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Credit Card Features

Credit cards give you access to lots of different features. Find out what the most important ones are here.

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All credit cards work in a similar way, allowing you to spend up to a certain amount and then pay it back over time – usually with interest charges. But what sets them apart are the different card features, including interest rates, annual fees, introductory offers and rewards.

Understanding these different types of features (whether standard or unique to the card) can help you choose a credit card that’s right for your circumstances. If you know how they work, you can also use your card in a way that’s affordable. So, let's look at what you need to know about both the basic and extra features that credit cards offer.

  • Credit limits

When you apply for a credit card, you can choose a credit limit or elect to get the maximum amount of credit available to you. The credit limit you're approved for is based on a range of factors, including your income, credit history and other details on your application. Once you have a credit card, you can apply for a higher or lower credit limit. Again, this is subject to lending criteria and eligibility.

Your credit limit can also be affected by the card's minimum and maximum credit limits options. For example, if a card has a minimum credit limit of $1,000, you couldn't request a limit lower than that amount. On the flipside, if a card offered a maximum limit of $15,000, you couldn't request a limit higher than that.

  • Statements and credit card repayments

If you want to keep cost down you should pay your credit card balance in full each month. However, credit card providers also list a minimum repayment amount worth 2-3% of the closing balance. If you only pay this minimum amount, it can take years to pay off your credit card and cost hundreds or thousands of dollars in interest.

Your credit card statement includes details of how long it would take to pay off your balance if you only made the minimum payment each month. It also has information about how to make credit card repayments. Two common methods include BPAY and bank transfers. Statements can be emailed or accessed via Internet banking. They can also be physically mailed to you, although there may be an additional fee for printed statements.

  • Interest rates

There are two main credit card interest rates: the purchase and the cash advance rate. The purchase interest rate applies to most everyday transactions and ranges from around 9% p.a. to 22% p.a. Low rate credit cards have the lowest standard variable interest rates for purchases.

The cash advance interest rate applies when you use your credit card to withdraw cash from an ATM, or for other “cash equivalent” payments such as buying foreign currency or gambling. Cash advance interest rates are almost always higher than the purchase rate, typically around 19-22% p.a. for most cards. Cash advances are also ineligible for interest-free days.

  • Interest-free days

Nearly all credit cards offer up to a number of interest-free days on purchases, such as “up to 55 days”, when you pay your card off in full by the statement due date. If you meet this requirement, the interest-free period begins on the first day of your statement cycle and typically ends on the statement due date.

If you don’t pay the full amount off by the due date, the purchase rate of interest will apply to transactions made during the previous statement period, from the day that each transaction was made. You may then have to wait another statement cycle to be eligible for interest-free days again.

  • Promotional offers

Promotional or introductory offers are designed to provide benefits to new customers for a limited time. Credit cards can have more than one of these value-adding deals:

  • Balance transfer offers. Move your debt to a new credit card and get a 0% interest rate for an introductory period. You can save money on interest repayments and use the extra money to pay off your credit card sooner. At the end of the promotion, a standard variable rate will apply to any debt remaining from the transfer (typically the cash advance rate or purchase rate for that card).
  • Purchase rate offers. Pay low or 0% interest for an introductory period when you use the card to shop and pay for services, like when on holiday. Be sure to pay back what you’ve spent by the end of the intro period – your credit card repayments will increase if you’re carrying an unpaid balance.
  • Bonus points offers. Lots of reward and frequent flyer credit cards include bonus points offers that can give you thousands of points during the introductory period. You usually need to apply during the offer period, then meet a spend requirement to collect these points. As well as boosting your reward balance, bonus point offers can help justify a card's annual fee – at least in the first year.
  • Cashback offers. Sometimes you can get cashback on your account when you start using a new credit card. With this type of introductory offer, you usually need to spend a set amount during the introductory period to get a set amount of cashback.
  • Reduced or $0 annual fees. No annual fee credit cards can often feature competitive balance transfer and purchase rate offers. Be cautious of no annual fee in the first year credit cards with rewards. You must spend much more in the second year if you want to use rewards to break even on the cost of the credit card.
  • Security and fraud protection

Financial institutions protect your account in a couple of ways. You’ll need to have kept your account information private and must not have contributed to the loss to be eligible to claim for credit card fraud:

  • No liability guarantees. Credit card transactions are protected by the card scheme and the issuer. Visa, Mastercard and American Express guarantee you won’t be liable for unauthorised transactions.
  • Anti-fraud programs. Banks, credit unions and credit card issuers all have teams to monitor your account for suspicious activity in real time. Your card can be blocked and any lost funds recovered.
  • Contactless payments

Instead of swiping or inserting your credit card at the checkout, you now have the following tap-and-go options:

  • Contactless card payments. Tap your card against the point of sale terminal to make purchases under $100 in seconds. Like all purchases, contactless transactions are guaranteed by the card scheme (Visa, Mastercard or American Express).
  • Mobile contactless payments. Mobile payments technology and digital wallets let you make a payment either by swiping a badge attached to the back of your phone or using your device’s NFC. As well as internal mobile contactless payment technologies offered by banks, Australian cardholders can also use Apple Pay, Google Pay and Samsung Pay to make mobile payments.
  • Rewards and frequent flyer programs

Some credit cards let you earn rewards points for every dollar you spend, which can be an easy way to rack up rewards for using your card. These cards generally come with higher annual fees and interest rates, though. So it’s important to compare your options and make sure the value of the rewards program outweighs the costs.

As there are different types of rewards credit cards on the market, you should be able to find one that rewards how you spend on your card. The three main types to consider include:

  • Rewards cards. Rewards credit cards are linked to the credit card issuer’s rewards program, like CommBank Awards or Westpac Amplify Rewards, and usually earn points for every $1 spent. These points can then be redeemed for flights with partner airlines, gift cards, cashback and other merchandise. Some rewards credit cards give you the option of converting your points to partnered frequent flyer programs. While this gives your rewards more flexibility, the conversion rate from rewards points to frequent flyer points is less competitive than if you were earning them on a frequent flyer credit card.
  • Frequent flyer cards. Frequent flyer credit cards are directly linked to an airline’s loyalty program, for example Velocity or Qantas. These cards earn frequent flyer points per $1 spent, and may offer bonus points for spending with the affiliated airline or other program partners. They often also feature other travel-related perks, such as complimentary flights and airport lounge access.
  • Store credit cards. Some rewards credit cards are directly linked to particular stores, brands or shopping loyalty programs. This category is currently dominated by the flybuys rewards program, but also includes David Jones credit cards, Myer credit cards and Woolworths credit cards. These cards may also offer other benefits, such as complimentary delivery for online shopping, in-store gift-wrapping services or VIP events.
  • Complimentary insurances

Premium gold, platinum and black credit cards feature complimentary insurances for when you travel and make important purchases. The range of coverage varies but often includes:

  • International travel insurance. Generally provides hospital and medical cover as well as luggage contents insurance for you and your family when travelling overseas. Usually you are eligible for cover when you charge the cost of your overseas travel ticket to an eligible credit card with complimentary international travel insurance.
  • Interstate flight inconvenience insurance. Covers the cost of domestic flight delays and cancellations for domestic trips 7-14 days in length.
  • Purchase protection. Covers items you buy with the card anywhere in the world for theft, loss and damage for up to three months. There’s usually a maximum limit on the benefit that the insurer will pay in a 12-month period.
  • Concierge services. A credit card concierge can take the stress out of last-minute reservations and bookings when you’re at home or abroad. This feature is included with platinum and black credit cards.
  • Standard costs

Make sure you also consider these common credit card costs:

  • Annual fee. Charged to the first statement period, the annual fee will accrue interest at the purchase rate if you don’t pay it in the first month. Compare no annual fee credit cards if you want to cut costs and don’t care much for insurance extras or a high reward earn rate.
  • Interest rates. Remember that there are different interest rates for cash and purchase transactions. Interest is based on your daily balance and charged to your account monthly. It is deducted from your available credit limit every month.
  • Cash advance fees. As well as high interest charges, cash advance transactions such as paying some bills and ATM withdrawals attract a cash advance fee worth around 2-4% of the total transaction amount.
  • Currency conversion fee. Most cards charge a fee worth around 2-3% of each transaction made in a foreign currency. This fee can also apply when you're shopping online with retailers that are based overseas.
  • Late payment fees. A fee for when you don’t make at least the minimum repayment on your credit card.
  • Additional cardholder fee. You may pay an additional annual fee for each supplementary card issued.

Whether you’re looking for a new card or want to get more out of the one you already have, it’s important to understand the range of features so that you can make your credit card work for you. If you have a question about credit card features and using a credit card, ask us using the form at the bottom of this page.

Compare current credit card offers

Data indicated here is updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 12 months
0% Purchase & Balance Transfer Offers
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Citi Rewards Card - Balance Transfer Offer
21.49% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($199 p.a. thereafter)
0% p.a. for 30 months with 1.5% balance transfer fee
0% Balance Transfer Offer & $0 First Year Annual Fee
Save with 0% interest on balance transfers for the first 30 months (with a 1.5% BT fee) and a $0 annual fee for the first year.
Qantas American Express Premium Card
20.74% p.a.
Up to 44 days on purchases
$249
100,000 Bonus Points & 50 Status Credits
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($58 p.a. thereafter)
0% p.a. for 25 months with 1.5% balance transfer fee
0% Balance Transfer Offer & $0 First Year Annual Fee
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
NAB Qantas Rewards Signature Card
19.99% p.a.
Up to 44 days on purchases
$295 annual fee for the first year ($395 p.a. thereafter)
0% p.a. for 6 months with 2% balance transfer fee
Up to 130,000 bonus Qantas Points & 75 bonus Status Credits
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
Up to 55 days on purchases
$99 annual fee for the first year ($199 p.a. thereafter)
0% p.a. for 12 months
$500 e-voucher and Discounted First Year Annual Fee Offer
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
Up to 55 days on purchases
$64 annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 22 months
$129 Gift Voucher & Balance Transfer Offer
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
Up to 55 days on purchases
$129
0% p.a. for 22 months
0% Balance Transfer Offer & Annual Fee Refund
Enjoy a 22-month balance transfer offer, travel insurance and an annual fee refund when you spend an eligible $6k/year.
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($87 p.a. thereafter)
20.24% p.a.
0% Purchase Offer & $0 First Year Annual Fee
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
Citi Rewards Card - flybuys Offer
21.49% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($149 p.a. thereafter)
0% p.a. for 15 months with 1% balance transfer fee
75,000 Bonus Points & $100 Kmart eGift Card
Receive 75,000 bonus flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
Westpac Low Rate Card
13.74% p.a.
Up to 55 days on purchases
$59
0% p.a. for 20 months with 1% balance transfer fee
Long-Term Balance Transfer Offer & $200 Cashback
A low rate card offering 0% p.a. interest on balance transfers for the first 20 months and a $200 cashback offer.
Bankwest Breeze Classic Mastercard
0% for 15 months, reverts to 10.99% p.a.
Up to 55 days on purchases
$49
2.99% p.a. for 9 months
0% Purchase Rate Offer
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
Qantas Premier Platinum
19.99% p.a.
Up to 55 days on purchases
$199 annual fee for the first year ($299 p.a. thereafter)
0% p.a. for 18 months with 1% balance transfer fee
Balance Transfer Offer & 100,000 Bonus Points
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
Citi Clear Card
0.9% for 15 months, reverts to 14.99% p.a.
Up to 55 days on purchases
$99
0.9% p.a. for 15 months
0.9% Purchase & Balance Transfer Offers
Save with 0.9% p.a. for 15 months on purchases and balance transfers. Plus, complimentary purchase insurance cover.
St.George Amplify Platinum - Qantas
19.74% p.a.
Up to 55 days on purchases
$99
0% p.a. for 15 months with 1% balance transfer fee
Balance Transfer Offer & 70,000 Bonus Points
Earn 70,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months and complimentary insurance covers.
Bankwest Zero Platinum Mastercard
17.99% p.a.
Up to 55 days on purchases
$0
2.99% p.a. for 9 months
No Annual Fee & 0% Foreign Transaction Fees
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
Westpac Altitude Platinum Qantas
20.49% p.a.
Up to 45 days on purchases
$99 annual fee for the first year ($200 p.a. thereafter)
0% p.a. for 18 months with 1% balance transfer fee
Balance Transfer Offer & 60,000 Bonus Points
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
Coles Rewards Mastercard - Exclusive Offer
19.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 18 months with 1.5% balance transfer fee
$0 First Year Annual Fee & $100 off a Coles Supermarket shop
Finder Exclusive. Ends 29 October 2020
Save with $100 off a Coles Supermarket shop and a $0 first-year annual fee. Plus, 0% p.a. on balance transfers for 18 months (1.5% fee applies).
ANZ Frequent Flyer Black
20.24% p.a.
Up to 55 days on purchases
$425
20.24% p.a.
120,000 Bonus Points & $200 back
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
St.George Vertigo Classic
0% for 7 months, reverts to 13.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 22 months with 1.5% balance transfer fee
0% Purchase Rate & 0% Balance Transfer Offers
Get 0% p.a. promotional purchase and balance transfer rates and save with a first-year annual fee waiver.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% for 14 months, reverts to 20.74% p.a.
Up to 55 days on purchases
$64 annual fee for the first year ($129 p.a. thereafter)
0% p.a. for 6 months
0% for 14 months Purchase Offer with Virgin Australia Gift Voucher
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first-year annual fee and Velocity Points per $1 spent.
American Express Qantas Business Rewards Card
N/A
Up to 51 days on purchases
$450
120,000 Bonus Points Offer
ABN holders w/ $75,000 revenue. Get 120,000 bonus points, 3x points on eligible Qantas flights & 2 lounge passes per year.
Bendigo Bank Low Rate Mastercard
0% for 15 months, reverts to 11.99% p.a.
Up to 55 days on purchases
$45
13.99% p.a.
0% Interest Rate & $150 Woolworths Gift Card Offer
Get 0% p.a. interest on purchases for 15 months and a $150 Woolworths Supermarket gift card when you spend $1,000 in the first 90 days.
NAB Low Rate Credit Card
12.99% p.a.
Up to 55 days on purchases
$59
0% p.a. for 20 months with 2% balance transfer fee
0% Balance Transfer Offer
Get a 0% p.a. interest rate for 20 months on balance transfers, Visa Offers + Perks and a competitive $59 ongoing annual fee.
Virgin Money No Annual Fee Credit Card
18.99% p.a.
Up to 55 days on purchases
$0
0% p.a. for 12 months
No Annual Fee & 0% Balance Transfer Offer
Offers 0% p.a. for 12 months on balance transfers and up to 55 days interest-free on purchases, all for a $0 annual fee.
HSBC Platinum Qantas Credit Card
19.99% p.a.
Up to 55 days on purchases
$99
0% p.a. for 12 months
0% Balance Transfer Offer
Receive 20,000 bonus Qantas Points and a long-term balance transfer offer. Plus, complimentary travel insurance.
Bank of Melbourne Vertigo Classic
0% for 7 months, reverts to 13.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 22 months with 1.5% balance transfer fee
0% Purchase Rate & 0% Balance Transfer Offers
Save with 0% p.a. for 7 months on purchases, 0% p.a. interest for 22 months on balance transfers and a $0 first-year annual fee.
St.George Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
Up to 55 days on purchases
$49 annual fee for the first year ($99 p.a. thereafter)
6.99% p.a. for 12 months
0% Purchase Rate Offer & First Year Annual Fee Discount
Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers.
NAB Rewards Business Signature Card
18.5% p.a.
Up to 44 days on purchases
$175
Business Credit Card Offer
Earn 100,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening. ABN required.
BankSA Vertigo
0% for 7 months, reverts to 13.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 22 months with 1.5% balance transfer fee
0% Purchase Rate & 0% Balance Transfer Offers
Enjoy a 0% p.a. for up to 22 months on balance transfers and up to 7 months on purchases. Plus, $0 first-year annual fee.
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Compare up to 4 providers

Data indicated here is updated regularly
$
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
Coles No Annual Fee Mastercard - Exclusive Offer
0% p.a. for 12 months
0% for 12 months, reverts to 19.99% p.a.
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Citi Rewards Card - Balance Transfer Offer
0% p.a. for 30 months with 1.5% balance transfer fee
21.49% p.a.
$0 annual fee for the first year ($199 p.a. thereafter)
Save with 0% interest on balance transfers for the first 30 months (with a 1.5% BT fee) and a $0 annual fee for the first year.
ANZ Low Rate
0% p.a. for 25 months with 1.5% balance transfer fee
12.49% p.a.
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 22 months
20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.
HSBC Platinum Credit Card - Balance Transfer Offer
0% p.a. for 22 months
19.99% p.a.
$129
Enjoy a 22-month balance transfer offer, travel insurance and an annual fee refund when you spend an eligible $6k/year.
Citi Rewards Card - $500 Voucher Offer
0% p.a. for 12 months
21.49% p.a.
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
Citi Clear Card
0.9% p.a. for 15 months
0.9% for 15 months, reverts to 14.99% p.a.
$99
Save with 0.9% p.a. for 15 months on purchases and balance transfers. Plus, complimentary purchase insurance cover.
Bankwest Breeze Classic Mastercard
2.99% p.a. for 9 months
0% for 15 months, reverts to 10.99% p.a.
$49
Save with an introductory rate of 0% p.a on purchases for 15 months and 2.99% p.a. on balance transfers for 9 months.
Virgin Money No Annual Fee Credit Card
0% p.a. for 12 months
18.99% p.a.
$0
Offers 0% p.a. for 12 months on balance transfers and up to 55 days interest-free on purchases, all for a $0 annual fee.
Citi Rewards Card - flybuys Offer
0% p.a. for 15 months with 1% balance transfer fee
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 75,000 bonus flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
Westpac Low Rate Card
0% p.a. for 20 months with 1% balance transfer fee
13.74% p.a.
$59
A low rate card offering 0% p.a. interest on balance transfers for the first 20 months and a $200 cashback offer.
Coles Rewards Mastercard - Exclusive Offer
0% p.a. for 18 months with 1.5% balance transfer fee
19.99% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Finder Exclusive. Ends 29 October 2020
Save with $100 off a Coles Supermarket shop and a $0 first-year annual fee. Plus, 0% p.a. on balance transfers for 18 months (1.5% fee applies).
HSBC Platinum Qantas Credit Card
0% p.a. for 12 months
19.99% p.a.
$99
Receive 20,000 bonus Qantas Points and a long-term balance transfer offer. Plus, complimentary travel insurance.
Bankwest Zero Platinum Mastercard
2.99% p.a. for 9 months
17.99% p.a.
$0
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
Qantas Premier Platinum
0% p.a. for 18 months with 1% balance transfer fee
19.99% p.a.
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
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Compare up to 4 providers

Data indicated here is updated regularly
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
Qantas American Express Premium Card
100,000
Qantas Frequent Flyer
1
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year.
NAB Qantas Rewards Signature Card
130,000
Qantas Frequent Flyer
1
19.99% p.a.
$295 annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
Qantas Premier Platinum
100,000
Qantas Frequent Flyer
1
19.99% p.a.
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
ANZ Frequent Flyer Black
120,000
Qantas Frequent Flyer
1
20.24% p.a.
$425
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
Citi Rewards Card - flybuys Offer
75,000
flybuys,Citi Rewards Program
1
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 75,000 bonus flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
Westpac Altitude Platinum Qantas
60,000
Qantas Frequent Flyer
0.5
20.49% p.a.
$99 annual fee for the first year ($200 p.a. thereafter)
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
Citi Rewards Card - $500 Voucher Offer
N/A
Citi Rewards Program
1
21.49% p.a.
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
Suncorp Clear Options Platinum Credit Card
100,000
Suncorp Bank Rewards Program
1.25
20.74% p.a.
$129
Earn 100,000 bonus points when you spend $3,000 in the first 90 days. Plus, complimentary insurance covers included.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
30,000
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.
American Express Qantas Business Rewards Card
120,000
Qantas Business Rewards
1.25
N/A
$450
ABN holders w/ $75,000 revenue. Get 120,000 bonus points, 3x points on eligible Qantas flights & 2 lounge passes per year.
St.George Amplify Platinum - Qantas
70,000
Qantas Frequent Flyer
0.5
19.74% p.a.
$99
Earn 70,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months and complimentary insurance covers.
HSBC Platinum Qantas Credit Card
20,000
Qantas Frequent Flyer
1
19.99% p.a.
$99
Receive 20,000 bonus Qantas Points and a long-term balance transfer offer. Plus, complimentary travel insurance.
NAB Rewards Business Signature Card
100,000
NAB Rewards
1.25
18.5% p.a.
$175
Earn 100,000 bonus points when you spend $4,000 on everyday business purchases in the first 60 days of account opening. ABN required.
Bank of Melbourne Amplify Platinum - Qantas
70,000
Qantas Frequent Flyer
0.5
19.74% p.a.
$99
Receive 70,000 bonus Qantas Points when you spend $1,500 each month for the first 3 months and earn up to 0.5 Qantas Points per $1 spent.
BankSA Amplify Platinum - Qantas
70,000
Qantas Frequent Flyer
0.5
19.74% p.a.
$99
Receive 70,000 bonus Qantas Points when you spend $1,500 each month for the first 3 months. Plus a 0% balance transfer offer.
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