The Mozo Experts Choice Awards have been running since 2014 and provide a platform to highlight products in the marketplace we believe offer great value to Australians.
Over 199 credit cards from 67 financial institutions were compared by our money experts for the 2018 Mozo Expert Choice Credit Card Awards. The best rewards credit card for you will depend on your spending habits and rewards preferences so there are several categories of awards to help you narrow down your search.
For details on how we crunched the numbers and determined the award winners see our methodology report.
The Mozo Experts Choice Awards recognise products that deliver exceptional value or benefits to consumers. Credit card providers don’t pay to be in the running and we don’t play favourites. Our Judges base their decision on hard-nosed calculations of value to the consumer, using Mozo’s extensive product database and research capacity.
If you’d like more information about awards criteria, and the methodology used you can read our methodology report.
Our commercial relationships do not have any influence on the award results, nor do providers pay to be included in our awards.
All rewards credit cards in our database are eligible and our research team determines winners for each award according to the criteria of the rewards credit card awards category.
We calculated the value of rewards earned by determining how many points would be earned in a year for a given spend level, the rewards that could be redeemed for those points, and the retail value of those rewards minus annual fees.
No, we didn’t include bonus points accumulated for using the credit card at specific merchants or specific categories of spend, bonus point introductory offers or special offers. If you want to compare some of the cards that do have bonus points offers available right now, head to our rewards credit card hub.
To determine the winners in the premium categories we used a $60,000 annual spend level. Standard categories assumed an annual spend level of $20,000.
For the Qantas Frequent Flyer award category we considered credit cards in our database where points are automatically credited to the Qantas frequent flyer programs.
For the Velocity Frequent Flyer award category, we considered cards that both directly earn into the Velocity program, and those that allow you to transfer your points from another rewards program to Velocity.
To find a card based on your personalised spend level, use our exclusive Rewards Revealer tool.
Our research team is headed by our Data Services Director and our Product Data Manager who have over 50 years of financial services experience and 22 years in online financial comparison.
Please get in touch with us to discuss by emailing or phoning our advertising sales team on 02 9037 4368.