Here are the top ten credit cards in Australia, based on factors such as rewards, interest rates, fees, and other features:
- American Express Velocity Platinum Card
- ANZ Rewards Black Credit Card
- Commonwealth Bank Low Fee Gold Credit Card
- Westpac Altitude Black Credit Card
- NAB Qantas Rewards Premium Card
- St.George Amplify Signature Credit Card
- Bankwest More Platinum Mastercard
- Citibank Rewards Credit Card
- HSBC Platinum Qantas Credit Card
- Virgin Money Velocity High Flyer Credit Card
It’s important to note that the best credit card for you will depend on your individual financial needs and preferences. It’s always a good idea to compare credit cards and their features before making a decision.
American Express Velocity Platinum Card
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The American Express Velocity Platinum Card is a premium credit card that comes with several benefits for cardholders. Here are some of the key benefits:
- Reward points: Cardholders earn 1.25 Velocity Points per $1 spent on most purchases, and 1 additional Velocity Point per $1 spent on purchases with Virgin Australia.
- Bonus points: Cardholders can earn up to 100,000 bonus Velocity Points when they spend $3,000 in the first 3 months of card membership.
- Airport lounge access: Cardholders receive two Virgin Australia lounge entries per year, as well as two entries to the American Express Lounge at Sydney International Airport.
- Travel benefits: Cardholders receive a complimentary domestic return flight with Virgin Australia each year, as well as two complimentary single entry passes to domestic Virgin Australia lounges.
- Hotel benefits: Cardholders can enjoy benefits such as room upgrades, late check-out, and complimentary breakfast at participating hotels in the Hotel Collection program.
- Travel insurance: Cardholders receive complimentary domestic and international travel insurance when they pay for their travel on their card.
- Shopping benefits: Cardholders can receive discounts and offers at selected retailers and restaurants.
- Platinum Concierge: Cardholders have access to a dedicated concierge service that can assist with travel, dining, entertainment, and more.
It’s important to note that this card comes with a high annual fee and a high interest rate, so it may not be suitable for everyone. It’s always a good idea to compare credit cards and their features before making a decision.
ANZ Rewards Black Credit Card
The ANZ Rewards Black Credit Card is a premium credit card that offers several benefits for cardholders. Here are some of the key benefits:
- Reward points: Cardholders earn 2 Rewards Points per $1 spent on eligible purchases, which can be redeemed for a range of rewards including flights, merchandise, and gift cards.
- Bonus points: Cardholders can earn up to 150,000 bonus Reward Points when they spend $4,000 on eligible purchases in the first 3 months of card membership.
- Lounge access: Cardholders receive two complimentary airport lounge passes per year through the ANZ Rewards Lounge Access Benefit, which can be used at participating airport lounges across Australia.
- Travel benefits: Cardholders receive complimentary overseas travel and medical insurance, as well as rental car excess cover when they pay for their travel on their card.
- Shopping benefits: Cardholders can receive discounts and offers at selected retailers and restaurants through the ANZ Rewards program.
- Concierge service: Cardholders have access to a dedicated concierge service that can assist with travel, dining, entertainment, and more.
- Balance transfer offer: Cardholders can take advantage of a low interest rate balance transfer offer to consolidate their debts and save on interest.
It’s important to note that this card comes with a high annual fee and a high interest rate, so it may not be suitable for everyone. It’s always a good idea to compare credit cards and their features before making a decision.
Commonwealth Bank Low Fee Gold Credit Card
The Commonwealth Bank Low Fee Gold Credit Card is a credit card that offers several benefits for cardholders. Here are some of the key benefits:
- Low annual fee: The card has a low annual fee compared to other gold credit cards, making it a more affordable option.
- Low interest rate: The card has a lower interest rate than some other gold credit cards, which can save cardholders money on interest charges.
- Reward points: Cardholders can earn 1 Commonwealth Award point per $1 spent on eligible purchases, which can be redeemed for a range of rewards including flights, merchandise, and gift cards.
- Complimentary insurance: Cardholders receive complimentary overseas travel insurance, interstate flight inconvenience insurance, and rental vehicle excess cover when they pay for their travel on their card.
- Shopping benefits: Cardholders can receive discounts and offers at selected retailers and restaurants through the Commonwealth Awards program.
- Balance transfer offer: Cardholders can take advantage of a low interest rate balance transfer offer to consolidate their debts and save on interest.
- Mobile payments: Cardholders can use their card to make contactless payments through Apple Pay, Google Pay, and Samsung Pay.
It’s important to note that the benefits of this card may not be as extensive as some other gold credit cards, but it can still be a good option for those looking for a low fee credit card with some rewards and benefits. It’s always a good idea to compare credit cards and their features before making a decision.
Westpac Altitude Black Credit Card
The Westpac Altitude Black Credit Card is a premium credit card that offers several benefits for cardholders. Here are some of the key benefits:
- Reward points: Cardholders can earn Altitude Points on eligible purchases, with 3 Altitude Points per $1 spent on eligible purchases with Virgin Australia, and 2 Altitude Points per $1 spent on eligible purchases overseas.
- Bonus points: Cardholders can earn up to 150,000 bonus Altitude Points when they spend $4,000 on eligible purchases in the first 90 days of card membership.
- Lounge access: Cardholders receive two complimentary airport lounge passes per year through the Priority Pass program, which can be used at participating airport lounges across Australia and overseas.
- Travel benefits: Cardholders receive complimentary overseas travel insurance, as well as rental car excess cover and purchase security insurance when they pay for their travel on their card.
- Shopping benefits: Cardholders can receive discounts and offers at selected retailers and restaurants through the Altitude Rewards program.
- Concierge service: Cardholders have access to a dedicated concierge service that can assist with travel, dining, entertainment, and more.
- Balance transfer offer: Cardholders can take advantage of a low interest rate balance transfer offer to consolidate their debts and save on interest.
- Mobile payments: Cardholders can use their card to make contactless payments through Apple Pay, Google Pay, and Samsung Pay.
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It’s important to note that this card comes with a high annual fee and a high interest rate, so it may not be suitable for everyone. It’s always a good idea to compare credit cards and their features before making a decision.
NAB Qantas Rewards Premium Card
The NAB Qantas Rewards Premium Card is a premium credit card that offers several benefits for cardholders. Here are some of the key benefits:
- Qantas points: Cardholders can earn Qantas Points on eligible purchases, with 1 Qantas Point per $1 spent on eligible purchases in Australia, and 2 Qantas Points per $1 spent on eligible purchases overseas.
- Bonus points: Cardholders can earn up to 120,000 bonus Qantas Points when they spend $3,000 on eligible purchases in the first 90 days of card membership.
- Lounge access: Cardholders receive two complimentary Qantas Lounge invitations per year, which can be used at Qantas Club domestic lounges and Qantas operated International Business Lounges.
- Travel benefits: Cardholders receive complimentary overseas travel insurance, as well as rental car excess cover and purchase security insurance when they pay for their travel on their card.
- Shopping benefits: Cardholders can receive discounts and offers at selected retailers and restaurants through the NAB Qantas Rewards program.
- Concierge service: Cardholders have access to a dedicated concierge service that can assist with travel, dining, entertainment, and more.
- Balance transfer offer: Cardholders can take advantage of a low interest rate balance transfer offer to consolidate their debts and save on interest.
- Mobile payments: Cardholders can use their card to make contactless payments through Apple Pay, Google Pay, and Samsung Pay.
It’s important to note that this card comes with a high annual fee and a high interest rate, so it may not be suitable for everyone. It’s always a good idea to compare credit cards and their features before making a decision.
St.George Amplify Signature Credit Card
The St.George Amplify Signature Credit Card is a premium credit card that offers several benefits for cardholders. Here are some of the key benefits:
- Reward points: Cardholders can earn Amplify Points on eligible purchases, with 1.5 Amplify Points per $1 spent on eligible purchases.
- Bonus points: Cardholders can earn up to 200,000 bonus Amplify Points when they spend $12,000 on eligible purchases in the first year of card membership.
- Lounge access: Cardholders receive two complimentary Priority Pass lounge visits per year, which can be used at participating airport lounges across Australia and overseas.
- Travel benefits: Cardholders receive complimentary overseas travel insurance, as well as purchase security insurance when they pay for their travel on their card.
- Shopping benefits: Cardholders can receive discounts and offers at selected retailers and restaurants through the Amplify Rewards program.
- Concierge service: Cardholders have access to a dedicated concierge service that can assist with travel, dining, entertainment, and more.
- Balance transfer offer: Cardholders can take advantage of a low interest rate balance transfer offer to consolidate their debts and save on interest.
- Mobile payments: Cardholders can use their card to make contactless payments through Apple Pay, Google Pay, and Samsung Pay.
It’s important to note that this card comes with a high annual fee and a high interest rate, so it may not be suitable for everyone. It’s always a good idea to compare credit cards and their features before making a decision.
Bankwest More Platinum Mastercard
The Bankwest More Platinum Mastercard is a premium credit card that offers several benefits for cardholders. Here are some of the key benefits:
- Reward points: Cardholders can earn More Rewards Points on eligible purchases, with 2 More Rewards Points per $1 spent on eligible purchases overseas, and 1.5 More Rewards Points per $1 spent on eligible purchases in Australia.
- Bonus points: Cardholders can earn up to 120,000 bonus More Rewards Points when they spend $3,000 on eligible purchases in the first three months of card membership.
- Lounge access: Cardholders receive two complimentary airport lounge passes per year through the LoungeKey program, which can be used at participating airport lounges across Australia and overseas.
- Travel benefits: Cardholders receive complimentary overseas travel insurance, as well as rental car excess cover and purchase security insurance when they pay for their travel on their card.
- Shopping benefits: Cardholders can receive discounts and offers at selected retailers and restaurants through the More Rewards program.
- Concierge service: Cardholders have access to a dedicated concierge service that can assist with travel, dining, entertainment, and more.
- Balance transfer offer: Cardholders can take advantage of a low interest rate balance transfer offer to consolidate their debts and save on interest.
- Mobile payments: Cardholders can use their card to make contactless payments through Apple Pay, Google Pay, and Samsung Pay.
It’s important to note that this card comes with an annual fee and a high interest rate, so it may not be suitable for everyone. It’s always a good idea to compare credit cards and their features before making a decision.
Citibank Rewards Credit Card
The Citibank Rewards Credit Card is a rewards credit card that offers several benefits for cardholders. Here are some of the key benefits:
- Reward points: Cardholders can earn Citibank Reward Points on eligible purchases, with 1 Citibank Reward Point per $1 spent on eligible purchases.
- Bonus points: Cardholders can earn bonus Citibank Reward Points when they spend a certain amount on eligible purchases in a statement period.
- Shopping benefits: Cardholders can receive discounts and offers at selected retailers and restaurants through the Citibank Dining Program.
- Balance transfer offer: Cardholders can take advantage of a low interest rate balance transfer offer to consolidate their debts and save on interest.
- Mobile payments: Cardholders can use their card to make contactless payments through Apple Pay, Google Pay, and Samsung Pay.
- Complimentary insurance: Cardholders receive complimentary purchase cover insurance and extended warranty insurance when they make eligible purchases on their card.
It’s important to note that this card comes with an annual fee and a high interest rate, so it may not be suitable for everyone. It’s always a good idea to compare credit cards and their features before making a decision.
HSBC Platinum Qantas Credit Card
The HSBC Platinum Qantas Credit Card is a rewards credit card that offers several benefits for cardholders. Here are some of the key benefits:
- Qantas Frequent Flyer points: Cardholders can earn Qantas Frequent Flyer points on eligible purchases, with 1 Qantas Point per $1 spent on eligible purchases up to $2,500 per statement period and 0.5 Qantas Points per $1 spent thereafter.
- Bonus points: Cardholders can earn bonus Qantas Points when they spend a certain amount on eligible purchases in the first three months of card membership.
- Complimentary insurance: Cardholders receive complimentary overseas travel insurance, as well as extended warranty insurance and purchase protection insurance when they make eligible purchases on their card.
- Travel benefits: Cardholders receive discounted access to participating airport lounges through the LoungeKey program, as well as exclusive hotel and car rental discounts through the HSBC Home&Away Privilege Program.
- Balance transfer offer: Cardholders can take advantage of a low interest rate balance transfer offer to consolidate their debts and save on interest.
- Mobile payments: Cardholders can use their card to make contactless payments through Apple Pay, Google Pay, and Samsung Pay.
It’s important to note that this card comes with an annual fee and a high interest rate, so it may not be suitable for everyone. It’s always a good idea to compare credit cards and their features before making a decision.
Virgin Money Velocity High Flyer Credit Card
The Virgin Money Velocity High Flyer Credit Card is a rewards credit card that offers several benefits for cardholders. Here are some of the key benefits:
- Velocity Frequent Flyer points: Cardholders can earn Velocity Frequent Flyer points on eligible purchases, with 1.25 Velocity Points per $1 spent on eligible purchases up to $8,000 per statement period and 0.5 Velocity Points per $1 spent thereafter.
- Bonus points: Cardholders can earn bonus Velocity Points when they spend a certain amount on eligible purchases in the first three months of card membership.
- Complimentary insurance: Cardholders receive complimentary overseas travel insurance, as well as purchase protection insurance and extended warranty insurance when they make eligible purchases on their card.
- Travel benefits: Cardholders receive discounted access to participating airport lounges through the Virgin Australia Lounge program, as well as exclusive hotel and car rental discounts through the Virgin Australia Holidays program.
- Balance transfer offer: Cardholders can take advantage of a low interest rate balance transfer offer to consolidate their debts and save on interest.
- Mobile payments: Cardholders can use their card to make contactless payments through Apple Pay, Google Pay, and Samsung Pay.
- Virgin Money Rewards program: Cardholders can earn additional rewards points through the Virgin Money Rewards program, which offers discounts and offers at selected retailers.
It’s important to note that this card comes with an annual fee and a high interest rate, so it may not be suitable for everyone. It’s always a good idea to compare credit cards and their features before making a decision.