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Rewards Credit Cards

  • Rewards cards are your ticket to something for nothing - but how do you decide between flash cashback, sweet frequent flyers or a solid gold card? Head straight to the latest rewards deals below, or compare all 114 rewards cards with our nifty Rewards Revealer search tool.

  • What are the benefits of a rewards credit card?

    Rewards credit cards come in various guises, from frequent flyer credit cards to travel rewards, cashback deals and giftcard programs. For more info on the benefits of rewards cards read our handy guide rewards cards versus annual fees.

  • Can I compare rewards credit card programs?

    Once this would've involved a lot of unrewarding number crunching. However, Mozo has introduced the Rewards Revealer to crack the rewards card code and deliver the best deals for your personal credit spend.

Rewards credit card comparisons on Mozo Rates updated daily

  • American Express Essential Credit Card

    American Express Essential Credit Card

    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    14.99% p.a.

    annual fees

    $0

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    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee
    • Intro rate:
    • Interest rate on cash withdrawals:
    • Interest free days: 55
    • Rewards program: Gateway Membership Rewards
    • Bonus points:
    • Balance transfer rate: 0% p.a. for 12 months (1.00% p.a. balance transfer fee)
    • Flight options: Flights available with Cathay Pacific, Singapore Airlines, Thai Airways, Air New Zealand, Emirates, Virgin, Malaysia Airlines and other partners.
    • Expiry: Never
    • Points earning: 1 point per dollar on Amex, uncapped
    • Points required: 1 points buys 0.75 Velocity Points; 7800 Velocity Points buys a Virgin Australia Syd-Mel flight
      1 points buys 0.75 Velocity Points; 119600 Velocity Points buys a Velocity partner London flight
      13500 points buys a Myer $100 Gift Card
      14500 points buys a $100 credit
    Overall rating

    7.3

    Based on 255 American Express rewards credit card reviews

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  • HSBC Platinum Qantas Credit Card

    HSBC Platinum Qantas Credit Card

    • Visa payWave for convenient contactless purchases under $100
    • 60,000 bonus Qantas Points when you apply by 31st December 2016. Conditions apply
    • $0 additional cardholder fee

    points per $ spent

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

    Interest rate

    19.99% p.a.

    annual fees

    $199

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    More info

    • Visa payWave for convenient contactless purchases under $100
    • 60,000 bonus Qantas Points when you apply by 31st December 2016. Conditions apply
    • $0 additional cardholder fee
    • Intro rate:
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Interest free days: 55
    • Rewards program: Qantas Frequent Flyer
    • Bonus points: One additional bonus point per dollar on select Qantas products.
    • Balance transfer rate:
    • Flight options: All rewards 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
      120000 points buys a Qantas London flight
      17250 points buys a Myer $100 Gift Card
    Overall rating

    5.5

    Based on 139 HSBC rewards credit card reviews

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  • ANZ Rewards Travel Adventures Card

    ANZ Rewards Travel Adventures Card

    • Return domestic flight each year you hold the card
    • No overseas transaction fee on purchases
    • Eligibility criteria, minimum spend and flight restrictions apply

    points per $ spent

    2 points per dollar on Amex, 1 point per dollar on Visa, uncapped

    Interest rate

    20.24% p.a.

    annual fees

    $225

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    More info

    • Return domestic flight each year you hold the card
    • No overseas transaction fee on purchases
    • Eligibility criteria, minimum spend and flight restrictions apply
    • Intro rate:
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Interest free days: 55
    • Rewards program: ANZ Rewards
    • Bonus points: Earn bonus points at over 30 bonus partners.
    • Balance transfer rate:
    • Flight options: You can get flights via Velocity, Air New Zealand or KrisFlyer.
    • Expiry: 36 months
    • Points earning: 2 points per dollar on Amex, 1 point per dollar on Visa, uncapped
    • Points required: 1 points buys 0.5 Velocity Points; 7800 Velocity Points buys a Virgin Australia Syd-Mel flight
      1 points buys 0.5 Velocity Points; 119600 Velocity Points buys a Velocity partner London flight
      22225 points buys a Myer $100 Gift Card
      25000 points buys a $100 credit
    Overall rating

    6.9

    Based on 1932 ANZ rewards credit card reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Qantas Discovery Card

    American Express Qantas Discovery Card

    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 12 months
    • Receive up to 7,500 Qantas Points

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    20.74% p.a.

    annual fees

    $0

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    More info

    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 12 months
    • Receive up to 7,500 Qantas Points
    • Intro rate:
    • Interest rate on cash withdrawals:
    • Interest free days: 44
    • Rewards program: Qantas Frequent Flyer
    • Bonus points: Earn 2 points per $1 on eligible Qantas products and services in Australia.
    • Balance transfer rate: 0% p.a. for 12 months (1.00% p.a. balance transfer fee)
    • Flight 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
      120000 points buys a Qantas London flight
      17250 points buys a Myer $100 Gift Card
    Overall rating

    7.3

    Based on 255 American Express rewards credit card reviews

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  • Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Balance Transfer Offer

    • 0% p.a. on balance transfers for 18 months
    • Earn 2 bonus Velocity Points on top of standard earn rates in first 3 months
    • Half annual fee in the first year, a saving of $65

    points per $ spent

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

    Interest rate

    20.74% p.a.

    annual fees

    $129 $64 in the first 1 year

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    • 0% p.a. on balance transfers for 18 months
    • Earn 2 bonus Velocity Points on top of standard earn rates in first 3 months
    • Half annual fee in the first year, a saving of $65
    • Intro rate:
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Interest free days: 44
    • Rewards program: Velocity Rewards
    • Bonus points:
    • Balance transfer rate: 0% p.a. for 18 months and then 20.99% p.a.
    • Flight options: All rewards are redeemed via Velocity.
    • Expiry: Never
    • Points earning: 0.66 points per dollar on Visa, up to $1,500 per month, then
      0.5 points per dollar on Visa, uncapped
    • Points required: 7800 points buys a Virgin Australia Syd-Mel flight
      119600 points buys a Velocity partner London flight
      18000 points buys a Myer $100 Gift Card
    Overall rating

    5.7

    Based on 97 Virgin Money rewards credit card reviews

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  • American Express Explorer Credit Card

    American Express Explorer Credit Card

    • Receive 100,000 Membership Rewards® Points (T&Cs apply)
    • $400 in Travel Credit each year
    • Up to 2 Membership Rewards points per $1 spent

    points per $ spent

    2 points per dollar on Amex, uncapped

    Interest rate

    20.74% p.a.

    annual fees

    $395

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    • Receive 100,000 Membership Rewards® Points (T&Cs apply)
    • $400 in Travel Credit each year
    • Up to 2 Membership Rewards points per $1 spent
    • Intro rate:
    • Interest rate on cash withdrawals:
    • Interest free days: 55
    • Rewards program: Gateway Membership Rewards
    • Bonus points: Earn 2 points per $1 on eligible purchases; except 0.5 points per $1 at utilities, insurance, telecommunications, and government bodies.
    • Balance transfer rate: 0% p.a. for 12 months (1.00% p.a. balance transfer fee)
    • Flight options: Flights available with Virgin, Air New Zealand, Etihad Airways, Singapore Airlines and other partners.
    • Expiry: Never
    • Points earning: 2 points per dollar on Amex, uncapped
    • Points required: 1 points buys 0.75 Velocity Points; 7800 Velocity Points buys a Virgin Australia Syd-Mel flight
      1 points buys 0.75 Velocity Points; 119600 Velocity Points buys a Sydney-London flight
      18000 points buys a Myer $100 Gift Card
    Overall rating

    7.3

    Based on 255 American Express rewards credit card reviews

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  • HSBC Platinum Credit Card

    HSBC Platinum Credit Card

    • 0% p.a. on balance transfers for 15 months. Conditions apply
    • Offer available to new customers who apply by 31st December 2016
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases

    points per $ spent

    1 point per dollar on Visa, uncapped

    Interest rate

    19.99% p.a.

    annual fees

    $149 Refunded when you spend over $6,000 p.a

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    • 0% p.a. on balance transfers for 15 months. Conditions apply
    • Offer available to new customers who apply by 31st December 2016
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases
    • Intro rate:
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Interest free days: 55
    • Rewards program: Rewards Plus
    • Bonus points: Earn bonus points at 15 bonus partners including HSBC Travel Plus.
    • Balance transfer rate: 0% p.a. for 15 months and then 21.99% p.a.
    • Flight options: You can choose to transfer points to airline programs including AsiaMiles, Singapore Airlines KrisFlyer and Velocity Points.
    • Expiry: 36 months
    • Points earning: 1 point per dollar on Visa, uncapped
    • Points required: 1 points buys 0.5 Velocity Points; 7800 Velocity Points buys a Virgin Australia Syd-Mel flight
      1 points buys 0.5 Velocity Points; 119600 Velocity Points buys a Velocity partner London flight
      20000 points buys a Myer $100 Gift Card
      30000 points buys a $100 credit
    Overall rating

    5.5

    Based on 139 HSBC rewards credit card reviews

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  • Coles Rewards MasterCard

    Coles Rewards MasterCard

    • $10 off a single Coles supermarket shop
    • Collect 2 points for every dollar you spend. Everywhere, every day
    • Available on the Coles Rewards MasterCard and Coles No Annual Fee MasterCard

    points per $ spent

    2 points per dollar on MasterCard, uncapped

    Interest rate

    19.99% p.a.

    annual fees

    $89

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    • $10 off a single Coles supermarket shop
    • Collect 2 points for every dollar you spend. Everywhere, every day
    • Available on the Coles Rewards MasterCard and Coles No Annual Fee MasterCard
    • Intro rate:
    • Interest rate on cash withdrawals: 19.99% p.a.
    • Interest free days: 62
    • Rewards program: Flybuys
    • Bonus points: Earn an additional 1 point per dollar spent at Coles and other Flybuys partners when your card is scanned.
    • Balance transfer rate: 0% p.a. for 6 months
    • Flight options:
    • Expiry: Never
    • Points earning: 2 points per dollar on MasterCard, uncapped
    • Points required:

      2000 points buys a $10 off at Coles
    Overall rating

    6.8

    Based on 156 Coles rewards credit card reviews

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  • American Express Platinum Edge Credit Card

    American Express Platinum Edge Credit Card

    • $195 annual fee
    • Complimentary domestic economy return flight
    • Up to 3 points per dollar spent on eligible purchases

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    20.74% p.a.

    annual fees

    $195

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    More info

    • $195 annual fee
    • Complimentary domestic economy return flight
    • Up to 3 points per dollar spent on eligible purchases
    • Intro rate:
    • Interest rate on cash withdrawals:
    • Interest free days: 55
    • Rewards program: Ascent Membership Rewards
    • Bonus points: Earn 3 points per $1 at major supermarkets, 2 points per $1 at major petrol stations. 1 point per $1 on all other purchases excluding insurance, telecommunications, and government where you earn 0.5 points per $1
    • Balance transfer rate: 0% p.a. for 12 months (1.00% p.a. balance transfer fee)
    • Flight options: Transfer your points to 8 airline programs, including Virgin Velocity, or book direct with your dedicated travel service or travel agents including Harvey World Travel and Webjet.
    • Expiry: Never
    • Points earning: 1 point per dollar on Amex, uncapped
    • Points required: 1 points buys 1 Velocity Points; 7800 Velocity Points buys a Virgin Australia Syd-Mel flight
      1 points buys 1 Velocity Points; 119600 Velocity Points buys a Velocity partner London flight
      13500 points buys a Myer $100 Gift Card
      14500 points buys a $100 credit
    Overall rating

    7.3

    Based on 255 American Express rewards credit card reviews

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  • Citibank Qantas Signature

    Citibank Qantas Signature

    • Receive 70,000 bonus Qantas Points (T&C's apply)
    • Save with 0% p.a. for 6 months on balance transfers. Reverts to cash advance rate
    • A reduced annual fee of $99 in the first year ($395 normally) + $49 Citi Qantas Rewards Program fee

    points per $ spent

    1 point per dollar on Visa, up to $3,000 per month, then
    0.5 points per dollar on Visa, up to $10,000 per month

    Interest rate

    20.99% p.a.

    annual fees

    $444 $148 in the first 1 year

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    • Receive 70,000 bonus Qantas Points (T&C's apply)
    • Save with 0% p.a. for 6 months on balance transfers. Reverts to cash advance rate
    • A reduced annual fee of $99 in the first year ($395 normally) + $49 Citi Qantas Rewards Program fee
    • Intro rate:
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Interest free days: 55
    • Rewards program: Qantas Frequent Flyer
    • Bonus points: Points uncapped for eligible international purchases.
    • Balance transfer rate: 0% p.a. for 6 months and then 21.74% p.a.
    • Flight options: All rewards are redeemed via Qantas Frequent Flyer
    • Expiry: Never
    • Points earning: 1 point per dollar on Visa, up to $3,000 per month, then
      0.5 points per dollar on Visa, up to $10,000 per month
    • Points required: 8000 points buys a Qantas Syd-Mel flight
      120000 points buys a Qantas London flight
      17250 points buys a Myer $100 Gift Card
    Overall rating

    5.7

    Based on 379 Citibank rewards credit card reviews

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  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 75,000 Qantas Points after first eligible purchase within the first three months
    • Now with Apple Pay
    • T&Cs apply. Visit anz.com/applepay for more information

    points per $ spent

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

    Interest rate

    19.99% p.a.

    annual fees

    $425

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    More info

    • 75,000 Qantas Points after first eligible purchase within the first three months
    • Now with Apple Pay
    • T&Cs apply. Visit anz.com/applepay for more information
    • Intro rate:
    • Interest rate on cash withdrawals: 21.49% p.a.
    • 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:
    • Flight 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
      120000 points buys a Qantas London flight
      17250 points buys a Myer $100 Gift Card
    Overall rating

    6.9

    Based on 1932 ANZ rewards credit card reviews

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  • Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate Offer

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 12 months
    • Enjoy an exclusive annual flight benefit. Conditions apply

    points per $ spent

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

    Interest rate

    20.74% p.a.

    annual fees

    $129

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    More info

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 12 months
    • Enjoy an exclusive annual flight benefit. Conditions apply
    • Intro rate: 0% p.a. for 12 months
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Interest free days: 44
    • Rewards program: Velocity Rewards
    • Bonus points:
    • Balance transfer rate: 0% p.a. for 6 months and then 20.99% p.a.
    • Flight options: All rewards are redeemed via Velocity.
    • Expiry: Never
    • Points earning: 0.66 points per dollar on Visa, up to $1,500 per month, then
      0.5 points per dollar on Visa, uncapped
    • Points required: 7800 points buys a Virgin Australia Syd-Mel flight
      119600 points buys a Velocity partner London flight
      18000 points buys a Myer $100 Gift Card
    Overall rating

    5.7

    Based on 97 Virgin Money rewards credit card reviews

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  • Citibank Signature

    Citibank Signature

    • 75,000 bonus Citi Reward Points on your first spend within 90 days
    • 0% p.a. for 6 months on balance transfers (cash rate after 6 months)
    • 1.5 points per $1 spent on eligible domestic purchases (T&C's Apply)

    points per $ spent

    1.5 points per dollar on Visa, up to $20,000 per month

    Interest rate

    20.99% p.a.

    annual fees

    $395 $199 in the first 1 year

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    • 75,000 bonus Citi Reward Points on your first spend within 90 days
    • 0% p.a. for 6 months on balance transfers (cash rate after 6 months)
    • 1.5 points per $1 spent on eligible domestic purchases (T&C's Apply)
    • Intro rate:
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Interest free days: 55
    • Rewards program: Citi Rewards
    • Bonus points: Points uncapped for eligible international purchases.
    • Balance transfer rate: 0% p.a. for 6 months and then 21.74% p.a.
    • Flight options: You can redeem flights via Velocity, Singapore Krisflyer, Asia Miles or Emirates Skywards.
    • Expiry: Never
    • Points earning: 1.5 points per dollar on Visa, up to $20,000 per month
    • Points required: 1 points buys 0.5 Velocity Points; 7800 Velocity Points buys a Virgin Australia Syd-Mel flight
      1 points buys 0.5 Velocity Points; 119600 Velocity Points buys a Velocity partner London flight
      17900 points buys a Myer $100 Gift Card
      40000 points buys a $100 credit
    Overall rating

    5.7

    Based on 379 Citibank rewards credit card reviews

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  • ANZ Rewards Platinum

    ANZ Rewards Platinum

    • 50,000 Reward Points after first eligible purchase within the first three months
    • Now with Apple Pay
    • T&Cs apply. Visit anz.com/applepay for more information

    points per $ spent

    2 points per dollar on Amex, 1 point per dollar on Visa, uncapped

    Interest rate

    18.79% p.a.

    annual fees

    $95

    Go to site

    More info

    • 50,000 Reward Points after first eligible purchase within the first three months
    • Now with Apple Pay
    • T&Cs apply. Visit anz.com/applepay for more information
    • Intro rate:
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Interest free days: 55
    • Rewards program: ANZ Rewards
    • Bonus points: Earn bonus points at over 30 bonus partners.
    • Balance transfer rate:
    • Flight options: You can get flights via Velocity, Air New Zealand or KrisFlyer.
    • Expiry: 36 months
    • Points earning: 2 points per dollar on Amex, 1 point per dollar on Visa, uncapped
    • Points required: 1 points buys 0.5 Velocity Points; 7800 Velocity Points buys a Virgin Australia Syd-Mel flight
      1 points buys 0.5 Velocity Points; 119600 Velocity Points buys a Velocity partner London flight
      22225 points buys a Myer $100 Gift Card
      25000 points buys a $100 credit
    Overall rating

    6.9

    Based on 1932 ANZ rewards credit card reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    Bankwest Qantas Platinum MasterCard

    Bankwest Qantas Platinum MasterCard

    • 50,000 introductory bonus Qantas Points (T&Cs Apply)
    • Up to 1 Qantas Points for every $2 spent on eligible purchases
    • Complimentary Credit Card Travel Insurance

    points per $ spent

    0.5 points per dollar on MasterCard, up to 200000 points per year

    Interest rate

    20.49% p.a.

    annual fees

    $160

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    More info

    • 50,000 introductory bonus Qantas Points (T&Cs Apply)
    • Up to 1 Qantas Points for every $2 spent on eligible purchases
    • Complimentary Credit Card Travel Insurance
    • Intro rate:
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Interest free days: 44
    • Rewards program: Qantas Frequent Flyer
    • Bonus points:
    • Balance transfer rate: 2.99% p.a. for 9 months
    • Flight options: All rewards are redeemed via Qantas Frequent Flyer.
    • Expiry: Never
    • Points earning: 0.5 points per dollar on MasterCard, up to 200000 points per year
    • Points required: 8000 points buys a Qantas Syd-Mel flight
      120000 points buys a Qantas London flight
      17250 points buys a Myer $100 Gift Card
    Overall rating

    7.7

    Based on 298 Bankwest rewards credit card reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Velocity Escape Card

    American Express Velocity Escape Card

    • 0% p.a. on balance transfers for the first 12 months
    • No annual fee
    • Earn up to 7,500 bonus Velocity Points, limited time only

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    20.74% p.a.

    annual fees

    $0

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    More info

    • 0% p.a. on balance transfers for the first 12 months
    • No annual fee
    • Earn up to 7,500 bonus Velocity Points, limited time only
    • Intro rate:
    • Interest rate on cash withdrawals:
    • Interest free days: 44
    • Rewards program: Velocity Rewards
    • Bonus points: Earn 2 Points per dollar when you use your card for purchases in Australia with Virgin Australia group of airlines.
    • Balance transfer rate: 0% p.a. for 12 months (1.00% p.a. balance transfer fee)
    • Flight 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: 7800 points buys a Virgin Australia Syd-Mel flight
      119600 points buys a Velocity partner London flight
      18000 points buys a Myer $100 Gift Card
    Overall rating

    7.3

    Based on 255 American Express rewards credit card reviews

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  • ANZ Rewards

    ANZ Rewards

    • 25,000 Reward Points after first eligible purchase in the first three months
    • Now with Apple Pay
    • T&Cs apply. Visit anz.com/applepay for more information

    points per $ spent

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

    Interest rate

    18.79% p.a.

    annual fees

    $80

    Go to site

    More info

    • 25,000 Reward Points after first eligible purchase in the first three months
    • Now with Apple Pay
    • T&Cs apply. Visit anz.com/applepay for more information
    • Intro rate:
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Interest free days: 44
    • Rewards program: ANZ Rewards
    • Bonus points: Earn bonus points at over 30 bonus partners.
    • Balance transfer rate:
    • Flight options: You can get flights via Velocity, Air New Zealand or KrisFlyer.
    • Expiry: 36 months
    • Points earning: 1.5 points per dollar on Amex, 0.75 points per dollar on Visa, uncapped
    • Points required: 1 points buys 0.5 Velocity Points; 7800 Velocity Points buys a Virgin Australia Syd-Mel flight
      1 points buys 0.5 Velocity Points; 119600 Velocity Points buys a Velocity partner London flight
      22225 points buys a Myer $100 Gift Card
      25000 points buys a $100 credit
    Overall rating

    6.9

    Based on 1932 ANZ rewards credit card reviews

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  • Virgin Money Virgin Australia Velocity High Flyer Card

    Virgin Money Virgin Australia Velocity High Flyer Card

    • 0% p.a. for 6 months on balance transfers
    • Earn up to 30,000 bonus Velocity Points
    • 1/2 annual fee in the first year

    points per $ spent

    1 point per dollar on Visa, up to $10,000 per month, then
    0.5 points per dollar on Visa, uncapped

    Interest rate

    20.74% p.a.

    annual fees

    $289 $144 in the first 1 year

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    More info

    • 0% p.a. for 6 months on balance transfers
    • Earn up to 30,000 bonus Velocity Points
    • 1/2 annual fee in the first year
    • Intro rate:
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Interest free days: 44
    • Rewards program: Velocity Rewards
    • Bonus points:
    • Balance transfer rate: 0% p.a. for 6 months and then 20.99% p.a.
    • Flight options: All rewards are redeemed via Velocity.
    • Expiry: Never
    • Points earning: 1 point per dollar on Visa, up to $10,000 per month, then
      0.5 points per dollar on Visa, uncapped
    • Points required: 7800 points buys a Virgin Australia Syd-Mel flight
      119600 points buys a Velocity partner London flight
      18000 points buys a Myer $100 Gift Card
    Overall rating

    5.7

    Based on 97 Virgin Money rewards credit card reviews

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  • ANZ Rewards Black

    ANZ Rewards Black

    • 75,000 Reward Points after first eligible purchase within the first three months
    • Now with Apple Pay
    • T&Cs apply. Visit anz.com/applepay for more information

    points per $ spent

    3 points per dollar on Amex, 1.25 points per dollar on Visa, uncapped

    Interest rate

    18.79% p.a.

    annual fees

    $375

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    More info

    • 75,000 Reward Points after first eligible purchase within the first three months
    • Now with Apple Pay
    • T&Cs apply. Visit anz.com/applepay for more information
    • Intro rate:
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Interest free days: 55
    • Rewards program: ANZ Rewards
    • Bonus points: Earn bonus points at over 30 bonus partners.
    • Balance transfer rate:
    • Flight options: You can get flights via Velocity, Air New Zealand or KrisFlyer.
    • Expiry: 36 months
    • Points earning: 3 points per dollar on Amex, 1.25 points per dollar on Visa, uncapped
    • Points required: 1 points buys 0.5 Velocity Points; 7800 Velocity Points buys a Virgin Australia Syd-Mel flight
      1 points buys 0.5 Velocity Points; 119600 Velocity Points buys a Velocity partner London flight
      22225 points buys a Myer $100 Gift Card
      25000 points buys a $100 credit
    Overall rating

    6.9

    Based on 1932 ANZ rewards 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 50,000 Qantas Points
    • Complimentary domestic and international travel insurance

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    20.74% p.a.

    annual fees

    $450

    Go to site

    More info

    • Earn up to 3 Qantas Points per $1 spent on eligible purchases
    • Receive 50,000 Qantas Points
    • Complimentary domestic and international travel insurance
    • 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 $1 at utilities, insurance, telecommunications, and government bodies.
    • Balance transfer rate: 0% p.a. for 12 months (1.00% p.a. balance transfer fee)
    • Flight 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
      120000 points buys a Qantas London flight
      17250 points buys a Myer $100 Gift Card
    Overall rating

    7.3

    Based on 255 American Express rewards credit card reviews

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