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BEST CARDS
Why we chose the Qantas Premier Platinum
This is a travellers card, designed to reward you for spending overseas and buying Qantas products, and gives you a stack of travel perks, points and retail discounts.
Pros:
- Up to 100,000 Bonus Qantas Points
- Earns up to 1.5 Qantas Points per $1
- Up to 20% off domestic flights for you and 8 travel buddies
- International and domestic travel insurance
- 2 lounge invitations each year
Cons:
- Additional cardholder will cost you $65 per year
- Travel insurance is only 1 month
- Points are uncapped but will drop to 0.5 once you’ve spent more than $10,000 in a statement period
Why we chose the ANZ Rewards Black
This card has one of the biggest points bonuses and $150 cashback, which helps offset the annual fee and get more value out of your points.
Pros:
- Up to 180,000 bonus ANZ Rewards Points
- $150 cashback on your account
- Domestic and international travel insurance
- Rental vehicle excess cover in Australia
Cons:
- Additional cardholders will cost you $65 per year
- Slightly higher annual fee
- You’ll earn 2 points per $1 up to $5,000 in a statement period. After that, you’ll earn 1 points per $1
Why we chose the Coles No Annual Fee card
It’s rare to earn points on a card with no annual fee, and this Coles-branded card lets you earn points when you pay and tap your Flybuys card to earn even more.
Pros:
- Earn 10k bonus Flybuys points
- No annual fee
- Earn 1 point per $2 spent on eligible purchases
- Points can be converted to Velocity Points
- Add up to 4 additional cardholders at no cost
Cons:
- Very basic in terms of features
- Purchase rate is high at 20.74% p.a.
Receive 10,000 Flybuys bonus points when you spend $3000 on eligible purchases within 90 days from approval and if you apply 3 March 2025.
Why we chose the American Express Platinum Business Card
First, the bonus points are huge! Plus, this is a charge card with a ton of extras to help your business save money if used wisely, including travel insurance, lounge access and B2B benefits.
Pros:
- Earn 350k Membership Rewards Points and 2.25 points per $1 (1 point for government spending)
- No pre-set spending limit, no expiry and uncapped points
- Domestic and international travel insurance
- Complimentary access to over 1,400 airport lounges across 140 countries
- Up to $125 back with Dell Technologies transactions. Benefit ends 31 December 2024
- Add up to 99 Employee Cards at no extra cost
Cons:
- Annual card fee of $1,750
- Points must be converted to partner airlines for frequent flyer miles
Receive 350,000 Membership Rewards Bonus Points when you apply by 5 November 2024, are approved and spend a minimum of $12,000 in the first 3 months of approval. New American Express Card Members only.
Why we chose the American Express Ultimate Credit Card
This is a card with a bigger annual fee but a bigger set of travel perks, too. The $450 Travel Credit can help offset the annual fee each year, which is a big win if you’re a regular Qantas flyer.
Pros:
- 50,000 bonus Qantas Points
- 1.25 Qantas points per $1 spent on everyday transactions (but after a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent)
- Earn 0.5 points per $1 on government bodies.<
- Complimentary $450 Qantas Travel Credit each year
- Domestic and international travel insurance
- 4 complimentary lounge passes each year
Cons:
- High interest rate of 23.99%
- Points are uncapped, but the earn rate does drop to 1 Point per $1 after you’ve earned 100k in a calendar year
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger.
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