RWRDS

Credit Cards with Digital Wallet Integration

Image of Qantas Premier Titanium credit card
Qantas Premier Titanium
Qantas points
$1,200 annual fee
Offer
150,000 Qantas points
Supports Apple Pay and Google Pay for contactless payments.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. High $1200 fee — make sure you'll use the perks.

Est. profit $1,200
Read my analysis
Image of The American Express Platinum Edge Credit Card credit card
The American Express Platinum Edge Credit Card
American Express points
$195 annual fee
Offer
0 American Express points
Compatible with Apple Pay, Samsung Pay and Google Pay
Spend $0 in 0 days
$0 first year annual fee, $195 thereafter
Craig
Craig's Take

Average ongoing earn rate. $200 cashback covers the $195 fee.

Read my analysis
Image of American Express Explorer Credit Card Targeted Offer credit card
American Express Explorer Credit Card Targeted Offer
American Express points
$395 annual fee
OfferTargeted
100,000 American Express points
Supports Apple Pay, Samsung Pay and Google Pay
Spend $4,000 in 90 days (~$1,333/mo)
Offer Expires 6 months ago (2025-12-02)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Excellent ongoing earn rate. $400 cashback covers the $395 fee.

Read my analysis
Image of ANZ Rewards Black credit card
ANZ Rewards Black
ANZ points
$375 annual fee
Offer
130,000 ANZ points
Compatible with mobile payments on eligible devices, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

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

Read my analysis
Bankwest Qantas Platinum Mastercard
Qantas points
$199 annual fee
Offer
60,000 Qantas points
Card can be registered to a Mobile Wallet to make contactless payments; Bankwest charges no additional fees for registering or using a card with a third-party Mobile Wallet.
Spend $7,500 in 90 days (~$2,500/mo)
Craig
Craig's Take

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

Est. profit $761
Read my analysis
Bankwest Qantas World Mastercard
Qantas points
$320 annual fee
Offer
80,000 Qantas points
Add your card or virtual card to a digital wallet to spend instantly
Spend $35,000 in 150 days (~$7,000/mo)
Craig
Craig's Take

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

Est. profit $960
Read my analysis
Image of ANZ Frequent Flyer Platinum credit card
ANZ Frequent Flyer Platinum
Qantas points
$295 annual fee
Offer
75,000 Qantas points
Compatible with mobile digital wallets including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay on eligible devices
Spend $2,500 in 90 days (~$833/mo)
Craig
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
Read my analysis
Image of ANZ Frequent Flyer Black credit card
ANZ Frequent Flyer Black
Qantas points
$425 annual fee
Offer
90,000 Qantas points
Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay on eligible devices.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

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

Est. profit $1,215
Read my analysis
Image of Westpac Altitude Rewards Black credit card
Westpac Altitude Rewards Black
Westpac points
$295 annual fee
Offer
100,000 Westpac points
Supports Apple Pay, Samsung Pay and Google Pay
Spend $12,000 in 365 days (~$986/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

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

Read my analysis
ING Orange One Rewards Platinum
Cashback points
$149 annual fee
Offer
0 Cashback points
Supports Apple Pay and Google Pay
Spend $0 in 0 days
Craig
Craig's Take
Read my analysis
Image of Bank of Melbourne Amplify Rewards Platinum credit card
Bank of Melbourne Amplify Rewards Platinum
Bank of Melbourne points
$175 annual fee
Offer
75,000 Bank of Melbourne points
Supports Apple Pay, Google Pay and Samsung Pay for mobile-wallet payments
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

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

Read my analysis
Image of CommBank Smart Awards Credit Card (with $2,000 per month spend) credit card
CommBank Smart Awards Credit Card (with $2,000 per month spend)
Commbank points
$0 annual fee
Offer
40,000 Commbank points
Tap & Pay using a supported digital wallet (e.g. Apple Pay, Google Pay or CommBank Tap & Pay)
Spend $4,500 in 90 days (~$1,500/mo)
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
Image of St.George Amplify Platinum - Qantas credit card
St.George Amplify Platinum - Qantas
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Supports Apple Pay, Google Pay and Samsung Pay
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

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

Est. profit $870
Read my analysis
Image of St.George Amplify Qantas Signature credit card
St.George Amplify Qantas Signature
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Supports Apple Pay, Google Pay and Samsung Pay
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

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

Est. profit $1,070
Read my analysis
St.George Amplify Rewards Platinum
St.George Amplify points
$175 annual fee
Offer
75,000 St.George Amplify points
Supports Apple Pay, Google Pay and Samsung Pay
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

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

Read my analysis
Image of The American Express Platinum Card Targeted Offer credit card
The American Express Platinum Card Targeted Offer
American Express points
$1,450 annual fee
OfferTargeted
225,000 American Express points
Eligible for use with Apple Pay, Samsung Pay and Google Pay; if the Card is lost or stolen you can continue to pay with your smartphone while a replacement Card is delivered.
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 3 months (2026-08-25)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback offsets the $1450 fee.

Read my analysis
Image of The American Express Velocity Platinum Card credit card
The American Express Velocity Platinum Card
Velocity points
$440 annual fee
Offer
50,000 Velocity points
Compatible with Apple Pay, Samsung Pay and Google Pay
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires a month ago (2026-04-30)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.

Est. profit $795
Read my analysis
Image of The Qantas American Express Ultimate Card Referral Offer credit card
The Qantas American Express Ultimate Card Referral Offer
Qantas points
$450 annual fee
Referral offerHow referrals work
Offer
50,000 Qantas points
Eligible for use with Apple Pay, Samsung Pay and Google Pay
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 2 months (2026-07-28)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Est. profit $800
Read my analysis
Image of Westpac Altitude Qantas Platinum credit card
Westpac Altitude Qantas Platinum
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Supports Apple Pay, Samsung Pay and Google Pay
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

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

Est. profit $870
Read my analysis
Westpac Altitude Rewards Platinum (existing customers)
Westpac points
$175 annual fee
Offer
75,000 Westpac points
Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.
Spend $3,000 in 90 days (~$1,000/mo)
$49 first year annual fee, $175 thereafter
Craig
Craig's Take

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

Read my analysis
Image of Westpac Altitude Qantas Black credit card
Westpac Altitude Qantas Black
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Supports Apple Pay, Samsung Pay and Google Pay
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

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

Est. profit $1,070
Read my analysis
Image of The Qantas American Express Ultimate Card credit card
The Qantas American Express Ultimate Card
Qantas points
$450 annual fee
Offer
50,000 Qantas points
Eligible for use with Apple Pay, Samsung Pay and Google Pay
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires in 2 months (2026-07-28)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $450 cashback covers the $450 fee.

Est. profit $800
Read my analysis
Image of ANZ Rewards Platinum credit card
ANZ Rewards Platinum
ANZ points
$149 annual fee
Offer
85,000 ANZ points
Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay on eligible devices
Spend $3,500 in 90 days (~$1,167/mo)
Craig
Craig's Take

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

Read my analysis
Image of Westpac Altitude Velocity Black credit card
Westpac Altitude Velocity Black
Velocity points
$295 annual fee
Offer
90,000 Velocity points
Supports Apple Pay, Samsung Pay and Google Pay
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

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

Est. profit $1,160
Read my analysis
Image of Westpac Altitude Velocity Platinum credit card
Westpac Altitude Velocity Platinum
Velocity points
$175 annual fee
Offer
70,000 Velocity points
Supports Apple Pay, Samsung Pay and Google Pay
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

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

Est. profit $940
Read my analysis
Craig

Something out of date? Let me know on Instagram, Facebook, or email and I'll fix it ASAP.

— Craig