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Personal

Sort: Cost per point

Bonus pointsEarn rateAnnual feeCost per pointFirst year value

29 cards, personal only

• Best value

  

  ANZ Rewards Platinum (Velocity) (Velocity Frequent Flyer)

  Bonus pointsUp to

  80,000PTS

  i60,000 pts after $3,500 in 90 days + 20,000 pts (Keep the card open more than 15 months). No set end date.

  Earn rateUp to

  0.75PTS

  per $1 spent

  iEarns ANZ Reward Points, auto-converted to Velocity at 2:11.5 ANZ pts (0.75 Velocity) per $1 up to $2,000 per statement period0.5 ANZ pts (0.25 Velocity) per $1 above $2,000No points on spend above $25,000 per statement period (from 28 Oct 2026)

  Annual fee

  $149

  a year

  Cost per point

  0.25¢

  per point, year one

  iHow we get to 0.25¢ a pointYear-one points60,000First-year annual fee$149$149 ÷ 60,0000.25¢Lower is better. Year-one points only.

  First year value

  ~$801 after the first-year fee

  est. value after fees

  iHow we get to $80160,000 pts × 1.5¢$900$50 back+$50First-year annual fee−$149First-year value$801Year-one points only: +20,000 pts later (Keep the card open more than 15 months) aren't counted. Our estimate, not a guaranteed saving.

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• 

  MyCard Rewards Credit Card (Velocity) (Velocity Frequent Flyer)

  Bonus pointsUp to

  80,000PTS

  i60,000 pts after $5,000 in 90 days + 20,000 pts (Keep the card open more than 12 months). No set end date.

  Earn rate

  0.5PTS

  per $1 spent

  iEarns MyCard Reward Points, auto-converted to Velocity at 3:12 MyCard pts per $1 on international spend and at supermarkets and petrol stations1.5 MyCard pts per $1 on other domestic spend

  Annual fee

  $199

  a year

  Cost per point

  0.33¢

  per point, year one

  iHow we get to 0.33¢ a pointYear-one points60,000First-year annual fee$199$199 ÷ 60,0000.33¢Lower is better. Year-one points only.

  First year value

  ~$701 after the first-year fee

  est. value after fees

  iHow we get to $70160,000 pts × 1.5¢$900First-year annual fee−$199First-year value$701Year-one points only: +20,000 pts later (Keep the card open more than 12 months) aren't counted. Our estimate, not a guaranteed saving.

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• Best value

  

  ANZ Rewards Platinum (ANZ Rewards)

  Bonus pointsUp to

  125,000PTS

  i85,000 pts after $3,500 in 90 days + 40,000 pts (Keep the card open more than 15 months). No set end date.

  Earn rateUp to

  1.5PTS

  per $1 spent

  i1.5 pts per $1 on eligible spend up to $2,000 per statement period0.5 pts per $1 above $2,000No points on spend above $25,000 per statement period (from 28 Oct 2026)

  Annual fee

  $149

  a year

  Cost per point

  0.35¢

  per point, year one

  iHow we get to 0.35¢ a pointYear-one points85,000As Qantas/Velocity points≈ 42,500First-year annual fee$149$149 ÷ 42,5000.35¢Lower is better. Year-one points only.

  First year value

  ~$538.50 after the first-year fee

  est. value after fees

  iHow we get to $538.5085,000 pts × 0.75¢$637.50$50 back+$50First-year annual fee−$149First-year value$538.50Year-one points only: +40,000 pts later (Keep the card open more than 15 months) aren't counted. Our estimate, not a guaranteed saving.

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• Best value

  

  Westpac Altitude Qantas Platinum (Qantas Frequent Flyer)

  Bonus pointsUp to

  100,000PTS

  i70,000 pts after $4,000 in 90 days + 30,000 pts ($4,000 spend within 90 days of first card anniversary). No set end date.

  Earn rateUp to

  0.33PTS

  per $1 spent

  i0.75 pts per $1 on international spend0.5 pts per $1 at supermarkets, department stores, petrol stations and utilities0.33 pts per $1 on all other purchases0.2 pts per $1 once spend passes $5,000 in a statement cycle+1 bonus pt per $1 on selected Qantas products in Australia

  Annual fee

  $300

  a year

  Cost per point

  0.43¢

  per point, year one

  iHow we get to 0.43¢ a pointYear-one points70,000First-year annual fee$300$300 ÷ 70,0000.43¢Lower is better. Year-one points only.

  First year value

  ~$750 after the first-year fee

  est. value after fees

  iHow we get to $75070,000 pts × 1.5¢$1,050First-year annual fee−$300First-year value$750Year-one points only: +30,000 pts later ($4,000 spend within 90 days of first card anniversary) aren't counted. Our estimate, not a guaranteed saving.

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• 

  Westpac Altitude Velocity Platinum (Velocity Frequent Flyer)

  Bonus pointsUp to

  100,000PTS

  i70,000 pts after $4,000 in 90 days + 30,000 pts ($4,000 spend within 90 days of first card anniversary). No set end date.

  Earn rateUp to

  0.33PTS

  per $1 spent

  i0.75 pts per $1 on international spend0.5 pts per $1 at supermarkets, department stores, petrol stations and utilities0.33 pts per $1 on all other purchases0.2 pts per $1 once spend passes $5,000 in a statement cycle

  Annual fee

  $300

  a year

  Cost per point

  0.43¢

  per point, year one

  iHow we get to 0.43¢ a pointYear-one points70,000First-year annual fee$300$300 ÷ 70,0000.43¢Lower is better. Year-one points only.

  First year value

  ~$750 after the first-year fee

  est. value after fees

  iHow we get to $75070,000 pts × 1.5¢$1,050First-year annual fee−$300First-year value$750Year-one points only: +30,000 pts later ($4,000 spend within 90 days of first card anniversary) aren't counted. Our estimate, not a guaranteed saving.

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• 

  American Express Velocity Escape Plus Card (Velocity Frequent Flyer)

  Bonus points

  20,000PTS

  iSpend $3,000 in 90 days to earn the bonus. Offer ends 25 May 2027.

  Earn rateUp to

  1PTS

  per $1 spent

  i1.75 pts per $1 on eligible Virgin Australia purchases1 pt per $1 on everyday purchases0.5 pts per $1 at Australian government bodiesEveryday rate drops to 0.75 pts per $1 after 12,000 pts earned in a calendar year

  Annual fee

  $95

  a year

  Cost per point

  0.48¢

  per point, year one

  iHow we get to 0.48¢ a pointYear-one points20,000First-year annual fee$95$95 ÷ 20,0000.48¢Lower is better. Year-one points only.

  First year value

  ~$205 after the first-year fee

  est. value after fees

  iHow we get to $20520,000 pts × 1.5¢$300First-year annual fee−$95First-year value$205Year-one points only. Our estimate, not a guaranteed saving.

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• 

  NAB Rewards Platinum (Velocity offer) (Velocity Frequent Flyer)

  Bonus pointsUp to

  80,000PTS

  i40,000 pts after $4,000 in 90 days + 40,000 pts (Keep the card open more than 12 months). No set end date.

  Earn rateUp to

  0.42PTS

  per $1 spent

  iEarns NAB Rewards Points, converted to Velocity at 3:11.25 NAB pts per $1 up to $5,000 spend per month, then 0.5+0.75 bonus NAB pts per $1 on groceries, petrol and public transport, uncapped

  Annual fee

  $195

  a year

  Cost per point

  0.49¢

  per point, year one

  iHow we get to 0.49¢ a pointYear-one points40,000First-year annual fee$195$195 ÷ 40,0000.49¢Lower is better. Year-one points only.

  First year value

  ~$405 after the first-year fee

  est. value after fees

  iHow we get to $40540,000 pts × 1.5¢$600First-year annual fee−$195First-year value$405Year-one points only: +40,000 pts later (Keep the card open more than 12 months) aren't counted. Our estimate, not a guaranteed saving.

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• 

  Westpac Altitude Qantas Black (Qantas Frequent Flyer)

  Bonus pointsUp to

  150,000PTS

  i90,000 pts after $6,000 in 90 days + 60,000 pts ($6,000 spend within 90 days of first card anniversary). No set end date.

  Earn rateUp to

  0.4PTS

  per $1 spent

  i1.5 pts per $1 on international spend0.8 pts per $1 at supermarkets, department stores, petrol stations and utilities0.4 pts per $1 on all other purchases0.25 pts per $1 once spend passes $10,000 in a statement cycle+1 bonus pt per $1 on selected Qantas products in Australia

  Annual fee

  $450

  a year

  Cost per point

  0.50¢

  per point, year one

  iHow we get to 0.50¢ a pointYear-one points90,000First-year annual fee$450$450 ÷ 90,0000.50¢Lower is better. Year-one points only.

  First year value

  ~$900 after the first-year fee

  est. value after fees

  iHow we get to $90090,000 pts × 1.5¢$1,350First-year annual fee−$450First-year value$900Year-one points only: +60,000 pts later ($6,000 spend within 90 days of first card anniversary) aren't counted. Our estimate, not a guaranteed saving.

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• 

  Westpac Altitude Velocity Black (Velocity Frequent Flyer)

  Bonus pointsUp to

  150,000PTS

  i90,000 pts after $6,000 in 90 days + 60,000 pts ($6,000 spend within 90 days of first card anniversary). No set end date.

  Earn rateUp to

  0.4PTS

  per $1 spent

  i1.5 pts per $1 on international spend0.8 pts per $1 at supermarkets, department stores, petrol stations and utilities0.4 pts per $1 on all other purchases0.25 pts per $1 once spend passes $10,000 in a statement cycle

  Annual fee

  $450

  a year

  Cost per point

  0.50¢

  per point, year one

  iHow we get to 0.50¢ a pointYear-one points90,000First-year annual fee$450$450 ÷ 90,0000.50¢Lower is better. Year-one points only.

  First year value

  ~$900 after the first-year fee

  est. value after fees

  iHow we get to $90090,000 pts × 1.5¢$1,350First-year annual fee−$450First-year value$900Year-one points only: +60,000 pts later ($6,000 spend within 90 days of first card anniversary) aren't counted. Our estimate, not a guaranteed saving.

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• 

  MyCard Premier Credit Card (Velocity) (Velocity Frequent Flyer)

  Bonus pointsUp to

  100,000PTS

  i60,000 pts after $7,000 in 90 days + 40,000 pts (Keep the card open more than 12 months). No set end date.

  Earn rate

  0.5PTS

  per $1 spent

  iEarns MyCard Reward Points, auto-converted to Velocity at 3:12 MyCard pts per $1 on international spend and domestic travel bookings1.5 MyCard pts per $1 on other domestic spend

  Annual fee

  $300

  a year

  Cost per point

  0.50¢

  per point, year one

  iHow we get to 0.50¢ a pointYear-one points60,000First-year annual fee$300$300 ÷ 60,0000.50¢Lower is better. Year-one points only.

  First year value

  ~$600 after the first-year fee

  est. value after fees

  iHow we get to $60060,000 pts × 1.5¢$900First-year annual fee−$300First-year value$600Year-one points only: +40,000 pts later (Keep the card open more than 12 months) aren't counted. Our estimate, not a guaranteed saving.

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• 

  Qantas American Express Ultimate (Qantas Frequent Flyer)

  Bonus pointsUp to

  120,000PTS

  i70,000 pts after $5,000 in 90 days + 50,000 pts (Further $5,000 spend in the first 3 months of year 2). Offer ends 17 Nov 2026.

  Earn rateUp to

  1.25PTS

  per $1 spent

  i2.25 pts per $1 on eligible Qantas products and services1.25 pts per $1 on everyday purchases0.5 pts per $1 at Australian government bodiesEveryday rate drops to 1 pt per $1 after 100,000 pts earned in a calendar year

  Annual fee

  $450

  a year

  Cost per point

  0.64¢

  per point, year one

  iHow we get to 0.64¢ a pointYear-one points70,000First-year annual fee$450$450 ÷ 70,0000.64¢Lower is better. Year-one points only.

  First year value

  ~$600 after the first-year fee

  est. value after fees

  iHow we get to $60070,000 pts × 1.5¢$1,050First-year annual fee−$450First-year value$600Year-one points only: +50,000 pts later (Further $5,000 spend in the first 3 months of year 2) aren't counted. Our estimate, not a guaranteed saving.

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• 

  American Express Essential Rewards Credit Card (American Express Membership Rewards)

  Bonus points

  30,000PTS

  iSpend $3,000 in 90 days to earn the bonus. No set end date.

  Earn rate

  1PTS

  per $1 spent

  i5 pts per $1 on eligible eats and drinks in Australia3 pts per $1 on selected streaming subscriptions2 pts per $1 at selected major Australian retailers1 pt per $1 on everything elseAccelerated rates apply to the first 10,000 pts per month, then 1 pt per $1

  Annual fee

  $108

  a year

  Cost per point

  0.72¢

  per point, year one

  iHow we get to 0.72¢ a pointYear-one points30,000As Qantas/Velocity points≈ 15,000First-year annual fee$108$108 ÷ 15,0000.72¢Lower is better. Year-one points only.

  First year value

  ~$117 after the first-year fee

  est. value after fees

  iHow we get to $11730,000 pts × 0.75¢$225First-year annual fee−$108First-year value$117Year-one points only. Our estimate, not a guaranteed saving.

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