Australian points-earning credit cards

Annual fee

$1,450

Sign-up bonus

200,000 pts$5,000 / 90d

Network

Amex

Charge card. Earns Amex Membership Rewards directly. Confirmed on official Amex AU Platinum comparison page: up to 2.25 Membership Rewards points per A$1 on eligible everyday purchases; 1 point per A$1 on purchases at government bodies in Australia. No cap on points earned (account must be current and in good standing). Points transferable to airline/hotel partners. Sign-up bonus 200,000 Membership Rewards points for new Card Members who apply online by 25 August 2026, are approved, and spend A$5,000+ on eligible purchases in the first 3 months.

Annual fee

$395

Sign-up bonus

—

Network

Amex

Earns Amex Membership Rewards. Confirmed on official Amex AU page: 2 Membership Rewards points per A$1 on eligible everyday purchases (excluding government bodies); 1 point per A$1 on government bodies. No published points cap. Points transferable to airline/hotel partners.

Annual fee

$375

Sign-up bonus

130,000 pts$5,000 / 90d

Network

Visa

Earns ANZ Reward Points (bank-proprietary; not in known currency list). Confirmed on official ANZ page: 2 ANZ Reward Points per A$1 on eligible purchases up to and including A$5,000 per statement period, then 1 point per A$1 above A$5,000. Total annual fee A$375 = A$320 Annual Fee + A$55 Rewards Program Service Fee.

Annual fee

$295

Sign-up bonus

100,000 pts$12,000 / 365d

Network

Mastercard

Earns Westpac Altitude Rewards points (bank-proprietary; not in known currency list). Confirmed on official Westpac page: 2 Altitude points per A$1 on everyday domestic purchases (supermarkets, department stores, petrol, dining, utilities); 3 Altitude points per A$1 on international spend; 1 point per A$1 on all other purchases. Once A$10,000 is spent in a statement cycle, 0.5 Altitude points per A$1 on further eligible purchases. Standard card fee A$295 p.a.; discounted first year A$200 new customers / A$149 existing Westpac customers.

Annual fee

$249

Sign-up bonus

—

Network

Visa

Earns Macquarie Reward Points (bank-proprietary; not in known currency list; redeemable for eGift cards / cashback). Confirmed on official Macquarie page: 2 Macquarie Reward points per A$1 spent up to and including A$10,000 per statement period, then 0.5 Macquarie Reward points per A$1 over A$10,000. Points redeemable for eGift cards or cashback into an eligible Macquarie account. Annual fee A$249 (charged on activation, then annually on the anniversary). No standing sign-up bonus advertised. Note: Macquarie's former Qantas-earning cards are discontinued; current cards earn proprietary Macquarie Rewards only.

Annual fee

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Sign-up bonus

—

Network

Amex

Business card. Earns Amex Membership Rewards directly. Confirmed on official Amex AU business benefits page: 2 Membership Rewards points per A$1 on eligible purchases; 1 point per A$1 on government spend; no cap on points. Points transferable to airline and hotel partners. Annual fee NOT shown on the official benefits page and not confirmed from an official source — left null rather than guessed (third-party sources cite A$149). Sign-up bonus not stated on the official benefits page.

Annual fee

$149

Sign-up bonus

85,000 pts$3,500 / 90d

Network

Visa

Earns ANZ Reward Points (bank-proprietary; not in known currency list; convertible to Velocity Points among other options). Confirmed on official ANZ page: 1.5 ANZ Reward Points per A$1 on eligible purchases up to and including A$2,000 per statement period, then 0.5 ANZ Reward Points per A$1 over A$2,000. Total annual fee A$149 = A$94 Annual Fee + A$55 Rewards Program Service Fee. Current promo offers a choice: Option 1 (Velocity) 60,000 bonus Velocity Points + A$50 back on A$3,500 spend in first 3 months (plus 20,000 more for holding 15+ months); Option 2 (ANZ Rewards) 85,000 extra ANZ Reward Points + A$50 back on A$3,500 spend in first 3 months (plus 40,000 more for holding 15+ months, total up to 125,000). signupBonus field reflects the ANZ Rewards option first-tranche (85,000 ANZ Reward Points).

Annual fee

$440

Sign-up bonus

—

Network

Amex

Earns Virgin Australia Velocity Points directly. Confirmed on official Amex AU page: 1.25 Velocity Points per A$1 on eligible purchases; 0.5 Velocity Points per A$1 on government spend.

Annual fee

$450

Sign-up bonus

50,000 pts$5,000 / 90d

Network

Amex

Earns Qantas Points directly. Confirmed on official Amex AU qantas-cards-comparison page: 1.25 Qantas Points per A$1 on everyday spend; once 100,000 Qantas Points are earned on the account in a calendar year the everyday earn rate reduces to 1 Qantas Point per A$1. 0.5 Qantas Points per A$1 on government bodies. Includes a A$450 annual Qantas Travel Credit. Sign-up bonus 50,000 Qantas Points on A$5,000 spend in first 3 months (offer applies to online applications approved by 28 July 2026).

Annual fee

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Sign-up bonus

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Network

Amex

Business charge card. Earns Qantas Points into a Qantas Business Rewards account (transferable to individual Qantas Frequent Flyer accounts). Confirmed on official Amex AU business benefits page: 1.25 Qantas Points per A$1 on everyday business purchases; 2 Qantas Points per A$1 on selected Qantas products and services; 0.5 Qantas Points per A$1 on government, utilities and insurance. After a total of 500,000 Qantas Points earned in a calendar year, the everyday business earn rate reduces from 1.25 to 0.75 Qantas Points per A$1. Annual fee NOT shown on the official Amex AU benefits or product page (only third-party aggregators cite A$450) — left null rather than guessed. Sign-up bonus not stated on the official benefits page (promotional and time-limited).

Annual fee

$249

Sign-up bonus

—

Network

Amex

Earns Qantas Points directly. Confirmed on official Amex AU qantas-cards page: 1 Qantas Point per A$1 on everyday card purchases; 0.5 Qantas Points per A$1 on government spend.

Annual fee

$425

Sign-up bonus

90,000 pts$5,000 / 90d

Network

Visa

Earns Qantas Points directly. Confirmed on official ANZ page: 1 Qantas Point per A$1 on eligible purchases up to and including A$7,500 per statement period, then 0.5 Qantas Points per A$1 above A$7,500. Total annual fee A$425 = A$370 Annual Fee + A$55 Rewards Program Service Fee.

Annual fee

$420

Sign-up bonus

100,000 pts$5,000 / 90d

Network

Visa

Earns Qantas Points directly. Confirmed on official NAB page: 1 Qantas Point per A$1 on everyday purchases up to A$5,000 per statement period, then 0.5 Qantas Points per A$1 from A$5,001 to A$20,000 (points capped at A$20,000 spend per statement period). Includes complimentary Qantas Frequent Flyer membership.

Annual fee

$420

Sign-up bonus

60,000 pts$9,000 / 90d

Network

Mastercard

Earns CommBank Awards points (bank-proprietary; not in known currency list) by default, with optional opt-in to earn Qantas Points instead for A$90/year. Confirmed on official CommBank page: 1 Awards point per A$1 on general purchases; 2 Awards points per A$1 at supermarkets, department stores, petrol, dining and utilities; 3 Awards points per A$1 on international transactions. All earn rates apply up to and including A$10,000 per statement period, then 0.5 Awards points per A$1. Qantas opt-in converts at 2.5 Awards points to 1 Qantas Point (0.4 / 0.8 / 1.2 Qantas Points per A$1 respectively). Monthly fee A$35, waived in any statement period with A$4,000+ spend (so up to A$420/year if threshold never met).

Annual fee

$195

Sign-up bonus

80,000 pts$3,000 / 90d

Network

Visa

Earns NAB Rewards Points (bank-proprietary; not in known currency list; transferable to airline partners incl. Velocity at 2:1). Confirmed on official NAB page: 1 NAB Rewards Point per A$1 on everyday purchases; 1.5 NAB Rewards Points per A$1 at eligible grocery stores; 2 NAB Rewards Points per A$1 on purchases made online with Webjet. No monthly points cap. Annual fee A$195 p.a. Sign-up bonus 80,000 bonus points on A$3,000 everyday-purchases spend within the first 90 days, plus 20,000 more for keeping the card over 12 months (total up to 100,000). Bonus not available to customers who held any personal NAB Rewards credit card within the previous 24 months.

Annual fee

$499

Sign-up bonus

—

Network

Visa

Earns Star Alliance Points (alliance-proprietary; not in known currency list). Confirmed on official HSBC AU page: 1 Star Alliance Point per A$1 on eligible purchases up to A$3,000 per statement period, then 0.5 Star Alliance Points per A$1 thereafter (uncapped total). Star Alliance Points are redeemable across 7 participating Star Alliance frequent flyer programs (programs not individually listed on the official page; named partners commonly cited include Air Canada Aeroplan, Air New Zealand Airpoints, EVA Air, Singapore Airlines KrisFlyer, South African Airways, Thai Airways, United MileagePlus). Annual fee A$0 first year, then A$499. Welcome offer: fast-track to Star Alliance Gold Status in year one when you spend A$4,000+ on eligible purchases in the first 90 days (status benefit, not a points bonus).

Annual fee

—

Sign-up bonus

—

Network

Amex

Business charge card. Earns Qantas Points directly. Confirmed on official Amex AU business benefits page: 1 Qantas Point per A$1 on everyday business spend; 2 Qantas Points per A$1 on selected Qantas products and services; 0.5 Qantas Points per A$1 on government, utilities and insurance. Annual card fee NOT shown on the official Amex AU benefits or product page (only third-party aggregators cite A$450) — left null rather than guessed. Sign-up bonus not stated on the official benefits page.

Annual fee

$370

Sign-up bonus

90,000 pts$6,000 / 90d

Network

Mastercard

Earns Qantas Points directly. Confirmed on official Westpac page: 0.8 Qantas Points per A$1 on everyday domestic spend; 1.2 Qantas Points per A$1 on international spend; 0.5 Qantas Points per A$1 on all other eligible purchases, reduced to 0.25 per A$1 after A$10,000 spend in a statement period. Fees: A$295 card fee + A$75 rewards program fee = A$370 p.a. Sign-up bonus up to 150,000 bonus Qantas Points: 90,000 on A$6,000+ eligible spend within 90 days of approval, plus 60,000 on A$6,000+ eligible spend within 90 days of the year-2 card anniversary.

Annual fee

$0

Sign-up bonus

—

Network

Amex

Earns Qantas Points directly. Confirmed on official Amex AU qantas-cards page: 0.75 Qantas Points per A$1 on everyday card purchases; 0.5 Qantas Points per A$1 on government spend. No annual fee (A$0 p.a.).

Annual fee

$295

Sign-up bonus

75,000 pts$2,500 / 90d

Network

Visa

Earns Qantas Points directly to your Qantas Frequent Flyer account. Confirmed on official ANZ page: 0.75 Qantas Points per A$1 on eligible purchases up to and including A$3,000 per statement period, then 0.5 Qantas Points per A$1 over A$3,000. Total annual fee A$295 = A$240 Annual Fee + A$55 Rewards Program Service Fee. Sign-up bonus 75,000 bonus Qantas Points + A$100 back when you spend A$2,500 on eligible purchases in the first 3 months from approval.