Apple Pay and Google Pay
No International Transaction Fees
Earn 2 Macquarie Reward Points per $1 spent
0% p.a Balance Transfer for 14 months
Complimentary Insurances, including Overseas Travel Insurance
$99 First Year Annual Fee, then $249 ongoing
Macquarie Bank Black - Qantas Rewards
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance, No Foreign Transaction Fee, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $15,000
- Minimum Income : $70,000
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay and Google Pay
No International Transaction Fees
Earn 1 Qantas Point per $1 spent on eligible purchases
0% p.a Balance Transfer for 14 months
Complimentary Insurances, including Overseas Travel Insurance
$99 First Year Annual Fee, then $299 ongoing
Points Earn Rate drops down to 0.5 Qantas Points per $1 after the first $4,000 per statement period