Rewards Program Credit Cards

Earn points as you spend and redeem them for flights, merchandise and more with a rewards credit card. Find out how these programs work and compare rewards credit cards here.

Rewards credit cards are designed to give you something extra for paying with plastic. These cards have the potential to add a huge amount of value to your account but often come with higher interest rates and annual fees.

If you’re considering a rewards credit card, it’s important to compare your options to make sure the benefits outweigh these costs. Here, you’ll find everything you need to know about rewards credit cards, including how they work, the different programs available and how to compare them.

Sponsorship - ANZ Travel Adventures - Rewards - PE-28212

Rewards Credit Card Offer

Earn Reward Points with the ANZ Rewards Travel Adventures card and enjoy a complimentary domestic flight each year until the card is cancelled.

  • Receive complimentary domestic return flight with Virgin Australia each year and enjoy two single entry Virgin Australia lounge passes each year until the card is cancelled when you spend $500 on eligible purchases in the first 3 months.
  • Earn 2 Reward Points for every $1 spent on eligible purchases using the ANZ Rewards Travel Adventures American Express® card and 1 Reward Point per $1 spent on eligible purchases using ANZ Rewards Travel Adventures Visa card.
  • $0 international transaction fee on purchases
  • Offer available to new and approved applicants

    Compare the Best Rewards Credit Cards*

    Rates last updated August 30th, 2016
    Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
    ANZ Rewards Travel Adventures card
    ANZ Rewards Travel Adventures card
    1 2 $225 p.a. Go to site More info
    Citi Qantas Signature Credit Card
    Citi Qantas Signature Credit Card
    70,000 bonus points 1 0 $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    HSBC Platinum Credit Card
    HSBC Platinum Credit Card
    1 0 $149 p.a. Go to site More info
    HSBC Platinum Qantas Credit Card
    HSBC Platinum Qantas Credit Card
    40,000 bonus points 1 0 $199 p.a. Go to site More info
    American Express Platinum Edge Credit Card - Exclusive Offer
    American Express Platinum Edge Credit Card - Exclusive Offer
    30,000 bonus points 0 1 $195 p.a. Go to site More info
    American Express Velocity Platinum Card
    American Express Velocity Platinum Card
    50,000 bonus points 0 1 $349 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - 0% Interest Offer
    Virgin Australia Velocity Flyer Card - 0% Interest Offer
    0.66 0 $129 p.a. Go to site More info
    American Express Essential Credit Card
    American Express Essential Credit Card
    1 $0 p.a. Go to site More info
    ANZ Frequent Flyer Platinum
    ANZ Frequent Flyer Platinum
    50,000 bonus points 0.5 1.5 $295 p.a. Go to site More info
    ANZ Rewards Platinum
    ANZ Rewards Platinum
    50,000 bonus points 1 2 $95 p.a. Go to site More info
    ANZ Rewards Black Credit Card
    ANZ Rewards Black Credit Card
    75,000 bonus points 1.25 3 $375 p.a. Go to site More info
    ANZ Frequent Flyer Black
    ANZ Frequent Flyer Black
    75,000 bonus points 0.75 1.5 $425 p.a. Go to site More info
    Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
    Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
    30,000 bonus points 1 0 $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
    American Express Qantas Discovery Card
    American Express Qantas Discovery Card
    7,500 bonus points 0 1 $0 p.a. Go to site More info

    How do credit card rewards programs work?

    Rewards credit cards usually earn you points for every $1 spent on eligible transactions. When you have enough points, you can redeem them for a wide range of rewards including flights, travel upgrades, gift cards, cash back and merchandise.

    Credit card companies often invest a lot of time and money into rewards programs, which is why rewards credit cards typically have higher standard interest rates and annual fees than other options. But you can make sure the benefits of a reward credit card are worth more than what you pay for it by comparing the potential costs against the value of the rewards program.

    What is an “eligible transaction”?

    The definition of an “eligible transaction” can vary depending on the credit card and rewards program, but it generally covers everyday transactions including spending at retail stores, supermarkets and petrol stations. Common exclusions are government payments (including those to the ATO), BPAY transactions, cash advances, balance transfers and account fees and charges. Check the rewards program terms and conditions for a full list of exclusions so you know when you will and won’t earn rewards.

    What rewards can I get with a credit card?

    How you can redeem your credit card rewards points points will vary depending on the card and the rewards program. Some of the most popular reward redemption categories include:

    • Airfares
    • Flight upgrades
    • Accommodation
    • Gift cards
    • Cash back
    • Fuel vouchers
    • Instant shopping discounts
    • Fashion items
    • Electronics
    • Tickets to concerts and other events

    How do I redeem credit card rewards?

    The steps required to use your points to redeem rewards varies depending on the credit card and the rewards program. But there are a few key factors to remember:

    • Account login. You must log in to your credit card account or rewards program account to make redemptions. Once you’re logged in, it’s usually a simple process of going to the “Rewards” section, then selecting “Use points” and following the prompts.
    • Required points. Every reward option available for redemption has a specific point value (e.g. 12,000 points for a $50 gift card). This means you need to have earned at least this amount of points to redeem your chosen reward.
    • Points-plus-pay. Some programs, such as CommBank Awards or Qantas Frequent Flyer, allow you to use a combination of points and money to redeem your chosen rewards. This gives you more flexibility if you haven’t earned enough points when you want to make redemptions.

    Types of credit card rewards programs in Australia

    There are a variety of different rewards credit cards available in Australia depending on the benefits you want. These can be separated into four key reward program options, which we’ve outlined below.

    Frequent flyer programs

    Frequent flyer programs are traditionally designed to earn you points and other benefits when you travel with a particular airline, such as Qantas or Virgin Australia. There are two main ways you can earn frequent flyer points with a rewards credit card in Australia:

    1. Direct earn frequent flyer credit cards. These cards are linked with a specific frequent flyer program and rewards are added directly to your airline loyalty account. The frequent flyer programs that are linked to direct earn credit cards in Australia include Qantas Frequent FlyerVelocity Frequent Flyer and Emirates Skywards.
    2. Indirect earn frequent flyer credit cards. These rewards credit cards let you transfer the points you earn to many different frequent flyer programs from all around the world, giving you more flexibility if you fly with a range of airlines. Credit card reward programs that indirectly earn frequent flyer points in this way include American Express Membership Rewards, ANZ Rewards and CommBank Awards.

    Credit card brand rewards programs

    Many credit card companies in Australia now have their own branded rewards programs for customers. These options allow you to redeem points for a variety of rewards, including frequent flyer points travel, merchandise, gift cards and even credit on your account. Credit card companies that offer their own rewards program include:

    Many of these rewards programs also give offer auto-redemptions that are automatically processed when your points balance reaches a certain amount, and others offer instant redemptions with certain retailers. If you have a CommBank Awards credit card, for example, you can redeem your points in-store at Myer or Flight Centre. ANZ also allows cardholders to opt into auto redemption with Virgin Australia’s Velocity program, meaning that all ANZ rewards points earned are automatically transferred into their Velocity account.

    Supermarket and retail reward programs

    Some rewards credit cards also earn points and other benefits at supermarkets and major retailers. We’ve outlined the most popular options in the table below.

    RetailerCredit cardsBenefits
    David JonesDavid Jones StorecardDesigned to be used exclusively in David Jones department stores

    Choose between earning points for gift cards or Qantas pointsExclusive in-store benefits

    David Jones American Express

    David Jones American Express Platinum Card

    Earn Membership Rewards or Qantas Points for purchases in David Jones and everywhere else

    Exclusive in-store benefits at David Jones

    ColesColes No Annual Fee MasterCard

    Coles Platinum No Annual Fee MasterCard

    Coles Rewards Mastercard

    Coles Rewards Platinum Mastercard

    Earn flybuys points per $1 spentFree Coles Online delivery when you spend $100 or more with an eligible Coles MasterCard
    NAB flybuys Rewards CardEarn flybuys points per $1 spent
    MyerMyer Visa credit cardEarn MyerOne points per $1 spentAutomatic point redemption for Myer Gift Cards

    Exclusive VIP events and in-store offers

    WoolworthsWoolworths Money Everyday Platinum Credit CardEarn Woolworths Money points per $1 spent

    Automatic redemption of points for Woolworths Money Gift Cards every 4 months

    Rates last updated August 30th, 2016
    Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    American Express Platinum Edge Credit Card - Exclusive Offer
    Receive 30,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy 0% p.a. for 12 months on balance transfers and a complimentary Virgin Blue domestic economy return flight every year.
    30,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
    Coles Low Rate MasterCard
    A low rate MasterCard with flybuys points on your purchases. Earn flybuys point per $2 spent.
    VISA/MC: 0.5 AMEX: 0 9.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
    Coles No Annual Fee MasterCard
    Enjoy a $50 *Kmart Gift Card and pay no annual fee for the life of the card. Earn 1 flybuys point for every $2 spent.
    VISA/MC: 0.5 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
    David Jones American Express
    The AMEX David Jones Credit Card gives you points for supermarket purchases. Earn 1.000 Points per $1 spent at all the major supermarkets.
    30,000 bonus points 1 20.74% p.a. $99 p.a. Go to site More info
    Coles Platinum No Annual Fee MasterCard
    Enjoy a $50 *Kmart Gift Card, low balance transfer offer, no annual fee ever with 24/7 platinum concierge service.
    VISA/MC: 0.5 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
    David Jones American Express Platinum Card
    Earn 40,000 Membership Rewards points when you spend outside of store 3 times in the first month and up to 3.00 reward points for every dollar you spend at supermarkets.
    40,000 bonus points 1 20.74% p.a. $295 p.a. Go to site More info

    Cashback credit cards

    These types of rewards add credit or “cash” to your account when you meet certain spending requirements. Most current cashback credit cards offer a percentage of your total spend as cash back, or provide a one-off cash back sum as an introductory offer when you apply and are approved for a specific credit card.

    You can also get cash back through most of the frequent flyer, credit card and supermarket or retail rewards programs outlined above. Just choose the “cash” or “gift cards” category of your rewards program to see what options are available.

    Rates last updated August 30th, 2016
    Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    American Express Essential Credit Card
    Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
    14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
    Virgin No Annual Fee Credit Card
    $100 cashback and a no annual fee card with balance transfer offer. Spend criteria applies for cashback offer.
    18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. Go to site More info
    Citi Rewards Platinum Card - Cashback Offer
    Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
    20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info

    shopping with credit cardHow to compare reward credit cards in Australia

    Comparing credit cards helps you find the features that suit your lifestyle while also keeping costs affordable. Below, you’ll find a checklist of things to consider when you are comparing reward credit cards.

    Earning points

    • Points per dollar. The more points you earn per dollar spent, the greater the potential value. A good rule of thumb is to look for a card that offers at least 1 point per $1 for most transactions, although it does depend on the reward program.
    • Point expiry and caps. Some credit card reward points expire after a certain amount of time, and some accounts have a limit on how many points you can earn in a month or year. Both of these features can limit the potential value of the rewards, so it’s important to take them into account before you choose a card.
    • Bonus point offers. Reward credit cards often have sign up deals that give you hundreds or thousands of bonus points. Usually these offers require you to spend a certain amount of money on the card in the first few months you have it. As these offers only last for a limited time, they should only be considered after you have a clear idea of the type of card you want so that you can get the most value out of the deal and the rewards card you choose.

    Redeeming points

    • Points values. To work out the value of your rewards, consider how many points it would take to redeem. For example, if you need 12,000 points to get a $50 gift card and your credit card has an earn rate of 1 point per $1 spent, you would have to spend $12,000 make a redemption. Breaking down the rewards like this can help you determine whether it’s worth your time and money.
    • Rewards partners. Rewards programs often partner with retailers and businesses to provide you with a wider range of redemption options. You may also have the opportunity to earn bonus points when you shop with partner stores. Choose a credit card rewards program who has partnerships with your favourite brands and products so you can take advantage of these options.
    • Redemption limitations. Some reward programs have blackout periods when you may not be able to make redemptions. Check the fine print for this information and consider the impact it could have on you.

    Rates and fees

    • Annual fees. Most rewards credit cards charge an annual fee. Ideally, the value of the rewards you earn should be equal to or more than the annual fee of a credit card. For instance, if you hardly ever use a credit card and pay a $300 annual fee, you’ll end up losing more money than you gain. On the other hand, a premium reward option with a high annual fee could be worth it if you use your credit card for most purchases you make.
    • Foreign transaction fees. Most credit cards apply a charge for transactions made overseas or with an international retailer online, usually worth 2% to 3.5% of the total transaction. Make sure you consider this fee before choosing a card – especially for any rewards card that offers more points for foreign transactions. You can compare cards with no foreign transaction fees with this guide.
    • Purchase rates. Rewards credit cards often have high standard interest rates. If you think you’ll carry a balance, consider how much interest your purchases will accrue and whether the rewards you’ll receive outweigh the costs you’ll be forking out for repayments.
    • Balance transfer rates. Some balance transfer credit cards also come with rewards program.These cards allow you to move an existing debt to the new card and pay a low introductory interest rate on the balance. Remember that any new purchases will be charged interest at the purchase rate from the time the transaction is made. If you have credit card debt, it may be better to focus on paying it off completely before considering a rewards card.
    • Cash advance rate. If you use a rewards credit card for a cash advance transaction, such as getting money from an ATM, you will be charged interest at the cash advance rate, which could be as high as 22% p.a.
    • Other fees. Rewards credit cards may come with a range of other fees, such as late payment and overlimit charges. Make sure you check these costs and factor them into your comparison so that you can choose a card that is affordable for you.

    Complimentary extras

    Rewards credit cards often come with a variety of complimentary extras that can add value to the account you choose. Popular perks include:

    • International travel insurance
    • Airport lounge access
    • Complimentary flights
    • Hotel stays
    • Purchase protection insurance
    • Extended warranty coverage
    • Price match guarantees
    • Concierge services

    Will a rewards credit card work for me?

    The value of a rewards credit card depends as much on the cardholder as the actual card you choose. So rather than making a definitive statement about whether or not reward credit cards are valuable or expensive, let’s take a look at the key factors that make them likely or unlikely to work for you.

    A reward credit card could be ideal if you:

    • Pay off your credit card balance in full every month
    • Currently use a credit card on a regular basis
    • Have a clear idea of the type of points you want to earn
    • Are part of an existing reward program that could be complemented by a credit card (i.e. a frequent flyer program or shopping reward program)
    • Earn enough to pay a high annual fee
    • Can regularly make use of the rewards or complimentary extras on the card, such as insurance

    A reward credit card might not be right if you:

    • Have a lot of credit card debt
    • Often carry a balance on your credit card
    • Rarely use a credit card
    • Won’t be able to regularly use complimentary extras on the card
    • Can’t afford a higher annual fee

    It’s worth noting that there are some exceptions to the guidelines above. If you can’t afford a high annual fee, for example, you might still get a lot of value out of a reward credit card with no annual fee. On the other hand, if you regularly use a credit card but also have a lot of debt, it might be better to switch to a balance transfer or low interest rate credit card so that you get value out of paying less interest.

    While rewards credit cards can be a useful way to get something back for your purchases, it’s important to remember that you have to repay everything (plus interest). There are also annual fees and other costs to consider. But by factoring in both benefits and costs when you compare reward credit cards, you can find an option that really suits your needs.

    Frequently asked questions

    How can I view and manage my points?

    Most rewards programs allow cardholders or members to view their points through an online account centre. Usually you’ll need a membership number or username and password to log in. Once you’ve logged in, you should be able to view your points and redeem them for the desired rewards.

    Can I convert my points to points with another airline or issuer?

    Some credit card brand reward programs allow you to transfer points to frequent flyer programs, such as American Express Membership Rewards. Other reward programs, such as Qantas Frequently Flyer, Virgin Velocity or Coles flybuys, allow cardholders to earn and redeem points with partnered airlines and organisations. Read the terms and conditions or contact your rewards program directly to confirm where else you can earn and use your points.

    How many points will I need for a particular item or flight?

    The number of points you need depends on your credit card and the reward/s you want to redeem. For flights, most frequent flyer programs have a points calculator available on their website. If you enter your preferred route and ticket status, the calculator can determine how many points you’ll need to cover the flight.

    In regards to other types of rewards, most programs have an online catalogue that allows you to browse the rewards on offer and see how many points you need to redeem them.

    I've redeemed a reward with my points, but now I've changed my mind. Can I refund my points?

    This will depend on the credit card, but generally you can’t refund rewards or points once the transaction has been made.

    How do I know which rewards program or rewards credit card is for me?

    As a financial comparison service, we don’t recommend any specific products. Instead, we provide you with the information you need to make an informed comparison and decision. When comparing rewards credit cards, consider your spending habits to determine whether the rewards you’ll receive will outweigh the costs of the card.

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    American Express Essential Credit Card
    American Express Essential Credit Card

    Interest rate

    14.99

    Annual fee

    0
    More info
    ME Bank frank Credit Card
    ME Bank frank Credit Card

    Interest rate

    9.99

    Annual fee

    0
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    HSBC Platinum Credit Card
    HSBC Platinum Credit Card

    Interest rate

    19.99

    Annual fee

    149
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    ANZ First Visa Credit Card - Exclusive Offer
    ANZ First Visa Credit Card - Exclusive Offer

    Interest rate

    19.74

    Annual fee

    30
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    100 Responses to Rewards Program Credit Cards

    1. Default Gravatar
      Brian | July 5, 2016

      Need a replacement card as mine is almost beyond being usable

      • Staff
        Anndy | July 7, 2016

        Hi Brian,

        Thanks for your comment.

        May I know what type of card you are currently holding so I can assist you?

        Alternatively, you can also try logging into your account on your bank’s website and check if there is a feature for requesting replacement cards.

        Cheers,
        Anndy

    2. Default Gravatar
      Dawn | May 26, 2016

      I wish to be sent a new rewards card as mine is the old style & I was informed that the old style card will become extinct shortly.

      I will send my address when I hear from you.

      • Staff
        May | June 1, 2016

        Hi Dawn,

        Thanks for your comment.

        You have come through to finder.com.au we are an Australian financial comparison website and general information service and is not a credit card company.

        I’m afraid you’ll need to contact your card issuer directly to request for a replacement of your old rewards card.

        I apologise I couldn’t be of more help.

        Regards,
        May

    3. Default Gravatar
      ejay | April 27, 2016

      How do i access my savings

      • Staff
        ysa.mariano@hiveempire.com | May 10, 2016

        Hi Ejay,

        Thanks for your question.
        To allow us to assist you further could you please state which credit card you are using?

        Cheers,
        Ysa

    4. Default Gravatar
      Steve | March 16, 2016

      Hi,

      Which provider is the most beneficial for us clients ?

      We accumulate a lot of points however with the current provider we need to redeem a lot of points (which I believe is extremely excessive)in order to receive.

      Example 500,000 points gets you 2 return tickets to Europe

      • Staff
        Ally | March 17, 2016

        Hi Steve,

        Thanks for your inquiry.

        Kindly note that finder.com.au is an online comparison service and is not in a position to recommend specific products, issuers, and services.

        Also, it highly depends on your personal situation and needs. It would still be best to compare the different options available to ensure that you choose the most ideal product for you.

        That said, you may want to take a look at the credit card options provided on the upper portion of this page or consider the options on the following pages:
        Sign-Up Bonus Credit Cards
        Qantas Frequent Flyer Credit Cards

        I hope this has helped.

        Cheers,
        Ally

    5. Default Gravatar
      Christine.leilua | February 8, 2016

      How do I apply for a card for Cole’s please.

      • Staff
        Debbie | February 8, 2016

        Hi,

        Thanks for your inquiry.

        To apply for Coles credit card, kindly go through this page.

        I hope this helps.

        Cheers,
        Debbie

    6. Default Gravatar
      Chris | September 11, 2015

      Hi, what is a good Visa corporate credit card for a small business that has a great reward points program that can be used to book fares on multiple airlines (and not linked to one sole airline such as Qantas or Velocity), ideally uncapped points, good conversion ratio, low annual charges?

      Thanks
      Chris

      • Staff
        Jonathan | September 14, 2015

        Hi Chris,

        Thanks for your inquiry.

        Please note that finder.com.au is an online comparison service and is unable to recommend specific products. If you would like to compare a range of corporate credit cards, please visit this page. Cards can be compared on reward points earnings rates, annual charges and other features.

        I hope this has helped.

        Cheers,

        Jonathan

    7. Default Gravatar
      jeffrey | July 23, 2015

      Which cards do not cap their points?

    8. Default Gravatar
      KP | July 22, 2015

      Hi, can you please let me know what products or services I can redeem my points on and how many points is required for each product or service.

      • Staff
        Jonathan | July 23, 2015

        Hi KP, thanks for your inquiry!

        To allow us to assist you further can you state which rewards program you are asking about please?

        Cheers,

        Jonathan

    9. Default Gravatar
      Bec | June 23, 2015

      Hi
      I am looking at consolidating my 9k credit card debt to an 0% interest free card to get on top of things. I asked you a few weeks ago about the best Frequent Flyer card, however I have heard that you can get a bad credit rating on the radio from consolidating debt – is this true? Thanks!

      • Staff
        Jonathan | June 23, 2015

        Hi Bec, thanks for your inquiry!

        A bad credit rating can arise if too many applications are made within a frequent period or if your application is declined. As long as you meet the application criteria for a lender you are eligible to apply for the credit card service/ balance transfer offer. Please refer to the following link for a list of balance transfer credit card offers and a guide on the balance transfer process.

        Cheers,

        Jonathan

    10. Default Gravatar
      g | June 19, 2015

      After years of using everyday awards with Safeway / Woolworths, where are my credit points with Qantas? I should have many 1000′s.

      • Staff
        Jonathan | June 19, 2015

        Hi G, thanks for your inquiry!

        Checking your Qantas credit points balance can be done by logging into your Qantas Frequent Flyers account or contacting Qantas Frequent Flyers directly. Please refer to the link I have sent to your email to check your Qantas points balance.

        Cheers,

        Jonathan

    Credit Cards Comparison

    Rates last updated August 30th, 2016
    Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
    20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    ME Bank frank Credit Card
    Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
    9.99% p.a. $0 p.a. Go to site More info
    Citi Qantas Signature Credit Card
    Earn up to 70,000 bonus Qantas Points on eligible spend, plus enjoy a 0% p.a. for 6 months offer on balance transfers.
    20.99% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
    American Express Essential Credit Card
    Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
    14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info

    * The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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