Are you looking for the best credit cards with rewards in Australia for 2023? If so, you’ve come to the right place! In this blog post, we’ll be discussing the 10 best credit cards with rewards in Australia for 2023. We’ll go over all of the benefits and features of each card, as well as any potential drawbacks. We’ll also provide tips on how to make the most out of the rewards you earn. So, if you’re in the market for a new credit card with rewards, read on to find out which one is right for you.
The Commonwealth Bank Awards American Express Card is one of the best credit cards with rewards in Australia for 2023. This card gives you points for every dollar you spend, so the more you use it the more rewards you can get. With a generous sign-up bonus of 60,000 points and an uncapped rewards program, this card offers a great way to earn rewards fast. Plus, you’ll get complimentary insurance, a concierge service, and access to exclusive benefits.
When it comes to earning points, you’ll get 3 points per $1 spent on eligible travel purchases and 2 points per $1 spent at major supermarkets, major petrol stations, and selected government bodies in Australia. You can also get 1 point per $1 spent on all other eligible purchases. When it comes time to redeem your rewards, there’s a huge range of options including flights, hotels, shopping vouchers, and much more.
Overall, the Commonwealth Bank Awards American Express Card is a great choice for those looking for a rewards program that can really pay off in 2023. With generous points and lots of ways to redeem them, it’s no wonder why this card is so popular in Australia.
2) NAB Rewards Signature Card
The NAB Rewards Signature Card is a great choice for those looking to maximize their rewards. With the NAB Rewards Signature Card, you can earn 1 NAB Rewards point for every $1 spent on eligible purchases. You can also use your points to redeem rewards like gift cards, travel, and merchandise. Plus, you can enjoy a complimentary domestic return flight with Virgin Australia each year when you spend a minimum of $3,000 on eligible purchases in the first 90 days.
When it comes to the benefits, the NAB Rewards Signature Card offers up to 55 days interest-free on purchases and has a very low annual fee of $99. You also get complimentary travel insurance when you purchase a return domestic or international flight with your card. Other perks include access to a 24/7 Visa Concierge, discounts on car rental and hotel bookings, and more.
Overall, the NAB Rewards Signature Card is one of the best credit cards in Australia with great rewards and lots of benefits. If you’re looking for a card that will reward you for your spending and give you added benefits, then the NAB Rewards Signature Card is a great choice.
3) ANZ Rewards Travel Adventures Card
The ANZ Rewards Travel Adventures Card is a great choice for those who want to get rewarded for their everyday spending and are looking for a card with travel benefits. With this card, you will receive two reward points for every dollar you spend on eligible purchases, which can then be redeemed for flights, accommodation, and other travel rewards. You also have access to a range of exclusive discounts and offers when you use the card abroad.
In addition to the rewards points, you can also take advantage of the complimentary travel insurance that comes with the card. This includes cover for lost or stolen luggage and medical expenses when traveling overseas. You also get rental vehicle excess cover for up to $4,000 and transit accident insurance for up to $500,000.
To help you manage your finances, the ANZ Rewards Travel Adventures Card also comes with online budgeting tools such as a personal finance manager. This allows you to track and monitor your spending, create budgets, and set goals to reach your financial goals.
Overall, the ANZ Rewards Travel Adventures Card is a great option for those who want to get rewarded for their spending while also having access to a range of travel benefits.
4) Citi Prestige Credit Card
The Citi Prestige Credit Card is one of the best rewards cards in Australia. With a competitive rewards program, a competitive interest rate, and a host of other benefits, this card offers great value for money.
The card offers 2 points per dollar spent on everyday purchases and up to 5 points per dollar on select Citi purchases. The points can be redeemed for travel rewards, including flights, hotel stays, and car hire. Points can also be converted to cashback or donated to charity.
The Citi Prestige Credit Card also has a range of exclusive benefits, such as access to exclusive events and discounts on airfares and hotels. The card also comes with a complimentary travel insurance policy, giving you peace of mind when you’re traveling.
The card has a competitive interest rate, but it does come with an annual fee of $399 per year. This can be offset by taking advantage of the rewards program and making sure you pay off your balance each month.
Overall, the Citi Prestige Credit Card is an excellent choice if you’re looking for a rewards card with excellent benefits and a competitive interest rate. It’s ideal for those who travel regularly and want to make the most of their spending.
5) American Express Platinum Reserve Credit Card
The American Express Platinum Reserve Credit Card is the perfect card for those looking for the ultimate rewards package. With a generous points scheme and generous rewards, you can earn points on all purchases. You’ll earn 4 Membership Rewards points for every dollar spent at participating stores, 5 points for every dollar spent overseas in foreign currencies, and 6 points for every dollar spent with American Express travel.
The card also offers some great additional features, such as access to a range of VIP airport lounges, complimentary hotel nights, free domestic flight upgrades, and discounted flights on select airlines. Plus, you get access to a 24/7 concierge service, which can help you book flights and hotels, get restaurant recommendations, and more.
There are no annual fees on this card and it comes with a low-interest rate of 12.99%. There’s also an introductory balance transfer offer of 0% interest for the first 6 months and a balance transfer fee of 1.5%.
All in all, the American Express Platinum Reserve Credit Card is a great choice for those looking for an elite rewards package. It offers generous points, excellent additional features, and a low-interest rate.
6) HSBC Premier World Elite Mastercard
The HSBC Premier World Elite Mastercard is an excellent option for those looking for an easy way to earn rewards and enjoy a range of exclusive benefits. With this card, you will receive a range of travel perks, including airport lounge access, complimentary night stays, upgrades, and much more. You will also earn 2 points for every dollar spent on international purchases, and 1 point for every dollar spent domestically.
In addition to rewards, you will also enjoy other exclusive benefits. These include a concierge service that can help you with booking reservations or locating the perfect gift, extended warranty and purchase protection, and no foreign transaction fees.
The HSBC Premier World Elite Mastercard is a great choice if you want to earn rewards while traveling in style. You can also take advantage of its generous rewards program, allowing you to save on flights and hotels when you use your card. With its flexible points redemption system and the potential to earn up to 4 points per dollar on certain purchases, the HSBC Premier World Elite Mastercard is definitely worth considering.
7) St. George Amplify Signature Visa
The St. George Amplify Signature Visa is one of the best credit cards for rewards in Australia. It is perfect for frequent flyers, as it comes with complimentary Virgin Australia Velocity lounge passes and travel credits. You will also earn up to 3 points per $1 spent on eligible purchases, and up to 10 points per $1 spent on Amplify Reward Partner purchases. On top of that, you will receive a bonus signup reward of 25,000 Amplify Reward Points after spending $3,000 within 90 days of card approval.
The St. George Amplify Signature Visa also offers great additional benefits like complimentary domestic travel insurance, overseas travel insurance, and purchase protection. As an added perk, you will receive a complimentary subscription to the lifestyle magazine Vogue. Finally, this card features no annual fee for the first year, and then a low annual fee of $129 for subsequent years.
Overall, the St. George Amplify Signature Visa is an excellent choice for rewards seekers in Australia. With its generous points system and additional perks, it is sure to help you get the most out of your travels.
8) Westpac Altitude Black World Mastercard
The Westpac Altitude Black World Mastercard offers great rewards and is perfect for frequent travelers. This card comes with an impressive array of benefits, such as a complimentary return economy flight each year, up to 10 free lounge visits annually, discounted airport transfers, exclusive access to special offers, and up to 2% cash back on eligible purchases.
You can also take advantage of 24/7 emergency assistance and insurance coverage while traveling. Plus, you will earn Altitude points which can be used to redeem flights, accommodation, gift cards, and more.
If you’re looking for a rewarding credit card that offers travel perks and cashback rewards, then the Westpac Altitude Black World Mastercard is definitely worth considering. It provides plenty of benefits for frequent travelers, as well as discounts and rewards for everyday purchases. With its generous rewards program and wide range of features, this card is ideal for anyone who travels regularly or loves to shop.
9) AMEX Qantas Ultimate Credit Card
The American Express Qantas Ultimate Credit Card offers an unbeatable rewards program for frequent flyers. With this card, you will earn up to 2 Qantas Points per $1 spent on eligible purchases made in Australia, and 1 Qantas Point per $1 spent on international purchases. You’ll also receive two complimentary Qantas Club lounge passes each year, and discounted domestic flights with the Qantas Frequent Flyer program.
In addition, you’ll receive a 50% bonus on any Qantas Points earned from the Qantas Frequent Flyer program, as well as travel insurance and additional purchase protection. The annual fee is $299, but you can save $30 when you apply online.
10) Citigroup Virgin Australia Velocity Flyer Card
The Citigroup Virgin Australia Velocity Flyer Card is a great option for travelers who want to maximize their rewards and take advantage of discounts on flights with Virgin Australia. This card offers two points for every dollar spent on purchases with Virgin Australia, up to 60,000 points per year. You can redeem these points for discounts on flights, upgrades, hotels, and more. Additionally, you can earn bonus points by signing up for the Velocity frequent flyer program.
The Citigroup Virgin Australia Velocity Flyer Card also provides access to a range of other benefits, including complimentary travel insurance, concierge services, and 24/7 customer service. You can also enjoy exclusive access to the Virgin Australia Lounge at select airports. Plus, you can take advantage of up to 55 days of interest-free purchases.
To apply for the Citigroup Virgin Australia Velocity Flyer Card, you must be 18 years or older and have a good credit history. You will also need to provide proof of income and employment. The annual fee for this card is $99 and you can get a balance transfer rate of 0% for the first twelve months.