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Credit Cards

Rewards Credit Cards & Rewards Points

Compare cards from Visa, Mastercard and American Express

  • Rewards Points for travel, airline miles
  • Vouchers and other shopping options available
  • Qantas Points direct earn options available

Try the Advanced Search - tailored to your spending habits.

Card Rewards Points Annual Fee Interest Rate Balance Transfer  
American Express Low Rate Credit Card
American Express Low Rate Credit Card
New
  • Ongoing Low Purchase Interest Rate
  • Free Additional Cardholders
  • Refund/ Purchase Protection
  $65 11.99% 0.99%for 6 months
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American Express Platinum Rewards Credit Card
American Express Platinum Rewards Credit Card
No Annual Fee First Year
  • No Annual Fee First Year
  • Complimentary Membership Rewards Program
  • Refund/ Purchase Protection
up to2 $80Save $80 20.74% 0.99%for 6 months
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American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 Bonus Velocity Reward Points
  • No Annual Fee
  • Earn Uncapped Velocity Points for every $1 spent
  • Free Additional Cardholders
up to2 $0Current Offer 20.74% 0.99%for 6 months
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American Express Velocity Gold Card
American Express Velocity Gold Card
15,000 Bonus Points + Pay Half Annual Fee
  • Earn Uncapped Velocity Points for every $1 spent
  • Free Additional Cardholders
  • Complimentary Insurances
up to2 $199Save $100 20.74% 0.99%for 6 months
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American Express Velocity Platinum Card
American Express Velocity Platinum Card
50,000 Bonus Velocity Reward Points
  • Earn Velocity Points for every $1 spent
  • Free Additional Cardholders
  • Complimentary Virgin Australia Domestic Flight Every Year
up to3 $349Current Offer 20.74% 0.99%for 6 months
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American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
10,000 Bonus points
  • Complimentary Return Domestic Flight every year
  • Range of Complimentary Insurances
  • Earn up to 3 Membership Reward Points per dollar
up to3 $195Current Offer 20.74% 0.99%for 6 months
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American Express Platinum Reserve Credit Card
American Express Platinum Reserve Credit Card
30,000 Bonus Membership Rewards Points Offer
  • Earn Membership Reward Points as you spend
  • Complimentary Insurances
  • Free Economy Return flight or 1 Night Hotel Stay per year
up to3 $395Current Offer 20.74% 0.99%for 6 months
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American Express Platinum Card
American Express Platinum Card
80,000 bonus points
  • No Interest - Pay Balance In Full Each Month
  • Earn Rewards Points as you spend
  • Platinum Travel Benefits
up to3 $1200Current Offer N/A -
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American Express Qantas American Express Discovery Credit Card
American Express Qantas American Express Discovery Credit Card
7,500 Bonus Qantas Points
  • Earn Uncapped Qantas Points for every $1 spent
  • No Annual Fee
  • Free Additional Cardholder
1 $0Current Offer 20.74% 0.99%for 6 months
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American Express Qantas American Express Premium Credit Card
American Express Qantas American Express Premium Credit Card
Reduced Annual Fee + 30,000 Bonus Points
  • Earn Qantas Points for every $1 spent
  • Complimentary Qantas Club Lounge Invitations
  • Domestic & Overseas Travel Insurance Included
up to2 $249Save $100 20.74% 0.99%for 6 months
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American Express Qantas American Express Ultimate Credit Card
American Express Qantas American Express Ultimate Credit Card
Up to 50,000 Bonus Qantas points + Reduced Annual Fee
  • Earn Qantas Points for every $1 spent
  • Complimentary Annual Qantas Domestic Return Economy Flight
  • Range of Included Travel Insurances
up to3 $450Save $200 20.74% 0.99%for 6 months
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Aussie Platinum Low Rate Card
Aussie Platinum Low Rate Card
0% Purchase Interest 5 months
  • Ongoing Low Interest Rate
  • Range of Complimentary Insurances
  $99Current Offer 0%
for 5 months
then 13.29%
-
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Bank of Melbourne Gold Low Rate Visa Card
Bank of Melbourne Gold Low Rate Visa Card
  • Range of Complimentary Insurance Covers
  • 3 Free Additional Cardholders
  $79 15.99% -
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Bank of Melbourne No Annual Fee Visa Card
Bank of Melbourne No Annual Fee Visa Card
  • No Annual Fee for life of card
  • 3 Free Additional Cardholders
  $0 20.49% -
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Bank of Melbourne Vertigo Credit Card
Bank of Melbourne Vertigo Credit Card
0% on Balance Transfers for 14 Months
  • Ongoing Low Purchase Interest Rate
  • Free Additional Cardholder
  • MasterCard PayPass Tap & Go
  $55Current Offer 13.24% 0%for 14 months
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Bank of Melbourne Amplify Credit Card
Bank of Melbourne Amplify Credit Card
  • Choose Amplify Rewards or Amplify Qantas
  • Complimentary Qantas Frequent Flyer Membership
  • Free Addtitional Cardholder
1 $79 18.74% 0.99%for 6 months
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Bank of Melbourne Platinum Visa Credit Card
Bank of Melbourne Platinum Visa Credit Card
  • Range of Complimentary Insurance Covers
  • 3 Free Additional Cardholders
  • Personal Concierge Service
  $89 15.99% 3.99%for 6 months
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BankSA Gold Low Rate Visa Card
BankSA Gold Low Rate Visa Card
  • Range of Complimentary Insurance Covers
  • 3 Free Additional; Cardholders
  $79 15.99% -
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BankSA No Annual Fee Visa Card
BankSA No Annual Fee Visa Card
  • No Annual Fee for life of card
  • 3 Free Additional; Cardholders
  $0 20.49% -
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BankSA Vertigo MasterCard
BankSA Vertigo MasterCard
0% on Balance Transfers for 14 Months
  • Ongoing Low Purchase Interest Rate
  • Free Additional Cardholder
  • MasterCard PayPass Tap & Go
  $55Current Offer 13.24% 0%for 14 months
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BankSA Amplify Credit Card
BankSA Amplify Credit Card
  • Choose Amplify Rewards or Amplify Qantas
  • Complimentary Qantas Frequent Flyer Membership
  • Free Addtitional Cardholder
1 $79 18.74% 0.99%for 6 months
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BankSA Platinum Visa Card
BankSA Platinum Visa Card
  • Range of Complimentary Insurance Covers
  • 3 Free Additional Cardholders
  • Personal Concierge Service
  $89 15.99% 3.99%for 6 months
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Citibank Select Credit Card
Citibank Select Credit Card
4.9% Balance Transfers & 60,000 Bonus Reward Points
  • Citibank Rewards or Citibank Qantas Rewards Program
  • Range of travel rewards
  • Free Additional Cardholders
2 $700Current Offer 20.74% 4.9%for 9 months
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Citibank Clear Platinum Credit Card
Citibank Clear Platinum Credit Card
0% Balance Transfers & Annual Fee Halved
  • Free bottle of wine when dining at partner restaurants
  • Range of Complimentary Insurances
  • Personal Concierge Service
  $99Save $50 12.99% 0%for 12 months
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Citibank Emirates Citibank Platinum Credit Card
Citibank Emirates Citibank Platinum Credit Card
3.9% Balance Transfers & 15,000 Bonus Skywards Miles
  • Earn Skywards Miles
  • Range of Complimentary Emirates Benefits
  • Redeem Skywards Miles on Emirates flights & partner airlines
1.5 $229Current Offer 20.99% 3.9%for 9 months
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Citibank Classic Rewards Credit Card
Citibank Classic Rewards Credit Card
Annual Fee Discount
  • Earn 1 Reward Point per $1 spent
  • Complimentary Purchase Cover Insurance & Guaranteed Pricing
  • Free Bottle of Wine when dining at partner restaurants
1 $89Save $45 20.99% 0.9%for 12 months
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Citibank Platinum Rewards Credit Card
Citibank Platinum Rewards Credit Card
0% Balance Transfers for 2 Years
  • Earn Up to 3 Rewards Points for every $1 spent
  • VISA Travel and Entertainment Deals
  • Range of Complimentary Insurances
up to3 $199Current Offer 20.99% 0%for 24 months
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Coles Rewards MasterCard
Coles Rewards MasterCard
  • Earn flybuys points for every $1 spent
  • Low Annual Fee
  • Redeem Instant Discounts at Coles Supermarkets
3 $49 19.99% -
More details...
Coles Rewards MasterCard Platinum
Coles Rewards MasterCard Platinum
  • Earn flybuys points for every $1 spent
  • Low Annual Fee
  • Redeem Instant Discounts at Coles Supermarkets
3 $49 19.99% -
More details...
Commonwealth Bank Low Fee Credit Card
Commonwealth Bank Low Fee Credit Card
Up to $200 Cash back
  • Low Annual Fee
  • Free Additional Cardholder
  • 24/7 emergency assistance overseas
  $24Current Offer 19.74% 5.99%for 5 months
More details...

Current Credit
Card Promotions

The market for credit cards is constantly changing so it can be hard to find current credit card promotions. Whether you want a low fee, low interest, balance transfer, or Frequent Flyer rewards credit card - you can compare credit card promotions here to find a credit card to suit your needs. Each month we will compare credit card offerings from major Australian lenders and bring you a selection of new credit card promotions.

How do we choose the monthly promotions?

Each month, there's a range of promotional offers available from credit card providers and we highlight a selection of notable offers based on the relative size or discount offered by the provider. To qualify for listing on this page, the offer needs to be a special offer beyond the standard product construct offered normally on the credit card. For some of the credit cards on WhistleOut, we can receive commissions if you apply for the credit card. Please ensure you consider the full terms and conditions of each card and that whether the promotional offer suits you at this time.


Qantas American Express Ultimate Credit Card

Qantas American Express

Ultimate Credit Card

Up to 50,000 Bonus Qantas Points

Receive up to 50,000 bonus Qantas Points if you apply by 31 January 2014 and make the eligible card spend(s). Offer available to new AMEX Qantas Ultimate cardholders. Pay only $250 Annual Fee for the first year with the Qantas American Express Ultimate Card. Plus pay 0.99% interest on Balances Transferred for the first 6 months. (1% balance transfer fee applies).

This promotion includes:

  • Up to 50,000 Bonus Qantas Points
  • 0.99% pa on balance transfers for 6 months
  • Earn up to 3 points per dollar spent
  • Up to 44 days interest free
  • Reduced annual fee for first year

Apply for this card now:

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Low Rate Credit Card

Virgin Money

Low Rate Credit Card

2.9% pa on Balance Transfers For 9 Months

Get 2.9% pa for 9 months on balances transferred to this Virgin Money Low Rate credit card, and enjoy a great low standard variable interest rate on purchases of just 10.99% pa.

Virgin Money are promoting:

  • 2.9% pa on balance transfers for 9 months
  • Low 10.99% pa variable interest rate
  • Up to 44 days interest free
  • Additional card holders available

Apply for this card now:

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0% pa Balance Transfer For 12 Months

The Clear Platinum credit card from Citibank offers 0% pa for 12 months on balance transfers. You also pay only half the usual annual fee of $99 - just $49 for the first year!

This promotion from Citibank includes:

  • Up to 55 days interest free
  • 0% pa for 12 months on balance transfers
  • Visa 24 hour conceirge service
  • $49 Annual fee for the first year

Apply for this card now:

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0% pa Balance Transfers for 15 Months

With the Low Fee Card from NAB you can receive 0% on Balance Transfers for 15 months when you apply before 30 April 2014.

This promotion from NAB includes:

  • 0% pa for 15 months on balance transfers
  • Choice of Visa or MasterCard
  • Up to 44 days interest free on purchases
  • $30 Annual fee

Apply for this card now:

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Rewards Credit Cards

A rewards card is a credit card which offers rewards points for consumer purchases. These cards advertise a point per dollar rate where with each dollar spent, the customer can earn rewards points. The rewards points can then be redeemed with the rewards program from each institution.

The most popular rewards program in Australia is the Qantas Frequent Flyer program which offers flights and other products for redemption with rewards points earned. Other programs include the American Express Membership Rewards program, the Westpac Altitude program, the Velocity (Virgin) program and the Commonwealth Bank Awards program. The membership rewards program is vital in understanding the value of a rewards point earned on a credit card. If you earn one point per dollar with a rewards card, then the redemption rate is key. If one rewards program offers a $100 Myer voucher for 10,000 rewards points an the other program requires 30,000 rewards points, then the earn rate of the card is controlled by the redemption rate within the rewards program.

The Qantas Frequent Flyer program now requires that cards are nomimated as direct earn cards which means that they earn points directly into the Qantas program (in the past, consumers were able to earn points in their native card program and transfer points to Qantas at their discretion). There are direct earn cards available from all the major banks and providers.

With any rewards credit card you will gain maximum benefits if you use your card regularly. The more you spend the more points you earn. The flip side to this is that typically, these cards are not good cards to accrue any debt as they feature higher rates of interest than many other credit cards. Accordingly, it is wise not to choose a rewards credit card if you suspect that you may not be able to pay the outstanding balance in full each month. The interest you will end up paying on your debt will outweigh the benefits gained through rewards.

When used wisely, rewards credit cards can save you money. If you are someone who travels regularly a rewards card offering air miles and other travel bonuses such as complimentary flights, travel insurance or free upgrades all of which can be very valuable. Be sure to check all the fees and charges associated with the rewards card before you commit to applying. There might be a large annual fee or a high cash advance rate.

Also, look into the points scheme associated with the credit card you are considering. You will generally not earn points for balance transfers or cash advances. Are the points you earn capped i.e. can you only earn a certain amount each year? Do the points expire if you don't use your card for a period of time? What are the redemption options -can you redeem with a mixture of points and money? Are you really aware of what points earned with be worth? Points can be worth different amounts depending on what you buy so it pays to be astute with points purchases and try to get the maximum possible points value.

Some rewards credit cards allow you to build up a collection of rewards points quite quickly. There might be bonus points available to new applicants or through bonus partners that you spend at key retailers regularly. A danger with rewards credit cards is the temptation to overspend just in an attempt to earn more points. Establish an understanding of the points earn rate and the value of each point withing the rewards program, but don't overspend just to earn points - it will never be worth it - rewards points are just a nice add on to your regular spending patterns.

Compare Credit Cards

View credit cards from the following credit card providers...

American Express Credit Cards BankSA Credit Cards Commonwealth Bank Credit Cards NAB Credit Cards Virgin Money Credit Cards
Aussie Credit Cards Citibank Credit Cards David Jones Credit Cards St.George Credit Cards Westpac Credit Cards
Bank of Melbourne Credit Cards Coles Credit Cards HSBC Credit Cards Suncorp Bank Credit Cards Woolworths Credit Cards

Disclaimer:

WhistleOut is not suggesting that you apply for a particular credit card provided by any of the following credit providers, nor are we trying to assist you to apply for a credit card from any of the following providers. We recommend that you seek professional advice before acting upon any information provided on this web site.

WhistleOut may receive a commission from some credit card providers.
 

Credit Card Offers

Credit Card Promotions Wrap-Up: April Edition

Credit Card Promotions Wrap-Up: April Edition

Editor's overview four promotions available on Credit Cards in April.