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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.
66 listings
American Express Velocity Platinum
Sign-Up Bonus Points50,000
- Pros & Cons
- Review Summary
- Specifications
50,000 bonus Velocity Points on offer
Complimentary Virgin Australia return economy domestic flight and lounge passes each anniversary year
Complimentary Travel Insurance
0% p.a. on Balance Transfers for the first 12 months
$375 Annual Fee
1% Balance Transfer Fee
3% International Transaction Fee
- Transparency 4.0 (6)
- Rewards4.1 (9)
- Online Experience4.1 (9)
- Customer Service4.4 (9)
- Rates and Fees3.3 (9)
- Application Process4.6 (9)
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $3,000
- Maximum Credit Limit $10,000
- Minimum Income $65,000
- Rewards ProgramVelocity Frequent Flyer
- Points Earn Rate 1.25 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
- Sign-Up Bonus Receive 50,000 bonus Velocity Points when you spend $3,000 within the first 3 months.
Citibank Citi Premier
Sign-Up Bonus Points120,000
- Pros & Cons
- Review Summary
- Specifications
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
- 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, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Maximum Credit Limit $100,000
- Minimum Income $75,000
- Rewards ProgramCiti Rewards
- Points Earn Rate 2 points per $1
- Contactless PaymentsApple 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
American Express Velocity Escape
- Pros & Cons
- Review Summary
- Specifications
$0 Annual Fee
0% p.a. on Balance Transfers for the 12 months
Earn up to 0.75 Velocity Points per $1 spent, uncapped
1% Balance Transfer Fee
3% Foreign Transaction Fee
- Transparency 4.5 (6)
- Rewards4.0 (6)
- Online Experience4.3 (6)
- Customer Service4.2 (6)
- Rates and Fees4.3 (6)
- Application Process4.5 (6)
- BenefitsReduced First Year Annual Fee
- Minimum Credit Limit $2,000
- Maximum Credit Limit $25,000
- Minimum Income $40,000
- Rewards ProgramVelocity Frequent Flyer
- Points Earn Rate 0.75 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Qantas Premier Everyday
Sign-Up Bonus Points25,000
- Pros & Cons
- Review Summary
- Specifications
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
- Transparency 3.3 (14)
- Rewards3.4 (10)
- Online Experience2.8 (14)
- Customer Service3.1 (13)
- Rates and Fees2.9 (13)
- Application Process3.6 (13)
- BenefitsComplimentary 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 ProgramQantas Frequent Flyer
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple 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
Qantas Premier Platinum
Sign-Up Bonus Points120,000
- Pros & Cons
- Review Summary
- Specifications
Up to 120,000 Bonus Qantas Points on offer if you apply by 26 February 2022
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
- Transparency 2.5 (33)
- Rewards3.4 (22)
- Online Experience2.4 (32)
- Customer Service2.5 (33)
- Rates and Fees2.6 (27)
- Application Process3.0 (29)
- BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit $6,000
- Minimum Income $35,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple 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
Myer Visa Card
- Pros & Cons
- Review Summary
- Specifications
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)
- Transparency 2.3 (6)
- Rewards2.8 (4)
- Online Experience2.0 (6)
- Customer Service2.0 (6)
- Rates and Fees2.2 (6)
- Application Process3.0 (4)
- BenefitsReduced First Year Annual Fee
- Minimum Credit Limit $1,000
- Points Earn Rate 2 points per $1
- Contactless PaymentsApple Pay and Google Pay
- Reduced First Year Annual Fee $0
ANZ Frequent Flyer Black
Sign-Up Bonus Points120,000
- Pros & Cons
- Review Summary
- Specifications
100,000 Bonus Qantas Points and $200 cashback on offer
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 3.1 (7)
- Rewards3.6 (9)
- Online Experience2.9 (9)
- Customer Service3.0 (8)
- Rates and Fees2.4 (8)
- Application Process2.9 (8)
- BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $15,000
- Minimum Income $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
Coles Low Rate MasterCard
- Pros & Cons
- Review Summary
- Specifications
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
- Transparency 3.1 (54)
- Rewards3.4 (36)
- Online Experience2.9 (54)
- Customer Service2.6 (60)
- Rates and Fees3.2 (56)
- Application Process3.5 (52)
- BenefitsIntroductory Interest Rate
- Minimum Credit Limit $2,000
- Maximum Credit Limit $60,000
- Minimum Income $25,000
- Rewards Programflybuys
- Points Earn Rate 0.5 points per $1
- Contactless PaymentsApple Pay and Samsung Pay
- Introductory Rate 0% p.a. for the first 12 months
NAB Rewards Platinum
Sign-Up Bonus Points60,000
- Pros & Cons
- Review Summary
- Specifications
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
- Transparency 2.8 (8)
- Rewards3.6 (9)
- Online Experience3.0 (8)
- Customer Service2.8 (9)
- Rates and Fees2.9 (9)
- Application Process3.3 (8)
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $6,000
- Rewards ProgramNAB Rewards
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple 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
NAB Qantas Rewards Premium
Sign-Up Bonus Points30,000
- Pros & Cons
- Review Summary
- Specifications
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
- Transparency 3.2 (6)
- Rewards2.7 (6)
- Online Experience3.3 (6)
- Customer Service2.8 (6)
- Rates and Fees2.6 (5)
- Application Process3.3 (6)
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $6,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 3 points per $1
- Contactless PaymentsApple 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
ING Orange One Platinum
- Pros & Cons
- Review Summary
- Specifications
Up to $30 per month cashback on your spend
No International Transaction Fees (Rebate if you meet requirements)
$149 Annual Fee
Foreign Currency Conversion Fee Rebate Requirememt: Deposit at least $1,000 to any personal ING account (excluding Living Super and Orange One) and make at least 5 card purchases that are settled using your ING credit card each month
- Transparency 4.0 (6)
- Rewards2.3 (4)
- Online Experience3.9 (7)
- Customer Service3.9 (7)
- Rates and Fees4.1 (7)
- Application Process3.7 (6)
- BenefitsCashback Offer, Complimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit $6,000
- Maximum Credit Limit $30,000
- Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Woolworths Qantas Platinum
- Pros & Cons
- Specifications
Stack the QFF points earned with this card with normal Woolworths Rewards points
0% balance transfer rate for 14 months
10% off one shop at Woolworths each month
Relatively high ongoing annual fee ($169)
- BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
- Minimum Credit Limit $6,000
- Minimum Income $30,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay and Google Pay
- Reduced First Year Annual Fee $99
Bankwest More World Mastercard
- Pros & Cons
- Review Summary
- Specifications
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
- Transparency 5.0 (1)
- Rewards5.0 (1)
- Online Experience5.0 (1)
- Customer Service5.0 (1)
- Rates and Fees5.0 (1)
- Application Process5.0 (1)
- BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit $12,000
- Minimum Income $76,000
- Rewards ProgramBankWest More Rewards
- Points Earn Rate 2.5 points per $1
- Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Westpac Altitude Black - Qantas Frequent Flyer American Express Bundle
Sign-Up Bonus Points20,000
- Pros & Cons
- Review Summary
- Specifications
Receive both a Westpac Altitude Black Mastercard and an American Express Westpac Altitude Black Card
Uncapped points earning
Lounge passes and travel insurance included
Total annual fee of $449 + QFF joining fee
$75,000 minimum income required
May be hard to juggle the different rates and conditions of two cards
- Transparency 4.3 (8)
- Rewards4.3 (7)
- Online Experience3.9 (7)
- Customer Service4.0 (8)
- Rates and Fees2.9 (7)
- Application Process4.3 (8)
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $3,000
- Maximum Credit Limit $75,000
- Minimum Income $75,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1.25 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Sign-Up Bonus Receive 20,000 bonus Qantas Points when spend $3,000 on eligible purchases within 90 days of Card approval.
- Reduced First Year Annual Fee $250
Is part of...
Westpac Altitude Black · includes 6 listings
NAB Qantas Rewards Signature
Sign-Up Bonus Points120,000
- Pros & Cons
- Review Summary
- Specifications
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
- Transparency 4.0 (2)
- Rewards4.5 (2)
- Online Experience4.0 (2)
- Customer Service3.5 (2)
- Rates and Fees3.0 (1)
- Application Process4.0 (2)
- BenefitsReduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit $15,000
- 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 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)
- Reduced First Year Annual Fee $295
Macquarie Bank Platinum - Qantas Rewards
Sign-Up Bonus Points20,000
- Specifications
- BenefitsComplimentary 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 ProgramQantas Frequent Flyer
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay and Google Pay
- Sign-Up Bonus Receive 20,000 bonus Qantas Points when you spend $2,000 on eligible purchases within 60 days of approval.
- Reduced First Year Annual Fee $99
Is part of...
Macquarie Bank Platinum · includes 2 listings
Qantas American Express Premium
Sign-Up Bonus Points30,000
- Pros & Cons
- Specifications
30,000 bonus Qantas Points on offer
Earn up to 1 Qantas Point for every $1 spent
0% on Balance Transfers for the first 12 months
$249 Annual Fee
1% Balance Transfer Fee
3% Foreign Transaction Fee
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $2,000
- Maximum Credit Limit $50,000
- Minimum Income $40,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
- Sign-Up Bonus Receive 30,000 bonus Qantas Points when you spend $3,000 with the first 3 months of card approval.
Citibank Citi Signature Qantas
Sign-Up Bonus Points150,000
- Pros & Cons
- Review Summary
- Specifications
Up to 150,000 Bonus Qantas Points on offer
No 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
- Transparency 4.3 (6)
- Rewards4.7 (3)
- Online Experience4.5 (6)
- Customer Service4.3 (6)
- Rates and Fees3.8 (5)
- Application Process4.3 (6)
- BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit $15,000
- Maximum Credit Limit $100,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple 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
ANZ Rewards Black
Sign-Up Bonus Points100,000
- Pros & Cons
- Review Summary
- Specifications
100,000 bonus Reward Points and $100 back to your new ANZ Rewards Black 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 $15,000
- Minimum Income $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 100,000 points when you spend $4000 in the first 3 months and $100 back to your ANZ Rewards Black
NAB Rewards Signature
Sign-Up Bonus Points120,000
- Pros & Cons
- Review Summary
- Specifications
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
- Transparency 4.0 (2)
- Rewards4.0 (2)
- Online Experience5.0 (2)
- Customer Service5.0 (2)
- Rates and Fees4.0 (2)
- Application Process4.0 (2)
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $15,000
- Rewards ProgramNAB Rewards
- Points Earn Rate 1.25 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Sign-Up Bonus Receive 120,000 Bonus Points (90,000 points when you spend $3,000 within 60 days of card approval and 30,000 points when you keep your card for over 12 months)