Point Hacks Credit Card Guide

Our roundup of credit card offers to know about in September

With six out of every ten frequent flyer points coming from sources other than actually flying—and credit cards earning the bulk of those—getting the right mix of cards in your wallet is important to planning your next trip. Here is a sample of highlights from credit card providers available now.


Qantas Points

Westpac are offering up to 120,000 bonus Qantas or Altitude Points and $0 annual card fee on the American Express companion card for new cardholders of the Altitude Black Mastercard and American Express bundle until 27 November.

The Westpac Altitude Black bundle also comes with lounge access, insurance, World Mastercard benefits and access to Amex Invites.

There’s also up to 75,000 bonus Qantas or Altitude Points and $0 annual card fee for new cardholders of the Altitude Platinum two-card bundle until 27 November.

St.George have extended its offer of 90,000 bonus Qantas or Amplify points plus a reduced first-year annual fee of $179 with the Amplify Signature Visa until 2 October. Included are two complimentary airport lounge passes each year plus a unique ‘birthday bonus’ that gets you 10% bonus on all points earned from the previous 12 months.

The ANZ Frequent Flyer Black is a good option for those who do not qualify for an American Express card but still want to pick up a healthy 75,000 Qantas Points bonus. It comes with two complimentary Qantas Club lounge access per year and a discounted Qantas Club membership for the first year.

HSBC are offering 60,000 Qantas Points for new cardholders of the Qantas Platinum Visa until 30 September. This card earns a solid 1 Qantas Point per dollar up to $2,500 per statement period and comes with 0% balance transfer for 12 months plus complimentary insurances.

Velocity Points

Virgin Money have extended their 80,000 Velocity Point offer for new cardholders of the Virgin High Flyer Visa until 31 October, along with travel credits and lounge passes. Ongoing, it earns 1 Velocity Point per $ across all spend up to $8,000 per month.

The ANZ Rewards Travel Adventures Visa gets you 40,000 Velocity points for signing up, plus a complimentary Virgin Australia domestic return flight, two single-entry Virgin Australia domestic lounge passes and no overseas transaction fees on purchases.

American Express Membership Rewards

American Express Membership Rewards points are amongst the most flexible out there, with the ability to be transferred to key frequent flyer programs like Velocity, KrisFlyer and Asia Miles, as well as Qantas for Platinum and Business Platinum Charge cardholders.

American Express are offering 75,000 Gateway Membership Rewards Points for new cardholders of the American Express Explorer, along with a $400 travel credit, two American Express lounge passes and some unique perks like smartphone screen insurance.

If you are a business owner, there is also 75,000 Gateway Membership Rewards Points on offer for new cardholders of the Amex Business Explorer.

Citi Rewards

The top-of-the-line Citi Prestige card is offering up to 410,000 bonus Citi Rewards points, which transfer to most partners like Velocity, KrisFlyer and Asia Miles at a ratio of between 2:1 and 3:1. Do note a high $150,000 annual income requirement.

The Citi Signature card has an annual fee of $195 for the first year and is offering up to 310,000 bonus Citi Rewards points for new cardholders, which transfer only to Velocity, KrisFlyer and Emirates Skywards. Note the lower annual income requirement of $75,000 p.a.


Offer snapshot

CardBonus PointsAnnual FeeOffer end date
Qantas Points
Westpac Altitude Black BundleUp to 120,000 Qantas Points$250 p.a. + $50 for Qantas opt-in fee for the Mastercard
$0 card fee for the first year for the Amex
27 November
Westpac Altitude Platinum BundleUp to 75,000 Qantas Points$0 annual card fee for the first year + $50 Qantas opt-in fee for the Visa
(ongoing $150 p.a. for the Visa and $49 p.a. for the Amex)
27 November
St.George Amplify Signature90,000 Qantas Points$179 for the first year ($279 p.a. ongoing)2 October
ANZ Frequent Flyer Black75,000 Qantas Points + $200 credit$425No current offer end date
HSBC Qantas Platinum60,000 Qantas Points$19930 September
Velocity Points
Virgin Money High Flyer Visa80,000 Velocity Points$28931 October
ANZ Rewards Travel Adventures Visa40,000 Velocity Points$225No current offer end date
American Express Membership Rewards
American Express Explorer75,000 Gateway MR points$39526 September
American Express Business Explorer75,000 Gateway MR points$39510 October
Citi Rewards
Citi Prestige Visa410,000 Citi Rewards points$70031 March 2019
Citi Signature Visa310,000 Citi Rewards points$195 for the first year,
$395 p.a. ongoing
31 March 2019

You can also check out our full list of credit card offers as well as our best uses of points series.

Our roundup of credit card offers to know about in September was last modified: October 12th, 2018 by Matt Moffitt

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Point Hacks Credit Card Information

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Comments Expand Comments

  1. Jarryd

    As a further note to the Westpac bundle deals you can mix and match so that means you can apply for the platinum visa card for no fee and then the black AMEX card with no fee meaning 100,000 Qantas points for zero dollars. Now that’s a deal!

  2. James Sharpe

    hi pointshack,

    can you confirm with any of the velocity credit card offers do any check my payroll department for proof of income, i work for government and always have issues with credit providers contacting them for proof as they will not give out my pay details to anyone unless court ordered?

    thanks in advancer

    • Almost all card providers will want to check the income you state on the application form, either through the use of payslips and/or by contacting your bank. We are unable to comment on the exact nature of each provider’s application process, so will need to discuss with them to find out their requirements and whether they will work for your circumstances.

  3. Paul

    Hi.

    I held a black Westpac card in the past 12 months but it has been closed. Does this make me ineligible for the bonus points for the Westpac platinum card.

    Thanks.

    • Matt Moffitt Author

      As the card guide states:

      Existing Westpac customers who currently hold an Altitude Platinum Visa Card or Altitude Black Mastercard, or who have held one in the last 12 months, are not eligible for the Mastercard bonus offer.

      So you would have to wait 12 months from when you closed the card.

  4. Nick

    Well timed – thank you! My wife & I were discussing a week ago that it’s about time to think about getting new cards. We’ve both applied for St George Amplify

  5. Bails from Oz

    Hi Matt I applied for a St George Signature card through your link. Your article says the 1st year fee will be reduced by $100 but the documentation that came with the card says nothing about this. I’ll be interested when the fee posts, and whether you actually receive your bonus for the referral?

    • Matt Moffitt Author

      Yes, we’ve heard this has happened for a few applicants. St.George has told us that the documentation shows the higher annual fee but there should be a note on your file about the reduced annual fee. Wait until it posts and, if wrong, give them a call to refund the difference.

  6. achin

    Hi Matt – Thanks for the timely post. I was looking for same. I wanted to check is there any referral bonus for American Express Business Explorer card?

    • Matt Moffitt Author

      I don’t have that card, so can’t give a 100% answer, but you can check by logging into your Amex account and scrolling to Refer A Friend at the bottom of the page.

  7. Steve

    Your reveiw lists ANZ FF Black as offering 75 status credits. But on the ANZ link provided, there is no mention of this bonus. Is this bonus currently on offer?

  8. Paul

    Hi great article thank you so much.
    We use SPG points more than say Qantas and already have AMEX cards.
    Any thoughts on best card offer for this scenario ?

  9. Joe

    The snapshop table is great. Is there somewhere on the website where you can see a similar snapshot table with all current credit card offers? if not, it would be great to include somewhere.

  10. Philip Janz

    Hi. I signed up to the Westpac Altitude black through the link and got approved. I have had the card now for a month and haven’t received the 20k bonus points yet. How do I go about getting these put into my account?

    • Matt Moffitt Author

      The terms and conditions on the application page state:

      The bonus points will be credited to your points balance as follows: 20,000 points within 8 weeks of card approval and 80,000 points within 12 weeks after the eligible spend criteria being met. Spend criteria is a minimum amount of $5,000 on eligible purchases within 90 days from card approval. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account.

  11. Linda

    Hi
    I am trying to decide on which business card to choose.
    How can I compare them?
    I can only find compare option for non-business cards

  12. Damien

    Getting 60000 points from St George and BoM for $279 normally would be ok but nothing special… But when you can get the same number of points from HSBC for $80 less why would you bother.

    It’s definitely not worth sticking around the full year to get the extra 30k for another annual fee (90k points for $558 over 13 months – no thanks)!

    • If you look at bonus vs annual fee only, sure. However if you then consider spend, HSBC’s points cap can be very limiting, and St. George’s ability to earn points into Amplify is good if you want flexibility instead of earning Qantas Points. Different cards for different preferences, it’s good to have choice!

  13. Pete

    Thanks for all you produce on this site. I had my eye on some cards and remembered just as I was about to apply about your referral links and so came back here to click through – applied for two last week and one already approved so enjoy the little ‘donation’ back!

  14. Jon Barritt

    Hi

    Quick question regarding the ANZ Black card, I used to have a QFF Platinum with them, and cancelled it. So, when you say “offer only available to new ANZ Frequent Flyer customers who meet eligibility criteria, exclusions apply”, does that mean I won’t qualify for the bonus points? I cannot find any clarity on the ANZ website.

    Thanks.

    Jon

  15. TIM

    FYI … The ANZ FF Black AMEX is being discontinued from 5th August 2017, and the Visa that comes with the package is downgrading it points conversion from 1 point per $1 to 0.5 points for spends over $7,500 per statement.

  16. Gloria

    Hi Keith, Does the NAB Rewards Platinum Card (80k sign up bonus) have foreign transaction / overseas currency conversion fees?

  17. LMB

    This Amex requirement of not being an existing cardholder doesn’t help them. I already have two Amex cards – Platinum credit for grocery and petrol shopping, and Qantas Discovery for fee-free QFF points. Last year I had an ANZ Black Frequent Flyer Amex/Visa, but I closed that when they announced the end of my 1.5 QFF points per Amex $ spend.
    I’m in the market for a better QFF point earning card, and would consider Qantas Ultimate if it wasn’t for this clause. Do they really want to push me to close my two existing accounts and serve the 18 month time, just so I qualify for a deal that may/may not come up next year?
    Have they never heard the old adage that the best customer is the one you already have?

    • guesswho2000

      Completely agree, Amex UK aren’t as strict on this, they allow you to get the bonus on new cards as long as you don’t already hold one earning the same rewards currency (so if you hold a Membership Rewards card, you can get the bonus on SPG, BA and cashback cards, and vice versa). Their waiting period is also only six months after canx, during which time you can hold the others, of course!

      Conversely, although I have no first hand experience of this unlike the UK cards, which I still have, Amex USA are worse – no churning ever.

    • Ryan

      Bank companion cards are not counted when applying for a new Amex. Only previous AMEX-direct cards.

      I had the basic ANZ frequent flyer Visa/Amex and got rid of it around two weeks ago, applied for the Ultimate Qantas AMEX (through the PH link), and have just received my 75,000 bonus points.

  18. Stephen Mednick

    And if you applied for the card more than 18 months ago and still have it, does that make you eligible to apply for it?

  19. Stephen Mednick

    For the AMEX cards where it states “Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer”, does this mean that if you have an existing AMEX card issued say two years ago you are eligible to now apply?

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