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.

If you wish to speak to someone: Contact Us or Enquiry Line: +61 (0) 2 91912624

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 Card18.74% p.a$79Starting from $1,000NoNo20.74% p.a0.99% p.a. for 6 months18.74% 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.1.9% p.a. (9 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 1.9% p.a. for the first 12 months, reverting to the cash advance rate of 20.99% p.a. after 12 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

HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card

Visa Card20.99% p.aAnnual fee $199Minimum $6,000YesNo21.99% p.a0% p.a (6 months) 21.99% p.a20.99% p.a.Rewards

Rewards

1. 2 Qantas Frequent Flyer points for every $1 spent on eligible purchases overseas
2. 1 Qantas Frequent Flyer point for every $1 spent on eligible purchases in Australia
3. 2 Complimentary invitations to the Qantas Club lounge every year

HSBC Platinum Qantas Credit Card
The HSBC Platinum Qantas Credit Card offers you a great range of Qantas rewards and travel privileges. It's the finer things in life that make being a Visa Platinum cardholder unique. You will get 20,000 Qantas Frequent Flyer points when you apply.Visa Platinum is your connection to experiences that money-can't-buy. Be it backstage passes, tickets to gallery openings or your own concierge service, we have a range of special privileges and offers just for you. The list of benefits of Platinum Privileges is endless. DETAIL INFORMATION >>Services

Services

As a Qantas Frequent Flyer member you'll get:
2 Qantas Frequent Flyer points for every $1 spent on eligible purchases overseas
1 Qantas Frequent Flyer point for every $1 spent on eligible purchases in Australia


Advantages

Advantages

1. 20,000 Qantas Frequent Flyer points when you apply, are approved and conduct an eligible purchase within 3 months of applying
2. 0% p.a. balance transfer for 6 months from non-HSBC credit cards on application (reverting to the cash advance rate of 21.99% p.a. and subject to change)
3. Qantas Club lounge passes every year at no extra cost
4. Insurance package available including Extended Warranty, Purchase Protection, Guaranteed Pricing, Transit Accident and International Travel Insurance
5. Additional cardholder fee $0


Disadvantages

Disadvantages

1. Annual fee $199
2. You must be over 18 years of age, have a good credit rating, be a permanent Australian resident, earning more than $60,000 p.a. (before tax) when applying for the HSBC Platinum Qantas Card.
 

Bankwest More MasterCard
Bankwest More MasterCard

Mastercard19.49% (variable)$130 p.a.$6K minimumYesNo21.99%0% (First 6 months)1% (First 6 months)Rewards

Rewards

Bankwest More Rewards may include the following types of Rewards: 
1. Travel Rewards Vouchers
2. Reward Vouchers
3. Merchandise
4. Charitable donations
5. Cashback into a Bankwest account
6. Earn 2 catalogue reward points for every $1 spent

Bankwest More MasterCard
More MasterCard with More Rewards! If you’re looking for a credit card that rewards you for doing your every day shopping then look no further! With the Bankwest More MasterCard you earn points every time you spend, and with an extensive range of over 3,000 rewards, cash back options and travel partners there really is something for everyone. You can get classic, gold and platinum options. 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

1. Over 3,000 rewards to choose from
2. Application takes only minutes to complete!
3. Immediate response
4. 100% secure application process
5. Additional credit card protection available


Advantages

Advantages

Classic:
1. 1.00% p.a intro purchase rate for 6 months
2. New Classic credit card customers can earn 4,000 More Rewards Bonus Points^
3. Earn 1.5 More Rewards Points per $1 on eligible purchases
4. 4.99% p.a. balance transfer rate for 9 months – new Bankwest credit card customers only 5. Earn points even faster by having up to 3 free additional cardholders
6. MasterCard PayPass™ card. Tap & Go™!
 
Gold:
If you qualify for a Gold card, you’ll enjoy all the benefits of Classic plus:
1. New Gold credit card customers can earn 8,000 More Rewards Bonus Points^
2. Earn 1.5 More Rewards points per $1 on eligible purchases
3. Automatic airline travel and accident insurance when you use your card to pay for tickets 4. Three months free protection against loss, theft or accidental damage on any goods you buy with your card
5. Up to 12 months extra warranty on top of the manufacturer’s warranty
6. Great offers and discounts through MasterCard Moments®
 
Platinum:
Qualify for Platinum, and you’ll enjoy the Gold benefits plus:
1. New Platinum credit card customers can earn 16,000 More Rewards Bonus Points^
2. Earn 2 More Rewards points per $1 on eligible purchases
3. Higher levels of airline travel and accident insurance cover than our Gold card
4. 24/7 concierge hotline to help you arrange travel, entertainment, shopping and medical services
5. No foreign exchange fee


Disadvantages

Disadvantages

1. Annual Fees Apply
2. Foreign Transaction Fee (waived for Platinum cardholders)
3. Cash Advance Fee
4. Dishonour Fee

Emirates Citi Platinum Card
Emirates Citi Platinum Card

Mastercard20.99% p.a.$229 p.aUp to $100,000NoNo21.24% p.a.2.9% p.a (12 months) 20.74% p.a20.99% p.a.Rewards

Rewards

Pick between a variety of rewards from the great Citi Miles Programme to the Citi World Privileges package where you can get up to 25% off.

Emirates Citi Platinum Card
Rewards begin here! Fly with Emirates in luxury with rewards points gained through your usual shopping. There are more than a few perks that come with the Emirates Citi Plantinum Card. Enjoy the 12 month introductory interest rate at 2.9% and make use of a chauffeur and 25% off retail outlets with Citi World Privileges. 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. DETAIL INFORMATION >>Services

Services

Why not make use of the chauffeur service or the complimentary lounge pass?


Advantages

Advantages

1.You get an introductory rate of 2.9% p.a. for 12 months.
2.With a maximum credit limit of $100,000 you will have access to more than enough credit.
3.You are entitled to lots of benefits such as a chauffer driven trip to the airport and a complimentary lounge pass.
4.Redeem your earned points on Skyward Miles.
5.You get complimentary access to the Marhaba Airport Lounge in Dubaiwith your card.


Disadvantages

Disadvantages

1.This card holds a $229 yearly fee.
2.You must have an income of $50,000 or over to apply.
3.You will not be accepted if you are not over 18.
4.You will not be accepted if you are under the age of 18.
5.You must have a good credit rating.

If you wish to speak to someone: Contact Us or Enquiry Line: +61 (0) 2 91912624

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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.

Reward Credit Cards Information

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Reward Credit Cards Gallery

ANZ Frequent Flyer ClassicANZ Frequent Flyer Classic Reward Credit CardBankwest More MasterCardBankwest More MasterCard Reward Credit CardBOQ Gold Credit CardBOQ Gold Credit Card Reward Credit CardBOQ Platinum Credit CardBOQ Platinum Credit Card Reward Credit CardCiti Gold CardCiti Gold Card Reward Credit CardCiti PlatinumCiti Platinum Reward Credit CardCiti Select Credit CardCiti Select Credit Card Reward Credit CardCitibank Silver CardCitibank Silver Card Reward Credit CardEmirates Citi Platinum CardEmirates Citi Platinum Card Reward Credit CardHSBC Platinum Qantas Credit CardHSBC Platinum Qantas Credit Card Reward Credit CardIMB Gold Rewards MasterCardIMB Gold Rewards MasterCard Reward Credit CardSt.George Amplify Credit CardSt.George Amplify Credit Card Reward Credit CardSuncorp Bank Clear Options PlatinumSuncorp Bank Clear Options Platinum Reward Credit CardSuncorp Clear Options Gold Credit CardSuncorp Clear Options Gold Credit Card Reward Credit CardSuncorp Clear Options Plus CardSuncorp Clear Options Plus Card Reward Credit CardThe Heritage Classic RewardsThe Heritage Classic Rewards Reward Credit CardVirgin Australia Velocity Flyer CardVirgin Australia Velocity Flyer Card Reward Credit CardWoolworths Everyday Money Credit CardWoolworths Everyday Money Credit Card Reward Credit CardWoolworths Everyday Rewards Qantas credit cardWoolworths Everyday Rewards Qantas credit card Reward Credit Card

Reward Credit Card Reviews

The Heritage Classic Rewards Reward Credit Card Review

Reward Credit Cards - Latest News News and Charts

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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Why Get a Reward Credit Card?

22 September 2011
Which Way to Pay

Most of us have a credit card. It’s a great way to borrow money, with competitive interest rates, international acceptance, protection when shopping online and many other perks. But have you ever considered what you could get with a reward credit card? These cards allow you to collect points as you spend, the more you put on the card, the more points you get.

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