Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.
Here, we’ve chosen our favourites across several categories to help you find the top pick you’re looking for. Every month we review and update our picks. Here are our winners for April 2024!
Up to 80,000 Bonus Qantas Points
Travel insurance + 2 lounge visits per year
180,000 bonus ANZ
Rewards points
$150 cashback on your account
60,000 Bonus Qantas Points
$450 Qantas Travel Credit every year
$300 cashback and
no annual fee if you
meet criteria
Up to 100,000 Bonus Velocity Points
100 Frequent Flyer Velocity Status Credits
You can see a little more about each credit card below, or click “Go to site” to visit the provider’s page and apply.
A massive points-earner with travel perks that make globetrotting cheaper and more fun.
🧡 You can earn up to 80,000 bonus Qantas Points plus bonus points on overseas spending and certain Qantas products.
🧡 The 50% discount brings the first year’s annual fee to $349.
🧡 As well as great travel extras, it also comes with a surprising 12-month interest-free balance transfer offer.
⨻ Points are uncapped but will drop to 0.5 once you’ve spent more than $10,000 in a statement period.
Earn 60k bonus Qantas Points on eligible purchases within the first 3 months of card approval, and another 20k if you haven’t earned Qantas Points with a credit card in the last 12 months. Offer ends 1 May 2024.
A big points earner with comprehensive travel perks.
🧡 180,000 points is one of the biggest points bonuses we’ve seen.
🧡 You can get $150 cashback in the first year, which helps offset the annual fee.
🧡 It includes rental vehicle excess insurance in Australia, which is an uncommon and very helpful insurance.
⨻ You’ll earn 2 points per $1 up to $5,000 in a statement period. After that, you’ll earn 1 points per $1.
To get the 180,000 bonus ANZ Rewards Points and the $150 back, you need to spend $3,000 on eligible purchases in the first 3 months from approval.
This is a globetrotters friend with extras that make travel cheaper and more fun.
🧡 It comes with $450 Travel Credit per year plus 4 lounge invitations
🧡 Fun extras like complimentary Qantas Wine membership and free shipping
🧡 60,000 bonus points and a huge 1.25 Qantas Points per $1 make this one of the top Qantas-points earning cards.
⨻ The Qantas Club lounge invitations are only available after spending directly with Qantas. And, the interest rate on purchases is very high at 23.99% p.a.
Earn 60,000 bonus Qantas Points when you spend $3,000 within the first 3 months (new Qantas Amex Ultimate cardholders only)
A top-class rewards card with big Velocity Points, travel extras and status credits up for grabs. A good card for frequent travellers.
🧡 Up to 100,000 points is one of the biggest Velocity Points bonuses we’ve seen. It could cover a number of return flights around the world.
🧡 Comes with platinum travel perks including free domestic flights and lounge passes.
🧡 You’ll receive 100 Velocity Frequent Flyer Status Credits, which is a rare extra.
⨻ This is a higher-tier card with an annual fee to match, at $375 per year. It also has a high interest rate on purchases, so you’ll want to be paying it off each month to get the most value.
To earn the bonus points you must spend $3,000 on eligible purchases in the first 3 months. 100 Velocity Status Credits are earned when you spend at least $50,000 on your card on eligible purchases in the first year.
Make money by earning up to $300 back and pay no annual fee ever if you meet the criteria each year.
🧡 This card has a very decent $300 cashback offer.
🧡 You’ll pay no annual fee ever if you spend $20,000 on your card each year.
🧡 It comes with great extras like overseas and domestic travel insurance.
⨻ This card has a high interest rate on purchases and balance transfers. It doesn’t earn any rewards points, either.
Get $300 back on your account when you spend $1,500 on eligible purchases in the first 3 months from approval. Plus, the annual fee is waived the first year, and each subsequent year if you meet the $20k minimum annual spend (otherwise $87).
Credit cards with reward points earn them in two ways:
When you’re comparing credit cards, think about what you want to use the points for. You might want to get free flights or seat upgrades, redeem points for merchandise or even subscriptions, or get money off your grocery shopping.
Then, look at the annual fee. You’ll need to calculate if the points you’ll earn will outweigh the cost of the annual fee. It’s a balancing act. Rewards cards come in a range of annual fees which makes it easier to find one that suits you. Just know that the higher the annual fee, the greater the perks and points potential.
To make the decision a little easier, here’s how to weigh up the cost of the card against the points value.
1. Work out how much you’re likely to spend on the card each year. You can do that by using a current credit card statement, or estimating the expenses you’ll pay on the card each month.
2. Calculate the value by looking at the reward program’s website to see what you can redeem your points for.
3. Figure out the value of the items or services you could redeem your points for. That will give you an idea of a monetary value of the points.
4. Compare the dollar value to the card’s annual fee.
You can get other features on a rewards card besides earning points. Most are aimed at travelling, but you can find other extras that include discounts, cashback and exclusive event invitations.
Generally, most rewards programs won’t give you points for cash advances, balance transfers, BPAY payments and paying card fees. Some cards will give you points for government payments and others won’t. Check our review and the PDS to see if you can earn on government payments.
Here, we’ve chosen our favourites across several categories to help you find the top pick you’re looking for. Every month we review and update our picks. Here are our winners for April 2024!
Up to 80,000 Bonus Qantas Points
Travel insurance + 2 lounge visits per year
180,000 bonus ANZ
Rewards points
$150 cashback on your account
60,000 Bonus Qantas Points
$450 Qantas Travel Credit every year
$300 cashback and
no annual fee if you
meet criteria
Up to 100,000 Bonus Velocity Points
100 Frequent Flyer Velocity Status Credits
You can see a little more about each credit card below, or click “Go to site” to visit the provider’s page and apply.
A massive points-earner with travel perks that make globetrotting cheaper and more fun.
🧡 You can earn up to 80,000 bonus Qantas Points plus bonus points on overseas spending and certain Qantas products.
🧡 The 50% discount brings the first year’s annual fee to $349.
🧡 As well as great travel extras, it also comes with a surprising 12-month interest-free balance transfer offer.
⨻ Points are uncapped but will drop to 0.5 once you’ve spent more than $10,000 in a statement period.
Earn 60k bonus Qantas Points on eligible purchases within the first 3 months of card approval, and another 20k if you haven’t earned Qantas Points with a credit card in the last 12 months. Offer ends 1 May 2024.
A big points earner with comprehensive travel perks.
🧡 180,000 points is one of the biggest points bonuses we’ve seen.
🧡 You can get $150 cashback in the first year, which helps offset the annual fee.
🧡 It includes rental vehicle excess insurance in Australia, which is an uncommon and very helpful insurance.
⨻ You’ll earn 2 points per $1 up to $5,000 in a statement period. After that, you’ll earn 1 points per $1.
To get the 180,000 bonus ANZ Rewards Points and the $150 back, you need to spend $3,000 on eligible purchases in the first 3 months from approval.
This is a globetrotters friend with extras that make travel cheaper and more fun.
🧡 It comes with $450 Travel Credit per year plus 4 lounge invitations
🧡 Fun extras like complimentary Qantas Wine membership and free shipping
🧡 60,000 bonus points and a huge 1.25 Qantas Points per $1 make this one of the top Qantas-points earning cards.
⨻ The Qantas Club lounge invitations are only available after spending directly with Qantas. And, the interest rate on purchases is very high at 23.99% p.a.
Earn 60,000 bonus Qantas Points when you spend $3,000 within the first 3 months (new Qantas Amex Ultimate cardholders only)
A top-class rewards card with big Velocity Points, travel extras and status credits up for grabs. A good card for frequent travellers.
🧡 Up to 100,000 points is one of the biggest Velocity Points bonuses we’ve seen. It could cover a number of return flights around the world.
🧡 Comes with platinum travel perks including free domestic flights and lounge passes.
🧡 You’ll receive 100 Velocity Frequent Flyer Status Credits, which is a rare extra.
⨻ This is a higher-tier card with an annual fee to match, at $375 per year. It also has a high interest rate on purchases, so you’ll want to be paying it off each month to get the most value.
To earn the bonus points you must spend $3,000 on eligible purchases in the first 3 months. 100 Velocity Status Credits are earned when you spend at least $50,000 on your card on eligible purchases in the first year.
Make money by earning up to $300 back and pay no annual fee ever if you meet the criteria each year.
🧡 This card has a very decent $300 cashback offer.
🧡 You’ll pay no annual fee ever if you spend $20,000 on your card each year.
🧡 It comes with great extras like overseas and domestic travel insurance.
⨻ This card has a high interest rate on purchases and balance transfers. It doesn’t earn any rewards points, either.
Get $300 back on your account when you spend $1,500 on eligible purchases in the first 3 months from approval. Plus, the annual fee is waived the first year, and each subsequent year if you meet the $20k minimum annual spend (otherwise $87).
Credit cards with reward points earn them in two ways:
When you’re comparing credit cards, think about what you want to use the points for. You might want to get free flights or seat upgrades, redeem points for merchandise or even subscriptions, or get money off your grocery shopping.
Then, look at the annual fee. You’ll need to calculate if the points you’ll earn will outweigh the cost of the annual fee. It’s a balancing act. Rewards cards come in a range of annual fees which makes it easier to find one that suits you. Just know that the higher the annual fee, the greater the perks and points potential.
To make the decision a little easier, here’s how to weigh up the cost of the card against the points value.
1. Work out how much you’re likely to spend on the card each year. You can do that by using a current credit card statement, or estimating the expenses you’ll pay on the card each month.
2. Calculate the value by looking at the reward program’s website to see what you can redeem your points for.
3. Figure out the value of the items or services you could redeem your points for. That will give you an idea of a monetary value of the points.
4. Compare the dollar value to the card’s annual fee.
You can get other features on a rewards card besides earning points. Most are aimed at travelling, but you can find other extras that include discounts, cashback and exclusive event invitations.
Generally, most rewards programs won’t give you points for cash advances, balance transfers, BPAY payments and paying card fees. Some cards will give you points for government payments and others won’t. Check our review and the PDS to see if you can earn on government payments.
Here, we’ve chosen our favourites across several categories to help you find the top pick you’re looking for. Every month we review and update our picks. Here are our winners for April 2024!
Up to 80,000 Bonus Qantas Points
Travel insurance + 2 lounge visits per year
180,000 bonus ANZ
Rewards points
$150 cashback on your account
60,000 Bonus Qantas Points
$450 Qantas Travel Credit every year
$300 cashback and
no annual fee if you
meet criteria
Up to 100,000 Bonus Velocity Points
100 Frequent Flyer Velocity Status Credits
You can see a little more about each credit card below, or click “Go to site” to visit the provider’s page and apply.
A massive points-earner with travel perks that make globetrotting cheaper and more fun.
🧡 You can earn up to 80,000 bonus Qantas Points plus bonus points on overseas spending and certain Qantas products.
🧡 The 50% discount brings the first year’s annual fee to $349.
🧡 As well as great travel extras, it also comes with a surprising 12-month interest-free balance transfer offer.
⨻ Points are uncapped but will drop to 0.5 once you’ve spent more than $10,000 in a statement period.
Earn 60k bonus Qantas Points on eligible purchases within the first 3 months of card approval, and another 20k if you haven’t earned Qantas Points with a credit card in the last 12 months. Offer ends 1 May 2024.
A big points earner with comprehensive travel perks.
🧡 180,000 points is one of the biggest points bonuses we’ve seen.
🧡 You can get $150 cashback in the first year, which helps offset the annual fee.
🧡 It includes rental vehicle excess insurance in Australia, which is an uncommon and very helpful insurance.
⨻ You’ll earn 2 points per $1 up to $5,000 in a statement period. After that, you’ll earn 1 points per $1.
To get the 180,000 bonus ANZ Rewards Points and the $150 back, you need to spend $3,000 on eligible purchases in the first 3 months from approval.
This is a globetrotters friend with extras that make travel cheaper and more fun.
🧡 It comes with $450 Travel Credit per year plus 4 lounge invitations
🧡 Fun extras like complimentary Qantas Wine membership and free shipping
🧡 60,000 bonus points and a huge 1.25 Qantas Points per $1 make this one of the top Qantas-points earning cards.
⨻ The Qantas Club lounge invitations are only available after spending directly with Qantas. And, the interest rate on purchases is very high at 23.99% p.a.
Earn 60,000 bonus Qantas Points when you spend $3,000 within the first 3 months (new Qantas Amex Ultimate cardholders only)
A top-class rewards card with big Velocity Points, travel extras and status credits up for grabs. A good card for frequent travellers.
🧡 Up to 100,000 points is one of the biggest Velocity Points bonuses we’ve seen. It could cover a number of return flights around the world.
🧡 Comes with platinum travel perks including free domestic flights and lounge passes.
🧡 You’ll receive 100 Velocity Frequent Flyer Status Credits, which is a rare extra.
⨻ This is a higher-tier card with an annual fee to match, at $375 per year. It also has a high interest rate on purchases, so you’ll want to be paying it off each month to get the most value.
To earn the bonus points you must spend $3,000 on eligible purchases in the first 3 months. 100 Velocity Status Credits are earned when you spend at least $50,000 on your card on eligible purchases in the first year.
Make money by earning up to $300 back and pay no annual fee ever if you meet the criteria each year.
🧡 This card has a very decent $300 cashback offer.
🧡 You’ll pay no annual fee ever if you spend $20,000 on your card each year.
🧡 It comes with great extras like overseas and domestic travel insurance.
⨻ This card has a high interest rate on purchases and balance transfers. It doesn’t earn any rewards points, either.
Get $300 back on your account when you spend $1,500 on eligible purchases in the first 3 months from approval. Plus, the annual fee is waived the first year, and each subsequent year if you meet the $20k minimum annual spend (otherwise $87).
Credit cards with reward points earn them in two ways:
When you’re comparing credit cards, think about what you want to use the points for. You might want to get free flights or seat upgrades, redeem points for merchandise or even subscriptions, or get money off your grocery shopping.
Then, look at the annual fee. You’ll need to calculate if the points you’ll earn will outweigh the cost of the annual fee. It’s a balancing act. Rewards cards come in a range of annual fees which makes it easier to find one that suits you. Just know that the higher the annual fee, the greater the perks and points potential.
To make the decision a little easier, here’s how to weigh up the cost of the card against the points value.
1. Work out how much you’re likely to spend on the card each year. You can do that by using a current credit card statement, or estimating the expenses you’ll pay on the card each month.
2. Calculate the value by looking at the reward program’s website to see what you can redeem your points for.
3. Figure out the value of the items or services you could redeem your points for. That will give you an idea of a monetary value of the points.
4. Compare the dollar value to the card’s annual fee.
You can get other features on a rewards card besides earning points. Most are aimed at travelling, but you can find other extras that include discounts, cashback and exclusive event invitations.
Generally, most rewards programs won’t give you points for cash advances, balance transfers, BPAY payments and paying card fees. Some cards will give you points for government payments and others won’t. Check our review and the PDS to see if you can earn on government payments.
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger.
Something you need to know about this card? Ask our credit card expert a question.
Ask a questionHi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.