Credit card sign-up bonuses in Australia, September 2026

1. 

   1
   $930net of $1,450 first-year fee
   240,000 + 100,000 yr 2 Membership Rewards
   🏦

   American ExpressAmerican Express Platinum Card
   Go to site
2. 

   2
   $905net of $295 first-year fee
   90,000 + 60,000 yr 2 Qantas
   🏦

   St GeorgeAmplify Qantas Signature
   Go to site
3. 

   3
   $905net of $295 first-year fee
   90,000 + 60,000 yr 2 Qantas
   🏦

   Bank of MelbourneAmplify Qantas Signature
   Go to site

1. 4
   
   BankSA Amplify Qantas Signature 90,000 + 60,000 yr 2$295 fee$905Site
2. 5
   
   Westpac Altitude Velocity Black90,000 + 60,000 yr 2$370 fee$830Site
3. 6
   
   Westpac Altitude Qantas Black90,000 + 60,000 yr 2$370 fee$830Site
4. 7
   
   Bank of Melbourne Amplify Rewards Signature100,000 + 100,000 yr 2$199 fee$801Site
5. 8
   
   St George Amplify Rewards Signature100,000 + 100,000 yr 2$199 fee$801Site
6. 9
   
   BankSA Amplify Rewards Signature100,000 + 100,000 yr 2$199 fee$801Site
7. 10
   
   Westpac Altitude Black Rewards World Mastercard100,000 + 100,000 yr 2$200 fee$800Site

Compare all 100

Ranked by the bonus's value in points less the card's first-year fee, so a large bonus on an expensive card and a smaller one on a free card compare fairly. Where an offer is paid in two parts, the first-year points are shown with the second-year leg after them. Points are valued at BankMate's editorial rate for each program; every offer has a minimum spend and is for new card members — see the card for its terms.

1. 1
   
   American Express American Express Essential Rewards Credit Card5 Membership Rewards pts/$3.50¢/$
2. 2
   
   American Express American Express Platinum Card2.25 Membership Rewards pts/$1.57¢/$
3. 3
   
   Latitude Finance David Jones Prestige Credit Card3 Earn David Jones credit card points pts/$1.50¢/$
4. 4
   
   Bankwest Bankwest More World Mastercard2.5 More Rewards pts/$1.25¢/$
5. 5
   
   HSBC HSBC Platinum Qantas Credit Card1.5 Qantas pts/$1.20¢/$
6. 6
   
   HSBC HSBC Premier World Mastercard Qantas1.5 Qantas pts/$1.20¢/$
7. 7
   
   Bankwest Bankwest More Platinum Mastercard2 More Rewards pts/$1.00¢/$
8. 8
   
   NAB Coles Rewards Mastercard2 Flybuys pts/$1.00¢/$
9. 9
   
   Commonwealth Bank Smart Awards credit card2 Smart Awards pts/$1.00¢/$
10. 10
    
    Latitude Finance David Jones Premiere Credit Card2 Earn David Jones credit card points pts/$1.00¢/$

Base rate on everyday purchases, converted to cents per dollar at each program's editorial point value. Category bonuses (dining, groceries, travel) and earn caps are not included here.

1. 1
   
   American Express American Express Platinum Card$1,450
2. 2
   
   HSBC HSBC Star Alliance Credit Card$499 · $0 yr 1
3. 3
   
   American Express Qantas American Express Ultimate Card$450
4. 4
   
   American Express American Express Velocity Platinum Card$440
5. 5
   
   ANZ ANZ Frequent Flyer Black$425

The five highest annual fees tracked. A first-year fee is shown where the issuer publishes one.

Data

Each issuer's Consumer Data Right (open banking) product feed, re-read nightly, plus a weekly read of the card pages for issuers that publish no feed. A change is recorded whenever a card's sign-up bonus, annual fee or earn rate differs from the last value stored.

Figures

This is the current month, so the tables show live figures. Changes compare the last value before the month with the last value within it. 133 history entries fall in this month. Tracking began in September 2026.

Scope

Personal credit and charge cards open to Australian residents, as listed on BankMate; one entry per card. Not financial advice. Methodology · Today's full ranking