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Bonus points rewards 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

  • 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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  • 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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  • 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 30 September 2017. Offer ends 30 June 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 30 September 2017. Offer ends 30 June 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
      16920 points buys a Myer $100 Gift Card
    Overall rating

    6.9

    Based on 1932 ANZ rewards credit card reviews

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  • Suncorp Clear Options Platinum (Rewards)

    Suncorp Clear Options Platinum (Rewards)

    • 0% p.a. for 18 months on balance transfers
    • 5% cash back on retail purchases for the first 3 months (up to $250 cash back)
    • 1.25 Suncorp Rewards Points for every $1 spent on Eligible Transactions

    points per $ spent

    1.25 points per dollar on Visa, up to 120000 points per year

    Interest rate

    20.74% p.a.

    annual fees

    $169

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    • 0% p.a. for 18 months on balance transfers
    • 5% cash back on retail purchases for the first 3 months (up to $250 cash back)
    • 1.25 Suncorp Rewards Points for every $1 spent on Eligible Transactions
    • Intro rate:
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Interest free days: 55
    • Rewards program: Rewards
    • Bonus points:
    • Balance transfer rate: 0% p.a. for 18 months and then 21.99% p.a.
    • Flight options: You can redeem flights via Velocity, Emirates Skywards or Krisflyer programs or by booking through the Suncorp Travel Centre.
    • Expiry: Never
    • Points earning: 1.25 points per dollar on Visa, up to 120000 points per year
    • Points required: 1 points buys 0.4 Velocity Points; 7800 Velocity Points buys a Virgin Australia Syd-Mel flight
      1 points buys 0.4 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

    7.0

    Based on 138 Suncorp rewards credit card reviews

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  • American Express Platinum Edge Credit Card

    American Express Platinum Edge Credit Card

    • Receive 5,000 Membership Rewards Bonus Points (T&Cs apply)
    • $200 travel credit
    • Enjoy no annual fee for the first year (T&Cs apply)

    points per $ spent

    1 point per dollar on Amex, uncapped

    Interest rate

    20.74% p.a.

    annual fees

    $195 $0 in the first 1 year

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    • Receive 5,000 Membership Rewards Bonus Points (T&Cs apply)
    • $200 travel credit
    • Enjoy no annual fee for the first year (T&Cs apply)
    • 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% 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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  • ANZ Rewards Platinum

    ANZ Rewards Platinum

    • $250 Westfield Gift Card, when you spend $2,500 in the first 60 days from approval
    • 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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    • $250 Westfield Gift Card, when you spend $2,500 in the first 60 days from approval
    • 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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  • 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
    • Receive 50,000 Membership Rewards Bonus Points (T&Cs apply)

    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
    • Receive 50,000 Membership Rewards Bonus Points (T&Cs apply)
    • 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% balance transfer fee)
    • Flight options: Redeem Velocity points 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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  • St.George Amplify Classic (Rewards)

    St.George Amplify Classic (Rewards)

    • 0% p.a. on purchases for the first 6 months
    • 0% p.a. on balance transfers for 12 months
    • Up to 55 interest free days on purchases

    points per $ spent

    1 point per dollar on Visa, uncapped

    Interest rate

    19.49% p.a.

    annual fees

    $79 $0 in the first year for existing St.George customers

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    • 0% p.a. on purchases for the first 6 months
    • 0% p.a. on balance transfers for 12 months
    • Up to 55 interest free days on purchases
    • Intro rate: 0% p.a. for 6 months
    • Interest rate on cash withdrawals: 20.24% p.a.
    • Interest free days: 55
    • Rewards program: Rewards
    • Bonus points:
    • Balance transfer rate: 0% p.a. for 12 months
    • Flight options: You can get flights via Velocity, Enrich or Krisflyer programs.
    • 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
      18200 points buys a Myer $100 Gift Card
      18000 points buys a Amplify $99 annual fee
    Overall rating

    7.0

    Based on 330 St.George rewards credit card reviews

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  • 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
      16920 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 75,000 bonus Qantas Points (T&Cs apply)
    • Earn up to 2.5 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 75,000 bonus Qantas Points (T&Cs apply)
    • Earn up to 2.5 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
      16920 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 2.25 Qantas Points per $1 spent on eligible purchases
    • Earn 60,000 bonus Qantas Points (T&Cs apply)
    • Enjoy 2 Qantas Club Lounge invitations every year

    points per $ spent

    1.25 points per dollar on Amex, uncapped

    Interest rate

    20.74% p.a.

    annual fees

    $249

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    More info

    • Earn up to 2.25 Qantas Points per $1 spent on eligible purchases
    • Earn 60,000 bonus Qantas Points (T&Cs apply)
    • 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 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: 1.25 points per dollar on Amex, uncapped
    • Points required: 8000 points buys a Qantas Syd-Mel flight
      120000 points buys a Qantas London flight
      16920 points buys a Myer $100 Gift Card
    Overall rating

    7.3

    Based on 255 American Express rewards credit card reviews

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  • Bank of Melbourne Amplify Classic (Rewards)

    Bank of Melbourne Amplify Classic (Rewards)

    • 0% p.a. on purchases for the first 6 months
    • 0% p.a. on balance transfers for 12 months
    • Up to 55 interest free days on purchases

    points per $ spent

    1 point per dollar on Visa, uncapped

    Interest rate

    19.49% p.a.

    annual fees

    $79 $0 in the first year for existing Bank of Melbourne customers

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    • 0% p.a. on purchases for the first 6 months
    • 0% p.a. on balance transfers for 12 months
    • Up to 55 interest free days on purchases
    • Intro rate: 0% p.a. for 6 months
    • Interest rate on cash withdrawals: 20.24% p.a.
    • Interest free days: 55
    • Rewards program: Rewards
    • Bonus points:
    • Balance transfer rate: 0% p.a. for 12 months
    • Flight options: You can get flights via Velocity, Enrich or Krisflyer programs.
    • 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
      18200 points buys a Myer $100 Gift Card
      18000 points buys a Amplify $99 annual fee
    Overall rating

    7.8

    Based on 69 Bank of Melbourne rewards credit card reviews

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