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Bonus points reward credit cards

  • Bonus points help you to reach rewards status fast. Each rewards credit card will have different rewards point earnings rates, partner deals and bonus point criteria - so be sure to get the one that best fits your needs.

  • How do I compare bonus point deals?

    First, think about what rewards you are most likely to want use - flight, retail rewards or cashback. And consider the points to earning ratio of the rewards program, some will have better rewards ratios than others, so a 10,000 bonus point offer with one card may be better than a 20,000 point offer on another card.

  • Are there any tricks and traps with bonus point deals?

    In almost all instances there will be some kind of criteria that you need to meet in order for the bonus points to be activated. Some rewards credit card providers have set timeframes and purchase limits that need to be reached, others simply require you to make a purchase on the credit card.

Rewards credit card comparisons on Mozo Rates updated daily

  • 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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    • 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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  • 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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  • 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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  • 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

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    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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  • American Express Platinum Edge Credit Card

    American Express Platinum Edge Credit Card

    • $195 annual fee
    • $200 travel credit
    • 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
    • $200 travel credit
    • 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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  • Westpac Altitude Black - Online Offer (Rewards)

    Westpac Altitude Black - Online Offer (Rewards)

    • 100,000 bonus Qantas or Altitude Points
    • Up to 45 days interest free on purchases when you pay the closing balance
    • Dedicated Westpac Concierge service and access to exclusive Black Card Concierge App

    points per $ spent

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

    Interest rate

    20.24% p.a.

    annual fees

    $395 $0 in the first year for existing Westpac customers

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    • 100,000 bonus Qantas or Altitude Points
    • Up to 45 days interest free on purchases when you pay the closing balance
    • Dedicated Westpac Concierge service and access to exclusive Black Card Concierge App
    • Intro rate: 1.00% p.a. for 12 months
    • Interest rate on cash withdrawals: 20.74% p.a.
    • Interest free days: 45
    • Rewards program: Rewards
    • Bonus points: Bonus points available at a range of partner merchants including Altitude Travel, hotels and more.
    • Balance transfer rate: 0% p.a. for 16 months
    • Flight options: You can get flights via Velocity, Air New Zealand Air Points, Enrich or Krisflyer programs, or by booking through Altitude Travel.
    • Expiry: Never
    • Points earning: 3 points per dollar on Amex, 1.25 points per dollar on MasterCard, 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
      22000 points buys a Myer $100 Gift Card
      25000 points buys a $100 credit
    Overall rating

    7.2

    Based on 1431 Westpac rewards credit card reviews

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  • NAB Qantas Rewards Premium Card - Online Offer

    NAB Qantas Rewards Premium Card - Online Offer

    • Receive 75,000 bonus Qantas Points when you spend $1,500 on everyday purchases in the first 90 days.
    • 4.99% p.a on balance transfers for 6 months
    • Seven complimentary insurances including Overseas Travel Insurance

    points per $ spent

    1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $25,000 per month

    Interest rate

    19.99% p.a.

    annual fees

    $250

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    More info

    • Receive 75,000 bonus Qantas Points when you spend $1,500 on everyday purchases in the first 90 days.
    • 4.99% p.a on balance transfers for 6 months
    • Seven complimentary insurances including Overseas Travel Insurance
    • 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: 4.99% 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: 1.5 points per dollar on Amex, 0.5 points per dollar on Visa, up to $25,000 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

    7.2

    Based on 1409 NAB 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

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    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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  • American Express Velocity Platinum Card

    American Express Velocity Platinum Card

    • 0% p.a. on balance transfers for the first 12 months
    • Earn up to 3 points per dollar spent on eligible purchases
    • Earn up to 50,000 bonus Velocity Points

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    20.74% p.a.

    annual fees

    $349

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    • 0% p.a. on balance transfers for the first 12 months
    • Earn up to 3 points per dollar spent on eligible purchases
    • Earn up to 50,000 bonus Velocity Points
    • Intro rate:
    • Interest rate on cash withdrawals:
    • Interest free days: 44
    • Rewards program: Velocity Rewards
    • Bonus points: Earn 3 points per dollar for eligible purchases at Virgin Australia, and tens of thousands of restaurants in Australia; 2 points per dollar for various travel and foreign currency purchases; 1 point per dollar at all other providers; except 0.5 points per dollar 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: 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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  • 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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    • 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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  • American Express Qantas Ultimate Card

    American Express Qantas Ultimate Card

    • Earn 100,000 bonus Qantas points
    • Earn up to 3 Qantas Points per $1 spent on eligible purchases
    • 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

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    More info

    • Earn 100,000 bonus Qantas points
    • Earn up to 3 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 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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  • American Express Qantas Premium Card

    American Express Qantas Premium Card

    • Earn up to 2 bonus points per dollar spent on eligible purchases
    • Receive up to 30,000 extra Qantas Points
    • Enjoy 2 Qantas Club Lounge invitations every year

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    20.74% p.a.

    annual fees

    $249

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    More info

    • Earn up to 2 bonus points per dollar spent on eligible purchases
    • Receive up to 30,000 extra Qantas Points
    • Enjoy 2 Qantas Club Lounge invitations every year
    • Intro rate:
    • Interest rate on cash withdrawals:
    • Interest free days: 44
    • Rewards program: Qantas Frequent Flyer
    • Bonus points: Earn 2 points per $1 for eligible purchases at major supermarkets, petrol stations and selected Qantas services; 1 point per $1 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

    Need more information?
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  • NAB Qantas Rewards Card

    NAB Qantas Rewards Card

    • 0% p.a on purchases for 15 months
    • 0% p.a on balance transfers for 15 months (one off 3% BT fee)
    • 15,000 bonus Qantas Points when you make an everyday purchase within 90 days

    points per $ spent

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

    Interest rate

    19.99% p.a.

    annual fees

    $95

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    More info

    • 0% p.a on purchases for 15 months
    • 0% p.a on balance transfers for 15 months (one off 3% BT fee)
    • 15,000 bonus Qantas Points when you make an everyday purchase within 90 days
    • Intro rate: 0% p.a. for 15 months
    • 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 15 months and then 21.74% p.a. (3.00% 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, 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
      17250 points buys a Myer $100 Gift Card
    Overall rating

    7.2

    Based on 1409 NAB rewards credit card reviews

    Need more information?
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