Credit card offers

Australia only Referral link

Limited time Ends 17 Nov 2026

Offer

Up to 120,000 bonus Qantas Points

Fee

$450 annual fee

Apply for the Qantas American Express Ultimate Card using my referral link and you can earn up to 120,000 bonus Qantas Points. That is 70,000 points when you apply online by 17 November 2026, are approved and spend $5,000 on eligible purchases in the first 3 months, plus a further 50,000 points when you spend another $5,000 on eligible purchases within the first 3 months of your second year of Card membership. The link also lets you choose from other American Express Cards in the referral program.

Australia only Referral link

Offer

20,000 bonus Qantas Points

Fee

$249 annual fee

Apply for the Qantas American Express Premium Card using my referral link and you receive 20,000 bonus Qantas Points when you are approved and spend $3,000 on eligible purchases on your new Card within the first 3 months. The annual fee is $249.

Australia only Referral link

Limited time Ends 10 Nov 2026

Offer

150,000 bonus Qantas Points plus $200 Travel Fund

Fee

$450 annual fee

Apply for the American Express Qantas Business Rewards Card using my referral link by 10 November 2026 and you receive 150,000 bonus Qantas Points plus $200 in your Qantas Business Rewards Travel Fund when you are approved and spend $6,000 on eligible purchases on your new Card in the first 3 months. The annual fee is $450.

Australia only Referral link

Limited time Ends 3 Nov 2026

Offer

350,000 bonus Membership Rewards Points plus a $875 credit

Fee

$1,750 annual fee

Apply for the American Express Platinum Business Card using my referral link by 3 November 2026 and you receive 350,000 bonus Membership Rewards Points plus a $875 credit when you are approved and spend $12,000 on eligible purchases on your new Card in the first 3 months. The annual fee is $1,750.

UK only Referral link

Offer

Bonus Avios when you spend a qualifying amount

Fee

No annual fee

Apply for the British Airways American Express Classic Credit Card using my referral link. You'll earn Avios points on your everyday spending which can be redeemed for flights, cabin upgrades, hotels, and more with British Airways and partner airlines. There's no annual fee on the Classic card, making it a great way to earn travel rewards on purchases you'd make anyway.

Australia only

Offer

0% p.a. on balance transfers for 26 months

Fee

$99 p.a. annual card fee

A 3% balance transfer fee applies, and any unpaid transferred balance reverts to the variable cash advance rate after 26 months. Existing NAB customers who apply through Internet Banking, the NAB app or a banker also pay no annual fee in the first year.

Australia only

Offer

$400 cashback

Fee

$99 p.a. annual card fee

Spend $5,000 on purchases within 150 days of account opening. Existing NAB customers who apply through Internet Banking, the NAB app or a banker also pay $0 annual card fee in the first year.

Australia only

Offer

$250 cashback

Fee

$49 p.a. annual card fee

New customers get $250 cashback after spending $1,500 on purchases within 90 days of account opening. Existing NAB customers get $350 cashback for the same spend plus a $0 annual card fee in the first year.

Australia only

Offer

Up to 40,000 bonus Qantas Points and $150 cashback

Fee

$295 p.a. annual card fee

New customers get 25,000 bonus points and $150 cashback after spending $4,000 on everyday purchases within the first 90 days, plus 15,000 bonus points after keeping the card for over 12 months; existing NAB customers get up to 60,000 points (40,000 + 20,000) and the same cashback. Bonus points are not available to anyone who holds or has held a personal NAB Qantas Rewards card in the last 36 months.

Australia only

Offer

Up to 60,000 bonus Qantas Points and $200 cashback

Fee

$449 p.a. annual card fee

New customers get 40,000 bonus points and $200 cashback after spending $5,000 on everyday purchases within the first 90 days, plus 20,000 bonus points after keeping the card for over 12 months; existing NAB customers get up to 80,000 points (50,000 + 30,000) and the same cashback. Bonus points are not available to anyone who holds or has held a personal NAB Qantas Rewards card in the last 36 months.

Australia only

Offer

Up to 100,000 bonus NAB Rewards Points

Fee

$195 p.a. annual card fee

80,000 bonus points after spending $3,000 on everyday purchases within the first 90 days, plus 20,000 bonus points after keeping the card for over 12 months; existing NAB customers also pay a reduced $95 annual card fee in the first year. Bonus points are not available to anyone who holds or has held a personal NAB Rewards card in the last 24 months.

Australia only

Offer

Up to 180,000 bonus NAB Rewards Points

Fee

$395 p.a. annual card fee

120,000 bonus points after spending $5,000 on everyday purchases within the first 90 days of account opening, plus 60,000 bonus points after keeping the card for over 12 months.

Australia only

Offer

Up to 80,000 bonus Velocity Points

Fee

$195 p.a. annual card fee

40,000 Velocity Points (converted from 120,000 NAB Rewards bonus points) after spending $4,000 within the first 90 days, plus another 40,000 Velocity Points after keeping the card for over 12 months. New cardholders only.

Australia only

Offer

Up to 90,000 bonus Velocity Points

Fee

$395 p.a. annual card fee

50,000 Velocity Points (converted from 150,000 NAB Rewards bonus points) after spending $5,000 within the first 90 days, plus 40,000 Velocity Points after keeping the card for over 12 months. Available online to new cardholders only.

Australia only

Offer

Up to 100,000 CommBank Yello points and up to $600 in travel credits

Fee

$35 per month, or $0 in a statement period with at least $4,000 spend (this waiver is removed from 1 January 2027)

50,000 points and $300 in travel credits when you spend $9,000 on eligible purchases within 90 days of activating a new card, another 50,000 points if the account stays open for more than 12 months, and up to $300 a year in travel credits paid as $25 a month. Points require CommBank Yello eligibility; not available if you held an Awards, Smart or Ultimate card as primary cardholder in the previous 24 months or are switching from another card.

Australia only

Offer

Up to 60,000 CommBank Yello points

Fee

$19 per month, or $0 in a statement period with at least $2,000 spend (this waiver is removed from 1 January 2027)

30,000 points when you spend $4,500 on eligible purchases within 90 days of activating a new card, and another 30,000 points if the account stays open for more than 12 months. Points require CommBank Yello eligibility; not available if you held an Awards, Smart or Ultimate card as primary cardholder in the previous 24 months or are switching from another card.

Australia only

Offer

Up to $420 cashback

Fee

$6 per month

$70 cashback for each statement period in which you spend $500 or more on eligible purchases, for up to six statement periods on a new card. Not available if you held a Low Rate or Low Fee card as primary cardholder in the previous 24 months or are switching from another card.

Australia only

Offer

Up to $240 cashback

Fee

$3 per month, or $0 in a statement period with at least $300 spend

$40 cashback for each statement period in which you spend $500 or more on eligible purchases, for up to six statement periods on a new card. Not available if you held a Low Rate or Low Fee card as primary cardholder in the previous 24 months or are switching from another card.

Offer

Up to 100,000 bonus Qantas Points

Fee

$175 annual card fee plus $125 annual Altitude Qantas Rewards Program fee

70,000 points when you spend $4,000 or more on eligible purchases within 90 days of card approval, and a further 30,000 points when you spend $4,000 or more within 90 days of the card anniversary in year 2. New cards only; not available if you have held an Altitude Platinum or Altitude Black card in the last 24 months. Existing Westpac customers pay a $99 card fee in the first year.

Offer

Up to 150,000 bonus Qantas Points and 50 Status Credits

Fee

$295 annual card fee plus $155 annual Altitude Qantas Rewards Program fee

90,000 points and 50 Status Credits when you spend $6,000 or more on eligible purchases within 90 days of card approval, and a further 60,000 points when you spend $6,000 or more within 90 days of the card anniversary in year 2. New cards only; not available if you have held an Altitude Platinum or Altitude Black card in the last 24 months. Existing Westpac customers pay a $200 card fee in the first year.

Offer

Up to 100,000 bonus Altitude Points and a $99 first year card fee

Fee

$99 card fee in the first year, then $175 p.a., plus $75 annual Altitude Rewards Program fee

75,000 points when you spend $3,000 or more on eligible purchases within 90 days of card approval, and a further 25,000 points after your first eligible purchase in year 2. New cards only; not available if you have held an Altitude Platinum or Altitude Black card in the last 24 months. Existing Westpac customers pay a $49 card fee in the first year.

Offer

Up to 200,000 bonus Altitude Points and a $200 first year card fee

Fee

$200 card fee in the first year, then $295 p.a., plus $75 annual Altitude Rewards Program fee

100,000 points when you spend $12,000 or more on eligible purchases within 12 months of card approval, and a further 100,000 points when you spend $12,000 or more in year 2. New cards only; not available if you have held an Altitude Platinum or Altitude Black card in the last 24 months. Existing Westpac customers pay a $149 card fee in the first year.

Offer

Up to 100,000 bonus Velocity Points

Fee

$175 annual card fee plus $125 annual Altitude Velocity Rewards Program fee

70,000 points when you spend $4,000 or more on eligible purchases within 90 days of card approval, and a further 30,000 points when you spend $4,000 or more within 90 days of the card anniversary in year 2. New cards only; not available if you have held an Altitude Platinum or Altitude Black card in the last 24 months. Existing Westpac customers pay a $99 card fee in the first year.

Offer

Up to 150,000 bonus Velocity Points

Fee

$295 annual card fee plus $155 annual Altitude Velocity Rewards Program fee

90,000 points when you spend $6,000 or more on eligible purchases within 90 days of card approval, and a further 60,000 points when you spend $6,000 or more within 90 days of the card anniversary in year 2. New cards only; not available if you have held an Altitude Platinum or Altitude Black card in the last 24 months. Existing Westpac customers pay a $200 card fee in the first year.

Offer

Up to $450 cashback

Fee

$7 monthly card fee

$75 cashback for each month you spend $1,000 or more on eligible purchases, for the first 6 months from card approval. New cards only; not available if you have held a Westpac credit card in the last 24 months, and it is chosen instead of the balance transfer offer. Existing Westpac customers have the card fee waived for the first year.

Offer

0% p.a. for 20 months on balance transfers

Fee

$7 monthly card fee

Applies to balances from up to 3 non-Westpac Australian credit or store cards requested at card application, with a 3% balance transfer fee; after 20 months the rate reverts to the variable cash advance rate (21.99% p.a.). New cards only; not available if you have held a Westpac credit card in the last 24 months, and it is chosen instead of the cashback offer. Existing Westpac customers have the card fee waived for the first year.

Offer

$240 cashback and $0 first year card fee

Fee

$0 card fee in the first year, then $30 p.a. (or $0 when you spend $5,000 or more in the year)

$240 cashback when you spend $3,500 or more on eligible purchases in the first 90 days from card approval. New cards only; not available if you have held a Westpac credit card in the last 24 months.

Australia only

Offer

$220 back to your new card

Fee

$30 annual fee

$220 credited to the card when you spend $1,500 on eligible purchases in the first 3 months from approval. New and approved applicants only, one offer per applicant; not available when transferring from an existing ANZ credit card.

Australia only

Offer

$450 back to your new card and $0 annual fee in the first year

Fee

$0 annual fee in the first year, then $87 (waived in any later year you spend $20,000 or more on eligible purchases)

$450 credited to the card when you spend $4,500 on eligible purchases in the first 4 months from approval. New and approved applicants only, one offer per applicant; not available when transferring from an existing ANZ credit card.

Australia only

Offer

$400 back to your new card

Fee

$58 annual fee

$400 credited to the card when you spend $5,000 on eligible purchases in the first 6 months from approval. New and approved applicants only, one offer per applicant; chosen instead of the balance transfer offer.

Australia only

Offer

0% p.a. on balance transfers for 26 months and $0 annual fee in the first year

Fee

$0 annual fee in the first year, then $58

For balances from non-ANZ Australian credit and store cards requested when applying for a new card, with a 3% balance transfer fee. The 26 months run from approval, then the rate reverts to 23.49% p.a. Chosen instead of the credit back offer.

Australia only

Offer

Up to 125,000 extra ANZ Reward Points and $50 back

Fee

$149 annual fee

85,000 points and $50 back when you spend $3,500 on eligible purchases in the first 3 months from approval, plus 40,000 points when you keep the card for over 15 months from activation. Not available if you have held an ANZ Rewards or ANZ Frequent Flyer card in the last 24 months.

Australia only

Offer

Up to 80,000 bonus Velocity Points and $50 back

Fee

$149 annual fee

Switch on auto-redemption to Velocity within 3 months of approval and keep it on: 60,000 points and $50 back when you spend $3,500 on eligible purchases in the first 3 months, plus 20,000 points after 15 months. Not available if you have held an ANZ Rewards or Frequent Flyer card in the last 24 months.

Australia only

Offer

Up to 100,000 bonus Qantas Points

Fee

$425 annual fee

50,000 points when you spend $6,000 on eligible purchases in the first 3 months from approval, plus 50,000 points when you keep the card for over 12 months. The initial points are not available if you have held an ANZ Rewards or ANZ Frequent Flyer card in the last 24 months.

Australia only

Offer

Up to 50,000 bonus Qantas Points

Fee

$295 annual fee

25,000 points when you spend $3,500 on eligible purchases in the first 4 months from approval, plus 25,000 points when you keep the card for over 12 months. The initial points are not available if you have held an ANZ Rewards or ANZ Frequent Flyer card in the last 24 months.

Offer

Up to $450 cashback, plus 6.99% p.a. on balance transfers for 12 months

Fee

$7 monthly card fee

$75 cashback for each of the first 6 statement periods in which $1k or more is spent on eligible purchases; the balance transfer rate applies to transfers requested at card application and reverts to the variable cash advance rate afterwards. New Vertigo cards only, not available to anyone who has held a BankSA, St.George or Bank of Melbourne credit card in the last 24 months.

Offer

0% p.a. on balance transfers for 20 months

Fee

$7 monthly card fee; 3% balance transfer fee

For balance transfers requested at application on a new Vertigo card, from up to 3 Australian credit or store cards not issued by BankSA, St.George or Bank of Melbourne (minimum $200, up to 80% of the approved credit limit). A 3% balance transfer fee applies and the variable cash advance rate applies after the 20 months; this is an alternative to the cashback offer.

Offer

Up to 100,000 bonus Amplify Points and a $99 first year card fee

Fee

$99 card fee in the first year, then $175 p.a.; plus $75 annual Amplify Rewards Program fee

75,000 points for spending $3k or more on eligible purchases within 90 days of card approval, and a further 25,000 points after the first eligible purchase in the second year. New cards only, not available to anyone who has held a BankSA, St.George or Bank of Melbourne rewards card in the last 24 months.

Offer

Up to 200,000 bonus Amplify Points and a $199 first year card fee

Fee

$199 card fee in the first year, then $295 p.a.; plus $75 annual Amplify Rewards Program fee

100,000 points for spending $12k or more on eligible purchases within 12 months of card approval, and a further 100,000 points for spending $12k or more in the second year. New cards only, not available to anyone who has held a BankSA, St.George or Bank of Melbourne rewards card in the last 24 months.

Offer

Up to 100,000 bonus Qantas Points

Fee

$175 annual card fee; plus $125 annual Qantas Rewards Program fee

70,000 points for spending $4k or more on eligible purchases within 90 days of card approval, and a further 30,000 points for spending $4k or more within 90 days of the card anniversary in the second year. New cards only, not available to anyone who has held a BankSA, St.George or Bank of Melbourne rewards card in the last 24 months.

Offer

Up to 150,000 bonus Qantas Points

Fee

$295 annual card fee; plus $155 annual Qantas Rewards Program fee

90,000 points for spending $6k or more on eligible purchases within 90 days of card approval, and a further 60,000 points for spending $6k or more within 90 days of the card anniversary in the second year. New cards only, not available to anyone who has held a BankSA, St.George or Bank of Melbourne rewards card in the last 24 months.

Offer

Up to $450 cashback, plus 6.99% p.a. on balance transfers for 12 months

Fee

$7 monthly card fee

$75 cashback for each of the first 6 statement periods in which $1k or more is spent on eligible purchases; the balance transfer rate applies to transfers requested at card application. New cards only, not available if you have held a St.George, Bank of Melbourne or BankSA credit card in the last 24 months.

Offer

0% p.a. on balance transfers for 20 months

Fee

$7 monthly card fee; 3% balance transfer fee

For balance transfers requested at application on a new Vertigo card, from up to 3 Australian credit or store cards not issued by St.George, Bank of Melbourne or BankSA (minimum $200, up to 80% of the approved credit limit). The variable cash advance rate (21.99% p.a.) applies after the 20 months.

Offer

Up to 100,000 bonus Amplify Points and a $99 first year card fee

Fee

$99 card fee in the first year, then $175 p.a.; plus $75 annual Amplify Rewards Program fee

75,000 points for spending $3k or more on eligible purchases within 90 days of card approval, and a further 25,000 points after the first eligible purchase in year 2. New cards only, not available if you have held a St.George, Bank of Melbourne or BankSA rewards card in the last 24 months.

Offer

Up to 200,000 bonus Amplify Points and a $199 first year card fee

Fee

$199 card fee in the first year, then $295 p.a.; plus $75 annual Amplify Rewards Program fee

100,000 points for spending $12k or more on eligible purchases within 12 months of card approval, and a further 100,000 points for spending $12k or more in year 2. New cards only, not available if you have held a St.George, Bank of Melbourne or BankSA rewards card in the last 24 months.

Offer

Up to 100,000 bonus Qantas Points

Fee

$175 annual card fee; plus $125 annual Qantas Rewards Program fee

70,000 points for spending $4k or more on eligible purchases within 90 days of card approval, and a further 30,000 points for spending $4k or more within 90 days of the card anniversary in year 2. New cards only, not available if you have held a St.George, Bank of Melbourne or BankSA rewards card in the last 24 months.

Offer

Up to 150,000 bonus Qantas Points

Fee

$295 annual card fee; plus $155 annual Qantas Rewards Program fee

90,000 points for spending $6k or more on eligible purchases within 90 days of card approval, and a further 60,000 points for spending $6k or more within 90 days of the card anniversary in year 2. New cards only, not available if you have held a St.George, Bank of Melbourne or BankSA rewards card in the last 24 months.

Offer

Up to $450 cashback, plus 6.99% p.a. on balance transfers for 12 months

Fee

$7 monthly card fee

$75 cashback for each of the first 6 statement periods in which $1k or more is spent on eligible purchases; the balance transfer rate applies to transfers requested at card application. New cards only, not for anyone who has held a Bank of Melbourne, St.George or BankSA credit card in the last 24 months.

Offer

0% p.a. on balance transfers for 20 months

Fee

$7 monthly card fee; 3% balance transfer fee

For balance transfers requested at application on a new Vertigo card, from up to 3 Australian credit or store cards not issued by Bank of Melbourne, St.George or BankSA (minimum $200, up to 80% of the approved credit limit). The variable cash advance rate (21.99% p.a.) applies after the 20 months.

Offer

Up to 100,000 bonus Amplify Points and a $99 first year card fee

Fee

$99 card fee in the first year, then $175 p.a.; plus $75 annual Amplify Rewards Program fee

75,000 points for spending $3k or more on eligible purchases within 90 days of card approval, and a further 25,000 points after the first eligible purchase in the second year. New cards only, not for anyone who has held a Bank of Melbourne, St.George or BankSA rewards card in the last 24 months.

Offer

Up to 200,000 bonus Amplify Points and a $199 first year card fee

Fee

$199 card fee in the first year, then $295 p.a.; plus $75 annual Amplify Rewards Program fee

100,000 points for spending $12k or more on eligible purchases within 12 months of card approval, and a further 100,000 points for spending $12k or more in the second year. New cards only, not for anyone who has held a Bank of Melbourne, St.George or BankSA rewards card in the last 24 months.

Offer

Up to 100,000 bonus Qantas Points

Fee

$175 annual card fee; plus $125 annual Qantas Rewards Program fee

70,000 points for spending $4k or more on eligible purchases within 90 days of card approval, and a further 30,000 points for spending $4k or more within 90 days of the card anniversary in the second year. New cards only, not for anyone who has held a Bank of Melbourne, St.George or BankSA rewards card in the last 24 months.

Offer

Up to 150,000 bonus Qantas Points

Fee

$295 annual card fee; plus $155 annual Qantas Rewards Program fee

90,000 points for spending $6k or more on eligible purchases within 90 days of card approval, and a further 60,000 points for spending $6k or more within 90 days of the card anniversary in the second year. New cards only, not for anyone who has held a Bank of Melbourne, St.George or BankSA rewards card in the last 24 months.

Australia only

Offer

0% p.a. for 6 months on purchases and balance transfers

Fee

$0 annual fee

For new Zero Mastercard customers, from the date the card is opened; a 3% balance transfer fee applies and the minimum transfer is $500. After 6 months the 18.99% p.a. ongoing rate applies. Not available when switching from another Bankwest credit card.

Australia only

Offer

0% p.a. for 24 months on balance transfers

Fee

$59 annual fee

For new Breeze Mastercard customers, from the date the card is opened; a 3% balance transfer fee applies and the minimum transfer is $500. After 24 months the 12.99% p.a. ongoing rate applies. Not available when switching from another Bankwest credit card.

Australia only

Offer

Up to 40,000 bonus Qantas Points

Fee

$199 annual fee (Platinum) or $320 annual fee (World)

20,000 points when you spend $4,000 or more on eligible purchases within 4 months of account opening, and 20,000 more for keeping the account open 15 months. New cards applied for and opened on or after 1 October 2026; not if you held a Bankwest Qantas Mastercard in the last 36 months.

Australia only

Offer

2.99% p.a. for 9 months on balance transfers

Fee

$199 annual fee (Platinum) or $320 annual fee (World)

For new Bankwest Qantas Mastercard customers, from the date the card is opened; the minimum transfer is $500. After 9 months the 19.99% p.a. ongoing balance transfer rate applies. Not available when switching from another Bankwest credit card.

Australia only

Offer

Up to 50,000 bonus More Rewards Points

Fee

$270 annual fee

40,000 points when you spend $10,000 or more on eligible purchases within 90 days of account opening, and 10,000 more for keeping the account open and in use for 15 months. New cards applied for and opened on or after 1 October 2026; not if you held a More Mastercard in the last 24 months.

Australia only

Offer

0% p.a. for 6 months on balance transfers

Fee

$270 annual fee

For new Bankwest More Mastercard customers, from the date the card is opened; a 1% balance transfer fee applies and the minimum transfer is $500. After 6 months the 14.99% p.a. ongoing balance transfer rate applies. Not available when switching from another Bankwest credit card.