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  • 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 118 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

  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • 75 bonus Status Credits when you buy and fly return with Qantas by 31 January 2018. Offer ends 30 September 2017

    points per $ spent

    1 point per dollar on Visa, up to $7,500 per month, then
    0.5 points per dollar on Visa, uncapped

    Interest rate

    19.99% p.a.

    annual fees

    $425 $0 in the first 1 year

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    • 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • 75 bonus Status Credits when you buy and fly return with Qantas by 31 January 2018. Offer ends 30 September 2017
    • 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 point per dollar on Visa, up to $7,500 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
      17480 points buys a Myer $100 Gift Card
    Overall rating

    6.9

    Based on 1932 ANZ rewards credit card reviews

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  • ANZ Rewards Black

    ANZ Rewards Black

    • 75,000 Reward Points when you spend $2,500 (T&Cs apply)
    • Now with Apple Pay
    • No annual fee for the first year

    points per $ spent

    2 points per dollar on Visa, up to $5,000 per month, then
    1 point per dollar on Visa, uncapped

    Interest rate

    18.79% p.a.

    annual fees

    $375 $0 in the first 1 year

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    • 75,000 Reward Points when you spend $2,500 (T&Cs apply)
    • Now with Apple Pay
    • No annual fee for the first year
    • 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 Visa, up to $5,000 per month, then
      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
    • Earn 1 Qantas Point for every $1 spent on Card purchases (T&Cs apply)

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    20.74% p.a.

    annual fees

    $0

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    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 12 months
    • Earn 1 Qantas Point for every $1 spent on Card purchases (T&Cs apply)
    • Intro rate:
    • Interest rate on cash withdrawals:
    • Interest free days: 44
    • Rewards program: Qantas Frequent Flyer
    • Bonus points: Earn 0.5 Qantas Points for Government charges. Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia.
    • Balance transfer rate: 0% p.a. for 12 months (1.00% 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
      17480 points buys a Myer $100 Gift Card
    Overall rating

    7.3

    Based on 255 American Express rewards credit card reviews

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  • American Express Qantas Ultimate Card

    American Express Qantas Ultimate Card

    • Earn 100,000 bonus Qantas Points (T&Cs apply)
    • Earn up to 1.5 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance

    points per $ spent

    1.5 points per dollar on Amex, uncapped

    Interest rate

    20.74% p.a.

    annual fees

    $450

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    More info

    • Earn 100,000 bonus Qantas Points (T&Cs apply)
    • Earn up to 1.5 Qantas Points per $1 spent on eligible purchases
    • 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 0.5 Qantas Points for Government charges. Earn 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia.
    • Balance transfer rate: 0% p.a. for 12 months (1.00% balance transfer fee)
    • Flight options: All rewards are redeemed via Qantas Frequent Flyer.
    • Expiry: Never
    • Points earning: 1.5 points per dollar on Amex, uncapped
    • Points required: 8000 points buys a Qantas Syd-Mel flight
      120000 points buys a Qantas London flight
      17480 points buys a Myer $100 Gift Card
    Overall rating

    7.3

    Based on 255 American Express rewards credit card reviews

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  • NAB Qantas Rewards Signature Card

    NAB Qantas Rewards Signature Card

    • NAB's fastest way to earn Qantas Frequent Flyer Points
    • 75,000 BONUS POINTS when you spend $4,000 on everyday purchases within 60 days of account opening
    • 0% p.a on balance transfers for 6 months.

    points per $ spent

    1 point per dollar on Visa, up to $5,000 per month, then
    0.5 points per dollar on Visa, up to $20,000 per month

    Interest rate

    19.99% p.a.

    annual fees

    $395

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    More info

    • NAB's fastest way to earn Qantas Frequent Flyer Points
    • 75,000 BONUS POINTS when you spend $4,000 on everyday purchases within 60 days of account opening
    • 0% p.a on balance transfers for 6 months.
    • Intro rate:
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Interest free days: 44
    • Rewards program: Qantas Frequent Flyer
    • Bonus points: Bonus points on selected Qantas products and services, including eligible Qantas flights.
    • 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 $5,000 per month, then
      0.5 points per dollar on Visa, up to $20,000 per month
    • Points required: 8000 points buys a Qantas Syd-Mel flight
      120000 points buys a Qantas London flight
      17480 points buys a Myer $100 Gift Card
    Overall rating

    7.2

    Based on 1409 NAB 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% 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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  • ANZ Rewards Platinum

    ANZ Rewards Platinum

    • 50,000 Reward Points when you spend $2,500 (T&Cs apply)
    • Now with Apple Pay
    • No annual fee for the first year

    points per $ spent

    1.5 points per dollar on Visa, up to $2,000 per month, then
    0.5 points per dollar on Visa, uncapped

    Interest rate

    18.79% p.a.

    annual fees

    $95 $0 in the first 1 year

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    More info

    • 50,000 Reward Points when you spend $2,500 (T&Cs apply)
    • Now with Apple Pay
    • No annual fee for the first year
    • 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: 1.5 points per dollar on Visa, up to $2,000 per month, then
      0.5 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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  • MOZO EXPERTS CHOICE AWARDS 2016

    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% 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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  • 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. (1.50% balance transfer fee)
    • 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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  • NAB Rewards Platinum Card

    NAB Rewards Platinum Card

    • Up to 110,000 bonus points (T&Cs apply)
    • 1 NAB reward point for every $1 spent on everyday purchases
    • 0% p.a. Balance Transfer rate for the first 6 months.

    points per $ spent

    1 point per dollar on Visa, uncapped

    Interest rate

    19.99% p.a.

    annual fees

    $195

    Go to site

    More info

    • Up to 110,000 bonus points (T&Cs apply)
    • 1 NAB reward point for every $1 spent on everyday purchases
    • 0% p.a. Balance Transfer rate for the first 6 months.
    • Intro rate:
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Interest free days: 44
    • Rewards program: NAB Rewards
    • Bonus points: Earn double points (up to 60,000 bonus points) on everyday purchases within the first 6 months (capped at 10,000 points per month).
    • Balance transfer rate: 0% p.a. for 6 months and then 21.74% p.a.
    • Flight options: Redeem points via Webjet to book any flight you want.
    • Expiry: Never
    • 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
      19230 points buys a Myer $100 Gift Card
      40000 points buys a $160 credit
    Overall rating

    7.2

    Based on 1409 NAB 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 1 Velocity Point per $1 spent (T&Cs apply)

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    20.74% p.a.

    annual fees

    $0

    Go to site

    More info

    • 0% p.a. on balance transfers for the first 12 months
    • No annual fee
    • Earn 1 Velocity Point per $1 spent (T&Cs apply)
    • Intro rate:
    • Interest rate on cash withdrawals:
    • Interest free days: 55
    • Rewards program: Velocity Rewards
    • Bonus points: Earn 1 additional Velocity Point per $1 spent with Virgin Australia. Earn 0.5 Velocity Points per $1 spent at government bodies.
    • Balance transfer rate: 0% p.a. for 12 months (1.00% 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 Travel Adventures Card

    ANZ Rewards Travel Adventures Card

    • 40,000 bonus Velocity Points when you spend $500 on eligible purchases within the first 3 months of approval
    • No overseas transaction fee on purchases
    • Eligibility criteria, minimum spend and flight restrictions apply

    points per $ spent

    1.5 points per dollar on Visa, up to $2,000 per month, then
    0.5 points per dollar on Visa, uncapped

    Interest rate

    20.24% p.a.

    annual fees

    $225

    Go to site

    More info

    • 40,000 bonus Velocity Points when you spend $500 on eligible purchases within the first 3 months of approval
    • 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 40,000 bonus Velocity Points when you spend $500 on eligible purchases within the first 3 months of approval, conditions apply.
    • 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 Visa, up to $2,000 per month, then
      0.5 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

    Need more information?
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