Reward Credit Cards

Below you can view a selection of reward credit cards. These reward credit cards offer a great many excellent programs that you can benefit from, without changing the way you spend. With reward credit cards you can shop online, in stores, pay in restaurants and worldwide and collect rewards for doing so! Use the chart below to compare the main benefits of each of the reward cards. What is on offer? Does the reward credit card suit your needs? What are the costs and is there an annual fee? Will you need a perfect credit score to apply? Once you have chosen one of the reward credit cards and found a suitable offer you can find out more by clicking on the More Info button. Read the terms and conditions of credit card you wish to apply for thoroughly.

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COMPANYISSUER

ISSUER

Card Issuer

APR

APR

The term annual percentage rate describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate Balance Transfer Rate: A credit card balance transfer is the transfer of the balance (the money) in a credit card account to an account held at another credit card company.

FEES

FEES

Fees included with the cards

CREDIT LIMIT

CREDIT LIMIT

The limit of credit offered to you by the credit card provider

CHIP & PIN

CHIP & PIN

Chip and Pin facility available

CASH BACK

CASH BACK

Percentage of cashback available on purchases

CASH ADVANCES

CASH ADVANCES

Cost to withdraw cash up to a certain limit

BALANCE TRANSFER

BALANCE TRANSFER

A credit card balance transfer is the transfer of the balance (the money) in a credit card account to an account held at another credit card company

NEW PURCHASE

NEW PURCHASE

A purchase rate is the interest rate charged on regular purchases put on a credit card. It differs from a cash advance rate in that it is lower because banks and issuers view regular purchases as less risky

REWARDS

REWARDS

Rewards Available

MORE INFO

St.George Amplify Credit Card
St.George  Amplify Credit Card

Visa Card19.49% p.a$79Starting from $1,000NoNo20.74% p.a0.99% p.a. for 6 months19.49% p.aRewards

Rewards

Choice of Rewards - Link your card to either Amplify Rewards or Amplify Qantas

St.George  Amplify Credit Card
The St.George Amplify Credit Card allows you to choose exactly how you want to spend the points you earn on one of their rewards credit cards. Either link your card to Amplify Rewards or Amplify Quantas. In addition to this you receive up to 55 days interest free on purchases and a 0.99% balance transfer rate up to 6 months... So start spending and the rewards will roll in! Please make sure that you read all of their terms and conditions in detail before you apply so that you thoroughly understand your obligations. DETAIL INFORMATION >>Services

Services

Use the linking service whereby you can link your card to your St.George account or apply for an additional card for a family member.


Advantages

Advantages

1. Earn points while you shop with your Amplify card
2. Choose to link your card to either Amplify Rewards or Amplify Qantas
3. 0.99% balance transfer rate for up to 6 months.
4. Up to 55 days Interest Free on Purchases.


Disadvantages

Disadvantages

1. Annual Fee is $79
2. The earning of Amplify points through the use of an Amplify Card is subject to the Amplify Rewards Terms and Conditions.
3. The earning of Qantas Frequent Flyer points through the use of an Amplify Card is subject to the Amplify Qantas Terms and Conditions

Virgin Australia Velocity Flyer Card
Virgin Australia Velocity Flyer Card

Visa Card20.99%$129 Annual FeeVariesYesNo20.99% p.a.0% p.a. (14 months)20.99% p.a.Rewards

Rewards

1. You'll earn 1 Velocity Point3 per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2 spent. Redeem your Velocity Points for more flights or other great rewards.
2. Buy a Virgin Australia domestic seat and we'll give you a complimentary seat on the same flight up to 4 times every year! Just cover the credit card booking fees. Flights subject to availability, conditions apply.
3. Enjoy up to 44 interest free days, not available if you have any outstanding balance.
4. A competitive purchase rate of 20.99% p.a.

Virgin Australia Velocity Flyer Card
If you fly with Virgin Australia, why not buy with the Virgin Australia Velocity Flyer Card from Virgin Money. The credit card with a great balance transfer rate and rewards that take off. You can earn loads of points to fly you all over the world when you spend with this card. Please make sure that you read all of their terms and conditions in detail before you apply so that you thoroughly understand your obligations. If you have any questions contact their customer support team. For more detailed information please click here. DETAIL INFORMATION >>Services

Services

Get access to all the great Virgin family offers.


Advantages

Advantages

1. Earn up to 15,000 bonus Velocity Points. Get 7,500 bonus Points when you apply for a Virgin Australia Velocity Flyer Card by 30 November and make a retail purchase within 3 months of card approval. Get an additional 7,500 bonus Points when you spend $5000 within 3 months of card approval.
2. A balance transfer rate of 0% p.a. for the first 14 months, reverting to the cash advance rate of 20.99% p.a. after 14 months.
3. Buy a Virgin Australia domestic seat and they'll give you a complimentary seat on the same flight up to 4 times every year! Just cover the credit card booking fees. Flights subject to availability, conditions apply.
4. Earn 1 Velocity Point per $1 spent up to $1,500 per month and then 1 Velocity Point for every $2 spent.
5. Enjoy up to 44 interest free days, not available if you have any outstanding balance.
For purchases of up to $100, now you can simply wave & go anywhere that has a Visa payWave sensor, making payments easy and convenient.


Disadvantages

Disadvantages

1. You must be at least 18 years of age to apply for a credit card. You must also earn at least $35,000 p.a. and have a good credit rating.
2. Annual fee of $129.
3. Late payment fees apply

BOQ Platinum Reward Credit Card
BOQ  Platinum Reward Credit Card

Visa Card20.42% p.a$199VariesYes$1,000 per day21.74% p.a3.9% p.a.20.74% p.aRewards

Rewards

With this card, Earn 2 Q Rewards Points for every $1 spent

BOQ  Platinum Reward Credit Card
For an injection of glamour, pick the BOQ Platinum Credit Card which will allow you a ready-to-serve consierge service as well as up to $1000 a day withdrawable cash advance.Not only this but this card has a great rewards system that will see you earning up to 2Q rewards points for every $1 spent. DETAIL INFORMATION >>Services

Services

A consierge service is available to you with this card.


Advantages

Advantages

1.3.9% p.a on all balance transfers.
2.A great opportunity to earn points-2Q points for every $1 spent.
3.You will gain access to a consierge service which is available to you 24 hours a day. 4.Insurance for travel and purchase protection comes with the card.
5.Withdraw up to $1,000 a day as a cash advance from a cash machine.


Disadvantages

Disadvantages

1.You must be over the age of 18.
2.20.24% p.a on retail purchases.

BOM Amplify Signature Card
BOM Amplify Signature Card

Visa CardAsk on application$279.00 p.a.Ask on applicationYesNo2% of each amount with a $2.50 minimum0% p.a for 9 months on balance transfers requested at card application.Ask on applicationRewards

Rewards

Various

BOM Amplify Signature Card
Apply now for a card with a generous and very attractive reward programme!It inculdes not only a this but also travel benefits, a pass for airport lounges and even bonus points for your birthdays.With Amplify Signature, you'll be able to earn points at our highest earn rate and enjoy uncapped points earning potential. DETAIL INFORMATION >>Services

Services

Online application Concierge Service


Advantages

Advantages

1.Two reward programmes 

2.Travel benefits 
3.Plenty of extra features


Disadvantages

Disadvantages

$279.00

BOM Amplify Platinum Card
BOM Amplify Platinum Card

Visa CardAsk on application$99.Ask on applicationYesAsk on application2% of each amount with a $2.50 minimum0% p.a for 9 monthsAsk on applicationRewards

Rewards

Amplify or Qantas Points

BOM Amplify Platinum Card
This value for money card offers you very attractive advantages! Benefit from reward points, complimentary insurances and a round the clock concierge service.There is 0% for for 9 monthson balance transfers requested at card application.Apply now online. DETAIL INFORMATION >>Services

Services

Online application, round the clock concierge service


Advantages

Advantages

1.0% p.a for 9 months on balance transfers 

2.Generous bonus points 
3.Low fee


Disadvantages

Disadvantages

Not much info on site

Westpac Altitude Platinum Card
Westpac Altitude Platinum Card

Visa Card20.24%p.a.$150 per annumOne credit limit per accountYesNo21.24% p.a. (variable)3.99% p.a. for 6 months20.24%p.aRewards

Rewards

Earn 1 Altitude point per $1 spent with your Westpac Altitude Platinum Visa card, accepted at over 35 million locations worldwide
Earn 2 Altitude points per $1 spent with your Westpac Altitude Platinum American Express® Card

Westpac Altitude Platinum Card
If you have a taste for the good life, apply for the Altitude Platinum card. Along with a range of premium benefits, you’ll receive 10,000 bonus Altitude points after your first purchase – and 0%p.a. on on purchases for 12 months. DETAIL INFORMATION >>Services

Services

Two cards linked to one account, with one monthly statement and one credit limit


Advantages

Advantages

1. Earn 1 Altitude point per $1 spent with your Westpac Altitude Platinum Visa card, accepted at over 35 million locations worldwide
2. Earn 2 Altitude points per $1 spent with your Westpac Altitude Platinum American Express® Card
3. Redeem your points (minimum 3,000 points required) for popular rewards, including Apple products, Westfield gift cards and five frequent flyer programs
4. Two cards linked to one account, with one monthly statement and one credit limit
5. A variable rate of 19.99%p.a. on purchases and an annual fee currently $150
6. A 7,500 points cap for each statement cycle, when using either or both cards
7. Your bonus 10,000 Altitude points won’t count towards the points cap
8. Complimentary overseas travel insurance cover for trips up to 3 months
9. A complimentary Concierge Service – your own personal assistant, 24/7, worldwide
10. 0%p.a. on purchases for 12 months
11. Optional Credit Card Repayment Protection, in case you lose your job or can’t work due to illness or injury.


Disadvantages

Disadvantages

1. You must earn at least $30,000 per annum

2. Please note: If this card is to be used predominately for business or investment purposes (other than investment in residential property) you'll need to apply for a business card.

Altitude Reward Credit Card
Altitude Reward Credit Card

Visa Card20.24% p.a. (variable)$100Ask on applicationNoAsk on application21.24% p.a. (variable)3.99% p.a. for 6 months20.24% p.a. (variable)Rewards

Rewards

Altitude or Quantas Points

Altitude Reward Credit Card
Two cards linked to one account - what could be more practical! Use the cards and earn Altitude or Quantas points which you can redeeem against anything you like. Benefit from contactless technology and high security. You can add a second cardholder for no extra cost. Apply now! DETAIL INFORMATION >>Services

Services

Online application and telephone support


Advantages

Advantages

1. Two cardas linkes to one account 

2. Altitude reward points 
3. Add one additional cardholder at no extra cost


Disadvantages

Disadvantages

fees apply for late payment

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Compare Reward Credit Cards

Reward Credit Card – the card with extras

With Reward Credit Cards you earn when you spend

What can I earn?

Each time you use your Reward Credit Card it will earn you points. These you can collect and later redeem. This can be done either in the form of discounts or air miles, or even cash back.

How does it work?

Bonus points are added to your reward account each time you pay with your Reward Credit Card – this is all. Furthermore, one can take advantage of certain offers by firms who are members of the reward program.

Who can get a Reward Credit Card?

The same conditions apply for a Reward Credit Card as for a traditional credit card, which are a minimum age of 18, permanent residency of Australia, a minimum income and a good credit rating.

Why apply for a Reward Credit Card?

With a Reward Credit Card one can benefit from advantages like discounts and special offers, but one still should look at different cards before applying, and check the conditions, fees and interest rates. If you browse around on this page you then can apply for your Reward Credit Card directly from here.

How can I earn rewards with my rewards credit card?

Reward credit cards are extremely popular in Australia so it is important to do your research before you commit to a particular provider. Reward credit cards are exactly that, credit cards with rewards, often GREAT rewards. You are able to earn something back when you spend. Points or rewards can be redeemed in a number of ways, from cash, discounts to air miles. Earning rewards is easy, all you need to do it use your rewards credit cards just like you would a normal credit card. The more you spend the more you earn. It is worth pointing out though, it is extremely important that you do not overspend with these cards. The interest rate is often higher than a usual credit card, so if you are not able to pay off your card in full at the end of every month, you could find that you are in serious debt very quickly. The rewards that you have made, will not outweigh the fees and charges that you could potentially incur.

Who can apply for a reward credit card?

If you are over the age of 18 years old, a resident of Australia, have a good credit rating and meet the minimum income criteria, your chances of approval for a reward credit card is high. Each provider will have their own requirements so you should always ensure you read these carefully before you apply. If you are in any doubt then it is important that you get independent financial advice before you commit to a financial product of this nature. If you do not make the monthly repayments then your credit rating will be effected.

Reward Credit Cards - Latest News News and Charts

Avoid debt when you spend on your rewards credit card and reap the rewards

18 February 2014
Which Way To Pay

If you ensure you spend wisely on your rewards credit card correctly, you could find that you earn yourself $1000s in the form of cash, points and rewards.

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Bankwest More MasterCard

24 July 2012 11:00am
Which Way to Pay

New Product! Now available for you to compare at Which Way To Pay, if you’re looking for a credit card that rewards you for doing your every day shopping then look no further!

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Want To Earn Rewards While You Spend?

08 March 2012
Which Way to Pay

A reward credit card offers a scheme whereby you can earn points as you spend which are redeemable for rewards like air miles. The more you spend, the more reward points you will collect.

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Why Get a Credit Card?

22 November 2011
Which Way to Pay

Credit cards are becoming more and more useful. As the market gets increasingly competitive, there are a plethora of benefits to be taken advantage of. Traditionally, credit cards are a great way to make your finances run smoothly. By borrowing short-term and paying off your balance on time, it’s cheap and convenient way to make sure you can always afford to pay the bills.

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What Benefits can You Get with a Credit Card?

10 October 2011
Which Way to Pay

There are many benefits of using a credit card, primarily that they are great way to borrow money short-term and keep your finances ticking over.

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