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Rewards Credit Cards

With a rewards credit card you can earn points for every dollar spent which can be exchanged for a number of rewards including airmiles, cashback and shopping vouchers. Apply online and start earning today.

Credit Cards

Editors Choice - Citibank Clear Platinum - 6 months 0%

Get a market leading package including a fantastically low APR of only 11.99%p.a coupled with 6 months 0% on Balance Transfers, Purchases and Cash Advances...

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Rewards

Virgin Money Velocity Flyer Card (Points Offer)

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Advice

Buy a seat on Virgin Blue with the new Virgin Flyer Credit Card and Virgin will give you a second complimentary seat on the flight, up to 4 times a year. Every year. All you have to do is cover the credit card booking fees!!

Introductory Offer
Balance Transfer Rate:	2.90% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	20.99% p.a.
Purchases:	20.99% p.a.
Cash Advance:	20.99% p.a.
Annual Fee:	$129
Standard Features
Credit Limit:	$6,000 - $100,000
Interest Free Days:	Up to 44 days
On-Line Banking:	Yes
Approval Criteria
You are over 18 years of age. You have a good credit rating. You have an annual Income of $35000 p.a. or more. You are a permanent resident/citizen of Australia You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards) Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Credit Card Benefits

Earn up to 15,000 bonus Velocity Points – 7,500 points when you apply for a new Virgin Flyer Credit Card by 30 June 2013 and make a retail purchase. And an additional 7,500 Points when you spend $5,000 within 3 months of card approval. That’s a total of 15,000 bonus Points!!
Earn 1 Velocity Point per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2 spent.
Redeem points for flights with Virgin Blue, Pacific Blue, V Australia and international partner airlines giving customers free flights to over 400 destinations. Plus a range of non flight redemption options such as car hire, accommodation gift cards and other goods.
No blackout periods and points can be redeemed on any seat and any time.
Take a friend for free when you fly on Virgin Blue (equates to 4 free one way flights per year)
Fraudshield protection and Visa Zero Liability Insurance
Optional CreditShield Edge
Travel Accident Insurance and Concierge
Great Customer Service

St.George Amplify

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Advice

You have a choice of St.George Amplify Reward Points or Qantas Reward Points

Introductory Offer
Balance Transfer Rate:	0.99% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	18.74% p.a.
Purchases:	18.74% p.a.
Cash Advance:	20.74% p.a.
Annual Fee:	No Annual Fee in 1st Yr, then $79
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia

Credit Card Rewards

You have a choice of St.George Amplify Reward Points or Qantas Reward Points
$1 spent = 1 Amplify Point
$2 spent = 1 Qantas Frequent Flyer points

Bankwest More Classic Card

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Advice

Get 4,000 Qantas Frequent Flyer points after first use of your card!

Introductory Offer
Balance Transfer Rate:	0% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	19.49% p.a.
Purchases:	19.49% p.a.
Cash Advance:	21.99% p.a.
Annual Fee:	$70 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 55 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Earned Taxable Income of over $15,000.pa

Credit Card Benefits

Disclaimer: Lending criteria, fees and charges, terms and conditions apply. Rates are subject to change and exclude cash advances (rate of 21.99% p.a. applies). One Bankwest More MasterCard per customer.

Credit Card Rewards

Get 4,000 Qantas Frequent Flyer points after first use of your card!
($1 spent = 1.5 Reward Points)

Coles MasterCard

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Advice

The convenience of your Coles MasterCard and flybuys card in one.

Introductory Offer
Balance Transfer Rate:	N/A
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	19.99% p.a.
Purchases:	19.99% p.a.
Cash Advance:	19.99% p.a.
Annual Fee:	A low $49 annual fee
Standard Features
Interest Free Days:	Up to 62 days
On-Line Banking:	Yes
Approval Criteria
You are 18 years or older; You are an Australian resident or intend to stay in Australia for the next 12 months with Visa permission; You have an income after tax of $15,000 p.a.

Credit Card Benefits

Get up to 62 days interest free on purchases.
Redeem flybuys points for an instant $10 off your grocery shopping at Coles Supermarkets - $10 = 2,000 flybuys points.

Credit Card Rewards

With your Coles MasterCard, you earn 2 flybuys points for every $1 you spend at flybuys participants and not 2 flybuys points for every $1 you spend everywhere.
Exchange 2,000 flybuys points for $10 off your shopping at Coles

Amex David Jones Card (points offer)

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Advice

If you spend 3 times outside of David Jones within the first month of receiving your card get 15,000 Bonus Points, or 11,250 Qantas Points.

Introductory Offer
Balance Transfer Rate:	N/A
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	20.74% p.a.
Purchases:	20.74% p.a.
Cash Advance:	19.99% p.a.
Annual Fee:	$99 p.a.
Standard Features
Credit Limit:	Subject to Status
Interest Free Days:	Up to 56 days
On-Line Banking:	Yes
Approval Criteria
You are over 18 years of age. You have a good credit rating. You have an annual Income of $40,000 p.a. or more. You are a permanent resident/citizen of Australia. If self-employed, to have been working for more than one year

Credit Card Benefits

If you spend 3 times outside of David Jones within the first month of receiving your card get 15,000 Bonus Points, or 11,250 Qantas Points.

Credit Card Rewards

Earn points up to 3x faster with Membership Rewards 3-2-1:
3 x points at major supermarkets
2 x points at major petrol stations
1 x point for every dollar spent on all other purchases

NAB Velocity Rewards

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Advice

Get 7,500 bonus Points when you apply by 30 June 2013 (and make a purchase)!

Introductory Offer
Balance Transfer Rate:	4.99% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	19.99% p.a.
Purchases:	19.99% p.a.
Cash Advance:	21.74% p.a.
Annual Fee:	$65 p.a.
Standard Features
Credit Limit:	$5,000
Interest Free Days:	Up to 44 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You are NOT Self-employed You have a Good Credit History You are a permanent resident/citizen of Australia You DO NOT have an RMB/RSD (Roadside Mailbox or Roadside Delivery) as the only form of street address

Credit Card Rewards

Amex Card - Earn up to 1.5 Velocity Points per $2 spent on purchases
Visa Card - Earn up to 1 Velocity Points per $2 spent on purchases

NAB Velocity Rewards Platinum

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Advice

Get 17,000 bonus Points when you apply by 30 June 2013 (and make a purchase).

Introductory Offer
Balance Transfer Rate:	4.99% p.a. for 6 mths
Balance Transfer Fee:	N/A
Purchase Rate:	0% p.a.
Annual Rates
Balance Transfers:	19.99% p.a.
Purchases:	19.99% p.a.
Cash Advance:	21.74% p.a.
Annual Fee:	$150 p.a.
Standard Features
Credit Limit:	$5,000
Interest Free Days:	Up to 44 days
On-Line Banking:	Yes
Approval Criteria
You are at least 18 Years of Age You are NOT Self-employed You have a Good Credit History You are a permanent resident/citizen of Australia You DO NOT have an RMB/RSD (Roadside Mailbox or Roadside Delivery) as the only form of street address

Credit Card Benefits

Get the following complementary insurances;
Overseas Travel Insurance
Interstate Flight Inconvenience Insurance
Transport Accident Insurance
Domestic Hotel Burglary Insurance
Purchase Protection Insurance
Extended Warranty Insurance
Price Protection Insurance

Credit Card Rewards

Amex Card - Earn up to 2 Velocity Points per $2 spent on purchases
Visa Card - Earn up to 1 Velocity Points per $2 spent on purchases

Citibank Emirates

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Advice

Ability to earn and redeem Skywards Miles on Virgin Blue flights, not just Emirates. No Annual Fee in first year, saving $229!!

Introductory Offer
Balance Transfer Rate:	3.90% p.a. for 9 mths
Balance Transfer Fee:	N/A
Purchase Rate:	N/A
Annual Rates
Balance Transfers:	20.99% p.a.
Purchases:	20.99% p.a.
Cash Advance:	21.24% p.a.
Annual Fee:	No Annual Fee in 1st Yr, then $229
Standard Features
Credit Limit:	$100,000
Interest Free Days:	Up to 55 days
On-Line Banking:	No
Approval Criteria
You are at least 18 Years of Age You have a Good Credit History You are a permanent resident/citizen of Australia You have an Income of over $35,000.pa You have not applied and been declined for another Citibank product in the last 9 months Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Credit Card Benefits

Complimentary Chauffeur-drive service to and from Australian airports
Complimentary lounge access in Australia and Dubai
Ability to earn and redeem Skywards Miles on Virgin Blue flights
Complimentary international travel and purchase cover insurance
International award-winning airline that flies to over 100 destinations on six continents
24/7 Personal Concierge around the world
The flight rewards featured below are for some of the most popular destinations that Emirates flies to. Take up the new Emirates Citi Platinum Card now, so you can bring the world closer, sooner.

Reward Credit Cards Explained

What are reward credit cards?

Reward credit cards offer rewards for purchases and can yield some attractive benefits. By using a reward credit card for everyday purchases, such as food shopping, petrol, and utility bills, reward card holders can accumulate attractive benefits at no extra cost.

How are they useful?

Reward credit cards allow you to earn points, either by making purchases or by paying off the balance, which can then be exchanged for goods or services.

How do I benefit from a reward credit card?

Reward cards are a wide-ranging market and they target different type of consumer. Whether you are seeking air-miles, cheaper fuel, shopping vouchers, or cashback, there is a reward card available.

What to watch with reward credit cards:

Reward credit cards tend to come with high annual fees and high interest rates. Ideally, reward card holders should pay off their bill in full each month to ensure that the value of the gains is not offset by the interest.

Does this credit card suit me?

For regular credit card users with the ability to pay off the balance in full every month, a reward credit card could offer many useful advantages.

See our best reward credit cards above.

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Credit Cards

Editors Choice - Citibank Clear Platinum - 6 months 0%

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Credit Card Benefits

Credit Card Rewards

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Credit Card Benefits

Credit Card Rewards

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Credit Card Benefits

Credit Card Rewards

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Credit Card Rewards

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Credit Card Benefits

Credit Card Rewards

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Credit Card Benefits

Reward Credit Cards Explained

What are reward credit cards?

How are they useful?

How do I benefit from a reward credit card?

What to watch with reward credit cards:

Does this credit card suit me?

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