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Credit card leaderboard70 cards1 November 2026
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The biggest credit card sign-up bonuses.

  1. First300,000Membership Rewardsbonus pointsAmerican Express Platinum CardAmerican Express$1,450 annual fee · Membership Rewards · 200,000 in year oneGo to site
  2. Second180,000NAB Rewardsbonus pointsNAB Travel CardNAB$395 annual fee · NAB Rewards · 120,000 in year oneGo to site
  3. Third150,000Qantas Frequent Flyerbonus pointsQantas Money Titanium Credit CardQantas Money$1,200 annual fee · Qantas Frequent FlyerGo to site

Ranked by sign-up bonus points, largest first; cards offering a dollar bonus instead are ranked by that value after the points offers. Leaves out cards with no current sign-up offer. Compares 18 card issuers, not the whole market.

The other 67 cards

Ranked by sign-up bonus points, largest first; cards offering a dollar bonus instead are ranked by that value after the points offers.

4Places moved since 2 October20,000Bonus changed in the last 30 days20,000Earlier change
  1. 4Westpac Altitude Qantas Black150,000Qantas Frequent Flyerbonus points150,000 fewer than first ranked$295 annual fee · Qantas Frequent Flyer · 90,000 in year one
  2. 5Westpac Altitude Velocity Black150,000Velocity Rewardsbonus points150,000 fewer than first ranked$295 annual fee · Velocity Rewards · 90,000 in year one
  3. 6Westpac Altitude Black Rewards World Mastercard150,000Altitude Rewardsbonus points150,000 fewer than first ranked$370 annual fee · $275 in year one · Altitude Rewards · 90,000 in year one
  4. 7MyCard Premier150,000MyCard Rewards programbonus points150,000 fewer than first ranked$300 annual fee · MyCard Rewards program · 120,000 in year one
  5. 8ANZ Rewards Platinum125,000ANZ Rewardsbonus points175,000 fewer than first ranked$149 annual fee · ANZ Rewards · 85,000 in year one
  6. 9American Express Qantas American Express Ultimate Card120,000Qantas Frequent Flyerbonus points180,000 fewer than first ranked$450 annual fee · Qantas Frequent Flyer · 70,000 in year one
  7. 10Virgin Money Virgin Australia Velocity High Flyer Credit Card100,000Velocity Rewardsbonus points200,000 fewer than first ranked$349 annual fee · Velocity Rewards · 80,000 in year one
  8. 11ANZ Frequent Flyer Black100,000Qantas Frequent Flyerbonus points200,000 fewer than first ranked$425 annual fee · Qantas Frequent Flyer · 50,000 in year one
  9. 12MyCard Premier · Velocity100,000Velocity Rewardsbonus points200,000 fewer than first ranked$300 annual fee · Velocity Rewards · 60,000 in year one
  10. 13Commonwealth Bank Ultimate credit card100,000CommBank Yello Programbonus points200,000 fewer than first ranked$840 annual fee · CommBank Yello Program · 50,000 in year one
  11. 14MyCard Rewards100,000MyCard Rewards Programbonus points200,000 fewer than first ranked$249 annual fee · MyCard Rewards Program
  12. 15NAB Rewards Card100,000NAB Rewardsbonus points200,000 fewer than first ranked$195 annual fee · NAB Rewards · 80,000 in year one

Bonus points usually require a minimum spend in the first months; the spend requirement is shown on each card.

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As of 1 November 2026, the largest sign-up bonus tracked by BankMate is 300,000 points on the American Express Platinum Card. How we rank