BankCard / Account NameCard / Account TypesRewards ProgramAnnual FeeChanges in 2018Qantas Points / $
Amex
Qantas Points / $
Visa/MC/Diners
Velocity Points / $
Amex
Velocity Points / $
Visa/MC/Diners
KrisFlyer Miles / $
Amex
KrisFlyer Miles / $
Visa/MC/Diners
Asia Miles / $
Amex
Asia Miles / $
Visa/MC/Diners
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 AtlanticRadisson RewardsMarriot Rewards
(formerly SPG)
Hilton Honors
American ExpressPlatinum ChargeAmerican Express ChargeMembership Rewards$1450Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
1-1-1-1-2x2x3x0.5x$450 Travel Credit,
Virgin Australia, Amex & Priority Pass lounge access
0.5 points per $300,000 pa on
bonus point earn rate
1 per $ on all spend3%0.010.7511110.66
American ExpressPlatinum EdgeAmerican Express CreditMembership Rewards$195Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
1-1-1-3x2x0.5xFree domestic Virgin Australia return flight0.5 points per $3%0.010.7511110.66
American ExpressPlatinum BusinessAmerican Express ChargeMembership Rewards$1,750Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
1-1-1-1-2x2x2x0.5x2x business expenses$450 Travel Credit,
Virgin Australia, Amex & Priority Pass lounge access
0.5 points per $375,000 pa on
bonus point earn rate
1 per $ on all spend3%0.010.7511110.66
American ExpressGold BusinessAmerican Express ChargeMembership Rewards$249Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
1-1-1-0.5x0.5 points per $3%0.010.7511110.66
American ExpressBusiness ChargeAmerican Express ChargeMembership Rewards$189Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
1-1-1-0.5x0.5 points per $3%0.010.7511110.66
American ExpressBusiness AcceleratorAmerican Express ChargeMembership Rewards$160Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
2-2-2-0.25x0.5 points per $100,000 pa1 per $ on all spend3%0.021.522221.322
American ExpressQantas UltimateAmerican Express CreditQantas Frequent Flyer$450Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
1.50.5x+1 point with Qantas$450 Travel Credit,
2 x Qantas lounge passes and
Epiqure Premium Membership
1.5 points per $3%
American ExpressQantas PremiumAmerican Express CreditQantas Frequent Flyer$249Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
1.250.5x+1 point with QantasQantas lounge access and
Epiqure Premium Membership
1.5 points per $3%
American ExpressQantas DiscoveryAmerican Express CreditQantas Frequent Flyer$0Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
10.5x+1 point with Qantas1.5 points per $3%
American ExpressQantas Business RewardsAmerican Express ChargeQantas Frequent Flyer$450Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
1.250.5x+0.75 point with QantasTriple Qantas Points for your business on eligible Qantas flights0.5 points per $3%
American ExpressVelocity PlatinumAmerican Express CreditVelocity Frequent Flyer$375Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
1.50.5x+1 point with Virgin AustraliaVirgin Australia return flight, 2 x Virgin Lounge Passes0.5 points per $3%
American ExpressVelocity EscapeAmerican Express CreditVelocity Frequent Flyer$0Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
10.5x2x with Virgin3%
American ExpressVelocity BusinessAmerican Express ChargeVelocity Frequent Flyer$249Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
10.5x2x with Virgin0.5 points per $3%
American ExpressDavid JonesAmerican Express CreditDavid Jones Membership Rewards$99Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
0.750.5-0.5-0.5-3x3x1x2x with David Jones3%0.0050.50.50.50.661
American ExpressDavid Jones PlatinumAmerican Express CreditDavid Jones Membership Rewards$295Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
0.750.5-0.5-0.5-3x3x1x4x with David Jones3%0.0050.50.50.50.661
American ExpressEssentialAmerican Express CreditMembership Rewards Gateway$0Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
--0.75-0.75-0.75-None0.5 points per $3%0.00750.750.750.750.750.4950.75
American ExpressExplorerAmerican Express CreditMembership Rewards Gateway$395Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
--1.5-1.5-1.5-0.25x$400 Travel Credit2 points per $3%0.0151.51.51.51.51.322
American ExpressBusiness ExplorerAmerican Express CreditMembership Rewards Gateway$395Amex are changing both the
earn rates and transfer rates
of their cards in April 2019.
Read more here
--1.5-1.5-1.5-0.25x50,000 points Business Loyalty Bonus each year2 points per $3%0.0151.51.51.51.51.322
ANZANZ RewardsVisaANZ Rewards$80---0.5-0.33-0.33n/k1000 pcm (see guide)0.5 per $ spend3%
ANZANZ Rewards PlatinumVisaANZ Rewards$95---0.75-0.5-0.5n/k2,000 pcm (see guide)0.5 per $ spend3%
ANZANZ Rewards BlackVisaANZ Rewards$37510.660.66n/kVelocé lounge access5,000 pcm (see guide)1 per $ spend3%
ANZANZ QantasVisaQantas Frequent Flyer$950.5n/k250 pcm (see guide)0.25 per $ spend3%
ANZANZ Qantas PlatinumVisaQantas Frequent Flyer$2950.75n/k2,250 pcm (see guide)0.5 per $ spend3%
ANZANZ Qantas BlackVisaQantas Frequent Flyer$4251n/kDiscounted Qantas Club + 2 Qantas Club Passes7,500 pcm (see guide)0.5 per $ spend3%
ANZANZ Rewards Travel Adventures CardVisaANZ Rewards$2250.750.50.5n/kVirgin Australia return flight, 2 x Virgin Lounge Passes2,000 pcm (see guide)0.5 per $ spend0%
ANZANZ Business BlackVisaANZ Business Rewards$3000.50.4440.330.333x0.5x2.5%
Bank AustraliaQantas Platinum Rewards Visa VisaQantas Frequent Flyer$1890.75n/k+1 point with Qantas20,000 pcm (see guide)2%
Bank of MelbourneAmplifyVisaAmplify Rewards or Qantas FF$790.50.50.5None3%0.5
Bank of MelbourneAmplify PlatinumVisa PlatinumAmplify Rewards or Qantas FF$990.50.50.5None3%
Bank of MelbourneAmplify Signature VisaVisa SignatureAmplify Rewards or Qantas FF$2790.750.750.75None10% 'birthday bonus' pa2 x Qantas Club or Priority Passes3%
BankSAAmplifyVisaAmplify Rewards or Qantas FF$790.50.50.5None3%0.5
BankSAAmplify PlatinumVisa PlatinumAmplify Rewards or Qantas FF$990.50.50.5None3%
BankSAAmplify Signature VisaVisa SignatureAmplify Rewards or Qantas FF$2790.750.750.75None10% 'birthday bonus' pa2 x Qantas Club or Priority Passes3%
BankwestBankwest QantasMasterCardQantas Frequent Flyer$1000.5None50,000 points per yearnone2.95%
BankwestBankwest Qantas PlatinumMasterCardQantas Frequent Flyer$1600.5No feesNone200,000 points per yearnone0%
BankwestBankwest Qantas World BlackWorld MasterCardQantas Frequent Flyer$2700.66No feesNone0%
BoQ SpecialistPlatinumVisa PlatinumVelocity or Qantas Frequent Flyer$1500.50.52xNone+1 point on Qantas or Virgin Australia2.95%
BoQ SpecialistSignatureVisa SignatureVelocity or Qantas Frequent Flyer$400111.5xNone+1 point on Qantas or Virgin AustraliaPriority Pass$10,000 pcm on domestic spend0.5 point per $ on domestic spend2.95%
CardServicesPlatinum MastercardMastercardCard Services Rewards$00.400.40None3.40%0.33
CitiPrestige VisaVisa InfiniteCiti Rewards or Citi Qantas Rewards (+$49)$7000.50.50.40.43x3x on major
hotels & airlines
3x on major
restaurants and chains
2x2xNone2x on major national retailersPriority Pass unlimited + 1 Guestunlimited3.40%0.50.40.330.330.330.330.330.330.5
CitiSignature VisaVisa SignatureCiti Rewards or Citi Qantas Rewards (+$49)$3950.50.42x2x on major
hotels & airlines
2x on major
restaurants and chains
1.5x1.5xNone1.5x on major national retailersPriority Pass 2 x free pa3.40%0.4
CitiSignature VisaVisa Qantas SignatureCiti Qantas Rewards$4440.52x2x on major
hotels & airlines
2x on major
restaurants and chains
1.5x1.5xNone1.5x on major national retailersPriority Pass 2 x free paup to $20,000 pcm on regular spend (see guide)3.40%
CitiRewards Platinum VisaVisaCiti Rewards$1490.40.33same - uncappedNone10,000 Citi Rewards pcm ($10k) domestic spend
(=4,000 VFF/3,333 KF)
none3.40%
CitiEmirates World MasterCardWorld MastercardEmirates Skywards$2991.25xNone1.5x 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$990.872None0%0.8
Coles Financial ServicesNo Annual FeeMastercardFlybuys$00.5None1.5%0.2
Coles Financial ServicesLow Rate MastercardMastercardFlybuys$580.5 (at Coles Supermarkets only)None1.5%0.2
Commonwealth BankDiamond AwardsDual Amex / World MasterCardCommonwealth Bank Awards or Qantas FF$3490.20.50.250.6256x on the Amex6x on the Amex6x on the AmexNone6x on the Amex at dept. stores1,000,000 panoneVisa/MasterCard - 3.00%
American Express - 0%
Commonwealth BankPlatinum AwardsDual Amex / Platinum MasterCardCommonwealth Bank Awards or Qantas FF$2490.20.40.250.55x on the Amex5x on the Amex5x on the AmexNone5x on the Amex at dept. storesVisa/MasterCard - 3.00%
American Express - 0%
Commonwealth BankGold AwardsDual Amex / MasterCardCommonwealth Bank Awards or Qantas FF$1190.20.40.20.44x on the Amex4x on the Amex4x on the AmexNone4x on the Amex at dept. storesVisa/MasterCard - 3.00%
American Express - 3.5%
Commonwealth BankAwardsDual Amex / MasterCardCommonwealth Bank Awards or Qantas FF$590.20.40.20.43x on the Amex3x on the Amex3x on the AmexNone3x on the Amex at dept. storesVisa/MasterCard - 3.00%
American Express - 3.5%
Commonwealth BankBusiness Awards PlatinumDual Amex / MasterCardCommonwealth Bank Awards$3000.20.40.250.56x on the Amex6x on the Amex6x on the Amex1x on Mastercard only6x on the Amex at dept. storesVisa/MasterCard - 3.00%
American Express - 0%
Diners ClubDiners Club CardDiners ClubDiners Club Rewards$21210.50.5NoneFree lounge access3%0.400.400.500.500.500.500.500.500.500.40
Diners ClubDiners Club Card + World MasterCardDual Diners Club / World MastercardDiners Club Rewards$2992 on Diners
0.75 on Mastercard
1 on Diners
0.375 on Mastercard
1 on Diners
0.375 on Mastercard
NoneFree lounge access and
World Mastercard privileges
3.40%0.80 on Diners
0.30 on Mastercard
0.80 on Diners
0.30 on Mastercard
1 on Diners
0.375 on Mastercard
1 on Diners
0.375 on Mastercard
1 on Diners
0.375 on Mastercard
1 on Diners
0.375 on Mastercard
1 on Diners
0.375 on Mastercard
1 on Diners
0.375 on Mastercard
1 on Diners
0.375 on Mastercard
0.80 on Diners
0.30 on Mastercard
Diners ClubDiners Club Frequent FlyerDiners ClubQantas Frequent Flyer$1501None+1 point with QantasFree lounge access3%
Diners ClubDiners Club Frequent Flyer +
World MasterCard
Dual Diners Club / World MastercardQantas Frequent Flyer$2601.25 on Diners
0.5 on Mastercard
None+1 point with QantasFree lounge access and
World Mastercard privileges
3.40%
G&C Mutual BankQantas Platinum VisaVisaQantas Frequent Flyer$2490.85None+1 point with Qantas2.85%
HSBCPlatinum Qantas VisaVisa PlatinumQantas Frequent Flyer$791None2,500 per month0.5 points per $ up to 7,500 points
per statement period
3%
JetstarMasterCardMasterCardJetstar Dollars or Qantas FF (+$30)$690.5NoneOR $1 credit w/Jetstar per $10025,000 per yearnone3%
JetstarPlatinum MasterCardMasterCardJetstar Dollars or Qantas FF$169Qantas Point earn rate reduced to 0.5 per $
on all spend from 7 May onwards
0.5NoneOR $2 credit w/Jetstar per $100100,000 per yearnone3%
MacquarieVisa PlatinumVisaMacquarie Rewards or Qantas FF ($50 opt-in fee)$199Lower points cap imposed
from 15 March 2018
1None+1 point with Qantas$1,000 pcm0.5 point per $ uncapped3%
MacquarieVisa BlackVisaMacquarie Rewards or Qantas FF$2991None+1 point with Qantas$4,000 pcm0.5 point per $ uncapped3%
MacquarieHilton Honors Platinum CardVisa PlatinumHilton Honors$295None4x with HiltonHHonors Gold Status3%1
NABQantas RewardsVisaQantas Frequent Flyer$950.5None$3,000 per month3%
NABQantas Rewards PremiumVisaQantas Frequent Flyer$2500.66None$3,000 per month0.33 per $ from $3,000 to $6,000 per statement period3%
NABQantas Rewards SignatureVisaQantas Frequent Flyer$3951None2x with Qantas$5,000 per month0.5 points per $ up to $20,000 per statement period3%
NABVelocityVisaVelocity Frequent Flyer$95Discontinued as of
11 February 2018
0.5None$3,000 per month3%
NABVelocity PremiumVisaVelocity Frequent Flyer$150Discontinued as of
11 February 2018
0.66None$3,000 per month0.33 per $ from $3,000 to $6,000 per statement period3%
NABFlybuys Rewards CardVisa PlatinumFlybuys$95No longer available
to new applicants
1None20,000 per statement period3%0.4
NABRewards ClassicVisaNAB Rewards$950.3750.250.253xNone2x points in major department
and hardware store
3%0.00375
NABRewards PlatinumVisaNAB Rewards$1950.50.330.333xNone2x points in major department
and hardware store
3%0.005
NABRewards Business PlatinumVisa PlatinumNAB Rewards$1750.50.330.333xNone2x points in major department
and hardware store
3%0.005
NABRewards SignatureVisaNAB Rewards$2950.6250.410.413xNone2x points in major department
and hardware store
3%
NABQantas Business SignatureVisa SignatureQantas Frequent Flyer$2950.67None50,000 points per card per statement period3%
QantasPremier MastercardMastercardQantas Frequent Flyer$299-11.5xNone2x with Qantas$10,000 per month3%
Qudos BankVisa PlatinumVisa PlatinumQantas Frequent Flyer$2491None2x with Qantas$2,500 per month0.5 point per $ up
to $200,000 p.a.
3.65%
St.GeorgeAmplifyVisaAmplify Rewards or Qantas FF$790.50.50.5None3%0.5
St.GeorgeAmplify PlatinumVisa PlatinumAmplify Rewards or Qantas FF$990.50.50.5None3%
St.GeorgeAmplify Signature VisaVisa SignatureAmplify Rewards or Qantas FF$2790.750.750.75None10% 'birthday bonus' pa2 x Qantas Club or Priority Passes3%
Suncorp BankPlatinum VisaVisaSuncorp Bank Rewards or Qantas FF (+$49)$1690.50.50.5n/k3.40%
Suncorp BankBusiness VisaVisaSuncorp Bank Rewards or Qantas FF$450.50.40.4n/k80,000 per card per year3.40%
Virgin MoneyFlyer VisaVisaVelocity Frequent Flyer$1290.66NoneDiscounted Virgin flight benefit$1,500 per month0.5 points per $3.30%
Virgin MoneyHigh Flyer VisaVisa SignatureVelocity Frequent Flyer$2891NoneDiscounted Virgin flight benefit$8,000 per month0.5 points per $3.30%
WestpacAltitude BlackWorld MasterCard/
American Express
Altitude Rewards or Altitude Qantas$250 for the Mastercard
(+$50 opt-in fee to Qantas Rewards)
$199 for the Amex
Amex variant relaunched
on April 23, but reduced
transfer rates in November
1.250.751.5 (auto-redemption)
1 (regular transfer)
0.625 (auto-redemption)
0.41 (regular transfer)
10.4110.41~1.6x with
the Amex
0.4x w/ the Amex only2 x Qantas w/ Altitude Qantas2 x Qantas Club or Priority Passes
2 x Amex lounge passes for Amex cardholders
uncapped3.0%
Mastercard 0.625
Amex 1.5
WestpacAltitude PlatinumVisa/American ExpressAltitude Rewards or Altitude Qantas$150 for the Mastercard
(+$50 opt-in fee to Qantas Rewards)
$49 for the Amex
Amex variant relaunched
on April 23, but reduced
transfer rates in November
10.51 (auto-redemption)
0.67 (regular transfer)
0.5(auto-redemption)
0.33 (regular transfer)
0.670.330.670.331.5x with
the Amex
0.5x w/ the Amex only2 x Qantas w/ Altitude Qantasuncapped3.0%
Mastercard 0.5
Amex 1
WestpacAltitude Business PlatinumVisaAltitude Rewards$200Amex variant discontinued in February and
transfer rates reduced in November
0.50.5 (auto-redemption)
0.33 (regular transfer)
0.330.332x0.5xuncapped3.0%0.625
WestpacAltitude Business GoldVisaAltitude Rewards$150Amex variant discontinued in February and
transfer rates reduced in November
0.50.5 (auto-redemption)
0.33 (regular transfer)
0.330.330.5x20,000 points per month3.0%0.5
WestpacBusinessChoice Rewards VisaVisaQantas Frequent Flyer$1500.67n/k3%
Woolworths MoneyQantas Platinum CardVisa PlatinumQantas Frequent Flyer$169Lower earn rates announced.
Earn rates in this table are effective 1 April 2018
0.5None2x at Woolworths
Big W and a number
of other shops
3%

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