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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

  • 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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    More info

    • 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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  • 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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    • 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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  • 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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  • 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 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

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    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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  • 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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  • ANZ Frequent Flyer Platinum

    ANZ Frequent Flyer Platinum

    • 50,000 Qantas 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, 0.5 points per dollar on Visa, up to $6,000 per month

    Interest rate

    19.99% p.a.

    annual fees

    $295

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    More info

    • 50,000 Qantas 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: 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, 0.5 points per dollar on Visa, up to $6,000 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

    6.9

    Based on 1932 ANZ 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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  • 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

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