Travel Rewards Credit Cards

How do travel rewards credit cards work?

Travel rewards credit cards are very similar to air miles credit cards and frequent flyer credit cards, and may in some cases be one and the same. It will depend on what rewards are being offered for your points. Rewards cards may well include all manner of travel rewards, such as flights, cruises, hotel accommodation and car hire. We’ve also included cards that feature complimentary travel insurance. For more detail on these specific options see our section on cards with travel insurance.


ANZ Rewards Platinum - Rewards Offer

Travel Rewards Credit Card

The ANZ Rewards Platinum credit card account offers up to 3 Reward Points for every $1 of eligible purchases with no limit on the number of points earned.

  • New accounts get 50,000 Reward Points after your first eligible purchase when you apply by 5 May 2015
  • $149 p.a. annual fee
  • Earn up to 3 Reward Points for every $1 spent on everyday purchases using the ANZ Rewards American Express card® and 1.5 Reward Points per $1 spent on everyday purchases using the ANZ Rewards Visa card.

    Travel Rewards Credit Card Comparison

    Rates last updated May 5th, 2015

    Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Points per $ spent
    ANZ Rewards Platinum
    ANZ Rewards Platinum
    A dual card offer rewarding up to 3.00 points for every $1 spent on purchases plus 50,000 bonus points after your first eligible purchase. 18.79% p.a. $149 p.a. VISA/MC: 1.5 AMEX: 3 Go to site More info
    American Express Qantas Discovery Card
    American Express Qantas Discovery Card
    A no annual fee frequent flyer credit card with a low balance transfer offer of 0.99% p.a. for 6 months. Earn 1.00 Qantas Point per $1 spend. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
    Citibank Qantas Signature Credit Card
    Citibank Qantas Signature Credit Card
    Receive 50,000 bonus Qantas Points when you apply by 31 December 2015. Plus earn 1.000 Qantas Point per $1 spent on eligible purchases. 20.99% p.a. 0% p.a. for 6 months $299 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
    HSBC Platinum Qantas Credit Card
    HSBC Platinum Qantas Credit Card
    Receive 20,000 Bonus Qantas Points Plus earn 2 points for international purchases including online spend. Including a low balance transfer offer of 0% p.a. for 6 months. 19.99% p.a. 0% p.a. for 6 months $199 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Earn 10,000 bonus Velocity points in the first 3 months plus a low balance transfer offer of 0% p.a. for 16 months 20.74% p.a. 0% p.a. for 16 months $129 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
    ANZ Frequent Flyer
    ANZ Frequent Flyer
    Get 50,000 bonus points after your first eligible purchase and earn up to 1.00 Qantas Points per $1 spent on purchases. 19.99% p.a. $95 p.a. VISA/MC: 0.5 AMEX: 1 Go to site More info
    American Express Platinum Edge Credit Card
    American Express Platinum Edge Credit Card
    Receive 10,000 Membership Rewards bonus points and a complimentary Virgin Australia flight each year. Plus a low balance transfer offer of 0.99% p.a. for 6 months. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $195 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
    Bankwest More Classic MasterCard
    Bankwest More Classic MasterCard
    8,000 bonus More points offer and a long term balance transfer. 19.99% p.a. 2.99% p.a. for 9 months $70 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
    American Express Velocity Escape Card
    American Express Velocity Escape Card
    Receive 7,500 Velocity bonus points when you spend $300 in the first 3 months, plus a $0 p.a. card fee. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
    Coles No Annual Fee MasterCard
    Coles No Annual Fee MasterCard
    No annual fee credit card with flybuys points on everyday purchases. Get $100 off your next Coles Supermarket shop. 19.99% p.a. 0% p.a. for 6 months $0 p.a. VISA/MC: 0.5 AMEX: 0 Go to site More info
    HSBC Platinum Credit Card
    HSBC Platinum Credit Card
    A low balance transfer offer of 0% p.a. for 8 months. Enjoy a no annual fee for the life of the card with high credit limits, prestige services including a personal concierge service and VISA Platinum rewards program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
    Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
    Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
    20,000 bonus Velocity points and half annual fee offer for the first year. 20.74% p.a. 1.9% p.a. for 12 months $145 p.a. annual fee for the first year ($289 p.a. thereafter) VISA/MC: 1.25 AMEX: 0 Go to site More info
    American Express Qantas Ultimate Card
    American Express Qantas Ultimate Card
    Receive up to 50,000 extra Qantas Points. Plus earn 1.00 points per $1 spend. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $450 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
    NAB Qantas Rewards Premium Card
    NAB Qantas Rewards Premium Card
    A low balance transfer offer of 0% p.a. for 15 months as well as 40,000 bonus Qantas Points. Ability to earn 1.50 points per $1 spent on eligible purchases. 19.99% p.a. 0% p.a. for 15 months $250 p.a. VISA/MC: 0.5 AMEX: 1.5 Go to site More info
    Coles Rewards Mastercard
    Coles Rewards Mastercard
    Receive $100 off a single Coles Supermarket shop. New customers only. Earn Flybuys points on your everyday spend. 19.99% p.a. 0% p.a. for 6 months $49 p.a. VISA/MC: 2 AMEX: 0 Go to site More info
    Bankwest Qantas Platinum MasterCard
    Bankwest Qantas Platinum MasterCard
    Bonus 50,000 Qantas Points when you apply online. Plus earn 0.750 Qantas Points for every $1 spent. 20.49% p.a. $160 p.a. VISA/MC: 0.75 AMEX: 0 Go to site More info
    St.George Amplify Signature
    St.George Amplify Signature
    Earn 1.500 Qantas or Amplify Points per dollar spent on eligible purchases. 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $279 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
    ANZ Frequent Flyer Platinum American Express/Visa
    ANZ Frequent Flyer Platinum American Express/Visa
    Get 50,000 bonus points after your first eligible purchase and earn up to 1.50 Qantas Points $1 spent via AMEX. 19.99% p.a. $295 p.a. VISA/MC: 0.5 AMEX: 1.5 Go to site More info
    ANZ Rewards Black Credit Card
    ANZ Rewards Black Credit Card
    You could earn 50,000 bonus rewards points after first eligible purchase. 18.79% p.a. $375 p.a. VISA/MC: 2 AMEX: 3 Go to site More info
    ANZ Rewards Credit Card
    ANZ Rewards Credit Card
    50,000 bonus points after your first eligible purchase. Earn rewards points on your purchases, redeemable for a huge selection of rewards including shopping vouchers, gift cards, and travel. 18.79% p.a. $89 p.a. VISA/MC: 1.5 AMEX: 2 Go to site More info
    Bankwest Qantas MasterCard
    Bankwest Qantas MasterCard
    20,000 Qantas points offer and earn 0.500 Qantas Point per $1 spent on eligible purchases. 20.49% p.a. $100 p.a. VISA/MC: 0.5 AMEX: 0 Go to site More info
    St.George Amplify Platinum
    St.George Amplify Platinum
    Choose between Amplify or Qantas rewards program. Uncapped points earning. 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $99 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
    Woolworths Money Everyday Platinum Credit Card
    Woolworths Money Everyday Platinum Credit Card
    Earn up to up to 3 points for every $1 spent on purchases Everyday Rewards points on your purchases. 19.99% p.a. 0% p.a. for 9 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
    Bankwest More Platinum Mastercard
    Bankwest More Platinum Mastercard
    Introductory 28,000 bonus points offer and a low interest rate on balance transfers. 19.99% p.a. 2.99% p.a. for 9 months $130 p.a. VISA/MC: 2 AMEX: 0 Go to site More info
    Westpac Altitude Black
    Westpac Altitude Black
    Access a dedicated concierge & iPhone app, your own personal shopper and a range of complimentary travel and purchase insurances. Offers two reward programs which you can choose between Altitude or Qantas Rewards. 0% p.a. for 3 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $395 p.a. VISA/MC: 1.25 AMEX: 3 Go to site More info
    Woolworths Money Qantas Platinum Credit Card
    Woolworths Money Qantas Platinum Credit Card
    Earn Qantas Points on your everyday shop and pay a reduced annual fee for the first year. Includes access to special discounts with associated partners. 20.49% p.a. 0% p.a. for 9 months $99 p.a. annual fee for the first year ($139 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
    Virgin Australia Velocity Flyer Card - 0% Interest Offer
    Virgin Australia Velocity Flyer Card - 0% Interest Offer
    Earn Velocity Points plus enjoy an introductory interest free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers. 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. VISA/MC: 1 AMEX: 0 Go to site More info
    ANZ Frequent Flyer Black
    ANZ Frequent Flyer Black
    Earn up to 50,000 bonus Qantas Points after your first eligible purchase. 19.99% p.a. $425 p.a. VISA/MC: 0.75 AMEX: 1.5 Go to site More info
    Citibank Rewards Credit Card - Signature
    Citibank Rewards Credit Card - Signature
    Get 60,000 reward points on your first eligible purchase. Convert them to Qantas Points. 20.99% p.a. 0% p.a. for 6 months with 1% balance transfer fee $299 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
    Citibank Rewards Credit Card - Platinum Card
    Citibank Rewards Credit Card - Platinum Card
    Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months with balance transfer fee and a host of platinum privileges. Earn up to 1.250 Citibank Reward points for every $1 spend. 20.99% p.a. 0% p.a. for 24 months $199 p.a. VISA/MC: 1.25 AMEX: 0 Go to site More info
    NAB Velocity Rewards Premium Card
    NAB Velocity Rewards Premium Card
    Receive 20,000 bonus reward points and a complimentary insurance. 0% p.a. on balance transfers for 15 months. 19.99% p.a. 0% p.a. for 15 months $150 p.a. VISA/MC: 0.5 AMEX: 1.5 Go to site More info
    Bankwest More Gold MasterCard
    Bankwest More Gold MasterCard
    15,000 bonus points and a balance transfer offer of 2.99% p.a. for 9 months. 19.99% p.a. 2.99% p.a. for 9 months $120 p.a. VISA/MC: 1.5 AMEX: 0 Go to site More info
    Westpac Altitude Platinum Card
    Westpac Altitude Platinum Card
    Redeem Altitude points for flights on any of the world's major airlines including free insurance and travel benefits. Also a low purchase rate offer of 0% p.a. for 3 months and a long term balance transfer. 0% p.a. for 3 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $150 p.a. VISA/MC: 1 AMEX: 2 Go to site More info
    American Express Platinum Card
    American Express Platinum Card
    Receive 80,000 Membership Rewards Bonus Points when you spend $500 on your card. You can transfer points to a choice of 9 leading airline rewards programs, including the Qantas Frequent Flyer program. $1,200 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
    Westpac Altitude Business Gold Credit Card
    Westpac Altitude Business Gold Credit Card
    A complimentary travel insurance, purchase cover and no annual fee for the first year. Also receive a low purchase rate offer of 0% p.a. for 12 months. 0% p.a. for 12 months (reverts to 20.24% p.a.) $0 p.a. annual fee for the first year ($150 p.a. thereafter) VISA/MC: 1 AMEX: 2 Go to site More info
    Emirates Citibank World Card
    Emirates Citibank World Card
    Receive up to 40,000 bonus Skyward Miles and half price annual fee for the first year. 20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) VISA/MC: 1 AMEX: 0 Go to site More info
    Citibank Prestige Card
    Citibank Prestige Card
    Receive 70,000 bonus reward points on your first spend. Option to earn opt-in to the Qantas Rewards program and earn Qantas Points. 20.74% p.a. 0% p.a. for 6 months $700 p.a. 2 Go to site More info
    David Jones American Express
    David Jones American Express
    Earn 30,000 Membership Rewards points or 22,500 Qantas Points when you spend outside of store 3 times in the first month. 20.74% p.a. $99 p.a. VISA/MC: 0 AMEX: 1 Go to site More info
    Bank of Melbourne Amplify Classic - Amplify Rewards
    Bank of Melbourne Amplify Classic - Amplify Rewards
    Earn Amplify points on purchases to redeem for gift cards, appliances, events and experiences, travel through Amplify Travel. Plus a low purchase rate offer of 0% p.a. for 3 months. 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 16 months $79 p.a. VISA/MC: 1 AMEX: 0 Go to site More info

    Table of Contents: Guide to Travel Rewards Credit Cards

    How to earn points with a travel rewards credit card

    • Spend money and shift regular spending. You earn points on a travel rewards credit card as you would accumulate points on any rewards credit card – by spending money on it. It’s important to check what an eligible purchase is in order to gain points. Moving your regular expenses over to your travel rewards credit card could add many hundreds of dollars to your balance, and it will all count. However, you must be careful if you do this. If you fail to clear your debt, you will be charged interest, and that will far outweigh any benefits derived from your points.
    • Loyalty purchases made with credit card partners. It may be the case that you can accumulate bonus points when you spend with the travel companies that are partnered with the credit card. It therefore pays to know exactly which these partners are, so you can take full advantage of any spending you are about to do in a related area.
    • Introductory bonus points. Look out for introductory offers on your travel rewards credit card, where more points per dollar can be awarded for the first one to three months. Or you may receive a large lump sum of points just by making an initial purchase. Bonus points are certainly worth claiming as they can often be enough for you to claim your first reward. Beyond this time, also keep an eye out for any special offers on the credit card’s website.

    Be aware that points will not be awarded for any cash transactions made on the card, nor any balance transfers made to it. They are only gained when you spend on purchases or services.

    What are my points worth?

    Points earned per dollar will vary according to the provider and the prestige of the credit card, on average it’s one point per dollar spent. To find out how much you could be earning, please make sure you check the terms and conditions. While you need to know how many points per dollar you will earn, it’s more important to know how much dollar value is then assigned to your points upon redemption.

    How can I check how many points I have?

    This will normally be listed on your credit card statement, but if you want to keep a more regular check on things, you can go to the card’s website and check your personal account. You will need to be registered for this, but that only takes a few minutes to set up.

    What sort of rewards can I get?

    This will again depend on your credit card provider, but the types of rewards you can normally expect with a travel rewards credit card are mostly travel-related. These will include flights, brochure holidays, hotel accommodation, car rental, days out, and more. You may also find offers outside the travel arena. This is another area for you to research beyond the headlines so you can be sure the card suits your purposes and the kind of rewards you are after.

    How do I redeem my points?

    Your credit card provider will have a website where you can check how many points you have accumulated on your travel rewards credit card. It will also show you what rewards are available and how many points you will need to claim them. If you are happy that you want to go ahead and make a redemption, then you will be able to do so via the site or over the phone with a customer service representative. You should be able to claim a reward even if your points fall short by making up the remainder in cash.

    Pros and cons of travel rewards cards

    • PROS
    • Pay your bills and earn points. As long as you pay the balance off every single month, you’ll start to see the points piling up.
    • Free points for paying on time. Some travel rewards cards offer the incentive of extra air miles/frequent flyer points if you pay more than the minimum amount every month, pay on time, or pay it off in full, so be sure to compare cards before you settle for one and see which would suit your lifestyle.
    • Bag a free flight. Regular long-haul travellers are able to amass points at an astonishing rate if they use their credit card to pay for their travels, as well as everyday goods. The points earned can then be exchanged for a flight, part of a flight, or upgrade. Although, you really do need to use your credit card regularly before you’re able to accumulate a large number of points.
    • Complimentary travel Insurance. Insurance can be costly, so take advantage of the travel insurance deals linked to many rewards cards. Even if the card comes with an annual fee, buying separate travel insurance will often cost more.
    • Earn points through partners. Most deals linked to travel reward cards will allow members to earn points through a number of affiliated businesses. For example, members could earn double points when they stay at partner hotels, or when they hire a car through Avis or Budget.
    • Redeem points on partner carriers. While most travel rewards cards are affiliated to one particular airline, you can use points earned to book flights on partner airlines. For example, Qantas is part of the oneworld alliance, so you can redeem points on other oneworld alliance carriers, such as British Airways, American Airlines, Cathay Pacific, Jetstar and more.
    • CONS
    • Points real worth. It takes a considerable amount of time to accumulate points when using your credit card as the offers available are generally 1 point for every $1 spent, and sometimes you need to spend $2 to get 1 point, depending on what credit card you have. But to really understand the system you need to look at what the points are worth in real terms.

    What are my points really worth?

    You may earn 21,000 frequent flyer points on a return trip from London to Melbourne with Qantas, but to earn the 21,000 by using your credit card, if you spend $400 a month it would take just over 52 months, that’s almost 4½ years, to accumulate the same amount of points. And if you use their Points and Pay system, which allows you to offset points against part-payment on a flight, 21,000 points gets you a whopping $150 off a flight from Melbourne to Broome. Not much for 4½ years of constant card usage. However, if you choose to directly redeem the points on a flight, 22,000 points can get you a return economy flight from Melbourne to Adelaide.

    Killer upgrades

    With Qantas, you need 24,000 to upgrade from Economy to Premium Economy, so using the same example of $400 per month spend on your card, it would take 5 years to accumulate the points. And if it’s 60,000 to upgrade to Business, you could have nurtured a preteen by the time you’re able to sit at the pointy end of the plane.

    • Hidden costs. Remember, when you redeem your points on flights you may need to pay surcharges, fees and taxes, which vary from country to country and airport to airport.
    • Pay per month. While it’s important to pay your credit card off every month, not everyone does, no matter how good their initial intentions. If you do get into the habit of not paying the balance off regularly you’ll end up in so much debt there’s no chance you’ll be able to afford a holiday, and therefore you may lose your accumulated points.
    • Point depreciation. The old saying, “You snooze, you lose”, applies here. If you let the points sit on your card for too long they will be worth less in monetary value over the years, and therefore won’t take you as far, so remember to redeem them regularly.
    • Limited lifetime. Most airline carriers that have a frequent flyer system have limitations on the life of the points. However, it only applies to non-active members. So, if you have points accumulated but you haven’t earned or redeemed any with your affiliated airline you will lose the points after a set timeframe.

    How to compare travel rewards credit cards

    The key point when you compare travel rewards credit cards is to realise that you should also be looking to compare these cards with air miles credit cards and frequent flyer credit cards, because they may well possess practically all the same benefits. Equally, you could take a look at regular credits cards, because many also offer air miles and travel rewards.

    Who are travel reward cards best suited to?

    • Regular flyers. A travel rewards credit card will have as part of its rewards the option to exchange points for flights. This means they are great for anyone who flies frequently, whether for personal reasons or as a self-employed businessperson who has to pay for their own tickets. If you are already a member of a frequent flyer program, adding points from a travel rewards credit card will be a sensible move. Most credit cards of this type give a choice of partner airlines.
    • Holidaymakers and travellers. Anyone who likes to get away for a few days or weeks on a regular basis will benefit from this type of card because they will be able to offset part of the cost by supplementing with their rewards.
    • Credit card users. If you use a credit card for your spending, then you are already doing the hard part, namely spending. Therefore you may as well get something back for your outlay, and travel rewards should offer something for everyone.

    Travel rewards credit cards may not suit

    • Stay-at-home types. If you don’t get the travel bug much, then you may want to consider a more regular rewards credit card.
    • Reckless souls. If you are prone to spending on your credit card without good reason, then a travel rewards credit card may not be a good idea.
    • Poor credit cases. A good credit rating is required to apply for any rewards credit card. Making an application that will fail due to a poor rating will only serve to lower your credit score even further.

    What should I look for when I compare travel rewards credit cards?

    This is a very important question when you compare travel rewards credit cards. You need to know how your spending will be rewarded, and what exactly are the main determining factors that make the card one you should grab, or one you should avoid.

    • The partners involved. You need to know which airlines, companies or services are partnered with the credit card rewards program. They must offer rewards you already use, or could be reasonably excited about using.
    • The variety of rewards. How limited are the rewards on offer? Travel-related rewards should include flights, holidays, hotel stays, cruises, car hire, airport parking, etc. But are there other rewards outside the travelsphere? This may be important if you suddenly find yourself in a position if you are unable to travel.
    • Air miles & frequent flyer schemes. Are the airlines involved ones that fly routes of interest to you? Does the credit card require you to join an airline’s frequent flyer program. If so, is it complimentary?
    • Bonus points and introductory incentives. Does the card offer bonus points for the first one to three months of card ownership? These will often allow you to earn double or treble the average one point per dollar. This could allow a reward to be claimed pretty quickly.
    • How many points per dollar? This is very important and you will normally find an ongoing exchange of one to one. However, you must investigate the value of your points when it comes to redemption. Different programs assign different values to their points.
    • Extra benefits. This may include free travel insurance. You may have to pay a fee for an air miles program that offers this, or it may well come standard with gold or platinum cards.
    • Program fees. Annual fees for rewards schemes can make the difference between a program earning you or costing you. If your travel rewards credit card involves an annual fee for the rewards program, on top of annual card fee, then you must do some calculations to make sure this will not outweigh any benefits derived from it. The fees involved in a more prestigious platinum credit card may be justified by the associated perks, but this will depend very much on the level and type of use.
    • Don’t forget the usual suspects. Don’t forget when you compare travel rewards credit cards to check out the Annual Percentage Rate, the annual credit card fee, the amount of interest-free days, and any charges that could be applied if you break the terms and conditions.

    Tips for travel reward cards

    Don’t overspend for any reason, especially not to earn extra points. If you spend so much on your card that you are unable to pay off your balance every month, then you will attract interest charges that may well negate the value of the points you earn.

    Points are only awarded on purchases and services; they are not awarded for cash transactions such as ATM withdrawals or buying foreign currency or traveler’s cheques.

    You cannot properly compare travel rewards credit cards if you do not read the Terms & Conditions for each of the cards of interest to you. This must be done before signing on the dotted line so you are aware what you are getting into, and what you will get out of it.

    How to use a travel rewards card

    Travel rewards credit cards earn points when you spend on them. That does not mean with should go crazy and buy items you don’t need, but as you probably chose the card for the purpose of points building, you ought really to start racking some up. These are a few areas you might consider to increase the points on your card without starting to spend for the hell of it.

    • Monthly expenses. The more you spend on your travel rewards credit card, the more points you will accumulate. Making purchases and paying for services will all count. That means you could certainly look to shift some of your regular spending to your travel rewards credit card to bump up the monthly balance. This may include groceries, fuel for your car, utility bills, mobile phone bills. The caveat here is that you are not left with a debt you cannot clear. Interest charges will destroy the value of the points you have earned. If you use a credit card where you once used cash or debit card, you must still set aside that money to cover your credit card bill at the end of the month.
    • Be loyal. Provided it suits you, use the credit card’s partner companies to earn extra points. Switch your allegiance to any affiliated hotel chains, travel operators, or car rental companies. Using your credit card at these places may earn you extra loyalty points.
    • “Honeymoon” offers. Make use of any introductory offers on your travel rewards credit card before they expire, which may be in one to three months. These may enable you to build up a mass of bonus points very quickly, and even earn a reward straight away.
    • Additional cards. You might think of adding another cardholder to your account so that their spending will also count towards your points.
    • Be a martyr. Pay for group or family purchases, such as holidays, with your travel rewards credit card to build up points. Look a bit hard-done-by when you do it so they don’t know what you’re up to, then get the cash back from them.
    • Use your credit card more frequently. The majority of airline miles credit card rewards programs offer you points for each dollar you spend on your card. It makes sense that by using your card to pay for expenses, bills and purchases, you’ll be accruing points more quickly. However, if you’re paying for your expenses each month using your credit card, it’s important to remember to pay down your balance as quickly as possible. Otherwise you could find that you’re paying huge amounts of interest that could cost you far more than the rewards you’re receiving.
    • Shop with bonus partners. Your credit card rewards program should offer you a list of retailers and stores that are bonus partners. When you shop at these outlets, you could be awarded bonus points. By using your credit card to pay for the purchases at these stores, you’ll effectively be earning far more points than you normally would by shopping at a different outlet.
    • Fly more frequently. There are several incentives offered by many airline card rewards programs that help you boost your points when you fly more frequently. You could earn points for purchasing your airline tickets, which means several short domestic flights could earn you more points than one longer, international flight.
    • Pay for flights using your credit card. When you use your credit card to pay for your flights, you could be earning more than just the airline card rewards points. You could also earn bonus points, a preferential interest rate or other travel perks, too.
    • Ask for credit card rewards points. You might be surprised by the range of airline card rewards available on various goods and services. Most people just don’t ask if there are points available on the things they buy. You could find you’re earning reward points on things like hotel accommodation, car rentals, real estate agent’s fees, insurances and plenty of others.
    • Shop around for a better credit card offer. You could easily maximise your airline card rewards points by shopping around for a better credit card deal offering a better rewards program. Use an online credit card comparison site to see if another credit card provider can offer you a better deal on earning more airline rewards points.

    Spend wisely on your card

    • Stay within your budget. Keep the ‘monthly expenses’ advice at the top in mind for all your purchases, so that you can always pay off your credit card in full every month. Unavoidable expenses are one thing, but willfully spending beyond your means for any reason is poor practice.
    • Avoid cash transactions and balance transfers. These should not occur on your travel rewards credit card. They will not earn you any points and could cost you dearly. Cash withdrawals are charged at a higher rate than your purchases, and are not subject to your interest-free days. They will also attract a cash-handling fee. Balance transfers, even with a fantastic 0% deal, could cause trouble all their own.

    Now you know everything there is to know about Travel Rewards Credit Cards!

    Go back to the top of this page, and start a comparison!

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    2 Responses to Travel Rewards Credit Cards

    1. Default Gravatar
      john | November 6, 2014

      hi. i want to travel overseas with a card with no foreign currency fees
      which one has that

      • Staff
        Elizabeth | November 6, 2014

        Hi John,

        Thanks for your question.

        You can compare a range of these cards on this page.

        I hope this has helped.

        Thanks,

        Elizabeth

    Credit Cards Comparison

    Rates last updated May 5th, 2015
    Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
    St.George Vertigo Visa
    St.George Vertigo Visa
    A low annual fee and low interest rate offer on balance transfers. 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. 21.49% p.a. Go to site More info
    NAB Low Rate Credit Card
    NAB Low Rate Credit Card
    Low ongoing interest rate on purchases and balance transfers. 0% p.a. for 12 months (reverts to 13.99% p.a.) 4.99% p.a. for 6 months $59 p.a. 21.74% p.a. Go to site More info
    St.George Vertigo Platinum
    St.George Vertigo Platinum
    A platinum card with a low interest rate on balance transfers and purchases with a low annual fee. 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
    HSBC Platinum Credit Card
    HSBC Platinum Credit Card
    Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
    Virgin No Annual Fee Credit Card
    Virgin No Annual Fee Credit Card
    Take advantage of the 0% p.a. for 14 months balance transfer offer 18.99% p.a. 0% p.a. for 14 months $0 p.a. 20.99% 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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