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Rewards Credit Cards

In an effort to interest more customers, many of the banks and credit card lenders have started offering rewards credit cards. These are becoming quite common as the banks compete with one another. You can actually end up with a very good deal, depending on how the rewards program works. Typically, you can expect a cash back rewards system where you get a set amount of the money you spend each month back as a reward. This is usually done on a percentage basis, such as 5% back on what you spend on your rewards card.

Some rewards credit cards even offer triple rewards or combine other essential features such as a low introductory interest rate or permanent low rates. These cards are very desirable and can help you actually save money simply by using your reward credit card. It is a good idea to go through several offers for a rewards credit card before deciding which one is right for you. There are many different kinds of rewards cards and most people can easily find one that suits them.

Two of the most common rewards are frequent flyer miles or actual cash back on what you spend every month. This can help you lower your overall balance, if you choose one with a cash back policy, or you can a great deal of money on airfare if you are a frequent traveller. You can also find rewards for specific merchandise as well as cards that offer a bulk payment at the end of the year.

Other Types Of Rewards Cards
American Express Platinum Card
American Express Platinum Card
  • Access to dedicated Platinum Travel & Concierge 24 hours a day.
  • Complimentary enrolment in Membership Rewards Ascent where you will earn 1.5 points for every dollar spent up to $200,000 each year. (reverting to 1 point for every dollar spent thereafter)
  • Overseas and Domestic Travel Insurance
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
free days* 51 days* Payment in full each month* $900 p.a* *


Citibank Clear Platinum Card
Citibank Clear Platinum Card
  • 0.99% p.a. on balance transfers for 6 months
  • Low $49 annual fee for the first year only, $99 thereafter.
  • All the features of a low rate card with the added benefits of a platinum card, like; entertainment offers, concierge service, retail discounts, and complementary international travel insurance
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% p.a.* Up to 55 days* 11.49% p.a.* $49 for 1st year* 0.99% p.a. for 6 months*


Citibank Gold Card
Citibank Gold Card
  • 2.9% p.a. on balance transfers for 12 months
  • Up to 55 days interest free
  • Complementary rewards program
  • Complementary international travel insurance
  • Complementary purchase cover insurance
  • Access to Citibank World Privileges
  • Generous credit limit up to $25,000
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% p.a.* Up to 55 days* 20.49% p.a.* $149* 2.9% p.a. for 12 months*


American Express Business Accelerator Credit Card
American Express Business Accelerator Credit Card
  • The American Express Business Accelerator gives you automatic enrolment in our Membership Rewards program Choices option, giving you access to top class shopping and gifts.
  • You can redeem your points for flights with no blackout dates or restrictions, giving you added flexibility and convenience.
  • Your Membership Rewards points can also be used to pay off the balance of the Card4.
  • You'll earn points whether you're using the Basic Card or one of the Supplementary Cards (with no annual Card fee).
  • The Business Savings Program gives you access to great business discounts.
  • The Annual $160 Card Fee is tax deductible if the Card is used solely for business7.
  • Because it's a Credit Card, you can pay for larger purchases by attending to the minimum payment due every month.
  • The Card's interest rate is 18.99% p.a.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
free days* Up to 55 days* 18.99%* $160* no balance transfer option*


Citibank Emirates Credit Card
Citibank Emirates Credit Card
  • Earn 1.5 Skywards Miles per $1 spent
  • Complimentary lounge access in Australia and Dubai and chauffeur-drive service to and from Australian airports
  • 3.9% p.a. for 9 months on balance transfers
  • Low annual fee of $229
  • Free international travel and purchase cover insurance
  • 24/7 Personal Concierge around the world
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% p.a.* Up to 55 days* 20.49% p.a.* $229* 3.9% p.a. for 9 months*


Citibank Silver Card
Citibank Silver Card
  • 2.9% p.a. for 12 months on balance transfers.
  • Up to 55 days interest free on purchases.
  • To reduce the interest paid on the life of balances you transfer.
  • Generous credit limits of up to $7,500.
  • Low annual fees for primary and additional cardholders.
  • Free Rewards program1 with points that never expire and the option of Qantas Frequent Flyer Points.
  • Free purchase cover insurance for lost, stolen or damaged goods.
  • Extra security with a photo card, digital signature and Fraudshield protection.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% p.a.* Up to 55 days* 20.49% p.a.* $89* 2.9% p.a. for 12 months*


American Express Blue Sky Credit Card
American Express Blue Sky Credit Card
  • Fly 365 days a year - book at least 30 days in advance to secure your seats
  • Earn 1 Blue Sky point per $1 spent
  • No points expiry for as long as your account remains current
  • Get 50% Off Blue Sky Flights Until 2010 - book before January 2009
  • Complimentary Domestic and International travel insurance for you and your family
  • A low annual Card fee of $95 p.a.
  • Supplementary Cards at no additional cost.
  • A credit limit of up to $25,000*
  • No interest for up to 55 days on purchases
  • Interest Rate of 19.99%
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 19.99%* $0* *


Woolworths Everyday Money Credit Card
Woolworths Everyday Money Credit Card
  • Bonus $50 shopping card. Apply by 31 March 2010 and make 3 purchases by May 2010
  • No annual fee in the 1st year (and only $49 thereafter)
  • Up to 3 points per $1 spent
  • Earn a Shopping Card every 4 months
  • 5.99% p.a for 6 months on balance transfers
  • CANSTAR CANNEX 5 star Rewards Program rating.
  • Money Magazine - Best Innovative Product
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 Days* 18.74% p.a.* $0 in the 1st year* 5.99% p.a. for 6 months*


American Express Qantas Ultimate Credit Card
American Express Qantas Ultimate Credit Card
  • One domestic Economy return flight between selected Australian capital cities after your first Card spend every year in Australia on selected Qantas services.
  • 1.5 Qantas Frequent Flyer Points for every dollar spent on your Card. You'll also earn 1 additional point for every dollar spent on your Card in Australia on selected Qantas services, with no caps on the number of points you can earn.
  • An annual Card fee of $450 p.a. with Supplementary Cards at no additional cost.
  • An interest rate of 19.99%
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
* * 19.99%* $450 p.a.* *


American Express Rewards Maximiser Credit Card
American Express Rewards Maximiser Credit Card
  • Every dollar spent = 1.5 Membership Rewards points = 1.5 airline rewards points (prior to 1 April 2009). That's 50% more rewards points.
  • 5,000 bonus points on your first $500 spend.
  • Automatic enrolment in Membership Rewards Ascent
  • No points limit or expiry as long as your account remains current
  • Credit limit of up to $25,000 (subject to credit approval criteria)
  • Global Customer Service
  • Online Fraud Protection Guarantee8
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
free days* Up to 55 days* 20.49%* $192* *


American Express Platinum Moneyback Credit Card
American Express Platinum Moneyback Credit Card
  • With 24-hour support and protection, you can call American Express about anything your Card does. Love shopping? You're covered with Refund Protection, Purchase Protection2 and our extensive On-Line Fraud Guarantee3.
  • Supplementary Cards at no additional cost.
  • Earn more MoneyBack using your Card to pay bill instead of other cards or cheques.
  • Apply for a free supplementary Card it all counts to your MoneyBack.
  • The Platinum MoneyBack Credit Card has been designed to give you unlimited MoneyBack for all purchases made on your Card.
  • Exclusive deals and discounts with American Express Selects.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
free days* up to 44 days* 20.49%* $99* *


BP-Citibank Credit Card
BP-Citibank Credit Card
  • Big savings on petrol and purchases from BP
  • Cash back on all other purchases
  • 2.9% p.a. for 12 months on balances transferred
  • 5% off your petrol and everything else you buy at BP
  • Save 0.5% off all other purchases
  • A low rate on all credit card balances transferred
  • Generous credit limit up to $25,000
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% p.a.* Up to 55 days* 20.39% p.a.* $79* 2.9% p.a. for 12 months*


CitiBusiness Gold Card
CitiBusiness Gold Card
  • 2.9% p.a. for 9 months on balance transfers
  • 5,000 bonus Rewards points after your first retail spend
  • Earn 1.25 reward points for every $1 spent on the card
  • Generous credit limit of up to $60,000
  • Complimentary Business Concierge service
  • Complimentary International Travel Insurance
  • Up to 55 days interest free on retail purchases
  • 20.99% p.a. on cash advances
  • $149 annual fee with $30 extra for every supplementary card
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% p.a.* Up to 55 days* 20.49% p.a.* $149* 2.9% p.a. for 9 months*


Citibank Platinum Card
Citibank Platinum Card
  • Special internet offer - receive 20,000 points and fly and airline, anytime
  • Credit limit up to $100,000
  • 4.9% p.a. for the life of balance transfers - Transfer your outstanding balances from other credit or store cards and you'll enjoy a low 4.9% p.a. until you have paid off the entire balance
  • 24/7 Personal Concierge Service - Enjoy the privilege and convenience of a personal concierge service to provide you with information and assistance for both business and pleasure. The service is available from anywhere in the world, 24 hours a day 7 days a week
  • Free international travel insurance - Automatically covers you and your family when you buy your travel tickets with your Citibank Platinum Card. Your cover includes medical and unexpected travel expenses, trip cancellation, personal liability and loss of damage to personal items
  • Personalised rewards program - With Citibank Platinum you'll never be limited by a rewards catalogue
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% p.a.* Up to 55 days* 20.49% p.a.* $250* 4.9% p.a. for life*


St George Platinum Card
St George Platinum Card
  • Low Platinum 15.24% p.a. purchase rate
  • Low $89 Platinum annual fee
  • 3.99% p.a balance transfer rate for up to 6 months
  • Up to 55 interest free days on purchases
  • A full range of complimentary insurances including:
  • Domestic flight inconvenience insurance
  • Overseas travel insurance
  • Transit accident
  • Purchase cover
  • Extended warranty
  • Best price guarantee
  • Personal Concierge Service available 24/7
  • Up to 3 additional cards for your friends or family, with all transactions on one statement
  • Linked access to your other St.George accounts for the ease of one card banking
  • Exclusive Platinum card programs offered by Visa and MasterCard
  • Instant discounts and added extras with St.George Instant Benefits
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 15.24% p.a.* $89* 3.99% p.a for up to 6 months*


ANZ Gold Visa Card
ANZ Gold Visa Card
  • Overseas Travel and Medical Insurance
  • 90-day Purchase Security Insurance
  • $87 annual account fee
  • Up to 55 days interest free credit on purchases
  • Access to ANZ Gold Liberty 24hr global travel service
  • Commission free traveller's cheques when purchased through any ANZ branch in Australia.
  • Full travel benefits
  • Credit limit up to $25,000
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 18.49% p.a.* $87* 7.99% for first 6 months*


Commonwealth Bank Gold Card
Commonwealth Bank Gold Card
  • Earn 1.5 Awards points for every $1 spent with American Express
  • Emergency Travel Assistance for Commonwealth Bank American Express Cards
  • globaleshop by American Express lets you shop at any online store in the US that doesn't normally accept your Australian credit card or won't normally deliver to an Australian address
  • American Express Selects
  • Internet fraud loss protection
  • Secure Internet Shopping
  • Enhanced chip protection with your MasterCard card
  • Emergency card replacement and cash advances
  • Access to MasterCard applause
  • MasterCard Global Service
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% Intro APR* Up to 55 Days* 19.49% p.a.* $144* 5.99% p.a. for 5 months*


Commonwealth Bank Platinum Card
Commonwealth Bank Platinum Card
  • Earn 1.5 Awards points for every $1 spent with American Express
  • Emergency Travel Assistance for Commonwealth Bank American Express Cards
  • globaleshop by American Express lets you shop at any online store in the US that doesn't normally accept your Australian credit card or won't normally deliver to an Australian address
  • American Express Selects
  • Internet fraud loss protection
  • Secure Internet Shopping
  • Enhanced chip protection with your MasterCard card
  • Emergency card replacement and cash advances
  • Access to MasterCard applause
  • MasterCard Global Service
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% Intro APR* Up to 55 Days* 19.49% p.a.* $280* 5.99% p.a. for 5 months*


Commonwealth Bank Awards Card
Commonwealth Bank Awards Card
  • Earn 1.5 Awards points for every $1 spent with American Express
  • Emergency Travel Assistance for Commonwealth Bank American Express Cards
  • globaleshop by American Express lets you shop at any online store in the US that doesn't normally accept your Australian credit card or won't normally deliver to an Australian address
  • American Express Selects
  • Internet fraud loss protection
  • Secure Internet Shopping
  • Enhanced chip protection with your MasterCard card
  • Emergency card replacement and cash advances
  • Access to MasterCard applause
  • MasterCard Global Service
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 19.49% p.a.* $59 * 5.99% p.a. for 5 months*


American Express Gold Choice Credit Card
American Express Gold Choice Credit Card
  • $1 spent = 1 Membership Rewards Choices point. There's no cap or expiry of points as long as your Card account remains current1.
  • Enjoy Complimentary enrollment in Membership Rewards Choices
  • An annual Card fee of only (or just) $49 p.a.
  • Up to 55 days interest free
  • Interest rate of 19.99%
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 55 Days* 19.99%* $49* *


ANZ Visa Rewards Credit Card
ANZ Visa Rewards Credit Card
  • The ability to earn Reward Points at over 24 million locations worldwide, wherever Visa is accepted
  • The chance to redeem Reward Points for rewards as often as every four months
  • The choice of over 500 rewards including cash back and shopping vouchers
  • Up to 55 days interest free credit on your purchases with the Gold card option
  • The advanced security protection of ANZ Falcon which monitors suspicious transactions 24/7
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 44 days* 18.99% p.a.* $48* None*


CUA Gold Rewards MasterCard Credit Card
CUA Gold Rewards MasterCard Credit Card
  • Earn 1 Reward Point for every $1 spent on your card - Giving you more points every time you spend on your card, and with no points expiry, you have all the time you need to make your choice.
  • Superior Rewards Program at no additional cost - Redeem reward points for shopping vouchers, merchandise, hotel stays, petrol vouchers and much more.
  • Generous Credit Limits? - Up to $25,000 on the Gold MasterCard.
  • Low Annual Fee - A low annual fee of just $85 for the CUA Gold MasterCard with Card Services Rewards, with up to 4 additional cards.
  • Complimentary International Travel Insurance on Gold - For you and your family when you buy overseas travel on your CUA Gold MasterCard with Card Services Rewards.
  • Complimentary Purchase Cover - Complimentary insurance on any new items that are lost, stolen or damaged within three months of purchase using your CUA MasterCard with Cards Services Rewards.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 Days* 18.74% p.a.* $85* 2.9% p.a. for 9 months*


ANZ Visa Rewards Gold Credit Card
ANZ Visa Rewards Gold Credit Card
  • Up to 55 days interest free credit on purchases
  • Low annual fee of $57 + $22 Rewards Program Services Fee per card issued on the account
  • 7.99% Balance transfer rate for the first 6 months
  • 18.74% on purchases and 19.99% on cash advances
  • Earn one reward point for every $1.50 spent on purchases (excluding cash equivalent transactions). Maximum spend of $100,000 per card account per calendar year
  • Earn Bonus Reward Points at Bonus Partners Australia-wide - Earn up to three Bonus Reward Points per $1 spent at Bonus Partners Australia-wide.
  • Frequent flyer redemptions
  • ANZ Holiday Rewards - full service travel agent over the phone
  • Commission free travellers cheques
  • Purchase security insurance
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 55 days* 18.99% p.a.* $79* None*


American Express Gold Ascent Credit Card
American Express Gold Ascent Credit Card
  • Rated 5 stars by Canstar Cannex
  • $0 Annual Card Fee
  • $2 spent = 1 Membership Rewards Point
  • 24/7 online account access with online statement available
  • Online Fraud Protection
  • Access hundreds of destinations with our 7 airline rewards partners
  • Fly with Singapore Airlines, Virgin Atlantic & Virgin Blue. Where 1 Membership Rewards point = 1 airline rewards point.
  • Take to the skies with Cathay Pacific, Malaysia Airlines & Thai Airways International. Where 4 Membership Rewards points = 3 airline rewards points.
  • Travel with Air New Zealand Airpoints. Where 100 Membership Rewards points = 1 Airpoints Dollar
  • Enjoy Complimentary enrollment in Membership Rewards Ascent. And earn points for premium rewards.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 44 days* 19.99% p.a.* $0* None*


American Express Qantas Premium Credit Card
American Express Qantas Premium Credit Card
  • Two Qantas Club invitations after your first Card spend every year in Australia on selected Qantas services.
  • Earn 1 Qantas Frequent Flyer point for every dollar spent on your Card. You'll also earn 1 additional point for every dollar spent on your Card in Australia on selected Qantas services, with no caps on the number of points you can earn.
  • An annual Card fee of $195 p.a. for the Qantas American Express Premium Card and $30 p.a. per Supplementary Card.
  • An interest rate of 20.49%
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
* * 20.49%* $249 p.a. * *