Rewards Credit Cards | Compare Bonuses & Earn Rates Etc.

Rewards Credit Cards

Earn points as you spend to get free flights, upgrades, free gifts, shopping vouchers, cash back and more with rewards cards.

2 reviews
Get 55,000 bonus Qantas Points when you apply by online, are approved and spend $3,000 within the first 3 months. New Card Members only.
Earn 1.25 Qantas Points for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent.
$450 Qantas Travel Credit each year. (Conditions Apply)
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$5,000
 
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earn rate
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Points earned
HSBC Platinum Credit Card Balance Transfer Offer
Apply by 30 sep 20
0% p.a. on balances transferred for 22 months, with no balance transfer fee.
$129 p.a. annual fee which is refundable each year when you spend $6,000 on eligible purchases.*
Earn 2 pts per $1 spent on overseas purchases.
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Rewards Plus
Rewards Plus
1 pt
per $1 spent capped
-
Receive 150,000 points with your new ANZ Rewards Black card (terms and conditions apply).
Free International Travel Insurance.
Eligibility criteria, T&Cs, fees and charges apply.
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ANZ Rewards
ANZ Rewards
1 pt
per $1 spent
150,000
points
after spend criteria
Get 55,000 bonus Qantas Points when you apply by online, are approved and spend $3,000 within the first 3 months. New Card Members only.
Earn 1.25 Qantas Points for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent.
$450 Qantas Travel Credit each year. (Conditions Apply)
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Qantas Frequent Flyer
Qantas Frequent Flyer
1.25 pts
per $1 spent
55,000
points
after spend criteria
St.George Amplify Signature Credit Card (Amplify)
Apply by 30 sep 20
4 reviews
Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12,000 on eligible purchases each year.
Boost your Amplify account with 1.5 points per $1 you spend.
Reduced annual fee of $139 in the first year, currently saving you $140.
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Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
1.5 pts
per $1 spent (Amplify)
200,000
points
after spend criteria
ANZ Rewards Platinum Credit Card
Receive 100,000 points with your new ANZ Rewards Platinum card (terms and conditions apply).
A range of complimentary insurances for travel and purchases.
Earn ANZ Rewards Points on everyday purchases.
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ANZ Rewards
ANZ Rewards
1.5 pts
per $1 spent
up to $2,000
then 0.5 pts
per statement period
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100,000
points
after spend criteria
Get 50,000 Membership Rewards points when you apply online, are approved and spend $3,000 in the first 3 months. New Card Members only.
Receive a $400 Travel Credit each year towards any flights, hotels and car hire when you book online with this card.
T&Cs and eligibility criteria apply. Available to new card members only.
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Membership Rewards Gateway
Membership Rewards Gateway
2 pts
per $1 spent
50,000
points
after spend criteria
Transfers to 25,000
Velocity points
Get 80,000 Membership Rewards points when you apply, are approved, and meet the minimum spend criteria of $3,000 in the first 3 months. Available to new Card Members only.
Receive a $450 Platinum Travel Credit each year, which can be redeemed for flights, hotels or car hire.
Complimentary access for you and a guest to over 1,200 Airport lounges across 130 countries.
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Membership Rewards Ascent Premium
Membership Rewards Ascent Premium
2.25 pts
per $1 spent
80,000
points
after spend criteria
Transfers to 80,000
Velocity points
Start your holiday with a $200 Travel Credit every year.
Range of travel insurances including overseas medical emergency expenses, travel cancellation cover and more.
Earn 3 Membership Rewards points per dollar spent at major supermarkets and petrol stations.
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Membership Rewards
Membership Rewards
1 pt
per $1 spent
-
Receive 50,000 points with your new ANZ Rewards card (terms and conditions apply).
An easy to manage credit limit from $1,000.
Earn ANZ Rewards Points on everyday purchases.
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ANZ Rewards
ANZ Rewards
1 pt
per $1 spent
50,000
points
after spend criteria
Uncapped points-earning potential.
Up to 12 months of extended warranty insurance and 3 months purchase security insurance (conditions apply).
Enjoy complimentary insurances along with this card including overseas travel insurance for you and family members travelling with you.
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Qantas Frequent Flyer
Qantas Frequent Flyer
1 pt
per $1 spent
up to $5,000
then 0.5 pts
per statement period
More info
-
Uncapped points-earning potential.
Up to 12 months of extended warranty insurance and 3 months purchase security insurance (conditions apply).
Enjoy complimentary insurances along with this card including overseas travel insurance for you and family members travelling with you.
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Qantas Frequent Flyer
Qantas Frequent Flyer
0.75 pts
per $1 spent
up to $2,500
then 0.3 pts
per statement period
More info
-
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Q&As about Rewards Credit Cards from customers

Is this the right card for me?

If you travel a lot, for business or pleasure, you’ll be spending enough on flights and hotels and other things to earn good points toward more flights and hotel stays. Keep in mind that not all reward points programs give you the option of redeeming points for travel, but most do. On the other hand, if you’re spending more than, say, $2,000 per month, you’ll be able to earn good points whether you travel or not. If you don’t use a credit card often, you won’t be earning many points unless you’re happy to change your lifestyle and use your credit card for everything, making sure you pay back the balance on time each month of course.

Am I eligible to get one?

To qualify, you’ll need to be over 18 and an Australian resident. If you have a poor credit rating, or your income is very low, you might have trouble getting approval for a new rewards credit card and the rejection could damage your credit rating, so be careful.

What types of rewards are available?

There are a host of programs with which you can redeem your points for flights. Make sure you check whether they’re just redeemable with specific airlines, like Qantas or Virgin, or whether you can choose between a good selection of reputable airlines.

Other cards allow you to redeem points for things like hotel stays. Sometimes you have to book through certain partner travel agencies or with certain hotel brands, so check to see how much freedom you actually have. If you’re a traveler, you might also want to check if you get complimentary travel insurance included in the features of the card.

If travel isn’t your thing, you’ll be looking for other ways to redeem points. Many programs have online stores where you can purchase a range of products and merchandise – everything from watches, to technical gadgets, to cologne. Have a look at the store before you sign up and make sure they sell things you’d actually want or need and that items are a good deal.

Fourthly, you can redeem points for gift cards or cash back. Sometimes it is more efficient to do one rather than the other so you want to read the fine print.

How can you tell a good rewards program from a bad one?

There are several factors to consider:

Points are not equal across programs: You usually earn 1 point per $1 spent, but sometimes this goes as high as 3 points. But a point with one program is not equivalent to a point with another program – it depends on what those points actually buy.

Points capping, points expiration: Most programs limit the amount of points you can earn in, say, a year. For the big spender particularly, this can be limiting and frustrating. Secondly, some points expire. This is a frustration for the lower spender who might take a while to build up enough points to get anything of real value. Both capping and expiry information will be found in the small print of the program.

Annual fees and interest rates – You should see whether there are annual or start up fees involved in signing up for the reward program and for the credit card. In addition, rewards points credit cards often come with both higher fees and interest rates.

Flexibility – Some cards only allow points for flights on one airline; others allow users to exchange them for flights on several airlines, or redeem them for cash back, merchandise or gift certificates.

Ease of points redemption – Unfortunately, some companies make it quite difficult to redeem points in the hope that people won’t bother. You might have to squint through the depths of the fine print to find out how on earth to get something back for your points. Look for a rewards points program that makes redemption simple and straight forward. Some even offer automated redemption, where cash back goes straight into your account at the end of the month based on the points you’ve earned.

Bonus points – As an introductory offer, many reward credit cards will offer you the opportunity to earn bonus points. Sometimes to get them you have to spend a lot of money or shop in a particular store.

Do balance transfers and cash advances earn reward points?

They do not. And, in fact, a rewards credit card may have higher interest rates on these transactions than a regular card.

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Rated 4.8 out of 5 for customer satisfaction.
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S. Hucker, NSW
"Credit Card Compare rocks! They helped me get the right credit card to get the most out of my frequent flyer program - which helps me to travel around the world in comfort"
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