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 |
|---|---|---|---|---|---|---|---|
 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 |
 MyCard Premier Credit Card (Velocity) | Earn 60,000 bonus Velocity Points via Autoredemption (converted from 180K MyCard Reward Points) with a MyCard Premier Credit Card when you spend $7,000 on eligible purchases within 90 days from approval, and an additional 40,000 bonus Velocity Points (converted from 120K MyCard Reward Points) if you keep your card open for over 12 months.⁹ Automatically transfer myCard Reward Points to Velocity Frequent Flyer Points each month with Autoredemption. Get 0% p.a. for 6 months on balance transfers, a 3% BT fee applies. Balance transfer must be applied for during card application and Balance Transfer rate reverts to Cash Advance rate after the promotional period.¹⁰ Offer ends 30 Apr 35 | $7,000 | $300 | 2 MyCard reward points per $1 on Eligible Transactions made overseas or online with a merchant that is based overseas, 2 MyCard reward points per $1 on Eligible Transactions made directly with supermarkets or petrol outlets, 1.5 MyCard reward points per $1 on Eligible Transactions | 36,000 | <ul> <li>This product is provided by National Australia Bank Limited</li> <li>Up to 100,000 bonus Velocity Points⁹</li> <li>Earn Citi reward Points on spend</li> <li>Complimentary airport lounge access</li> </ul> | Find out more & Apply |
 NAB Rewards Card | Enjoy up to 80,000 bonus Velocity Points when you apply for the NAB Rewards Card and spend $4,000 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 fee. Offer available to new NAB Cardholders only. T&Cs apply. Offer ends 1 Jan 35 | $4,000 | $195 | Earn 1.25 NAB Rewards Point earned per $1 spend on everyday purchases up to $5,000 Rewards Statement Period, then 0.5 NAB Rewards Points for every $1 spend, uncapped.² , Plus, 0.75 bonus NAB Rewards Points per $1 on eligible Groceries, Petrol, Public Transport and Travel spend, uncapped.² | 70,000 | <ul> <li>Up to 80,000 bonus Velocity Points</li> <li>0% p.a. on Balance Transfers for 12 months, 3% BT fee⁴</li> <li>$195 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 |
How we chose these cards
Highest bonus points offers
(as of this month)
Flexible redemptions
(no lock-in programs)
Strong lounge and travel benefits
Ideally we have something here
Excellent value per point
(min. 1.5c per pt)
Your Trusted Guide to Australia's Top Loyalty Programs
FAQs
Not at all! These cards are designed for everyday earners. Whether you’re buying groceries, shopping online, or paying bills — it all adds up.
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.
Yes, many people hold multiple cards to stack bonuses and maximise their earn rate. Just ensure you’re managing them responsibly.
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.
Each credit card provider has its own eligibility criteria. We’ve included links and guides to help you quickly check your chances before applying.
Some are exclusive, others are the best public deals. Either way, our team only features offers we believe deliver strong value.
Yes, we may receive a commission from the provider when you’re approved. This doesn’t affect the offer you receive — and it helps keep our guides free.