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Bonus points reward credit cards

  • Bonus points help you to reach rewards status fast. Each rewards credit card will have different rewards point earnings rates, partner deals and bonus point criteria - so be sure to get the one that best fits your needs.

  • How do I compare bonus point deals?

    First, think about what rewards you are most likely to want use - flight, retail rewards or cashback. And consider the points to earning ratio of the rewards program, some will have better rewards ratios than others, so a 10,000 bonus point offer with one card may be better than a 20,000 point offer on another card.

  • Are there any tricks and traps with bonus point deals?

    In almost all instances there will be some kind of criteria that you need to meet in order for the bonus points to be activated. Some rewards credit card providers have set timeframes and purchase limits that need to be reached, others simply require you to make a purchase on the credit card.

Rewards credit card comparisons on Mozo Rates updated daily

  • NAB Qantas Rewards Card

    NAB Qantas Rewards Card

    • 20,000 bonus Qantas Points after your first purchase.
    • 0% p.a on balance transfers for 15 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

    spend req Syd-Mel flight*

    $8,000 (on Amex, or $16,000 on MasterCard)

    annual fees

    $95

    Go to site
    • 20,000 bonus Qantas Points after your first purchase.
    • 0% p.a on balance transfers for 15 months.
    • Complimentary Purchase Protection Insurance and Qantas Frequent Flyer membership
    Product info
    • 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: 0% for 15 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
      128000 points buys a Qantas London flight
      15100 points buys a Myer $100 Gift Card
    Overall rating

    7.2

    Based on 737 NAB credit card reviews

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  • ANZ Rewards Platinum

    ANZ Rewards Platinum

    • 50,000 Reward Points when you spend $5,000 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, 1.5 points per dollar on Visa, uncapped

    spend req Syd-Mel flight*

    $4,600 (on Amex, or $9,200 on Visa)

    annual fees

    $149 $0 in the first 1 year

    Go to site
    • 50,000 Reward Points when you spend $5,000 on eligible purchases within the first three months
    • No Annual fee for the first year
    • Terms and conditions, fees and charges apply
    Product info
    • 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 0.5 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
    Overall rating

    7.0

    Based on 992 ANZ credit card reviews

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  • Woolworths Money Qantas Platinum Credit Card

    Woolworths Money Qantas Platinum Credit Card

    • A range of complimentary insurance options
    • 10,000 Qantas Points if you apply by 31 October 2015 and make an eligible purchase by 31 December 2015
    • Get 20% off your total bill (up to max of $25) at over 2000 restaurants with the dine play stay program

    points per $ spent

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

    spend req Syd-Mel flight*

    $8,000

    annual fees

    $139 $99 in the first 1 year

    Go to site
    • A range of complimentary insurance options
    • 10,000 Qantas Points if you apply by 31 October 2015 and make an eligible purchase by 31 December 2015
    • Get 20% off your total bill (up to max of $25) at over 2000 restaurants with the dine play stay program
    Product info
    • Interest rate: 20.49%
    • Intro rate:
    • Interest rate on cash withdrawals: 21.99%
    • Interest free days: 55
    • Rewards program: Qantas Frequent Flyer
    • Bonus points: Bonus points earned at a range of Qantas and everyday rewards bonus partners.
    • Balance transfer rate: 0% for 14 months and then 21.99%
    • Filght options: All rewards are 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
      128000 points buys a Qantas London flight
      15100 points buys a Myer $100 Gift Card
    Overall rating

    5.4

    Based on 45 Woolworths Money credit card reviews

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  • QANTAS Credit Union Visa Platinum Credit Card

    QANTAS Credit Union Visa Platinum Credit Card

    • Earn up to 30,000 bonus Qantas Points
    • Earn Qantas Points on your everyday purchases
    • 4.99% pa on balance transfers and purchases for your first 5 months

    points per $ spent

    1 point per dollar on Visa, uncapped

    spend req Syd-Mel flight*

    $8,000

    annual fees

    $195

    Go to site
    • Earn up to 30,000 bonus Qantas Points
    • Earn Qantas Points on your everyday purchases
    • 4.99% pa on balance transfers and purchases for your first 5 months
    Product info
    • Interest rate: 18.99%
    • Intro rate: 4.99% for 5 months
    • Interest rate on cash withdrawals: 18.99%
    • Interest free days: 55
    • Rewards program: Qantas Frequent Flyer
    • Bonus points: 2 Qantas Frequent Flyer points for every $1 spent on Qantas products and services.
    • Balance transfer rate: 4.99% for 5 months
    • Filght options: All rewards are redeemed via Qantas Frequent Flyer.
    • Expiry: Never
    • Points earning: 1 point per dollar on Visa, uncapped
    • Points required: 8000 points buys a Qantas Syd-Mel flight
      128000 points buys a Sydney-London flight
      15100 points buys a Myer $100 Gift Card
    Overall rating

    7.7

    Based on 9 QANTAS Credit Union credit card reviews

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  • American Express Velocity Platinum Card

    American Express Velocity Platinum Card

    • 0.99% p.a. on balance transfers for the first 6 months
    • Earn up to 3 bonus points per dollar spent on eligible purchases
    • Earn up to 100,000 bonus Velocity Points, limited time only

    points per $ spent

    1 point per dollar on Amex, uncapped

    spend req Syd-Mel flight*

    $6,900

    annual fees

    $349

    Go to site
    • 0.99% p.a. on balance transfers for the first 6 months
    • Earn up to 3 bonus points per dollar spent on eligible purchases
    • Earn up to 100,000 bonus Velocity Points, limited time only
    Product info
    • 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 (1.00% handling 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
    Overall rating

    7.3

    Based on 136 American Express credit card reviews

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  • American Express Qantas Discovery Card

    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 30 September 2015

    points per $ spent

    1 point per dollar on Amex, uncapped

    spend req Syd-Mel flight*

    $8,000

    annual fees

    $0

    Go to site
    • 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 30 September 2015
    Product info
    • 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 on eligible Qantas products and services in Australia.
    • Balance transfer rate: 0.99% for 6 months (1.00% handling 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
      128000 points buys a Qantas London flight
      15100 points buys a Myer $100 Gift Card
    Overall rating

    7.3

    Based on 136 American Express credit card reviews

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  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 75,000 Qantas Points when you spend $7,500 on 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

    spend req Syd-Mel flight*

    $5,333 (on Amex, or $10,667 on Visa)

    annual fees

    $425 $0 in the first 1 year

    Go to site
    • 75,000 Qantas Points when you spend $7,500 on purchases within the first three months
    • No Annual fee for the first year
    • Terms and conditions, fees and charges apply
    Product info
    • 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, 0.75 points per dollar on Visa, uncapped
    • Points required: 8000 points buys a Qantas Syd-Mel flight
      128000 points buys a Qantas London flight
      15100 points buys a Myer $100 Gift Card
    Overall rating

    7.0

    Based on 992 ANZ credit card reviews

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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 28,000 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

    spend req Syd-Mel flight*

    $16,940

    annual fees

    $130

    Go to site
    • 2.99% p.a on balance transfers for 9 months
    • Receive up to 28,000 introductory bonus rewards points
    • No foreign transaction fees on online and overseas purchases
    Product info
    • Interest rate: 19.99%
    • 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: 40040 points required. 28000 points buys a $100 Flight Centre travel voucher; assumed flight cost is $143
      374100 points required. 258000 points buys a $1,000 Flight Centre travel voucher; assumed flight cost is $1450
      28000 points buys a Myer $100 Gift Card
      26200 points buys a $100 credit
    Overall rating

    7.4

    Based on 157 Bankwest credit card reviews

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  • NAB Velocity Rewards Premium Card

    NAB Velocity Rewards Premium Card

    • 0% p.a. on balance transfers for 15 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

    spend req Syd-Mel flight*

    $4,600 (on Amex, or $13,800 on Visa)

    annual fees

    $150

    Go to site
    • 0% p.a. on balance transfers for 15 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
    • 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: 0% for 15 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
    Overall rating

    7.2

    Based on 737 NAB credit card reviews

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  • NAB Velocity Rewards Card

    NAB Velocity Rewards Card

    • 0% p.a. on balance transfers for 15 months and Earn Velocity Points on everyday purchases.
    • Low $95 Annual Fee.
    • Plus 10,000 bonus Points.

    points per $ spent

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

    spend req Syd-Mel flight*

    $6,900 (on Amex, or $13,800 on Visa)

    annual fees

    $95

    Go to site
    • 0% p.a. on balance transfers for 15 months and Earn Velocity Points on everyday purchases.
    • Low $95 Annual Fee.
    • Plus 10,000 bonus Points.
    Product info
    • 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: 0% for 15 months
    • Filght 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
    Overall rating

    7.2

    Based on 737 NAB credit card reviews

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  • American Express Qantas Ultimate Card

    American Express Qantas Ultimate Card

    • Earn up to 3 Qantas Points per $1 spent on eligible purchases
    • Receive up to 50,000 Qantas Points when you apply by 30 September 2015
    • Complimentary domestic and international travel insurance

    points per $ spent

    1 point per dollar on Amex, uncapped

    spend req Syd-Mel flight*

    $8,000

    annual fees

    $450

    Go to site
    • Earn up to 3 Qantas Points per $1 spent on eligible purchases
    • Receive up to 50,000 Qantas Points when you apply by 30 September 2015
    • Complimentary domestic and international travel insurance
    Product info
    • Interest rate: 20.74%
    • Intro rate:
    • Interest rate on cash withdrawals:
    • Interest free days: 44
    • Rewards program: Qantas Frequent Flyer
    • Bonus points: Earn 3 points per $1 for eligible purchases at thousands of restaurants and Qantas, 2 points per $1 on eligible travel purchases, 1 point per $1 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 (1.00% handling 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
      128000 points buys a Qantas London flight
      15100 points buys a Myer $100 Gift Card
    Overall rating

    7.3

    Based on 136 American Express credit card reviews

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