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Rewards Credit Cards
In an effort to interest more customers, many credit card companies have started offering rewards credit cards. These are becoming quite common as these companies 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 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* |
|
| 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 |
|
- Low Interest rate of 10.99% p.a. on purchases
- 0% p.a. for 6 months on balance transfers
- Premium servicing and your own VISA Concierge
- Free International Travel Insurance
- Free purchase cover and extended warranty
- Apply online now or read more
|
| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% Intro APR* |
Up to 55 Days* |
10.99% p.a.* |
$85* |
0% p.a. for 6 months* |
|
| Citibank Silver Card |
|
- 2.9% 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% intro APR* |
Up to 55 days* |
19.99% p.a.* |
$69* |
2.9% for 12 months* |
|
| Citibank Gold Card |
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- Free International Travel Insurance
- Automatic FREE access to a superior Rewards Program
- Access to Citibank World Privileges
- 90 Days Purchase Cover
- Generous credit limit up to $25,000
- Up to 55 Days Interest-free on retail purchases
- FRAUD SHIELD
- 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%p.a.* |
$119* |
2.9%p.a. for 12 months* |
|
| Velocity NAB Credit Card |
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- The Velocity NAB Credit Card can earn you Velocity Points on your everyday spend1
- Each Velocity NAB card account has 2 cards: a Velocity NAB American Express Card and a Velocity NAB Visa card
- Enjoy the benefits of two cards with only one annual card fee, one statement, and one monthly payment
- Available as a Gold card account or Standard card account
- No cap or expiry on your Velocity Points3
- Remember your two cards have different point earning rates. By using your Velocity NAB Gold American Express Card you will earn maximum Velocity Points
- 0% p.a. for 6 months4 (Limited time only)
- Add an additional cardholder at no extra cost5
- Apply online now or read more
|
| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% intro APR* |
up to 44 days* |
17.99% p.a.* |
$65* |
3.99% p.a. for up to 6 months* |
|
| 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% intro APR* |
Up to 55 Days* |
19.99%* |
$0* |
* |
|
| American Express Qantas Ultimate Credit Card |
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- 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 $395 p.a. with Supplementary Cards at no additional cost.
- 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%* |
$395 p.a.* |
* |
|
| Woolworths Everyday Money Credit Card |
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- 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
- Apply online now or read more
|
| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| free days* |
Up to 55 Days* |
17.99% p.a.* |
$0 in the 1st year* |
5.99% p.a. for 6 months* |
|
| American Express Rewards Maximiser Credit Card |
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- 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* |
* |
|
| NAB Qantas Gold Card |
|
- Earn Qantas Frequent Flyer points on everyday purchases
- One annual card fee
- One monthly statement and one monthly payment
- One interest rate
- One credit limit
- Complimentary Insurance
- Apply online now or read more
|
| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| free days* |
up to 44 days* |
17.99%* |
$145.50* |
6.99% p.a. for up to 6 months* |
|
| NAB Qantas Platinum Card |
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- With no cap on the number of points you can earn, your points earning power is unlimited!
- Complimentary Insurance
- NAB Platinum Concierge
- One annual card fee
- One monthly statement and one monthly payment
- One interest rate
- One credit limit
- Apply online now or read more
|
| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| free days* |
up to 44 days* |
17.99%* |
$290.00* |
* |
|
| American Express Platinum Moneyback Credit Card |
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- 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* |
* |
|
| CitiBusiness Gold Card |
|
- 7.99%p.a. for 6 months on balance transfers
- Credit limit suitable for your business
- Earn 1.25 points for every $1 you spend and no expiry
- Personalised rewards program - limited only by your imagination. Redeem your points for something for your business or reward yourself
- The convenience of our complimentary business concierge to provide you with information and assistance from anywhere in the world, 24 hours a day, 7 days a week
- Free international travel insurance
- Up to 99 additional cards
- Apply online now or read more
|
| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% Intro APR* |
Up to 55 days interest-free* |
19.99% p.a.* |
$130* |
7.99%p.a. for 6 months* |
|
| Citibank Platinum Card |
|
- Credit limit up to $100,000.
- 4.9% p.a. on 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% intro APR* |
up to 55 days* |
10.99% p.a.* |
$250* |
4.9% p.a. on the life of balance* |
|
| St George Platinum Card |
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- Low Platinum 14.25% 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% intro APR* |
Up to 55 Days* |
14.25% p.a.* |
$89* |
3.99% p.a for up to 6 months* |
|
| 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* |
17.49% p.a* |
$87* |
7.99% for first 6 months* |
|
| Commonwealth Bank Gold Card |
|
- 18.99% p.a. on purchases and 19.99% cash advances
- Up to 55 days interest free
- $114 annual fee
- Balance transfer rate 5.99% p.a. for 5 months
- Issued with chip for extra security
- Additional cardholder for $15
- Reward yourself with the Commonwealth Bank Gold credit card. Apply online today
- Apply online now or read more
|
| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% Intro APR* |
Up to 55 Days* |
18.99% p.a.* |
$114* |
5.99% p.a. for 5 months* |
|
| Commonwealth Bank Platinum Card |
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- 18.99% p.a. on purchases and 19.99% cash advances
- Up to 55 days interest free
- $200 annual fee
- Balance transfer rate 5.99% p.a. for 5 months
- Personal concierge service - just one phone call away
- Issued with chip for extra security
- Apply for a Platinum credit card with Commonwealth Bank and receive exceptional reward
- Additional cardholder for $15
- Apply online now or read more
|
| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% Intro APR* |
Up to 55 Days* |
18.99% p.a.* |
$200* |
5.99% p.a. for 5 months* |
|
| Commonwealth Bank Awards Card |
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- 18.99% p.a. on purchases and 19.99% cash advances
- Up to 55 days interest free
- $59 annual fee
- Balance transfer rate 5.99% p.a. for 5 months
- Issued with chip for extra security
- Global access - over 24 million locations
- Commonwealth Awards program - Keep rewarding yourself with the Awards credit card from Commonwealth Bank. Apply now
- Online security guarantee
- Additional cardholder for $15
- Apply online now or read more
|
| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% intro APR* |
Up to 55 Days* |
18.99% p.a.* |
$59 * |
5.99% p.a. for 5 months* |
|
| 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* |
* |
|
| Emirates Citi Platinum Card |
|
- Earn 1.5 Skywards Miles per $1 spent
- Get 5,000 bonus miles when you activate your card
- Complimentary lounge access in Australia and Dubai and chauffeur-drive service to and from Australian airports
- 3.9% p.a. on balance transfers for life
- Low annual fee of $199
- 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% Intro APR* |
Up to 55 Days* |
19.99% p.a.* |
$199* |
4.9%p.a. for life of the balance* |
|
| NAB Standard Credit Card |
|
- Low annual card fee of $30
- Link to your FlyBuys membership2 at no additional cost and earn points towards a great range of awards
- Up to 44 days interest free on purchases3
- Additional cardholder at no extra cost4
- Emergency travel assistance 24 hours a day, 7 days a week5
- Available as NAB Visa Classic or NAB MasterCard
- Apply online now or read more
|
| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% intro APR* |
up to 44 days* |
17.89% p.a.* |
$30* |
n/a* |
|
| NAB Gold Card |
|
- Special insurances for Gold cardholders including complimentary National Gold Overseas Travel Insurance
- Up to 44 days interest free on purchases1
- Link to your FlyBuys membership at no extra cost2
- Additional cardholder at no extra cost3
- Emergency travel assistance 24 hours a day, 7 days a week4
- Available as a NAB Visa Gold Card or a NAB Gold MasterCard
- Apply online now or read more
|
| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% intro APR* |
up to 44 days* |
17.89% p.a.* |
$90* |
n/a* |
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| ANZ Visa Rewards Credit Card |
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- 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| 0% Intro APR* |
up to 44 days* |
17.99% p.a* |
$48* |
* |
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| 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 |
| * |
* |
19.89% p.a.* |
$79* |
2.9% p.a.* |
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| American Express Qantas Premium Credit Card |
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- 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
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| Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Balance Transfers |
| * |
* |
20.49%* |
$249 p.a. * |
* |
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