Credit Card Bonus Point Special Offers

Updated 18 October 2020

Boost your points earning with these amazing bonus points introductory offers. Where could your bonus points take you? On this page, you will find a range of rewards cards we have compiled that all offer bonus points introductory offers. Like any intro offer, bonus points offers are designed to entice new cardholders by adding value to the card. As the number of points offered varies from card to card, it’s important to compare the options to find the best one for you.

Using our super simple visual comparison, you can find out more about each offer at a glance, checking out essential info on each card’s earn rate, annual fee, and of course, that offer. From there, you can compare all the offers to find out what you need to know.

Bonus points offers can provide great value, and in some cases can offer more back in rewards value than the annual fee for the first year. Combine a good chunk of bonus points with a reduced annual fee, and you could enjoy some serious value. To find out what kind of value you can expect from those points, check out the rewards program to see where you could go or what you could buy.

With this type of offer, it is important to be aware of requirements such as a minimum spend. Few cards provide bonus points on sign-up these days, and most require a minimum spend either within a certain time period, or over a number of months. However, as long as that spend is normal for you – and easy to repay – then the offer could provide fantastic value.

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Bonus points deliver real rewards, fast

Think about how long it would take you to earn 100,000 points. For most cardholders, that kind of points earning would take years. But, with a bonus points offer, you could have that huge chunk of points delivered to your account within months of card approval. The only question now is, where will your points take you?

Your Guide to Bonus Points Credit Cards

Looking to boost your points balance? A bonus points credit card could be just what you’re looking for. Quite simply, a bonus points credit card is a rewards card with a bonus points introductory offer. Offering a chunk of bonus points to cardholders who meet the card’s minimum spend requirements, this type of offer is a kind of sign-up bonus designed to entice new cardholders.

Why choose a bonus points credit card?

Wondering whether a bonus points offer is right for you? Here are some reasons why you may decide to apply for a credit card with a bonus points offer.

You’re planning a trip. With the right bonus points offer, you could really go places. You could redeem your points for flights, upgrades, or accommodation, making your trip more affordable, or a bit more special.

You have a purchase in mind. While flight rewards tend to offer more value, there are other ways to redeem your points. If you have something big you want to buy, bonus points could get you there faster.

You want to boost your balance. Even if there isn’t a reward that you want right now, you can stash your points away until you find the perfect fit. Just be aware that some programs have expiry dates on their points, so you may not want to hold on to them too long.

You need a new card. If you’ve decided a rewards card is right for you, why not take advantage of some bonus points on the side. As long as you can afford to spend and repay the minimum spend requirement, your bonus points are exactly that – a bonus.

How do you choose the best bonus points offer?

When comparing the options, you will notice different cards offer different bonus points amounts. Choosing the best bonus points offer should be easy. You just choose the one offering the most bonus points, right? While this should be the case, there are other factors to take into consideration.

Annual Fee: You will usually find cards with higher annual fees offer bigger bonus points. Before you apply, think about whether that annual fee is affordable. Also take into account how much value the card will offer as you pay out that annual fee year after year, with no points bonus on offer.

Type of Card: Rewards cards are separated by tiers, designed to suit different levels of spending. Classic cards typically offer the lowest earn rate in return for the lowest annual fee, platinum cards offer a higher earn rate for a higher annual fee, and black cards offer the highest earn rate for the highest annual fee. Bonus points are tiered accordingly. While you may want the card with the most bonus points, it may not suit your spending style – and you may not meet the income requirement either.

Minimum Spend: To be eligible for a bonus points offer, you will usually need to spend a certain amount on your card within a certain period of time. To make the offer work for you, make sure you can afford that minimum spend amount, and that you can pay it all off before it starts accruing interest.

Card providers are always looking to attract new customers. One of the easiest ways for them to do this is with an introductory offer. By offering a chunk of bonus points as a kind of sign-up bonus, card providers can entice new customers to apply.

But of course, that doesn’t mean there isn’t something in it for you as well. While your card provider gets you as a customer, you get your hands on a large number of rewards points that may otherwise have taken years to accumulate.

Back in the day, card providers used to hand out bonus points with no minimum spend required. Today, you need to work a little harder to get that boost to your points balance. Most bonus points credit cards have a minimum spend requirement, which stipulates how much you need to spend on your card to be eligible for the points bonus. Here’s how it usually works.

You’ve signed up for a credit card offering 100,000 bonus points. Before your card provider credits you with those points, you must spend at least $4,000 on your card within the first 90 days from card approval.

Alternatively, your card provider may require you to spend a certain amount each month over a specified period. Each month you meet the minimum spend, you will be credited with bonus points for that month.

With this type of offer, you may earn 25,000 bonus points per month for the first four months from card approval. To get those points, you have to spend $1,000 on your card each month. If you hit your spend target every month, you will be credited with 100,000 bonus points. If you only reach your target two months, you will be credited with 50,000 bonus points.

How quickly you get your bonus points depends on two important factors. First, you have to meet your minimum spend requirement. If you do that in the first week, you will get your bonus points a lot faster than if you take three months to meet the minimum spend. Secondly, your card provider will have guidelines regarding how long it takes for points to be credited to your account. In some cases, it might take 2-4 weeks and in others, it could take as long as 8-10 weeks.

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53 questions (showing the latest 10 Q&As)

Nobi

Nobi

18 October 2020
Hi Roland, I am new to credit cards and looking for one to take soon. Could you suggest one for me. Can spend $7000 around for first 3 months then normal shopping and and pay off bills for a small family. Thanks .
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 October 2020
    Hi Nobi, its going to depend on what type of rewards you are after. I have taken the 7k in 3 months then used that as a guide for annual spend - making it $28,000. What kind of income do you have? This will allow me to point you in the right direction. Bottom line, its nice to get a big sign up bonus for points. So based on your income and then other factors. I am thinking of a good rewards card. This card itself may not represent value for the 2nd year. So may be worth cancelling before the 2nd year annual fee is charged. Some options I generally like are ANZ Frequent Flyer Black, new improved offer just launched today. St.George Amplify Signature, check out the features and see if they make sense. Citi e-voucher offer is interesting. Westpac Altitude Black has some good bonus points with higher income requirements like the ANZ Frequent Flyer Black.
Kush

Kush

6 July 2020
Roland, I have 300,000+ velocity points balance with Westpac. Is it worth cashing in? Using points on flights is a while away!!
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 July 2020
    Hi Kush, its tough. I have around 200k and am just holding onto them for now. Though just focused on earning Qantas points at this time. If you can hold on, do it. Non flight redemption is worth much less.
Will

Will

21 February 2020
Roland, I have an ING platinum credit card with near to no rewards. I am having a baby in the coming months and will be spending higher than usual amount to purchase baby things. So i want a card that will reward me the most in Qantas FF points and other rewards. preferably a good sign up bonus of FF points. One of those spend X amount in the first 3 months and receive x amount of FF points thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 February 2020
    Hi Will, bonus points offers really get the rewards flowing. I hear you on the ING cash back limited to $30 a month. With the annual fee, it doesn't deliver much even as a maximum. Have a look at the ANZ Frequent Flyer Black. With the cash back, the annual fee is $150 for the first year. The bonus points are great plus you get 1 Qantas point per $1 earn rate. Best of luck with the baby. I have 3 boys. Its a new world out there with kids.
Warren windle

Warren windle

8 February 2019
Credit card with travel insurance for 80 year old Plus Qantas points
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 February 2019
    Hi Warren, all the complimentary overseas travel insurance that I am familiar with has a cut off at 80. It's entirely possible to find cover if you're aged over 80, so make sure to shop around for a policy that suits your needs. In regards to bonus point options plus points earning, have a look at the St George Amplify Qantas Signature. Check out our bonus points credit card section for more offers.
Gagan

Gagan

3 February 2019
What can I buy from points and how can I use points
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 February 2019
    Hi Gagan, what you can buy / use your points on will depend on the rewards program itself. Qantas points are best used for redeeming flights. What type of rewards are you after? Have a look at the different programs and see what would be best for you.
Andro

Andro

31 January 2019
Hi Roland, Do the 0% for 24mths transfer cards have a maximum transfer amount allowed.? I currently have $38.5k on a NAB Visa Qantas Card I am wanting to transfer. Thx
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 January 2019
    Hi Andro, all cards have a maximum credit limit. Then typically you are allowed to transfer up to a certain percentage of the credit limit e.g. 80-95%. A 38.5k transfer is quite large. I think the Citi Rewards Platinum balance transfer offer could work. With credit limits up to 100k, this could approved at the required limit you would need. You can transfer up to 80% of your approved limit. Therefore you would need to request (and get) around 50k for your new Citi credit limit. Though you may not be approved for the whole amount you request.
Hanna

Hanna

26 January 2019
What is the best credicard option to get Quantas points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 January 2019
    Hi Hanna, it depends on how much you will spend a month. For lower spenders I like the HSBC Platinum Qantas. No annual fee first year. Great earn rate of 1 Qantas point per $1 up to $2,500 spend a statement period. I have the AMEX Qantas Ultimate for its 1.5 (moving to 1.25) points spend, uncapped. Typically a combination of both a Visa/Mastercard and AMEX card seem to work best.
Joe

Joe

16 January 2019
Hi. I'm interested in one thing only - Bonus Points Value less the first Annual Fee payable (net of any discount on that first fee). I have just retired an Amex Card and currently have Westpac Altitude and ANZ Platinum cards. I have enough spend to cover any of the current card requirements - eg 7k on the ANZ FF Black Card. What I can't work out is whether there is an easy way to compare the value of points from different providers. Maybe I should be looking at the conversion rate for the closest thing that each provider offers to cash - eg. Prepaid Visa/Mastercards, Large Store (eg Myer) Gift Cards. Do you guys provide any guidance on the value of points from different providers? Can you suggest a card for me - thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 January 2019
    Hi Joe, points values are changing all the time with redemption rates. Therefore this is an ongoing battle to stay on top of. Gift cards are one way but really you need to look at what you typically will redeem for and see the value on that front. Different types of redemption have massive value differences on different programs. As you have just retired your AMEX you will not be eligible for any bonus points with AMEX. Also no eligibility with Westpac or ANZ bonus points. Therefore St George could work e.g. https://www.creditcard.com.au/stgeorge-amplify-signature-qantas. Also any Citi rewards cards, you would be eligible for the bonus points.
Vesna mrhar

Vesna mrhar

16 January 2019
Hi...im interested in only collecting bonus points for travel as in frequent flyer points!. However i dont want to be locked in the Qantas/virgin frequent flyer card & their partners! What cards can you recommend that offer flexibility with other partner airlines? Thanking you in advance
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 January 2019
    Hi Vesna, it depends on the amount you spend and what type of card you can use. Greatest flexibility with rewards comes from the AMEX Platinum. A very high end rewards charge card that needs to be paid off in full each period. You can transfer points to 10 different airlines when you are looking to book flights, and you get price guarantee on Business and First class airfares worldwide. With most cards you need to decide whether you want to earn Qantas points. Citi Prestige is another high end card with flexibility in where your points go. If you can let me know your monthly spend. Then I can more target my suggestions.
Sandra

Sandra

15 January 2019
I need the best credit card to earn QF FF points the cost needs to be under $100.00. I do not use the transfer, cash out or other facilities. I want to get a statement each month and I want to be able to pay cash for monthly statement either at a bank or a P.O.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 January 2019
    Hi Sandra, with no annual fee the AMEX Qantas Discovery has great uncapped points earning. For a Visa, have a look at the ANZ Frequent Flyer credit card with 25,000 bonus Qantas points. Even though you are after a card under $100 annual fee. You should look at how much you will spend a month. It may be worth paying a bit more in annual fee. If it was going to deliver you much more points than the extra annual fee was cost.
Tankengine

Tankengine

4 January 2019
can a credit card with frequent flyer be used to pay weekly morgage repayments
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 January 2019
    Hi Tank engine, it would depend on the loan provider and whether they would accept payments by credit card or not. If yes then you would need to check if they charged any fee for doing so. Most lenders auto debit from bank accounts. Bottom line, if they accept credit card then the payment (if not a cash advance) should earn reward points.
scott

scott

19 December 2018
.. lots of options... what is the best for points accrual, I'm spending well over $1000/m, relatively new to Australia, never 'paid' for a credit card in my life!! Looks like I'll have to pay for the privilege to spend !! Why only in Australia?
Jack

Jack

26 November 2018
The Virgin Money Signature Visa is the best deal
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