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Is this card worth it?

Points cards usually charge an annual fee. Pick a card and your spend to see whether the points (and any sign-up bonus) are worth more than the fee, based on how you value a point.

Calculations use your inputs. Check each tool’s supported scope and last-updated date.

2 pt/$ · fee $395

Enter your own value in the card’s source currency: American Express Membership Rewards. Bank points and airline points have different values.

Pick a card and enter your spend.

Work out your personal points value →

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. Bonus applies only after confirmed eligibility and sufficient planned spend; later retention bonuses are excluded.

Frequently asked

How should I value a point for this?
Use your personal baseline — the value you'll realistically get from the redemptions you actually make, not a best-case premium-cabin figure. Work it out first with the points-value tool, then feed that number in here.
Does it count the sign-up bonus?
Only if you explicitly confirm eligibility and your planned spend meets the recorded threshold. Unknown or later retention bonuses are excluded; actual posting time can vary.
Is a card with a fee ever worth it?
Often, if your spend and the sign-up bonus generate points worth more than the fee at your baseline value. A higher earn rate only pays off if you spend enough to outrun the fee — this tool shows you where the line is.

Related guides

Points 101: how to start earning points in Australia
Points are useful when they help pay for a trip you want, at a total cost you can accept. Start with a trip and a cash budget, then choose how to earn. You do not need a credit card, elite status or a large balance to learn the process.
What are points worth? Qantas and Velocity value explained
Compare the cash you would otherwise spend with the full cost of the reward. Published chart references and hypothetical examples show the arithmetic without assigning every point a universal value.

Estimates only — points programs change often and award availability varies. Confirm current details with the program before booking. See our methodology.