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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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American Express Platinum Edge
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Travel Credit
- Minimum Credit Limit : $3,000
- Minimum Income : $50,000
- Rewards Program: American Express Membership Rewards
- Points Earn Rates : 3 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$200 Travel Credit each year
Earn up to 3 Membership Rewards Points per $1
0% p.a. on Balance Transfers for the first 12 months
Complimentary Travel Insurance
Add up to 4 Cards at no additional cost
$195 Annual Fee
1% Balance Transfer Fee
HSBC Platinum
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Introductory Interest Rate
- Minimum Credit Limit : $6,000
- Minimum Income : $40,000
- Rewards Program: HSBC Rewards Plus
- Points Earn Rates : 2 points per $1
- Contactless Payments: Apple Pay and Google Pay
0% p.a. Interest Rate on purchases for the first 12 months
0% p.a. on Balance Transfers for 12 months, 0% Balance Transfer Fee
Refunded $129 Annual Fee if you spend $6,000 or more on purchases each year
Earn up to 2 Rewards Plus Points per dollar
Complimentary Insurances, including Domestic and International Travel Insurance
3% Overseas Exchange Fees
Earning Points capped at 10,000 per statement period
Balance Transfers revert to the high Cash Advance Rate of 21.99% p.a.
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
Citibank Citi Rewards Signature
- Specifications
- Pros & Cons
- 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
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
Qantas Premier Platinum
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Minimum Income : $35,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
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
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
Qantas Premier Everyday
- Specifications
- Pros & Cons
- Benefits: Complimentary 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 Program: Qantas Frequent Flyer
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay and Samsung Pay
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
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
Myer Visa Card
- Specifications
- Pros & Cons
- Benefits: Reduced First Year Annual Fee
- Minimum Credit Limit : $1,000
- Points Earn Rates : 2 points per $1
- Contactless Payments: Apple Pay and Google Pay
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)
Coles Low Rate MasterCard
- Specifications
- Pros & Cons
- Benefits: Introductory Interest Rate
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $60,000
- Minimum Income : $25,000
- Rewards Program: flybuys
- Points Earn Rates : 0.5 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
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
NAB Rewards Platinum
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Rewards Program: NAB Rewards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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
NAB Qantas Rewards Premium
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit : $6,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 3 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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
ING Orange One Platinum
- Specifications
- Pros & Cons
- Benefits: Cashback Offer, Complimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit : $6,000
- Maximum Credit Limit : $30,000
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
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
Woolworths Qantas Platinum
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and Reduced First Year Annual Fee
- Minimum Credit Limit : $6,000
- Minimum Income : $30,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay and Google Pay
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)
Macquarie Bank Platinum · includes 2 listings
- 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 : $6,000
- Minimum Income : $50,000
- Rewards Program: Macquarie Rewards and Qantas Frequent Flyer
- Points Earn Rates : 1 to 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay and Google Pay
0% p.a. balance transfer for 14 months
No international transaction fees
Some Travel and Purchase insurances included
Need to spend ~$3,200 to receive a $20 gift card
St.George Amplify · includes 2 listings
- Specifications
- Pros & Cons
- Benefits: Introductory Interest Rate
- Minimum Credit Limit : $500
- Rewards Program: Amplify Rewards and Qantas Frequent Flyer
- Points Earn Rates : 0.5 to 1 points per $1
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
Introductory Offer: 0% p.a. on purchases for 14 months
Choose between Qantas Frequent Flyer or Amplify points programs
Uncapped points earn rate
3% Foreign Transaction Fee
Kogan Money Black Card
- Specifications
- Pros & Cons
- Minimum Credit Limit : $6,000
- Minimum Income : $35,000
- Points Earn Rates : 1 points per $1
Earn $500 Kogan.com Credit when you apply and spend $500 in the first 30 days from approval
No Annual Fee
0% p.a. for 12 months on Balance Transfers
Complimentary Kogan First Membership
3.4% International Transaction Fee
Reward points can only be redeemed for eligible purchases on Kogan.com, Kogan Mobile or Kogan Internet
Citibank Citi Signature Qantas
- Specifications
- Pros & Cons
- 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
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
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
Bank of Queensland Blue Visa
- Specifications
- Pros & Cons
- Benefits: Cashback Offer and Sign-Up Bonus Points Offer
- Maximum Credit Limit : $10,000
- Minimum Income : $25,000
- Rewards Program: Q Rewards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Samsung Pay
$60 Annual Fee
$120 cash back if you spend $500 per month on retail purchases for the first 3 months
Earn 1 Q Rewards Point for every dollar spent on eligible transactions
0% on Balance Transfers for 6 months
Purchase Cover Insurance and Guaranteed Pricing Scheme
3.4% International Transaction Fee
Balance Transfer Rate reverts to the high Cash Advance Rate of 21.74% p.a. after the promotional period