Best Rewards Credit Cards

Rewards credit cards turn your everyday spending into points, miles, or perks. The key is finding a card where the rewards value exceeds the annual fee — and that depends on how much you spend and what you value.

1

Awards Credit Card

CommBank · Mastercard

$99/yr20.74% p.a.55 interest-free days

🎁 30,000 bonus Awards points

frequent spenderspoints collectors

2

Rewards Platinum

ANZ · Visa

$149/yr20.24% p.a.44 interest-free days

🎁 65,000 bonus ANZ Reward Points

frequent spenderspoints collectors

3

Altitude Platinum

Westpac · Visa

$150/yr20.49% p.a.55 interest-free days

🎁 60,000 bonus Altitude Points

frequent spenderspoints collectors

4

NAB Rewards Signature

NAB · Visa

$195/yr20.49% p.a.44 interest-free days

🎁 80,000 bonus NAB Points

frequent spenderspoints collectors

5

Citi Rewards Card

Citi · Mastercard

$149/yr20.74% p.a.44 interest-free days

🎁 50,000 bonus points

frequent spenderspoints collectors

6

Qantas Premier Platinum

Qantas Money · Mastercard

$299/yr19.99% p.a.55 interest-free days

🎁 60,000 bonus Qantas Points

frequent spenderspoints collectors

7

Rewards Travel Adventures

ANZ · Visa

$225/yr20.24% p.a.44 interest-free days

🎁 75,000 bonus Qantas Points

frequent spenderspoints collectors

8

Awards Credit Card

CommBank · Visa

$99/yr20.74% p.a.55 interest-free days

🎁 80,000 bonus Awards points

rewardsfrequent shoppers

9

Platinum Credit Card

HSBC · Visa

$149/yr19.99% p.a.55 interest-free days

🎁 100,000 bonus HSBC Reward Plus points

rewardstravel

10

More World Mastercard

Bankwest · Mastercard

$160/yr19.99% p.a.No FX fees55 interest-free days

🎁 60,000 bonus Bankwest Points

rewardstravelno FX fees

11

Platinum Rewards

Suncorp · Visa

$159/yr19.49% p.a.55 interest-free days

🎁 40,000 bonus points

rewards

12

Bank of China (Australia) · Visa

$180/yr19.99% p.a.No FX fees55 interest-free days

newcomersChina connectionno FX fees

13

Platinum Credit Card

ICBC (Australia) · Visa

$150/yr19.49% p.a.No FX fees55 interest-free days

newcomersChina connectionno FX fees

14

No Annual Fee Mastercard

Coles · Mastercard

$0/yr19.99% p.a.55 interest-free days

🎁 20,000 bonus flybuys points

Coles shopperflybuysno fees

15

Rewards Platinum Mastercard

Coles · Mastercard

$99/yr19.99% p.a.55 interest-free days

🎁 40,000 bonus flybuys points

Coles shopperflybuysrewards

16

Everyday Platinum Mastercard

Woolworths · Mastercard

$0/yr13.99% p.a.55 interest-free days

🎁 20,000 bonus Everyday Rewards points

Woolworths shopperlow rateno fees

17

David Jones American Express Card

American Express · Amex

$99/yr20.74% p.a.55 interest-free days

🎁 15,000 bonus David Jones points

David Jones shopperretail rewards

18

BusinessMax Platinum

Westpac · Visa

$150/yr19.99% p.a.55 interest-free days

🎁 50,000 Altitude points

businessrewards

19

Bank of Queensland · Visa

$150/yr19.99% p.a.55 interest-free days

🎁 20,000 bonus points

rewards

20

Amplify Platinum

St.George · Visa

$99/yr20.74% p.a.55 interest-free days

🎁 30,000 bonus points

rewardstravel

21

Everyday Platinum

Woolworths · Mastercard

$99/yr19.99% p.a.55 interest-free days

🎁 20,000 Everyday Rewards points

woolworths shopperseveryday rewards

22

Rewards Classic

Citi · Visa

$49/yr20.74% p.a.55 interest-free days

🎁 30,000 Citi Points

rewardsentry level

23

Dual Currency Platinum

Bank of China (Australia) · Visa

$120/yr19.99% p.a.No FX fees55 interest-free days

🎁 Dual AUD/CNY billing

chinese expatsdual currencychina travel

24

Dual Currency Gold

ICBC (Australia) · Visa

$80/yr19.99% p.a.No FX fees55 interest-free days

🎁 AUD/CNY dual currency

chinese expatsdual currency

25

Great Southern Bank · Visa

$99/yr19.99% p.a.55 interest-free days

platinum benefits

💡 Tips for Choosing a Rewards Credit Cards

1.Calculate your annual spend × earn rate to estimate yearly points, then compare against the annual fee
2.Check if points expire and what the redemption options are (flights, gift cards, statement credit)
3.Some cards offer bonus points in categories like groceries or fuel
4.High income requirements ($75K+) are common for premium rewards cards

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Information is general in nature and does not constitute financial advice. Product details may change — always verify with the provider. Last updated March 2026.