Compare 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 comparisonsRates updated daily

  • American Express Essential Credit Card

    American Express Essential Credit Card

    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee
    • 0% p.a. on balance transfers for the first 12 months

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    14.99%

    annual fees

    $0

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    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee
    • 0% p.a. on balance transfers for the first 12 months
    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
    • Filght options: Flights available with Cathay Pacific, Singapore Airlines, Thair 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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  • Bank of Melbourne Amplify Signature (Rewards)

    Bank of Melbourne Amplify Signature (Rewards)

    • 19.49% p.a. on purchases
    • 0% p.a. on balance transfers for 20 months
    • Complimentary lounge passes

    points per $ spent

    1.5 points per dollar on Visa, uncapped

    Interest rate

    19.49%

    annual fees

    $279

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    • 19.49% p.a. on purchases
    • 0% p.a. on balance transfers for 20 months
    • Complimentary lounge passes
    Product info
    • Intro rate:
    • Interest rate on cash withdrawals: 20.24%
    • 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% for 20 months and then 20.24%
    • 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; 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
      18200 points buys a Myer $100 Gift Card
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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:
    • Filght 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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  • 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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    • 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)
    • Filght 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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  • 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:
    • Filght options: You can get flights via Velocity, Air New Zealand or KrisFlyer.
    • Expiry: 36 months
    • Points earning: 3 points per dollar on Amex, 1.25 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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  • Westpac Altitude Black - Online Only Offer (Rewards)

    Westpac Altitude Black - Online Only Offer (Rewards)

    • 0.99% p.a. on purchases for up to 3 months
    • 0% p.a. for 20 months on balance transfers when requested at card application
    • Dedicated Westpac Concierge service and access to exclusive Black Card Concierge App

    points per $ spent

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

    Interest rate

    20.24%

    annual fees

    $395

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    • 0.99% p.a. on purchases for up to 3 months
    • 0% p.a. for 20 months on balance transfers when requested at card application
    • Dedicated Westpac Concierge service and access to exclusive Black Card Concierge App
    Product info
    • Intro rate: 0.99% for 3 months
    • Interest rate on cash withdrawals: 20.74%
    • 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: 0% for 20 months (2.00% balance transfer fee)
    • 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; 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
      19000 points buys a Myer $100 Gift Card
      49200 points buys a $295 Annual Fee Rebate
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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)
    • Filght 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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  • 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

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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)
    • Filght 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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  • 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

    1 point 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%
    • Filght options: Exclusive Reduced Flights Benefit when you and a friend travel together on Virgin Australia domestic Saver fares up to 4 times a year.
    • Expiry: Never
    • Points earning: 1 point 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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  • Bankwest More Platinum MasterCard

    Bankwest More Platinum MasterCard

    • 2.99% p.a on balance transfers for 9 months
    • Receive up to 80,000 introductory bonus rewards points
    • No foreign transaction fees on online and overseas purchases

    points per $ spent

    2 points per dollar on MasterCard, up to 400000 points per year

    Interest rate

    19.99%

    annual fees

    $140

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    • 2.99% p.a on balance transfers for 9 months
    • Receive up to 80,000 introductory bonus rewards points
    • No foreign transaction fees on online and overseas purchases
    Product info
    • Intro rate:
    • Interest rate on cash withdrawals: 21.99%
    • Interest free days: 55
    • Rewards program: More Rewards
    • Bonus points: Bonus points available from selected partner merchants.
    • Balance transfer rate: 2.99% for 9 months
    • Filght options: Rewards are redeemed via Flight Centre or Virgin Australia vouchers.
    • Expiry: 36 months
    • Points earning: 2 points per dollar on MasterCard, up to 400000 points per year
    • Points required: 40320 points required. 28000 points buys a $100 Flight Centre travel voucher; assumed flight cost is $144
      567600 points required. 258000 points buys a $1,000 Flight Centre travel voucher; assumed flight cost is $2200
      28000 points buys a Myer $100 Gift Card
      36000 points buys a $100 credit
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  • St.George Amplify Platinum (Qantas)

    St.George Amplify Platinum (Qantas)

    • 19.49% p.a. on purchases
    • 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

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    • 19.49% p.a. on purchases
    • 0% p.a. on balance transfers for 18 months
    • Double points on international spend
    Product info
    • Intro rate:
    • 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 and then 20.24%
    • Filght 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
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  • NAB Velocity Rewards Premium Card

    NAB Velocity Rewards Premium Card

    • 4.99% p.a. on balance transfers for 6 months and Earn Velocity Points on everyday purchases
    • 7 complementary insurances including Overseas Travel Insurance.
    • Access to Platinum Concierge Service, your own 24 hour, 7 day personal assistant & the 24/7 NAB Service Centre

    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

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    • 4.99% p.a. on balance transfers for 6 months and Earn Velocity Points on everyday purchases
    • 7 complementary insurances including Overseas Travel Insurance.
    • Access to Platinum Concierge Service, your own 24 hour, 7 day personal assistant & the 24/7 NAB Service Centre
    Product info
    • 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: 1.5 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
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  • ANZ Rewards Platinum

    ANZ Rewards Platinum

    • 50,000 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

    2 points per dollar on Amex, 1 point per dollar on Visa, uncapped

    Interest rate

    18.79%

    annual fees

    $95 $0 in the first 1 year

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    • 50,000 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:
    • 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 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
      22225 points buys a Myer $100 Gift Card
      25000 points buys a $100 credit
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  • HSBC Platinum Credit Card

    HSBC Platinum Credit Card

    • Offer available to new customers who apply by 30 April 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 30 April 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%
    • Filght 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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  • NAB Qantas Rewards Card

    NAB Qantas Rewards Card

    • 30,000 bonus Qantas Points when you spend $1,500 on everyday purchases within the first 90 days.
    • 4.99% p.a on balance transfers for 6 months.
    • Complimentary Purchase Protection Insurance and Qantas Frequent Flyer membership

    points per $ spent

    1 point per dollar on Amex, 0.5 points per dollar on MasterCard, up to $50,000 per month

    Interest rate

    19.99%

    annual fees

    $95

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    • 30,000 bonus Qantas Points when you spend $1,500 on everyday purchases within the first 90 days.
    • 4.99% p.a on balance transfers for 6 months.
    • Complimentary Purchase Protection Insurance and Qantas Frequent Flyer membership
    Product info
    • 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 point per dollar on Amex, 0.5 points per dollar on MasterCard, up to $50,000 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
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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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    • 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)
    • Filght 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
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  • NAB Qantas Rewards Premium Card

    NAB Qantas Rewards Premium Card

    • 4.99% p.a. on balance transfers for 6 months plus 60,000 Bonus points
    • Earn Qantas Points on everyday purchases and take advantage of added platinum benefits.
    • Seven complimentary insurances including overseas travel insurance & access to the 24/7 Platinum Concierge Service

    points per $ spent

    1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $50,000 per month

    Interest rate

    19.99%

    annual fees

    $250

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    • 4.99% p.a. on balance transfers for 6 months plus 60,000 Bonus points
    • Earn Qantas Points on everyday purchases and take advantage of added platinum benefits.
    • Seven complimentary insurances including overseas travel insurance & access to the 24/7 Platinum Concierge Service
    Product info
    • 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: 1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $50,000 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
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