⭐
Best Rewards Credit Cards
Credit cards ranked by rewards earn rate
⭐
Best Rewards Credit Cards
#1
#1
American Express Essential Rewards Credit Card
American ExpressLive
5x pts
Details+
Key Details
Annual fee$108
Purchase rate23.99%
Interest-free days55 days
Min incomeNot specified
Rewards
Earn rate5x pts
ProgramMembership Rewards
Features
FX fee3.5%
Travel insuranceNo
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#2
#2
David Jones Prestige Credit Card
Latitude FinanceLive
3x pts
Details+
Key Details
Annual fee$345
Purchase rate24.99%
Interest-free days44 days
Min income$30,000
Rewards
Earn rate3x pts
ProgramEarn David Jones credit card points
Features
FX fee3%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#3
#3
Bankwest More World Mastercard
BankwestLive
2.5x pts
Details+
Key Details
Annual fee$270
Purchase rate14.99%
Interest-free days44 days
Min incomeNot specified
Rewards
Earn rate2.5x pts
ProgramMore Rewards
Features
FX feeNone
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#4
#4
American Express Platinum Card
American Express?
2.25x pts
Details+
Key Details
Annual fee$1,450
Purchase rate0.00%
Interest-free daysNone
Min incomeNot specified
Rewards
Earn rate2.25x pts
ProgramMembership Rewards
Features
FX fee3.5%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#5
#5
Bankwest More Platinum Mastercard
BankwestLive
2x pts
Details+
Key Details
Annual fee$160
Purchase rate14.99%
Interest-free days44 days
Min incomeNot specified
Rewards
Earn rate2x pts
ProgramMore Rewards
Features
FX feeNone
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#6
#6
Macquarie Black Card
MacquarieLive
2x pts
Details+
Key Details
Annual fee$249
Purchase rate20.70%
Interest-free days55 days
Min income$70,000
Rewards
Earn rate2x pts
ProgramMacquarie Rewards
Features
FX feeNone
Travel insuranceNo
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#7
#7
Coles Rewards Mastercard
NABLive
2x pts
Details+
Key Details
Annual fee$99
Purchase rate20.74%
Interest-free days44 days
Min incomeNot specified
Rewards
Earn rate2x pts
ProgramFlybuys
Features
FX fee3%
Travel insuranceNo
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#8
#8
Smart Awards credit card
Commonwealth BankLive
2x pts
Details+
Key Details
Annual fee$228
Purchase rate20.99%
Interest-free days44 days
Min incomeNot specified
Rewards
Earn rate2x pts
ProgramSmart Awards
Features
FX feeNone
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#9
#9
ANZ Rewards Black
ANZLive
2x pts
Details+
Key Details
Annual fee$375
Purchase rate20.99%
Interest-free days44 days
Min incomeNot specified
Rewards
Earn rate2x pts
ProgramANZ Rewards
Features
FX fee3.5%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#10
#10
Altitude Black Rewards World Mastercard
WestpacLive
2x pts
Details+
Key Details
Annual fee$295
Purchase rate20.99%
Interest-free days45 days
Min income$75,000
Rewards
Earn rate2x pts
ProgramAltitude Rewards
Features
FX fee3%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#11
#11
Amplify Rewards Signature
Bank of MelbourneLive
2x pts
Details+
Key Details
Annual fee$295
Purchase rate20.99%
Interest-free days55 days
Min incomeNot specified
Rewards
Earn rate2x pts
ProgramAmplify Rewards Points
Features
FX fee3%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#12
#12
Amplify Rewards Signature
St GeorgeLive
2x pts
Details+
Key Details
Annual fee$295
Purchase rate20.99%
Interest-free days55 days
Min incomeNot specified
Rewards
Earn rate2x pts
ProgramAmplify Rewards Points
Features
FX fee3%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#13
#13
Amplify Rewards Signature
BankSALive
2x pts
Details+
Key Details
Annual fee$295
Purchase rate20.99%
Interest-free days55 days
Min incomeNot specified
Rewards
Earn rate2x pts
ProgramAmplify Rewards Points
Features
FX fee3%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#14
#14
Qantas American Express Premium Card
American ExpressLive
2x pts
Details+
Key Details
Annual fee$249
Purchase rate23.99%
Interest-free days44 days
Min incomeNot specified
Rewards
Earn rate2x pts
ProgramQantas Frequent Flyer
Features
FX fee3.5%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#15
#15
David Jones Premiere Credit Card
Latitude FinanceLive
2x pts
Details+
Key Details
Annual fee$149
Purchase rate24.99%
Interest-free days44 days
Min income$20,000
Rewards
Earn rate2x pts
ProgramEarn David Jones credit card points
Features
FX fee3%
Travel insuranceNo
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#16
#16
Qantas American Express Discovery Card
American ExpressLive
1.75x pts
Details+
Key Details
Annual feeFree
Purchase rate23.99%
Interest-free days44 days
Min incomeNot specified
Rewards
Earn rate1.75x pts
ProgramQantas Frequent Flyer
Features
FX fee3.5%
Travel insuranceNo
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#17
#17
Bankwest More Classic Mastercard
BankwestLive
1.5x pts
Details+
Key Details
Annual fee$100
Purchase rate14.99%
Interest-free days44 days
Min incomeNot specified
Rewards
Earn rate1.5x pts
ProgramMore Rewards
Features
FX fee2.95%
Travel insuranceNo
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#18
#18
HSBC Premier World Mastercard
HSBCLive
1.5x pts
Details+
Key Details
Annual fee$199
Purchase rate19.99%
Interest-free days55 days
Min income$75,000
Rewards
Earn rate1.5x pts
ProgramHSBC Rewards Plus
Features
FX fee3%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#19
#19
Platinum Rewards Credit Card
BendigoLive
1.5x pts
Details+
Key Details
Annual fee$89
Purchase rate19.99%
Interest-free days55 days
Min incomeNot specified
Rewards
Earn rate1.5x pts
ProgramBendigo Bank Rewards
Features
FX fee3%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#20
#20
HSBC Platinum Credit Card
HSBCLive
1.5x pts
Details+
Key Details
Annual fee$199
Purchase rate19.99%
Interest-free days55 days
Min income$40,000
Rewards
Earn rate1.5x pts
ProgramHSBC Rewards Plus
Features
FX fee3%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#21
#21
HSBC Platinum Qantas Credit Card
HSBCLive
1.5x pts
Details+
Key Details
Annual fee$399
Purchase rate19.99%
Interest-free days55 days
Min income$40,000
Rewards
Earn rate1.5x pts
ProgramQantas Frequent Flyer
Features
FX fee3%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#22
#22
HSBC Premier World Mastercard Qantas
HSBCLive
1.5x pts
Details+
Key Details
Annual fee$399
Purchase rate19.99%
Interest-free days55 days
Min income$75,000
Rewards
Earn rate1.5x pts
ProgramQantas Frequent Flyer
Features
FX fee3%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#23
#23
ANZ Rewards Platinum
ANZLive
1.5x pts
Details+
Key Details
Annual fee$149
Purchase rate20.99%
Interest-free days44 days
Min incomeNot specified
Rewards
Earn rate1.5x pts
ProgramANZ Rewards
Features
FX fee3.5%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#24
#24
NAB Rewards Signature Card
NABLive
1.5x pts
Details+
Key Details
Annual fee$420
Purchase rate20.99%
Interest-free days44 days
Min incomeNot specified
Rewards
Earn rate1.5x pts
ProgramNAB Rewards
Features
FX feeNone
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#25
#25
Amplify Rewards Platinum
St GeorgeLive
1.25x pts
Details+
Key Details
Annual fee$175
Purchase rate20.99%
Interest-free days55 days
Min incomeNot specified
Rewards
Earn rate1.25x pts
ProgramAmplify Rewards Points
Features
FX fee3%
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
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As of 17 September 2026, the highest rewards earn rate tracked by BankMate is 5 points per dollar on the American Express Essential Rewards Credit Card. How we rank →