Credit Cards with Buy Now Pay Later

Westpac Low Rate Card (Existing Customers)

Westpac points

$59 annual fee

Existing customers onlyCan I become an existing customer?

Offer

0 Westpac points

Split purchases over $100 into 4 payments over 6 weeks with the PartPay feature on the credit card.

Spend $7,000 in 210 days (~$1,000/mo)

$0 first year annual fee, $59 thereafter

Craig's Take

Easy $33/day spend to hit the bonus. $350 cashback covers the $59 fee.

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ANZ Rewards Black

ANZ points

$375 annual fee

Offer

130,000 ANZ points

ANZ Instalment Plans allow repayment of eligible credit card purchases over 3, 6, or 12 months. Approval, eligibility, terms, and fees apply.

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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ANZ Frequent Flyer Platinum

Qantas points

$295 annual fee

Offer

75,000 Qantas points

ANZ Instalment Plans allow repayment of eligible credit card purchases over 3, 6, or 12 months. Approval, eligibility, terms, and fees apply.

Spend $2,500 in 90 days (~$833/mo)

Craig's Take

Easy $28/day spend to hit the bonus. Good ongoing earn rate. $100 cashback offsets the $295 fee.

Est. profit $1,005

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ANZ Frequent Flyer Black

Qantas points

$425 annual fee

Offer

90,000 Qantas points

ANZ Instalment Plans allow repayment of eligible credit card purchases over 3, 6, or 12 months. Approval, eligibility, terms, and fees apply.

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

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $200 cashback offsets the $425 fee.

Est. profit $1,215

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Westpac Altitude Qantas Platinum

Qantas points

$175 annual fee

Offer

70,000 Qantas points

PartPay feature allows splitting purchases into 4 payments over 6 weeks.

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

Craig's Take

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

Est. profit $870

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Westpac Altitude Rewards Platinum (existing customers)

Westpac points

$175 annual fee

Offer

75,000 Westpac points

PartPay feature allows splitting purchases into 4 payments over 6 weeks on the credit card account.

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. Average ongoing earn rate.

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Westpac Altitude Rewards Black

Westpac points

$295 annual fee

Offer

100,000 Westpac points

PartPay feature allows splitting purchases into 4 payments over 6 weeks.

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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