INDEPENDENT REWARDS RESEARCH

Transferable Points Credit Cards in Australia

🇦🇺 19 personal cards in Australia earn bank or issuer points rather than miles from one airline, so the value depends on the airline partners and conversion ratios you can actually use.

Catalog checked 2026-10-20. Figures are in AUD and come from issuer and program sources linked on each card profile.

At a glance

Cards compared

19 cards, sorted by annual fee (lowest first; unverified fees last)
CardAnnual feeEarningReward / routeRecorded partnersChecked
American Express Essential Rewards Credit Card$108Up to 5 Membership Rewards points per AUD 1 on eligible eats and drinks, 3 on selected streaming, 2 at selected major retailers and 1 elsewhere; accelerated rates apply…Membership Rewards points · Bank pointsVelocity Frequent Flyer2026-10-20
BOQ Platinum Rewards Credit Card$1493 Q Rewards Points per AUD 1 at major supermarkets, 2 per AUD 1 at major restaurants and 1 per AUD 1 on all other eligible transactions.Q Rewards Points · Bank pointsVelocity Frequent Flyer2026-10-20
ANZ Rewards Platinum$1491.5 ANZ Reward Points per AUD 1 up to AUD 2,000 per statement period; 0.5 per AUD 1 above thatANZ Reward Points · Bank pointsVelocity Frequent Flyer, KrisFlyer, Asia Miles, Singapore Airlines KrisFlyer, Cathay Asia Miles2026-10-19
NAB Rewards Card$1951.25 NAB Rewards Points per AUD 1 up to AUD 5,000 per monthly Rewards Statement Period, then 0.5; plus 0.75 bonus point per AUD 1 on groceries, petrol and public…NAB Rewards Points · Bank pointsVelocity Frequent Flyer, KrisFlyer, Singapore Airlines KrisFlyer, Cathay, Air New Zealand Airpoints2026-10-20
American Express Platinum Edge Credit Card$1953 Membership Rewards points per AUD 1 at major supermarkets and petrol stations; 2 per AUD 1 on foreign-currency purchases overseas and online; 1 per AUD 1 on all other…Membership Rewards points · Bank pointsVelocity Frequent Flyer2026-10-20
Westpac Altitude Rewards Platinum$250 incl. required rewards fee1 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…Altitude Points · Bank pointsVelocity Frequent Flyer, KrisFlyer, Asia Miles, Singapore Airlines KrisFlyer, Air New Zealand Airpoints, Cathay Asia Miles2026-10-20
Bank of Melbourne Amplify Rewards Platinum$250 incl. required rewards fee2 Amplify points per AUD 1 on international spend, 1.25 on everyday spend, 1 on all other purchases; 0.5 per AUD 1 after AUD 5,000 of spend in a statement cycle.Amplify Points · Bank pointsVelocity Frequent Flyer, Singapore Airlines KrisFlyer2026-10-20
BankSA Amplify Rewards Platinum$250 incl. required rewards fee2 Amplify points per AUD 1 on international spend, 1.25 on everyday spend, 1 on all other purchases; 0.5 per AUD 1 after AUD 5,000 of spend in a statement cycle.Amplify Points · Bank pointsVelocity Frequent Flyer, Singapore Airlines KrisFlyer2026-10-20
St.George Amplify Rewards Platinum$250 incl. required rewards fee2 Amplify points per AUD 1 on international spend, 1.25 on everyday spend, 1 on all other purchases; 0.5 per AUD 1 after AUD 5,000 of spend in a statement cycle.Amplify Points · Bank pointsVelocity Frequent Flyer, Singapore Airlines KrisFlyer2026-10-20
Westpac Altitude Rewards Black$370 incl. required rewards fee1 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…Altitude Points · Bank pointsVelocity Frequent Flyer, KrisFlyer, Asia Miles, Singapore Airlines KrisFlyer, Air New Zealand Airpoints, Cathay Asia Miles2026-10-20
Bank of Melbourne Amplify Rewards Signature$370 incl. required rewards fee3 Amplify points per AUD 1 on international spend, 2 on everyday spend (supermarkets, department stores, petrol, dining and utilities), 1 on all other purchases; 0.5…Amplify Points · Bank pointsVelocity Frequent Flyer, Singapore Airlines KrisFlyer2026-10-20
BankSA Amplify Rewards Signature$370 incl. required rewards fee3 Amplify points per AUD 1 on international spend, 2 on everyday spend (supermarkets, department stores, petrol, dining and utilities), 1 on all other purchases; 0.5…Amplify Points · Bank pointsVelocity Frequent Flyer, Singapore Airlines KrisFlyer2026-10-20
St.George Amplify Rewards Signature$370 incl. required rewards fee3 Amplify points per AUD 1 on international spend, 2 on everyday spend (supermarkets, department stores, petrol, dining and utilities), 1 on all other purchases; 0.5…Amplify Points · Bank pointsVelocity Frequent Flyer, Singapore Airlines KrisFlyer2026-10-20
ANZ Rewards Black$3752 ANZ Reward Points per AUD 1 up to AUD 5,000 per statement period; 1 per AUD 1 above thatANZ Reward Points · Bank pointsVelocity Frequent Flyer, KrisFlyer, Asia Miles, Singapore Airlines KrisFlyer, Cathay Asia Miles2026-10-19
American Express Explorer Credit Card$3952 Membership Rewards points per AUD 1 eligible purchases; 1 per AUD 1 at Australian government bodies.Membership Rewards points · Bank pointsVelocity Frequent Flyer2026-10-20
NAB Rewards Travel Card$3951.5 NAB Rewards Points per AUD 1 up to AUD 10,000 per statement period, then 0.5 per AUD 1; plus 1 bonus point per AUD 1 on eligible groceries, petrol, public transport…NAB Rewards Points · Bank pointsVelocity Frequent Flyer, KrisFlyer, Singapore Airlines KrisFlyer, Cathay, Air New Zealand Koru2026-10-20
Commonwealth Bank CommBank Ultimate Credit Card$4200.5 Yello Point per AUD 1 on eligible domestic purchases and 2 per AUD 1 on international transactions at the entry Yello tier; higher Yello tiers earn more (0.75, 1…CommBank Yello Points · Bank pointsQantas Frequent Flyer, Velocity Frequent Flyer2026-10-20
HSBC Australia Star Alliance Credit Card$4991 Star Alliance Point per AUD 1 up to AUD 3,000 per statement period, then 0.5 per AUD 1 (issuer page).Star Alliance Points · Bank pointsNot verified2026-10-20
American Express The Platinum Card$1,4502.25 Membership Rewards points per AUD 1 eligible purchases; 1 per AUD 1 government spend.Membership Rewards points · Bank pointsVelocity Frequent Flyer2026-10-20

What to check before applying

Bank points and airline miles are different currencies. The partner and ratio columns show only what the issuer’s terms state for that card; a missing partner is not proof that no conversion exists.

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