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Rewards Credit Cards

With over 190 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.

Rewards credit card comparisons Rates updated daily

  • American Express Essential Credit Card

    American Express Essential Credit Card

    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    14.99%

    annual fees

    $0

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    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee
    Product info
    • Intro rate:
    • Interest rate on cash withdrawals:
    • Interest free days: 55
    • Rewards program: Gateway Membership Rewards
    • Bonus points:
    • Balance transfer rate: 0% for 12 months
    • Flight options: Flights available with Cathay Pacific, Singapore Airlines, Thai Airways, Air New Zealand, Emirates, Virgin, Malaysia Airlines and other partners.
    • Expiry: Never
    • Points earning: 1 point per dollar on Amex, uncapped
    • Points required: 1 points buys 0.75 Velocity Points; 6900 Velocity Points buys a Virgin Australia Syd-Mel flight
      1 points buys 0.75 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
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  • ANZ Rewards

    ANZ Rewards

    • 25,000 Reward Points when you spend $2,500 on eligible purchases within the first three months
    • No Annual fee for the first year
    • Terms and conditions, fees and charges apply

    points per $ spent

    1.5 points per dollar on Amex, 0.75 points per dollar on Visa, uncapped

    Interest rate

    18.79%

    annual fees

    $80 $0 in the first 1 year

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    • 25,000 Reward Points when you spend $2,500 on eligible purchases within the first three months
    • No Annual fee for the first year
    • Terms and conditions, fees and charges apply
    Product info
    • 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:
    • Flight options: You can get flights via Velocity, Air New Zealand or KrisFlyer.
    • Expiry: 36 months
    • Points earning: 1.5 points per dollar on Amex, 0.75 points per dollar on Visa, uncapped
    • Points required: 1 points buys 0.5 Velocity Points; 6900 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
      22225 points buys a Myer $100 Gift Card
      25000 points buys a $100 credit
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  • American Express Platinum Edge Credit Card

    American Express Platinum Edge Credit Card

    • $195 annual fee
    • Complimentary domestic economy return flight
    • Up to 3 points per dollar spent on eligible purchases

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    20.74%

    annual fees

    $195 $0 in the first 1 year

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    • $195 annual fee
    • Complimentary domestic economy return flight
    • Up to 3 points per dollar spent on eligible purchases
    Product info
    • 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% for 12 months (1.00% balance transfer fee)
    • Flight options: 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 point per dollar on Amex, uncapped
    • Points required: 1 points buys 1 Velocity Points; 6900 Velocity Points buys a Virgin Australia Syd-Mel flight
      1 points buys 1 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
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  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 75,000 Qantas Points when you spend $2,500 on eligible purchases within the first three months
    • No Annual fee for the first year
    • Terms and conditions, fees and charges apply

    points per $ spent

    1.5 points per dollar on Amex, 0.75 points per dollar on Visa, uncapped

    Interest rate

    19.99%

    annual fees

    $425 $0 in the first 1 year

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    • 75,000 Qantas Points when you spend $2,500 on eligible purchases within the first three months
    • No Annual fee for the first year
    • Terms and conditions, fees and charges apply
    Product info
    • 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:
    • Flight options: All rewards are redeemed via Qantas Frequent Flyer.
    • Expiry: Never
    • Points earning: 1.5 points per dollar on Amex, 0.75 points per dollar on Visa, uncapped
    • Points required: 8000 points buys a Qantas Syd-Mel flight
      120000 points buys a Qantas London flight
      17250 points buys a Myer $100 Gift Card
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  • HSBC Platinum Credit Card

    HSBC Platinum Credit Card

    • Offer available to new customers who apply by 30th June 2016
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases
    • 0% p.a. on balance transfers for 15 months. Conditions apply

    points per $ spent

    1 point per dollar on Visa, uncapped

    Interest rate

    19.99%

    annual fees

    $149 Refunded when you spend over $6,000 p.a

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    • Offer available to new customers who apply by 30th June 2016
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases
    • 0% p.a. on balance transfers for 15 months. Conditions apply
    Product info
    • Intro rate:
    • Interest rate on cash withdrawals: 21.99%
    • Interest free days: 55
    • Rewards program: Rewards Plus
    • Bonus points: Earn bonus points at 15 bonus partners including HSBC Travel Plus.
    • Balance transfer rate: 0% for 15 months and then 21.99%
    • Flight options: You can choose to transfer points to airline programs including AsiaMiles, Singapore Airlines KrisFlyer and Velocity Points.
    • Expiry: 36 months
    • Points earning: 1 point per dollar on Visa, uncapped
    • Points required: 1 points buys 0.5 Velocity Points; 6900 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
      20000 points buys a Myer $100 Gift Card
      30000 points buys a $100 credit
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  • American Express Velocity Escape Card

    American Express Velocity Escape Card

    • 0% p.a. on balance transfers for the first 12 months
    • No annual fee
    • Earn up to 7,500 bonus Velocity Points, limited time only

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    20.74%

    annual fees

    $0

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    • 0% p.a. on balance transfers for the first 12 months
    • No annual fee
    • Earn up to 7,500 bonus Velocity Points, limited time only
    Product info
    • Intro rate:
    • Interest rate on cash withdrawals:
    • Interest free days: 44
    • Rewards program: Velocity Rewards
    • Bonus points: Earn 2 Points per dollar when you use your card for purchases in Australia with Virgin Australia group of airlines.
    • Balance transfer rate: 0% for 12 months (1.00% balance transfer fee)
    • Flight options: Flights available with Virgin, Air New Zealand, Etihad Airways, Singapore Airlines and other partners.
    • Expiry: Never
    • Points earning: 1 point per dollar on Amex, uncapped
    • Points required: 6900 points buys a Virgin Australia Syd-Mel flight
      125000 points buys a Velocity partner London flight
      18000 points buys a Myer $100 Gift Card
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  • Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    • 0% p.a. on balance transfers for 14 months
    • Earn 10,000 bonus Velocity Points when you spend $5,000 or more on retail purchases within the first 3 months
    • Half annual fee in the first year, a saving of $65

    points per $ spent

    0.66 points per dollar on Visa, up to $1,500 per month, then
    0.5 points per dollar on Visa, uncapped

    Interest rate

    20.74%

    annual fees

    $129 $64 in the first 1 year

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    • 0% p.a. on balance transfers for 14 months
    • Earn 10,000 bonus Velocity Points when you spend $5,000 or more on retail purchases within the first 3 months
    • Half annual fee in the first year, a saving of $65
    Product info
    • Intro rate:
    • Interest rate on cash withdrawals: 20.99%
    • Interest free days: 44
    • Rewards program: Velocity Rewards
    • Bonus points:
    • Balance transfer rate: 0% for 14 months and then 20.99%
    • Flight options: One $129 Virgin Australia Gift Voucher each year for Primary Cardholders only. Eligibility starts 30 days after card approval in first year and 30 days after card anniversary thereafter, provided a retail purchase is made within 2 months prior to requesting the voucher, account is active and in good order and customer is a Velocity Frequent Flyer Member.
    • Expiry: Never
    • Points earning: 0.66 points per dollar on Visa, up to $1,500 per month, then
      0.5 points per dollar on Visa, uncapped
    • Points required: 6900 points buys a Virgin Australia Syd-Mel flight
      125000 points buys a Velocity partner London flight
      18000 points buys a Myer $100 Gift Card
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  • HSBC Platinum Qantas Credit Card

    HSBC Platinum Qantas Credit Card

    • 40,000 bonus Qantas Points when you apply by 30th June 2016. Conditions apply
    • 0% p.a. on balance transfers for 6 months. Conditions apply
    • $0 additional cardholder fee

    points per $ spent

    1 point per dollar on Visa, up to $2,500 per month, then
    0.5 points per dollar on Visa, uncapped

    Interest rate

    19.99%

    annual fees

    $199

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    More info

    • 40,000 bonus Qantas Points when you apply by 30th June 2016. Conditions apply
    • 0% p.a. on balance transfers for 6 months. Conditions apply
    • $0 additional cardholder fee
    Product info
    • Intro rate:
    • Interest rate on cash withdrawals: 21.99%
    • Interest free days: 55
    • Rewards program: Qantas Frequent Flyer
    • Bonus points:
    • Balance transfer rate: 0% for 6 months and then 21.99%
    • Flight options: All rewards redeemed via Qantas Frequent Flyer.
    • Expiry: Never
    • Points earning: 1 point per dollar on Visa, up to $2,500 per month, then
      0.5 points per dollar on Visa, uncapped
    • Points required: 8000 points buys a Qantas Syd-Mel flight
      120000 points buys a Qantas London flight
      17250 points buys a Myer $100 Gift Card
    Need more information?
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  • Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate Offer

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 12 months
    • Enjoy an exclusive annual flight benefit. Conditions apply

    points per $ spent

    0.66 points per dollar on Visa, up to $1,500 per month, then
    0.5 points per dollar on Visa, uncapped

    Interest rate

    20.74%

    annual fees

    $129

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    More info

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 12 months
    • Enjoy an exclusive annual flight benefit. Conditions apply
    Product info
    • Intro rate: 0% for 12 months
    • Interest rate on cash withdrawals: 20.99%
    • Interest free days: 44
    • Rewards program: Velocity Rewards
    • Bonus points:
    • Balance transfer rate: 0% for 6 months and then 20.99%
    • Flight options: One $129 Virgin Australia Gift Voucher each year for Primary Cardholders only. Eligibility starts 30 days after card approval in first year and 30 days after card anniversary thereafter, provided a retail purchase is made within 2 months prior to requesting the voucher, account is active and in good order and customer is a Velocity Frequent Flyer Member.
    • Expiry: Never
    • Points earning: 0.66 points per dollar on Visa, up to $1,500 per month, then
      0.5 points per dollar on Visa, uncapped
    • Points required: 6900 points buys a Virgin Australia Syd-Mel flight
      125000 points buys a Velocity partner London flight
      18000 points buys a Myer $100 Gift Card
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  • ANZ Rewards Black

    ANZ Rewards Black

    • 75,000 Reward Points when you spend $2,500 on eligible purchases within the first three months
    • No Annual fee for the first year
    • Terms and conditions, fees and charges apply

    points per $ spent

    3 points per dollar on Amex, 1.25 points per dollar on Visa, uncapped

    Interest rate

    18.79%

    annual fees

    $375 $0 in the first 1 year

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    • 75,000 Reward Points when you spend $2,500 on eligible purchases within the first three months
    • No Annual fee for the first year
    • Terms and conditions, fees and charges apply
    Product info
    • 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:
    • Flight options: You can get flights via Velocity, Air New Zealand or KrisFlyer.
    • Expiry: 36 months
    • Points earning: 3 points per dollar on Amex, 1.25 points per dollar on Visa, uncapped
    • Points required: 1 points buys 0.5 Velocity Points; 6900 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
      22225 points buys a Myer $100 Gift Card
      25000 points buys a $100 credit
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  • NAB Velocity Rewards Card

    NAB Velocity Rewards Card

    • 10,000 bonus points when you make an everyday purchase in the first 90 days
    • 0% p.a. on balance transfers for 15 months (2% balance transfer fee)
    • Low $95 Annual Fee.

    points per $ spent

    1 point per dollar on Amex, 0.5 points per dollar on Visa, up to $20,000 per month

    Interest rate

    19.99%

    annual fees

    $95

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    • 10,000 bonus points when you make an everyday purchase in the first 90 days
    • 0% p.a. on balance transfers for 15 months (2% balance transfer fee)
    • Low $95 Annual Fee.
    Product info
    • Intro rate: 0% for 15 months
    • 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: 0% for 15 months (2.00% balance transfer fee)
    • Flight options: All rewards are redeemed via Velocity.
    • Expiry: Never
    • Points earning: 1 point per dollar on Amex, 0.5 points per dollar on Visa, up to $20,000 per month
    • Points required: 6900 points buys a Virgin Australia Syd-Mel flight
      125000 points buys a Velocity partner London flight
      18000 points buys a Myer $100 Gift Card
    Need more information?
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  • American Express Qantas Discovery Card

    American Express Qantas Discovery Card

    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 12 months
    • Receive up to 7,500 Qantas Points

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    20.74%

    annual fees

    $0

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    More info

    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 12 months
    • Receive up to 7,500 Qantas Points
    Product info
    • Intro rate:
    • Interest rate on cash withdrawals:
    • Interest free days: 44
    • Rewards program: Qantas Frequent Flyer
    • Bonus points: Earn 2 points per $1 on eligible Qantas products and services in Australia.
    • Balance transfer rate: 0% for 12 months (1.00% balance transfer fee)
    • Flight options: All rewards are redeemed via Qantas Frequent Flyer.
    • Expiry: Never
    • Points earning: 1 point per dollar on Amex, uncapped
    • Points required: 8000 points buys a Qantas Syd-Mel flight
      120000 points buys a Qantas London flight
      17250 points buys a Myer $100 Gift Card
    Need more information?
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  • ANZ Frequent Flyer Platinum

    ANZ Frequent Flyer Platinum

    • 50,000 Qantas Points when you spend $2,500 on eligible purchases within the first three months
    • No Annual fee for the first year
    • Terms and conditions, fees and charges apply

    points per $ spent

    1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $6,000 per month

    Interest rate

    19.99%

    annual fees

    $295 $0 in the first 1 year

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    • 50,000 Qantas Points when you spend $2,500 on eligible purchases within the first three months
    • No Annual fee for the first year
    • Terms and conditions, fees and charges apply
    Product info
    • 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:
    • Flight 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, up to $6,000 per month
    • Points required: 8000 points buys a Qantas Syd-Mel flight
      120000 points buys a Qantas London flight
      17250 points buys a Myer $100 Gift Card
    Need more information?
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  • NAB Velocity Rewards Premium Card

    NAB Velocity Rewards Premium Card

    • 20,000 bonus points when you make an everyday purchase in the first 90 days
    • 0%p.a. on balance transfer for 15 months (balance transfer fee applies)

    points per $ spent

    1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $20,000 per month

    Interest rate

    19.99%

    annual fees

    $150

    Go to site

    More info

    • 20,000 bonus points when you make an everyday purchase in the first 90 days
    • 0%p.a. on balance transfer for 15 months (balance transfer fee applies)
    Product info
    • Intro rate: 0% for 15 months
    • 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: 0% for 15 months (2.00% balance transfer fee)
    • Flight options: All rewards are redeemed via Velocity.
    • Expiry: Never
    • Points earning: 1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $20,000 per month
    • Points required: 6900 points buys a Virgin Australia Syd-Mel flight
      125000 points buys a Velocity partner London flight
      18000 points buys a Myer $100 Gift Card
    Need more information?
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  • American Express Velocity Platinum Card

    American Express Velocity Platinum Card

    • 0% p.a. on balance transfers for the first 12 months
    • Earn up to 3 points per dollar spent on eligible purchases
    • Earn up to 50,000 bonus Velocity Points

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    20.74%

    annual fees

    $349

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    More info

    • 0% p.a. on balance transfers for the first 12 months
    • Earn up to 3 points per dollar spent on eligible purchases
    • Earn up to 50,000 bonus Velocity Points
    Product info
    • 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% for 12 months (1.00% balance transfer fee)
    • Flight options: Flights available with Virgin, Air New Zealand, Etihad Airways, Singapore Airlines and other partners.
    • Expiry: Never
    • Points earning: 1 point per dollar on Amex, uncapped
    • Points required: 6900 points buys a Virgin Australia Syd-Mel flight
      125000 points buys a Velocity partner London flight
      18000 points buys a Myer $100 Gift Card
    Need more information?
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  • St.George Amplify Platinum (Qantas)

    St.George Amplify Platinum (Qantas)

    • 0.99% p.a. on purchases for the first 4 months
    • 0% p.a. on balance transfers for 18 months
    • Double points on international spend

    points per $ spent

    0.5 points per dollar on Visa, uncapped

    Interest rate

    19.49%

    annual fees

    $99 $0 in the first year for existing St.George customers

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    More info

    • 0.99% p.a. on purchases for the first 4 months
    • 0% p.a. on balance transfers for 18 months
    • Double points on international spend
    Product info
    • Intro rate: 0.99% for 4 months
    • Interest rate on cash withdrawals: 20.24%
    • Interest free days: 55
    • Rewards program: Qantas
    • Bonus points: Earn double points at overseas merchants.
    • Balance transfer rate: 0% for 18 months
    • Flight options: All rewards are redeemed via Qantas Frequent Flyer.
    • Expiry: Never
    • Points earning: 0.5 points per dollar on Visa, uncapped
    • Points required: 8000 points buys a Qantas Syd-Mel flight
      120000 points buys a Qantas London flight
      17250 points buys a Myer $100 Gift Card
    Need more information?
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  • Virgin Money Virgin Australia Velocity High Flyer Card

    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
    • 1/2 annual fee in the first year

    points per $ spent

    1 point per dollar on Visa, up to $10,000 per month, then
    0.5 points per dollar on Visa, uncapped

    Interest rate

    20.74%

    annual fees

    $289 $144 in the first 1 year

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    More info

    • 1.9% p.a. for 12 months on balance transfers
    • Earn up to 20,000 bonus Velocity Points
    • 1/2 annual fee in the first year
    Product info
    • 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 20.99%
    • Flight options: One $129 Virgin Australia Gift Voucher each year for Primary Cardholders only. Eligibility starts 30 days after card approval in first year and 30 days after card anniversary thereafter, provided a retail purchase is made within 2 months prior to requesting the voucher, account is active and in good order and customer is a Velocity Frequent Flyer Member.
    • Expiry: Never
    • Points earning: 1 point per dollar on Visa, up to $10,000 per month, then
      0.5 points per dollar on Visa, uncapped
    • Points required: 6900 points buys a Virgin Australia Syd-Mel flight
      125000 points buys a Velocity partner London flight
      18000 points buys a Myer $100 Gift Card
    Need more information?
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