Points per $1 Everyday spend For Velocity Frequent Flyers, this card offers a compelling set of benefits and perks. The points-earning potential is significant, with a high base earn rate on standard card purchases (lower rate applies on government spend) and an accelerated rate on spending with Virgin Australia. Eligible Cardholders can also earn up to 100 Velocity Status Credits each year – 50 when you spend $25k on eligible purchases each Membership year and 50 more when you spend another $25k in the same Membership year (T&Cs apply). The Card also offers complimentary domestic lounge access every time you fly domestically with Virgin Australia (at selected domestic airports, enrolment required, T&Cs apply), with two single entry VA Guest Lounge Passes each Membership year to treat friends or family when travelling with you on a domestic Virgin Australia flight (selected domestic airports. T&Cs apply.) Just make sure you’re making the most of the perks to offset the $440 annual card fee.  Pros - Earn Velocity Points for eligible spend
- Get bonus points when you sign up
- Complimentary Travel Insurance (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Complimentary domestic Virgin Australia Return Flight each anniversary year (Subject to availability, T&Cs apply)
- Complimentary domestic lounge access every time you fly domestically with Virgin Australia (At selected domestic airports. Enrolment required. T&Cs apply)
- Up to 100 Bonus Velocity Status Credits each year (T&Cs apply)
 Cons - High interest rate on purchases
- No pre-set card limit could cause overspending
 Additional information - Card Type: American Express
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Points per $1 Everyday spend The American Express® Platinum Card is iconic. The $1,450 annual card fee is not cheap but is arguably well worth it. There’s massive points-earning potential, both for everyday spend and welcome bonus points if you qualify. You can transfer your points to over 10 major Airline Reward Partner Programs, including Qantas Frequent Flyer and Virgin Australia Velocity Frequent Flyer. Card Members get a $450 Travel Credit each year to use on eligible bookings with the Platinum Travel Service or American Express Travel Online, plus up to $400 as a Global Dining Credit to spend at over 2,000 participating restaurants in 20 countries (enrolment required, T&Cs apply, benefit ends 31 December 2025). All that’s on top of the various other travel, shopping and entertainment perks, making this card a pretty compelling proposition overall. Pros - Complimentary Travel Insurance (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Up to $400 Global Dining Credit (T&Cs apply)
- Access to 1400+ Airport Lounges (T&Cs apply)
- $450 Travel Credit each year (T&Cs apply)
Cons - High annual fee
- High foreign exchange fees
Additional information - Card Type: American Express
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Points per $1 Everyday spend It’s called Ultimate because this is the top-tier Qantas Card from American Express. What do you get for the $450 annual fee? Well, there’s a $450 Annual Qantas Travel Credit for starters. You can use that on eligible domestic or international Qantas flights each year when booked through American Express Travel (T&Cs apply). You also get uncapped Qantas point earning potential, with the earn rate per $1 varying depending on how you spend. The Card offers a host of other travel perks, plus up to four additional cards for family members or friends, at no extra fee. Pros - Complimentary Travel Insurance when you pay for your return trip on your Card (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Get welcome bonus Points (eligibility criteria, T&Cs apply, New Amex Members only)
- $450 Annual Qantas Travel Credit (T&Cs apply)
- Earn Qantas points for eligible spending (T&Cs apply)
Cons - High interest rate on purchases
- High annual fee
- High foreign exchange fees
Additional information - Card Type: American Express
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Points per $1 Everyday spend This Card is worth considering if you want frequent flyer perks and the option to use your points at multiple airlines – in fact, you can transfer your points to over 10 major Airline Reward Partner Programs. The annual fee is $395, but you get $400 back as a travel credit to spend on eligible domestic and international flights, hotels or car hire with American Express Travel. Complimentary domestic and international Travel Insurance (when you purchase a return trip on your Card), plus two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport add to the appeal. Be sure to read the benefit T&Cs carefully to make sure you can take advantage. Pros - Get welcome bonus Points (eligibility criteria, T&Cs apply, New Amex Card Members only)
- Complimentary Travel Insurance when you purchase a return trip on your Card (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Earn Membership Rewards® Points for eligible spend (T&Cs apply)
- $400 Annual Travel Credit (T&Cs apply)
Cons - High foreign exchange fees
- High interest rate on purchases
Additional information - Card Type: American Express
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Points per $1 Everyday spend Intro annual fee Then $499 p.a. Up to 55 interest free days This unique card is linked to Star Alliance rather than the airline. You need to choose which airline you want your points to go to when you sign up and there are plenty of them, (excluding Qantas). This card is more about perks than points but you get both. Get fast-tracked to gold status (minimum spend required), meaning priority and extra baggage, priority waitlists and global lounge access. You’ll need to spend at least $60k a year for Gold status. Travel insurance included. Points are limited but still there. Pros - Complimentary Travel Insurance
- Earn reward points for eligible spend
- No annual fee in first year
- Lounge access
- Long interest-free balance transfer
Cons - High annual fee
- High foreign exchange fees
- High minimum credit limit
- Balance transfer fee applies
- High revert rate after balance transfer offer
Additional information |
Points per $1 Everyday spend For Velocity Frequent Flyers, this card offers a compelling set of benefits and perks. The points-earning potential is significant, with a high base earn rate on standard card purchases (lower rate applies on government spend) and an accelerated rate on spending with Virgin Australia. Eligible Cardholders can also earn up to 100 Velocity Status Credits each year – 50 when you spend $25k on eligible purchases each Membership year and 50 more when you spend another $25k in the same Membership year (T&Cs apply). The Card also offers complimentary domestic lounge access every time you fly domestically with Virgin Australia (at selected domestic airports, enrolment required, T&Cs apply), with two single entry VA Guest Lounge Passes each Membership year to treat friends or family when travelling with you on a domestic Virgin Australia flight (selected domestic airports. T&Cs apply.) Just make sure you’re making the most of the perks to offset the $440 annual card fee. Pros - Earn Velocity Points for eligible spend
- Get bonus points when you sign up
- Complimentary Travel Insurance (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Complimentary domestic Virgin Australia Return Flight each anniversary year (Subject to availability, T&Cs apply)
- Complimentary domestic lounge access every time you fly domestically with Virgin Australia (At selected domestic airports. Enrolment required. T&Cs apply)
- Up to 100 Bonus Velocity Status Credits each year (T&Cs apply)
Cons - High interest rate on purchases
- No pre-set card limit could cause overspending
Additional information - Card Type: American Express
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Points per $1 Everyday spend The American Express® Platinum Card is iconic. The $1,450 annual card fee is not cheap but is arguably well worth it. There’s massive points-earning potential, both for everyday spend and welcome bonus points if you qualify. You can transfer your points to over 10 major Airline Reward Partner Programs, including Qantas Frequent Flyer and Virgin Australia Velocity Frequent Flyer. Card Members get a $450 Travel Credit each year to use on eligible bookings with the Platinum Travel Service or American Express Travel Online, plus up to $400 as a Global Dining Credit to spend at over 2,000 participating restaurants in 20 countries (enrolment required, T&Cs apply, benefit ends 31 December 2025). All that’s on top of the various other travel, shopping and entertainment perks, making this card a pretty compelling proposition overall. Pros - Complimentary Travel Insurance (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Up to $400 Global Dining Credit (T&Cs apply)
- Access to 1400+ Airport Lounges (T&Cs apply)
- $450 Travel Credit each year (T&Cs apply)
Cons - High annual fee
- High foreign exchange fees
Additional information - Card Type: American Express
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Points per $1 Everyday spend Up to 44 interest free days This card competes head on with the ANZ Black Rewards Card. $270 per year with the highest points earn rate (uncapped too) of a Bankwest card, but what exactly you can get for your points is not entirely clear. This level of annual fee is getting up there and remember you will need to get at least that $270 back in gift cards to make it worthwhile. Insurance is included which sweetens a not overly inspiring deal. Pros - High rewards point earn rate
- Zero foreign exchange fees
- Complimentary Travel Insurance
- Lounge access
Cons - High annual fee
- High interest rate on purchases
- Expensive for cash advances
- High minimum credit limit
Additional information |
Points per $1 Everyday spend It’s called Ultimate because this is the top-tier Qantas Card from American Express. What do you get for the $450 annual fee? Well, there’s a $450 Annual Qantas Travel Credit for starters. You can use that on eligible domestic or international Qantas flights each year when booked through American Express Travel (T&Cs apply). You also get uncapped Qantas point earning potential, with the earn rate per $1 varying depending on how you spend. The Card offers a host of other travel perks, plus up to four additional cards for family members or friends, at no extra fee. Pros - Complimentary Travel Insurance when you pay for your return trip on your Card (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Get welcome bonus Points (eligibility criteria, T&Cs apply, New Amex Members only)
- $450 Annual Qantas Travel Credit (T&Cs apply)
- Earn Qantas points for eligible spending (T&Cs apply)
Cons - High interest rate on purchases
- High annual fee
- High foreign exchange fees
Additional information - Card Type: American Express
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Points per $1 Everyday spend Up to 44 interest free days The most expensive MasterCard in Australia. $1,200 annual fee but with a whopping 150,000 sign on bonus. 1.25 Qantas points per dollar spent is about as good as an earn rate gets. 20% p.a. extra status credits and 4x lounge passes annually (2x Qantas Club, 2x Qantas First Class). 10% off Qantas-operated flights for 2 adults, 2 children and 2 infants, twice per year. Insurance included. You could justify the annual fee with all that. Bear in mind you will need to earn at least $200K a year to qualify for this card. $15k minimum limit. 20.99% p.a. interest. Pros - Earn uncapped Qantas points
- Get discounts on flights
- Receive bonus status credits
- Complimentary Travel Insurance
- Lounge access
Cons - High annual fee
- High interest rate on purchases
- High revert rate after balance transfer offer
- Fee applies for additional cards
Additional information |
Points per $1 Everyday spend Intro annual fee Then $199 p.a. Up to 55 interest free days This platinum card offers rewards, travel insurance and 0.00% p.a. balance transfer for 12 months albeit with a 2% fee. No card fee in the first year and then $149 thereafter which is about in the middle of the road for this kind of card. Travel insurance and two lounge passes may get you over the line for this card. A rewards program helps, but details about it are limited until you sign up so don’t rely on that being the icing on the cake when you apply. Pros - Long interest-free balance transfer
- Complimentary Travel Insurance
- High rewards point earn rate
- No annual fee in first year
Cons - High revert rate after balance transfer offer
- Expensive for cash advances
- Balance transfer fee applies
Additional information |
Points per $1 Everyday spend Up to 44 interest free days The $249 annual fee is on the steeper side, but the points earn rate you get is decent – 1 point per $1 on just about everything (excluding spending with the government) and double that for Qantas spend. Two lounge passes (if that’s your thing) and travel insurance could cover your annual fee depending on your usage. It’s certainly not a bad option but is all that worth $249 per year? Only you can decide. Pros - Earn Qantas points for spending
- Get bonus points when you sign up
- Lounge access
- Purchase protection insurance
Cons - High interest rate on purchases
- High annual fee
- High foreign exchange fees
Additional information - Card Type: American Express
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Points per $1 Everyday spend Intro annual fee Then $295 p.a. Up to 55 interest free days A step up from the Platinum version of the card, but with a $124 annual fee ($49 in year one) annual fee. There’s 100,000 sign on bonus on offer if you spend the required amount. Those points are worth around $450, so in year one your benefit is $476. Not bad BUT if you keep it for a year and spend the average of about $30,000 and don't revolve a balance or use it overseas, you'll earn 45,000 points, which is worth about $200 and pay $124 for the privilege. Complimentary travel insurance and lounge passes could help make up the difference. Pros - High rewards point earn rate
- Get bonus points when you sign up
- Complimentary Travel Insurance
- Lounge access
Cons - High interest rate on purchases
- High annual fee
- High minimum credit limit
Additional information |
Points per $1 Everyday spend Intro annual fee Then $295 p.a. Up to 55 interest free days You get 150,000 Amplify points (worth $675 in gift cards) but you'll pay an annual fee of $199 in the first year, making it a $476 benefit. In year two the annual fee jumps to $295. Ongoing points reward earn rate is 1.5 per dollar spent on eligible purchases which is not bad. Those points are uncapped too which is another plus. You get all the insurances you expect with a rewards card, plus two lounge passes per year. Overall it’s a decent package. The minimum credit limit of $15k is pretty high and gives you an idea of the target market. Pros - High rewards point earn rate
- Get bonus points when you sign up
- Long interest-free balance transfer
- Complimentary Travel Insurance
- Lounge access
Cons - Balance transfer fee applies
- High interest rate on purchases
- High revert rate after balance transfer offer
- High annual fee
- High minimum credit limit
Additional information |
Points per $1 Everyday spend Intro annual fee Then $295 p.a. Up to 45 interest free days If you don't like Qantas and prefer Virgin, Singapore Airlines or converting points for toasters, this card offers all of those things. Weirdly, you can earn 6 points per dollar with Qantas but you can’t send the points there. Normally this card is $295 a year but it’s only $200 in the first year as part of a speical sign up offer which also includes a bagful of bonus points. Some of those bonus points are deferred until year two with the cards at which point you'll be paying full wack for the annual fee so keep that in mind. Pros - High rewards point earn rate
- Get bonus points when you sign up
- Complimentary Travel Insurance
- Lounge access
- Fraud protection
Cons - High annual fee
- High foreign exchange fees
- Expensive for cash advances
- High minimum credit limit
Additional information |
Points per $1 Everyday spend Intro annual fee Then $295 p.a. Up to 55 interest free days A step up from the Platinum version of the card, but with a $295 annual fee ($199 in year one). There’s 150,000 sign on bonus on offer if you spend the required amount. Those points are worth around $675, so in year one your benefit is $476. Not bad BUT if you keep it for a year and spend the average of about $30,000 and don't revolve a balance, or use it overseas, you'll earn 45,000 points, which is worth about $200 and pay $295 for the privilege. Complimentary travel insurance and lounge passes could help make up the difference. Pros - High rewards point earn rate
- Get bonus points when you sign up
- Long interest-free balance transfer
- Complimentary Travel Insurance
- Lounge access
Cons - Balance transfer fee applies
- High interest rate on purchases
- High revert rate after balance transfer offer
- High annual fee
- High minimum credit limit
Additional information |
Points per $1 Everyday spend Intro annual fee Then $295 p.a. Up to 55 interest free days This card delivers solid retail and travel benefits. Unsurprisingly, most of the retail perks relate to David Jones and some will only kick in if you spend money there (complimentary gift wrapping is an example) so bear that in mind. You get 4 points per $1 spent at David Jones, 3 points per $1 at partnered supermarkets and petrol stations and 1 point per $1 elsewhere. Extras like complimentary lounge access and travel insurance add value for frequent travellers. For a limited time, the $295 annual fee is waived in the first year if conditions are met, which will keep the cost down initially at least. What certainly won’t keep costs down is the 23.99% p.a. interest rate on purchases after the maximum 55 interest-free days. If you are not disciplined with repayments, this could become very expensive. The finance on the card is provided through Latitude Finance Australia. Pros - Slew of benefits for David Jones shoppers
- Complimentary Travel Insurance
- No fee for extra cards for family members or friends
Cons - High interest rate on purchases
- High minimum credit limit
Additional information |
Points per $1 Everyday spend Intro annual fee Then $295 p.a. Up to 55 interest free days $295 a year for this one, but you can get 90,000 points if you sign up and hit the minimum spend. If you spend $2 you’ll get 1.5 points which is okay-ish. Points max out at $250k in the year . This card requires a minimum $15k limit with a 3% fee on foreign transactions which is on the high side. There’s insurance included and you can hang out in the lounge with two passes included per year. Drag out the payments for 25 days after the end of the statement period (up to 55 days interest-free) Pros - Earn Qantas points for spending
- Get bonus points when you sign up
- Long interest-free balance transfer
- Complimentary Travel Insurance
- Lounge access
Cons - Balance transfer fee applies
- Rewards membership fee applies
- High interest rate on purchases
- High revert rate after balance transfer offer
- High annual fee
Additional information |
Points per $1 Everyday spend Up to 55 interest free days $370 a year for this one, but you can get 80,000 points if you sign up and hit the minimum spend. Speaking of which, if you spend $2 you’ll get 1.5 points which is okay-ish. Points max out at $250k in the year but if you're spending that much then you will probably have an Amex Platinum Card anyway. This card requires a minimum $15k limit with a 3% fee on foreign transactions which is on the high side. There’s insurance included and you can hang out in the lounge with two passes included per year. Pros - Earn Qantas points for spending
- Get bonus points when you sign up
- Complimentary Travel Insurance
- Lounge access
Cons - Rewards membership fee applies
- High interest rate on purchases
- High annual fee
Additional information |
Points per $1 Everyday spend Up to 55 interest free days This card is ‘the hamburger with the lot’ for St.George. $295 for the card, plus $75 for the Qantas Rewards Program puts this well up there. But that gets you 90,000 points when you spend $6k in the first 90 days. You also get a slightly higher points earn rate than the Platinum option at 0.75 points per dollar for regular purchases. The insurance that’s included and lounge passes make this a better deal. Up to 55 interest-free days is good for a Qantas-linked card. The interest rate is high as you would expect on a point-earning card Pros - Earn Qantas points for spending
- Get bonus points when you sign up
- Long interest-free balance transfer
- Complimentary Travel Insurance
- Lounge access
Cons - Balance transfer fee applies
- Rewards membership fee applies
- High interest rate on purchases
- High revert rate after balance transfer offer
- High annual fee
Additional information |
Points per $1 Everyday spend Intro annual fee Then $295 p.a. Up to 45 interest free days This is top of the heap when it comes to Qantas points earning cards with Westpac. Up to 120,000 points for signing up (90K up-front and the rest next year so that you keep the card and pay two annual fees which is a common tactic by providers). Spend $6k in 90 days to qualify for the sign up deal. But I would take a serious look at the Platinum version of this card if you’re looking to really maximise value for money on a Westpac card. Pros - High rewards point earn rate
- Get bonus points when you sign up
- Complimentary Travel Insurance
- Lounge access
- Fraud protection
Cons - High interest rate on purchases
- High annual fee
- High foreign exchange fees
- Expensive for cash advances
- High minimum credit limit
- Rewards membership fee applies
Additional information |
Points per $1 Everyday spend Up to 45 interest free days 120,000 Velocity points spread over two years (90K and 30K in year 2). This is done so that you will pay two annual fees. In other words if you don’t keep the card for the second year, you forgo the 30K. That’s your call. You will need to spend $6k in 90 days to trigger the bonus. Lots of insurance but only 45 days (15 days to pay) which is tighter than many other cards. The discounted annual fee also returns to the full $295 in year two. Pros - High rewards point earn rate
- Get bonus points when you sign up
- Complimentary Travel Insurance
- Lounge access
- Fraud protection
- Earn reward points for eligible spend
Cons - High annual fee
- High foreign exchange fees
- Expensive for cash advances
- High minimum credit limit
- Rewards membership fee applies
Additional information |
Points per $1 Everyday spend Up to 44 interest free days 80,000 points sign-on bonus paid over two months with a $3.5k spend each month. Fairly doable for a premium card customer. Balance transfer offer is 12 months at 0% p.a. but avoid new purchases with that, as you will have no interest-free days until the existing balance is repaid. Travel insurance and car rental insurance in Australia. That could save you hundreds. Extended warranty is included too. Points earn rate is decent. $129 annual travel credit and lounge passes too. They have really thrown everything at this, all for a $329 annual fee. Pros - Earn Velocity points for spending
- Get bonus points when you sign up
- Complimentary Travel Insurance
- Lounge access
Cons - High interest rate on purchases
- High foreign exchange fees
- Expensive for cash advances
Additional information |
Points per $1 Everyday spend This Card is worth considering if you want frequent flyer perks and the option to use your points at multiple airlines – in fact, you can transfer your points to over 10 major Airline Reward Partner Programs. The annual fee is $395, but you get $400 back as a travel credit to spend on eligible domestic and international flights, hotels or car hire with American Express Travel. Complimentary domestic and international Travel Insurance (when you purchase a return trip on your Card), plus two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport add to the appeal. Be sure to read the benefit T&Cs carefully to make sure you can take advantage. Pros - Get welcome bonus Points (eligibility criteria, T&Cs apply, New Amex Card Members only)
- Complimentary Travel Insurance when you purchase a return trip on your Card (terms, conditions & exclusions apply, such as maximum age-limits, pre-existing medical conditions and cover limits)
- Earn Membership Rewards® Points for eligible spend (T&Cs apply)
- $400 Annual Travel Credit (T&Cs apply)
Cons - High foreign exchange fees
- High interest rate on purchases
Additional information - Card Type: American Express
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