馃嚘馃嚭 29 indexed cards 路 7 issuers 路 partially verified
Explore locally issued cards, compare annual costs and trace the route from purchases to airline rewards.
Refreshed Westpac earning tiers and required rewards fees; added Velocity variants and Qantas Money Everyday. Remaining: other bank/business products and exact transfer, expiry and rounding rules.
Compare cards in Australia Download market CSV
Choose the market where you live and can access banking products. Confirm the issuer鈥檚 residency, account and underwriting requirements. Card rewards are recorded in their own currency; airline conversion rules are separate.
Compare recurring card fees plus any required rewards fee, first-year charges, transaction exclusions, rounding and the exact conversion to your chosen airline. A fee waiver or bonus only applies when its conditions are met.
American Express 路 ANZ 路 NAB 路 Westpac 路 HSBC Australia 路 Qantas Money 路 NAB / Qantas Money
1.25 Qantas Points per AUD 1 on everyday purchases until 100,000 Qantas Points are earned in a calendar year, then 1 per AUD 1; 0.5 at Australian government bodies (issuer page).
A$450.00 annually
Qantas Points 路 Checked: 2026-10-15
1.25 Velocity Points per AUD 1 on card purchases, except 0.5 at Australian government bodies (issuer page).
A$440.00 annually
Velocity Points 路 Checked: 2026-10-15
0.75 Qantas Points per AUD 1 on eligible card purchases, uncapped (issuer page).
A$0.00 annually
Qantas Points 路 Checked: 2026-10-15
2 Membership Rewards points per AUD 1 eligible purchases; 1 per AUD 1 at Australian government bodies.
A$395.00 annually
Membership Rewards points 路 Checked: 2026-10-14
1 point per AUD 1 other purchases; 5 eligible Australian dining, 3 selected streaming and 2 selected Australian major retailers. Accelerated earning applies to the first 10,000 points per month, then 1 per AUD 1.
A$108.00 annually
Membership Rewards points 路 Checked: 2026-10-14
1 point per AUD 1 other purchases; 3 at selected major supermarkets and petrol stations; 2 on foreign-currency purchases.
A$195.00 annually
Membership Rewards points 路 Checked: 2026-10-14
2.25 Membership Rewards points per AUD 1 eligible purchases; 1 per AUD 1 government spend.
A$1,450.00 annually
Membership Rewards points 路 Checked: 2026-10-14
1 Qantas Point per AUD 1 on everyday card purchases
A$249.00 annually
Qantas Points 路 Checked: 2026-10-15
1 Velocity Point per AUD 1 on other eligible spend; 0.5 per AUD 1 at Australian government bodies
A$95.00 annually
Velocity Points 路 Checked: 2026-10-15
1.25 Qantas Points per AUD 1 on everyday business spend; 0.75 after 500,000 Qantas Points earned in a calendar year; 0.5 on government, utilities and insurance
A$450.00 annually
Qantas Points 路 Checked: 2026-10-15
1 Velocity Point per AUD 1 on everyday business spend; 2 on Virgin Australia travel; 0.5 on ATO and government spend
A$249.00 annually
Velocity Points 路 Checked: 2026-10-15
2.25 Membership Rewards points per AUD 1 on eligible purchases; 1 per AUD 1 at government bodies and the ATO
A$1,750.00 annually
Membership Rewards points 路 Checked: 2026-10-15
1 point per AUD 1 across all categories; up to 3 points per AUD 1 on the first 200,000 points earned per calendar year (issuer page).
A$395.00 annually
Membership Rewards points 路 Checked: 2026-10-15
1 Qantas Point per AUD 1 up to and including AUD 7,500 per statement period, then 0.5 per AUD 1 (issuer page).
A$425.00 annually
Qantas Points 路 Checked: 2026-10-15
0.75 Qantas Points per AUD 1 up to and including AUD 3,000 per statement period, then 0.5 per AUD 1 (issuer page).
A$295.00 annually
Qantas Points 路 Checked: 2026-10-15
2 ANZ Reward Points per AUD 1 up to AUD 5,000 per statement period; 1 per AUD 1 above that
A$375.00 annually
ANZ Reward Points 路 Checked: 2026-10-15
1.5 ANZ Reward Points per AUD 1 up to AUD 2,000 per statement period; 0.5 per AUD 1 above that
A$149.00 annually
ANZ Reward Points 路 Checked: 2026-10-15
0.75 Qantas Points per AUD 1 on the first AUD 3,000 per statement period, with a lower rate above that (issuer page).
A$449.00 annually
Qantas Points 路 Checked: 2026-10-15
1.5 NAB Rewards Points per AU$1 up to AU$10,000 per monthly statement period, then 0.5 per AU$1. An additional 1 point per AU$1 applies to eligible groceries, petrol, public transport and travel.
A$395.00 annually
NAB Rewards Points 路 Checked: 2026-10-15
0.33 Qantas Points per AUD 1 other eligible spend; 0.75 international and 0.5 everyday categories. After AUD 5,000 total statement-cycle spend, further eligible purchases earn 0.2 per AUD 1. Up to 1 extra Qantas Point per AUD 1 on selected Qantas products/services in Australia.
A$300.00 including required rewards enrolment annually
Qantas Points 路 Checked: 2026-10-14
0.4 Qantas Points per AUD 1 other eligible spend; 1.5 international and 0.8 everyday categories. After AUD 10,000 total statement-cycle spend, further eligible purchases earn 0.25 per AUD 1. Up to 1 extra Qantas Point per AUD 1 on selected Qantas products/services in Australia.
A$450.00 including required rewards enrolment annually
Qantas Points 路 Checked: 2026-10-14
1 Altitude point per AUD 1 other eligible purchases; 1.25 on everyday categories and 2 international. After AUD 5,000 total spend in a statement cycle, further eligible purchases earn 0.5 points per AUD 1.
A$250.00 including required rewards enrolment annually
Altitude Points 路 Checked: 2026-10-14
1 Altitude point per AUD 1 other eligible purchases; 2 on everyday categories and 3 international. After AUD 10,000 total spend in a statement cycle, further eligible purchases earn 0.5 points per AUD 1.
A$370.00 including required rewards enrolment annually
Altitude Points 路 Checked: 2026-10-14
0.33 Velocity Points per AUD 1 other eligible spend; 0.75 international and 0.5 everyday categories. After AUD 5,000 total statement-cycle spend, further eligible purchases earn 0.2 per AUD 1.
A$300.00 including required rewards enrolment annually
Velocity Points 路 Checked: 2026-10-14
0.4 Velocity Points per AUD 1 other eligible spend; 1.5 international and 0.8 everyday categories. After AUD 10,000 total statement-cycle spend, further eligible purchases earn 0.25 per AUD 1.
A$450.00 including required rewards enrolment annually
Velocity Points 路 Checked: 2026-10-14
1 Star Alliance Point per AUD 1 up to AUD 3,000 per statement period, then 0.5 per AUD 1 (issuer page).
A$499.00 annually
Star Alliance Points 路 Checked: 2026-10-15
1.25 Qantas Points per AUD 1 domestic up to AUD 12,500 per statement, then 0.5; 2 per AUD 1 international.
A$1,200.00 annually
Qantas Points 路 Checked: 2026-10-13
1 Qantas Point per whole AUD 1 domestic spend up to AUD 10,000 per statement, then 0.5; 1.5 per whole AUD 1 international; 1 additional point per whole AUD 1 eligible Qantas spend.
A$399.00 annually
Qantas Points 路 Checked: 2026-10-14
0.75 Qantas Points per whole AUD 1 domestic spend up to AUD 3,000 per statement, then 0.4; 1 per whole AUD 1 international; 1 additional point per whole AUD 1 eligible Qantas spend.
A$99.00 annually
Qantas Points 路 Checked: 2026-10-14
This is a researched selection, not an exhaustive national inventory. Unverified values stay unknown. A record check date does not establish that every field is current.
Before transferring points 路 Editorial methodology 路 Report a correction