What's the biggest credit card bonus point offer on the market?

Finder's database shows that the American Express Platinum Business has the biggest bonus points offer, with up to 300,000 Membership Rewards Bonus Points when you spend $12,000 in the first 3 months. That's enough for $1,350 worth of travel with Webjet based on details listed on the American Express website.

Can I earn reward points for BPAY payments?

It's unlikely but does depend on the rewards program and credit card provider. For example CommBank, Westpac, St.George and Virgin Money all list BPAY payments as ineligible to earn rewards. While other credit card issuers (such as ANZ) doesn't specifically list BPAY transactions as ineligible for points, that doesn't mean you will earn points. Or that you'll be able to use a credit card for a BPAY payment. Check the terms and conditions or ask your provider for details specific to your card.

Which rewards credit cards won a Finder Award in 2025?

Each year the Finder Credit Card Awards recognises Australia's top credit cards, with expert analysis of rates, fees and offers based on 12 months' worth of data. In 2025 the ANZ Rewards Black Credit Card took out the top spot in the rewards credit card category with its very compelling offer. The card's high earn rate and hefty bonus points sign-up offer and other benefits made it a strong winner this year. The NAB Rewards Signature Card received a highly commended placing in the reward category, as did the Amplify Signature Cards from St.George , Bank of Melbourne and BankSA (these 3 cards were identical).

How do I redeem credit card reward points?

Every rewards program is different, but here's a general guide to the process of redeeming points: Log into your account Browse the rewards and choose one you want Check that you have enough points or can use points plus pay Confirm the details and follow the prompts to complete your redemption

Who can apply for a rewards credit card?

Anyone aged over 18 can apply for a credit card when they meet the bank or lender's eligibility criteria. This typically includes: Minimum income requirement. This can range from $35,000 per year for a basic rewards card to over $100,000 for a premium card. Even when there is no specific minimum income amount listed, your income will need to be enough to manage at least the minimum credit limit, account fees and interest charges. New cardholder status. Many introductory offers require you to be a new cardholder that hasn't held a similar card (or one from the same brand) in the past 12-18 months. Residency status. Some lenders require you to be a citizen or permanent resident, while others allow visa holders and temporary residents to apply as well. Credit history. All credit cards require you to have a good credit history and not be an undischarged bankrupt or have any judgements against you. If you're eligible to apply, you'll also be required to provide documents including payslips and proof of identification. The provider will then assess the details you provide to determine whether you'll be approved based on their criteria and responsible lending requirements.

How can I meet the minimum spend requirements for bonus points?

With most credit card bonus points offers, you need to spend a certain amount in the first few months or over another period of time. It's important to only spend what you can afford to pay off so you don't end up with interest charges that take value away from the points. Here are examples of different ways to meet the minimum spend requirements. Booking travel Buying major household items (e.g. a lounge or fridge) Buying a new laptop, tablet, phone or other tech Pre-paying your health insurance or other bills Paying for car services or repairs Seasonal shopping (e.g. school holidays, Christmas) Paying for everyday expenses (e.g. groceries, fuel, subscriptions) Bonus points are typically added to your account within 1-12 weeks of when you meet the spend requirement. But it depends on the offer. You can check the fine print or call the credit card company to find out when points will be added to your account.

Are rewards credit card worth it?

It's worthwhile if you get more value from rewards than what you're paying for the account. This makes rewards cards more suited to people who already use a credit card regularly and/or can repay what they spend each month. When comparing your options, ask the following questions: How much is the annual fee? Reward and frequent flyer credit card annual fees can quickly outweigh the value of rewards, even if you're getting thousands of bonus points. What are the potential interest costs? Estimate how much you could end up paying if you carry a balance on the card to decide if the risk is worth it for you. For example, if a credit card had a 19.99% p.a. purchase rate, a minimum spend requirement of $3,000 in 3 months to get bonus points and it took you 6 months to pay that amount off, you'd be charged around $177 in interest. How much are the points worth? Look at the value of the points based on what rewards you want to redeem. For example, if 100,000 bonus points was worth $500 in digital gift cards, that could help justify a card's annual fee. It's worth looking at a few reward options for any card offering bonus points. You can also calculate the dollar value of your points . When do you want to use your points? The time it takes for you to earn enough points for your ideal reward could be a few weeks. But it could be a lot longer if you're saving up points per $1 spent or waiting for a particular reward to become available (especially flight rewards). So it can be helpful to have a timeframe in mind, then work out how many points you'd realistically earn through the card.

What happens to reward points after a death?

Depending on the card and rewards program, the points could be transferred to another person, converted into a statement credit or cancelled. You can find details for your rewards program by looking at the terms and conditions, or by asking the provider. They should also let you know what options are available when they're notified of someone's death.

Justine Mclean, Editorial Review Board at Finder

Justine Mclean

Editorial Review Board

Justine Mclean is a business finance expert, author, speaker, financial educator and host of the Secrets of Successful Business podcast. With 30 years of experience in small business, Justine is on a mission to help business owners increase their financial literacy, build solid financial foundations and create profitable and sustainable businesses. Justine released her book Become A Business Money Magnet - Simple habits to manage your money and supercharge your profits in 2024; she is a registered BAS Agent, Ladies Finance Club Ambassador, and named one of Coach Foundation’s Top Female Business Coaches for 2022.

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