Point Hacks Credit Card Guide

The highest Velocity Points-earning credit cards

Velocity Frequent Flyer from Virgin Australia is the second most popular frequent flyer program in Australia, with Velocity Points able to be used with a number of key airline partners including Etihad, Singapore Airlines and Delta.

Earning Velocity Points from credit card spend is one of the key ways that many Velocity members earn their points – if you happen to put a lot of your day-to-day spend on American Express, Visa or Mastercard, there are some high points earning options out there.

We’ve rounded up some of the highest Velocity Points-earning cards on the market, with American Express options earning more than 1 Velocity Point per $, and the Visa / Mastercard options earning over 0.75 Velocity Points per $.

We’ve included an overview table so you can assess the cards that are out there, versus those you may have in your wallet. We also include some of the current sign up bonuses for new card applicants.

Business Class redemptions on domestic Virgin Australia flights is one of the best uses of Velocity points

Earn rate changes

Note that 2017 is proving to be a game changer in the Australian credit card market, with a number of changes from the Reserve Bank continuing to make themselves felt to consumers and business alike. We are now seeing changes in a wide range of cards especially with regards to card benefits, points earn rates and transfer rates.

All figures in the tables below are updated with details from the latest announcements and we will do our best to keep this guide up-to-date.

Both ANZ and Citi were the first ones to announce changes to their range of credit cards this year. ANZ is severing ties with American Express but also increasing earn rates on Visa cards, albeit implementing a points cap across their lineup, effective 6 August 2017.

Citi’s changes also affect the majority of their points-earning credit cards, with both earn rate and transfer rate to partners being adjusted, effective 15 June 2017.

Recent announcements by Westpac, St. George group, NAB and Commonwealth Bank have seen even more changes coming into the scene with most changes effective from 1 July 2017 onwards.

You can keep up with all the upcoming changes here.

The highest earning Velocity Point credit cards

Card / OfferAmerican Express Velocity Points earned / $ spentVisa/MasterCard/Diners Velocity Points earned / $ spentPoints CapAnnual FeeOur Guide
American Express Business Accelerator ↓2 points -100,000 points p.a.
1 point per $ afterwards
160
American Express Velocity Platinum ↓1.5 points on general spend except utilities and ATO
2.5 points with Virgin Australia
-uncapped375
American Express Explorer ↓1.5 points-uncapped395
American Express Business Explorer ↓1.5 points -uncapped395
Westpac Altitude Business Platinum1.5 points0.5 point domestic
1 point overseas
uncapped295
Westpac Altitude Black ↓1.25 points0.625 pointuncapped395
American Express Platinum Charge ↓1 point on general spend except utilities and ATO
3 points at selected restaurants
2 points on travel & overseas spend
-300,000 p.a. 1,200
American Express Platinum Edge ↓1 point on general spend except utilities and ATO
3 points at supermarkets
2 points on fuel
-uncapped195
American Express Business Platinum Charge ↓1 point on general spend
2 points on selected business and advertising expenses
2 points at most restaurants in Australia
2 points on travel and overseas spend
-375,000 p.a.1,500
Diners Club Card + World Mastercard2 points on Diners
0.883 points on Mastercard
uncapped389n/a
ANZ Rewards Black ↓1 point5,000 points per month
0.5 points per $ after cap reached
375
BoQ Specialist Signature Visa-1 point domestic
1.5 points overseas
10,000 pcm
0.5 points per $ afterwards
400n/a
Virgin Money High Flyer Visa ↓-1 point8,000 points per month
0.5 point per $ afterwards
289
Coles Rewards MasterCard-0.87 points equivalent with transfer from flybuys to VelocityTransfer is capped at 60,030 Velocity Points per household p.a.99
NAB Rewards Signature ↓-0.625 point on general spend
1.25 point in major dept. stores and hardwares
1.87 points on overseas spend
uncapped295
NAB Rewards Platinum ↓-0.5 point on general spend
1 point in major dept. stores and hardwares
1.5 points on overseas spend
uncapped195
NAB Rewards Business Platinum-0.5 point on general spend
1 point in major dept. stores and hardwares
1.5 points on overseas spend
uncapped175
Citi Prestige Visa ↓-0.5 point on general spend
1 point on petrol, supermarkets
and national retailers
1.5 point at major restaurants,
hotel chains and
major airlines and overseas spend
uncapped700
American Express David Jones Platinum ↓0.5 point on general spend
1.5 points at supermarkets and on fuel
2 point at David Jones
-uncapped295
American Express David Jones0.5 point on general spend
1 point at David Jones
1.5 points at supermarkets and on fuel
-uncapped99

How to analyse this list

For all the cards and offers listed on this page we are only touching on the ‘effective earn rate’ – this is when points in the parent bank / credit card rewards program are transferred to Velocity points, and is a way to compare the specific points earn rates for each card across various credit card rewards programs that offer different headline earn rates and transfer rates to frequent flyer programs.

Each card has other benefits too, along with other transfer partners, annual fees and terms and conditions – so be sure to check out the full guide to each card.

There’s also the signup bonus of a card to consider. A large signup bonus may help to offset a lower earn rate on a card, so bear that in mind. It depends how much spend you put through your credit card each month, and how long you keep the card for.

Each card offer, with bonus, fee and other offer information on this page will be up to date at the date of publication, however please note that we update offers over time.


Some current offers for key Velocity Frequent Flyer earning Credit Cards



American Express Business Accelerator - 2 points per $ up to 100,000 points yearly

The American Express Business Accelerator offers business owners and sole traders 2 Membership Rewards per dollar up to 100,000 points earned each cardholder year, with 1 point per $ earned after for an annual fee of $160.

  • 2 Membership Rewards points earned per $ spent everywhere (except for utilities, insurance and the ATO up to 100,000 points per year)
  • 1 Membership Rewards point earned per $ after 100,000 points earned in a year
  • $160 p.a. annual fee

Find out more or apply →

Point Hacks earn a maximum of $200 per applicant for this card. More about this →

The American Express Business Accelerator earns the equivalent of 2 Velocity Points per dollar up to 100,000 points earned per year.



American Express Velocity Platinum - 50,000 Velocity Points

The American Express Velocity Platinum card has a 50,000 Velocity Point bonus on offer, along with bonus status credits, a number of Virgin Australia perks including lounge passes, bonus points, and a free domestic flight.

  • 50,000 Velocity point bonus
  • 100 Velocity Frequent Flyer Status Credits
  • Two free Virgin Australia lounge passes each cardholder year
  • One free domestic flight with Virgin Australia each cardholder year
  • 2.5 Velocity points earned per $ spend on selected Virgin Australia purchases, 1.5 Velocity points earned per $ on everything else except for government bodies and the ATO
  • 0% p.a. on balance transfers for the first 12 months with 1% establishment fee - maximum balance transfer is $10,000 or 70% of your approved credit limit, whichever is less
  • $375 annual fee
  • 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. Previous and existing bank-issued American Express companion cardholders are eligible for this offer
  • $1,500 minimum spend within the first 3 months required to trigger bonus Velocity points
  • $50,000 minimum spend within your Card Membership year to receive Status Credits

Find out more or apply →

Point Hacks earn a maximum of $180 per applicant for this card. More about this →

The American Express Velocity Platinum card earns 1.5 Velocity point per dollar on general spend except for government bodies and the ATO, and 2.5 points per dollar on selected Virgin Australia products and services.

Government bodies and the ATO will earn 0.5 point per $ spent.



American Express Explorer - 50,000 Membership Rewards Gateway points

American Express 'Explorer' card has 50,000 bonus Membership Rewards Gateway points on offer. Includes $400 travel credit each year, free American Express lounge access plus a range of insurances and high points earn rates on spend.

  • 50,000 Membership Rewards Gateway point bonus
  • $400 travel credit every year
  • Free access to the Sydney Airport American Express lounge twice a year
  • 2 Membership Rewards points earned per $1 on all purchases except government bodies where you will earn 0.5 points per $1 spent.
  • Included Insurances - smartphone screen insurance and various travel insurances (PDS)
  • 0% p.a. on balance transfer for the first 12 months - A one-off credit plan establishment fee of 1% applies
  • $395 p.a. annual fee
  • 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. Previous and existing bank-issued American Express companion cardholders are eligible for this offer
  • $1,500 minimum spend in 3 months required to earn bonus points

Find out more or apply →

Point Hacks earn a maximum of $250 per applicant for this card. More about this →

The American Express Explorer earns the equivalent of 1.5 Velocity points per dollar with no points cap, including utilities. Government bodies earn at 0.5 point per $ spent.



American Express Business Explorer - 100,000 Membership Rewards Gateway points

American Express Business 'Explorer' card has 100,000 bonus Membership Rewards Gateway points on offer. Benefits this card brings include business loyalty bonus each year, free American Express lounge access plus a range of insurances and high points earn rates on spend.

  • 100,000 Membership Rewards Gateway point bonus
  • 50,000 points Business Loyalty Bonus each year
  • Free access to the Sydney Airport American Express lounge twice a year
  • 2 Membership Rewards points earned per $1 on all purchases except government bodies where you will earn 0.5 points per $1 spent.
  • Complimentary travel insurances (PDS)
  • Annual fee: $395 p.a.
  • 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. Previous and existing bank-issued American Express companion cardholders are eligible for this offer
  • $3,000 minimum spend in 3 months required to earn bonus points
  • $100,000 spend every 12 months from card approval to get the 50,000 points business loyalty bonus
  • Offer ends: 30 November 2017

Find out more or apply →

Point Hacks earn a maximum of $275 per applicant for this card. More about this →

The American Express Business Explorer’s earn rate is similar to the personal version of the card, which earns 1.5 Velocity points per dollar with no points cap, including utilities. Spend on government bodies earn 0.5 point per $.



ANZ Rewards Black Visa - 75,000 ANZ Rewards Points

ANZ are offering 75,000 bonus ANZ Rewards Points when you spend $2,500 on eligible purchases in the first 3 months and $0 annual fee for the first year with the ANZ Rewards Black. Eligibility criteria, T&Cs, fees and charges apply.

  • 75,000 ANZ Rewards point bonus after $2,500 minimum spend in the first 3 months after approval
  • $0 annual fee for the first year
  • 24/7 Personal Concierge and exclusive entertainment and lifestyle offers
  • Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, then 1 Reward Point per $1 spent on eligible purchases above $5,000 per statement period
  • Annual fee: No annual fee for the first year, usually $375
  • Signup bonus points will be awarded within 2 months of meeting purchase criteria
  • Offer only available to new ANZ Rewards customers who meet eligibility criteria, exclusions apply.

Find out more or apply →

Point Hacks earn up to $150 per applicant for this card. More about this →

ANZ Rewards Black earns 1 Velocity point per dollar up to $5,000 per statement period and then 0.5 point per dollar thereafter when transferred directly from ANZ Rewards with no points cap.



Westpac Altitude Black Amex & MasterCard - 100,000 Qantas or Altitude Rewards Points

Westpac's Altitude Black card has up to 100,000 bonus Qantas or Altitude points plus $200 off the 1st year annual fee. There are many ongoing card benefits, including Qantas or Priority Pass lounge invites and World Mastercard benefits.

  • 20,000 Qantas Points or Altitude Rewards points on card approval
  • Additional 80,000 Qantas Points or Altitude Rewards points when you spend $5,000 within the first 90 days from card approval
  • $200 off the first year annual fee, making it $195 (usually $395)
  • 1.25 Qantas Points or 2.5 Altitude Points for every $1 spent on the American Express
  • 0.625 Qantas Points or 1.25 Altitude Points for every $1 spent on the MasterCard
  • 2 x Qantas Club or Priority Pass invitations per cardholder year
  • Access to World MasterCard benefits
  • Overseas Travel Insurance, Purchase Protection and other insurances(PDS)
  • $195 annual fee for the first year (usually $395 p.a.)
  • $5,000 minimum spend in 90 days required to earn 80,000 bonus points
  • Bonus points offer not available with switches, upgrades, customers accessing employee benefits or packages.
  • Offer ends: 26th October 2017

Find out more or apply →

Point Hacks earns a range of commissions per applicant for this card. More about this →

The Westpac Altitude Black earns 1.25 Velocity points per dollar on the American Express and 0.625 Velocity points per $ on the linked Mastercard.



Citi Prestige Visa - 150,000 Citi Rewards points (75,000 Velocity points / 60,000 Krisflyer miles if transferred)

150,000 Citi Rewards Points are on offer with the Citi Prestige Visa when signing up and linking to Citi Rewards. Comes with a vast range of perks including unlimited lounge access, free hotel night, and airport limo transfers.

  • 150,000 bonus Citi Rewards points
  • Ability to transfer points to Velocity, Krisflyer, Asia Miles or other international frequent flyer programs
  • Priority Pass lounge access, Visa Luxury Hotels service, and other premium benefits
  • 3 Citi Rewards points earned per $1 on select purchases and bookings from a range of major restaurants, major hotel chains and flights directly booked with major airlines and international spend
  • 2 Citi Rewards points earned per $ for selected purchases made at major petrol outlets, major supermarkets and major national retailers
  • 1 Citi Rewards point earned per $ spent everywhere else on eligible spend
  • Complimentary bottle of wine when you dine with partner restaurants
  • Annual fee: $700 p.a.
  • Spend a minimum of $3,000 in the first 90 days from card approval to receive bonus
  • $150,000 p.a. minimum income requirement
  • Offer expires: 31 January 2018

Find out more or apply →

Point Hacks earn a maximum of $280 per applicant for this card. More about this →

The Citi Prestige Visa earns the equivalent of 0.5 Velocity point on general spend, 1 Velocity point on petrol, supermarkets and national retailers, and 1.5 point at major restaurants,
hotel chains and major airlines including overseas spend.



Virgin Money Velocity High Flyer Visa - Up to 120,000 Velocity points

Virgin Money have up to 120,000 bonus Velocity points on offer with their High Flyer Visa. This has one of the highest Visa earn rates for Velocity points out there along with Virgin Australia flight credit voucher and lounge benefits.

  • Up to 120,000 bonus Velocity Points (spend criteria apply)
  • $129 Virgin Australia flight credit voucher and 2 lounge passes
  • 1 Velocity Points earned per $ spent up to 8,000 Points per month, 0.5 Velocity Points per $ after
  • 0% p.a. on balance transfers for 15 months
  • $289 p.a. annual fee
  • Offer expires: 31st October 2017
  • 40,000 bonus points for every month you spend $3,000 or more in the first 3 months

Find out more or apply →

Point Hacks earn a maximum of $80 per applicant for this card. More about this →

The Virgin High Flyer Visa earns 1 Velocity point per dollar on general spend capped at 8,000 points per month and 0.5 points per dollar once the cap is reached.



American Express Platinum Charge - 80,000 Membership Rewards points

With a 80,000 Membership Rewards points bonus available on sign up, the American Express Platinum Charge is a great card for those who want to earn Membership Rewards points on everyday spend with lots of additional benefits. Read the Point Hacks guide for the full rundown.

  • 80,000 Membership Rewards points signup bonus
  • $300 travel credit annually
  • Unlimited access to certain airline lounges - including Virgin Australia Domestic, Delta and American Express lounges globally
  • Access to American Express Fine Hotels & Resorts perks & discounts
  • 3 Membership Rewards points earned per $ spent at restaurants, 2 points earned per $ on travel spend, and 1 point per $ everywhere else except for utilities and the ATO
  • $1200 p.a. annual fee
  • 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. Previous and existing bank-issued American Express companion cardholders are eligible for this offer.
  • Bonus points require $1,500 minimum spend in first 3 months
  • Charge card, not credit card - balance requires payment in full each month but with no pre-set spending limit - more about this

Find out more or apply →

Point Hacks earn a maximum of $300 per applicant for this card. More about this →

The American Express Platinum Charge earns the equivalent of 1 Velocity point per dollar on general spend, 3 points at selected restaurants and 2 points on travel and overseas spend, uncapped.



American Express Platinum Edge - $200 travel credit each year

American Express are offering $200 travel credit each year with the Platinum Edge. Offers 3 points per $ at supermarkets, and 2 points per $ on fuel.

  • $200 travel credit each year which can be used for flight, hotel or rental car bookings with Amex Travel
  • Travel and purchase protection insurances (PDS)
  • 3 Membership Rewards points earned per $ spent at supermarkets, 2 points earned per $ on fuel, and 1 point per $ everywhere else except for utilities and the ATO
  • 0% p.a. on balance transfers for the first 12 months, with a 1% establishment fee - maximum balance transfer is $10,000 or 70% of your approved credit limit, whichever is less
  • Annual fee: $195 p.a.
  • 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. Previous and existing bank-issued American Express companion cardholders are eligible for this offer.

Find out more or apply →

Point Hacks earn a maximum of $150 per applicant for this card. More about this →

The American Express Platinum Edge earns the equivalent of 1 Velocity point per dollar on general spend, 3 points at Supermarkets and 2 points on fuel spend, uncapped.



American Express Platinum Business Charge - 120,000 Membership Rewards points

With a 120,000 Membership Rewards bonus, the American Express Platinum Business Charge card is aimed at small and medium size businesses who want to maximise their points earn and travel benefits.

  • 120,000 Membership Rewards points on approval
  • 2 Membership Rewards points earned per $ spent at restaurants, airlines, accommodations and business expenses, 1 point per $ everywhere else except for utilities and the ATO
  • A vast range of Small and Medium Enterprise specific benefits, insurances (PDS), rewards and travel options
  • Unlimited access to Virgin Australia and American Express airline lounges globally
  • $1500 p.a. annual fee
  • Spend $5,000 in first two months of ownership to qualify for signup bonus
  • Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer.
  • Offer expires: 30th November 2017

Find out more or apply →

Point Hacks earn a maximum of $330 per applicant for this card. More about this →

The American Express Platinum Business Charge earns the equivalent of 1 Velocity point per dollar on general spend, 2 points on selected business and advertising expenses, 2 points at selected restaurants and 2 points on travel and overseas spend, capped at 375,000 p.a..



NAB Rewards Signature Visa - 90,000 Rewards Points

The NAB Rewards Signature Visa has 90,000 bonus points on offer with the ability to transfer points to Velocity, Asia Miles and Air NZ Airpoints - plus bonus points for overseas spend and purchases at major department and hardware stores.

  • 90,000 sign up bonus NAB Rewards points - transfers to 45,000 Velocity Points or 29,700 Asia Miles
  • 0% p.a. for 6 months on Balance Transfer with no BT fee (ends 12th November)
  • 1.25 NAB Rewards point earned per $ spent on everyday purchases
  • 3.75 NAB Rewards points earned per $1 spend overseas and 2.5 NAB Rewards points in major department and hardware stores
  • NAB Rewards points can be transferred to Velocity Points, Asia Miles or Air NZ Airpoints
  • 7 complementary Insurances including overseas travel insurance when you meet eligibility criteria (PDS)
  • $295 p.a. annual fee
  • $4,000 spend within 60 days of account opening required to trigger bonus points
  • Offer unavailable if closing/transferring from another NAB credit card account

Find out more or apply →

Point Hacks earn a range of commissions for applicants of NAB credit cards. More about this →

The NAB Rewards Signature Visa earns the equivalent of 0.625 Velocity point per dollar on general spend, 1.25 points per dollar in major department and hardware stores, and 1.87 points per dollar on overseas spend with no points cap.



NAB Rewards Platinum Visa - 60,000 NAB Rewards Points

The NAB Rewards Platinum Visa has 60,000 bonus points on offer. NAB Rewards allows you to transfer points to Velocity, Asia Miles and Air NZ Airpoints, and offers bonus points for overseas spend and purchases at major department and hardware stores.

  • 60,000 sign up bonus NAB Rewards points - transfers to 30,000 Velocity Points, or 19,800 Asia Miles
  • 0% p.a. for 6 months on Balance Transfer with no BT fee (ends 12th November)
  • 1 NAB Rewards point earned per $1 spend on everyday purchases
  • 3 NAB Rewards points earned per $1 spend overseas and 2 NAB Rewards points in major department and hardware stores
  • NAB Rewards points can be transferred to Velocity Points, Asia Miles or Air NZ Airpoints
  • 7 complimentary insurances including overseas travel (PDS)
  • Annual fee: $195 p.a.
  • Spend $2,500 on everyday purchases within the first 60 days to receive sign up bonus points
  • Offer unavailable if closing/transferring from another NAB credit card account

Find out more or apply →

Point Hacks earn a range of commissions for applicants of NAB credit cards. More about this →

The NAB Rewards Platinum Visa earns the equivalent of 0.5 Velocity Points per dollar on general spend, 1 point in major department and hardware stores, and 1.5 points overseas with no points cap.



David Jones Platinum American Express - 30,000 Qantas Points or 40,000 DJ's MR points

The David Jones Platinum Amex has 40,000 DJ's Membership Rewards points or 30,000 Qantas points on offer for new applicants plus excellent ongoing bonus points for spend at David Jones, Supermarkets and on Fuel. It's a useful card for earning either Qantas Points, or Starwood Preferred Guest points.

  • Choose 40,000 David Jones Membership Rewards points or 30,000 Qantas Points sign up bonus
  • Free access to the Sydney Airport American Express lounge twice a year
  • Exclusive benefits at David Jones, including free standard delivery for online purchases, free gift wrapping, 4 years interest free on big ticket items
  • 4 David Jones Membership Rewards points per $ at David Jones, 3 points per $ at Supermarkets/Fuel, 1 point per $ everywhere else, OR
  • 3 Qantas Points per $ at David Jones, 2.25 Qantas Points earned per $ at Supermarkets/Fuel, 0.75 points per $ everywhere else
  • $295 annual fee
  • Minimum income requirement of $65,000 pa
  • Only available to new David Jones American Express customers within the last 18 months
  • Eligible for bonus points after 3 transactions outside of David Jones in first 3 months of holding the card

Find out more or apply →

Point Hacks earn a maximum of $180 per applicant for this card. More about this →

The American Express David Jones Platinum card earns the equivalent of 0.5 Velocity points per dollar on general spend, 1.5 points per dollar at Supermarkets and fuel, 2 points per dollar on spend at David Jones.

Cards in the table, but not mentioned above

Offers for some of the cards are not mentioned above as they don’t offer a sign up bonus, or we don’t have a guide for them yet.

The focus of this guide is to outline the highest earning Velocity Point credit cards out there – there are many other cards with differing points earn rates and annual fees that are also linked to Velocity Frequent Flyer. Check out the cards table for the list.

The highest Velocity Points-earning credit cards was last modified: September 30th, 2017 by Keith

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Comments Expand Comments

  1. Kevin

    Hi Keith,

    The bonus offer (120,000 points) for Virgin Australia Velocity high flyer card. The terms and condition stated that “40,000 bonus Velocity Points will be awarded for every month $3,000 or more is spent on Eligible Transactions for 3 months from card approval. ”

    Does it mean that you have to spend $3000 every month for the first three months in order for a total bonus 120,000 points?

    Thank you

  2. Nicky

    Hi Keith. Is the Westpac Black AMEX devaluation happening after a certain date? I haven’t been contacted about it by Westpac, and my Altitude account still tells me it’s 3ppd (1.5 Velocity)

  3. What also needs to be considered is which cards transfer directly to velocity and which don’t. For those that don’t if you take advantage of transferring when velocity offer an additional 15% bonus you could be better off, but in saying that cards that do transfer directly may have a better conversion rate effectively making them a better card even if you don’t get the additional 15% transfer bonus.

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