Regular Credit Card Payments Translate To More Rewards

Pay your credit card on time and you can benefit from credit card reward points

Different credit cards offer different incentives and rewards programs. There are programs geared towards customers that travel extensively and programs for customers that just purchase items with their credit card occasionally. On average, the more extensive the rewards program, the greater the annual fee to be a card member. Lower annual fee credit cards tend to have less attractive or general rewards programs. In either case, the amount of money that is spent using the rewards credit card is directly related to the points incentive program of the credit card that is being used. The more money that is spent, the more points that are accumulated – however, it is important to remember to make regular payments on your credit card to avoid high fees and charges.

Earn Frequent Flyer Points on your Purchases

The ANZ Frequent Flyer credit card gives you the opportunity to earn Qantas Frequent Flyer points on your credit card purchases. It is a dual credit card with an AMEX for greater rewards earning potential, and a Visa credit card for greater acceptance

• $95 annual fee
• 19.74% p.a. on purchases
• Cash Advance Rate of 20.99% p.a.
• 44 days interest free
• Minimum Income Requirement of $15,000 p.a.

Read the ANZ Frequent Flyer terms and conditions.

Accumulating and Exchanging Points

The rewards program is designed to reward the customer for loyalty by using the credit card of a particular company. Each credit card has an exchange rate that determines the rewards point value. The more money that a customer charges on their credit card the more rewards points they will accumulate after making their regular payments. This is why it is important for customers to research and select the credit card that best suits their needs.

If a customer who rarely travels does not research the rewards programs of a credit card they may unintentionally end up with a higher annual fee frequent flyer credit card when they really have no use for one. The same holds true for the customer who travels all of the time and spends large amounts of money on a credit card each month, only to be enrolled with a card program that offers general products. Research and information is key to selecting the credit card that is best for your needs.

Bonus Points programs

There are certain dates, times, and locations where goods and services may be purchased with a particular credit card and the redeemable rewards points may be doubled or tripled. These are special sales events that are specific to certain credit cards at certain times and locations. Customers can really capitalise on these rewards. Credit card customers that spend large amounts of money each month can take advantage of their card’s program by using these special dates and locations to maximise their points value.

Credit card customers have the ability to take advantage of various rewards programs as long as they remember to make regular payments. After deciding what your needs are it is important to find a credit card that also suits your lifestyle. There are various credit cards with different rewards programs and a customer can take full advantage of the offers available.

Check out today's featured offers:

Westpac Low Rate	Citibank Clear Platinum	Qantas AMEX Discovery	ANZ Platinum
0% p.a. for 6 months on purchases & balance transfers	2.9% p.a. for 12 months on balance transfers	$0 annual fee Up to 10,000 Bonus QFF Points	0% p.a. for 6 months on purchases & balance transfers

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Popular Credit Card Offers

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Westpac Low Rate Card - 0% Offer	A credit card with a low rate offer on both balance transfers and purchases, plus a low annual fee.	0% for 6 months (reverts to 13.49% )	0% for 6 months	$45	21.49%
	Citibank Clear Platinum Card	Competitive interest rate on purchases and balance transfers offer.	11.99%	2.9% for 12 months	$99	21.74%
	St George Vertigo	Take advantage of this great offer from St.George with a low rate on purchases and a low balance transfer offer.	13.24%	0.99% for 12 months	$55	21.49%
	ANZ Platinum Credit Card	An introductory interest rate offer on balance transfers and purchases, plus a $0 first year annual fee.	0% for 6 months (reverts to 19.24% )	0% for 6 months	$0 annual fee for the first year( $87 thereafter)	20.99%