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LEADERBOARD

The credit card leaderboard

Top-ranked cards across every category — best rewards, signup bonuses, low rates, and more.

Best Rewards

#1
American Express Essential Rewards Credit Card
American ExpressLive
5x pts
+

Key Details

Annual fee$108
Purchase rate23.99% p.a.
Interest-free daysUp to 55 days

Rewards

Earn rate5x pts
ProgramMembership Rewards

Features

🌍Foreign transaction fee3.5%
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
#2
David Jones Prestige Credit Card
Latitude FinanceLive
3x pts
+

Key Details

Annual fee$345
Purchase rate24.99% p.a.
Interest-free daysUp to 44 days
Min income$30,000

Rewards

Earn rate3x pts
ProgramEarn David Jones credit card points

Features

🌍Foreign transaction fee3%
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer12mo @ 0%
#3
Bankwest More World Mastercard
BankwestLive
2.5x pts
+

Key Details

Annual fee$270
Purchase rate14.99% p.a.
Interest-free daysUp to 44 days

Rewards

Earn rate2.5x pts
ProgramMore Rewards

Features

🌍Foreign transaction feeNone
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer6mo @ 0%
#4
American Express Platinum Card
American Express?
2.25x pts
+

Key Details

Annual fee$1,450
Purchase rate0.00% p.a.

Rewards

Earn rate2.25x pts
ProgramMembership Rewards

Features

🌍Foreign transaction fee3.5%
Complimentary travel insurance
Yes
✈️Lounge accessinternational
📱Digital walletsContactless, Apple Pay, Google Pay
#5
Bankwest More Platinum Mastercard
BankwestLive
2x pts
+

Key Details

Annual fee$160
Purchase rate14.99% p.a.
Interest-free daysUp to 44 days

Rewards

Earn rate2x pts
ProgramMore Rewards

Features

🌍Foreign transaction feeNone
Complimentary travel insurance
Yes
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer6mo @ 0%
Show More
🎁

Best Signup Bonus

#1
American Express Platinum Card
American Express?
340k ptsMembership Rewards
+

Key Details

Annual fee$1,450
Purchase rate0.00% p.a.

Rewards

Earn rate2.25x pts
ProgramMembership Rewards

Signup Bonus

340,000 Membership Rewards pts

Apply online by 6 October 2026, get approved, and spend $5,000 on eligible purchases within the first 3 months of approval for 240,000 points. Plus, earn an additional 100,000 points when you spend a further $5,000 within the first 3 months of your second year of Card Membership. New Amex Card Members only. Must apply via the exclusive offer link. T&Cs apply.

Offer expires: 2026-10-06

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3.5%
Complimentary travel insurance
Yes
✈️Lounge accessinternational
📱Digital walletsContactless, Apple Pay, Google Pay
#2
Altitude Black Rewards World Mastercard
WestpacLive
200k ptsAltitude Rewards
+

Key Details

Annual fee$295
Purchase rate20.99% p.a.
Interest-free daysUp to 45 days
Min income$75,000

Rewards

Earn rate2x pts
ProgramAltitude Rewards

Signup Bonus

200,000 Altitude Rewards pts

100,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases within 12 months of new card approval and an extra 100,000 points with $12k+ spend on eligible purchases in year 2.

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3%
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
#3
Amplify Rewards Signature
Bank of MelbourneLive
200k ptsAmplify Rewards Points
+

Key Details

Annual fee$295
Purchase rate20.99% p.a.
Interest-free daysUp to 55 days

Rewards

Earn rate2x pts
ProgramAmplify Rewards Points

Signup Bonus

200,000 Amplify Rewards Points pts

100,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases and an extra 100,000 points with $12k+ spend on eligible purchases in year 2.

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3%
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
#4
Amplify Rewards Signature
St GeorgeLive
200k ptsAmplify Rewards Points
+

Key Details

Annual fee$295
Purchase rate20.99% p.a.
Interest-free daysUp to 55 days

Rewards

Earn rate2x pts
ProgramAmplify Rewards Points

Signup Bonus

200,000 Amplify Rewards Points pts

100,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases and an extra 100,000 points with $12k+ spend on eligible purchases in year 2.

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3%
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
#5
Amplify Rewards Signature
BankSALive
200k ptsAmplify Rewards Points
+

Key Details

Annual fee$295
Purchase rate20.99% p.a.
Interest-free daysUp to 55 days

Rewards

Earn rate2x pts
ProgramAmplify Rewards Points

Signup Bonus

200,000 Amplify Rewards Points pts

100,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases and an extra 100,000 points with $12k+ spend on eligible purchases in year 2.

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3%
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
Show More
Qantas

Best Qantas Signup Bonus

#1
Altitude Qantas Black
WestpacLive
150k ptsQantas Frequent Flyer
+

Key Details

Annual fee$370
Purchase rate20.99% p.a.
Interest-free daysUp to 45 days
Min income$75,000

Rewards

Earn rate0.8x pts
ProgramQantas Frequent Flyer

Signup Bonus

150,000 Qantas Frequent Flyer pts

Get up to 150,000 bonus Qantas Points - 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3%
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
#2
Amplify Qantas Signature
St GeorgeLive
150k ptsQantas Frequent Flyer
+

Key Details

Annual fee$295
Purchase rate20.99% p.a.
Interest-free daysUp to 55 days

Rewards

Earn rate0.8x pts
ProgramQantas Frequent Flyer

Signup Bonus

150,000 Qantas Frequent Flyer pts

90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3%
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
#3
Amplify Qantas Signature
Bank of MelbourneLive
150k ptsQantas Frequent Flyer
+

Key Details

Annual fee$295
Purchase rate20.99% p.a.
Interest-free daysUp to 55 days

Rewards

Earn rate0.8x pts
ProgramQantas Frequent Flyer

Signup Bonus

150,000 Qantas Frequent Flyer pts

90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3%
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
#4
Amplify Qantas Signature
BankSALive
150k ptsQantas Frequent Flyer
+

Key Details

Annual fee$295
Purchase rate20.99% p.a.
Interest-free daysUp to 55 days

Rewards

Earn rate0.8x pts
ProgramQantas Frequent Flyer

Signup Bonus

150,000 Qantas Frequent Flyer pts

90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3%
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
#5
NAB Qantas Rewards Signature Card
NABLive
130k ptsQantas Frequent Flyer
+

Key Details

Annual fee$420
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days

Rewards

Earn rate1x pts
ProgramQantas Frequent Flyer

Signup Bonus

130,000 Qantas Frequent Flyer pts

Apply by 30 September 2026. 100,000 bonus points and $250 cashback when you spend $5,000 on everyday purchases within the first 90 days of account opening + 30,000 bonus points when you keep your card for over 12 months. Not available if you hold or have held a personal NAB Qantas Rewards card in the last 24 months.

Offer expires: 2026-09-30

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3.5%
Complimentary travel insurance
Yes
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer12mo @ 0%
Show More
Velocity

Best Velocity Signup Bonus

#1
Altitude Velocity Black
WestpacLive
150k ptsVelocity Rewards
+

Key Details

Annual fee$370
Purchase rate20.99% p.a.
Interest-free daysUp to 45 days
Min income$75,000

Rewards

Earn rate0.8x pts
ProgramVelocity Rewards

Signup Bonus

150,000 Velocity Rewards pts

Get up to 150,000 bonus Velocity Points - 90,000 Velocity Points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3%
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
#2
ANZ Rewards Platinum
ANZLive
100k ptsVelocity Rewards
+

Key Details

Annual fee$149
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days

Rewards

Earn rate0.75x pts
ProgramVelocity Rewards

Signup Bonus

100,000 Velocity Rewards pts

Velocity Frequent Flyer Points offer Earn up to 80,000 bonus Velocity Points plus $50 back Switch on auto-redemption to transfer your ANZ Reward PointsSuperscript:3 to Velocity Frequent Flyer PointsSuperscript:11 within 3 months from approval and keep on auto-redemption for the relevant period to earn: 60,000 bonus Velocity Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $3,500 on eligible purchases within the first 3 months from approval.

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3.5%
Complimentary travel insurance
Yes
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer18mo @ 0%
#3
Altitude Velocity Platinum
WestpacLive
100k ptsVelocity Rewards
+

Key Details

Annual fee$250
Purchase rate20.99% p.a.
Interest-free daysUp to 45 days
Min income$30,000

Rewards

Earn rate0.5x pts
ProgramVelocity Rewards

Signup Bonus

100,000 Velocity Rewards pts

Earn up to 100,000 bonus Velocity Points - 70,000 bonus Velocity Points in year 1 if you spend $4k+ on eligible purchases within 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchases?

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3%
Complimentary travel insurance
Yes
📱Digital walletsContactless, Apple Pay, Google Pay
#4
American Express Velocity Platinum Card
American ExpressLive
100k ptsVelocity Rewards
+

Key Details

Annual fee$440
Purchase rate23.99% p.a.
Interest-free daysUp to 55 days

Rewards

Earn rate1.25x pts
ProgramVelocity Rewards

Signup Bonus

100,000 Velocity Rewards pts

Apply online by 13 October 2026, get approved, and spend $5,000 on eligible purchases within the first 3 months of approval for 70,000 points. Plus, earn an additional 30,000 points when you spend a further $5,000 within the first 3 months of your second year of Card Membership. New Amex Card Members only. T&Cs apply.

Offer expires: 2026-10-13

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3.5%
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
#5
American Express Velocity Escape Plus Card
American ExpressLive
20k ptsVelocity Rewards
+

Key Details

Annual fee$95
Purchase rate23.99% p.a.
Interest-free daysUp to 55 days

Rewards

Earn rate1x pts
ProgramVelocity Rewards

Signup Bonus

20,000 Velocity Rewards pts

Apply online by 25 May 2027, get approved, and spend $3,000 on eligible purchases within the first 3 months of your approval date. New Amex Card Members only. T&Cs apply.

Offer expires: 2027-05-25

Disclaimer
BankMate may use affiliate links and earn a commission. Always read the bank's terms and conditions before signing up.

Features

🌍Foreign transaction fee3.5%
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
Show More
🆓

No Annual Fee

#1
Qantas American Express Discovery Card
American ExpressLive
Free
+

Key Details

Annual feeFree
Purchase rate23.99% p.a.
Interest-free daysUp to 44 days

Rewards

Earn rate1.75x pts
ProgramQantas Frequent Flyer

Features

🌍Foreign transaction fee3.5%
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
#2
Coles No Annual Fee Mastercard
NABLive
Free
+

Key Details

Annual feeFree
Purchase rate20.74% p.a.
Interest-free daysUp to 44 days

Rewards

Earn rate0.5x pts
ProgramFlybuys

Features

🌍Foreign transaction fee3%
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer12mo @ 0%
#3
Revolut Credit Card
RevolutLive
Free
+

Key Details

Annual feeFree
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days
Min income$2,000

Rewards

Earn rate0.077x pts
ProgramRevPoints

Features

🌍Foreign transaction fee1.5%
Complimentary travel insurance
Yes
📱Digital walletsContactless, Apple Pay, Google Pay
#4
Low Rate Credit Card from American Express
American ExpressLive
Free
+

Key Details

Annual feeFree
Purchase rate10.99% p.a.
Interest-free daysUp to 55 days

Features

🌍Foreign transaction fee3.5%
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
#5
Low Rate Visa Credit Card
Bank AustraliaLive
Free
+

Key Details

Annual feeFree
Purchase rate12.99% p.a.

Features

🌍Foreign transaction fee3%
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer6mo @ 0%
Show More
📉

Lowest Rate

#1
Westpac Lite Card
WestpacLive
9.90% p.a.
+

Key Details

Annual fee$108
Purchase rate9.90% p.a.
Interest-free daysUp to 45 days
Min income$30,000

Features

🌍Foreign transaction feeNone
📱Digital walletsContactless, Apple Pay, Google Pay
#2
Low Rate Credit Card from American Express
American ExpressLive
10.99% p.a.
+

Key Details

Annual feeFree
Purchase rate10.99% p.a.
Interest-free daysUp to 55 days

Features

🌍Foreign transaction fee3.5%
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
#3
Classic Credit Card
BCULive
11.95% p.a.
+

Key Details

Annual fee$45
Purchase rate11.95% p.a.
Interest-free daysUp to 52 days

Features

🌍Foreign transaction fee3%
📱Digital walletsContactless, Apple Pay, Google Pay
#4
Low Rate Visa Credit Card
Australian Military BankLive
11.99% p.a.
+

Key Details

Annual fee$49
Purchase rate11.99% p.a.
Interest-free daysUp to 45 days

Features

🌍Foreign transaction fee1%
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer12mo @ 0%
#5
Bendigo Bright Credit Card
BendigoLive
11.99% p.a.
+

Key Details

Annual fee$59
Purchase rate11.99% p.a.
Interest-free daysUp to 55 days

Features

🌍Foreign transaction fee3%
📱Digital walletsContactless, Apple Pay, Google Pay
Show More
🔄

Best Balance Transfer

#1
ANZ Low Rate
ANZLive
26mo @ 0%
+

Key Details

Annual fee$58
Purchase rate13.74% p.a.
Interest-free daysUp to 55 days

Features

🌍Foreign transaction fee3.5%
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer26mo @ 0%
#2
Bankwest Breeze Platinum Mastercard
BankwestLive
24mo @ 0%
+

Key Details

Annual fee$59
Purchase rate12.99% p.a.
Interest-free daysUp to 55 days

Features

🌍Foreign transaction feeNone
Complimentary travel insurance
Yes
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer24mo @ 0%
#3
Bankwest Breeze Classic Mastercard
BankwestLive
24mo @ 0%
+

Key Details

Annual fee$49
Purchase rate12.99% p.a.
Interest-free daysUp to 55 days

Features

🌍Foreign transaction fee2.95%
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer24mo @ 0%
#4
Low Rate Card
WestpacLive
20mo @ 0%
+

Key Details

Annual fee$84
Purchase rate13.74% p.a.
Interest-free daysUp to 55 days
Min income$30,000

Features

🌍Foreign transaction fee3%
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer20mo @ 0%
#5
Rainbow Vertigo Card
St GeorgeLive
20mo @ 0%
+

Key Details

Annual fee$84
Purchase rate13.99% p.a.
Interest-free daysUp to 55 days

Features

🌍Foreign transaction fee3%
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer20mo @ 0%
Show More
✈️

Best for Travel

#1
Bankwest More World Mastercard
BankwestLive
No FX
+

Key Details

Annual fee$270
Purchase rate14.99% p.a.
Interest-free daysUp to 44 days

Rewards

Earn rate2.5x pts
ProgramMore Rewards

Features

🌍Foreign transaction feeNone
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer6mo @ 0%
#2
Smart Awards credit card
Commonwealth BankLive
No FX
+

Key Details

Annual fee$228
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days

Rewards

Earn rate2x pts
ProgramSmart Awards

Features

🌍Foreign transaction feeNone
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
#3
NAB Rewards Signature Card
NABLive
No FX
+

Key Details

Annual fee$420
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days

Rewards

Earn rate1.5x pts
ProgramNAB Rewards

Features

🌍Foreign transaction feeNone
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
🔄Balance transfer12mo @ 0%
#4
American Express® Platinum Reserve Credit Card
American ExpressLive
No FX
+

Key Details

Annual fee$395
Purchase rate23.99% p.a.
Interest-free daysUp to 55 days

Rewards

Earn rate1x pts
ProgramMembership Rewards

Features

🌍Foreign transaction feeNone
Complimentary travel insurance
Yes
✈️Lounge accessinternational
📱Digital walletsContactless, Apple Pay, Google Pay
#5
Ultimate Awards credit card
Commonwealth BankLive
No FX
+

Key Details

Annual fee$420
Purchase rate20.99% p.a.
Interest-free daysUp to 44 days

Rewards

Earn rate0.4x pts
ProgramUltimate Awards Points Earn Structure

Features

🌍Foreign transaction feeNone
Complimentary travel insurance
Yes
✈️Lounge accessdomestic
📱Digital walletsContactless, Apple Pay, Google Pay
Show More

These rankings rate every credit cards on one figure. Answer a few questions to see the ones that fit you →

As of 17 September 2026, the highest rewards earn rate tracked by BankMate is 5 points per dollar on the American Express Essential Rewards Credit Card. How we rank →