Reward Program Credit Cards

Reward credit cards allow you to earn points while you spend, with benefits such as free flights, gifts, cashback and other rewards – just by using your credit card!

The credit cards on this list compare a selection from Cannex spend levels, combined with recommendations made by our credit card editors. The goal with any rewards credit card is to earn the maximum amount of points for the money you spend.

Table of Contents: Guide to Rewards Credit Cards

• Compare rewards credit cards
• Which is the best rewards credit card?
  • Best Reward Credit Cards ($12,000 Yearly Spend)
  • Best Reward Credit Cards ($24,000 Yearly Spend)
  • Best Reward Credit Cards ($60,000 Yearly Spend)
• How do rewards credit cards work?
  • Points Redemption Options
  • How to earn rewards
  • How to tread carefully with rewards credit cards
• How to Compare Rewards Credit Cards
  • What are your points worth?
  • How can you redeem your points?
  • How do you earn your points?
• How to use a rewards credit card

Featured Rewards Credit Card

The Citibank Emirates Platinum will get you to your dream travel destination sooner. As a new cardholder you can earn a very generous 3 Skywards Miles for every $1 spent up to 20,000 Miles. You also become a part of the frequent flyer program which takes you beyond the just travel experience. You will enjoy the privileges of flights, flight upgrades, hotels, car rental, leisure & lifestyle rewards and many more exciting rewards.

• $229 annual fee
• 20.74% p.a. on purchases
• 1.9% p.a. for 12 months on balance transfers
• Cash Advance Rate of 20.74%
• Your Skywards Miles are automatically transferred into your Skywards account each month

Click here to read the Citibank Emirates Platinum Card terms and conditions

Best Reward Credit Cards ($12,000 Yearly Spend)*

$12,000 is generally a very low amount to spend per year for a rewards credit card, thus there are limited choices which will actually benefit you and reward you as a consumer.

The following table includes credit cards have been rated best* for consumers who spend an average of $12,000 on their card per annum. The ratings assume that no interest or fees are charged throughout the year. The ratings are assigned by Cannex, Australia’s largest specialist financial research institution.

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
Citibank Silver Card	1 reward point for every $1 spent, with Citibank ‘Automatic Benefits’. No point expiry. Free purchase cover. FraudShield protection. Cannex 5 star rating.	20.74%	21.24%	2.9% for 12 months	$89	55
Commonwealth Bank Awards Credit Card	Earn up to 50,000 points per year. Online security guarantee. Cash back and Frequent Flyer Awards system, including Bonus Partner Reward Offers. Earn 1.5 Awards points for every $1 spent with a Commonwealth Bank American Express® Card	20.49%	21.49%	5.99% for 5 months	$89.00	55
Westpac Earth Cards	Earn up to 1 Qantas Frequent Flyer point for every $1 spent. Receive double points simply by spending with any Qantas Frequent Flyer program partners. No points capping and complimentary Qantas Freqent Flyer membership when you apply before 28th February 2011.	19.64%	21.14%	0.99% for 6 months	$75	45

Best Reward Credit Cards ($24,000 Yearly Spend)*

$24,000 is a solid annual spend as far as reward programs for credit cards go. $24,000 is the commonly perceived minimum necessary to benefit from Frequent Flyer credit cards. These credit cards offer travel and purchase security benefits, which you’ll need to take into consideration whether you need or not.
If you don’t, you can still benefit from a different rewards card level of spend.

You’ll need to be earning at least $45,000 a year on average in order to be considered for approval on these cards.

The following table includes credit cards have been rated best* for consumers who spend an average of $24,000 on their card per annum. The ratings assume that no interest or fees are charged throughout the year. The ratings are assigned by Cannex, Australia’s largest specialist financial research institution.

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
American Express Gold Ascent Card	No annual fee. Earn 1 Membership Reward point for every $2 spent. Pay an $80 annual fee and earn 1 Membership point for every $1 spent.	20.49%	20%		$0	44
Citibank Gold Card	1 reward point for every $1 spent. Complimentary International Travel Insurance. No point expiry. Free purchase cover. FraudShield protection. Cannex 4 star rating.	20.74%	21.24%	1.9% for 12 months	$149	55
Commonwealth Bank Gold Awards Credit Card	Earn up to 100,000 points per year. Free International Travel/Hospital Insurance for up to 3 months*. Points exchangable for Frequent Flyer Points. Earn 2 Awards points for every $1 spent with a Commonwealth Bank American Express® Card and enjoy acceptance at 29 million locations with MasterCard®	20.49%	21.49%	5.99% for 5 months	$144.00	55

Best Reward Credit Cards ($60,000 Yearly Spend)*

$60,000 is a high annual spend, and yields the potential to earn over $500 of rewards a year. $60,000 is necessary to spend on these cards as their annual fee is so high – but after you breach the annual fee offset, you can access a world of luxury and rewards. These credit cards offer travel, 24/7 specialist services, purchase security benefits and a wide range of prestige benefits which you’ll need to take into consideration whether you need or not.
If you don’t, you can still benefit from a different rewards card level of spend.

You’ll need to be earning at least $70,000 a year on average in order to be considered for approval on these cards.

The following table includes credit cards have been rated best* for consumers who spend an average of $60,000 on their card per annum. The ratings assume that no interest or fees are charged throughout the year. The ratings are assigned by Cannex, Australia’s largest specialist financial research institution.

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
Citibank Emirates Platinum Card	For a limited time you can earn 3 Skywards Miles for every $1 spent up to 20,000 Miles.	20.74%	20.74%	1.9% for 12 months	$229	55
American Express Qantas Premium Card	Earn 1.25 Frequent Flyer points for every dollar spent. Earn up to 7,500 introductory bonus points after application approval.	20.49%			$249
Westpac Earth Platinum Cards	Use the power of 2 cards on the one account to earn 1.5 Qantas Frequent Flyer points per $1 on your American Express Card and 0.5 points per $1 on your MasterCard. With no points capping you can reach your desired destination in no time.	19.64%	21.14%	0.99% for 6 months	$250	45
Citibank Platinum Card	1 reward point for every $1 spent. 1 reward point = 1 FF point. No point expiry. Complimentary International Travel Insurance. 24/7 personal concierge service. Cannex 5 star rating.	20.74%	21.24%	3.9% for life	$125 (First Year, Save $125)	55
Commonwealth Bank Platinum Awards Credit Card	Earn up to 150,000 points per year. Travel Insurance for up to 12 months. Extended Insurance /Purchase/Security benefits. Commonwealth Awards Program plus extra Platinum Rewards. Earn 3 Awards points for every $1 spent with a Commonwealth Bank American Express® Card and enjoy acceptance at 29 million locations with MasterCard®	20.49%	21.49%	5.99% for 5 months	$280.00	55

Reward Program Credit Card Comparison Table

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
Citibank Emirates Platinum Card	Earn up to 3 Skywards Miles for every $1 spent on Citibank’s unique and generous ‘Skyward Miles’ reward program.	20.74%	20.74%	1.9% for 12 months	$229	55
Westpac Earth Cards	Earn up to 1 Qantas Frequent Flyer point for every $1 spent on everyday purchases.	19.64%	21.14%	0.99% for 6 months	$75	45
Westpac Earth Gold Card	Includes all the benefits of the Westpac Eath plus a range of complimentary insurance covers.	19.64%	21.14%	0.99% for 6 months	$125	45
Westpac Earth Platinum Cards	High platinum earn rate of up to 1.5 Qantas Frequent Flyer points per $1 spend plus a range of Earth Platinum privileges.	19.64%	21.14%	0.99% for 6 months	$250	45
ANZ Balance Visa	Earn 1 Reward Point for every dollar you Repay off your Balance. Cashback, Giftcards and Vouchers redeemable in Rewards Program.	14.24%	21.49%	0% for 6 months	$79	55
Citibank Silver Card	1 Frequent Flyer point for every $1 spent. A comprehensive range of Security and Insurance. Includes Citibank World Privileges.	20.74%	21.24%	2.9% for 12 months	$89	55
Citibank Gold Card	1 Frequent Flyer point for every $1 spent. Free Rewards Programme. Purchase Cover, Security and Insurance. International Travel Insurance.	20.74%	21.24%	1.9% for 12 months	$149	55
Citibank Platinum Card	4.9% on balance transfer for the Life of your balance. A horde of other platinum benefits and features included.	20.74%	21.24%	3.9% for life	$125 (First Year, Save $125)	55
American Express Qantas Premium Card	The card designed by travellers for travellers with a powerful Qantas Frequent Flyer earn rate of 1.25 points per $1 spend	20.49%			$249
Macquarie Bank Platinum Visa Card	Macquarie Bank Rewards Program. Earn up to 3.25 reward points for every $1 spent. Redeem your points for flights, gift cards and other products.	20.45%	21.45%	0% for 6 months	$200	55
Commonwealth Bank Awards Credit Card	Earn up to 50,000 points per year. Online security guarantee. Cash back and Frequent Flyer Awards system, including Bonus Partner Reward Offers. Earn 1.5 Awards points for every $1 spent with a Commonwealth Bank American Express® Card	20.49%	21.49%	5.99% for 5 months	$89.00	55
Commonwealth Bank Gold Awards Credit Card	Earn up to 100,000 points per year. Free International Travel/Hospital Insurance for up to 3 months*. Points exchangable for Frequent Flyer Points. Earn 2 Awards points for every $1 spent with a Commonwealth Bank American Express® Card and enjoy acceptance at 29 million locations with MasterCard®	20.49%	21.49%	5.99% for 5 months	$144.00	55
Commonwealth Bank Platinum Awards Credit Card	Earn up to 150,000 points per year. Travel Insurance for up to 12 months. Extended Insurance /Purchase/Security benefits. Commonwealth Awards Program plus extra Platinum Rewards. Earn 3 Awards points for every $1 spent with a Commonwealth Bank American Express® Card and enjoy acceptance at 29 million locations with MasterCard®	20.49%	21.49%	5.99% for 5 months	$280.00	55
Westpac Altitude Card	Earn up to 2 Altitude points per $1 spend plus a great range of rewards.	19.64%	21.24%	1.99% for 9 months	$100	45
Westpac Altitude Gold Cards	Includes all the benefits of the Westpac Altitude plus a range of complimentary insurance cover.	19.64%	21.24%	1.99% for 9 months	$150	45
Westpac Altitude Platinum Cards	Accelerate your Altitude points with up to 3 points earnt per $1 spent on your card.	19.64%	21.24%	1.99% for 9 months	$295	45
NAB Velocity Standard Card	Gain velocity reward points and redeem for rewards. You gain both an Amex and Visa card which are linked to one single account and annual fee.	19.99%	19.99%	4.99% for 6 months	$65.00	44
NAB Velocity Gold Card	Gain velocity reward points and redeem for rewards.	19.99%	19.99%	4.99% for 6 months	$150	44
NAB Qantas Gold Card	Comes with a Visa and American Express card, both linked to one account and annual fee. No point expiry.	19.99%	19.99%	4.99% for 6 months	$145.50	44
NAB Qantas Platinum Card	Comes with a Visa and American Express card, both linked to one account and annual fee. No point expiry. No points cap.	19.99%	19.99%	6.99% for 6 months	$290	44
NAB Standard Card	NAB reward cards now have the option of linking to FlyBuys, Velocity or FrequentFlyer. See here for more details on these programs. Available in Gold.	19.49%	19.49%	4.99% for 6 months	$30	44
NAB Velocity Standard Card	Gain Velocity reward points and redeem for rewards. Also available in Gold	19.99%	19.99%	4.99% for 6 months	$65.00	44

How Do Rewards Credit Cards Work?

Reward credit cards allow you to earn something back from your spending. The points you accumulate when you spend on a rewards credit card can be redeemed in various ways, including cashback, frequent flyer miles, and discounts on goods or services.

Let’s take a look at these different option in a bit more detail.

Points Redemption Options

Cashback – This means what it says. You get a certain amount of cash back for your spending. There are two ways in which cashback works: some credit cards offer a percentage of your total spend back, which is usually 1%. This type of scheme usually operates outside a rewards scheme; other rewards credit cards offer cashback within a rewards scheme, whereby you redeem your accumulated points for cash, although this option may take more points than the equivalent value in, say, shopping vouchers. Cashback is either paid back onto your card or as a cheque, monthly or yearly, depending on how your provider operates.

Air miles and travel rewards – Air miles have become very popular in recent years, and are now only rivaled by the above cashback option. Clearly, they suit those people who travel frequently and are looking for free or cheaper flights. Some rewards credit cards are dedicated frequent flyer cards, meaning the rewards scheme is geared towards this end. Each card will have affiliated airlines, so it is best to check which service suits your needs. You may also be able to take advantage of VIP airport lounge access and priority check-ins. Travel rewards can be redeemed with affiliated travel operators, and are more wide-ranging than just flights.

Merchandise – There are two ways in which a rewards credit card can work with retail goods. You can earn points for shopping at certain retail locations (possibly earning more points) or whenever you make any purchase (possibly less points); or you can have discounts applied at the time of purchase simply because you are making payment with a specific card. Some providers

Charities – Charity credit cards are rewards credit cards tied to a certain charity. These work in a similar way to cashback cards in that they will earn your chosen charity a percentage of your total spend. The charities are affiliated with particular providers, so your choice of credit card might be dictated by any preference you may have for a worthy cause. Charity credit cards sometimes involve an annual donation as well.

Featured Charity Credit Card

The McGrath Pink Visa is one of the most unique credit cards. Half of your annual fee, is actually donated to the McGrath Foundation each year that you hold the card - this will work out to be a $20 donation on your behalf to the charity. Currently, the credit card is offering one of the most competitive low interest offers on the market.

• $40 annual fee
• 10.99% p.a. on purchases
• 10.99% p.a. for transfers months on balance transfers
• Cash Advance Rate of 10.99

Click here to read the McGrath Pink Visa terms and conditions

How to earn rewards

Earning points on a rewards credit card is hardly rocket science – you just need to spend on the credit card. More dollars spent means more points earned. However, you should be aware that a balance transfer made to a reward credits card will not count towards your points, and the same goes for any cash withdrawals you make make. One easy way to earn more points would be to begin using your credit card for those everyday purchases you would ordinarily use cash or debit cards to cover. If you do this, you must make certain you keep a check on your statement online, or you may get a nasty shock when it arrives at month-end. One thing you should never do is make purchases purely with the intention of earning points. If you end up not being able to pay off your balance at the end of the month, the value of any points earned will be more than wiped out by the interest payments you will be liable for.

If you shop wisely, your rewards credit card can build up points more quickly. This would involve you spending at affiliated retailers or airlines, in which case you may find that you are earning double points on your purchases. Also look out for introductory points offers, where you will earn a bonus number of points for spending within a certain period of time, or with named merchants within a set period. Again, only do this if such a purchase was inevitable anyway, and shifting your allegiance does not have any negative impact that would wipe out the value of any points earned.

How to tread carefully with rewards credit cards

Unfortunately, you do need to be wary with rewards credit cards. Although some people may think they are getting something for nothing, that sort of thinking can be naive. Apart from the above-mentioned advice that you shouldn’t spend unnecessarily to earn points, the key issue is whether there is a fee involved for being a part of the scheme. To give you an example, if you were to pay a $100 annual fee (which would be high), you would have to be spending at least $20,000 annually just to get that fee back. In a recent survey across sixty-three rewards credit cards, one website found that unless you’re spending more than $1,000 a month, you are most likely paying more in reward scheme fees over the year than you are receiving back in rewards. The message here is to find a rewards scheme that is free.

Points calculations

In any breakdown of the features of a rewards credit card you will clearly see quoted how many points per dollar you will earn. The usual amount is one point per dollar. However, that equation is fairly meaningless if you don’t know how many points are then required for redemption on the available rewards. Your thousand points earned with one provider may get you a product twice as expensive as with the same amount of points earned elsewhere. Points are currency. You wouldn’t equate rupees with dollars, or yen with sterling. The fickle value of points may be evident within the redemption system of just one provider. You may have to redeem 500 points for a shopping voucher, but 1000 points for cashback to the same value.

This requires investigation on your part, so you know you are receiving your maximum points value.

How to kill the value of your points

Earning points to the value of $5 when you end up paying interest to the value of $15 is just plain silly. Ending up with an unpaid balance one month because you had to make a large purchase is one thing; failing to pay off your debt in full because you’ve been on a points-accumulation spending spree is the worst type of false economy. You must not spend to earn points, and no matter why you are spending, your intention should always be to clear your balance in full every month. The easiest way to make sure your rewards credit card is paid in full each month is to set up a direct debit to pay it off, but this can be fraught with danger if your spending effectively takes you overdrawn on your bank account, so you get hit with bank fees and credit card interest.

Other issues to be aware of

No credit card – not just rewards credit cards – should be used for cash withdrawals. These are not only charged at a higher rate of interest, but they are always charged from the moment the cash is in your hand – they do not benefit from the interest-free days facility you may have on purchases. You should equally avoid making a balance transfer to a rewards credit card you regularly use for purchases. Not only does it not count towards your points, but if you have made it because of a low or zero percent offer, then any repayments you make will go to the debt at the lowest rate of interest first, leaving your purchases untouched until it is paid off. It’s something called the “adverse order of payments”.

Make sure your free rewards scheme is not being subsidised by a higher than average annual account maintenance fee.

Check if there is a cap on the amount of points you can earn in a year. This will punish the big spenders whose purchases above a certain level will then not count.

Make sure your points do not expire. This will punish the low spenders who will not have the chance to build up points for a decent reward.

How To Compare Rewards Credit Cards

When you compare rewards credit cards, you should not be blinded by the idea that they offer something for nothing. You should take every aspect of the credit card into account and make sure you make comparisons with other rewards credit cards to ensure you are getting the benefits you desire.

Reward credit cards are advertised as providing something for nothing; or at least something for doing what you would normally do, which is spend money on your credit card. The points you accumulate when you spend on a rewards credit card can be redeemed in various ways, including cashback, frequent flyer miles, and discounts on goods or services.

However, for the more canny consumer who knows there is rarely such thing as a free lunch, a certain amount of research is required before an application is made. In a recent survey, only 6% of Australians said they bothered to check out a credit card comparison site before making a credit card application. Around 50% only applied to their own bank. The need to compare rewards credit cards is perhaps more important than ever, because if you are not sure of the facts, you may be basing your application on vague or misleading information.

Here are the main point to consider when you compare rewards credit cards:

How can a rewards credit card work against me?

This should be your first question. The credit card provider’s intention is to create a paradise scenario. You’re spending anyway, so why not get something back for your trouble?

Don’t be naive about this. Some rewards schemes charge an annual fee. One financial website recently discovered that taking an average across sixty-three rewards credit cards that charged a fee, unless you’re spending more than $1,000 a month, you will probably be paying more in reward scheme fees over the year than you receive back in rewards. Individual cases may prove this right or wrong, but the consensus on charged-for reward schemes is not good.

What are your points worth?

Generally speaking, one dollar will equal one point, but that is not what’s important. When you compare rewards credit cards, you need to go beyond this and ask what value your points will have. Ultimately, your rewards points are effectively translated back into a dollar value. One provider may have the following calculation: one dollar = one point = 5cts; another may dictate that one dollar = one point = 50 cts; yet another may say that one dollar = two points = 75cts. You will need to dig deep to uncover the truth, but if you don’t do this then your attempts to compare rewards credit cards will not be based on fact. If cashback is your goal, then you need to know whether you will have to exchange more points for cashback than for a shopping voucher of the same value.

How can you redeem your points?

You need to know that the rewards scheme will work for you and the way you shop. The last thing you want is to start adjusting your spending habits to fit your card. Your credit card provider might love that, but your bank manager definitely will not. You need to look at how your reward scheme works with regards to points redemption. Here are the main options:

Find out more details of these Reward Credit Cards

If you’re interested in finding out the more specific reward program details, such as point capping, point expiry and the real value of each reward point you earn, check out our reward program comparison page.

St George do not have a typical ‘points’ reward program, and thus are not listed here.

They do however offer Gold & Platinum credit cards which offer travel, insurance and security benefits.

How To Use A Rewards Credit Card

The first thing to say about using a rewards credit card is to use it sensibly. That means you should never spend on your card just to earn yourself points. However, there are certainly ways to maximise your points accumulation and make your rewards credit card work entirely in your favour, and not just to benefit your credit card provider.

Key points for points accumulation:

Spend on your card:

You cannot accumulate points on your rewards credit card if you do not spend any money on it. One key trick to to start using your credit card for the everyday purchases, such as fuel and groceries, that you would usually use cash or a debt card to pay for. This means you will not be spending any more than you would normally, but you are now getting something back for that spending.

There is one huge caveat here, though: You must keep an eye on your spending and not look at the extra cash in your pocket or bank account as available to spend on other things. The cash you do not touch by switching everyday spending to your rewards credit card must be kept to pay off your credit card statement at the end of each month. This requires discipline to achieve, and if it goes wrong you will end up losing more than you gain, because you will not be able to pay off your balance at the end of every month, and you will then have to pay interest, thus negating any value of points earned.

Take advantage of bonus points offers:

These offers may apply to the first few months you own your rewards credit card, or they may appear every so often as you go along. With the former, you may be awarded extra points in the first few months, such as two points for one dollar, instead of the normal one point. Offers beyond this initial period will involve specific affiliated retailers or airlines. Again, the proviso with both these situations is that you do not spend on anything you would not have bought anyway. It’s perfectly okay to switch allegiance to a different retailer to take advantage of these offers, so long as you can genuinely justify your purchases as necessary. Ideally, you should have chosen your rewards credit card in the first place because the affiliated retailers or airlines are ones you regularly do business with.

Use your points:

Make certain you actually use the points you build up. Saving up for a large reward is one route to go down, but only if the conditions of your rewards credit card allow for this. Some schemes impose an expiry date on your points, so if they are not used within a certain time, they will be lost. Make sure you know if your scheme does this, and if so, make a note of when you must start thinking of redeeming them.

Pay off your balance each month:

This is a must, not just for rewards credit cards, but for any credit card. The interest charges that kick in on any unpaid part of your debt will go a long way towards canceling out the benefit of any reward points you may have earned in the previous month. In most cases, you will simply be out of pocket. Whilst this may be unavoidable if you have had to make certain essential purchases that bust the budget for that month, it is very silly if it has come about because you have been reckless for any reason.

Read the Terms & Conditions:

This is essential with rewards credit cards, as you will need to know exactly how they operate to take full advantage. For example, is there a stipulation that your points are nullified if you are considered in default because you fail to pay your minimum payment amount in time?

Balance transfers and cash withdrawals:

Be aware that you will not be awarded any points for either of these transactions. Moreover, balance transfers, whilst allowing for a lower interest rate, will attract a balance transfer fee, and cash withdrawals will be charged at a higher rate of interest that will activate the moment your cash leaves the ATM. Remember also that, according to the “adverse order of payments” method use by nearly all credit card providers, debts at the lower rate will be paid off first, so any balance transfer made to a rewards credit card will need to be wiped completely before purchases at a higher rate are touched. Rewards credit cards are therefore the wrong card to transfer a balance to, unless you are prepared to clear the rewards credit card balance first and then cease making any more purchases on it.

Is it worth getting a Credit Card with a Rewards Program?

There are an abundance of Australians who own a rewards credit card, yet who aren’t getting any benefit from it.

Infact, most of these people would be paying more in interest and fees than in value of the rewards they redeem. You should avoid a credit card with a rewards program if you ever:

• Pay interest on your balance.
• Don’t spend significant amounts on your credit card per year. This amount varies from card to card. Some require $12,000+ of spending, while others are as high as $60,000.
• The rewards are of no use to you.

Most credit cards have an annual fee of around $60-250. Generally, you’ll need to spend $10,000 a year on a rewards card to offset an annual fee as low as $60. Therefore, if you’re spending less than this, let alone paying interest (which is very high on reward cards) there truly isn’t any benefit of owning a reward program card.

As a general rule of thumb, credit cards which offer high dollar to point conversion tend to cap (limit) the period in which you receive the high conversion rates.

Take a look at our selection of best credit cards or top low interest rate credit cards if you believe a rewards credit card is not suitable for you.

This page compares and offers credit cards with reward programs. To find out more about the reward programs themselves, view Credit Card Finder’s unique stockpiling of reward program details here.

Read more about reward program cards in our credit card reward program resources page.

* 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. ‘Best and ‘Top’ are ratings which are subject to our consideration and is not rated against all Australian credit cards. We recommend you take this information into account when comparing credit cards.

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  If you want to earn more points you might consider the credit card rewards schemes that offer two cards on one linked account. These programs usually have a Visa and an American Express card that have one spending limit, one monthly bill, and one rewards account. By doing this you can greatly increase the number of points you earn and the value of your rewards.



• Quick Checklist to see if a Credit Card Reward Scheme is For You
  

  Do you have the right rewards program? Read this article find out more



• Get Your Card Rewards Faster With the 3P’s: Points Plus Pay
  

  “Points plus pay” is a new scheme where you can get your hands on some fantastic rewards merchandise without having to wait months before accumulating enough rewards points. So if you are just short of enough rewards points for that digital camera, iPod or holiday you’ve had your eyes on for ages then you can use this “Points plus pay” method to get your hands on those goodies tomorrow.



• Four Tips to Maximize Credit Card Rewards Points
  

  Finding the right credit card rewards program is important if you are interested in getting rewarded for doing your day to day shopping. Find out how to maximize your rewards in this article.



• Australia’s Top Rewards Credit Cards
  

  Everyone likes to earn rewards. With the ability to earn top items such as international flights or top-of-the-line electronics, who wouldn’t want to own a rewards credit card? Australia has many rewards cards to choose from and you can find the best one that offers just what you are looking for.



• Guide to Getting Credit Card Rewards Fast
  

  No matter what you are saving your credit card rewards points for, there is a way to get them fast. Find out how you can get your points quicker in this article.



• Visa Entertainment and MasterCard Applause Entertainment Reward Schemes
  

  The two big credit card issuers, Visa and MasterCard, have excellent entertainment reward schemes. These programs allow members premium access to concerts, special events, and sports competitions. The programs are free to use, and are open to all Gold or higher cardholders.



• Reasons why your next credit card should be a Rewards Credit Card
  

  If you want to get a rewards credit card there is no better time then right now. These cards give you points for every dollar you spend. The points can then be exchanged for a wide variety of valuable rewards.





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Editor's Choice: Our Top Credit Cards




Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
HSBC Credit Card	Editor's Choice: 0% for 6 months Balance Transfer & No Annual Fee Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.	16.99%	20.75%	0% for 6 months	$0	55
Suncorp Clear Options Standard Visa Card	A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases.	12.24%	17.99%	1.9% for 12 months	$39	0