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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.
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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
American Express Velocity Platinum
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $3,000
- Maximum Credit Limit : $10,000
- Minimum Income : $65,000
- Rewards Program: Velocity Frequent Flyer
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
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
American Express Velocity Escape
- Specifications
- Pros & Cons
- Benefits: Reduced First Year Annual Fee
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $25,000
- Minimum Income : $40,000
- Rewards Program: Velocity Frequent Flyer
- Points Earn Rates : 0.75 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$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
Virgin Australia Velocity Flyer
- Specifications
- Pros & Cons
- 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
Multiple Promotional Offers to choose from (see Details below) if you apply by 02 December 2022
$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
Westpac Altitude Black - Velocity Frequent Flyer Mastercard
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $15,000
- Maximum Credit Limit : $75,000
- Minimum Income : $75,000
- Rewards Program: Velocity Frequent Flyer
- Points Earn Rates : 0.75 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Uncapped points earning
Lounge passes and travel insurance included
Annual fee of $250 + Velocity joining fee
$75,000 minimum income required
Westpac Altitude Platinum - Velocity Frequent Flyer American Express Bundle
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $3,000
- Rewards Program: Velocity Frequent Flyer
- Points Earn Rates : 1 points per $1
- Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
15,000 Bonus Velocity Points when you spend $3,000 within 90 days of card approval
Earn up to 3 points per $1 spent
No Additional Card Fee
3% Currency Conversion Fee
$30 Late Payment Fee
Westpac Altitude Black - Velocity Frequent Flyer American Express Bundle
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $3,000
- Maximum Credit Limit : $75,000
- Minimum Income : $75,000
- Rewards Program: Velocity Frequent Flyer
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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 + Velocity joining fee
$75,000 minimum income required
May be hard to juggle the different rates and conditions of two cards
Westpac Altitude Platinum - Velocity Frequent Flyer Mastercard
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Rewards Program: Velocity Frequent Flyer
- Points Earn Rates : 0.5 points per $1
- Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Receive 60,000 Bonus Velocity Points if you apply by 15 October 2022 and spend $3,000 on eligible purchases in the first 90 days from card approval
Earn 0.5 Velocity Point per $1, uncapped
Complimentary Insurance covers, including Overseas Travel, Purchase Security and Transit Accident Insurance
$200 Annual Fee
3% Foreign Transaction Fee