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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.
82 listings
Heritage Classic Rewards
- Pros & Cons
- Specifications
$55 Annual Fee (waived when you spend at least $25,000 per annum on Visa Purchases)
Accessible Minimum Credit Limit of $1,000
Earn 1 Heritage Credit for every $1,300 spend per calendar month
- Minimum Credit Limit $1,000
- Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
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
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.
Bank of Queensland Platinum Visa
Sign-Up Bonus Points1,000
- Pros & Cons
- Review Summary
- Specifications
$0 Annual Fee in your first year
1,000 Bonus Q Rewards points every month when you spend $1,000 per month on eligible transactions for the first 12 months
Earn 2 Q Rewards credit card points for every $1 spent
0% p.a. on Balance Transfers for 12 months
Complimentary Travel Insurance
$129 Annual Fee after your first year
3.4% International Transaction Fee
- Transparency 4.7 (3)
- Rewards3.0 (3)
- Online Experience4.7 (3)
- Customer Service4.3 (3)
- Rates and Fees4.0 (3)
- Application Process5.0 (2)
- BenefitsReduced First Year Annual Fee
- Rewards ProgramQ Rewards
- Points Earn Rate 2 points per $1
- Contactless PaymentsGoogle Pay and Samsung Pay
- Sign-Up Bonus 1,000 Bonus Q Rewards Points every month when you spend $1,000 per month on eligible transactions for the first 12 months
- Reduced First Year Annual Fee $0
St.George Amplify Platinum · includes 2 listings
Sign-Up Bonus Points60,000 to 100,000
- Pros & Cons
- Review Summary
- Specifications
100,000 Bonus Amplify Points or 60,000 Bonus Qantas Points on offer
Earn 1 Amplify Point or 0.5 Qantas Points per $1 spent on eligible purchases
Complimentary Travel Insurance and Extended Warranty Insurance
0% for 6 months on Balance Transfers & No Balance Transfer Fee
$99 Annual Card Fee
3% Overseas Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate after the first 6 months
- Transparency 4.0 (1)
- Rewards5.0 (1)
- Online Experience5.0 (1)
- Customer Service4.0 (1)
- Rates and Fees4.0 (1)
- Application Process3.0 (1)
- BenefitsSign-Up Bonus Points Offer
- Minimum Credit Limit $6,000
- Rewards ProgramAmplify Rewards and Qantas Frequent Flyer
- Points Earn Rate 0.5 to 1 points per $1
- Contactless PaymentsGoogle Pay and Samsung Pay
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)
BankWest More Platinum MasterCard
- Pros & Cons
- Review Summary
- Specifications
Earn 75,000 Annual Bonus Points every year
Earn 2 points per $1 spent on eligible purchases
No Foreign Transaction Fees
Complimentary Travel and Shopping Insurances
0% p.a. on Balance Transfers for the first 6 months
$160 Annual Fee
Minimum $48,000 spend required each anniversary year to receive Bonus Points
1% Balance Transfer Fee
- Transparency 3.1 (7)
- Rewards3.5 (6)
- Online Experience4.0 (7)
- Customer Service3.6 (8)
- Rates and Fees3.5 (8)
- Application Process4.3 (7)
- BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit $6,000
- Maximum Credit Limit $50,000
- Minimum Income $65,000
- Rewards ProgramBankWest More Rewards
- Points Earn Rate 2 points per $1
- Contactless PaymentsApple Pay
Bankwest Qantas Platinum Mastercard
- Pros & Cons
- Review Summary
- Specifications
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
- Transparency 2.5 (2)
- Rewards3.0 (2)
- Online Experience3.0 (2)
- Customer Service3.0 (2)
- Rates and Fees3.0 (2)
- Application Process4.0 (2)
- BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit $3,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 0.75 points per $1
- Contactless PaymentsApple Pay and Google Pay
ANZ Rewards Platinum
Sign-Up Bonus Points50,000
- Pros & Cons
- Review Summary
- Specifications
50,000 Bonus Reward Points and $50 back to your new ANZ Rewards Platinum on offer
Earn 1.5 Reward Points per $1 spen on eligible purchases up to $2,000 per statement period
Complimentary Travel and Shopping Insurances, including Overseas Travel and Medical Insurance
$95 Annual Fee
3% Foreign Transaction Fee
Points Earn Rate drops to 0.5 Reward Points per $1 spent after the first $2,000 per statement period
- Transparency 4.5 (2)
- Rewards4.0 (2)
- Online Experience4.0 (2)
- Customer Service4.5 (2)
- Rates and Fees4.0 (2)
- Application Process4.5 (2)
- BenefitsCashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $6,000
- Minimum Income $35,000
- Rewards ProgramANZ Rewards
- Points Earn Rate 1.5 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Sign-Up Bonus Receive 50,000 bonus Rewards Points and $50 cashback when you spend $2,000 in the first 3 months from approval
Suncorp Clear Options Platinum
- Pros & Cons
- Review Summary
- Specifications
Discounted $49 Annual Fee for your first year ($129 thereafter)
0% p.a. for 14 months on Balance Transfers
Earn 1.25 Rewards points per dollar spent
Complimentary International Travel Insurance and Extended Warranty Insurance
3.4% International Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate of 21.99% after 14 months
- Transparency 3.3 (6)
- Rewards3.5 (6)
- Online Experience3.0 (6)
- Customer Service3.2 (6)
- Rates and Fees2.9 (7)
- Application Process3.0 (6)
- BenefitsComplimentary Travel Insurance, Introductory Interest Rate and Reduced First Year Annual Fee
- Minimum Credit Limit $6,000
- Maximum Credit Limit $30,000
- Rewards ProgramSuncorp Rewards
- Points Earn Rate 1.25 points per $1
- Contactless PaymentsApple Pay, Google Pay and Samsung Pay
- Introductory Rate 0% p.a. for 14 months on Purchases
- Reduced First Year Annual Fee $49
HSBC Premier World Mastercard · includes 2 listings
- Pros & Cons
- Review Summary
- Specifications
$0 Annual Fee ($99 if you choose Qantas Rewards)
Earn up to 1.5 HSBC Rewards Points or 1 Qantas Point per $1 spent on eligible purchases
Complimentary Insurance Benefits, including Domestic and International Travel Insurance with rental vehicle excess cover
2% Overseas Exchange Fees
Points capped at 10,000 per statement period
Minimum Credit Limit of $15,000 may be too high for you
- Transparency 4.0 (1)
- Rewards3.0 (1)
- Online Experience4.0 (1)
- Customer Service4.0 (1)
- Rates and Fees3.0 (1)
- Application Process4.0 (1)
- BenefitsComplimentary Travel Insurance
- Minimum Credit Limit $15,000
- Rewards ProgramHSBC Rewards Plus
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay and Google Pay
Westpac Altitude Business Gold
Sign-Up Bonus Points60,000
- Pros & Cons
- Specifications
0% Annual Card Fee for the first year
Earn up to 1 Altitude Point per $1 spent on eligible business purchases
Complimentary Business Inconvenience Insurance and Unauthorised Transaction Insurance
Complimentary Travel and Purchase-related Insurances
$150 Annual Card Fee after the first year
3% Foreign Transaction Fee
- BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
- Minimum Income $30,000
- Rewards ProgramQantas Frequent Flyer and Westpac Altitude Rewards
- Points Earn Rate 1 points per $1
- Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Sign-Up Bonus Receive 60,000 bonus Altitude Points when you spend $3,000 on eligible purchases within 90 days of card approval.
- Reduced First Year Annual Fee $0
BankWest More Classic MasterCard
- Pros & Cons
- Review Summary
- Specifications
Earn 19.5k Annual Bonus Points every year
Earn 1.5 Rewards Points per $1 spent on eligible purchases
0% p.a. on Balance Transfers for the first 6 months
Accessible Minimim Credit Limit of $1,000
$100 Annual Fee
2.95% Foreign Transaction Fee
Minimum $24,000 spend required each anniversary year to receive Bonus Points
- Transparency 3.0 (1)
- Online Experience4.0 (1)
- Customer Service5.0 (1)
- Rates and Fees4.0 (1)
- Application Process5.0 (1)
- BenefitsCashback Offer
- Minimum Credit Limit $1,000
- Maximum Credit Limit $25,000
- Minimum Income $19,000
- Rewards ProgramBankWest More Rewards
- Points Earn Rate 1.5 points per $1
- Contactless PaymentsApple Pay
NAB Qantas Rewards
- Pros & Cons
- Review Summary
- Specifications
0% on Balance Transfers for 6 months
Earn 0.5 Qantas Points per $1 & Free Qantas Frequent Flyer Membership
Complimentary Purchase Protection Insurance
Accessible Minimum Credit Limit of $500
$95 Annual Card Fee
2% Balance Transfer Fee
3% Foreign Transaction Fee
- Transparency 5.0 (2)
- Rewards3.5 (2)
- Online Experience5.0 (1)
- Customer Service5.0 (2)
- Rates and Fees4.5 (2)
- Application Process4.0 (1)
- Minimum Credit Limit $500
- Maximum Credit Limit $55,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 0.5 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Suncorp Clear Options Gold
- Pros & Cons
- Specifications
Earn 1 Reward Point per dollar spent up to $1,500 per month
Add up to four additional cardholders for no extra cost
3.40% International Transaction Fee
Points Earn Rate drops to 0.5 points per $1 spent after the first $1,500 per month
- Minimum Credit Limit $5,000
- Maximum Credit Limit $25,000
- Minimum Income $30,000
- Rewards ProgramSuncorp Rewards
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay, Google Pay and Samsung Pay
NAB Rewards Classic
Sign-Up Bonus Points30,000
- Pros & Cons
- Review Summary
- Specifications
30,000 NAB Rewards Bonus Points on offer
Earn up to 2.25 Points per dollar
Complimentary Purchase Protection Insurance
$95 Annual Card Fee
2% Balance Transfer Fee
Accessible Minimum Credit Limit of $500
- Transparency 4.0 (2)
- Rewards2.5 (2)
- Online Experience4.5 (2)
- Customer Service4.0 (2)
- Rates and Fees3.0 (2)
- Application Process4.0 (2)
- BenefitsSign-Up Bonus Points Offer
- Minimum Credit Limit $500
- Rewards ProgramNAB Rewards
- Points Earn Rate 0.75 points per $1
- Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
- Sign-Up Bonus 30,000 Bonus Points when you spend $500 within 60 days of account opening.
HSBC Platinum Qantas
- Pros & Cons
- Review Summary
- Specifications
$0 Annual Fee in the first year ($79 in subsequent years)
0% p.a. Balance Transfer for 12 months
Earn 1 Qantas point per $1 spent up to $2,500 per statement period on eligible purchases
Complimentary Insurance Benefits
3% Overseas Exchange fee
Points Earn Rate drops to 0.5 Qantas Points per $1 spent after the first $2,500 per statement period
- Transparency 2.0 (3)
- Rewards4.0 (2)
- Online Experience2.4 (5)
- Customer Service3.0 (4)
- Rates and Fees3.5 (4)
- Application Process3.0 (4)
- BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
- Minimum Credit Limit $6,000
- Maximum Credit Limit $60,000
- Minimum Income $40,000
- Rewards ProgramQantas Frequent Flyer
- Points Earn Rate 1 points per $1
- Contactless PaymentsApple Pay
- Reduced First Year Annual Fee $0
Citibank Citi Prestige
Sign-Up Bonus Points150,000
- Pros & Cons
- Review Summary
- Specifications
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
- Transparency 1.0 (1)
- Rewards3.0 (1)
- Online Experience1.0 (1)
- Customer Service1.0 (1)
- Rates and Fees4.0 (1)
- Application Process1.0 (1)
- BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
- Minimum Credit Limit $30,000
- Maximum Credit Limit $100,000
- Rewards ProgramCiti Rewards
- Points Earn Rate 3 points per $1
- Contactless PaymentsApple Pay and Samsung Pay
- Sign-Up Bonus Receive 150,000 Points when you spend $5,000 within the first 90 days of card approval