Point Hacks Credit Card Guide

Our roundup of credit card offers to know about this month

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 for new cardholders of the Altitude Black Mastercard and American Express bundle until 2 June 2019.

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

The Qantas American Express Ultimate is offering 100,000 bonus Qantas Points for new Members until 6 May. The card has a host of perks including a $450 Qantas travel credit, complimentary American Express and Qantas lounge access twice a year and Qantas EpiQure Premium Membership.

Westpac are offering up to 100,000 bonus Qantas or Altitude Points and discounted first year annual card fee for new cardholders of the American Express Westpac Altitude Blended Bundle until 2 June – a new hybrid combo that combines the benefits of the Westpac Altitude Platinum and American Express Westpac Altitude Black cards.

ANZ are still offering 100,000 Qantas Points, $200 back for new cardholders of the ANZ Frequent Flyer Black. The ANZ Frequent Flyer Black is a good option for those looking for a non-American Express card but still want to pick up a healthy bonus. It also comes with two complimentary Qantas Club lounge access per year and a discounted Qantas Club membership for the first year.

Qantas Money have extended their offer up to 100,000 Qantas Points, 2 Qantas Club lounge invitations and a discounted first year annual fee of $149 for new cardholders of the Qantas Premier Platinum until 30 May 2019. The card focuses on maximising points earn from day-day-spend with 1 Qantas Point per $1 up to $10,000 per statement period.

NAB are offering 90,000 bonus Qantas Points for new applicants of the NAB Qantas Rewards Signature Visa. Comes with reduced first year annual fee of $295 and 0% p.a. on balance transfers for 6 months.

St.George, BankSA and Bank of Melbourne have extended their offer of 80,000 bonus Qantas Points plus a reduced first-year annual fee of $179 with the Amplify Signature Visa – Qantas Rewards until 22 May 2019. Included are two complimentary Qantas lounge passes each year plus a unique ‘birthday bonus’ that gets you 10% bonus on all points earned from the previous 12 months.

Velocity Points

Virgin Money are offering up to 90,000 Velocity Points for new cardholders of the Virgin High Flyer Visa until 30 April 2019, along with travel credits and lounge passes. Ongoing, it earns 1 Velocity Point per $ across all spend up to $8,000 per month.

Virgin Money are also offering a boosted bonus of up to 75,000 Velocity Points for new cardholders of the entry-level Flyer Visa card until 30 April 2019. The card a reduced first year annual fee, $129 travel credit and only requires a minimum annual income of $35,000, which makes it a great option for those on lower incomes.

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.

The American Express Platinum Charge has 80,000 Ascent Premium Membership Rewards points on offer for new cardholders, along with an increased $450 travel credit, unlimited access to certain airline lounges and a number of other useful perks including a smartphone screen insurance.

The American Express David Jones Platinum Card currently has a boosted offer of 50,000 DJ Membership Rewards or 25,000 Qantas Points bonus for new cardholders until 14 April. The David Jones American Express card range is a sleeper hit for savvy points collectors thanks to their ability to earn bonus Qantas Points for specific spend categories.

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
$199 p.a. for the Amex
2 June 2019
Qantas American Express Ultimate100,000 Qantas Points +
$450 Qantas Travel Credit
$4506 May 2019
American Express Westpac Altitude Blended BundleUp to 100,000 Qantas Points$0 for the first year, $150 p.a. ongoing + $50 for Qantas opt-in fee for the Mastercard
$199 on the Amex Black card
2 June 2019
Qantas Premier Platinum MastercardUp to 100,000 Qantas Points$149 for the first year,
$299 ongoing
30 May 2019
ANZ Frequent Flyer Black100,000 Qantas Points
+ $200 credit
$425No current offer end date
NAB Qantas Rewards Signature90,000 Qantas Points$295 for the first year,
$395 p.a. ongoing
No current offer end date
St.George Amplify Signature - Qantas Rewards80,000 Qantas Points$179 for the first year,
$279 p.a. ongoing
22 May 2019
Velocity Points
Virgin Money High Flyer VisaUp to 90,000 Velocity Points + $129 Virgin Australia flight credit$28930 April 2019
Virgin Money Flyer VisaUp to 75,000 Velocity Points + $129 Virgin Australia flight credit$64 for the first year,
$129 p.a. ongoing
30 April 2019
American Express Membership Rewards
American Express Platinum Charge80,000 Ascent Premium Membership Rewards points$1,450No current offer end date
David Jones Platinum American Express Card50,000 DJ Membership Rewards (25,000 Qantas Points)$29514 April 2019
Citi Rewards
Citi Prestige Visa410,000 Citi Rewards points$700No current offer end date
Citi Signature Visa310,000 Citi Rewards points$195 for the first year,
$395 p.a. ongoing
No current offer end date

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 this month was last modified: April 8th, 2019 by Daniel Sciberras

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Point Hacks Credit Card Information

Point Hacks is published by Point Hacks Australia Pty Ltd (ACN 622 987 160), a corporate authorised credit representative (Number: 504786) of MSC Advisory Pty Ltd ACN 607 459 441 (Australian Credit License: 480649). In some instances, Point Hacks Australia Pty Ltd receives a commission or benefit for referring you to the services of a credit provider. This commission or benefit is disclosed at the point of referral to the credit provider. This website does not provide credit, assist you in obtaining credit, or advise you to apply for any particular product from a provider.

We have not taken into consideration your personal circumstances or financial situation when providing the information on this website. It is important you read the relevant PDS from the product issuer and seek the independent advice of an appropriately qualified professional before making a decision on a product.

While we invest a great deal of time and energy into ensuring we provide with you with the most up to date and accurate information, we do not warrant the accuracy of statements or information contained on the Website relating to third party goods and services, including credit card information, loyalty schemes and rewards. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability arising from any person acting on those statements or information to the fullest extent permitted by law. Where conditions or warranties are implied by law and cannot be excluded, our liability will be limited to the re-supply of information. You should confirm the accuracy of information provided on this Website with the third party product provider before acting on it.


  1. Ben


    Great article – one additional metric which would be really useful along with the bonus points would be to understand what the earn rate per $ is for each card. The bonus is useful, however after this I would love to know which card will earn me the most points.


  2. Peter

    What about the current Bendigo Bank offer of 80,000 Qantas points for an annual fee of only $149? Only need to spend $2,500 is the first 90 days. Okay, at 0.6 points per $1 isn’t a great earn rate, but I see this as purchasing 80,000 points for $149 which I think is an awesome deal. You can even select a credit limit as low as $3,000 so don’t have to justify a high limit.

  3. 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!

  4. 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.

  5. Paul


    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.


    • 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.

  6. 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

  7. 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?

    • 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.

  8. 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?

  9. 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?

  10. 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 ?

  11. 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.

  12. 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?

    • 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.

  13. Linda

    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

  14. 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!

  15. 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!

  16. Jon Barritt


    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.



  17. 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.

  18. Gloria

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

  19. 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.

  20. 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?

  21. 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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