How credit cards unlock your points potential
Big sign-up bonuses
Lounge access, insurance and travel perks
Flexible points you can actually use
Choosing the right card can fast-track your next trip.
We’ve curated the top offers available now — no guesswork, just the features that matter.
| Card | Current offer | Min. spend | Annual fee | Earn rate | Estimated points | Benefits | Apply |
|---|---|---|---|---|---|---|---|
 ANZ Rewards Velocity Platinum | Get up to 80,000 bonus Velocity Points + $50 back with the ANZ Rewards Platinum Credit Card. Earn 60,000 bonus Velocity Points and $50 back when you spend $3,500 on eligible purchases the first 3 months from approval, plus 20,000 bonus Velocity Points when you keep the card for over 15 months from activation. Offer ends 15 Nov 35 | $3,500 | $149 | 1.5 ANZ Reward Points per $1 spent on eligible purchases up to and including $2,000 per statement period, then 0.5 ANZ Reward Points per $1 spent on eligible purchases over $2,000 up to and including $25,000 per statement period. No ANZ Reward Points earned over $25,000 per statement period., Keep on your auto redemption to transfer your ANZ Reward Points to Velocity Points. 2 Rewards Points for 1 Velocity Point. | 96,000 | <ul><li>Up to 80,000 bonus Velocity Points</li><li>$149 p.a. annual fee</li></ul> | Find out more & Apply |
 American Express Platinum Card | Earn 200,000 Bonus Membership Rewards Points when you apply by 3 November 2026, are approved and spend $5,000 on eligible purchases on your new American Express Platinum Card within the first 3 months. Plus, an additional 100,000 bonus Membership Rewards Points when you spend a further $5,000 on eligible purchases within the first 3 months of your second year Card Membership. Offer available to new American Express Card members only. T&Cs apply. Offer ends 3 Nov 26 | $5,000 | $1,450 | Earn 2.25 Membership Rewards points per $1 on all eligible purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent | 254,000 | <ul> <li>Up to 300,000 Bonus MR points¹</li> <li>Unlimited lounge access⁶</li> <li>Annual $450 Travel Credit⁵</li> </ul> | Find out more & Apply |
 Qantas American Express Ultimate | Earn 70,000 bonus Qantas Points¹ with the Qantas American Express Ultimate Card when you apply online by 17 November 2026, are approved, and spend $5,000 in the first 3 months. Plus, an additional 50,000 bonus Qantas Points when you spend a further $5,000 on eligible purchases within the first 3 months of your second year Card Membership. New Amex Card Members only. T&Cs apply. Offer ends 17 Nov 26 | $5,000 | $450 | 1.25 Qantas Points earned per $1 on eligible everyday purchases, 2.25 Qantas Points per $1 spent on selected Qantas products and services in Australia, 0.5 Qantas Point per $1 at government bodies in Australia, After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent. | 100,000 | <ul> <li>Up to 120,000 bonus Qantas Points¹</li> <li>$450 Qantas Travel Credit per year³</li> <li>$450 p.a. annual fee</li> </ul> | Find out more & Apply |
 American Express Velocity Platinum | Earn 50,000 Velocity Points¹ when you apply for the American Express Velocity Platinum, are approved, and spend $5,000 in the first 3 months. The card earns Velocity Points on spend and includes complimentary Virgin Australia Lounge Access every time you fly with Virgin Australia. New Amex Card Members only. T&Cs apply. Offer ends 31 Dec 30 | $5,000 | $440 | 1.25 Velocity Points earned per $1 on all eligible spend except for government bodies², 2.25 Velocity Points per $1 spent on selected Virgin Australia purchases², 0.5 Velocity Points per $1 on Government spend² | 80,000 | <ul> <li>50,000 bonus Velocity Points¹</li> <li>Virgin Australia Lounge Access</li> </ul> | Find out more & Apply |
 NAB Qantas Rewards Signature | NAB is offering up to 60,000 bonus Qantas Points for new cardholders of the NAB Qantas Rewards Signature Card¹, plus 0% p.a. on balance transfers for 12 months with a 3% balance transfer fee⁴. The card also includes complimentary insurances, such as International Travel Insurance, Purchase Protection and Extended Warranty Insurance³, and earns 0.75 Qantas Point per $1 spent on the first $3,000 per statement period, then 0.25 Qantas Points per $1 on spend up to $15,000. Offer ends 31 Dec 30 | $5,000 | $449 | 0.75 Qantas Points earned per $1 spent up to $3,000, then 0.25 points per $1 thereafter, capped at $15,000 per statement period, plus 0.5 additional Qantas Points earned per $1 on eligible International Spend, uncapped.² | 58,000 | <ul> <li>Up to 60,000 bonus Qantas Points</li> <li>0% p.a. on balance transfers for 12 months with a 3% BT fee⁴</li> <li>$449 p.a. annual fee</li> </ul> | Find out more & Apply |
 NAB Rewards Travel Card | Enjoy up to 180,000 NAB Rewards Bonus Points when you spend $5,000 on everyday purchases within the first 90 days of account opening and keep your card open for over 12 months. The card also offers 0% p.a. on balance transfers for 12 months, with a 3% balance transfer fee⁵. Offer available to new NAB Cardholders only. T&Cs apply. Offer ends 3 Sep 35 | $5,000 | $395 | Earn 1.5 NAB Rewards Points per $1 spent on everyday purchases up to $10,000 per statement period, then 0.5 NAB Rewards Points for every $1 spent, uncapped thereafter², 1 bonus NAB Rewards Points applies to every $1 spend on eligible purchases for Groceries, Petrol, Public Transport and Travel, uncapped² | 156,000 | <ul> <li>No international transaction fees on all your eligible purchases</li> <li>0% p.a. on balance transfers for 12 months with a 3% BT fee³</li> <li>$395 p.a. annual fee</li> </ul> | Find out more & Apply |
 Qantas Money Platinum | Earn 40,000 bonus Qantas Points with the Qantas Money Platinum Credit Card when you spend $5,000 in the first 90 days from card approval, plus 40,000 bonus Qantas Points if you haven’t earned Qantas Points with a credit card in the last 24 months. The card also offers 0% p.a. on balance transfers for 24 months, with a 3% balance transfer fee. Balance transfers must be applied for during the card application and revert to the cash advance rate after 24 months. You’ll also earn 1 Qantas Point per $1 spent and 1.5 Qantas Points per AU$1 spent overseas. Offer ends 31 Dec 35 | $5,000 | $399 | 1 Qantas Point per whole AU$1 on Domestic Spend up to $10,000 per statement period and 0.5 thereafter. 1.5 Qantas Points per whole AU$1 equivalent on international spend plus 1 additional Qantas Point per whole AU$1 on selected Qantas spend | 104,000 | <ul> <li>Up to 80,000 bonus Qantas Points</li> <li>$349 first year annual fee</li> </ul> | Find out more & Apply |
 Westpac Altitude Qantas Black | Westpac is offering up to 150,000 bonus Qantas Points + 50 Status Credits for new cardholders of the Westpac Altitude Qantas Black. New cardholders will receive 90,000 Qantas Points + 50 Status Credits when you spend $6,000 or more on eligible purchases within 90 days of approval and an additional 60,000 Qantas Points after spending $6,000 on eligible purchases within 90 days of card anniversary in year 2. This card also earns up to 1.5 Qantas Points per $1 spent on eligible purchases, and includes two Qantas Club Complimentary Lounge Invitations each year plus complimentary international travel insurance. The annual card fee is $295, plus a $155 Qantas Rewards program fee. Offer ends 25 Mar 35 | $6,000 | $450 | Earn 1.5 Qantas Points per $1 on international transactions, 0.8 Qantas Points per $1 on everyday spend, and 0.4 Qantas Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.25 Qantas Points per $1 thereafter | 109,200 | <ul> <li>Up to 150,000 Qantas Points</li> <li>50 Qantas Status Credits</li> <li>2 Qantas Club Complimentary Lounge Invitations each year</li> <li>Complimentary insurances</li> </ul> | Offer Currently Not Available |
 Westpac Altitude Velocity Black | Get up to 150,000 Velocity Points with the Westpac Altitude Velocity Black card. Receive 90,000 Velocity Points when you spend $6,000 or more on eligible purchases within 90 days of approval and an additional 60,000 Velocity Points after spending $6,000 on eligible purchases within 90 days of card anniversary in year 2.
Offer ends 30 Apr 35 | $6,000 | $450 | Earn 1.2 Velocity Points per $1 on international transactions, 0.8 Velocity Points per $1 on everyday spend, and 0.5 Velocity Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.25 Velocity Points per $1 thereafter | 109,200 | <ul> <li>Up to 150,000 Velocity Points</li> <li>2 Virgin Australia Domestic Lounge invites</li> <li>Complimentary insurances</li> </ul> | Offer Currently Not Available |
Your Trusted Guide to Australia's Top Loyalty Programs
3 Simple Steps To Unlock Bonus Points
1. Effortless application
2. Shop and earn
3. Enjoy long-term rewards
FAQs
Do I need to fly often to benefit from a rewards card?
Not at all! These cards are designed for everyday earners. Whether you’re buying groceries, shopping online, or paying bills — it all adds up.
What are sign-up bonuses and how do I get them?
Sign-up bonuses are large point rewards for new customers. Simply meet the minimum spend requirement (e.g. $3,000 in 90 days) and the points are yours.
Can I have more than one rewards card?
Yes, many people hold multiple cards to stack bonuses and maximise their earn rate. Just ensure you’re managing them responsibly.
Is it worth paying the annual fee?
Yes — if the perks outweigh the cost. We’ve broken it down per card so you can easily compare the value and decide what works best for you.
How do I check if I’m eligible?
Each credit card provider has its own eligibility criteria. We’ve included links and guides to help you quickly check your chances before applying.
Are these offers exclusive to Point Hacks?
Some are exclusive, others are the best public deals. Either way, our team only features offers we believe deliver strong value.