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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.
Editors Choice - ANZ Frequent Flyer - 10,000 Qantas Points
The ANZ Frequent Flyer Classic card is offering 10,000 FREE Qantas airmiles with each card. Apply by 13 March 2012 and claim your FREE miles!!...
ANZ Frequent Flyer Classic
Advice
Receive 10,000 Bonus Qantas Frequent Flyer points if you apply before 13th March 2012!
Cardholders receive complimentary Qantas Frequent Flyer membership worth $82.50
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | N/A |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 19.74% p.a. |
| Purchases: | 19.74% p.a. |
| Cash Advance: | 20.99% p.a. |
| Annual Fee: | $95 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 44 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
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Credit Card Rewards
- Frequently Flyer Visa Card = 1 Qantas Points for every $2 spent
- Frequently Flyer Amex Card = 1 Qantas Point for every $1 spent
- Complimentary Qantas Frequent Flyer membership worth $82.50
ANZ Frequent Flyer Platinum
Advice
Receive 20,000 Bonus Qantas Frequent Flyer points if you apply before 13th March 2012!
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | N/A |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 19.74% p.a. |
| Purchases: | 19.74% p.a. |
| Cash Advance: | 20.99% p.a. |
| Annual Fee: | $295 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
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Credit Card Benefits
- 90-day Purchase Security Insurance - Insurance against loss, theft or breakage over a range of new personal items when the purchase is charged to your ANZ Frequent Flyer Platinum credit cards.
- Overseas Travel and Medical Insurance.
- Extended Warranty - Double the manufacturer's expressed Australian warranty on goods by up to 12 months when the entire purchase is charged to your ANZ Frequent Flyer Platinum credit cards.
- Access to Visa Platinum Concierge and Visa Platinum privileges with ANZ Frequent Flyer Visa Platinum.
- ANZ Visa payWave - new contactless payment feature.
- Complimentary Quantas Frequent Flyer membership worth $82.50.
Credit Card Rewards
- Frequently Flyer Visa Card = 1 Qantas Points for every $2 spent
- Frequently Flyer Amex Card = 1.5 Qantas Point for every $1 spent
St. George Amplify
| 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: | $79 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
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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 Card
Advice
Make an eligible purchase in the first 2 months and earn a bonus 5,000 More Rewards points. Opt in to More Rewards Qantas and earn 1,666 Qantas Frequent Flyer points.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 5.99% p.a. for 12 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 19.24% p.a. |
| Purchases: | 19.24% p.a. |
| Cash Advance: | 20.49% p.a. |
| Annual Fee: | $89 p.a. |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
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Credit Card Rewards
- Receive 5,000 Bankwest More Reward Bonus Points when you activate your card, or 1,666 Qantas Frequent Flyer Points.
- That's enough for a $100 Flight Centre voucher!
- ($1 spent = 1.5 Reward Points)
Citibank BP Mastercard
Advice
Get 10% cash back on purchases at BP until 31st July 2012, Plus get 0.5% cash-back off everything else you buy anywhere
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0% p.a. for 6 mths |
| Balance Transfer Fee: | 0% |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 20.89% p.a. |
| Purchases: | 20.89% p.a. |
| Cash Advance: | 21.39% p.a. |
| Annual Fee: | $89 p.a. |
| Standard Features | |
| Credit Limit: | $25,000 |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Cashback | |
| Standard Cashback Rate: | 0.50% |
| Approval Criteria | |
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Credit Card Rewards
- 10% cash back on purchases at BP until 31st July 2012
- 0.5% back everywhere else you spent (excluding non-BP petrol stations)
- Up to 55 days interest-free on retail purchases
- MasterCard Worldwide acceptance
- Access to Citibank World Privileges with up to 25% off shopping, dining and travel worldwide
ANZ Reward Card
Advice
Receive 10,000 Bonus Reward Points if you apply by 13 March 2012!
Earn 2 reward points for every $1 spent with Amex, or 1.5 for every $1 with Visa
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | N/A |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 0% p.a. 3 mths |
| Annual Rates | |
| Balance Transfers: | 19.74% p.a. |
| Purchases: | 19.74% p.a. |
| Cash Advance: | 20.99% p.a. |
| Annual Fee: | $89 p.a. |
| Standard Features | |
| Interest Free Days: | Up to 44 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
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Credit Card Rewards
- $1 = 2 ANZ Reward Points with Amex card option
- $1 = 1.5 ANZ Reward Points with Visa card option
- Redeem points for rewards or Cash Back every 4 months.
Citibank Emirates
Advice
Ability to earn and redeem Skywards Miles on Virgin Blue flights, not just Emirates. Now earn 4 Skywards Miles per AU$1 spent (normally 1.5 Miles per $1) up to 25,000 miles for applications by 31 January 2012.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0% p.a. for 7 mths |
| Balance Transfer Fee: | 0% |
| 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: | $229 p.a. |
| Standard Features | |
| Credit Limit: | $100,000 |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | No |
| Approval Criteria | |
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Credit Card Benefits
- 4 Skywards Miles per $1 spent up to 25,000 miles (cardholders must apply by 31 January 2012)
- Complimentary Chauffeur-drive service to and from Australian airports
- Complimentary lounge access in Australia and Dubai
- Lower annual fee than competing airline cards at $199
- 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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