Picking up a rewards card? Consider these extras

rewards-credit-card

From a warm bath to an hour long massage, we all deserve a little luxury every once in a while. But if you're keen to indulge in a bit of luxury with your shopping habits, you might be considering picking up a rewards credit card

Unlike a regular credit card, these flashy pieces of plastic are loaded with a range of features and rewards. So if you’d like to find out what extra perks you could get your hands on, check out our list below.

Introductory bonus points

Many credit card providers often have special deals and offers exclusive for new customers, which gives you the opportunity to load up on rewards. Most of the time, these exclusive offers include introductory bonus points and can range from anywhere between 50,000 to 150,000. 

For example, if you were to sign up to the American Express Explorer Credit Card, you could earn up to 50,000 Membership Rewards Bonus Points, while the St.George Amplify Platinum Credit Card is offering up to 70,000 bonus Qantas Points for new customers. 

Just keep in mind though that while special deals like these can help get your points balance off to a smashing start, there’s generally a spending criteria you’ll have to meet in order to claim these bonus points.

Gift cards and vouchers

With Christmas Day inching closer, it won’t be long until our savings take a hit. But if you’re savvy with your spending, you might be able to redeem your points for gift cards or vouchers. 

Depending on what you plan to purchase, you could either pass on the gift cards as their Christmas present or use it to purchase a gift you know they’d love. Or if vouchers are more your game, you could use these to save some coin on your Christmas shopping.

Cashback

Many credit cards also give you the ability to redeem your points for cashback, which depending on your points balance, can be between $50 to $1,000. One clever way to use your cashback could be to cover the annual fee of the credit card or pay down the card’s balance. 

On the other hand, you could also opt to use the cashback to cover a portion of your Christmas shopping!

Shopping insurances

While this last feature isn’t necessarily a reward, it can come in handy if you’re a regular shopper. Aside from points and special privileges, rewards credit cards also come with nifty bonuses, like extended warranty and purchase or price protection. These insurances can add an extra layer of protection on your purchases. 

For instance, purchase protection can help you get the best price for items, while extended warranties can ensure any damaged item you purchased using the card is covered. 

Ready to find your next plastic match? Get started by visiting our rewards credit card comparison tool or by checking out the offers below.

Compare rewards credit cards - last updated 27 November 2021

Search promoted credit cards below or do a full Mozo database search. Advertiser disclosure
  • NAB Qantas Rewards Signature Card

    NABs fastest way to earn Qantas Points. 110,000 bonus Qantas Points when you spend $3,000 on everyday purchases within 60 days of account opening and keep the card open for 12 months. Access to 6 complimentary insurances when you make eligible purchases.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    19.99% p.a.
    $395 $295 in the first year
    Qantas Frequent Flyer
    Concierge,
    Extended Warranty,
    Purchase Protection,
    International Travel Insurance,
    Transit Accident Insurance,
    Interstate Flight Inconvenience Insurance,
    Rental Vehicle Excess in Australia Insurance
    Details
  • Bankwest Breeze Platinum Mastercard

    Streamline your budget with 0% p.a on balance transfers for 15 months then 9.90% thereafter. No annual fee for the first year. Awarded two Mozo Experts Choice Awards in 2020 for best Low Rate Platinum Credit Card and best Balance Transfer Platinum Credit Card^. Limited time only. Other fees, T&Cs apply. New Breeze Mastercard customers only.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    0% p.a. for 15 months then 9.90% p.a.
    $69 $0 in the first year
    -
    Travel Insurance,
    Extended Warranty,
    Purchase Protection
    Details
  • Apply By 24 Feb 2022
    St.George Amplify Qantas Platinum

    Earn 60,000 bonus Qantas Points (min $3,000 spend in the first 3 months). New cards only, Eligibility criteria and T&Cs apply. Offer ends February 24 2022.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    19.74% p.a.
    $99
    Qantas Frequent Flyer
    Travel Insurance,
    Extended Warranty,
    Purchase Protection
    Details
  • HSBC Platinum Credit Card

    0%p.a. on balance transfers for 36 months with no balance transfer fee. Terms and Conditions apply. Mozo Experts Choice Premium Rewards and Balance Transfer Platinum Credit Card Winner 2020.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    19.99% p.a.
    $129 $29 in the first year
    Rewards Plus
    Concierge,
    Travel Insurance,
    Extended Warranty,
    Purchase Protection
    Details
  • Apply By 24 Feb 2022
    BankSA Amplify Rewards Platinum

    130,000 bonus Amplify Points (min $3,000 spend within 90 days. 0% p.a. for 24 months on balance transfers requested at card application (1% BT fee). New cards only, Eligibility criteria and T&Cs apply. Offer ends February 24th 2022.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    19.74% p.a.
    $99 $49 in the first year
    Rewards
    Travel Insurance,
    Extended Warranty,
    Purchase Protection
    Details
  • Apply By 24 Feb 2022
    Westpac Altitude Platinum

    Earn up to 75,000 bonus Qantas Points ($4k min. spend in the first 90 days on eligible purchases). 0% p.a. for 24 months on balance transfers requested at card application. 1% BT fee applies. $49 First Year Annual fee and Rewards fee. New cards only. Offer ends February 24th 2022. T&C's and exclusions apply.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    20.49% p.a.
    $200 $99 in the first year
    Qantas Frequent Flyer
    Travel Insurance,
    Extended Warranty,
    Purchase Protection
    Details
  • Apply By 24 Feb 2022
    Westpac Altitude Platinum

    Earn up to 130,000 bonus Altitude Points ($3k min. spend in the first 90 days on eligible purchases). 0% p.a. for 24 months on balance transfers requested at card application. 1% BT fee applies (rate reverts to the variable cash advance rate after). Discounted annual card fee of $49 for the first year ($150 thereafter). New Cards only. Offer ends February 24th 2022. T&C's and exclusions apply.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    20.49% p.a.
    $150 $49 in the first year
    Altitude Rewards
    Travel Insurance,
    Extended Warranty,
    Purchase Protection
    Details
  • Apply By 1 Feb 2022
    Mozo Expert Choice Badge
    American Express Platinum Edge Credit Card

    Receive 50,000 Bonus Membership Rewards when you apply online by 1 February 2022, are approved and spend $1,500 on your new Card within the first 3 months. Enjoy a $200 credit on your Card when you spend $200 or more at David Jones on your new Card within the first 3 months.T&Cs apply. New Card Members only.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    20.74% p.a.
    $195
    Membership Rewards
    Travel Insurance,
    Extended Warranty,
    Purchase Protection,
    Account alerts by SMS
    Details
  • Apply By 9 Feb 2022
    David Jones American Express Platinum Card

    Earn 70,000 Membership Reward Points or 35,000 Qantas Points when you apply online by 9 February 2022, are approved and spend $1,500 at locations excluding David Jones on your new Card within the first three months. Available to new David Jones American Express Platinum Card Members only.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    0% p.a. for 12 months then 20.74% p.a.
    $295
    Membership Rewards
    Travel Insurance,
    Extended Warranty,
    Purchase Protection,
    Account alerts by SMS
    Details
  • Apply By 30 Nov 2021
    Mozo Expert Choice Badge
    American Express Explorer® Credit Card

    Receive 240,000 Bonus Membership Rewards Points when you apply online by 30 November 2021, are approved and spend $3,000 on your new Card within the first 3 months. T&Cs apply. New Card Members only.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    20.74% p.a.
    $395
    Membership Rewards
    Travel Insurance,
    Extended Warranty,
    Purchase Protection,
    Account alerts by SMS
    Details
  • Apply By 13 Dec 2021
    Mozo Expert Choice Badge
    American Express Velocity Platinum Card

    Receive 120,000 bonus Velocity Points and 120 Status Credits when you apply online by 13 December 2021, are approved and spend $4,500 on your new Card within the first 3 months. New Card Members Only. Enjoy a complimentary domestic return flight with Virgin Australia to selected cities, each year after your first card spend.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    20.74% p.a.
    $375
    Velocity Frequent Flyer
    Travel Insurance,
    Purchase Protection,
    Account alerts by SMS
    Details
  • Bankwest More Platinum Mastercard

    Not just a one off, you can earn 75,000 bonus point every single year with this card in your pocket, just by meeting an annual minimum spend. Plus, bag 2 points per $1 on regular spending (T&Cs apply).

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    19.99% p.a.
    $160
    Bankwest More Rewards
    Extended Warranty,
    Purchase Protection,
    Overseas Travel Insurance
    Details
  • Apply By 24 Feb 2022
    St.George Amplify Rewards Platinum

    130,000 bonus Amplify Points, (min $3,000 spend within 90 days). 0% p.a. for 24 months on balance transfers requested at card application (1% BT fee). New cards only, Eligibility criteria and T&Cs apply. Offer ends February 24th 2022.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    19.74% p.a.
    $99 $49 in the first year
    Rewards
    Travel Insurance,
    Extended Warranty,
    Purchase Protection
    Details
  • Apply By 24 Feb 2022
    Bank of Melbourne Amplify Rewards Platinum

    Earn 60,000 bonus Qantas Points (min $3,000 spend in the first 3 months). 0% Balance Transfer for 24 months (1% BT fee). New cards only, Eligibility criteria and T&Cs apply. Offer ends February 24th 2022.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    19.74% p.a.
    $99
    Qantas Frequent Flyer
    Travel Insurance,
    Extended Warranty,
    Purchase Protection
    Details
  • NAB Rewards Platinum Card

    Up to 60,000 bonus points (T&Cs apply). Also get 1 NAB reward point for every $1 spent on everyday purchases.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    19.99% p.a.
    $195
    NAB Rewards
    Concierge,
    Extended Warranty,
    Purchase Protection,
    International Travel Insurance,
    Transit Accident Insurance,
    Interstate Flight Inconvenience Insurance,
    Rental Vehicle Excess in Australia Insurance
    Details
  • Apply By 9 Feb 2022
    David Jones American Express Platinum Card

    Earn 35,000 Qantas Points or 70,000 Membership Rewards Points when you apply online by 9 February 2022, are approved and spend $1,500 at locations excluding David Jones on your new Card within the first three months. Available to new David Jones American Express Platinum Card Members only.

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    0% p.a. for 12 months then 20.74% p.a.
    $295
    Qantas Frequent Flyer
    Travel Insurance,
    Extended Warranty,
    Purchase Protection,
    Account alerts by SMS
    Details
  • NAB Low Fee Platinum Card

    0% p.a. on balance transfers for 24 months (T&Cs apply).

    Purchase rate
    Annual fee
    Rewards program
    Privileges
    19.74% p.a.
    $90
    -
    Concierge,
    Extended Warranty,
    Purchase Protection,
    International Travel Insurance,
    Transit Accident Insurance,
    Interstate Flight Inconvenience Insurance,
    Rental Vehicle Excess in Australia Insurance
    Details

^See information about the Mozo Experts Choice Credit Card Awards

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