Credit Cards with Buy Now Pay Later

ANZ points

$375 annual fee

Offer

130,000 ANZ points

Buy Now Pay Later Plan requires no repayment of an agreed amount and charges no interest on that amount for a specified period

Spend $5,000 in 90 days (~$1,667/mo)

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $100 cashback offsets the $375 fee.

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Westpac Altitude Rewards Black

Westpac points

$295 annual fee

Offer

100,000 Westpac points

PartPay feature splits eligible purchases into 4 payments over 6 weeks; turn on to start using

Spend $12,000 in 365 days (~$986/mo)

$200 first year annual fee, $295 thereafter

Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

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Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)

Qantas points

$295 annual fee

Existing customers onlyCan I become an existing customer?

Offer

90,000 Qantas points

PartPay Card lets eligible purchases be paid in instalments; subject to PartPay Card terms and conditions

Spend $6,000 in 90 days (~$2,000/mo)

$200 first year annual fee, $295 thereafter

Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,165

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Westpac Altitude Qantas Platinum

Qantas points

$175 annual fee

Offer

70,000 Qantas points

PartPay feature splits eligible purchases into 4 payments over 6 weeks; turn on to start using

Spend $4,000 in 90 days (~$1,333/mo)

Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $870

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Westpac Altitude Qantas Black

Qantas points

$295 annual fee

Offer

90,000 Qantas points

PartPay Card lets eligible purchases be paid in instalments; subject to PartPay Card terms and conditions

Spend $6,000 in 90 days (~$2,000/mo)

Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,070

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ANZ Rewards Platinum

ANZ points

$149 annual fee

Offer

85,000 ANZ points

Buy Now Pay Later Plan requires no repayment of an agreed amount and charges no interest on that amount for a specified period

Spend $3,500 in 90 days (~$1,167/mo)

Craig's Take

Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.

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Westpac Altitude Velocity Black

Velocity points

$295 annual fee

Offer

90,000 Velocity points

PartPay facility lets eligible purchases be paid over instalments

Spend $6,000 in 90 days (~$2,000/mo)

Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,160

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Westpac Altitude Velocity Black (Existing customers)

Velocity points

$295 annual fee

Existing customers onlyCan I become an existing customer?

Offer

90,000 Velocity points

PartPay facility lets eligible purchases be paid over instalments

Spend $6,000 in 90 days (~$2,000/mo)

$200 first year annual fee, $295 thereafter

Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,255

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Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)

Velocity points

$175 annual fee

Offer

70,000 Velocity points

PartPay feature splits eligible purchases into 4 payments over 6 weeks; turn on to start using

Spend $4,000 in 90 days (~$1,333/mo)

$99 first year annual fee, $175 thereafter

Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $1,016

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Westpac Altitude Velocity Platinum

Velocity points

$175 annual fee

Offer

70,000 Velocity points

PartPay feature splits eligible purchases into 4 payments over 6 weeks; turn on to start using

Spend $4,000 in 90 days (~$1,333/mo)

Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $940

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Westpac Low Rate Card (Existing Customers)

Westpac points

$84 annual fee

Existing customers onlyCan I become an existing customer?

Offer

0 Westpac points

PartPay: split purchases over $100 into 4 payments over 6 weeks

Spend $6,000 in 180 days (~$1,000/mo)

Craig's Take

Easy $33/day spend to hit the bonus.

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ANZ Frequent Flyer Platinum

Qantas points

$295 annual fee

Offer

20,000 Qantas points

Buy Now Pay Later Plan allows an agreed amount with no repayment required and no interest charged for a specified period

Spend $3,500 in 120 days (~$875/mo)

Craig's Take

Easy $29/day spend to hit the bonus. Good ongoing earn rate.

Est. profit $25

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ANZ Frequent Flyer Black

Qantas points

$425 annual fee

Offer

40,000 Qantas points

Buy Now Pay Later Plan facility: no repayment of the agreed amount and no interest charged on that amount for a specified period.

Spend $6,000 in 90 days (~$2,000/mo)

Craig's Take

Moderate spend — $67/day for 90 days. Excellent ongoing earn rate. High $425 fee — make sure you'll use the perks.

Est. profit $215

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Westpac Altitude Rewards Platinum (existing customers)

Westpac points

$175 annual fee

Offer

75,000 Westpac points

PartPay feature: split purchases over $100 into 4 payments over 6 weeks

Spend $3,000 in 90 days (~$1,000/mo)

$49 first year annual fee, $175 thereafter

Craig's Take

Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.

Read my analysis