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With over 170 credit cards on the market, how do you choose the best one? Check out the popular credit card table below for some of the latest credit card deals or try one of our free credit card tools to help you compare rewards, fees, interest rates and balance transfer offers.

Today's sponsored deal

St.George
St.George Amplify Signature (Rewards)
- Special offer 20,000 bonus points on new Amplify Signature cards when you apply by 30 September 2014
- 0.0% p.a. on balance transfers for 9 months
- Up to 55 interest free days on purchases
points per $ spent
1.5 points per dollar on Visa, uncapped
spend req syd-mel flight*
$13,200
annual fees
$279
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Interest rate	19.49%
Intro rate
Interest rate on cash withdrawals	20.74%
Interest free days	55
Rewards program	Rewards
Bonus points	10% points bonus on total points earned in previous year on birthday of cardholder. Earn double points at overseas merchants.
Balance transfer rate	0.00% for 9 months

Filght options	You can get flights via Velocity, Enrich or Krisflyer programs.
Expiry	Never
Points earning	1.5 points per dollar on Visa, uncapped
Points required	1 points buys 0.5 Velocity Points; 9900 Velocity Points buys a Virgin Australia Syd-Mel flight 1 points buys 0.5 Velocity Points; 125000 Velocity Points buys a Velocity partner London flight 17500 points buys a Myer $100 Gift Card

HSBC
HSBC Platinum Qantas
- 2 Qantas Club lounge passes every year at no extra cost
- 0.0% p.a. on balance transfers for 6 months. Conditions apply
- Additional card holder fee $0
points per $ spent
1 points per dollar on Visa, uncapped
spend req syd-mel flight*
$14,000
annual fees
$199
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Interest rate	19.99%
Intro rate
Interest rate on cash withdrawals	21.99%
Interest free days	55
Rewards program	Qantas Frequent Flyer
Bonus points	Earn 2 points for every dollar spent overseas.
Balance transfer rate	0.00% for 6 months and then cash rate

Filght options	All rewards redeemed via Qantas Frequent Flyer.
Expiry	Never
Points earning	1 points per dollar on Visa, uncapped
Points required	14000 points buys a Qantas Syd-Mel flight 128000 points buys a Qantas London flight 15100 points buys a Myer $100 Gift Card

Westpac
Westpac Altitude Black
- 0% p.a. on purchases for 12 months from card approval
- VIP access to airport lounges around the world
- Complimentary Priority Pass membership with two free visits per year to use at your choice of over 600 VIP airport lounges
points per $ spent
3 points per dollar on Amex, 1.25 points per dollar on MasterCard, uncapped
spend req syd-mel flight*
$6,600 (on Amex, or $15,840 on MasterCard)
annual fees
$395
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Interest rate	19.99%
Intro rate	0.00% for 12 months
Interest rate on cash withdrawals	21.49%
Interest free days	45
Rewards program	Rewards
Bonus points	Bonus points available at a range of partner merchants including Altitude Travel, hotels and more.
Balance transfer rate	3.99% for 6 months

Filght options	You can get flights via Velocity, Air New Zealand Air Points, Enrich or Krisflyer programs, or by booking through Altitude Travel.
Expiry	Never
Points earning	3 points per dollar on Amex, 1.25 points per dollar on MasterCard, uncapped
Points required	1 points buys 0.5 Velocity Points; 9900 Velocity Points buys a Virgin Australia Syd-Mel flight 1 points buys 0.5 Velocity Points; 125000 Velocity Points buys a Velocity partner London flight 18200 points buys a Myer $100 Gift Card 49200 points buys a $295 Annual Fee Rebate

Coles
Coles Rewards MasterCard
- Earn 2 flybuys points per $1 spent on your eligible everyday purchases
- $49 annual fee
- Up to 62 interest free days on purchases when you pay the full balance off each month
points per $ spent
2 points per dollar on MasterCard, uncapped
spend req syd-mel flight*
$13,900
annual fees
$49
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Interest rate	19.99%
Intro rate
Interest rate on cash withdrawals	19.99%
Interest free days	62
Rewards program	Flybuys
Bonus points	Earn an additional 1 point per dollar spent at Coles when your card is scanned.
Balance transfer rate

Filght options	Redeemed via Flybuys site.
Expiry	Never
Points earning	2 points per dollar on MasterCard, uncapped
Points required	27800 points required. 10000 points buys a $50 Webjet credit; assumed flight cost is $139 230000 points required. 10000 points buys a $50 Webjet credit; assumed flight cost is $1150 2000 points buys a $10 off at Coles

NAB
NAB Qantas Rewards Card
- 20,000 bonus Qantas Points
- Earn Qantas Points on eligible everyday purchases
- $65 annual card fee
points per $ spent
1 points per dollar on Amex, 0.5 points per dollar on MasterCard, up to $100,000 per month
spend req syd-mel flight*
$14,000 (on Amex, or $28,000 on MasterCard)
annual fees
$65
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Interest rate	19.99%
Intro rate
Interest rate on cash withdrawals	21.74%
Interest free days	44
Rewards program	Qantas Frequent Flyer
Bonus points	Bonus points on selected Qantas products and services, including eligible Qantas flights.
Balance transfer rate	4.99% for 6 months

Filght options	All rewards are redeemed via Qantas Frequent Flyer.
Expiry	Never
Points earning	1 points per dollar on Amex, 0.5 points per dollar on MasterCard, up to $100,000 per month
Points required	14000 points buys a Qantas Syd-Mel flight 128000 points buys a Qantas London flight 15100 points buys a Myer $100 Gift Card

Westpac
Westpac Altitude Platinum (Rewards)
- 0% p.a. for 12 months on purchases from card approval
- Complimentary Overseas Travel Insurance
- Two cards linked to one account, apply by 24 July 2014
points per $ spent
2 points per dollar on Amex, 1 points per dollar on Visa, up to 7500 points per month
spend req syd-mel flight*
$9,900 (on Amex, or $19,800 on Visa)
annual fees
$150
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Interest rate	19.99%
Intro rate	0.00% for 12 months
Interest rate on cash withdrawals	21.49%
Interest free days	45
Rewards program	Rewards
Bonus points	Bonus points available at a range of partner merchants including Altitude Travel, hotels and more.
Balance transfer rate	3.99% for 6 months

Filght options	You can get flights via Velocity, Air New Zealand Air Points, Enrich or Krisflyer programs, or by booking through Altitude Travel.
Expiry	Never
Points earning	2 points per dollar on Amex, 1 points per dollar on Visa, up to 7500 points per month
Points required	1 points buys 0.5 Velocity Points; 9900 Velocity Points buys a Virgin Australia Syd-Mel flight 1 points buys 0.5 Velocity Points; 125000 Velocity Points buys a Velocity partner London flight 18200 points buys a Myer $100 Gift Card 25000 points buys a $150 Annual Fee Rebate

ANZ
ANZ Rewards Platinum
- Earn 50,000 Bonus Points on your first eligible purchase
- $0 annual fee for the first year, apply by 27 October 2014
- Complimentary travel and medical insurance
points per $ spent
3 points per dollar on Amex, 1.5 points per dollar on Visa, uncapped
spend req syd-mel flight*
$7,425 (on Amex, or $14,850 on Visa)
annual fees
$149$0 in the first year
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Interest rate	18.79%
Intro rate
Interest rate on cash withdrawals	20.99%
Interest free days	55
Rewards program	ANZ Rewards
Bonus points	Earn bonus points at over 30 bonus partners.
Balance transfer rate

Filght options	You can get flights via Velocity, Air New Zealand or KrisFlyer.
Expiry	36 months
Points earning	3 points per dollar on Amex, 1.5 points per dollar on Visa, uncapped
Points required	1 points buys 0.444444 Velocity points; 9900 Velocity points buys a Virgin Australia Syd-Mel flight 1 points buys 0.444444 Velocity points; 125000 Velocity points buys a Velocity partner London flight 19980 points buys a Myer $100 Gift Card 20620 points buys a $100 credit

Virgin Money
Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer
- 0.0% p.a. on balance transfers for 14 months
- Special offer earn triple Velocity Points. Conditions apply
- Exclusive reduced flights offer when you and a friend travel together. Conditions apply
points per $ spent
1 points per dollar on Visa, up to $1,500 per month
0.5 points per dollar on Visa, uncapped
spend req syd-mel flight*
$9,900
annual fees
$129
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Interest rate	20.74%
Intro rate
Interest rate on cash withdrawals	20.99%
Interest free days	44
Rewards program	Velocity Rewards
Bonus points
Balance transfer rate	0.00% for 14 months and then cash rate

Filght options
Expiry	Never
Points earning	1 points per dollar on Visa, up to $1,500 per month 0.5 points per dollar on Visa, uncapped
Points required	9900 points buys a Virgin Australia Syd-Mel flight 125000 points buys a Velocity partner London flight 18000 points buys a Myer $100 Gift Card

American Express
American Express Platinum Edge Credit Card
- 0.99% p.a. on balance transfers for the first 6 months. Conditions apply
- Annual domestic economy return flight
- Up to 55 days interest free on purchases
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-mel flight*
$9,900
annual fees
$195
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Interest rate	20.74%
Intro rate
Interest rate on cash withdrawals
Interest free days	55
Rewards program	Ascent Membership Rewards
Bonus points	Earn 3 points per $1 at major supermarkets, 2 points per $1 at major petrol stations. 1 point per $1 on all other purchases excluding insurance, telecommunications, and government where you earn 0.5 points per $1
Balance transfer rate	0.99% for 6 months

Filght options	One complimentary domestic flight every year. Transfer your points to 8 airline programs, including Virgin Velocity, or book direct with your dedicated travel service or travel agents including Harvey World Travel and Webjet.
Expiry	Never
Points earning	1 points per dollar on Amex, uncapped
Points required	1 points buys 1.0 Velocity Points; 9900 Velocity Points buys a Virgin Australia Syd-Mel flight 1 points buys 1.0 Velocity Points; 125000 Velocity Points buys a Velocity partner London flight 13500 points buys a Myer $100 Gift Card 14500 points buys a $100 credit

American Express
American Express Velocity Platinum Card
- 0.99% p.a. on balance transfers for the first 6 months
- Earn up to 3 Velocity Points per $1 spent
- 50,000 bonus Velocity Points, limited time only
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-mel flight*
$9,900
annual fees
$349
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Interest rate	20.74%
Intro rate
Interest rate on cash withdrawals
Interest free days	44
Rewards program	Velocity Rewards
Bonus points	Earn 3 points per dollar for eligible purchases at Virgin Australia, and tens of thousands of restaurants in Australia; 2 points per dollar for various travel and foreign currency purchases; 1 point per dollar at all other providers; except 0.5 points per dollar at utilities, insurance, telecommunications, and government bodies.
Balance transfer rate	0.99% for 6 months

Filght options	Flights available with Virgin, Air New Zealand, Etihad Airways, Singapore Airlines and other partners.
Expiry	Never
Points earning	1 points per dollar on Amex, uncapped
Points required	9900 points buys a Virgin Australia Syd-Mel flight 125000 points buys a Velocity partner London flight 18000 points buys a Myer $100 Gift Card

St.George
St.George Amplify Classic (Rewards)
- Special offer 5,000 bonus points on new Amplify cards when you apply by 30 September 2014
- 0.0% p.a. on balance transfers for 9 months
- Up to 55 interest free days on purchases
points per $ spent
1 points per dollar on Visa, uncapped
spend req syd-mel flight*
$19,800
annual fees
$79
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Interest rate	19.49%
Intro rate
Interest rate on cash withdrawals	20.74%
Interest free days	55
Rewards program	Rewards
Bonus points
Balance transfer rate	0.00% for 9 months

Filght options	You can get flights via Velocity, Enrich or Krisflyer programs.
Expiry	Never
Points earning	1 points per dollar on Visa, uncapped
Points required	1 points buys 0.5 Velocity Points; 9900 Velocity Points buys a Virgin Australia Syd-Mel flight 1 points buys 0.5 Velocity Points; 125000 Velocity Points buys a Velocity partner London flight 17500 points buys a Myer $100 Gift Card 13175 points buys a Amplify $79 annual fee

ANZ
ANZ Frequent Flyer
- 50,000 Bonus Qantas Points when you spend $1,500 on eligible purchases within the first 3 months
- Earn uncapped Qantas Points, conditions apply
- Up to 44 interest free days on purchases
points per $ spent
1 points per dollar on Amex, 0.5 points per dollar on Visa, uncapped
spend req syd-mel flight*
$14,000 (on Amex, or $28,000 on Visa)
annual fees
$95$0 in the first year
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Interest rate	19.99%
Intro rate
Interest rate on cash withdrawals	21.49%
Interest free days	44
Rewards program	Qantas Frequent Flyer
Bonus points	Bonus points earned at a range of bonus partners including Qantas.
Balance transfer rate

Filght options	All rewards are redeemed via Qantas Frequent Flyer.
Expiry	Never
Points earning	1 points per dollar on Amex, 0.5 points per dollar on Visa, uncapped
Points required	14000 points buys a Qantas Syd-Mel flight 128000 points buys a Qantas London flight 15100 points buys a Myer $100 Gift Card

Westpac
Westpac Earth Black
- 20,000 Qantas Points for new cardholders after your first purchase and complimentary Qantas Lounge passes
- 0% p.a. on purchases for 12 months from card approval
- Offer ends 24 July 2014
points per $ spent
1.5 points per dollar on Amex, 0.625 points per dollar on MasterCard, uncapped
spend req syd-mel flight*
$9,333 (on Amex, or $22,400 on MasterCard)
annual fees
$395
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Interest rate	19.99%
Intro rate	0.00% for 12 months
Interest rate on cash withdrawals	21.49%
Interest free days	45
Rewards program	Qantas
Bonus points	Bonus points on selected Qantas products and services.
Balance transfer rate	3.99% for 6 months

Filght options	All rewards are redeemed via Qantas Frequent Flyer.
Expiry	Never
Points earning	1.5 points per dollar on Amex, 0.625 points per dollar on MasterCard, uncapped
Points required	14000 points buys a Qantas Syd-Mel flight 128000 points buys a Qantas London flight 15100 points buys a Myer $100 Gift Card

Virgin Money
Virgin Money Virgin Australia Velocity High Flyer Card
- 1.9% p.a. for 12 months on balance transfers
- Earn up to 20,000 bonus Velocity Points
- Uncapped Velocity Points on everyday spend
points per $ spent
1.25 points per dollar on Visa, uncapped
spend req syd-mel flight*
$7,920
annual fees
$289$144 in the first year
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Interest rate	20.74%
Intro rate
Interest rate on cash withdrawals	20.99%
Interest free days	44
Rewards program	Velocity Rewards
Bonus points
Balance transfer rate	1.90% for 12 months and then cash rate

Filght options
Expiry	Never
Points earning	1.25 points per dollar on Visa, uncapped
Points required	9900 points buys a Virgin Australia Syd-Mel flight 125000 points buys a Velocity partner London flight 18000 points buys a Myer $100 Gift Card

American Express
American Express Qantas Premium Card
- 0.99% p.a. on balance transfers for the first 6 months
- Receive up to 30,000 extra Qantas Points
- Enjoy 2 Qantas Club Lounge invitations every year
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-mel flight*
$14,000
annual fees
$249
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Interest rate	20.74%
Intro rate
Interest rate on cash withdrawals
Interest free days	44
Rewards program	Qantas Frequent Flyer
Bonus points	Earn 2 points per dollar for eligible purchases at major supermarkets, petrol stations and selected Qantas services; 1 point per dollar at all other providers; except 0.5 points per dollar at utilities, insurance, telecommunications, and government bodies.
Balance transfer rate	0.99% for 6 months

Filght options	All rewards are redeemed via Qantas Frequent Flyer.
Expiry	Never
Points earning	1 points per dollar on Amex, uncapped
Points required	14000 points buys a Qantas Syd-Mel flight 128000 points buys a Qantas London flight 15100 points buys a Myer $100 Gift Card

NAB
NAB flybuys Rewards Card
- Experts Choice 2014 Winner Best Premium Credit Card
- 4.99% p.a. on balance transfer for 6 months
- Earn 1 flybuys point for every $1 spent on eligible everyday purchases
points per $ spent
1 points per dollar on Visa, up to $100,000 per month
spend req syd-mel flight*
$27,800
annual fees
$65
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Interest rate	19.99%
Intro rate
Interest rate on cash withdrawals	21.74%
Interest free days	44
Rewards program	Flybuys
Bonus points
Balance transfer rate	4.99% for 6 months

Filght options	All rewards are redeemed via flybuys
Expiry	Never
Points earning	1 points per dollar on Visa, up to $100,000 per month
Points required	27800 points required. 10000 points buys a $50 Webjet credit; assumed flight cost is $139 230000 points required. 10000 points buys a $50 Webjet credit; assumed flight cost is $1150 20000 points buys a $100 Gift Card 20000 points buys a Discount at Coles Group stores

ANZ
ANZ Rewards
- Earn 50,000 Bonus Points on your first eligible purchase
- $0 annual fee for the first year, apply by 27 October 2014
- UP to 44 interest free days on purchases
points per $ spent
2 points per dollar on Amex, 1.5 points per dollar on Visa, uncapped
spend req syd-mel flight*
$11,138 (on Amex, or $14,850 on Visa)
annual fees
$89$0 in the first year
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Interest rate	18.79%
Intro rate
Interest rate on cash withdrawals	20.99%
Interest free days	44
Rewards program	ANZ Rewards
Bonus points	Earn bonus points at over 30 bonus partners.
Balance transfer rate

Filght options	You can get flights via Velocity, Air New Zealand or KrisFlyer.
Expiry	36 months
Points earning	2 points per dollar on Amex, 1.5 points per dollar on Visa, uncapped
Points required	1 points buys 0.444444 Velocity points; 9900 Velocity points buys a Virgin Australia Syd-Mel flight 1 points buys 0.444444 Velocity points; 125000 Velocity points buys a Velocity partner London flight 19980 points buys a Myer $100 Gift Card 20620 points buys a $100 credit

Westpac
Westpac Altitude (Rewards)
- 0% p.a. for 12 months on purchases from card approval
- 3.99% p.a. for 6 months on balance transfers requested at new card application
- Limited time only, offer ends 24 July 2014
points per $ spent
2 points per dollar on Amex, 1 points per dollar on Visa, up to 5000 points per month
spend req syd-mel flight*
$9,900 (on Amex, or $19,800 on Visa)
annual fees
$100
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Interest rate	19.99%
Intro rate	0.00% for 12 months
Interest rate on cash withdrawals	21.49%
Interest free days	45
Rewards program	Rewards
Bonus points	Bonus points available at a range of partner merchants including Altitude Travel, hotels and more.
Balance transfer rate	3.99% for 6 months

Filght options	You can get flights via Velocity, Air New Zealand Air Points, Enrich or Krisflyer programs, or by booking through Altitude Travel.
Expiry	Never
Points earning	2 points per dollar on Amex, 1 points per dollar on Visa, up to 5000 points per month
Points required	1 points buys 0.5 Velocity Points; 9900 Velocity Points buys a Virgin Australia Syd-Mel flight 1 points buys 0.5 Velocity Points; 125000 Velocity Points buys a Velocity partner London flight 18200 points buys a Myer $100 Gift Card 16700 points buys a $100 Annual Fee Rebate

St.George
St.George Amplify Platinum (Rewards)
- Special offer 10,000 bonus points on new Amplify Platinum cards when you apply by 30 September 2014
- 0.0% p.a. on balance transfers for 9 months
- Up to 55 interest free days on purchases
points per $ spent
1 points per dollar on Visa, uncapped
spend req syd-mel flight*
$19,800
annual fees
$99
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Interest rate	19.49%
Intro rate
Interest rate on cash withdrawals	20.74%
Interest free days	55
Rewards program	Rewards
Bonus points	Earn double points at overseas merchants.
Balance transfer rate	0.00% for 9 months

Filght options	You can get flights via Velocity, Enrich or Krisflyer programs.
Expiry	Never
Points earning	1 points per dollar on Visa, uncapped
Points required	1 points buys 0.5 Velocity Points; 9900 Velocity Points buys a Virgin Australia Syd-Mel flight 1 points buys 0.5 Velocity Points; 125000 Velocity Points buys a Velocity partner London flight 17500 points buys a Myer $100 Gift Card

Virgin Money
Virgin Money Virgin Australia Velocity Flyer Card - Bonus Points Offer
- Earn up to 15,000 bonus Velocity Points. Conditions apply
- Visa payWave available on purchases under $100
- Exclusive reduced flights offer when you and a friend travel together. Conditions apply
points per $ spent
1 points per dollar on Visa, up to $1,500 per month
0.5 points per dollar on Visa, uncapped
spend req syd-mel flight*
$9,900
annual fees
$129
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Interest rate	20.74%
Intro rate
Interest rate on cash withdrawals	20.99%
Interest free days	44
Rewards program	Velocity Rewards
Bonus points
Balance transfer rate	2.90% for 6 months and then cash rate

Filght options
Expiry	Never
Points earning	1 points per dollar on Visa, up to $1,500 per month 0.5 points per dollar on Visa, uncapped
Points required	9900 points buys a Virgin Australia Syd-Mel flight 125000 points buys a Velocity partner London flight 18000 points buys a Myer $100 Gift Card

Commonwealth Bank
Commonwealth Bank Awards Credit Card
- Enjoy 0.0% p.a. on purchases for 10 months
- Earn up to 1.5 Awards points for every dollar spent on eligible purchases
- Up to 55 days interest free on purchases
points per $ spent
1.5 points per dollar on Amex, 1 points per dollar on MasterCard, up to 50000 points per year
spend req syd-mel flight*
$16,500 (on Amex, or $24,750 on MasterCard)
annual fees
$89$59 if CBA customer when applying
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Interest rate	20.24%
Intro rate	0.00% for 10 months
Interest rate on cash withdrawals	21.24%
Interest free days	55
Rewards program	Commonwealth Awards
Bonus points	Bonus points at over 30 partners including hotels, travel and more.
Balance transfer rate	5.99% for 5 months and then cash rate

Filght options	You can get flights via Velocity or through Flight Centre vouchers.
Expiry	Never
Points earning	1.5 points per dollar on Amex, 1 points per dollar on MasterCard, up to 50000 points per year
Points required	1 points buys 0.4 Velocity Points; 9900 Velocity Points buys a Virgin Australia Syd-Mel flight 1 points buys 0.4 Velocity Points; 125000 Velocity Points buys a Velocity partner London flight 18600 points buys a Myer $100 Gift Card 20900 points buys a $100 credit

ANZ
ANZ Frequent Flyer Platinum
- 50,000 Bonus Qantas Points when you spend $1,500 on eligible purchases within the first 3 months
- Earn uncapped Qantas Points, conditions apply
- Complimentary travel and medical insurances included
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, uncapped
spend req syd-mel flight*
$9,333 (on Amex, or $28,000 on Visa)
annual fees
$295$0 in the first year
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Interest rate	19.99%
Intro rate
Interest rate on cash withdrawals	21.49%
Interest free days	55
Rewards program	Qantas Frequent Flyer
Bonus points	Bonus points earned at a range of bonus partners including Qantas.
Balance transfer rate

Filght options	All rewards are redeemed via Qantas Frequent Flyer.
Expiry	Never
Points earning	1.5 points per dollar on Amex, 0.5 points per dollar on Visa, uncapped
Points required	14000 points buys a Qantas Syd-Mel flight 128000 points buys a Qantas London flight 15100 points buys a Myer $100 Gift Card

NAB
NAB Velocity Rewards Card
- 20,000 bonus Velocity Points. Conditions apply
- Earn Velocity Points on eligible everyday purchases
- Annual card fee $65
points per $ spent
1 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month
spend req syd-mel flight*
$9,900 (on Amex, or $19,800 on Visa)
annual fees
$65
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Interest rate	19.99%
Intro rate
Interest rate on cash withdrawals	21.74%
Interest free days	44
Rewards program	Velocity Rewards
Bonus points	Bonus Points offers from Velocity Partners including airlines, hotels, hire cars and more.
Balance transfer rate	4.99% for 6 months

Filght options	All rewards are redeemed via Velocity.
Expiry	Never
Points earning	1 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month
Points required	9900 points buys a Virgin Australia Syd-Mel flight 125000 points buys a Velocity partner London flight 18000 points buys a Myer $100 Gift Card

Westpac
Westpac Singapore Airlines Platinum
- 10,000 bonus points
- 0.99% p.a. on balance transfers for 6 months
- Complimentary insurance covers
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, uncapped
spend req syd-mel flight*
(on Amex, or on Visa)
annual fees
$250
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Interest rate	19.49%
Intro rate
Interest rate on cash withdrawals	20.74%
Interest free days	45
Rewards program	KrisFlyer
Bonus points	Bonus points at selected partners including Singapore Airlines.
Balance transfer rate	0.99% for 6 months

Filght options	All rewards are redeemed via KrisFlyer.
Expiry	36 months
Points earning	1.5 points per dollar on Amex, 0.5 points per dollar on Visa, uncapped
Points required	100000 points buys a Singapore Airlines London flight

BankSA
BankSA Amplify Platinum (Rewards)
- Special offer 10,000 bonus points on new Amplify Platinum cards when you apply by 30 September 2014
- 0.0% p.a. on balance transfers for 9 months
- Up to 55 interest free days on purchases
points per $ spent
1 points per dollar on Visa, uncapped
spend req syd-mel flight*
$19,800
annual fees
$99
Go to site

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Interest rate	19.49%
Intro rate
Interest rate on cash withdrawals	20.74%
Interest free days	55
Rewards program	Rewards
Bonus points	Earn double points at overseas merchants.
Balance transfer rate	0.00% for 9 months

Filght options	You can get flights via Velocity, Enrich or KrisFlyer.
Expiry	Never
Points earning	1 points per dollar on Visa, uncapped
Points required	1 points buys 0.5 Velocity Points; 9900 Velocity Points buys a Virgin Australia Syd-Mel flight 1 points buys 0.5 Velocity Points; 125000 Velocity Points buys a Velocity partner London flight 17500 points buys a Myer $100 Gift Card

ANZ
ANZ Rewards Black
- Earn 50,000 Bonus Points on your first eligible purchase
- $0 annual fee for the first year, apply by 27 October 2014
- Complimentary international travel insurance
points per $ spent
3 points per dollar on Amex, 2 points per dollar on Visa, uncapped
spend req syd-mel flight*
$7,425 (on Amex, or $11,138 on Visa)
annual fees
$375$0 in the first year
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NAB
NAB Velocity Rewards Premium Card
- 40,000 bonus Velocity Points. Conditions apply
- Earn Velocity Points on eligible everyday purchases
- Up to 44 days interest free on purchases
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month
spend req syd-mel flight*
$6,600 (on Amex, or $19,800 on Visa)
annual fees
$150
Go to site

Click for more info

Bank of Melbourne
Bank of Melbourne Amplify Classic (Rewards)
- Special offer 5,000 bonus points on new Amplify cards when you apply by 30 September 2014
- 0.0% p.a. on balance transfers for 9 months
- Up to 55 interest free days on purchases
points per $ spent
1 points per dollar on Visa, uncapped
spend req syd-mel flight*
$19,800
annual fees
$79
Go to site

Click for more info

Commonwealth Bank
Commonwealth Bank Platinum Awards Credit Card
- Enjoy 0.0% p.a. on purchases for 10 months
- Earn up to 2.5 Awards points for every dollar spent on eligible purchases
- Up to 55 days interest free on purchases
points per $ spent
2.5 points per dollar on Amex, 1 points per dollar on MasterCard, up to 150000 points per year
1 points per dollar on Amex, 0 points per dollar on MasterCard, up to 250000 points per year
spend req syd-mel flight*
$7,920 (on Amex, or $19,800 on MasterCard)
annual fees
$280$250 if CBA customer when applying
Go to site

Click for more info

American Express
American Express Qantas Discovery Card
- No annual fee for the life of the card
- 0.99% p.a. on balance transfers for the first 6 months
- Receive up to 7,500 Qantas points when you apply by 31 August 2014
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-mel flight*
$14,000
annual fees
$0
Go to site

Click for more info

Commonwealth Bank
Commonwealth Bank Gold Awards Credit Card
- Enjoy 0.0% p.a. on purchases for 10 months
- Earn up to 2 Awards points for every dollar spent on eligible purchases
- Up to 55 days interest free on purchases
points per $ spent
2 points per dollar on Amex, 1 points per dollar on MasterCard, up to 75000 points per year
1 points per dollar on Amex, 0 points per dollar on MasterCard, up to 125000 points per year
spend req syd-mel flight*
$12,375 (on Amex, or $24,750 on MasterCard)
annual fees
$144$114 if CBA customer when applying
Go to site

Click for more info

ANZ
ANZ Frequent Flyer Black
- 50,000 Bonus Qantas Points when you spend $1,500 on eligible purchases within the first 3 months
- Earn uncapped Qantas Points, conditions apply
- Complimentary travel and medical insurances included
points per $ spent
1.5 points per dollar on Amex, 0.75 points per dollar on Visa, uncapped
spend req syd-mel flight*
$9,333 (on Amex, or $18,667 on Visa)
annual fees
$425$0 in the first year
Go to site

Click for more info

NAB
NAB Qantas Rewards Premium Card
- Receive 40,000 bonus Qantas Points. Conditions apply
- Earn Qantas Points on eligible everyday purchases
- Up to 44 days interest free on purchases
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month
spend req syd-mel flight*
$9,333 (on Amex, or $28,000 on Visa)
annual fees
$250
Go to site

Click for more info

BankSA
BankSA Amplify Classic (Rewards)
- Special offer 5,000 bonus points on new Amplify cards when you apply by 30 September 2014
- 0.0% p.a. on balance transfers for 9 months
- Up to 55 interest free days on purchases
points per $ spent
1 points per dollar on Visa, uncapped
spend req syd-mel flight*
$19,800
annual fees
$79
Go to site

Click for more info

American Express
American Express Velocity Escape Card
- 0.99% p.a. on balance transfers for the first 6 months
- No annual fee
- Earn 7,500 bonus Velocity Points. Limited time only, conditions apply
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-mel flight*
$9,900
annual fees
$0
Go to site

Click for more info

Bank of Melbourne
Bank of Melbourne Amplify Platinum (Rewards)
- Special offer 10,000 bonus points on new Amplify Platinum cards when you apply by 30 September 2014
- 0.0% p.a. on balance transfers for 9 months
- Up to 55 interest free days on purchases
points per $ spent
1 points per dollar on Visa, uncapped
spend req syd-mel flight*
$19,800
annual fees
$99
Go to site

Click for more info

Commonwealth Bank
Commonwealth Bank Diamond Awards Credit Card
- Enjoy 0.0% p.a. on purchases for 10 months
- Earn up to 3 Awards points for every dollar spent on eligible purchases
- Earn up to 1 million Awards points each year
points per $ spent
3 points per dollar on Amex, 1.25 points per dollar on MasterCard, up to 1000000 points per year
spend req syd-mel flight*
$6,600 (on Amex, or $15,840 on MasterCard)
annual fees
$425$395 if CBA customer when applying
Go to site

Click for more info

American Express
American Express Platinum Rewards Credit Card
- 5,000 Membership Reward points when you spend over $500 in the first 2 months
- % p.a. on balance transfers for 6 months for new cardmembers
- No annual fee for the first year
points per $ spent
1 points per dollar on Amex, up to 150000 points per year
0.5 points per dollar on Amex, uncapped
spend req syd-mel flight*
$9,900
annual fees
$80$0 in the first year
Go to site

Click for more info

close
Revealing rewards

How do we do it?

To work out the "Rewards value minus fees" in our Rewards Revealer we:
- calculate how many points you'd get each year,
- figure out how many flights or gift cards or cashback credits you could get for those points,
- work out what that's actually worth to you,
- take off the annual fee you'd pay.
More details:
- Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight including taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
- We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
- Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
- In products that have more than one card, a different mix of spend between American Express / Visa / MasterCard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
- We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
- To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Blue Blue Saver including baggage and Jetstar Jetsaver including baggage. We calculate the average price including taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Singapore, Virgin Atlantic and Malaysian, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
- Shopping rewards are based on $100 gift cards from a major national department store.
- We make every effort to ensure our calculations are correct and up to date but make no guarantees.
*how did we do it? find out...

Virgin Money
Virgin Money Virgin Australia Velocity Flyer Card - Bonus Points Offer
- Earn up to 15,000 bonus Velocity Points. Conditions apply
- Visa payWave available on purchases under $100
- Exclusive reduced flights offer when you and a friend travel together. Conditions apply
points per $ spent
1 points per dollar on Visa, up to $1,500 per month
0.5 points per dollar on Visa, uncapped
spend req syd-melb flight*
$9,900
annual fees
$129
Go to site

Click for more info

American Express
American Express Qantas Discovery Card
- No annual fee for the life of the card
- 0.99% p.a. on balance transfers for the first 6 months
- Receive up to 7,500 Qantas points when you apply by 31 August 2014
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-melb flight*
$14,000
annual fees
$0
Go to site

Click for more info

American Express
American Express Platinum Edge Credit Card
- 0.99% p.a. on balance transfers for the first 6 months. Conditions apply
- Annual domestic economy return flight
- Up to 55 days interest free on purchases
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-melb flight*
$9,900
annual fees
$195
Go to site

Click for more info

American Express
American Express Velocity Escape Card
- 0.99% p.a. on balance transfers for the first 6 months
- No annual fee
- Earn 7,500 bonus Velocity Points. Limited time only, conditions apply
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-melb flight*
$9,900
annual fees
$0
Go to site

Click for more info

American Express
American Express Velocity Platinum Card
- 0.99% p.a. on balance transfers for the first 6 months
- Earn up to 3 Velocity Points per $1 spent
- 50,000 bonus Velocity Points, limited time only
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-melb flight*
$9,900
annual fees
$349
Go to site

Click for more info

St.George
St.George Amplify Platinum (Rewards)
- Special offer 10,000 bonus points on new Amplify Platinum cards when you apply by 30 September 2014
- 0.0% p.a. on balance transfers for 9 months
- Up to 55 interest free days on purchases
points per $ spent
1 points per dollar on Visa, uncapped
spend req syd-melb flight*
$19,800
annual fees
$99
Go to site

Click for more info

HSBC
HSBC Platinum Qantas
- 2 Qantas Club lounge passes every year at no extra cost
- 0.0% p.a. on balance transfers for 6 months. Conditions apply
- Additional card holder fee $0
points per $ spent
1 points per dollar on Visa, uncapped
spend req syd-melb flight*
$14,000
annual fees
$199
Go to site

Click for more info

close
Revealing rewards

How do we do it?

To work out the "Rewards value minus fees" in our Rewards Revealer we:
- calculate how many points you'd get each year,
- figure out how many flights or gift cards or cashback credits you could get for those points,
- work out what that's actually worth to you,
- take off the annual fee you'd pay.
More details:
- Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight including taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
- We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
- Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
- In products that have more than one card, a different mix of spend between American Express / Visa / MasterCard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
- We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
- To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Blue Blue Saver including baggage and Jetstar Jetsaver including baggage. We calculate the average price including taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Singapore, Virgin Atlantic and Malaysian, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
- Shopping rewards are based on $100 gift cards from a major national department store.
- We make every effort to ensure our calculations are correct and up to date but make no guarantees.
*how did we do it? find out...

Commonwealth Bank
Commonwealth Bank Awards Credit Card
- Enjoy 0.0% p.a. on purchases for 10 months
- Earn up to 1.5 Awards points for every dollar spent on eligible purchases
- Up to 55 days interest free on purchases
points per $ spent
1.5 points per dollar on Amex, 1 points per dollar on MasterCard, up to 50000 points per year
spend req $100 reward*
$13,933 (on Amex, or $20,900 on MasterCard)
annual fees
$89$59 if CBA customer when applying
Go to site

Click for more info

American Express
American Express Qantas Discovery Card
- No annual fee for the life of the card
- 0.99% p.a. on balance transfers for the first 6 months
- Receive up to 7,500 Qantas points when you apply by 31 August 2014
points per $ spent
1 points per dollar on Amex, uncapped
spend req $100 reward*
annual fees
$0
Go to site

Click for more info

American Express
American Express Platinum Edge Credit Card
- 0.99% p.a. on balance transfers for the first 6 months. Conditions apply
- Annual domestic economy return flight
- Up to 55 days interest free on purchases
points per $ spent
1 points per dollar on Amex, uncapped
spend req $100 reward*
$14,500
annual fees
$195
Go to site

Click for more info

HSBC
HSBC Platinum Qantas
- 2 Qantas Club lounge passes every year at no extra cost
- 0.0% p.a. on balance transfers for 6 months. Conditions apply
- Additional card holder fee $0
points per $ spent
1 points per dollar on Visa, uncapped
spend req $100 reward*
annual fees
$199
Go to site

Click for more info

close
Revealing rewards

How do we do it?

To work out the "Rewards value minus fees" in our Rewards Revealer we:
- calculate how many points you'd get each year,
- figure out how many flights or gift cards or cashback credits you could get for those points,
- work out what that's actually worth to you,
- take off the annual fee you'd pay.
More details:
- Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight including taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
- We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
- Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
- In products that have more than one card, a different mix of spend between American Express / Visa / MasterCard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
- We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
- To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Blue Blue Saver including baggage and Jetstar Jetsaver including baggage. We calculate the average price including taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Singapore, Virgin Atlantic and Malaysian, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
- Shopping rewards are based on $100 gift cards from a major national department store.
- We make every effort to ensure our calculations are correct and up to date but make no guarantees.
*how did we do it? find out...

Westpac
Westpac Altitude (Qantas)
- 0% p.a. for 12 months on purchases from card approval
- 3.99% p.a. for 6 months on balance transfers requested at new card application
- 2 cards linked to the one account. Apply by 24 July 2014
points per $ spent
1 points per dollar on Amex, 0.5 points per dollar on Visa, up to 2500 points per month
spend req syd-mel flight*
$14,000 (on Amex, or $28,000 on Visa)
annual fees
$100
Go to site

Click for more info

ANZ
ANZ Frequent Flyer
- 50,000 Bonus Qantas Points when you spend $1,500 on eligible purchases within the first 3 months
- Earn uncapped Qantas Points, conditions apply
- Up to 44 interest free days on purchases
points per $ spent
1 points per dollar on Amex, 0.5 points per dollar on Visa, uncapped
spend req syd-mel flight*
$14,000 (on Amex, or $28,000 on Visa)
annual fees
$95$0 in the first year
Go to site

Click for more info

Virgin Money
Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer
- 0.0% p.a. on balance transfers for 14 months
- Special offer earn triple Velocity Points. Conditions apply
- Exclusive reduced flights offer when you and a friend travel together. Conditions apply
points per $ spent
1 points per dollar on Visa, up to $1,500 per month
0.5 points per dollar on Visa, uncapped
spend req syd-mel flight*
$9,900
annual fees
$129
Go to site

Click for more info

ANZ
ANZ Frequent Flyer Platinum
- 50,000 Bonus Qantas Points when you spend $1,500 on eligible purchases within the first 3 months
- Earn uncapped Qantas Points, conditions apply
- Complimentary travel and medical insurances included
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, uncapped
spend req syd-mel flight*
$9,333 (on Amex, or $28,000 on Visa)
annual fees
$295$0 in the first year
Go to site

Click for more info

Westpac
Westpac Altitude Platinum (Qantas)
- 0% p.a. for 12 months on purchases from card approval
- Complimentary Overseas Travel Insurance
- Apply by 24 July 2014
points per $ spent
1 points per dollar on Amex, 0.5 points per dollar on Visa, up to 3750 points per month
spend req syd-mel flight*
$14,000 (on Amex, or $28,000 on Visa)
annual fees
$150
Go to site

Click for more info

NAB
NAB Qantas Rewards Card
- 20,000 bonus Qantas Points
- Earn Qantas Points on eligible everyday purchases
- $65 annual card fee
points per $ spent
1 points per dollar on Amex, 0.5 points per dollar on MasterCard, up to $100,000 per month
spend req syd-mel flight*
$14,000 (on Amex, or $28,000 on MasterCard)
annual fees
$65
Go to site

Click for more info

NAB
NAB Velocity Rewards Card
- 20,000 bonus Velocity Points. Conditions apply
- Earn Velocity Points on eligible everyday purchases
- Annual card fee $65
points per $ spent
1 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month
spend req syd-mel flight*
$9,900 (on Amex, or $19,800 on Visa)
annual fees
$65
Go to site

Click for more info

American Express
American Express Velocity Escape Card
- 0.99% p.a. on balance transfers for the first 6 months
- No annual fee
- Earn 7,500 bonus Velocity Points. Limited time only, conditions apply
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-mel flight*
$9,900
annual fees
$0
Go to site

Click for more info

Coles
Coles Rewards MasterCard
- Earn 2 flybuys points per $1 spent on your eligible everyday purchases
- $49 annual fee
- Up to 62 interest free days on purchases when you pay the full balance off each month
points per $ spent
2 points per dollar on MasterCard, uncapped
spend req syd-mel flight*
$13,900
annual fees
$49
Go to site

Click for more info

American Express
American Express Platinum Edge Credit Card
- 0.99% p.a. on balance transfers for the first 6 months. Conditions apply
- Annual domestic economy return flight
- Up to 55 days interest free on purchases
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-mel flight*
$9,900
annual fees
$195
Go to site

Click for more info

ANZ
ANZ Frequent Flyer Black
- 50,000 Bonus Qantas Points when you spend $1,500 on eligible purchases within the first 3 months
- Earn uncapped Qantas Points, conditions apply
- Complimentary travel and medical insurances included
points per $ spent
1.5 points per dollar on Amex, 0.75 points per dollar on Visa, uncapped
spend req syd-mel flight*
$9,333 (on Amex, or $18,667 on Visa)
annual fees
$425$0 in the first year
Go to site

Click for more info

NAB
NAB Qantas Rewards Premium Card
- Receive 40,000 bonus Qantas Points. Conditions apply
- Earn Qantas Points on eligible everyday purchases
- Up to 44 days interest free on purchases
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month
spend req syd-mel flight*
$9,333 (on Amex, or $28,000 on Visa)
annual fees
$250
Go to site

Click for more info

Commonwealth Bank
Commonwealth Bank Gold Awards Credit Card
- Enjoy 0.0% p.a. on purchases for 10 months
- Earn up to 2 Awards points for every dollar spent on eligible purchases
- Up to 55 days interest free on purchases
points per $ spent
2 points per dollar on Amex, 1 points per dollar on MasterCard, up to 75000 points per year
1 points per dollar on Amex, 0 points per dollar on MasterCard, up to 125000 points per year
spend req syd-mel flight*
$12,375 (on Amex, or $24,750 on MasterCard)
annual fees
$144$114 if CBA customer when applying
Go to site

Click for more info

NAB
NAB Velocity Rewards Premium Card
- 40,000 bonus Velocity Points. Conditions apply
- Earn Velocity Points on eligible everyday purchases
- Up to 44 days interest free on purchases
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month
spend req syd-mel flight*
$6,600 (on Amex, or $19,800 on Visa)
annual fees
$150
Go to site

Click for more info

American Express
American Express Qantas Discovery Card
- No annual fee for the life of the card
- 0.99% p.a. on balance transfers for the first 6 months
- Receive up to 7,500 Qantas points when you apply by 31 August 2014
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-mel flight*
$14,000
annual fees
$0
Go to site

Click for more info

Commonwealth Bank
Commonwealth Bank Awards Credit Card
- Enjoy 0.0% p.a. on purchases for 10 months
- Earn up to 1.5 Awards points for every dollar spent on eligible purchases
- Up to 55 days interest free on purchases
points per $ spent
1.5 points per dollar on Amex, 1 points per dollar on MasterCard, up to 50000 points per year
spend req syd-mel flight*
$16,500 (on Amex, or $24,750 on MasterCard)
annual fees
$89$59 if CBA customer when applying
Go to site

Click for more info

American Express
American Express Qantas Premium Card
- 0.99% p.a. on balance transfers for the first 6 months
- Receive up to 30,000 extra Qantas Points
- Enjoy 2 Qantas Club Lounge invitations every year
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-mel flight*
$14,000
annual fees
$249
Go to site

Click for more info

HSBC
HSBC Platinum Qantas
- 2 Qantas Club lounge passes every year at no extra cost
- 0.0% p.a. on balance transfers for 6 months. Conditions apply
- Additional card holder fee $0
points per $ spent
1 points per dollar on Visa, uncapped
spend req syd-mel flight*
$14,000
annual fees
$199
Go to site

Click for more info

close
Revealing rewards

How do we do it?

To work out the "Rewards value minus fees" in our Rewards Revealer we:
- calculate how many points you'd get each year,
- figure out how many flights or gift cards or cashback credits you could get for those points,
- work out what that's actually worth to you,
- take off the annual fee you'd pay.
More details:
- Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight including taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
- We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
- Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
- In products that have more than one card, a different mix of spend between American Express / Visa / MasterCard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
- We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
- To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Blue Blue Saver including baggage and Jetstar Jetsaver including baggage. We calculate the average price including taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Singapore, Virgin Atlantic and Malaysian, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
- Shopping rewards are based on $100 gift cards from a major national department store.
- We make every effort to ensure our calculations are correct and up to date but make no guarantees.
*how did we do it? find out...

Westpac
Westpac Altitude Black
- 0% p.a. on purchases for 12 months from card approval
- VIP access to airport lounges around the world
- Complimentary Priority Pass membership with two free visits per year to use at your choice of over 600 VIP airport lounges
points per $ spent
3 points per dollar on Amex, 1.25 points per dollar on MasterCard, uncapped
spend req syd-lon flight*
$83,333 (on Amex, or $200,000 on MasterCard)
annual fees
$395
Go to site

Click for more info

ANZ
ANZ Frequent Flyer Black
- 50,000 Bonus Qantas Points when you spend $1,500 on eligible purchases within the first 3 months
- Earn uncapped Qantas Points, conditions apply
- Complimentary travel and medical insurances included
points per $ spent
1.5 points per dollar on Amex, 0.75 points per dollar on Visa, uncapped
spend req syd-lon flight*
$85,333 (on Amex, or $170,667 on Visa)
annual fees
$425$0 in the first year
Go to site

Click for more info

Virgin Money
Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer
- 0.0% p.a. on balance transfers for 14 months
- Special offer earn triple Velocity Points. Conditions apply
- Exclusive reduced flights offer when you and a friend travel together. Conditions apply
points per $ spent
1 points per dollar on Visa, up to $1,500 per month
0.5 points per dollar on Visa, uncapped
spend req syd-lon flight*
$232,000
annual fees
$129
Go to site

Click for more info

NAB
NAB Qantas Rewards Premium Card
- Receive 40,000 bonus Qantas Points. Conditions apply
- Earn Qantas Points on eligible everyday purchases
- Up to 44 days interest free on purchases
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month
spend req syd-lon flight*
$85,333 (on Amex, or $256,000 on Visa)
annual fees
$250
Go to site

Click for more info

Westpac
Westpac Earth Black
- 20,000 Qantas Points for new cardholders after your first purchase and complimentary Qantas Lounge passes
- 0% p.a. on purchases for 12 months from card approval
- Offer ends 24 July 2014
points per $ spent
1.5 points per dollar on Amex, 0.625 points per dollar on MasterCard, uncapped
spend req syd-lon flight*
$85,333 (on Amex, or $204,800 on MasterCard)
annual fees
$395
Go to site

Click for more info

American Express
American Express Platinum Rewards Credit Card
- 5,000 Membership Reward points when you spend over $500 in the first 2 months
- % p.a. on balance transfers for 6 months for new cardmembers
- No annual fee for the first year
points per $ spent
1 points per dollar on Amex, up to 150000 points per year
0.5 points per dollar on Amex, uncapped
spend req syd-lon flight*
$125,000
annual fees
$80$0 in the first year
Go to site

Click for more info

ANZ
ANZ Frequent Flyer Platinum
- 50,000 Bonus Qantas Points when you spend $1,500 on eligible purchases within the first 3 months
- Earn uncapped Qantas Points, conditions apply
- Complimentary travel and medical insurances included
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, uncapped
spend req syd-lon flight*
$85,333 (on Amex, or $256,000 on Visa)
annual fees
$295$0 in the first year
Go to site

Click for more info

Coles
Coles Rewards MasterCard
- Earn 2 flybuys points per $1 spent on your eligible everyday purchases
- $49 annual fee
- Up to 62 interest free days on purchases when you pay the full balance off each month
points per $ spent
2 points per dollar on MasterCard, uncapped
spend req syd-lon flight*
$115,000
annual fees
$49
Go to site

Click for more info

Commonwealth Bank
Commonwealth Bank Platinum Awards Credit Card
- Enjoy 0.0% p.a. on purchases for 10 months
- Earn up to 2.5 Awards points for every dollar spent on eligible purchases
- Up to 55 days interest free on purchases
points per $ spent
2.5 points per dollar on Amex, 1 points per dollar on MasterCard, up to 150000 points per year
1 points per dollar on Amex, 0 points per dollar on MasterCard, up to 250000 points per year
spend req syd-lon flight*
$160,000 (on Amex, or $250,000 on MasterCard)
annual fees
$280$250 if CBA customer when applying
Go to site

Click for more info

NAB
NAB Velocity Rewards Premium Card
- 40,000 bonus Velocity Points. Conditions apply
- Earn Velocity Points on eligible everyday purchases
- Up to 44 days interest free on purchases
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month
spend req syd-lon flight*
$83,333 (on Amex, or $250,000 on Visa)
annual fees
$150
Go to site

Click for more info

Westpac
Westpac Altitude Platinum (Qantas)
- 0% p.a. for 12 months on purchases from card approval
- Complimentary Overseas Travel Insurance
- Apply by 24 July 2014
points per $ spent
1 points per dollar on Amex, 0.5 points per dollar on Visa, up to 3750 points per month
spend req syd-lon flight*
$128,000 (on Amex, or $256,000 on Visa)
annual fees
$150
Go to site

Click for more info

American Express
American Express Velocity Platinum Card
- 0.99% p.a. on balance transfers for the first 6 months
- Earn up to 3 Velocity Points per $1 spent
- 50,000 bonus Velocity Points, limited time only
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-lon flight*
$125,000
annual fees
$349
Go to site

Click for more info

Westpac
Westpac Singapore Airlines Platinum
- 10,000 bonus points
- 0.99% p.a. on balance transfers for 6 months
- Complimentary insurance covers
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, uncapped
spend req syd-lon flight*
$66,667 (on Amex, or $200,000 on Visa)
annual fees
$250
Go to site

Click for more info

ANZ
ANZ Frequent Flyer
- 50,000 Bonus Qantas Points when you spend $1,500 on eligible purchases within the first 3 months
- Earn uncapped Qantas Points, conditions apply
- Up to 44 interest free days on purchases
points per $ spent
1 points per dollar on Amex, 0.5 points per dollar on Visa, uncapped
spend req syd-lon flight*
$128,000 (on Amex, or $256,000 on Visa)
annual fees
$95$0 in the first year
Go to site

Click for more info

NAB
NAB Qantas Rewards Card
- 20,000 bonus Qantas Points
- Earn Qantas Points on eligible everyday purchases
- $65 annual card fee
points per $ spent
1 points per dollar on Amex, 0.5 points per dollar on MasterCard, up to $100,000 per month
spend req syd-lon flight*
$128,000 (on Amex, or $256,000 on MasterCard)
annual fees
$65
Go to site

Click for more info

American Express
American Express Qantas Premium Card
- 0.99% p.a. on balance transfers for the first 6 months
- Receive up to 30,000 extra Qantas Points
- Enjoy 2 Qantas Club Lounge invitations every year
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-lon flight*
$128,000
annual fees
$249
Go to site

Click for more info

Westpac
Westpac Altitude (Qantas)
- 0% p.a. for 12 months on purchases from card approval
- 3.99% p.a. for 6 months on balance transfers requested at new card application
- 2 cards linked to the one account. Apply by 24 July 2014
points per $ spent
1 points per dollar on Amex, 0.5 points per dollar on Visa, up to 2500 points per month
spend req syd-lon flight*
$128,000 (on Amex, or $256,000 on Visa)
annual fees
$100
Go to site

Click for more info

NAB
NAB Velocity Rewards Card
- 20,000 bonus Velocity Points. Conditions apply
- Earn Velocity Points on eligible everyday purchases
- Annual card fee $65
points per $ spent
1 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month
spend req syd-lon flight*
$125,000 (on Amex, or $250,000 on Visa)
annual fees
$65
Go to site

Click for more info

Commonwealth Bank
Commonwealth Bank Diamond Awards Credit Card
- Enjoy 0.0% p.a. on purchases for 10 months
- Earn up to 3 Awards points for every dollar spent on eligible purchases
- Earn up to 1 million Awards points each year
points per $ spent
3 points per dollar on Amex, 1.25 points per dollar on MasterCard, up to 1000000 points per year
spend req syd-lon flight*
$83,333 (on Amex, or $200,000 on MasterCard)
annual fees
$425$395 if CBA customer when applying
Go to site

Click for more info

American Express
American Express Velocity Escape Card
- 0.99% p.a. on balance transfers for the first 6 months
- No annual fee
- Earn 7,500 bonus Velocity Points. Limited time only, conditions apply
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-lon flight*
$125,000
annual fees
$0
Go to site

Click for more info

HSBC
HSBC Platinum Qantas
- 2 Qantas Club lounge passes every year at no extra cost
- 0.0% p.a. on balance transfers for 6 months. Conditions apply
- Additional card holder fee $0
points per $ spent
1 points per dollar on Visa, uncapped
spend req syd-lon flight*
$128,000
annual fees
$199
Go to site

Click for more info

close
Revealing rewards

How do we do it?

To work out the "Rewards value minus fees" in our Rewards Revealer we:
- calculate how many points you'd get each year,
- figure out how many flights or gift cards or cashback credits you could get for those points,
- work out what that's actually worth to you,
- take off the annual fee you'd pay.
More details:
- Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight including taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
- We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
- Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
- In products that have more than one card, a different mix of spend between American Express / Visa / MasterCard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
- We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
- To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Blue Blue Saver including baggage and Jetstar Jetsaver including baggage. We calculate the average price including taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Singapore, Virgin Atlantic and Malaysian, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
- Shopping rewards are based on $100 gift cards from a major national department store.
- We make every effort to ensure our calculations are correct and up to date but make no guarantees.
*how did we do it? find out...

Commonwealth Bank
Commonwealth Bank Gold Awards Credit Card
- Enjoy 0.0% p.a. on purchases for 10 months
- Earn up to 2 Awards points for every dollar spent on eligible purchases
- Up to 55 days interest free on purchases
points per $ spent
2 points per dollar on Amex, 1 points per dollar on MasterCard, up to 75000 points per year
1 points per dollar on Amex, 0 points per dollar on MasterCard, up to 125000 points per year
spend req syd-lon flight*
$206,250 (on Amex, or $312,500 on MasterCard)
privileges
Extended Warranty|Purchase Protection
Go to site

Click for more info

American Express
American Express Velocity Gold Card
- 0.99% p.a. on balance transfers for the first 6 months
- Enjoy a reduced first year annual Card fee of $99, apply by 31 October 2014
- Receive up to 15,000 bonus Velocity Points
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-lon flight*
$125,000
privileges
Travel Insurance|Purchase Protection|Account alerts by SMS
Go to site

Click for more info

close
Revealing rewards

How do we do it?

To work out the "Rewards value minus fees" in our Rewards Revealer we:
- calculate how many points you'd get each year,
- figure out how many flights or gift cards or cashback credits you could get for those points,
- work out what that's actually worth to you,
- take off the annual fee you'd pay.
More details:
- Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight including taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
- We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
- Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
- In products that have more than one card, a different mix of spend between American Express / Visa / MasterCard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
- We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
- To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Blue Blue Saver including baggage and Jetstar Jetsaver including baggage. We calculate the average price including taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Singapore, Virgin Atlantic and Malaysian, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
- Shopping rewards are based on $100 gift cards from a major national department store.
- We make every effort to ensure our calculations are correct and up to date but make no guarantees.
*how did we do it? find out...

Virgin Money
Virgin Money Virgin Australia Velocity High Flyer Card
- 1.9% p.a. for 12 months on balance transfers
- Earn up to 20,000 bonus Velocity Points
- Uncapped Velocity Points on everyday spend
points per $ spent
1.25 points per dollar on Visa, uncapped
spend req syd-lon flight*
$100,000
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection|Guaranteed Pricing
Go to site

Click for more info

Westpac
Westpac Altitude Black
- 0% p.a. on purchases for 12 months from card approval
- VIP access to airport lounges around the world
- Complimentary Priority Pass membership with two free visits per year to use at your choice of over 600 VIP airport lounges
points per $ spent
3 points per dollar on Amex, 1.25 points per dollar on MasterCard, uncapped
spend req syd-lon flight*
$83,333 (on Amex, or $200,000 on MasterCard)
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection
Go to site

Click for more info

HSBC
HSBC Platinum Qantas
- 2 Qantas Club lounge passes every year at no extra cost
- 0.0% p.a. on balance transfers for 6 months. Conditions apply
- Additional card holder fee $0
points per $ spent
1 points per dollar on Visa, uncapped
spend req syd-lon flight*
$128,000
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection|Guaranteed Pricing
Go to site

Click for more info

American Express
American Express Platinum Edge Credit Card
- 0.99% p.a. on balance transfers for the first 6 months. Conditions apply
- Annual domestic economy return flight
- Up to 55 days interest free on purchases
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-lon flight*
$125,000
privileges
Travel Insurance
Go to site

Click for more info

ANZ
ANZ Frequent Flyer Black
- 50,000 Bonus Qantas Points when you spend $1,500 on eligible purchases within the first 3 months
- Earn uncapped Qantas Points, conditions apply
- Complimentary travel and medical insurances included
points per $ spent
1.5 points per dollar on Amex, 0.75 points per dollar on Visa, uncapped
spend req syd-lon flight*
$85,333 (on Amex, or $170,667 on Visa)
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection
Go to site

Click for more info

NAB
NAB Qantas Rewards Premium Card
- Receive 40,000 bonus Qantas Points. Conditions apply
- Earn Qantas Points on eligible everyday purchases
- Up to 44 days interest free on purchases
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month
spend req syd-lon flight*
$85,333 (on Amex, or $256,000 on Visa)
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection
Go to site

Click for more info

ANZ
ANZ Rewards Black
- Earn 50,000 Bonus Points on your first eligible purchase
- $0 annual fee for the first year, apply by 27 October 2014
- Complimentary international travel insurance
points per $ spent
3 points per dollar on Amex, 2 points per dollar on Visa, uncapped
spend req syd-lon flight*
$93,750 (on Amex, or $140,625 on Visa)
privileges
Concierge|Travel Insurance|Commission-free Travellers Cheques|Extended Warranty|Purchase Protection|
Go to site

Click for more info

Westpac
Westpac Earth Black
- 20,000 Qantas Points for new cardholders after your first purchase and complimentary Qantas Lounge passes
- 0% p.a. on purchases for 12 months from card approval
- Offer ends 24 July 2014
points per $ spent
1.5 points per dollar on Amex, 0.625 points per dollar on MasterCard, uncapped
spend req syd-lon flight*
$85,333 (on Amex, or $204,800 on MasterCard)
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection
Go to site

Click for more info

American Express
American Express Velocity Platinum Card
- 0.99% p.a. on balance transfers for the first 6 months
- Earn up to 3 Velocity Points per $1 spent
- 50,000 bonus Velocity Points, limited time only
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-lon flight*
$125,000
privileges
Travel Insurance|Purchase Protection|Account alerts by SMS
Go to site

Click for more info

Westpac
Westpac Altitude Platinum (Rewards)
- 0% p.a. for 12 months on purchases from card approval
- Complimentary Overseas Travel Insurance
- Two cards linked to one account, apply by 24 July 2014
points per $ spent
2 points per dollar on Amex, 1 points per dollar on Visa, up to 7500 points per month
spend req syd-lon flight*
$125,000 (on Amex, or $250,000 on Visa)
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection
Go to site

Click for more info

St.George
St.George Amplify Signature (Qantas)
- Special offer 20,000 bonus points on new Amplify Signature cards when you apply by 30 September 2014
- 0.0% p.a. on balance transfers for 9 months
- Up to 55 interest free days on purchases
points per $ spent
0.75 points per dollar on Visa, uncapped
spend req syd-lon flight*
$170,667
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection|
Go to site

Click for more info

ANZ
ANZ Frequent Flyer Platinum
- 50,000 Bonus Qantas Points when you spend $1,500 on eligible purchases within the first 3 months
- Earn uncapped Qantas Points, conditions apply
- Complimentary travel and medical insurances included
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, uncapped
spend req syd-lon flight*
$85,333 (on Amex, or $256,000 on Visa)
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection
Go to site

Click for more info

Bank of Melbourne
Bank of Melbourne Amplify Signature (Qantas)
- Special offer 20,000 bonus points on new Amplify Signature cards when you apply by 30 September 2014
- 0.0% p.a. on balance transfers for 9 months
- Up to 55 interest free days on purchases
points per $ spent
0.75 points per dollar on Visa, uncapped
spend req syd-lon flight*
$170,667
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection|
Go to site

Click for more info

ANZ
ANZ Rewards Platinum
- Earn 50,000 Bonus Points on your first eligible purchase
- $0 annual fee for the first year, apply by 27 October 2014
- Complimentary travel and medical insurance
points per $ spent
3 points per dollar on Amex, 1.5 points per dollar on Visa, uncapped
spend req syd-lon flight*
$93,750 (on Amex, or $187,500 on Visa)
privileges
Concierge|Travel Insurance|Commission-free Travellers Cheques|Extended Warranty|Purchase Protection
Go to site

Click for more info

BankSA
BankSA Amplify Signature (Qantas)
- Special offer 20,000 bonus points on new Amplify Signature cards when you apply by 30 September 2014
- 0.0% p.a. on balance transfers for 9 months
- Up to 55 interest free days on purchases
points per $ spent
0.75 points per dollar on Visa, uncapped
spend req syd-lon flight*
$170,667
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection|
Go to site

Click for more info

NAB
NAB Velocity Rewards Premium Card
- 40,000 bonus Velocity Points. Conditions apply
- Earn Velocity Points on eligible everyday purchases
- Up to 44 days interest free on purchases
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $100,000 per month
spend req syd-lon flight*
$83,333 (on Amex, or $250,000 on Visa)
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection
Go to site

Click for more info

Commonwealth Bank
Commonwealth Bank Platinum Awards Credit Card
- Enjoy 0.0% p.a. on purchases for 10 months
- Earn up to 2.5 Awards points for every dollar spent on eligible purchases
- Up to 55 days interest free on purchases
points per $ spent
2.5 points per dollar on Amex, 1 points per dollar on MasterCard, up to 150000 points per year
1 points per dollar on Amex, 0 points per dollar on MasterCard, up to 250000 points per year
spend req syd-lon flight*
$160,000 (on Amex, or $250,000 on MasterCard)
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection
Go to site

Click for more info

American Express
American Express Platinum Rewards Credit Card
- 5,000 Membership Reward points when you spend over $500 in the first 2 months
- % p.a. on balance transfers for 6 months for new cardmembers
- No annual fee for the first year
points per $ spent
1 points per dollar on Amex, up to 150000 points per year
0.5 points per dollar on Amex, uncapped
spend req syd-lon flight*
$125,000
privileges
Purchase Protection|
Go to site

Click for more info

St.George
St.George Amplify Platinum (Qantas)
- Special offer 10,000 bonus points on new Amplify Platinum cards when you apply by 30 September 2014
- 0.0% p.a. on balance transfers for 9 months
- Up to 55 interest free days on purchases
points per $ spent
0.5 points per dollar on Visa, uncapped
spend req syd-lon flight*
$256,000
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection|
Go to site

Click for more info

American Express
American Express Qantas Premium Card
- 0.99% p.a. on balance transfers for the first 6 months
- Receive up to 30,000 extra Qantas Points
- Enjoy 2 Qantas Club Lounge invitations every year
points per $ spent
1 points per dollar on Amex, uncapped
spend req syd-lon flight*
$128,000
privileges
Travel Insurance|Purchase Protection|Account alerts by SMS|Two Qantas Club invitations per year when you spend at Qantas.
Go to site

Click for more info

Bank of Melbourne
Bank of Melbourne Amplify Platinum (Qantas)
- Special offer 10,000 bonus points on new Amplify Platinum cards when you apply by 30 September 2014
- 0.0% p.a. on balance transfers for 9 months
- Up to 55 interest free days on purchases
points per $ spent
0.5 points per dollar on Visa, uncapped
spend req syd-lon flight*
$256,000
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection|
Go to site

Click for more info

BankSA
BankSA Amplify Platinum (Qantas)
- Special offer 10,000 bonus points on new Amplify Platinum cards when you apply by 30 September 2014
- 0.0% p.a. on balance transfers for 9 months
- Up to 55 interest free days on purchases
points per $ spent
0.5 points per dollar on Visa, uncapped
spend req syd-lon flight*
$256,000
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection|
Go to site

Click for more info

Commonwealth Bank
Commonwealth Bank Diamond Awards Credit Card
- Enjoy 0.0% p.a. on purchases for 10 months
- Earn up to 3 Awards points for every dollar spent on eligible purchases
- Earn up to 1 million Awards points each year
points per $ spent
3 points per dollar on Amex, 1.25 points per dollar on MasterCard, up to 1000000 points per year
spend req syd-lon flight*
$83,333 (on Amex, or $200,000 on MasterCard)
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection
Go to site

Click for more info

Westpac
Westpac Singapore Airlines Platinum
- 10,000 bonus points
- 0.99% p.a. on balance transfers for 6 months
- Complimentary insurance covers
points per $ spent
1.5 points per dollar on Amex, 0.5 points per dollar on Visa, uncapped
spend req syd-lon flight*
$66,667 (on Amex, or $200,000 on Visa)
privileges
Concierge|Travel Insurance|Extended Warranty|Purchase Protection
Go to site

Click for more info

close
Revealing rewards

How do we do it?

To work out the "Rewards value minus fees" in our Rewards Revealer we:
- calculate how many points you'd get each year,
- figure out how many flights or gift cards or cashback credits you could get for those points,
- work out what that's actually worth to you,
- take off the annual fee you'd pay.
More details:
- Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight including taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
- We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
- Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
- In products that have more than one card, a different mix of spend between American Express / Visa / MasterCard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
- We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
- To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Blue Blue Saver including baggage and Jetstar Jetsaver including baggage. We calculate the average price including taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Singapore, Virgin Atlantic and Malaysian, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
- Shopping rewards are based on $100 gift cards from a major national department store.
- We make every effort to ensure our calculations are correct and up to date but make no guarantees.
*how did we do it? find out...

Top 5 Lowest interest rate

- based on ongoing interest rate

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all credit cards
big banks

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10.99%
Virgin Money
– Low Rate Card
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11.99%
Bankwest
– Breeze
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13.24%
Bank of Melbourne
– Vertigo
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13.24%
St.George
– Vertigo
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13.49%
Westpac
– Low Rate

8.99%
Community First
– McGrath Pink Visa
9.99%
Victoria Teachers Mutual Bank
– Visa Platinum Credit Card
10.12%
Maritime, Mining & Power Credit Union
– Visa Credit Card
10.14%
bankmecu
– Low Rate
10.49%
SCU
– Low Rate Visa Credit Card

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13.49%
ANZ
– Low Rate
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13.49%
Commonwealth Bank
– Low Rate Credit Card
Go to site

13.49%
Westpac
– Low Rate
Go to site

13.99%
NAB
– Low Rate Card

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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Mozo Legals:

Bonus points	Earn 2 Points per dollar when you use your card for purchases in Australia with Virgin Australia group of airlines.
Expiry	Never
Points earning	1 points per dollar on Amex, uncapped
Points required	9900 points buys a Virgin Australia Syd-Mel flight

Bonus points	Earn 2 points per dollar on eligible Qantas products and services in Australia.
Expiry	Never
Points earning	1 points per dollar on Amex, uncapped
Points required	14000 points buys a Qantas Syd-Mel flight

Bonus points	Earn bonus points at a wide range of partners
Expiry	Never
Points earning	1 points per dollar on Amex, up to 150000 points per year 0.5 points per dollar on Amex, uncapped
Points required	1 points buys 1.0 Velocity Points; 125000 Velocity Points buys a Velocity partner London flight

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