Finder Awards 2021 Best Rewards Credit Card

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See the full list of Finder Awards 2021 winners


Here's how our expert analysts assessed the Best Best Rewards Credit Card category to pick the 2021 winner.

Selection Criteria

  • The card must award a rewards program but NOT direct Qantas or Virgin points.
  • Card must not require loans or specific amounts of savings as eligibility criteria.
  • Rewards gift cards must be usable in multiple retail outlets.
  • Card must offer gift card choice - points earned at the standard rate on general purchases must be exchangeable for gift cards in more than one retailer at the same rate.


  • Tiebreakers are ranked by the lowest interest rate


  • Annual fee 25%
  • Purchase interest rate 5%
  • Points cap 5%
  • Signup and minimum spend bonus points 20%
  • Max international transaction fee 5%
  • Spend required for $100 voucher 40%

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