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Rewards debit cards Australia

You don't need an expensive credit card. You can get rewards with your debit card including points, cashback offers and waived fees.

Name Monthly fee Govt. Guarantee Own network ATM fee Card type
ING Orange Everyday Account
Apple Pay Google Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
1% cashback on utility bills (T&Cs apply)
HSBC Everyday Global Account
Finder AwardApple Pay Google Pay10 Currencies
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Earn 2% cashback on tap and pay purchases.


Virgin Money Go Account
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
Earn Virgin Money Points as you spend with your debit card
NAB Classic Banking with Platinum Visa Debit Card
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$10
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
Complimentary travel insurance and cashback on tap and go purchases
Bankwest Qantas Transaction Account
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$6
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
More Info
Earn Qantas Points on eligible purchases and your daily account balance

Australian Military Bank Military Rewards Account
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$4
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
Earn 1% cashback on tap and go purchases under $100, up to the value of $25 a month
Commonwealth Bank Smart Access
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$4
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
More Info
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What is a rewards debit card?

A rewards debit card is just a standard debit card that offers a little something extra in the form of a reward, special offer or perk. Common examples include a cash bonus when you create an account, cashback on your spending or having some fees waived when you meet a monthly deposit requirement. Other debit cards will offer things like cashback on bill payments or reward points that you can use at partnering brands.

Examples of debit cards with rewards

Banks are changing their rewards and offers all the time, but here are a few current examples:

What types of rewards can I get with a debit card?

Here are the most common types of rewards you can get:

Points when you spend.

You can earn points when ou spend money. This could be points for a particular frequent flyer program, or the bank's own points program.

Cash bonus.

You can get a onr-off cash bonus straight into your account when you open a new bank account. These range from $20 to more than $100.

Cashback offers.

You can earn cashback when you use your debit card, such as 1% of the transaction amount back into your account.

Fees waived.

Some accounts will waive certain fees if you meet some conditions, such as waiving the account fee if you're a student, or waiving the international transaction fee if you meet a monthly deposit condition.

How do I compare debit cards that offer rewards?

  • Fees. Don't get caught up in the rewards alone! Remember to check to see if there's a monthly account keeping fee, and other fees like ATM fees.
  • Joint accounts. If you want to open a shared account with someone, not all accounts can be opened as a joint bank account.
  • ATM access. Although cash withdrawals are usually not a part of the rewards program, you will still want to be able to easily access funds without having to pay extra fees.
  • Daily limits. Look closely to ensure that you are not limited in how much you can purchase daily using your reward debit card.

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2 Responses

    Default Gravatar
    BrettOctober 14, 2016

    who is now offering the cash back on the debit cards 5% ING , ME , CITYBANK have finished is there any body else currently , thanks

      AvatarFinder
      ShirleyOctober 14, 2016Finder

      Hi Brett,

      Thanks for your question.

      To our knowledge, the Australian Military Bank Rewards account offers 2% cash back on purchase (conditions apply). To be eligible, you need to be a member of the bank.

      I hope this has helped.

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