Credit card leaderboard80 cards24 September 2026
The rewards worth the most per dollar you spend.
- First$3.00per $100 spent
Latitude Finance Latitude Low Rate MastercardLatitude Finance$69 annual fee · Latitude RewardsGo to site - Second$3.00per $100 spent
Latitude Finance Latitude Gem VisaLatitude Finance$286.8 annual fee · Latitude RewardsGo to site - Third$1.58
Membership Rewardsper $100 spent
American Express Platinum CardAmerican Express$1,450 annual fee · Membership Rewards · 2.25 points per $1 at 0.70¢ eachGo to site
Ranked by rewards earned on $100 of everyday spend, in dollars: the everyday earn rate times what a point is worth, or the cashback percent. Highest first. Leaves out cards with no rewards program.
The other 77 cards
- 4
American Express® Platinum Reserve Credit CardAmerican Express$395 annual feeMembership Rewards2.25 points per $1 at 0.70¢ each$1.58
Membership Rewardsper $100 spent$1.42 less than firstGo to site - 5
American Express Explorer Credit CardAmerican Express$395 annual feeMembership Rewards2 points per $1 at 0.70¢ each$1.40
Membership Rewardsper $100 spent$1.6 less than firstGo to site - 6
Bankwest More World MastercardBankwest$270 annual feeMore Rewards2.5 points per $1 at 0.50¢ each$1.25
More Rewardsper $100 spent$1.75 less than firstGo to site - 7
Revolut Credit Card · Ultra planRevolut$2,399.76 annual feeRevPoints1.3 points per $1 at 0.80¢ each$1.04
RevPointsper $100 spent$1.96 less than firstGo to site - 8
Bankwest More Platinum MastercardBankwest$160 annual feeMore Rewards2 points per $1 at 0.50¢ each$1.00
More Rewardsper $100 spent$2 less than firstGo to site - 9
Macquarie Black CardMacquarie$249 annual feeMacquarie Rewards2 points per $1 at 0.50¢ each$1.00
Macquarie Rewardsper $100 spent$2 less than firstGo to site - 10
NAB Coles Rewards MastercardNAB$99 annual feeFlybuys2 points per $1 at 0.50¢ each$1.00
Flybuysper $100 spent$2 less than firstGo to site - 11
Westpac Altitude Black Rewards World MastercardWestpac$295 annual fee$200 in year oneAltitude Rewards2 points per $1 at 0.50¢ each$1.00
Altitude Rewardsper $100 spent$2 less than firstGo to site - 12
BOQ Platinum Visa Credit CardBOQ$149 annual fee$75 in year oneQ Rewards2 points per $1 at 0.50¢ each$1.00
Q Rewardsper $100 spent$2 less than firstGo to site - 13
St George Amplify Rewards SignatureSt George$295 annual fee$199 in year oneAmplify Rewards Points2 points per $1 at 0.50¢ each$1.00
Amplify Rewards Pointsper $100 spent$2 less than firstGo to site - 14
BankSA Amplify Rewards SignatureBankSA$295 annual fee$199 in year oneAmplify Rewards Points2 points per $1 at 0.50¢ each$1.00
Amplify Rewards Pointsper $100 spent$2 less than firstGo to site - 15
Bank of Melbourne Amplify Rewards SignatureBank of Melbourne$295 annual fee$199 in year oneAmplify Rewards Points2 points per $1 at 0.50¢ each$1.00
Amplify Rewards Pointsper $100 spent$2 less than firstGo to site - 16
ANZ Rewards BlackANZ$375 annual feeANZ Rewards2 points per $1 at 0.50¢ each$1.00
ANZ Rewardsper $100 spent$2 less than firstGo to site - 17
MoneyMe Luxury Escapes CardMoneyMe$149 annual feeLuxury Escapes2 points per $1 at 0.50¢ each$1.00
Luxury Escapesper $100 spent$2 less than firstGo to site - 18
Qantas Money Titanium Credit CardQantas Money$1,200 annual feeQantas Frequent Flyer1.25 points per $1 at 0.80¢ each$1.00Qantas Frequent Flyerper $100 spent$2 less than firstGo to site
- 19
American Express Qantas American Express Ultimate CardAmerican Express$450 annual feeQantas Frequent Flyer1.25 points per $1 at 0.80¢ each$1.00Qantas Frequent Flyerper $100 spent$2 less than firstGo to site
- 20
American Express Velocity Platinum CardAmerican Express$440 annual feeVelocity Rewards1.25 points per $1 at 0.80¢ each$1.00
Velocity Rewardsper $100 spent$2 less than firstGo to site - 21
ING Orange One Rewards PlatinumING$149 annual feeCash back$1.00per $100 spent$2 less than firstGo to site - 22
Kogan Money Black Credit CardKogan MoneyNo annual feeKogan Money Credit Cards Rewards$1.00per $100 spent$2 less than firstGo to site - 23
MoneyMe Cashback Rewards CardMoneyMe$149 annual feeCashback$1.00per $100 spent$2 less than firstGo to site - 24
Latitude Finance Latitude 28° Global Platinum MastercardLatitude Finance$96 annual feeNo fee in year oneLatitude Rewards$1.00per $100 spent$2 less than firstGo to site - 25
Bankwest Qantas World MastercardBankwest$320 annual feeQantas Frequent Flyer1 points per $1 at 0.80¢ each$0.80Qantas Frequent Flyerper $100 spent$2.2 less than firstGo to site
- 26Unity Bank Platinum Visa Credit CardUnity Bank$299 annual feeQantas Frequent Flyer1 points per $1 at 0.80¢ each$0.80

Qantas Frequent Flyerper $100 spent$2.2 less than firstGo to site
- 27
Virgin Money Virgin Australia Velocity High Flyer Credit CardVirgin Money$329 annual feeVelocity Rewards1 points per $1 at 0.80¢ each$0.80
Velocity Rewardsper $100 spent$2.2 less than firstGo to site - 28
Qantas Money Platinum Credit CardQantas Money$399 annual fee$349 in year oneQantas Frequent Flyer1 points per $1 at 0.80¢ each$0.80Qantas Frequent Flyerper $100 spent$2.2 less than firstGo to site
- 29
Revolut Credit Card · Metal planRevolut$695.76 annual feeRevPoints1 points per $1 at 0.80¢ each$0.80
RevPointsper $100 spent$2.2 less than firstGo to site - 30
NAB Qantas Rewards Signature CardNAB$420 annual feeQantas Frequent Flyer1 points per $1 at 0.80¢ each$0.80Qantas Frequent Flyerper $100 spent$2.2 less than firstGo to site
- 31
ANZ Frequent Flyer BlackANZ$425 annual feeQantas Frequent Flyer1 points per $1 at 0.80¢ each$0.80Qantas Frequent Flyerper $100 spent$2.2 less than firstGo to site
- 32
American Express Qantas American Express Premium CardAmerican Express$249 annual feeQantas Frequent Flyer1 points per $1 at 0.80¢ each$0.80Qantas Frequent Flyerper $100 spent$2.2 less than firstGo to site
- 33
American Express Velocity Escape Plus CardAmerican Express$95 annual feeVelocity Rewards1 points per $1 at 0.80¢ each$0.80
Velocity Rewardsper $100 spent$2.2 less than firstGo to site - 34
Bankwest More Classic MastercardBankwest$100 annual feeMore Rewards1.5 points per $1 at 0.50¢ each$0.75
More Rewardsper $100 spent$2.25 less than firstGo to site - 35
Bendigo Platinum Rewards Credit CardBendigo$89 annual feeBendigo Bank Rewards1.5 points per $1 at 0.50¢ each$0.75
Bendigo Bank Rewardsper $100 spent$2.25 less than firstGo to site - 36
ANZ Rewards PlatinumANZ$149 annual feeANZ Rewards1.5 points per $1 at 0.50¢ each$0.75
ANZ Rewardsper $100 spent$2.25 less than firstGo to site - 37
NAB Rewards Signature CardNAB$840 annual feeNAB Rewards1.5 points per $1 at 0.50¢ each$0.75
NAB Rewardsper $100 spent$2.25 less than firstGo to site - 38
American Express Essential Rewards Credit CardAmerican Express$216 annual feeMembership Rewards1 points per $1 at 0.70¢ each$0.70
Membership Rewardsper $100 spent$2.3 less than firstGo to site - 39
American Express Platinum Edge Credit CardAmerican Express$195 annual feeNo fee in year oneMembership Rewards1 points per $1 at 0.70¢ each$0.70
Membership Rewardsper $100 spent$2.3 less than firstGo to site - 40
BankSA Amplify Qantas Signature BankSA$295 annual feeQantas Frequent Flyer0.8 points per $1 at 0.80¢ each$0.64Qantas Frequent Flyerper $100 spent$2.36 less than firstGo to site
- 41
Westpac Altitude Qantas BlackWestpac$370 annual feeQantas Frequent Flyer0.8 points per $1 at 0.80¢ each$0.64Qantas Frequent Flyerper $100 spent$2.36 less than firstGo to site
- 42
Bank of Melbourne Amplify Qantas Signature Bank of Melbourne$295 annual feeQantas Frequent Flyer0.8 points per $1 at 0.80¢ each$0.64Qantas Frequent Flyerper $100 spent$2.36 less than firstGo to site
- 43
Westpac Altitude Velocity BlackWestpac$370 annual feeVelocity Rewards0.8 points per $1 at 0.80¢ each$0.64
Velocity Rewardsper $100 spent$2.36 less than firstGo to site - 44
St George Amplify Qantas Signature St George$295 annual feeQantas Frequent Flyer0.8 points per $1 at 0.80¢ each$0.64Qantas Frequent Flyerper $100 spent$2.36 less than firstGo to site
- 45
St George Amplify Rewards PlatinumSt George$175 annual fee$99 in year oneAmplify Rewards Points1.25 points per $1 at 0.50¢ each$0.63
Amplify Rewards Pointsper $100 spent$2.37 less than firstGo to site - 46
BankSA Amplify Rewards PlatinumBankSA$175 annual fee$99 in year oneAmplify Rewards Points1.25 points per $1 at 0.50¢ each$0.63
Amplify Rewards Pointsper $100 spent$2.37 less than firstGo to site - 47
Bank of Melbourne Amplify Rewards PlatinumBank of Melbourne$175 annual fee$99 in year oneAmplify Rewards Points1.25 points per $1 at 0.50¢ each$0.63
Amplify Rewards Pointsper $100 spent$2.37 less than firstGo to site - 48
Westpac Altitude Rewards PlatinumWestpac$175 annual fee$99 in year oneAltitude Rewards1.25 points per $1 at 0.50¢ each$0.63
Altitude Rewardsper $100 spent$2.37 less than firstGo to site - 49
Bank Australia Platinum Visa Credit CardBank Australia$189 annual feeQantas Frequent Flyer0.75 points per $1 at 0.80¢ each$0.60Qantas Frequent Flyerper $100 spent$2.4 less than firstGo to site
- 50
Qantas Money Everyday Credit CardQantas Money$99 annual feeQantas Frequent Flyer0.75 points per $1 at 0.80¢ each$0.60Qantas Frequent Flyerper $100 spent$2.4 less than firstGo to site
- 51
ANZ Frequent Flyer PlatinumANZ$295 annual feeQantas Frequent Flyer0.75 points per $1 at 0.80¢ each$0.60Qantas Frequent Flyerper $100 spent$2.4 less than firstGo to site
- 52
American Express Qantas American Express Discovery CardAmerican ExpressNo annual feeQantas Frequent Flyer0.75 points per $1 at 0.80¢ each$0.60Qantas Frequent Flyerper $100 spent$2.4 less than firstGo to site
- 53
NAB Qantas Rewards Premium CardNAB$295 annual feeQantas Frequent Flyer0.67 points per $1 at 0.80¢ each$0.54Qantas Frequent Flyerper $100 spent$2.46 less than firstGo to site
- 54
Virgin Money Virgin Australia Velocity Flyer Credit CardVirgin Money$149 annual feeVelocity Rewards0.66 points per $1 at 0.80¢ each$0.53
Velocity Rewardsper $100 spent$2.47 less than firstGo to site - 55
Virgin Money Anytime Rewards Credit CardVirgin Money$149 annual feeVirgin Money Rewards1 points per $1 at 0.50¢ each$0.50
Virgin Money Rewardsper $100 spent$2.5 less than firstGo to site - 56
Macquarie Platinum CardMacquarie$149 annual feeMacquarie Rewards.1 points per $1 at 0.50¢ each$0.50
Macquarie Rewards.per $100 spent$2.5 less than firstGo to site - 57
BOQ Blue Visa Credit CardBOQ$89 annual feeQ Rewards1 points per $1 at 0.50¢ each$0.50
Q Rewardsper $100 spent$2.5 less than firstGo to site - 58
NAB Rewards Platinum CardNAB$195 annual feeNAB Rewards1 points per $1 at 0.50¢ each$0.50
NAB Rewardsper $100 spent$2.5 less than firstGo to site - 59
Commonwealth Bank Smart Awards credit cardCommonwealth Bank$456 annual feeSmart Awards1 points per $1 at 0.50¢ each$0.50
Smart Awardsper $100 spent$2.5 less than firstGo to site - 60
Commonwealth Bank Ultimate Awards credit cardCommonwealth Bank$840 annual feeUltimate Awards Points Earn Structure1 points per $1 at 0.50¢ each$0.50
Ultimate Awards Points Earn Structureper $100 spent$2.5 less than firstGo to site - 61
Commonwealth Bank Awards credit cardCommonwealth Bank$192 annual feeAwards Points Earn Structure1 points per $1 at 0.50¢ each$0.50
Awards Points Earn Structureper $100 spent$2.5 less than firstGo to site - 62
MyCard PremierMyCard$300 annual feeMyCard Rewards program1 points per $1 at 0.50¢ each$0.50
MyCard Rewards programper $100 spent$2.5 less than firstGo to site - 63
MyCard RewardsMyCard$199 annual feeMyCard Rewards Program1 points per $1 at 0.50¢ each$0.50
MyCard Rewards Programper $100 spent$2.5 less than firstGo to site - 64
Latitude Finance David Jones Premiere Credit CardLatitude Finance$149 annual feeNo fee in year oneEarn David Jones credit card points1 points per $1 at 0.50¢ each$0.50
Earn David Jones credit card pointsper $100 spent$2.5 less than firstGo to site - 65
Latitude Finance David Jones Prestige Credit CardLatitude Finance$345 annual feeNo fee in year oneEarn David Jones credit card points1 points per $1 at 0.50¢ each$0.50
Earn David Jones credit card pointsper $100 spent$2.5 less than firstGo to site - 66
Great Southern Bank Platinum Credit CardGreat Southern Bank$288 annual feeCashback$0.50per $100 spent$2.5 less than firstGo to site - 67
BCU Rewards Credit CardBCU$89 annual feeCashback$0.49per $100 spent$2.51 less than firstGo to site - 68
Bankwest Qantas Platinum MastercardBankwest$199 annual feeQantas Frequent Flyer0.6 points per $1 at 0.80¢ each$0.48Qantas Frequent Flyerper $100 spent$2.52 less than firstGo to site
- 69
Bendigo Qantas Platinum Credit CardBendigo$149 annual feeQantas Frequent Flyer0.6 points per $1 at 0.80¢ each$0.48Qantas Frequent Flyerper $100 spent$2.52 less than firstGo to site
- 70
Bank of Melbourne Amplify Qantas Platinum Bank of Melbourne$175 annual feeQantas Frequent Flyer0.5 points per $1 at 0.80¢ each$0.40Qantas Frequent Flyerper $100 spent$2.6 less than firstGo to site
- 71
St George Amplify Qantas Platinum St George$175 annual feeQantas Frequent Flyer0.5 points per $1 at 0.80¢ each$0.40Qantas Frequent Flyerper $100 spent$2.6 less than firstGo to site
- 72
Westpac Altitude Velocity PlatinumWestpac$250 annual feeVelocity Rewards0.5 points per $1 at 0.80¢ each$0.40
Velocity Rewardsper $100 spent$2.6 less than firstGo to site - 73
Westpac Altitude Qantas PlatinumWestpac$250 annual feeQantas Frequent Flyer0.5 points per $1 at 0.80¢ each$0.40Qantas Frequent Flyerper $100 spent$2.6 less than firstGo to site
- 74
BankSA Amplify Qantas Platinum BankSA$175 annual feeQantas Frequent Flyer0.5 points per $1 at 0.80¢ each$0.40Qantas Frequent Flyerper $100 spent$2.6 less than firstGo to site
- 75
MyCard Premier QantasMyCard$350 annual feeQantas Frequent Flyer0.5 points per $1 at 0.80¢ each$0.40Qantas Frequent Flyerper $100 spent$2.6 less than firstGo to site
- 76
Revolut Credit Card · Premium planRevolut$287.76 annual feeRevPoints0.4 points per $1 at 0.80¢ each$0.32
RevPointsper $100 spent$2.68 less than firstGo to site - 77
NAB Coles Low Rate MastercardNAB$58 annual feeFlybuys0.5 points per $1 at 0.50¢ each$0.25
Flybuysper $100 spent$2.75 less than firstGo to site - 78
NAB Coles No Annual Fee MastercardNABNo annual feeFlybuys0.5 points per $1 at 0.50¢ each$0.25
Flybuysper $100 spent$2.75 less than firstGo to site - 79
Revolut Credit Card · Plus planRevolut$143.76 annual feeRevPoints0.0769 points per $1 at 0.80¢ each$0.06
RevPointsper $100 spent$2.94 less than firstGo to site - 80
Revolut Credit Card · Standard planRevolutNo annual feeRevPoints0.0625 points per $1 at 0.80¢ each$0.05
RevPointsper $100 spent$2.95 less than firstGo to site
Points are valued at Qantas Frequent Flyer 0.80¢, Velocity Frequent Flyer 0.80¢, Revolut RevPoints 0.80¢, Amex Membership Rewards 0.70¢, Flybuys 0.50¢, Bank rewards programs 0.50¢ a point. The annual fee is not taken off; it is shown on each card.
These rankings rate every card on one figure. Answer a few questions to see the ones that fit you →
As of 24 September 2026, the highest rewards value on everyday spend tracked by BankMate is $3.00 per $100 spent (3% cashback) on the Latitude Finance Latitude Low Rate Mastercard. How we rank →