Sign-Up Bonus Credit Cards

Sign-up bonus credit cards provide attractive initiation offers featuring bonus points, complimentary flights, $0 annual fees, promotional interest rates and other perks.

On closer inspection, however, it is also apparent that the interest rates on additional purchases and card fees are higher compared to other credit cards. Some cards will waive card fees as a sign-up bonus for a specific period of time, but then may not offer as many rewards, while others offer a 0% interest for a specific period on balance transfers.

If you look at a special offer and consider all the factors, and feel that you can utilise the special bonus offers effectively while saving money or gain rewards that you will use, a sign-up bonus can be great. Do not, however, move without weighing up all the pros and cons as this could leave you paying more at the end of the day.

Sponsorship - HSBC Platinum Qantas Credit Card- FF - PE-32694

Bonus Points Credit Card Offer

Earn Qantas Points with HSBC Platinum Qantas Credit Card and benefit with complimentary insurance covers.

  • Receive 60,000 bonus Qantas Points when you spend $3,000 on eligible purchases within the first three months from card approval.
  • Earn 1 Qantas Point per $1 spent up to $2,500 per statement period when you use your card on eligible purchases made in Australia and overseas and earn 0.5 Qantas Points per $1 spent thereafter.
  • Enjoy complimentary international travel insurance.
  • Up to 55 days interest-free on purchases when you pay the full closing balance (including any balance transfer amount) by the statement due date.
  • Offer available to new and approved applicants who apply by 31 December 2016.

    Compare credit cards with bonus points on sign-up

    Rates last updated December 5th, 2016.

    American Express Explorer Credit Card

    100,000 bonus points and balance transfer offers have been extended until 30 January 2017.

    November 29th, 2016

    ANZ Frequent Flyer

    25,000 bonus points extension with $2,500 minimum spend + annual fee waiver for the first year.

    November 29th, 2016

    ANZ Frequent Flyer Black

    75,000 bonus points extension with $2,500 minimum spend + annual fee waiver for the first year.

    November 29th, 2016

    View latest updates

    Jonathan Choi Jonathan
    Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
    HSBC Platinum Qantas Credit Card
    Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
    0 1 60,000 bonus points $199 p.a. Go to site More info
    NAB Qantas Rewards Premium Card - Exclusive Offer
    Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
    1.5 0.5 75,000 bonus points $250 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
    0 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    American Express Explorer Credit Card
    Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
    2 100,000 bonus points $395 p.a. Go to site More info
    American Express Platinum Edge Credit Card
    Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
    1 0 10,000 bonus points $195 p.a. Go to site More info
    American Express Velocity Escape Card
    Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
    1 0 7,500 bonus points $0 p.a. Go to site More info
    ANZ Rewards Black Credit Card
    Earn 75,000 Reward Points after your first eligible purchase within the first three months. Up to 3 reward points per dollar spent and unlimited access to airport lounges with complimentary travel insurance.
    3 1.25 75,000 bonus points $375 p.a. Go to site More info
    Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
    Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
    0 1 30,000 bonus points $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
    ANZ Frequent Flyer Platinum
    Earn up to 1.5 Qantas Frequent Flyer points per $1 spent on purchases, receive 50,000 Qantas Points when you spend $2,500 on eligible purchases in the first three months. Plus, enjoy a waived annual fee for the first year.
    1.5 0.5 50,000 bonus points $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
    ANZ Frequent Flyer
    Receive 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Plus enjoy a waived annual fee for the first year.
    1 0.5 25,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
    American Express Qantas Discovery Card
    Earn up to 7,500 bonus points on this no annual fee credit card.
    1 0 7,500 bonus points $0 p.a. Go to site More info
    ANZ Frequent Flyer Black
    Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
    1.5 0.75 75,000 bonus points $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
    ANZ Rewards Platinum
    Receive 50,000 bonus Reward Points after your first eligible purchase is made within 3 months of card approval and earn up 2 Reward Points for every dollar spent on purchases.
    2 1 50,000 bonus points $95 p.a. Go to site More info
    Citi Qantas Signature Credit Card
    Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
    0 1 50,000 bonus points $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
    American Express Qantas Premium Card
    Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
    1 0 30,000 bonus points $249 p.a. Go to site More info
    Citi Rewards Credit Card - Platinum Card
    Enjoy a reduced annual fee on the first year, 0% p.a. for 24 months balance transfer offer, Citi Reward Points on eligible spend, plus a complimentary travel insurance.
    0 1.25 $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
    Citi Rewards Credit Card - Signature
    Receive 75,000 bonus Reward Points on eligible spend. A range of complimentary insurances.
    0 1.5 75,000 bonus points $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
    NAB Velocity Rewards Card
    This card offers a 15,000 bonus Velocity Points plus a low interest rate of 0% p.a. on purchases and balance transfers for 15 months.
    1 0.5 15,000 bonus points $95 p.a. Go to site More info
    American Express Velocity Platinum Card
    Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
    1 0 50,000 bonus points $349 p.a. Go to site More info
    BankSA Amplify Signature
    Receive 30,000 bonus points and enjoy a long term balance transfer offer of 0% p.a. for 18 months, plus a purchase offer of 1% p.a. for 12 months and $0 annual fee for the first year.
    0 1.5 30,000 bonus points $0 p.a. annual fee for the first year ($279 p.a. thereafter) Go to site More info
    American Express Qantas Ultimate Card
    Enjoy up to 100,000 bonus Qantas Points on eligible spend, earn up to 3 Qantas Points for every $1 spent and get a free return flight every year.
    1 0 100,000 bonus points $450 p.a. Go to site More info
    Emirates Citi World MasterCard
    Receive 40,000 bonus points and enjoy up to 10% off Emirates flights when you meet the spend requirement. Also pay a reduced annual fee for the first year.
    0 1 40,000 bonus points $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
    ANZ Rewards Credit Card
    Get 25,000 bonus Reward Points after your first eligible purchase is made within 3 months of card approval and earn 1.5 points per dollar spent.
    1.5 0.75 25,000 bonus points $80 p.a. Go to site More info
    American Express Platinum Card
    Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
    1 0 100,000 bonus points $1,200 p.a. Go to site More info
    David Jones American Express
    Receive 30,000 Membership Rewards points and earn up to 3 Rewards points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
    1 30,000 bonus points $99 p.a. Go to site More info
    American Express Gold Business Card
    Apply online to receive 10,000 Membership Rewards Bonus Points. Keep track of your business expenses with a dedicated business credit card.
    1 0 10,000 bonus points $169 p.a. Go to site More info
    American Express Platinum Business Card
    Provides easy tracking and management of business expenses. Also earn 100,000 bonus points when you meet the minimum spend requirement.
    1 0 100,000 bonus points $1,500 p.a. Go to site More info
    Citi Prestige Card
    Receive 70,000 bonus points on your first spend and a low interest rate on balance transfers.
    2 70,000 bonus points $700 p.a. Go to site More info
    Bank of Melbourne Amplify Signature
    Receive 30,000 bonus points when you meet the minimum spend. Also enjoy low introductory offers on purchases and balance transfers combined with no annual fee in the first year.
    0 1.5 30,000 bonus points $0 p.a. annual fee for the first year ($279 p.a. thereafter) Go to site More info
    Bank of Melbourne Amplify Platinum
    A long term balance transfer offer of up to 18 months with a signup bonus points of 30,000 on eligible spend. Enjoy low interest rate on purchases combined with an annual fee waiver in the first year.
    0 1 30,000 bonus points $0 p.a. annual fee for the first year ($99 p.a. thereafter) Go to site More info
    St.George Amplify Signature
    Receive 30,000 sign-up bonus points, low introductory interest rates on purchases and balance transfers plus no annual fee for the first year.
    0 1.5 30,000 bonus points $0 p.a. annual fee for the first year ($279 p.a. thereafter) Go to site More info
    St.George Amplify Platinum
    This card features a 30,000 bonus points offer, introductory interest rates on balance transfers and purchases and an annual fee waiver for the first year.
    0 1 30,000 bonus points $0 p.a. annual fee for the first year ($99 p.a. thereafter) Go to site More info
    BankSA Amplify Platinum
    Receive bonus points and enjoy introductory offers on purchases and balance transfer, a generous earn rate, plus the ability to tailor your rewards with your choice of rewards programs.
    1 30,000 bonus points $0 p.a. annual fee for the first year ($99 p.a. thereafter) Go to site More info
    Westpac Altitude Black - Exclusive Offer
    Earn 100,000 bonus points when you spend $5,000 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
    3 1.25 100,000 bonus points $395 p.a. Go to site More info
    NAB Qantas Rewards Premium Card
    Get 25,000 bonus Qantas Points plus enjoy a low promotional offer of 0% p.a. for 15 months on purchases and balance transfers.
    1.5 0.5 25,000 bonus points $250 p.a. Go to site More info

    Cards to consider with cashback offer

    Rates last updated December 5th, 2016.

    ANZ Low Rate Platinum Credit Card

    A new offer of $250 Back and 0% p.a. for the first 6 months on purchases.

    October 12th, 2016

    ANZ Low Rate

    A new offer of $100 Back and 0% p.a. for the first 6 months on purchases.

    October 12th, 2016

    Virgin No Annual Fee Credit Card

    Balance transfer and $100 cashback offers have been extended to 16 January 2017.

    November 1st, 2016

    View latest updates

    Jonathan Choi Jonathan
    Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    American Express Essential Credit Card
    Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
    14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
    Virgin No Annual Fee Credit Card
    $100 cashback and a no annual fee card with balance transfer offer. Spend criteria applies for cashback offer.
    18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. Go to site More info
    Citi Rewards Platinum Card - Cashback Offer
    Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
    20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
    ANZ Low Rate
    $100 Back plus 0% p.a. for the first 6 months on purchases from approval.
    0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Go to site More info
    ANZ Low Rate Platinum Credit Card
    $250 Back plus 0% p.a. for the first 6 months on purchases from approval.
    0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
    Citi Simplicity Card
    Take advantage of the 0% p.a. for 9 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cashback on retail purchases.
    19.99% p.a. 0% p.a. for 9 months $0 p.a. Go to site More info
    Back to top

    Factors to consider with a sign-up bonus credit cards

    What crucial points should be compared with sign-up bonus credit cards?

    Interest rates are always a main focal point as lower rates over the long run could save you considerable money. Therefore, you will need to be sure that you understand the interest rate offered, and if low interest is only charged during specific time periods. Where cards are concentrating on frequent purchase rewards as the main special offer, be sure that the purchase rate is sustainable or that you pay your card in full every month so as not to pay interest. Looking at the long term impact of acquiring a new credit card is far safer than only going for the immediate short term rewards.

    Is a sign-up bonus credit card right for you?

    This question is dependent on every individuals specific circumstances, for example, if you have a high interest credit card with over $10'000 owing currently, and which you plan on paying off in less than a year, then a 0% transfer balance card for 9 months will be great. Or if you spend large amounts every month through your credit card, and pay the credit balance off very month i.e. using your card as a debit card, then frequent purchase specials will give you additional benefits for something you do anyway. Some people may already have a great card that has low interest and low fees, and moving for a sign-up bonus will not make sense.

    How and where can I apply for my sign-up bonus credit card?

    The simplest way to obtain a Sign-Up Bonus Credit Card is to look at the existing options available in the above comparison table. After comparing the credit cards and identifying the best credit card for you, click on the Apply button and continue to complete the form.

    Once approved, how long does it take before I can receive the sign-up bonus credit card?

    After approval, the specific bank will post your new Sign-Up Bonus Credit Card and you should receive it within a week. For security purposes, the credit cards are not activated until they are safely received. As soon as it has been activated you will be able to immediately use your credit card and earn reward points.

    Conclusion

    A Sign-Up Bonus Credit Card is a great way to use your purchasing power to your benefit as it can get you great rewards or save you from high interest instalments. The credit card companies will always make money, so no matter how good a deal looks, be sure you understand all the fine print, fees and conditions. It should always be your goal to eliminate or reduce credit card debt so do not be tempted to get in further debt for the sake of a sign-up bonus unless it serves your purposes.

    Back to top

    American Express Essential Credit Card
    American Express Essential Credit Card

    Interest rate

    14.99

    Annual fee

    0
    ME Bank frank Credit Card
    ME Bank frank Credit Card

    Interest rate

    11.99

    Annual fee

    0
    HSBC Platinum Credit Card
    HSBC Platinum Credit Card

    Interest rate

    19.99

    Annual fee

    149

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    2 Responses to Sign-Up Bonus Credit Cards

    1. Default Gravatar
      Melissa | November 19, 2016

      How and where can I apply?

      • Staff
        Jason | November 19, 2016

        Hi Melissa,

        Thank you for your enquiry.

        You may apply online by clicking the green ‘Go to site’ button of your preferred credit card. Just fill out the online form and follow the prompts on the card provider’s page to complete your application.

        Cheers,
        Jason

    Credit Cards Comparison

    Rates last updated December 5th, 2016
    Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
    20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    ME Bank frank Credit Card
    Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
    11.99% p.a. $0 p.a. Go to site More info
    HSBC Platinum Credit Card
    Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
    19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
    NAB Low Rate Credit Card
    The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
    0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
    HSBC Platinum Qantas Credit Card
    Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
    19.99% p.a. $199 p.a. Go to site More info

    * The credit card offers compared on this page are chosen from a range of credit cards finder.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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