BankCard / Account NameCard / Account TypesRewards ProgramAnnual FeeAnnual Fee GroupingQantas Points / $
Amex
Qantas Points / $
Visa/MC
Velocity Points / $
Amex
Velocity Points / $
Visa/MC
KrisFlyer Miles / $
Amex
KrisFlyer Miles / $
Visa/MC
Asia Miles / $
Amex
Asia Miles / $
Visa/MC
Flybuys / $
Visa/MC
Overseas earn rate
(x standard earn)
TravelDiningSupermarketsPetrol StationsGovt. / ATO
(x standard earn)
OtherBenefitUtilities / TelecomsPoints CapPoints earned
after cap
Overseas Transaction FeesAir NZ AirpointsAlaska Airlines Mileage PlanAmerican Airlines AAdvantageDelta SkymilesEmirates SkywardsEtihad GuestEVA Laurel AirGarudaKLM / AF Flying BlueMalaysia Airlines EnrichQatarThai Royal Orchid PlusVirgin Atlantic Club CarlsonStarwood Preferred GuestHilton HHonors
American ExpressPlatinum ChargeAmerican Express ChargeMembership Rewards$1,200Premium1-1-1-1-2x2x3x0.5xVirgin Australia, Amex & Priority Pass lounge access 0.5 points per $300,000 pa1 per $ on all spend3%0.010.7511110.5
American ExpressPlatinum EdgeAmerican Express CreditMembership Rewards$195Medium1-1-1-3x2x0.5xFree domestic Virgin Australia return flight0.5 points per $3%0.010.7511110.5
American ExpressPlatinum BusinessAmerican Express ChargeMembership Rewards$1,500Premium1-1-1-1-2x2x2x0.5x2x business expensesVirgin Australia, Amex & Priority Pass lounge access 0.5 points per $375,000 pa1 per $ on all spend3%0.010.7511110.5
American ExpressGold BusinessAmerican Express ChargeMembership Rewards$249Medium1-1-1-0.5x0.5 points per $3%0.010.7511110.5
American ExpressBusiness ChargeAmerican Express ChargeMembership Rewards$189Medium1-1-1-0.5x0.5 points per $3%0.010.7511110.5
American ExpressBusiness AcceleratorAmerican Express ChargeMembership Rewards$160Medium2-2-2-0.25x0.5 points per $100,000 pa1 per $ on all spend3%0.021.5222212
American ExpressQantas UltimateAmerican Express CreditQantas Frequent Flyer$450High1.50.5x+1 point with QantasFree domestic Qantas return flight1.5 points per $3%
American ExpressQantas PremiumAmerican Express CreditQantas Frequent Flyer$249Medium1.250.5x+1 point with Qantas1.5 points per $3%
American ExpressQantas DiscoveryAmerican Express CreditQantas Frequent Flyer$0Low10.5x+1 point with Qantas1.5 points per $3%
American ExpressQantas BusinessAmerican Express ChargeQantas Frequent Flyer$160Medium10.5x2x with Qantas0.5 points per $3%
American ExpressVelocity PlatinumAmerican Express CreditVelocity Frequent Flyer$349High12x2x3x0.5x3x with VirginVirgin Australia return flight, 2 x Virgin Lounge Passes0.5 points per $3%
American ExpressVelocity EscapeAmerican Express CreditVelocity Frequent Flyer$0Low11x2x with Virgin3%
American ExpressVelocity BusinessAmerican Express ChargeVelocity Frequent Flyer$249Medium10.5x2x with Virgin0.5 points per $3%
American ExpressDavid JonesAmerican Express CreditDavid Jones Membership Rewards$99Low0.750.5-0.5-0.5-3x3x1x2x with David Jones3%0.0050.50.50.50.51
American ExpressDavid Jones PlatinumAmerican Express CreditDavid Jones Membership Rewards$295Medium0.750.5-0.5-0.5-3x3x1x4x with David Jones3%0.0050.50.50.50.51
American ExpressEssentialAmerican Express CreditMembership Rewards Gateway$0Low--0.75-0.75-0.75-None0.5 points per $3%0.00750.750.750.750.750.3750.75
American ExpressExplorerAmerican Express CreditMembership Rewards Gateway$395High--1.5-1.5-1.5-0.25x$400 Travel Credit2 points per $3%0.0151.51.51.51.512
ANZANZ RewardsVisaANZ Rewards$80Low0.50.330.33n/k1000 pcm (see guide)0.5 per $ spend3%
ANZANZ Rewards PlatinumVisaANZ Rewards$95Low0.750.50.5n/k3,000 pcm (see guide)0.5 per $ spend3%
ANZANZ Rewards BlackVisaANZ Rewards$375High10.660.66n/kVelocé lounge access10,000 pcm (see guide)1 per $ spend3%
ANZANZ QantasVisaQantas Frequent Flyer$95Low0.5n/k250 pcm (see guide)0.25 per $ spend3%
ANZANZ Qantas PlatinumVisaQantas Frequent Flyer$295Medium0.75n/k2,250 pcm (see guide)0.5 per $ spend3%
ANZANZ Qantas BlackVisaQantas Frequent Flyer$425High1n/kDiscounted Qantas Club + 2 Qantas Club Passes7,500 pcm (see guide)0.5 per $ spend3%
ANZANZ Rewards Travel Adventures CardVisaANZ Rewards$225Medium0.750.50.5n/kVirgin Australia return flight, 2 x Virgin Lounge Passes3,000 pcm (see guide)0.5 per $ pent0%
ANZANZ Business BlackVisaANZ Business Rewards$450High0.50.4440.330.333x0.5x2.5%
Bank AustraliaQantas Platinum Rewards Visa VisaQantas Frequent Flyer$189Medium1n/k2x with Qantasunlimited2%
Bank of MelbourneAmplifyVisaAmplify Rewards or Qantas FF$79Low0.50.50.5n/k3%0.5
Bank of MelbourneAmplify PlatinumVisa PlatinumAmplify Rewards or Qantas FF$99Low0.50.50.52xn/k3%
Bank of MelbourneAmplify Signature VisaVisa SignatureAmplify Rewards or Qantas FF$279Medium0.750.750.752x1x10% 'birthday bonus' pa2 x Qantas Club or Priority Passes3%
BankSAAmplifyVisaAmplify Rewards or Qantas FF$79Low0.50.50.5n/k3%0.5
BankSAAmplify PlatinumVisa PlatinumAmplify Rewards or Qantas FF$99Low0.50.50.52xn/k3%
BankSAAmplify Signature VisaVisa SignatureAmplify Rewards or Qantas FF$279Medium0.750.750.752x1x10% 'birthday bonus' pa2 x Qantas Club or Priority Passes3%
BankwestBankwest QantasMasterCardQantas Frequent Flyer$100Medium0.51x2.95%
BankwestBankwest Qantas PlatinumMasterCardQantas Frequent Flyer$160Medium0.5No fees1x0%
BankwestBankwest Qantas World BlackWorld MasterCardQantas Frequent Flyer$220Medium0.66No fees1x0%
BoQ SpecialistPlatinumVisa PlatinumVelocity or Qantas Frequent Flyer$150Medium0.50.52xn/k2x Qantas or Virgin Australia3.40%
BoQ SpecialistSignatureVisa SignatureVelocity or Qantas Frequent Flyer$400High112xn/k2x Qantas or Virgin AustraliaPriority Pass3.40%
CardServicesPlatinum MastercardMasterCardCard Services Rewards$00.6250.625None3.40%0.417
CitiPrestige VisaVisa InfiniteCiti Rewards or Citi Qantas Rewards (+$49)$700Premium11112.5x for Citi RewardsNonePriority Pass unlimited + 1 Guestunlimited3.40%10.810.666111122
CitiSignature VisaVisa SignatureCiti Rewards or Citi Qantas Rewards (+$49)$395High0.750.75No capNonePriority Pass 2 x free pa30,000 Citi Rewards pcm domestic spend
(=15,000 VFF/KF)
none3.40%0.6
CitiSignature VisaVisa Qantas SignatureCiti Qantas Rewards$444High1No capNonePriority Pass 2 x free pa3,000 pcm domestic spend0.5 points per $3.40%
CitiRewards Platinum VisaVisaCiti Rewards$199Medium0.6250.625No capNone12,500 Citi Rewards pcm ($10k) domestic spend
(=6,600 VFF/KF)
none3.40%
CitiEmirates World MasterCardWorld MasterCardEmirates Skywards$299Medium1.25xNone1.5x with Emirates1 x Emirates lounge voucher inc. guest, 2x airport xfers$3,000 spend per statement period on domestic spend0.5 Skywards miles per $ after $3,000 spent each statement period. up to $10,0003.40%1
Coles Financial ServicesRewards MastercardMastercardFlybuys$89Low2None0%0.8
Coles Financial ServicesNo Annual FeeMastercardFlybuys$0Low0.5None2.5%0.2
Coles Financial ServicesLow Rate MastercardMastercardFlybuys$49Low0.5 (at Coles Supermarkets only)None2.5%0.2
Commonwealth BankDiamond AwardsDual Amex / World MasterCardCommonwealth Bank Awards or Qantas FF$349High1.20.51.50.625None1,000,000 panoneVisa/MasterCard - 3.00%
American Express - 3.5%
Commonwealth BankPlatinum AwardsDual Amex / Platinum MasterCardCommonwealth Bank Awards or Qantas FF$249Medium10.41.250.5NoneVisa/MasterCard - 3.00%
American Express - 3.5%
Commonwealth BankGold AwardsDual Amex / MasterCardCommonwealth Bank Awards or Qantas FF$119Medium0.80.40.80.4NoneVisa/MasterCard - 3.00%
American Express - 3.5%
Commonwealth BankAwardsDual Amex / MasterCardCommonwealth Bank Awards or Qantas FF$59Low0.60.40.60.4NoneVisa/MasterCard - 3.00%
American Express - 3.5%
Commonwealth BankBusiness Awards PlatinumDual Amex / MasterCardCommonwealth Bank Awards$300High1.20.51.50.51x
Diners ClubDiners Club CardDiners ClubDiners Club Rewards$212Medium0.6670.5n/k3%0.50.5
Diners ClubDiners Club Card + World MasterCardDual Diners Club / World MastercardDiners Club Rewards$389High20.8831.50.625n/k3.40%1.5 (0.625)1.5 (0.625)
Diners ClubDiners Club Frequent FlyerDiners ClubQantas Frequent Flyer$150Medium1n/k3%
Diners ClubDiners Club Frequent Flyer +
World MasterCard
Dual Diners Club / World MastercardQantas Frequent Flyer$260Medium1.51n/kExtra 1 point per $ w/ Qantas1.5 Diners, 1 MasterCard / $
up to $60k
1.25 Diners, 0.75 MasterCard / $
over $60k
3.40%
G&C Mutual BankQantas Platinum VisaVisaQantas Frequent Flyer$249Medium1n/k2x with Qantas2.85%
HSBCPlatinum Qantas VisaVisa PlatinumQantas Frequent Flyer$199Medium11x2x with Qantas2,500 per month0.5 points per $3%
JetstarMasterCardMasterCardJetstar Dollars or Qantas FF (+$30)$59Low0.5NoneOR $1 credit w/Jetstar per $10025,000 per yearnone3%
JetstarPlatinum MasterCardMasterCardJetstar Dollars or Qantas FF$149Medium1NoneOR $2 credit w/Jetstar per $100100,000 per yearnone3%
MacquarieVisa PlatinumVisaMacquarie Rewards or Qantas FF$200Medium1None2x with Qantas3%
MacquarieVisa BlackVisaMacquarie Rewards or Qantas FF$299High1None2x with Qantas3%
MacquarieHilton HHonors Platinum CardVisa PlatinumHilton HHonors$249MediumNone4x with HiltonHHonors Gold Status3%1
NABQantas RewardsDual Amex / VisaQantas Frequent Flyer$95Low10.5NoneExtra 1 point per $ w/ Qantas20,000 per month3%
NABQantas Rewards PremiumDual Amex / VisaQantas Frequent Flyer$250Medium1.50.5NoneExtra 1 point per $ w/ Qantas$25,000 per month3%
NABVelocityVisaVelocity Frequent Flyer$95Low10.5None20,000 per month3%
NABVelocity PremiumVisaVelocity Frequent Flyer$150Medium1.50.5None20,000 per month3%
NABFlybuys Rewards CardVisa PlatinumFlybuys$95Low1None20,000 per statement period3%0.4
NABRewards ClassicVisaNAB Rewards$95Low0.3750.253xNone2x points in major department and hardware store3%0.00375
NABRewards PlatinumVisaNAB Rewards$195Medium0.50.333xNone2x points in major department and hardware store3%0.005
NABRewards Business PlatinumVisa PlatinumNAB Rewards$175Medium0.50.333xNone2x points in major department and hardware store3%0.005
NABQantas Business SignatureVisa SignatureQantas Frequent Flyer$295High0.80None3%
Qudos BankVisa PlatinumVisa PlatinumQantas Frequent Flyer$249Medium1None2x with Qantas3.65%
St GeorgeAmplifyVisaAmplify Rewards or Qantas FF$79Low0.50.50.5n/k3%0.5
St GeorgeAmplify PlatinumVisa PlatinumAmplify Rewards or Qantas FF$99Low0.50.50.52xn/k3%
St GeorgeAmplify Signature VisaVisa SignatureAmplify Rewards or Qantas FF$279Medium0.750.750.752x1x10% 'birthday bonus' pa2 x Qantas Club or Priority Passes3%
Suncorp BankPlatinum VisaVisaSuncorp Bank Rewards or Qantas FF (+$49)$169Medium0.50.50.5n/k3.40%
Suncorp BankBusiness VisaVisaSuncorp Bank Rewards or Qantas FF$45Low0.50.40.4n/k80,000 per card per year3.40%
Virgin MoneyFlyer VisaVisaVelocity Frequent Flyer$129Medium0.66None1 x with Virgin Australia @ April 1stDiscounted Virgin flight benefit1,500 per month0.5 points per $3.30%
Virgin MoneyHigh Flyer VisaVisa SignatureVelocity Frequent Flyer$289Medium1None3 x with Virgin Australia @ April 1stDiscounted Virgin flight benefit10,000 per month0.5 points per $3.30%
WestpacAltitude BlackDual Amex / World MasterCardAltitude Rewards or Altitude Qantas$395High1.50.6251.50.6251.20.51.20.52.4x MasterCard0.5x on Amex only2 x Qantas w/ Altitude Qantas2 x Qantas Club or Priority PassesVisa/MasterCard: 3.0%
American Express: 3.5%
0.00938 (0.00468)1.5 (0.625)
WestpacAltitude PlatinumDual Amex / MasterCardAltitude Rewards or Altitude Qantas$150Medium10.510.50.80.40.80.4n/k2 x Qantas w/ Altitude Qantas3,750 Qantas / equivalent pcmnoneVisa/MasterCard: 3.0%
American Express: 3.5%
0.00625 (0.00318)1 (0.5)
WestpacAltitudeDual Amex / MasterCardAltitude Rewards or Altitude Qantas$100Medium10.510.510.40.80.4n/k2,500 Qantas / equivalent pcmnoneVisa/MasterCard: 3.0%
American Express: 3.5%
0.00625 (0.00318)1 (0.5)
WestpacAltitude Business PlatinumDual Amex / VisaAltitude Rewards$295Medium1.50.51.50.51.50.41.20.42x Visa only0.25xuncappedVisa/MasterCard: 3.0%
American Express: 3.5%
0.00938 (0.00468)1.5 (0.625)
WestpacAltitude Business GoldDual Amex / VisaAltitude Rewards$150Medium10.510.510.40.80.4n/kVisa/MasterCard: 3.0%
American Express: 3.5%
0.00625 (0.00318)1 (0.5)
WestpacBusinessChoice Rewards VisaVisaQantas Frequent Flyer$150Medium0.67n/k3%
Woolworths MoneyQantas Platinum CardVisa PlatinumQantas Frequent Flyer$169Medium1None2x with Qantas2,500 Qantas pcm0.5 / $3%

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