Guide to rewards credit cards

Does your lifestyle involve hitting the shops big time or boarding airplanes on a regular basis? You could be the perfect candidate for a premium rewards card. This page features all you need to know about premium plastic - from VIP services like airline lounge access and 24/7 concierge to complimentary insurance for purchases made on your card. Let’s get started!

Addicted to freebies? Chances are, you’ll love what bonus point rewards cards can offer you too.

Are you a frequent flyer who would jump at the chance to access swish airport lounges, flight upgrades, free airline tickets and more? Perhaps it’s time you carried a proper rewards card in your wallet and started collecting points on your everyday spending. Before you sign up or switch to a more rewarding program, take a moment to read all about them here, so your frequent flyer points really take off. Let’s get started!

Rewards card? Check. Stack of points built up from all your shopping trips? Check. A plan for how you’re going to redeem them and get the most bang for your rewards buck? Well, that’s where this guide comes in.

Have you considered signing up with a rewards credit card that will give you cold hard cash? Welcome to the world of cashback offers where becoming a new customer is often enough to earn you extra bucks! It’s worth flirting with the idea if your preferred credit card reward is financial in nature.

If you’re tossing up between a rewards card and a regular piece of plastic, then you might be wondering just what the benefits of having points earning power in your corner are.

You’re probably the kind of person who uses a credit card a lot and has managing your balance down to a fine art. The next question is, which rewards card will suit you best? To find a piece of plastic that matches up to your freebie dreams, head over to our rewards revealer tool.

Whether you’re planning a mega shopping trip along Rodeo Drive or a great exploration of Europe, there is one thing you’ll need to pack - a competitive travel credit card. But finding the right one is hard to do if you don’t know what you’re looking for. That’s where this guide comes in, giving you the lowdown so you can be your own expert. Let’s go!

Congrats on your decision to join the rewards credit card club (or at least, resolving to switch providers)! During your search for an ideal piece of plastic online, you’ve probably stumbled across the term “gold” credit cards.

Some rewards credit card customers pay hundreds of dollars every year just for the privilege of being a cardholder. While other borrowers opt for the more basic rewards card with a lower annual fee attached.

The battle of the supermarket rewards program is never ending, constantly splashed before us with endless marketing and advertising campaigns. Should I shop at Coles for flybuys points or is Woolworths a better option to earn Woolworth rewards? This is a fair enough question to ask yourself! As there are many questions and unknowns when it comes to supermarket rewards we’ve decided to decipher these loyalty programs in a one stop shop guide.    

Most major service stations are partnered with a rewards credit card and or programs. Just as you can earn reward points for everyday expenses such a paying bills and grocery shopping you won’t miss out when you need to buy fuel. Earning reward points is pretty easy!  All you have to do is swipe your rewards credit card and or rewards program membership card when you pay for the fuel for a chance to earn points. They key is to buy petrol at a service station that is partnered with the rewards program you are a member of. Here’s a list of the partnerships between reward programs and service stations. You want to make sure you pull into a fuel station that will earn you petrol rewards!

You don’t have to be a mathematician when it comes to calculating rewards points. While it can be confusing as no reward program is the same, there is a fairly simple equation you can follow that will calculate the rewards points currency. This guide will hopefully help you make sense, the process of calculating rewards points so you can earn your free ticket to Bali in no time.

Choosing a credit card is a challenge in itself then deciding on the best rewards program to attach to your card can be just as testing. You may just throw your hands in the air and declare it all too difficult! But don’t, stop there and take a breath, as Mozo has come to the rescue. This guide will help you through the process of choosing a rewards program that is the best fit for you and one that will having you reaping in the benefits.

It would be a little un-Australian if you weren’t familiar with the lyrics ‘I still call Australia home…’! It’s the tune to the Qantas campaign that started running in the late 1990’s, linking it to Australia’s most recognised and longest running airlines. The iconic Aussie airline has a Qantas Frequent Flyer loyalty program and the best news is, you don’t have to be a frequent flyer to enjoy the benefits of being a member. 

On the hunt for a credit card that’s going to reward you for spending? If so, you’re in the right spot! This guide will take you through all the different types of rewards credit cards you can choose from. With so many reward card options out there, find one that you will benefit from most, with perks to suit your lifestyle and needs.  

Velocity Frequent Flyer is the official rewards program for Virgin Australia. There are plenty of easy and quick ways to earn Velocity points, just by using your Velocity Frequent Flyer credit card when you make purchases. The loyalty program then has a huge range of rewards you can redeem your points on as well as offering unique benefits including family pooling and points for pets! 

As a credit card holder, you may think all the benefits lie with the money hungry banks and financial institutions. Wrong! As the owner of a rewards credit card you get to lap up some cool perks of your own. Each time you spend money on your credit card, you earn points from your bank, then YOU get to dictate how you want to be rewarded for your spending. Not a bad deal! However the reward program you choose will dictate how many points you accrue for your spending. But before you start planning on using those points for a trip to Bali or a new high definition flat screen TV, make sure your read this guide on the ins and outs of a reward program. 

Who doesn’t love something for nothing?! Well, welcome to the world of reward credit cards, your ticket to receiving freebies for spending money. There are so many types of reward programs from frequent flyer, cashback, travel and shopping rewards just to name a few. So each time you spend money on your rewards credit card you earn points. These points can be redeemed for a huge range of products from flights to toasters to a new pair of jeans. The rewards are endless! Now, is the taxman going to come after you for these rewards and benefits you receive? Or is there a positive spin on credit card rewards and tax? Read this guide to learn the ins and outs on tax and credit card rewards. 

It appears that more and more Aussies are starting to return to travel, as revealed by Citi Australia’s March Credit Card index.

Last week Victorian Treasurer Tim Pallas threw down the gauntlet to Federal Treasurer Josh Frydenberg asking for credit card interest rates to be slashed. He argued that although the cost of borrowing money has plummeted over the past few years, credit card interest rates have remained the same. “That is unfair, it is unreasonable, and it’s unconscionable, and it has to stop,” he said.“The Commonwealth needs to step up.”To get credit card interest rates under control, Pallas has also demanded a review into how rates are set and regulated within Australia. It might not be that much of a bold statement either, as credit card rates have barely moved, despite the fact that the official cash rate currently sits at 0.1% Mozo research from November last year revealed that by failing to pass on 4.40% in RBA rate cuts over the past eight years, credit card providers have profited an eye-watering $6.4 billion. According to Pallas, the move to reduce credit card interest rates would help the banks “re-establish their credibility” with customers. While it’s unclear whether this idea will come to fruition, credit card holders can take action now against their card’s interest rate by making the switch to a better deal. According to the Mozo database, the average credit card rate is 16.87%, while the lowest sits at 7.49%, so there are some decent savings to be made by shopping around.

Love rewards points? If you’re on the market for a new rewards credit card, a bonus points offer might be exactly what you need to scratch your points-loving itch. So which credit cards come with bonus points?  Well, American Express has just launched two bonus points offers to new card members.

Credit cards are staging a come-back in 2021, with a wave of fresh new card offers hitting the market that at first glance seem almost too generous to be true. But there’s a bigger story driving this wave of apparent generosity, and it’s one that cardholders are set to benefit from.