Credit Cards with Digital Card Issuance

NAB Rewards Platinum Card

NAB points

$195 annual fee

Offer

80,000 NAB points

Digital card available for use immediately after approval, before the physical card arrives within five working days

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

Craig's Take

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

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ANZ Rewards Black

ANZ points

$375 annual fee

Offer

130,000 ANZ points

Digital cards available for use in a digital wallet and issued faster than a posted replacement card

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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Bankwest Qantas Platinum Mastercard

Qantas points

$199 annual fee

Offer

60,000 Qantas points

Virtual Cards can be created in the Bankwest App (single-use or multi-use) to start spending instantly without a physical card and added to a digital wallet.

Spend $7,500 in 90 days (~$2,500/mo)

Craig's Take

Moderate spend — $83/day for 90 days. Average ongoing earn rate.

Est. profit $761

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Bankwest Qantas World Mastercard

Qantas points

$320 annual fee

Offer

80,000 Qantas points

Start spending instantly with no physical card; create single-use or multi-use virtual cards in the Bankwest App

Spend $35,000 in 150 days (~$7,000/mo)

Craig's Take

Tough spend — $233/day for 150 days. Excellent ongoing earn rate.

Est. profit $960

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ANZ Frequent Flyer Platinum

Qantas points

$295 annual fee

Offer

75,000 Qantas points

Digital cards can be added to a digital wallet and are issued faster than a replacement card by post

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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NAB Qantas Rewards Premium Card

Qantas points

$295 annual fee

Offer

60,000 Qantas points

Digital card available for immediate use once approved, before the physical card arrives

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

Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate. $150 cashback offsets the $295 fee.

Est. profit $815

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ANZ Frequent Flyer Black

Qantas points

$425 annual fee

Offer

90,000 Qantas points

Digital cards available for use in a digital wallet; replacement digital cards are issued faster than a posted physical card.

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 Rewards Black

Westpac points

$295 annual fee

Offer

100,000 Westpac points

Instant Digital Card available from the moment the account is opened, before the physical card arrives

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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CommBank Smart Awards Credit Card (with $2,000 per month spend)

Commbank points

$0 annual fee

Offer

40,000 Commbank points

Instant digital card access available immediately after account establishment in the CommBank app, allowing spending before physical card arrival.

Spend $4,500 in 90 days (~$1,500/mo)

Craig's Take

Easy $50/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

Instant Digital Card available to use from the moment the account is opened, before the physical card arrives

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

Instant Digital Card available to use from the moment the account is opened, before the physical card arrives

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 Rewards Platinum (existing customers)

Westpac points

$175 annual fee

Offer

75,000 Westpac points

Digital card with Dynamic CVC; the 3-digit security number changes every 24 hours for added fraud protection

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.

Read my analysis

Westpac Altitude Qantas Black

Qantas points

$295 annual fee

Offer

90,000 Qantas points

Instant Digital Card available to use from the moment the account is opened, before the physical card arrives

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

Read my analysis

ANZ Rewards Platinum

ANZ points

$149 annual fee

Offer

85,000 ANZ points

Digital cards available for use in a digital wallet; replacement digital cards faster than postal delivery

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.

Read my analysis

Westpac Altitude Velocity Black

Velocity points

$295 annual fee

Offer

90,000 Velocity points

Instant Digital Card usable from the moment the account is opened, no need to wait for a physical card

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

Instant Digital Card usable from the moment the account is opened, no need to wait for a physical card

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

Instant Digital Card available from the moment the account is opened, with no need to wait for a physical card

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

Instant Digital Card available from the moment the account is opened, with no need to wait for a physical card

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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NAB Qantas Rewards Signature Card

Qantas points

$420 annual fee

Offer

100,000 Qantas points

Digital card available for use immediately while the physical card arrives within five working days

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

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.

Est. profit $1,430

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NAB Qantas Rewards Signature Card

Qantas points

$420 annual fee

Existing customers onlyCan I become an existing customer?

Offer

100,000 Qantas points

Digital card available for use immediately while the physical card arrives within five working days

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

$320 first year annual fee, $420 thereafter

Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.

Est. profit $1,530

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Westpac Low Rate Card (Existing Customers)

Westpac points

$59 annual fee

Existing customers onlyCan I become an existing customer?

Offer

0 Westpac points

Activate and instantly use a Digital Card in the Westpac App from the moment the account is opened; Dynamic CVC 3-digit number changes every 24 hours for fraud protection

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

$0 first year annual fee, $59 thereafter

Craig's Take

Easy $33/day spend to hit the bonus. $450 cashback covers the $59 fee.

Read my analysis