Credit card leaderboard79 cards1 November 2026
Rank by
The highest earn rates on everyday spending.
- First2.5
More Rewardspoints per $1
Bankwest More World MastercardBankwest$270 annual fee · More RewardsGo to site - Second2.25
Membership Rewardspoints per $1
American Express Platinum CardAmerican Express$1,450 annual fee · Membership RewardsGo to site - Third2.25Membership Rewardspoints per $1
American Express® Platinum Reserve Credit CardAmerican Express$395 annual fee · Membership RewardsGo to site
Ranked by rewards earn rate on everyday spend (points or cashback per dollar), highest first. Leaves out cards with no rewards program. Compares 25 card issuers, not the whole market.
The other 76 cards
Ranked by rewards earn rate on everyday spend (points or cashback per dollar), highest first.
| # | Card | Annual fee | Fee in year one | Highest earn rate | Links |
|---|---|---|---|---|---|
| 4 |  Macquarie Black CardMacquarie Rewards | $249 | $249 | 2 Macquarie Rewardspoints per $10.50 below first ranked | Go to site |
| 5 |  ANZ Rewards BlackANZ Rewards | $375 | $375 | 2 ANZ Rewardspoints per $10.50 below first ranked | Go to site |
| 6 |  BankSA Amplify Rewards SignatureAmplify Rewards Points | $370 | $274 | 2 Amplify Rewards Pointspoints per $10.50 below first ranked | Go to site |
| 7 |  Westpac Altitude Black Rewards World MastercardAltitude Rewards | $370 | $275 | 2 Altitude Rewardspoints per $10.50 below first ranked | Go to site |
| 8 |  St George Amplify Rewards SignatureAmplify Rewards Points | $370 | $274 | 2 Amplify Rewards Pointspoints per $10.50 below first ranked | Go to site |
| 9 |  Bank of Melbourne Amplify Rewards SignatureAmplify Rewards Points | $370 | $274 | 2 Amplify Rewards Pointspoints per $10.50 below first ranked | Go to site |
| 10 |  MoneyMe Luxury Escapes CardLuxury Escapes | $149 | $149 | 2 Luxury Escapespoints per $10.50 below first ranked | Go to site |
| 11 |  American Express Explorer Credit CardMembership Rewards | $395 | $395 | 2Membership Rewardspoints per $10.50 below first ranked | Go to site |
| 12 |  Bendigo Platinum Rewards Credit CardBendigo Bank Rewards | $89 | $89 | 1.5 Bendigo Bank Rewardspoints per $11.00 below first ranked | Go to site |
| 13 |  NAB Travel CardNAB Rewards | $395 | $395 | 1.5 NAB Rewardspoints per $11.00 below first ranked | Go to site |
| 14 |  MyCard RewardsMyCard Rewards Program | $249 | $249 | 1.5 MyCard Rewards Programpoints per $11.00 below first ranked | Go to site |
| 15 |  MyCard PremierMyCard Rewards program | $300 | $300 | 1.5MyCard Rewards programpoints per $11.00 below first ranked | Go to site |
| 16 |  ANZ Rewards PlatinumANZ Rewards | $149 | $149 | 1.5ANZ Rewardspoints per $11.00 below first ranked | Go to site |
| 17 |  Revolut Credit Card · Ultra planRevPoints | $2,399.76 | $2,399.76 | 1.3 RevPointspoints per $11.20 below first ranked | Go to site |
| 18 |  Qantas Money Titanium Credit CardQantas Frequent Flyer | $1,200 | $1,200 | 1.25 Qantas Frequent Flyerpoints per $11.25 below first ranked | Go to site |
| 19 |  NAB Rewards CardNAB Rewards | $195 | $195 | 1.25NAB Rewardspoints per $11.25 below first ranked | Go to site |
| 20 |  Bank of Melbourne Amplify Rewards PlatinumAmplify Rewards Points | $250 | $174 | 1.25Amplify Rewards Pointspoints per $11.25 below first ranked | Go to site |
| 21 |  St George Amplify Rewards PlatinumAmplify Rewards Points | $250 | $174 | 1.25Amplify Rewards Pointspoints per $11.25 below first ranked | Go to site |
| 22 |  Westpac Altitude Rewards PlatinumAltitude Rewards | $250 | $174 | 1.25Altitude Rewardspoints per $11.25 below first ranked | Go to site |
| 23 |  BankSA Amplify Rewards PlatinumAmplify Rewards Points | $250 | $174 | 1.25Amplify Rewards Pointspoints per $11.25 below first ranked | Go to site |
| 24 |  American Express Qantas American Express Ultimate CardQantas Frequent Flyer | $450 | $450 | 1.25Qantas Frequent Flyerpoints per $11.25 below first ranked | Go to site |
| 25 |  American Express Velocity Platinum CardVelocity Rewards | $440 | $440 | 1.25 Velocity Rewardspoints per $11.25 below first ranked | Go to site |
| 26 |  ING Orange One Rewards PlatinumCash back | $149 | $149 | 1%cashback1.50 below first ranked | Go to site |
| 27 |  Bankwest Qantas World MastercardQantas Frequent Flyer | $320 | $320 | 1Qantas Frequent Flyerpoints per $11.50 below first ranked | Go to site |
| 28 |  | $299 | $299 | 1Qantas Frequent Flyerpoints per $11.50 below first ranked | Go to site |
| 29 |  Macquarie Platinum CardMacquarie Rewards. | $149 | $149 | 1Macquarie Rewards.points per $11.50 below first ranked | Go to site |
| 30 |  Revolut Credit Card · Metal planRevPoints | $695.76 | $695.76 | 1RevPointspoints per $11.50 below first ranked | Go to site |
| 31 |  Qantas Money Platinum Credit CardQantas Frequent Flyer | $399 | $349 | 1Qantas Frequent Flyerpoints per $11.50 below first ranked | Go to site |
| 32 |  BOQ Platinum Visa Credit CardQ Rewards | $149 | $75 | 1 Q Rewardspoints per $11.50 below first ranked | Go to site |
| 33 |  BOQ Blue Visa Credit CardQ Rewards | $89 | $89 | 1Q Rewardspoints per $11.50 below first ranked | Go to site |
| 34 |  Kogan Money Black Credit CardKogan Money Credit Cards Rewards | None | None | 1%cashback1.50 below first ranked | Go to site |
| 35 |  NAB Coles Rewards MastercardFlybuys | $99 | $99 | 1 Flybuyspoints per $11.50 below first ranked | Go to site |
| 36 |  ANZ Frequent Flyer BlackQantas Frequent Flyer | $425 | $425 | 1Qantas Frequent Flyerpoints per $11.50 below first ranked | Go to site |
| 37 |  American Express Qantas American Express Premium CardQantas Frequent Flyer | $249 | $249 | 1Qantas Frequent Flyerpoints per $11.50 below first ranked | Go to site |
| 38 |  American Express Essential Rewards Credit CardMembership Rewards | $216 | $216 | 1Membership Rewardspoints per $11.50 below first ranked | Go to site |
| 39 |  American Express Platinum Edge Credit CardMembership Rewards | $195 | None | 1Membership Rewardspoints per $11.50 below first ranked | Go to site |
| 40 |  American Express Velocity Escape Plus CardVelocity Rewards | $95 | $95 | 1Velocity Rewardspoints per $11.50 below first ranked | Go to site |
| 41 |  Latitude Finance David Jones Prestige Credit CardEarn David Jones credit card points | $345 | None | 1 Earn David Jones credit card pointspoints per $11.50 below first ranked | Go to site |
| 42 |  Latitude Finance David Jones Premiere Credit CardEarn David Jones credit card points | $149 | None | 1Earn David Jones credit card pointspoints per $11.50 below first ranked | Go to site |
| 43 |  MoneyMe Cashback Rewards CardCashback | $149 | None* | 1%cashback1.50 below first ranked | Go to site |
| 44 |  Latitude Finance Latitude 28° Global Platinum MastercardLatitude Rewards | $96 | None | 1%cashback1.50 below first ranked | Go to site |
| 45 |  St George Amplify Qantas SignatureQantas Frequent Flyer | $295 | $295 | 0.8Qantas Frequent Flyerpoints per $11.70 below first ranked | Go to site |
| 46 |  Westpac Altitude Qantas BlackQantas Frequent Flyer | $295 | $295 | 0.8Qantas Frequent Flyerpoints per $11.70 below first ranked | Go to site |
| 47 |  Bank of Melbourne Amplify Qantas SignatureQantas Frequent Flyer | $295 | $295 | 0.8Qantas Frequent Flyerpoints per $11.70 below first ranked | Go to site |
| 48 |  Westpac Altitude Velocity BlackVelocity Rewards | $295 | $295 | 0.8Velocity Rewardspoints per $11.70 below first ranked | Go to site |
| 49 |  BankSA Amplify Qantas SignatureQantas Frequent Flyer | $295 | $295 | 0.8Qantas Frequent Flyerpoints per $11.70 below first ranked | Go to site |
| 50 |  Bank Australia Platinum Visa Credit CardQantas Frequent Flyer | $189 | $189 | 0.75Qantas Frequent Flyerpoints per $11.75 below first ranked | Go to site |
| 51 |  Qantas Money Everyday Credit CardQantas Frequent Flyer | $99 | $99 | 0.75Qantas Frequent Flyerpoints per $11.75 below first ranked | Go to site |
| 52 |  Virgin Money Virgin Australia Velocity High Flyer Credit CardVelocity Rewards | $349 | $349 | 0.75Velocity Rewardspoints per $11.75 below first ranked | Go to site |
| 53 |  ANZ Frequent Flyer PlatinumQantas Frequent Flyer | $295 | $295 | 0.75Qantas Frequent Flyerpoints per $11.75 below first ranked | Go to site |
- 4Macquarie Black Card2Macquarie Rewardspoints per $10.50 below first ranked$249 annual fee · Macquarie Rewards
- 5ANZ Rewards Black2ANZ Rewardspoints per $10.50 below first ranked$375 annual fee · ANZ Rewards
- 6BankSA Amplify Rewards Signature2Amplify Rewards Pointspoints per $10.50 below first ranked$370 annual fee · $274 in year one · Amplify Rewards Points
- 7Westpac Altitude Black Rewards World Mastercard2Altitude Rewardspoints per $10.50 below first ranked$370 annual fee · $275 in year one · Altitude Rewards
- 8St George Amplify Rewards Signature2Amplify Rewards Pointspoints per $10.50 below first ranked$370 annual fee · $274 in year one · Amplify Rewards Points
- 9Bank of Melbourne Amplify Rewards Signature2Amplify Rewards Pointspoints per $10.50 below first ranked$370 annual fee · $274 in year one · Amplify Rewards Points
- 10MoneyMe Luxury Escapes Card2Luxury Escapespoints per $10.50 below first ranked$149 annual fee · Luxury Escapes
- 11American Express Explorer Credit Card2Membership Rewardspoints per $10.50 below first ranked$395 annual fee · Membership Rewards
- 12Bendigo Platinum Rewards Credit Card1.5Bendigo Bank Rewardspoints per $11.00 below first ranked$89 annual fee · Bendigo Bank Rewards
- 13NAB Travel Card1.5NAB Rewardspoints per $11.00 below first ranked$395 annual fee · NAB Rewards
- 14MyCard Rewards1.5MyCard Rewards Programpoints per $11.00 below first ranked$249 annual fee · MyCard Rewards Program
- 15MyCard Premier1.5MyCard Rewards programpoints per $11.00 below first ranked$300 annual fee · MyCard Rewards program
Where a card publishes several earn rates, the everyday rate is used, then the starting tier, then the base rate.
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As of 1 November 2026, the highest rewards earn rate tracked by BankMate is 2.5 points per dollar on the Bankwest More World Mastercard. How we rank