Card reportAs of 30 September 2026September 2026

The top sign-up bonus is worth $930 after its first-year fee. 66 of 112 cards carry an offer.

Top cards

As of 30 September 2026

1st
$930Platinum Card American Express$2,380 bonus less a $1,450 fee in year oneGo to site
2nd=Amplify Qantas SignatureBank of Melbourne$905
2nd=
$905Amplify Qantas Signature Bank of Melbourne$1,200 bonus less a $295 fee in year oneGo to site
2nd=Amplify Qantas SignatureBankSA$905
2nd=
$905Amplify Qantas Signature BankSA$1,200 bonus less a $295 fee in year oneGo to site

A bonus in points is valued at BankMate's rate for its program (Qantas 0.80¢, Velocity 0.80¢, Amex Membership Rewards 0.50¢), then the card's fee in year one is taken off. Every offer is for new card members and asks a minimum spend.

Changes in September

Since tracking began, 10 Sep

ProductWhenWas → nowChange

NAB Travel CardSign-up bonus · NAB Rewards110,000 → 180,000 · 1 Oct1 Oct110,000 → 180,000+70,000 points
ANZ Frequent Flyer PlatinumSign-up bonus · Qantas Frequent Flyer40,000 → 50,000 · 30 Sep30 Sep40,000 → 50,000+10,000 points
ANZ Frequent Flyer BlackSign-up bonus · Qantas Frequent Flyer80,000 → 100,000 · 30 Sep30 Sep80,000 → 100,000+20,000 points
Commonwealth Bank Smart credit cardSign-up bonus · CommBank Yello ProgramNone → 60,000 · 29 Sep29 SepNone → 60,000New offer
Latitude Finance Latitude GO MastercardSign-up bonus$300 → $400 · 13 Sep13 Sep$300 → $400+$100
NAB Qantas Rewards Premium CardSign-up bonus · Qantas Frequent Flyer100,000 → 40,000 · 1 Oct1 Oct100,000 → 40,000−60,000 points
NAB Qantas Rewards Signature CardSign-up bonus · Qantas Frequent Flyer130,000 → 60,000 · 1 Oct1 Oct130,000 → 60,000−70,000 points
Latitude Finance Latitude 28° Global Platinum MastercardSign-up bonus · Latitude Rewards$260 → None · 13 Sep13 Sep$260 → NoneEnded
St George Amplify Rewards SignatureAnnual fee$295 → $370 · 1 Oct1 Oct$295 → $370+$75
Westpac Altitude Velocity BlackAnnual fee$370 → $295 · 1 Oct1 Oct$370 → $295−$75
Westpac Altitude Rewards PlatinumAnnual fee$175 → $250 · 1 Oct1 Oct$175 → $250+$75
Westpac Altitude Black Rewards World MastercardAnnual fee$295 → $370 · 1 Oct1 Oct$295 → $370+$75
Bank of Melbourne Amplify Rewards PlatinumAnnual fee$175 → $250 · 1 Oct1 Oct$175 → $250+$75
Westpac Altitude Velocity PlatinumAnnual fee$250 → $175 · 1 Oct1 Oct$250 → $175−$75
Westpac Altitude Qantas BlackAnnual fee$370 → $295 · 1 Oct1 Oct$370 → $295−$75
Bank of Melbourne Amplify Rewards SignatureAnnual fee$295 → $370 · 1 Oct1 Oct$295 → $370+$75
BankSA Amplify Rewards SignatureAnnual fee$295 → $370 · 1 Oct1 Oct$295 → $370+$75
St George Amplify Rewards PlatinumAnnual fee$175 → $250 · 1 Oct1 Oct$175 → $250+$75
BankSA Amplify Rewards PlatinumAnnual fee$175 → $250 · 1 Oct1 Oct$175 → $250+$75
Westpac Altitude Qantas PlatinumAnnual fee$250 → $175 · 1 Oct1 Oct$250 → $175−$75
NAB Travel CardAnnual fee$420 → $395 · 1 Oct1 Oct$420 → $395−$25
NAB Coles Rewards MastercardEarn rate · Flybuys2 → 1 per $1 · 1 Oct1 Oct2 → 1 per $1−1
NAB Qantas Rewards Signature CardEarn rate · Qantas Frequent Flyer1 → 0.75 per $1 · 1 Oct1 Oct1 → 0.75 per $1−0.25
NAB Rewards CardEarn rate · NAB Rewards1 → 1.25 per $1 · 1 Oct1 Oct1 → 1.25 per $1+0.25

Not counted as changes: corrections of ours to 7 cards and 26 cards we started tracking after 10 Sep.

Data: Each issuer's Consumer Data Right (open banking) product feed, read nightly, and a weekly read of the card pages for bonuses the feeds don't carry. A reading is recorded when a card's sign-up bonus, annual fee or earn rate differs from the last one stored.
Like for like: Changes compare each card with itself, from 10 Sep to 30 September, on cards tracked on both dates. A points offer is read in points, so a new valuation is never an issuer's move, and our own corrections are never counted; this month 5 bonuses rose and 3 fell.
Scope: Personal credit and charge cards open to Australian residents, as listed on BankMate; one entry per card. Factual comparison, not financial advice. Methodology · Today's full ranking

As of 30 September 2026, the credit card sign-up bonus worth most after its first-year fee, as tracked by BankMate, was 340,000 Membership Rewards points on the American Express Platinum Card (240,000 in the first year) — about $2,380 against a $1,450 fee. 66 of 112 cards carried an offer, with a median bonus worth $460; 11 cards charged no annual fee. During September 2026 BankMate recorded 8 sign-up offer changes, 13 fee changes and 3 earn rate changes.