Rewards credit cards
Rewards cards earn flexible points on everyday spending that you can redeem for gift cards, cashback, merchandise or transfer to airline partners.
- Earn flexible points on every purchase
- Redeem your way with cashback, gift cards or travel
- Shopping and purchase protections often included
Featured
Kogan Money Credit Card - Balance Transfer Exclusive Offer
0 reviews
- No annual fee
- 0% p.a. on balance transfers for 18 months
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How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
125 cards
| Card | Name and rating | Rewards program | Earn rate | Sign-up bonus | Annual fee | Est. points / yr | |
|---|---|---|---|---|---|---|---|
| Kogan Rewards Program | 1 pt per $1 spent | — | $0 | 36,000 ptsWorth $180 | ||
 | Qantas Money Platinum 0 reviews | Qantas Frequent Flyer | 1 pt per $1 spent | 120,000 pts | $349 | 156,000 ptsWorth $1,872 | |
 | Latitude Rewards | — | — | $0 | |||
 | Coles Rewards Mastercard 0 reviews | Flybuys / Velocity Frequent Flyer | 2 pt per $1 spent | — | $99 | 72,000 ptsWorth $720 | |
 | Qantas Money Everyday 0 reviews | Qantas Frequent Flyer | 0.75 pt per $1 spent | 8,000 pts | $99 | 35,000 ptsWorth $420 | |
 | NAB Qantas Rewards Signature Card 0 reviews | Qantas Frequent Flyer | 1 pt per $1 spent | 130,000 pts | $420 | 166,000 ptsWorth $1,992 | |
 | Coles No Annual Fee Mastercard 0 reviews | Flybuys / Velocity Frequent Flyer | 0.5 pt per $1 spent | — | $0 | 18,000 ptsWorth $180 | |
 | American Express Membership Rewards / Velocity Frequent Flyer | 2 pt per $1 spent | 75,000 pts | $395 | 147,000 ptsWorth $1,470 | ||
 | Velocity Frequent Flyer | 1.25 pt per $1 spent | 50,000 pts | $440 | 95,000 ptsWorth $950 | ||
 | Qantas Frequent Flyer | 1.25 pt per $1 spent | 50,000 pts | $450 | 95,000 ptsWorth $1,140 | ||
 | American Express Platinum Card 0 reviews | American Express Membership Rewards / Qantas Frequent Flyer,Velocity Frequent Flyer | 2.25 pt per $1 spent | 200,000 pts | $1,450 | 281,000 ptsWorth $3,372 | |
 | ANZ Rewards Platinum 0 reviews | ANZ Rewards Program / Velocity Frequent Flyer | 1.5 pt per $1 spent | 125,000 pts | $94 | 179,000 ptsWorth $1,790 | |
 | American Express Membership Rewards / Qantas Frequent Flyer,Velocity Frequent Flyer | 2.25 pt per $1 spent | 390,000 pts | $1,750 | 471,000 ptsWorth $5,652 | ||
 | ANZ Rewards Program / Velocity Frequent Flyer | 1.5 pt per $1 spent | 80,000 pts | $94 | 134,000 ptsWorth $1,340 | ||
 | Qantas Money Titanium 0 reviews | Qantas Frequent Flyer | 1.25 pt per $1 spent | 150,000 pts | $1,200 | 195,000 ptsWorth $2,340 | |
 | Qantas Business Rewards / Qantas Frequent Flyer | 1.25 pt per $1 spent | 170,000 pts | $450 | 215,000 ptsWorth $2,580 | ||
 | ANZ Rewards Black Credit Card 0 reviews | ANZ Rewards Program / Velocity Frequent Flyer | 2 pt per $1 spent | 180,000 pts | $320 | 252,000 ptsWorth $2,520 | |
 | Westpac Altitude Velocity Black 0 reviews | Velocity Frequent Flyer | 0.5 pt per $1 spent | 150,000 pts | $295 | 168,000 ptsWorth $1,680 | |
 | Westpac Altitude Qantas Black 0 reviews | Qantas Frequent Flyer | 0.5 pt per $1 spent | 150,000 pts | $295 | 168,000 ptsWorth $2,016 | |
 | Velocity Frequent Flyer | 1 pt per $1 spent | 150,000 pts | $249 | 186,000 ptsWorth $1,860 |
- Rewards program
- Kogan Rewards Program
- Earn rate
- 1 pt per $1 spent
- Sign-up bonus
- —
- Annual fee
- $0
- Est. points / yr
- 36,000 ptsWorth $180
Qantas Money Platinum
0 reviews
- Rewards program
- Qantas Frequent Flyer
- Earn rate
- 1 pt per $1 spent
- Sign-up bonus
- 120,000 pts
- Annual fee
- $349
- Est. points / yr
- 156,000 ptsWorth $1,872
- Rewards program
- Latitude Rewards
- Earn rate
- —
- Sign-up bonus
- —
- Annual fee
- $0
Coles Rewards Mastercard
0 reviews
- Rewards program
- Flybuys / Velocity Frequent Flyer
- Earn rate
- 2 pt per $1 spent
- Sign-up bonus
- —
- Annual fee
- $99
- Est. points / yr
- 72,000 ptsWorth $720
Qantas Money Everyday
0 reviews
- Rewards program
- Qantas Frequent Flyer
- Earn rate
- 0.75 pt per $1 spent
- Sign-up bonus
- 8,000 pts
- Annual fee
- $99
- Est. points / yr
- 35,000 ptsWorth $420
NAB Qantas Rewards Signature Card
0 reviews
- Rewards program
- Qantas Frequent Flyer
- Earn rate
- 1 pt per $1 spent
- Sign-up bonus
- 130,000 pts
- Annual fee
- $420
- Est. points / yr
- 166,000 ptsWorth $1,992
Coles No Annual Fee Mastercard
0 reviews
- Rewards program
- Flybuys / Velocity Frequent Flyer
- Earn rate
- 0.5 pt per $1 spent
- Sign-up bonus
- —
- Annual fee
- $0
- Est. points / yr
- 18,000 ptsWorth $180
- Rewards program
- American Express Membership Rewards / Velocity Frequent Flyer
- Earn rate
- 2 pt per $1 spent
- Sign-up bonus
- 75,000 pts
- Annual fee
- $395
- Est. points / yr
- 147,000 ptsWorth $1,470
- Rewards program
- Velocity Frequent Flyer
- Earn rate
- 1.25 pt per $1 spent
- Sign-up bonus
- 50,000 pts
- Annual fee
- $440
- Est. points / yr
- 95,000 ptsWorth $950
- Rewards program
- Qantas Frequent Flyer
- Earn rate
- 1.25 pt per $1 spent
- Sign-up bonus
- 50,000 pts
- Annual fee
- $450
- Est. points / yr
- 95,000 ptsWorth $1,140
American Express Platinum Card
0 reviews
- Rewards program
- American Express Membership Rewards / Qantas Frequent Flyer,Velocity Frequent Flyer
- Earn rate
- 2.25 pt per $1 spent
- Sign-up bonus
- 200,000 pts
- Annual fee
- $1,450
- Est. points / yr
- 281,000 ptsWorth $3,372
ANZ Rewards Platinum
0 reviews
- Rewards program
- ANZ Rewards Program / Velocity Frequent Flyer
- Earn rate
- 1.5 pt per $1 spent
- Sign-up bonus
- 125,000 pts
- Annual fee
- $94
- Est. points / yr
- 179,000 ptsWorth $1,790
- Rewards program
- American Express Membership Rewards / Qantas Frequent Flyer,Velocity Frequent Flyer
- Earn rate
- 2.25 pt per $1 spent
- Sign-up bonus
- 390,000 pts
- Annual fee
- $1,750
- Est. points / yr
- 471,000 ptsWorth $5,652
- Rewards program
- ANZ Rewards Program / Velocity Frequent Flyer
- Earn rate
- 1.5 pt per $1 spent
- Sign-up bonus
- 80,000 pts
- Annual fee
- $94
- Est. points / yr
- 134,000 ptsWorth $1,340
Qantas Money Titanium
0 reviews
- Rewards program
- Qantas Frequent Flyer
- Earn rate
- 1.25 pt per $1 spent
- Sign-up bonus
- 150,000 pts
- Annual fee
- $1,200
- Est. points / yr
- 195,000 ptsWorth $2,340
- Rewards program
- Qantas Business Rewards / Qantas Frequent Flyer
- Earn rate
- 1.25 pt per $1 spent
- Sign-up bonus
- 170,000 pts
- Annual fee
- $450
- Est. points / yr
- 215,000 ptsWorth $2,580
ANZ Rewards Black Credit Card
0 reviews
- Rewards program
- ANZ Rewards Program / Velocity Frequent Flyer
- Earn rate
- 2 pt per $1 spent
- Sign-up bonus
- 180,000 pts
- Annual fee
- $320
- Est. points / yr
- 252,000 ptsWorth $2,520
Westpac Altitude Velocity Black
0 reviews
- Rewards program
- Velocity Frequent Flyer
- Earn rate
- 0.5 pt per $1 spent
- Sign-up bonus
- 150,000 pts
- Annual fee
- $295
- Est. points / yr
- 168,000 ptsWorth $1,680
Westpac Altitude Qantas Black
0 reviews
- Rewards program
- Qantas Frequent Flyer
- Earn rate
- 0.5 pt per $1 spent
- Sign-up bonus
- 150,000 pts
- Annual fee
- $295
- Est. points / yr
- 168,000 ptsWorth $2,016
- Rewards program
- Velocity Frequent Flyer
- Earn rate
- 1 pt per $1 spent
- Sign-up bonus
- 150,000 pts
- Annual fee
- $249
- Est. points / yr
- 186,000 ptsWorth $1,860
Rewards by the numbers
125
Cards compared
119,903 pts
Average sign-up bonus
2.5 pts per $1
Top earn rate
$226
Average annual fee
How many points could you earn?
$
90,000 pts / yr
Worth around $1,080 a year on Bankwest More Rewards Program, using the highest earn rate in this category. Excludes any sign-up bonus.
Choosing a rewards program
General rewards programs give you flexibility: you can convert points to several airline or hotel partners, take cashback, or grab gift cards. That flexibility is the main advantage over an airline-specific frequent flyer card.
Watch the annual fee
A premium rewards card only pays off if your points value clearly beats the annual fee. If you spend lightly, a no annual fee card may leave you better off overall.
Rewards credit card FAQs
Transferring to airline partners or redeeming for cashback and gift cards usually delivers the most value. Merchandise catalogues tend to offer the least value per point.