Top credit cards in Australia, category by category.
Each category ranks the cards on one published figure, and no card leads every one. Here is the top three in each, with its full list a tap away.
Photo: freestocks.org
- Highest earn rate
Ranked by rewards earn rate on everyday spend
2.5
More Rewardspoints per $1 - Travel perks
Ranked by a travel score out of 6
6/6travel score - Sign-up bonus
Ranked by sign-up bonus points
300,000
Membership Rewardsbonus points- 2
NAB Travel Card180,000 - 3
Qantas Money Titanium Credit Card150,000
- 2
- Balance transfers
Ranked by balance transfer promotional period in months
26months at 0.00% - Lowest interest rate
Ranked by purchase interest rate
9.90%purchase rate - No annual fee
Among cards with no annual fee and no monthly fee
1%cashback - Highest earn in dollars
Ranked by rewards earned on $100 of everyday spend
$1.13Membership Rewardsper $100 spent - Qantas Points bonus
Ranked by Qantas Points sign-up bonus
150,000
Qantas Frequent Flyerbonus points - Velocity bonus
Ranked by Velocity Points sign-up bonus
150,000
Velocity Rewardsbonus points
As of 1 November 2026, the first in each category tracked by BankMate: Highest earn rate, Bankwest More World Mastercard; Travel perks, Bankwest More World Mastercard; Sign-up bonus, American Express Platinum Card; Balance transfers, Latitude Finance Latitude GO Mastercard; Lowest interest rate, Westpac Lite Card; No annual fee, Kogan Money Black Credit Card; Highest earn in dollars, American Express Platinum Card; Qantas Points bonus, Qantas Money Titanium Credit Card; Velocity bonus, Westpac Altitude Velocity Black. How we rank
Rank them on your answers
Ranked here on one figure. The questions price each card on what you spend, what you carry and the rewards you collect, fees counted.
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