Guide to rewards credit cards

Premium rewards cards

Premium rewards 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!

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Frequent flyer rewards cards

Frequent flyer rewards cards

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!

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How do I redeem credit card rewards points?

How do I redeem credit card rewards points?

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.

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Cashback rewards cards

Cashback rewards cards

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.

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Is a rewards card really right for me?

Is a rewards card really right for me?

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.

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Travel rewards cards

Travel rewards cards

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!

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Gold rewards cards

Gold rewards cards

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.

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Low annual fee rewards cards

Low annual fee rewards 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.

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Supermarket rewards

Supermarket rewards

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.    

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Petrol rewards

Petrol rewards

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!

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Calculating rewards points

Calculating rewards points

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.

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How to choose a rewards program

How to choose a rewards program

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.

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Qantas frequent flyer

Qantas frequent flyer

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. 

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Types of rewards credit cards

Types of rewards credit cards

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.  

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Velocity frequent flyer

Velocity frequent flyer

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! 

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Reward programs - the ultimate guide

Reward programs - the ultimate guide

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. 

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Credit card rewards and tax

Credit card rewards and tax

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. 

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Rewards credit card news

 Aussies could save a $2.1 billion by switching credit cards

Aussies could save a $2.1 billion by switching credit cards

If you’ve been looking for a sign to downgrade your high interest credit card, this is it. According to the latest Mozo research, if Aussies switched their high rate plastic to the market leading low rate card, we’d collectively have an annual saving of $2.1 billion!We found that the highest credit card interest rate in the Mozo database clocks in at a whopping 24.99%, 17.50% higher than the lowest credit card rate on the market. Mozo Director Kirsty Lamont believes now has never been a better time to make the switch, as many high rates come with rewards and perks that are out of the question until further notice. “At a time when travel linked rewards on high interest rate credit cards largely grounded due to the pandemic, getting value through this premium card category has become more challenging,” she said. 

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 Picking up a rewards card? Consider these extras

Picking up a rewards card? Consider these extras

From a warm bath to an hour long massage, we all deserve a little luxury every once in a while. But if you're keen to indulge in a bit of luxury with your shopping habits, you might be considering picking up a rewards credit card. Unlike a regular credit card, these flashy pieces of plastic are loaded with a range of features and rewards. So if you’d like to find out what extra perks you could get your hands on, check out our list below.

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 How to spread Christmas costs with a 0% purchase rate credit card

How to spread Christmas costs with a 0% purchase rate credit card

For many Aussies, Christmas has the tendency to sneak up. Before we know it, we’ll be dropping bundles of cash and draining our savings. But if you’re keen on getting a bit more financially savvy with your Christmas shopping this year, why not try picking up a 0% purchase rate credit card?As the name suggests, a 0% purchase rate credit card is a type of card that comes with no interest, but for a specific time length. After the 0% interest period is up, the card then reverts to a purchase rate that can range from anywhere between 11% - 14%. While the idea of interest-free spending might sound like a Christmas miracle, there are a few things to keep in mind before signing the dotted line.

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