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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 MozoRates updated daily

  • ANZ Rewards Platinum

    ANZ Rewards Platinum

    • 50,000 Reward Points when you spend $3,000 on purchases within the first three months
    • No Annual fee for the first year
    • Offer end date the 20th August

    points per $ spent

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

    spend req Syd-Melb flight*

    $5,176 (on Amex, or $10,351 on Visa)

    Annual fees

    $149 $0 in the first 1 year

    Go to site
    • 50,000 Reward Points when you spend $3,000 on purchases within the first three months
    • No Annual fee for the first year
    • Offer end date the 20th August
    Product info
    • Intro rate:
    • Balance transfer rate:
    • Interest rate: 18.79%
    • Interest rate on cash withdrawals: 20.99%
    • Interest free days: 55
    • Rewards program: ANZ Rewards
    • 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 0.4444 Velocity Points; 6900 Velocity Points buys a Virgin Australia Syd-Mel flight
      1 points buys 0.4444 Velocity Points; 125000 Velocity Points buys a Velocity partner London flight
      19980 points buys a Myer $100 Gift Card
      10310 points buys a $50 cashback
    Overall rating

    7.0

    Based on 1037 ANZ credit card reviews

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  • NAB Qantas Rewards Premium Card

    NAB Qantas Rewards Premium Card

    • 0% p.a. on balance transfers for 15 months plus 40,000 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

    spend req Syd-Melb flight*

    $5,333 (on Amex, or $16,000 on Visa)

    Annual fees

    $250

    Go to site
    • 0% p.a. on balance transfers for 15 months plus 40,000 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:
    • Balance transfer rate: 0% for 15 months
    • Interest rate: 19.99%
    • Interest rate on cash withdrawals: 21.74%
    • Interest free days: 44
    • Rewards program: Qantas Frequent Flyer
    • 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
      128000 points buys a Qantas London flight
      15100 points buys a Myer $100 Gift Card
    Overall rating

    7.2

    Based on 761 NAB 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-Melb 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
    • Intro rate:
    • Balance transfer rate: 0.99% for 6 months (1.00% handling fee)
    • Interest rate: 20.74%
    • Interest rate on cash withdrawals:
    • Interest free days: 44
    • Rewards program: Velocity Rewards
    • 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 142 American Express 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 July 2015 and make an eligible purchase by 30 September 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-Melb flight*

    $8,000

    Annual fees

    $139 $99 in the first 1 year

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    • A range of complimentary insurance options
    • 10,000 Qantas Points if you apply by 31 July 2015 and make an eligible purchase by 30 September 2015
    • Get 20% off your total bill (up to max of $25) at over 2000 restaurants with the dine play stay program
    Product info
    • Intro rate:
    • Balance transfer rate: 0% for 14 months and then 21.99%
    • Interest rate: 20.49%
    • Interest rate on cash withdrawals: 21.99%
    • Interest free days: 55
    • Rewards program: Qantas Frequent Flyer
    • 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

    5.8

    Based on 47 Woolworths Money credit card reviews

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  • Westpac Altitude Black (Rewards)

    Westpac Altitude Black (Rewards)

    • Enjoy 0% p.a. for 3 months on purchases from card approval
    • 0% p.a. for 16 months on balance transfers 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

    spend req Syd-Melb flight*

    $4,600 (on Amex, or $11,040 on MasterCard)

    Annual fees

    $395 $0 in the first year for existing Westpac customers

    Go to site
    • Enjoy 0% p.a. for 3 months on purchases from card approval
    • 0% p.a. for 16 months on balance transfers at card application
    • Dedicated Westpac Concierge service and access to exclusive Black Card Concierge App
    Product info
    • Intro rate: 0% for 3 months
    • Balance transfer rate: 0% for 16 months and then 21.24%
    • Interest rate: 20.24%
    • Interest rate on cash withdrawals: 21.24%
    • Interest free days: 45
    • Rewards program: Rewards
    • 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
      18200 points buys a Myer $100 Gift Card
      49200 points buys a $295 Annual Fee Rebate
    Overall rating

    7.3

    Based on 728 Westpac credit card reviews

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  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 50,000 Qantas Points when you spend $3,000 on purchases within the first three months
    • No Annual fee for the first year
    • Offer end date the 20th August

    points per $ spent

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

    spend req Syd-Melb flight*

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

    Annual fees

    $425 $0 in the first 1 year

    Go to site
    • 50,000 Qantas Points when you spend $3,000 on purchases within the first three months
    • No Annual fee for the first year
    • Offer end date the 20th August
    Product info
    • Intro rate:
    • Balance transfer rate:
    • Interest rate: 19.99%
    • Interest rate on cash withdrawals: 21.49%
    • Interest free days: 55
    • Rewards program: Qantas Frequent Flyer
    • 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 1037 ANZ credit card reviews

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  • Coles Rewards MasterCard

    Coles Rewards MasterCard

    • Up to 62 days interest free on purchases when you pay the full balance off each month.
    • Low $89 annual fee.
    • Get $10 off your Coles Supermarket shop, instantly at the till, every time you redeem 2,000 flybys points.

    points per $ spent

    2 points per dollar on MasterCard, uncapped

    spend req Syd-Melb flight*

    Annual fees

    $89

    Go to site
    • Up to 62 days interest free on purchases when you pay the full balance off each month.
    • Low $89 annual fee.
    • Get $10 off your Coles Supermarket shop, instantly at the till, every time you redeem 2,000 flybys points.
    Product info
    • Intro rate:
    • Balance transfer rate: 0% for 6 months
    • Interest rate: 19.99%
    • Interest rate on cash withdrawals: 19.99%
    • Interest free days: 62
    • Rewards program: Flybuys
    • Filght options:
    • Expiry: Never
    • Points earning: 2 points per dollar on MasterCard, uncapped
    • Points required:

      2000 points buys a $10 off at Coles
    Overall rating

    6.3

    Based on 87 Coles 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 30th June 2015

    points per $ spent

    1 point per dollar on Amex, uncapped

    spend req Syd-Melb 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 30th June 2015
    Product info
    • Intro rate:
    • Balance transfer rate: 0.99% for 6 months (1.00% handling fee)
    • Interest rate: 20.74%
    • Interest rate on cash withdrawals:
    • Interest free days: 44
    • Rewards program: Qantas Frequent Flyer
    • 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 142 American Express 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.
    • Platinum Concierge Service – your own 24 hour, 7 day personal assistant & Access to our 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-Melb 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.
    • Platinum Concierge Service – your own 24 hour, 7 day personal assistant & Access to our 24/7 NAB Service Centre
    Product info
    • Intro rate:
    • Balance transfer rate: 0% for 15 months
    • Interest rate: 19.99%
    • Interest rate on cash withdrawals: 21.74%
    • Interest free days: 44
    • Rewards program: Velocity Rewards
    • 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 761 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-Melb 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
    • Intro rate:
    • Balance transfer rate: 0% for 15 months
    • Interest rate: 19.99%
    • Interest rate on cash withdrawals: 21.74%
    • Interest free days: 44
    • Rewards program: Velocity Rewards
    • 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 761 NAB credit card reviews

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  • David Jones American Express Card (Membership Rewards)

    David Jones American Express Card (Membership Rewards)

    • Earn up to 3 Reward Points per dollar spent
    • Choose your rewards program - Membership Rewards or Qantas Frequent Flyer
    • Be rewarded with special privileges when you shop with your Card at David Jones

    points per $ spent

    1 point per dollar on Amex, uncapped

    spend req Syd-Melb flight*

    $13,800

    Annual fees

    $99

    Go to site
    • Earn up to 3 Reward Points per dollar spent
    • Choose your rewards program - Membership Rewards or Qantas Frequent Flyer
    • Be rewarded with special privileges when you shop with your Card at David Jones
    Product info
    • Intro rate:
    • Balance transfer rate:
    • Interest rate: 20.74%
    • Interest rate on cash withdrawals:
    • Interest free days: 44
    • Rewards program: Membership Rewards
    • Filght options: Flights may be redeemed via Velocity Frequent Flyer
    • Expiry: Never
    • Points earning: 1 point per dollar on Amex, 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
      13500 points buys a David Jones $100 Gift Card
      14500 points buys a $100 credit
    Overall rating

    3.5

    Based on 8 David Jones 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-Melb 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
    • Intro rate:
    • Balance transfer rate: 2.99% for 9 months
    • Interest rate: 19.99%
    • Interest rate on cash withdrawals: 21.99%
    • Interest free days: 55
    • Rewards program: More Rewards
    • 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: 38920 points required. 28000 points buys a $100 Flight Centre travel voucher; assumed flight cost is $139
      335400 points required. 258000 points buys a $1,000 Flight Centre travel voucher; assumed flight cost is $1300
      28000 points buys a Myer $100 Gift Card
      26200 points buys a $100 credit
    Overall rating

    7.5

    Based on 164 Bankwest credit card reviews

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  • David Jones American Express Platinum Card (Membership Rewards)

    David Jones American Express Platinum Card (Membership Rewards)

    • Up to 44 days interest free on purchases
    • Choose either Membership Rewards or Qantas Frequent Flyer as your rewards program
    • Apply now and a receive a generous welcome bonus of 40,000 Reward Points

    points per $ spent

    1 point per dollar on Amex, uncapped

    spend req Syd-Melb flight*

    $13,800

    Annual fees

    $295

    Go to site
    • Up to 44 days interest free on purchases
    • Choose either Membership Rewards or Qantas Frequent Flyer as your rewards program
    • Apply now and a receive a generous welcome bonus of 40,000 Reward Points
    Product info
    • Intro rate:
    • Balance transfer rate:
    • Interest rate: 20.74%
    • Interest rate on cash withdrawals:
    • Interest free days: 44
    • Rewards program: Membership Rewards
    • Filght options: Flights may be redeemed via Velocity Frequent Flyer
    • Expiry: Never
    • Points earning: 1 point per dollar on Amex, 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
      13500 points buys a David Jones $100 Gift Card
      14500 points buys a $100 credit
    Overall rating

    3.5

    Based on 8 David Jones credit card reviews

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