Top cashback credit cards to put dollars back in your pocket

Kelly Emmerton   |   20 Oct 2017

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Everybody uses a credit card differently, whether it’s to stack up rewards points and freebies, or just for the convenience of spending on plastic. But there’s one thing all spenders can agree on - there’s nothing better than scoring cold hard cash back from your spend.

And the good news is there are a tonne of cashback credit card offers around at the moment so you can do just that. To help you pick the right one for your wallet, we’ve listed a few of our favourites and what’s on the table with each.

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ANZ Low Rate
  • $100 cashback

  • Low 12.49% interest rate

  • $58 annual fee

What’s the deal?

The ANZ Low Rate card is a great choice for frugal spenders who aren’t interested in all the bells and whistles. Not only can you keep costs down with a low annual fee and purchase rate, but when you spend $500 on eligible purchases in the first 60 days, you’ll also score a neat $100 back in your pocket.

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ANZ Low Rate Platinum
  • $250 cashback

  • Super low 11.49% interest rate

  • Mozo Experts Choice Winner

What’s the deal?

If you’re after a little more flair with your spend the ANZ Low Rate Platinum might be just the thing for you. There’s a $99 annual fee to consider, but you’ll pick up $250 cashback by spending $500 on eligible purchases in the first 60 days, plus cash in on premium perks like free international travel insurance and 24/7 concierge service.

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Westpac Low Rate
  • $200 cashback

  • 13.49% purchase rate

  • Mozo Experts Choice Award Winner

What’s the deal?

With no frills but tonnes of value, the Westpac Low Rate card is suited to budget-conscious spenders. It comes with up to 55 interest free days, plus a low annual fee of $59. To snag the $200 cashback in your pocket, be sure to spend $400 on eligible purchases in the first 90 days of having the card.

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Woolworths Everyday Platinum Credit Card
  • $100 Woolworths gift card

  • $0 annual fee in the first year ($49 afterwards)

  • Mozo Experts Choice Award Winner

What’s the deal?

The Woolworths Everyday Platinum card packs a punch right from day one. Rewards lovers will be drawn in by earning up to 3 rewards points for every $1 spent, which are converted to a Shopping Card for use on our Woolies grocery shop. To score the bonus $100 Woolies gift card, just make a purchase on your new card by 28 February 2018.

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Westpac 55 Day Platinum Card
  • $200 cashback

  • $0 annual fee in the first year

  • Premium perks including free international travel insurance and concierge service

What’s the deal?

Perfect for savvy spenders, the Westpac 55 Day Platinum delivers a bunch of complimentary insurance covers, at a very reasonable price point. You won’t pay an annual fee in the first year, and if you spend $10,000 annually, you won’t ever have to pay it. Be sure to spend $400 on eligible purchases in the first 90 days to score the $200 cashback.

If none of those offers peaked your interest, then there’s still plenty of opportunity to snag a great cashback deal. Some other top offers on the market right now include:

  • The Citi Classic and Citi Simplicity cards, both of which come with 5% cashback on eligible purchases in the first 90 days, up to a maximum of $50.

  • The Suncorp Clear Options Standard card, with which you can snag $100 cashback when you spend $3,000 on eligible purchases in the first 6 months.

  • The Virgin Money Low Rate card which will let you pick up $100 cashback when you spend $500 on eligible purchases in the first 3 months.

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